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Re: What to tell friends who think "it's all a scam"

...in the long term there will always be a positive return to equity. If there isn't we'd all just sit still and starve.-Boglegrappler

Particularly lovely phrasing in cutting to the essence of markets. I'll have occasion to use this, thank you.
by SteveB3005
Wed Aug 06, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5825

Re: How to admit/should I admit alcohol problem to employer

It seems the focus was on admitting how your drinking has wronged other people, when I don't think that applies to my situation. When you've been sober a few months and have taken a realistic inventory of your actions and relationships it would totally surprise me if you still agree with that state...
by SteveB3005
Thu Jul 03, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13821

Re: True cost of a [dental] implant

Lower left, first molar, I'm having this done presently. Right around four thousand, yep. Includes extraction and bone graft, the rest pretty much like you said. I trust my dentist, he seems to have good rates and everyone I've sent to him has stayed, and he made the referral. I didn't shop around, ...
by SteveB3005
Wed May 14, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 11
Views: 1597

Re: bathroom exhaust fan placement

#2 if you have a choice. Sometimes, and especially if you are venting through the wall and not vertical through the roof, exhaust vent line routing will be constrained by ceiling or floor joists. Also, spend the extra and get a quiet model of 1 sone or less and go with 100-110 cfm instead of an 80cf...
by SteveB3005
Thu May 08, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: bathroom exhaust fan placement
Replies: 18
Views: 1180

Re: Do you have a favorite chocolate bar?

About 3 bucks for a 3.25oz bar.

Image
by SteveB3005
Wed Mar 05, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 5487

Re: Best Movies of 2013

Valuethinker on 'American Hustle' wrote: ...but I thought some of the acting (especially Christian Bale, Amy Adams, Jeremy Renner) was fantastic. Given the role she had to play, I thought Amy Adams did a fantastic job. I loved this movie, and yes, wonderful characters with rich interplay. I'd read t...
by SteveB3005
Thu Feb 06, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 6443

Re: High Earners - What's Your Profession?

Presently, real estate and rentals.
by SteveB3005
Fri Jan 17, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28762

Re: Car Seat Covers

We used wetokole (http://www.wetokole.com) seat covers in our last truck and in our Honda element since we have a very large dog. When we sold the Sport Trac the leather seats looked like new - best seat covers I have ever had. They aren't the cheapest but like most things you get what you pay for!...
by SteveB3005
Fri Jan 10, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Car Seat Covers
Replies: 11
Views: 737

Re: Bryn Mawr [College]

There you go, mileage may vary.
by SteveB3005
Thu Dec 19, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Bryn Mawr [College]
Replies: 68
Views: 4718

Re: Eye Blood Vessel Broke

Locked? She's not asked for medical advice, just if it's happened to others and presumably how they've dealt with it. Certainly actionable and definitely not political.
by SteveB3005
Tue Dec 17, 2013 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Eye Blood Vessel Broke
Replies: 12
Views: 1185

Re: Direct TV?

Kuota Rider wrote: Direct TV has the worst customer service on the planet

My friend, Direct TV is a five star hotel when comparing service to Century Link.
by SteveB3005
Thu Dec 12, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: Direct TV?
Replies: 42
Views: 4539

Re: Recommend a good pair of slippers!

Something nice and I like deerskin, for practicality, it's crocs and socks.
by SteveB3005
Sat Nov 16, 2013 11:47 am
 
Forum: Personal Consumer Issues
Topic: Recommend a good pair of slippers!
Replies: 47
Views: 5459

Re: My relatives insulted my family for 40 years and think t

Victoria asks: What are your old favorite threads?

I hold this one close, My daughter got a nose pierce! I am not happy. Oct 08, 2008
by SteveB3005
Thu Nov 14, 2013 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10512

Re: Have you ever been to Charleston, SC?

Yes, rode out Hurricane David aboard a dry docked ship in 1979 at the Charleston Naval Shipyard.
by SteveB3005
Wed Oct 02, 2013 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Have you ever been to Charleston, SC?
Replies: 16
Views: 1022

Re: An investment in CO (climbing)

I think I got a little dizzy! Very nice.
by SteveB3005
Wed Sep 25, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: An investment in CO (climbing)
Replies: 18
Views: 1641

Re: any good funds in this list

SSgA S&P 500 Index 65%

You knew what she meant though.
by SteveB3005
Sun Sep 22, 2013 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: any good funds in this list
Replies: 10
Views: 962

Re: Long-Term Investment-Grade SEC yield > 5%

" ....it is basically david swensen's argument in Unconventional Success." And Larry Swedroe's main argument against holding high yield bond funds. From memory, he'd stated that only short term corporate bond investors were adequately rewarded, and eventually drifting even more from that ...
by SteveB3005
Sun Sep 22, 2013 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Long-Term Investment-Grade SEC yield > 5%
Replies: 34
Views: 3650

Re: Who do you guys discuss investment strategies with?

I tend to lose them right around uncompensated risk, I'm down to you guys and the dog for discussion purposes.
by SteveB3005
Fri Sep 20, 2013 7:42 am
 
Forum: Investing - Theory, News & General
Topic: Who do you guys discuss investment strategies with?
Replies: 56
Views: 2909

Re: Portfolio Size and Asset Allocation

Some of the prettier graphs we've had here.
by SteveB3005
Thu Sep 19, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio Size and Asset Allocation
Replies: 27
Views: 2988

Re: New Home: Build vs Used

I like used, the ability to select from finished and settled houses. Homes in that 15-20 yr range all would have the higher amp service panels, PVC sewer lines, and much of the same safety code as today. And check those floodplain maps, in the last week I've seen places flood out in my town, that ha...
by SteveB3005
Mon Sep 16, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Home: Build vs Used
Replies: 29
Views: 2282

Re: Got fired earlier this week, now the boss wants me back

I say move on, and " work part-time so I could spend more time with the family, and to pursue other interests." You only come this way once, looks like you have a nice financial anchor there, I'd take what I need emotionally.
by SteveB3005
Sat Sep 14, 2013 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 11385

Re: Severe criticism of DFA's "profitability" factor researc

I'm sure there are cases where that's true, but with Vanguard I don't see it.



Tax-adjusted Return .........5yr..10yr..15yr Morningstar*


VTSMX Vang TSM............. 7.37 7.39 5.92

VIVAX Vang LgV Indx .........6.32 7.04 5.38
by SteveB3005
Fri Sep 13, 2013 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 96
Views: 9457

Re: Severe criticism of DFA's "profitability" factor researc

" You have to ask "Why bother?"

This is where it always seems to end up with tilting , and especially in non-tax advantaged accounts, the after tax returns and risk adjusted gains of a TSM index are extremely hard to beat.
by SteveB3005
Fri Sep 13, 2013 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 96
Views: 9457

Re: Drainage issue - Requesting Your Thoughts

French drain and swale is the one I'd go with. The buffer of the French drain mitigates slower drains, in the event, and it's just a better all-around set-up.
by SteveB3005
Wed Sep 11, 2013 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1879

Re: Severe criticism of DFA's "profitability" factor researc

It's handy science, a marketing answer for those buzzword savvy investors who need something that fits the Grantham 'high-quality stocks' mold.
by SteveB3005
Wed Sep 11, 2013 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 96
Views: 9457

Re: Severe criticism of DFA's "profitability" factor researc

I was having flashbacks of Yobria there! Cool.
by SteveB3005
Tue Sep 10, 2013 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Severe criticism of DFA's "profitability" factor research
Replies: 96
Views: 9457

Re: [Compensation for] Overtime

Odd corporate culture, to pull something out of the bag that would seem so worker unfriendly, without putting some positive spin on it beforehand.
by SteveB3005
Sat Sep 07, 2013 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Compensation for] Overtime
Replies: 32
Views: 2937

Re: Those silly lotion containers

I think the problem continues to be making a vertical dispenser with an inverted cone design that doesn't tip easily. No inkling on the aerosols, I have felt your pain.
by SteveB3005
Sat Sep 07, 2013 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 20
Views: 2588

Re: Retire early and save money on health care

That's too much work, you got to move all your stuff, I hate moving. The tax credits are so rich on ACA that if, as a couple you stay below 62k or single below 46k income , the coverage becomes amazingly affordable for the 50-64 year olds. My calculations say maybe $400-$600 a month per person on a ...
by SteveB3005
Sun Sep 01, 2013 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Retire early and save money on health care
Replies: 10
Views: 1848

Re: Denver - where to stay, what to do and see?

If that's the week of Sunday the 15th, the St Louis Cards are in town Mon-Thu, and the Diamondbacks Fri-Sun. Great time of year to take in a ballgame here, the weather is postcard perfect and the sunsets for the night games can be spectacular. Good tickets at the window in the $25-$45 and the 'Rockp...
by SteveB3005
Sat Aug 31, 2013 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 2377

Re: Simple IRA offered by new employer

It's always the total return, in portfolios, in work, in life. If the job is to your liking and the pay reasonable, there are worse things than having part of your portfolio in taxable accounts. Sometimes there's even advantages to holding equities there.
by SteveB3005
Sat Aug 31, 2013 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple IRA offered by new employer
Replies: 9
Views: 641

Re: Au revoir mes amis

- this is by design more of a question-answer forum than a community.

Wasn't always like that. I liked it much better before the non-profit status, we got just as much good work accomplished and had a lot more fun. Easy for me to say, I don't pay the bills, just reminiscing.
by SteveB3005
Thu Aug 29, 2013 6:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 6524

Re: In contract on home with settlement and drainage concern

I need to get better at determining what people want to hear.
by SteveB3005
Thu Aug 29, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1428

Re: In contract on home with settlement and drainage concern

After fifty years the settling is about done, you know what you have in this regard and this home doesn't seem bad. Are there a lot of repaired wall cracks, misaligned interior doors, or hard to open windows? If not and I liked the house, I'd ask for concessions even if these conditions were on the ...
by SteveB3005
Wed Aug 28, 2013 10:11 pm
 
Forum: Personal Consumer Issues
Topic: In contract on home with settlement and drainage concerns
Replies: 17
Views: 1428

Re: T. Rowe bans some AA employees from 401k fund trading

"It's like taking a chainsaw to an ingrown toenail," said Dan Wiener, publisher of "Independent Advisor," a newsletter for investors in Vanguard Group funds. Wiener said he knew of no similar cases. Thought Danny might want to weigh in, not too good for business if Vanguard took...
by SteveB3005
Tue Aug 27, 2013 10:39 am
 
Forum: Investing - Theory, News & General
Topic: T. Rowe bans some AA employees from 401k fund trading
Replies: 20
Views: 2048

Re: Don't let the phone co. rip the copper wires from your h

I don't believe the story is representative of anything large. When Geraldo picks up the story, I'll rethink.
by SteveB3005
Tue Aug 27, 2013 7:51 am
 
Forum: Personal Consumer Issues
Topic: Don't let the phone co. rip the copper wires from your house
Replies: 54
Views: 6272

Re: Drying clothes in the sun - worth the hassle?

We dry many things on the long double clothesline, bed linens are wonderful hung outside , towels are a bit scratchy I suppose. Found out last month the mother-in-law brings her own when visiting, surely because of this roughness. I've long thought the wife keeps a stash of dryer softened towels hid...
by SteveB3005
Thu Aug 22, 2013 12:12 am
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6721

Re: Any thoughts on a "Market Neutral" bond strategy?

If you hold bonds to purely to dampen volatility and do your risk adjusting with an appropriate percentage of equities, the answer is to keep them short and the highest quality, minimizing duration risk as well. Larry said for years the sweet spot for this was Treasuries in the 2 year range, doubt i...
by SteveB3005
Wed Aug 21, 2013 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Any thoughts on a "Market Neutral" bond strategy?
Replies: 29
Views: 2237

Re: Honda CRV or Subaru Outback?

On our 3rd CRV and my only consistent complaint would be premature tire wear. Bing, 'honda crv premature tire wear', page after page of the same comments, just the year model changes. All of ours have been AWD, so it's not been a deal breaker for me, they're fine little transporters in the snow. I'm...
by SteveB3005
Sat Aug 17, 2013 9:35 am
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 15382

Re: What makes an individual an Expert?

Putting the word former in front of any job title works for CNN and Fox.
by SteveB3005
Tue Aug 13, 2013 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: What makes an individual an Expert?
Replies: 46
Views: 2153

Re: Au revoir mes amis

Well that sucks.
by SteveB3005
Tue Aug 13, 2013 9:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 6524

Re: Honda CRV

I'm on my 3rd all-wheel drive CRV and my only big complaint is tire mileage. I've run the cheaper Continental's and Cooper's, as well as the top of the line Michelin's, and the CRV's chews them up at nearly the same rate. Fifty thousand mile tires make it thirty and sixty thousand mile tires last th...
by SteveB3005
Fri Jul 26, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Honda CRV
Replies: 10
Views: 1101

Re: Forum Design - Hard to refer people

I get it, and have for a while.
by SteveB3005
Fri Jun 28, 2013 11:52 am
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3599

Re: Forum Design - Hard to refer people

If they're overwhelmed by the webpage layout, they're never going to get the part about ignoring market noise.
by SteveB3005
Thu Jun 27, 2013 4:59 pm
 
Forum: Forum Issues and Administration
Topic: Forum Design - Hard to refer people
Replies: 31
Views: 3599

Re: what is your opinion on when to replace a roof?

If you're in a hail prone area, consider impact resistant shingles. On an average roof the $1500 in extra cost will be repaid and more in lower home insurance premiums.
by SteveB3005
Thu Jun 27, 2013 4:53 pm
 
Forum: Personal Consumer Issues
Topic: what is your opinion on when to replace a roof?
Replies: 9
Views: 868

Re: "Beggar" at gas station - how would you handle it?

If it's a good story I give five bucks, a great story I make it ten. I don't get out much and kind of enjoy the attention.
by SteveB3005
Tue Jun 25, 2013 10:27 am
 
Forum: Personal Consumer Issues
Topic: "Beggar" at gas station - how would you handle it?
Replies: 73
Views: 5289

Re: Live next to gas station?

I'd only consider it if they had a slurpee machine.
by SteveB3005
Fri Jun 21, 2013 10:28 am
 
Forum: Personal Consumer Issues
Topic: Live next to gas station?
Replies: 44
Views: 3754

Re: California affordable care act rates for 2014 released

No firm rates yet, but Googling Georgia ACA , brings up page after page of interesting stuff. 7 insurers plan to participate in Georgia exchange. Bill Custer, a health insurance expert at Georgia State University, who was asked to evaluate the filings for GHN. says... "“On average, these plans ...
by SteveB3005
Wed Jun 19, 2013 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: California affordable care act rates for 2014 released
Replies: 143
Views: 13599
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