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by TimDex
Tue May 26, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2277

Re: Window replacement -- Renewal by Andersen?

When I built new used only Anderson windows, and am not too happy...that's 15 years ago.

Have replaced numerous windows with pella triple pane and am very pleased. Did it through lowes. Worried that a big box store would not have good installers but the job was done right.

Tim
by TimDex
Fri May 08, 2015 1:57 pm
Forum: Investing - Theory, News & General
Topic: 1929 was a great year to buy stocks
Replies: 92
Views: 5097

Re: 1929 was a great year to buy stocks

What is usually forgotten about the "great time to buy stock" is the reason why stocks were so cheap. No one, or very few to say the least, had the cash money. Bank accounts were frozen or had collapsed along with savings. See the book by Joseph Roth about living In the Great Depression. I...
by TimDex
Sat May 02, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Powerwall: The Arrival of Home Battery Backup System
Replies: 53
Views: 5030

Re: Powerwall: The Arrival of Home Battery Backup System

Quite a few threads discussing this at solarpaneltalk.com. Personally, I think most splashy media introductions like this one should be regarded with skepticism. Tim
by TimDex
Wed Apr 08, 2015 7:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 747
Views: 108205

Re: What Book Are You Currently Reading? Part VI

Just finished the first five books in The Accursed Kings series by Maurice Druon....fans of both medieval history and the game of thrones might be interested. Comes with an intro by George rr martin. It concerns 14th century France. The first five books aware on kindle. The last two in the series ar...
by TimDex
Tue Mar 31, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 4586

Re: Tesla to start making Batteries for Home Solar

Batteries are the downfall of home solar systems. They are extremely expensive to obtain a power company equivalent energy source. I would recommend anyone Interested in home solar systems and battery backups visit solarpaneltalk.com and study the various stickies. There are a bunch of electrical en...
by TimDex
Wed Mar 18, 2015 3:08 pm
Forum: Investing - Theory, News & General
Topic: Any Vanguard Balanced Index Fund Diehards
Replies: 24
Views: 3165

Re: Any Vanguard Balanced Index Fund Diehards

Why not the tax managed balanced fund, with 50 percent index and 50 percent muni bond fund?

Tim
by TimDex
Fri Mar 13, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 747
Views: 108205

Re: What Book Are You Currently Reading? Part VI

Currently reading "A Great and Terrible king" by Marc Morris, about Edward I and the "Forging of England." An excellent read...wonderful historian. I got it because of "The Norman Conquest" by the same author which I highly recommend. I could call the latter a game of t...
by TimDex
Sun Jan 18, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3813

Re: Fidelity Donor Advised Fund

My problem with these funds is what happens to the money after I die? I get to specify (request) how the money gets allocated during my lifetime, but once I pass on, can I have left a directive on allocating money to charities? My understanding is, no, and that the director of the DAF then will dona...
by TimDex
Tue Oct 28, 2014 6:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Bogleheads Groups [Looking for Central NY Chapter]
Replies: 8
Views: 740

Re: Local Bogleheads Groups [Looking for Central NY Chapter]

Not to my knowledge. When bogleheads groups were first formed, some years ago, about four of us met at the now defunct borders bookstore at the carousel mall. No meetings since then. Tim
by TimDex
Sun Aug 24, 2014 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Creating new income stream
Replies: 5
Views: 1285

Creating new income stream

The "don't buy stuff" idea has been in the inter tubes news lately. Ann althouse has a nice take on it. She notes that when her sons were in college, she created a new income steam for herself by not buying stuff. http://althouse.blogspot.com/2014/08/dont-buy-anything.html Tim
by TimDex
Sat Aug 16, 2014 4:46 pm
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6822

Re: Do Super wealthy have access to different investing vehi

While I am very happy with what I do have, if I had a sufficient sum I would own my own index fund, with one share, a very large share price, and an expense ratio infinitely close to nonexistent.

Tim
by TimDex
Fri Dec 06, 2013 2:04 pm
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 2248

Re: Pepper Spray the Best Option for Personal Protection?

I've been down this road too many times debating gun confiscation and control with advocates who pretend to be unbiased and are simply trolling. Your list is extremely biased and the supposedly non biased sources are institutions dominated by left wing ideologues. Try reading people like Gary kleck ...
by TimDex
Fri Dec 06, 2013 10:27 am
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 2248

Re: Pepper Spray the Best Option for Personal Protection?

What jumps out to me in your list is the number of committed antigun activists. This is not a list of properly conducted research, but a list of politically motivated hit jobs. D. Hemenway as a impartial analyst? Please....

Tw
by TimDex
Fri Dec 06, 2013 9:49 am
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 2248

Re: Pepper Spray the Best Option for Personal Protection?

The medical site you link to requires registration. Generally, any public health commentary on gun use age tends to be very skewed. There are a lot more defensive gun uses each year than the media would have you believe. See pretty much any research by Gary Kleck. That said, I would consider having ...
by TimDex
Tue Jun 25, 2013 4:04 pm
Forum: Personal Consumer Issues
Topic: Anybody who bought a Kindle go back to regular books?
Replies: 74
Views: 5300

Re: Anybody who bought a Kindle go back to regular books?

I've used a kindle for several years and like it better than physical books. However, for military histories and the like with lots of maps, a regular book from the library is much better. Maps and photos in kindle format just aren't handled right. I think publishers are designing for regular books ...
by TimDex
Mon Jun 24, 2013 11:03 am
Forum: Personal Consumer Issues
Topic: Garlic anyone?
Replies: 51
Views: 5055

Re: Garlic anyone?

A little ot, but it is really easy to grow garlic. I live on canadian border, plant in fall when leaves turn, mulch with straw. I put in about 150 plants last fall (using garlic cloves from previous harvest). Even in the suburbs, you could put in a patch. tim
by TimDex
Thu Jun 20, 2013 2:19 pm
Forum: Personal Consumer Issues
Topic: WiFi Router Recommendations?
Replies: 44
Views: 3828

Re: WiFi Router Recommendations?

I recently installed an apple airport express and was a little surprised at how easy it was. Five minutes and done. Wifi is worth it if you have multiple items like kindles, tablets plus a computer. I still have my old printer (an HP 1320 which does have a usb port) hooked up to the computer. It may...
by TimDex
Thu Apr 18, 2013 10:49 am
Forum: Personal Consumer Issues
Topic: Upgrading Cookware?
Replies: 48
Views: 5483

Re: Upgrading Cookware?

I bought a set of paula deen cookware on sale at wal-mart. great stuff, heavy bottom, stainless, cheap. (pause for snark on part of readers re paula deen...but it's good stuff) I buy a cheap nonstick pan and throw it out when the teflon wears out. I do have a le cruset heavy enameled cast iron pot t...
by TimDex
Sat Mar 16, 2013 8:57 am
Forum: Personal Consumer Issues
Topic: Doomsday Preppers [TV show]
Replies: 15
Views: 1674

Re: Doomsday Preppers [TV show]

The people featured are carefully selected to look foolish and irrational, which is in line with the media/Hollywood view of anyone who doesn't agree with them.
by TimDex
Mon Feb 18, 2013 3:22 pm
Forum: Personal Consumer Issues
Topic: Kindle wears out quickly?
Replies: 17
Views: 1855

Re: Kindle wears out quickly?

Thanks for the advice to call amazon. I did, and they are sending a replacement kindle at no charge provided I return the one that's defective. They will send an email with a shipping label so it's no charge for me to return via ups. I guess they do operate on the razor and razor blade principle. I ...
by TimDex
Mon Feb 18, 2013 3:09 pm
Forum: Personal Consumer Issues
Topic: Kindle wears out quickly?
Replies: 17
Views: 1855

Re: Kindle wears out quickly?

I will give amazon a call.

In response to a question on downloading already purchased material, just go to the manage your kindle page and you can find your stuff. It's easily downloaded to another device.
by TimDex
Mon Feb 18, 2013 12:46 pm
Forum: Personal Consumer Issues
Topic: Kindle wears out quickly?
Replies: 17
Views: 1855

Kindle wears out quickly?

I'm curious if other forum members who use a kindle have found that it seems to wear out in about two years? I've had two kindles, a keyboard model, and a newer touch, and have used them daily. The first failed and second seems on the verge of doing so, despite repeated hard restarts and a return to...
by TimDex
Fri Feb 15, 2013 5:32 pm
Forum: Personal Consumer Issues
Topic: Norton update phish?
Replies: 14
Views: 1265

Re: Norton update phish?

frugalinvestor --

that does clarify....

thanks


tim
by TimDex
Fri Feb 15, 2013 2:13 pm
Forum: Personal Consumer Issues
Topic: Norton update phish?
Replies: 14
Views: 1265

Re: Norton update phish?

My wife, do handled the computer systems at the library before she retired, is adamant that what symmantec wanted was the password for the email account, and that they have requested this from them at the library in the past. Further, she said she received an email from symmantc noting that our acco...
by TimDex
Fri Feb 15, 2013 8:56 am
Forum: Personal Consumer Issues
Topic: Norton update phish?
Replies: 14
Views: 1265

Re: Norton update phish?

I've tried contacting norton and have gotten no response. I was wondering if I got it wrong -- I was certain it asked for the password to my email account and not just a password to the norton site. I wondered if I was wrong so tried googling -- apparently some others have had a similar experience. ...
by TimDex
Thu Feb 14, 2013 12:16 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 26
Views: 3123

Re: Worth fixing a 30-year-old Maytag dryer?

I have new washer and dryer.

Worthless. I should have kept my old maytag.

My advice -- if they can be fixed do it. Newer washers in particular do not wash clothes like old ones. Do not listen to any nonsense about how new appliances are friendlier to the environment.

tim
by TimDex
Wed Feb 13, 2013 1:17 pm
Forum: Personal Consumer Issues
Topic: Norton update phish?
Replies: 14
Views: 1265

Norton update phish?

My wife was upgrading our online norton security account and I noticed that it wanted not only our email but also the password to our email account at yahoo. I couldn't believe that this was anything but a phish, occasioning some dispute between DW and myself. Is this accurate? Does Norton require y...
by TimDex
Fri Feb 01, 2013 9:04 am
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 3234

Re: uses for old laptop?

Glenn Reynolds at Instapundit once posted that he had a laptop he used only for financial transactions and accounts. I emailed him to ask him about it, and he replied that it was an old laptop that had a new hard drive. He said he realized it was essentially a virgin machine so he relegated it to fi...
by TimDex
Tue Jan 08, 2013 12:31 pm
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 19181

Re: Do Whole House Humidifiers Work?

I use the cheap vicks warm air mist humidifiers for 16 each at wal mart. With a 1100 sq ft house, two of them will bring the humidity up to about 52%, compared to about 30% without.

tim
by TimDex
Sat Jan 05, 2013 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help...EJ to Vanguard
Replies: 43
Views: 3871

Re: Portfolio Help...EJ to Vanguard

FWIW, transferring an EJ taxable account to Vanguard is possible -- all the American funds will end up in a brokerage account where you can sell them at your leisure. tim
by TimDex
Thu Dec 27, 2012 10:05 am
Forum: Investing - Theory, News & General
Topic: SP500 globalized; substitute for int'l investing?
Replies: 11
Views: 992

SP500 globalized; substitute for int'l investing?

I ran across an interesting statistic the other day -- that the sales of companies in the SP500 are increasingly international -- at this point the writer claimed they were 48% and estimated that this would increase steadily in the years ahead. My question: are the increasing global sales of large U...
by TimDex
Thu Aug 09, 2012 4:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle article in Institutional Investor
Replies: 2
Views: 584

Bogle article in Institutional Investor

An article on John Bogle http://www.institutionalinvestor.com/Article/3071953/Mutual-Fund-Giant-John-Bogle-on-Investment-vs-Speculation.html (From intro -- ) There’s nothing like 60 years’ experience in the financial industry to provide one with hindsight and a few lessons learned. According to John...
by TimDex
Wed Jul 18, 2012 9:04 am
Forum: Forum Issues and Administration
Topic: "Useful and censorship-free site to discuss investing"
Replies: 62
Views: 7398

Re: "Useful and censorship-free site to discuss investing"

Personally, I think it's hocus...

Just saying...

tim
by TimDex
Sat Apr 21, 2012 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming PBS Special:
Replies: 34
Views: 13367

Re: Upcoming PBS Special:

Thought I would resurrect this thread to mention how good the BBC adaptations of Sense and Sensibility, Pride and Prejudice, and Emma are. They are very well worth ordering on dvd and watching. I didn't find Northanger, Mansfield Park or Persuasion as good. Considering the much shorter length of tho...
by TimDex
Sat Apr 14, 2012 2:39 pm
Forum: Personal Consumer Issues
Topic: E-Readers & Tablets Revisited
Replies: 64
Views: 5690

Re: E-Readers & Tablets Revisited

Browsing the web and reading a book are two different activities. A plain and simple kindle (very cheap now) is best for the latter; an iPad better than the kindle fire I think for the former. If you don't do an enormous amount of reading you could probably get by with an ipad for both activities. B...
by TimDex
Mon Apr 02, 2012 7:41 am
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price 401K plan: Any good?
Replies: 15
Views: 2467

Re: T Rowe Price 401K plan: Any good?

While TRP's index offerings are meager, what they do offer can be used to make up a basic three-fund portfolio. They offer indexed versions of a total us stock market, total international and total bond. Which is basically all you need. tim
by TimDex
Tue Mar 20, 2012 8:38 pm
Forum: Personal Consumer Issues
Topic: Greek Yogurt: Worth the Money, Yay or Nay?
Replies: 58
Views: 4589

Re: Greek Yogurt: Worth the Money, Yay or Nay?

You can make yogurt by adding fresh yogurt to scalded milk (after it cools), leaving it overnight. Then drain to get a nice greek-style yogurt.

tim
by TimDex
Thu Mar 15, 2012 1:01 pm
Forum: Personal Consumer Issues
Topic: Current equivalent to a Taurus car?
Replies: 44
Views: 2714

Re: Current equivalent to a Taurus car?

My wife has a 2005 taurus and really likes its dependability. My understanding is that the present taurus is simply a rebranded larger ford. They simply didn't want to abandon the taurus name. tim
by TimDex
Wed Mar 14, 2012 9:05 am
Forum: Investing - Theory, News & General
Topic: Why I love being 50/50
Replies: 42
Views: 3851

Re: Why I love being 50/50

And for those interested in Ben Graham's comments on a 50-50 portfolio, here's a link to a speech he gave many years ago. (The site will provide a link to a pdf file with a typewritten copy of Graham's speech. It's a companion piece to his comments in the Intelligent Investor. ) http://www.jasonzwei...
by TimDex
Mon Mar 05, 2012 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Back to Vanguard I go
Replies: 6
Views: 968

Re: Back to Vanguard I go

Read some of the basic material. A quick introduction to index investing came be found in the very short books of Dan Solin. A very key thing to do is figure out what percentage of assets you want in stock and what in bonds. You may find it very easy to invest using one of the Life Strategy Funds. T...
by TimDex
Mon Feb 27, 2012 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: I need "high net worth" investing advice please
Replies: 78
Views: 11304

Re: I need "high net worth" investing advice please

LifeStrategy Conservative Growth Fund.

40-60 stock bond ratio, automatically rebalances daily between Total Stock, Total International, Total Bond.

Expense ratio is .16%.

Quit agonizing, keep a large emergency stash local, put the rest in a simple fund, get on with your life.

tim
by TimDex
Tue Feb 21, 2012 11:43 am
Forum: Investing - Help with Personal Investments
Topic: I need "high net worth" investing advice please
Replies: 78
Views: 11304

Re: I need "high net worth" investing advice please

This subject comes up periodically. Basically the advice you need is the same....as for someone with a lot less money. Bottom line, I would advise using Vanguard's financial advice. Depositing that amount of money "definitely" gets you a financial plan and a talk with a financial adviser. ...
by TimDex
Wed Jan 18, 2012 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Hacked -- how?
Replies: 62
Views: 6631

Credit Card Hacked -- how?

I recently had a credit card "hacked" -- in the sense that someone charged two JetBlue airline tickets to my card. I received a call the next day from Capital One alerting me and I disallowed the charges. Kudos to Cap One, but how did someone get my card in the first place? I do use it for...
by TimDex
Thu Dec 29, 2011 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Tremendous article on saving (and how difficult)
Replies: 12
Views: 2655

Tremendous article on saving (and how difficult)

There is a really excellent article on saving (and how difficult it really is in a consumer society) at the Atlantic (by Megan McArdle, one of my favorite columnists): http://www.theatlantic.com/business/archive/2011/12/saving-the-new-year/250554/ But most of the research on consumer finance shows t...
by TimDex
Sun Oct 02, 2011 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend ETF
Replies: 5
Views: 682

ETF

There are two Vanguard etf's focused on dividends -- one is the dividend appreciation and the other is a dividend high yield.

Here is the Vanguard starting page on etf's -- before you invest I would spend a lot of time reading.

https://personal.vanguard.com/us/funds/etf

Tim
by TimDex
Fri Sep 02, 2011 5:40 pm
Forum: Personal Consumer Issues
Topic: Cork flooring, anyone?
Replies: 10
Views: 1416

cork

It's nice, but doesn't like water. I would actually look at linoleum (the oldie but goodie) for kitchens and bathrooms and reserve cork for living rooms etc. Tim
by TimDex
Sun Aug 28, 2011 5:42 pm
Forum: Investing - Theory, News & General
Topic: What about the theory behind this simple portfolio?
Replies: 21
Views: 1813

gamble

I think what it boils down to (assuming your friend actually held those long bond and gold positions for a decade) is that your friend gambled and won. Without looking up long bonds and the price of gold, I know those assets have done well over the last decade or so. Such positions having done well,...
by TimDex
Fri Aug 26, 2011 6:29 pm
Forum: Personal Consumer Issues
Topic: Economics of an RV
Replies: 60
Views: 8207

rv

The economics of an RV are really tremendous!!

In fact, I'll sell mine to you just to prove the point!

TW
by TimDex
Sat Aug 20, 2011 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I Loan My Kid Money for College
Replies: 81
Views: 8689

college

If you've saved the money in a 529 to pay for tuition/room/board, then spend it. There's no point in the kid having debts when he graduates. Working is worthwhile. If his spending money is what he earned, he will be way (hopefully) cautious on spending it on foolishness. So my vote is spend the mone...
by TimDex
Fri Aug 12, 2011 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Considering buying 1st home, a manufacturered home, age 25..
Replies: 26
Views: 2581

mfg homes

I think it really depends on the home. A manufactured home that looks like one won't have as much appreciation as a stick built home. A lot of people don't want to buy an older manufactured home. (A manufactured home, fyi, is not trailer in a park.) On the other hand, one that looks like a tradition...

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