Search found 228 matches

Return to advanced search

Re: Best solution for clouded auto headlight lens?

I've seen several videos on YouTube with individuals using Off (or the equivalent)bug spray and a paper towel, and it seems to work great. I have an 1998 minivan with a clouded headlight. Last year I used one of the polishing kits and it worked but it took a least 15-20 minutes and the results did ...
by Woodshark
Sun Oct 12, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2691

Re: Small Moneysavers Which Add Up

I and my wife are avid readers yet we hardly ever buy books. We have an excellent local library system. We can go online and see what best-sellers are coming up and place a reserve on them. When they are available, they send us an email and they are held for 5 days. Plenty of time for us to go by ou...
by Woodshark
Wed Oct 08, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6855

Re: A good day to be in heavy in Bonds --- 10-7-2014....

I'm just glad I moved 10% of our portfolio from stocks to bonds last month. (I was due for an AA realignment)
by Woodshark
Tue Oct 07, 2014 8:14 pm
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3391

Re: Just need to vent

Your parents are in their 90's and have over one million in investments. If they are happy with their adviser and he/she is not investing in something wildly outside the lines then I would let it be. Sure, they are probably paying a little more than a Boglehead would for management but if it's not t...
by Woodshark
Sun Oct 05, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3479

Re: Repair Van or buy new Van/SUV?

That Honda is not old. It's got at least another 100k miles before you get rid of it. Torn or leaking CV boots are a common repair and should not set you back more than a few hundred or less from a local mechanic. Consider it maintenance. Fix it and drive it at least another year or three.
by Woodshark
Fri Oct 03, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1451

Re: R u selling PIMCO bond fund

Bungo wrote:PTTRX is the only bond fund available in my 401(k), so I own and will continue to own it. Outside of my 401(k), I use Vanguard's BND.


Same here. I would have never bought into it if there was a decent alternative. So we are stuck with it for now.
by Woodshark
Thu Oct 02, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 2759

Re: Drought-tolerant Rosemary

We love to use rosemary in cooking and grilling. So easy to grow, we have plants at both of our homes.
by Woodshark
Mon Sep 08, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Drought-tolerant Rosemary
Replies: 5
Views: 599

Re: When to jump ship?

Very nice storied analogy. For me, I’d pick a middle island. Not to primitive and not too posh. I would gladly trade more years living a good life, while younger, and at a slightly about standard level of comfort than MAYBE a few very good years of an extravagant lifestyle. You can buy anything but ...
by Woodshark
Mon Sep 08, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump ship?
Replies: 42
Views: 4928

Re: S&P500 over 2000

js12337 wrote:So who is selling equities and buying bonds to re-balance their portfolio?


I did. I've been a touch uncomfortable with the rise of equities in my AA. When it went over 2000 I thought that now would be as good a time as any, so I sold 5% and purchased TBM.
Now I sleep better at night.
by Woodshark
Tue Aug 26, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5535

Re: Want to buy a used Mini Cooper-> Talk me into it?

Gambler wrote:
what I'm looking for is reliability, good gas milage, and low cost of ownership.

:P


Not going to find any of those those in a Mini. You need to look at Mazda Miata, they have them all.
by Woodshark
Wed Aug 20, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 25
Views: 1847

Re: Look for the Butterfly!

"Nisiprius is one of the major reasons why I keep coming back to this board-- time after time, week after week."

Someone said this way back in 2010 and I agree with it still.
by Woodshark
Wed Aug 20, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Look for the Butterfly!
Replies: 4
Views: 734

Re: Investing for inlaws

Since they (I think from your post) are not very knowledgeable about investing I would recommend a single fund like a Wellington or a target retirement date fund. Set & forget.
by Woodshark
Wed Aug 20, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for inlaws
Replies: 23
Views: 1027

Re: Carrara Marble - Large Orange Stain

I have a small brownish orange stain on ours. It was caused by the wife's hair dye. I've tried a lot of things (bleach, oxyclean, oxalic acid, etc) but nothing removed it.

You might have to live with it. I cover ours with a box of kleenex.
by Woodshark
Tue Aug 19, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1351

Re: x years of expenses

I don't have an answer but you pose a very good question. I've heard of this bucket of cash approach for years but no one seems to know exactly when to use it and then replenish it. It seems to be more of a "use it when markets are low. When the markets recover, sell stock funds and replenish y...
by Woodshark
Sat Aug 09, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: x years of expenses
Replies: 10
Views: 1274

Re: Inexpensive paper check replacement?

Be careful of those cheap checks from mailer inserts. The prices are for new customers only. If, in a couple of years, you order again then they charge you the normal rates that are three times higher.

Best inexpensive place is Walmart.com. I've ordered twice with no surprises.
by Woodshark
Mon Aug 04, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1651

Re: How much energy does water heater use when I'm not home?

Use the breaker, don't worry about it. We have a lake home we built about 8 years ago. It has an electric water heater. We always turn off the breaker when we leave and back on when we arrive. We tend to use the lake house about twice a month and we've had no problem and are still on the original br...
by Woodshark
Sun Jul 20, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2829

Re: What after-tax income could you live on today?

We are in our low 50's. No kids. Two houses (home and vacation home) both paid for. Our yearly expenses are 36K after taxes. This includes a couple of week long vacations to the virgin islands. Add another 500 or so for medical insurance premiums and we are good at 42K.
by Woodshark
Fri Jul 11, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5279

Re: List of Worst financial advice (what not to do):

Here are several of the best examples of bad advice I can think of....... "Don't worry about saving for retirement when you're young. Just wait till you're older and have more money. Then you can start investing" "Lease a car. After the lease is over, turn it in and get a new one. Tha...
by Woodshark
Tue Jul 08, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16499

Re: How many Bogleheads golf?

I've tried it a couple of dozen times over the last 15 years or so. Even own a set of clubs. Still, never caught the golf fever. I just don't understand why people love this game so much. As Mark Twain said " Golf is a good walk spoiled"
by Woodshark
Sat Jun 28, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4608

Re: Safe draw down %?

The generic safe draw down is that is a portfolio of 50% stock index and 50% bond index should have a 90% chance of lasting 30 years with a 4 percent annual draw.

Click here for more.
http://www.bogleheads.org/wiki/Safe_withdrawal_rates
by Woodshark
Fri Jun 27, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2118

Re: It is time to retire when you .......

My favorite answer to "It's time to retire when...." is short, sweet and to the point.

"When you have enough and you've had enough"
by Woodshark
Fri Jun 20, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10099

Re: Where do I go from here?

When I was your age someone showed me the potential power that compounding could have on my investments. Basically, a little invested when you are young works out much better than waiting a few years and then having to invest a lot more to play catch-up. That is when I decided that l would split my ...
by Woodshark
Thu Jun 19, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I go from here?
Replies: 13
Views: 1203

Re: How to calculate percentage of income needed once retire

It is expenses (not income) that you need to use as a figure for retirement. There are two ways to figure it out. HARDER/More accurate: Track your expenses by category every month for several years. Then maybe budget in large items that come along once in a while, ( new roof, new car, wedding for da...
by Woodshark
Mon Jun 16, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate percentage of income needed once retired?
Replies: 13
Views: 1010

Re: New low income investor

I'm looking for some advice on what fund to choose. Would it be smart to just put it into the same fund as my Roth (Vanguard Total Retirement 2050)? It seems to perform well and has a low ER but I'm wondering if it's a better idea to diversify a bit from this? Yes, it would be very smart to put it ...
by Woodshark
Fri May 30, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New low income investor
Replies: 6
Views: 1212

Re: Denied Free Retirement Plan [at Vanguard]

If it really bothers you then go to your local credit union or small town bank. Get a HELOC or personal line of credit for 30K. As soon as it's available, move it to Vanguard. Start the free plan ASAP. Wait one week, move the $ and pay off the credit line. Done. At most you might be out around $75 t...
by Woodshark
Sun May 25, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denied Free Retirement Plan [at Vanguard]
Replies: 31
Views: 3480

Re: penny smart, dollar stupid with cars

Even though the truck is a gas guzzler, it seems like you still enjoy/want/need a truck...for now anyway. Keep it for now at least. Wait until about three months after you've moved. Then ask yourself "Did I NEED to have a truck over the past couple of months?" Then you will have your answer.
by Woodshark
Sun May 25, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: penny smart, dollar stupid with cars
Replies: 24
Views: 3251

Re: replacing capacitors on a heat pump

I'm a pretty handy type guy with a working knowledge of electricity and electronics. After the first repair guy charged me $$$ for 10 minutes of work to replace a cap in our AC unit, I decided to replace them myself the next time. The next time happened about 6 months later. It was on the other unit...
by Woodshark
Thu May 22, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: replacing capacitors on a heat pump
Replies: 10
Views: 910

Re: Staking Tomatoes

I use 2x2 stakes, and the wire tomato cages. I've had the cages for at least 15 years and they still work. I tie them up pieces of my wife's old pantyhose. :D If she gets a run in a pair, it goes into the garden area to be used later. I learned this trick from an old farmer back in the 70's. They ti...
by Woodshark
Thu May 22, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Staking Tomatoes
Replies: 20
Views: 1085

Re: John Rekenthaler

ObliviousInvestor wrote:
Taylor Larimore wrote:I hope that you will continue to share your thoughts

Ditto this. Welcome, John!

Another welcome John. Thanks for your input. I hope you find many occasions to post your thoughts.
by Woodshark
Wed May 21, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7342

Re: The 30,000 Club

I think that there are a few here with wisdom that (thankfully take the time) to respond to our questions with the proper blend of insight, knowledge, experience and humor. For that few that post a great deal, I thank you.
by Woodshark
Thu May 15, 2014 5:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The 30,000 Club [Number of Bogleheads forum posts]
Replies: 23
Views: 2528

Re: best cat litter and price

We use "Cats Pride" -natural (no perfume) because our feline has problems with scented brands. I usually wait till it's buy one/get one free at our local grocery store (Publix) and stock up.
by Woodshark
Tue Apr 29, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 759

Re: Really confused by Bernstein

snip For quite a while rule of thumb of SWR has been discussed with implicit assumption that fixed portion of portfolio allows one to weather the risk of equities. Now discussion comes along and says if you only have 25 times needed expenses then none of that can be at risk. Reality is saving more ...
by Woodshark
Thu Mar 27, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 14643

Re: Really confused by Bernstein

After some reflection, I see what the OP is talking about. I’ve been reading this and other investment and retirement forums for a couple of years. About 95% of the basic structure of all the advice has been to make sure to save at least 25 times your annual expected expenses. Invested in a good mix...
by Woodshark
Mon Mar 24, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 14643

Re: State Farm or Allstate

One cautionary tale about Allstate. I switched all my business to them after getting a low quote, only to have my homeowner's rate retroactively increased by 20% about 4 months later, following a visit from Allstate's appraiser. The appraiser's valuation of my house was much higher than the valuati...
by Woodshark
Sun Mar 23, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Farm or Allstate
Replies: 26
Views: 2158

Re: Cedar Plank Siding

That’s a hard guess to come up with. It depends on several things…. The quality of the cedar The quality of the installation The quality of the stain used The degree and amount of sun and water exposure I would think if you use a good solid color stain maybe recoat every five years and it should las...
by Woodshark
Wed Mar 19, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 1141

Re: Anyone know of places to purchase canes

You can buy a generic one or buy one custom made for your height and build. I made my FIL one for Christmas. He has had several back surgeries over the years and now needs one for balance. His has a brazilian cherry shaft with a mahogany handle and maple and purple heart accents. He shows it off all...
by Woodshark
Tue Mar 18, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know of places to purchase canes
Replies: 26
Views: 1439

Re: "Getting Real About Retirement"

To the OP, thank you for the breath of fresh air. We almost always ("sometimes" would have been a gross under calculation) tend to over think things. With all the RMD spreadsheets and monte carlo simulations, it is nice to see a little real life presented here every now and then.
by Woodshark
Sun Mar 16, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3285

Re: Two commas...

First off, congratulations! It's a tough crowd here some days but you know, compared to the general populous, it is a very nice achievement. Some consider is net worth, including your principal home minus any outstanding debts. Others consider it only if it's all in investable assets, not including ...
by Woodshark
Fri Mar 07, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two commas...
Replies: 32
Views: 3498

Re: what's your number?? (for married couples)

I know you came here looking for answers and clarity. With all the different responses it's probably clear as mud now. Some of the early and simple answers are the best. Simple method- Figure out your expenses in retirement. Subtract any pensions from this amount. Take the result and multiply it tim...
by Woodshark
Thu Feb 27, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: what's your number?? (for married couples)
Replies: 70
Views: 6473

Re: Do you balance your checking account?

Levett wrote:Now I know for sure I'm an old-timer.

The very question strikes me as absurd.

Lev


My thoughts exactly. The first thing I thought was "of course I do". I cannot imagine not balancing it. I've caught way too many mistakes in the past to give it up.
by Woodshark
Sun Feb 16, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5480

Re: Joined the "Two Comma Club" Today

At 27. That is wonderful. I was around 50 before joining the club.
by Woodshark
Fri Jan 31, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4634

Re: Best Boglehead lesson

I learned, after many years of doing the wrong things, that investing is simple. However, because of human nature to fiddle with things, not at all easy. I now understand what Taylor calls the majesty of simplicity. I learned that 1% is a lot of money for the price of advice when compounded over tim...
by Woodshark
Mon Jan 13, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Best Boglehead lesson
Replies: 74
Views: 5646

Re: What are your favorite websites and forums?

Are you talking about investment / retirement or general interest? Frugal living and life-hacking goes to Mr. Money Mustache http://www.mrmoneymustache.com/2011/04/06/meet-mr-money-mustache/ Early retirement dreams are at http://www.early-retirement.org/forums/ Drop out and travel the world with you...
by Woodshark
Sun Jan 12, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What are your favorite websites and forums?
Replies: 8
Views: 2253

Re: Thinking about buying a 2014 Acura RDX

Consider a loaded Honda CRV. Another vote for the CRV. We have some good friends who had the Acura for years. They decided to give it too their daughter and buy a new one for themselves. After comparing the Acura to the Honda, they chose the CRV because it was just as reliable and the ride was almo...
by Woodshark
Sun Jan 12, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 5192

Re: Made a $50k bet on Healthcare

but I am going to warn you seriously about the danger of slogans. Specifically, the danger of maintaining some little private stock of maxims and slogans, all mutually contradictory, that you can use in place of thought--a nice little baby rattle you can hand to your left brain to play with to dist...
by Woodshark
Sat Jan 11, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 55
Views: 9385

Re: Surprises in 2014

Levett wrote:Vanguard will offer a new Managed Payout Fund simply called Plan B. :wink:

Lev

At first I laughed out loud. Then I thought about it.
All jokes aside, this would be very popular. :P
by Woodshark
Tue Jan 07, 2014 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 4856

Re: Favorite Christmas Gift

Remote thermometer for my Big green egg.
by Woodshark
Sat Dec 28, 2013 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Christmas Gift
Replies: 43
Views: 2240

Re: Cash in Your Wallet

I always have cash. Seldom less than $20 or more than $100.
by Woodshark
Sat Dec 28, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4347

Re: Drawing Down a "Peace of Mind" Fund

A little over a month ago I finally drew off around 2 percent of our investments and purchased a car. (I've been driving a 98' and the wife has been suggesting for over a year it was time to upgrade.) At the time it bothered me to no end since it dropped our total figure below a nice round figure. N...
by Woodshark
Fri Dec 27, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing Down a "Peace of Mind" Fund
Replies: 12
Views: 1060

Re: Good Christmas (gag) gift

A DVD of the Disney/Pixar movie Cars. It's a gag gift for him but the daughter's would enjoy watching it.
by Woodshark
Mon Dec 16, 2013 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Good Christmas (gag) gift
Replies: 18
Views: 1865
Next

Return to advanced search