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Re: Frugal Fatigue

We live in Boise, very low cost of living, no crime, and make very good money. We live on about 20% of our gross (36% of our net) income, we live in a nice (2700 sqft 5 bedroom in a nice neighborhood) house, drive nice cars (we lease new every 3 years because we like new cars, can afford it and oth...
by ataloss
Fri Apr 04, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9814

Re: I don't want to upgrade XP just yet, is that ok?

so I just looked at the website for a major computer retailer. They have lots of windows 7 used/refurbished desktops for $100-200. I don't know or care what anybody else should do. If your hobby is dealing with old computers and software, fine. On the other hand, I don't think there is any financial...
by ataloss
Sat Mar 15, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6358

Re: Was frugality a mistake? The downsides of saving too mu

so is this related to your thread about the guy who wants a Porsche? FWIW I have been frugal about objects but less so with experiences. Flew to Disneyworld with the kids and wife enough that they got tired of it. Cruises, trips. I buy expensive beer and consumables. Experiences that you defer may n...
by ataloss
Sat Mar 15, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8813

Re: I don't want to upgrade XP just yet, is that ok?

I kept using an old xp netbook beyond the point of reason even upgrading the ram to try to improve performance. The money isn't the issue I was just determined to keep using it. Eventually I gave up and switched to a chromebook for web browsing and a win 7 desktop for circumstances where I must use ...
by ataloss
Sat Mar 15, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6358

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.


exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 15, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6409

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.


exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 15, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6409

Re: Considering moving to Oregon

max state income tax rate in OR is 11% vs Michigan 4.35%. Big difference to me (also a job opportunity issue) Although the per capita tax burden in the two states is similar the lack of sales tax means that oregon has to make it up elsewhere. Oregon is fine but I lived on the coast and it seemed to ...
by ataloss
Sat Mar 08, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2622

Re: Cheap reading for a senior - Kindle or regular books?

does she have wifi at home? I am wondering how she loads the books on to the kindle. Thinking of a senior who has no home wifi for whom driving to the library (or McDonalds/Starbucks) would be a burden.
by ataloss
Sat Mar 08, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 2414

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

The pictures help. It looks tough. I wouldn't want you to level the house but if there is a central duct rising from the basement to the attic I was thinking that there might be a way to tap in to it in multiple spots on the first and second floor to have short runs of vents to living areas, abandon...
by ataloss
Fri Feb 21, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 2983

Re: Attic Insulation Retrofit: Spray Foam Insulation

Can you just use spray foam and wood to keep heat from leaking into the attic from around the column? That part would seem like a diy project. Can you move the ducts to conditioned space i.e. second floor? (not diy) Here is a picture from energy.gov about insulating attic ducts http://energy.gov/ene...
by ataloss
Wed Feb 19, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 2983

Re: Downsizing: Single home to a condo

nice twin house!

OP, you might be done with major repairs for a while.I would hang on
by ataloss
Wed Feb 19, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1429

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

The house we have now is bigger than we need now and still too big when we have kids. At least that is what we expect based on the average sized houses we were brought up in. If we were to move to a smaller home, we would want a 3br/2ba, so two kids could have their own bedrooms, if a third kid sho...
by ataloss
Tue Feb 18, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2274

Re: Vanguard Passwords

I feel safe enough with the 100 quadrillion possibilities.... and they have 3 chances before they are locked out :o Still, I will increase my password length since it is stored in Keypass and I don't have to type it. Also I notice that they are advocating caps and lower case so apparently they are ...
by ataloss
Thu Nov 21, 2013 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Passwords
Replies: 65
Views: 7883

Re: 2007 Honda Civic, to sell or not to sell?

Boat Guy wrote:What would the Millionaire Next Door do? Keep it. Get the timing belt replaced and do your next assessment of keep vs sell once you get to 180K.


the 07 has a timing chain
by ataloss
Sat Oct 05, 2013 8:40 am
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2663

Re: 2007 Honda Civic, to sell or not to sell?

Do the statistics say that the 07 Accord is a safer car than the 07 Civic? Are you sure? Couldn't the respective groups driving these cars have just a little bit to do with it? In my neighborhood, the drivers of the Accord have to be among the most conservative and safety conscious lot there is (wi...
by ataloss
Sat Oct 05, 2013 8:30 am
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2663

Re: 2007 Honda Civic, to sell or not to sell?

ESC helps drivers maintain control on curves and slippery roads. It cuts in half the risk of a fatal single-vehicle crash. http://www.iihs.org/iihs/ratings/safety-features The overall driver death rate for the civic 4 dr is mostly from multi vehicle crashes not necessarily affected (at least as muc...
by ataloss
Fri Oct 04, 2013 11:53 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2663

Re: 2007 Honda Civic, to sell or not to sell?

Just to keep things in perspective, your 2007 Civic (assuming 4-door) has a driver fatality rate of 55 per million vehicles registered. In other words, the fatality rate is tiny, and it compares extremely favorably to other cars of its size and, indeed, other cars that are much larger. If a previou...
by ataloss
Fri Oct 04, 2013 11:14 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2663

Lease: Who controls master alarm code?

I am new at this but I am looking at leasing a small commercial building. The lessor wants to retain a key and control over the master alarm code. I am fine with periodic inspection of the property but hesitate to allow him unrestricted access to the building when I am not there. From time to time I...
by ataloss
Fri Sep 27, 2013 5:00 am
 
Forum: Personal Consumer Issues
Topic: Lease: Who controls master alarm code?
Replies: 3
Views: 614

Re: Self defense for student

livesoft wrote:His bike should be so crappy that no one would want to steal it.


I have heard of people repainting nicer bikes to look crappy with the idea that in a rack full of bikes the thief will pick the one that looks like if would have the best resale value
by ataloss
Sun Sep 22, 2013 6:59 am
 
Forum: Personal Consumer Issues
Topic: Self defense for student
Replies: 33
Views: 1548

Re: Traffic Ticket

Dumb cop here. Short rant before I get back to the post. It's obvious to see many of you have had a few experiences with bad cops and are willing to generalize. OP I am sure most police are trying to do the right thing but it isn't 100%, It make sense to get an attorney even in an absurdly weak cas...
by ataloss
Sun Sep 22, 2013 6:55 am
 
Forum: Personal Consumer Issues
Topic: Traffic Ticket
Replies: 42
Views: 3782

Re: Cutting the cord on Cable

comcast- $39.95/mo for internet no cable for me
by ataloss
Sat Jul 27, 2013 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9371

Re: Cutting the cord on Cable

Using a Magnavox DVR with over the air TV has worked great for me. We record things to watch later so there is always something to watch when the mood strikes. This and the outside antenna (installed) amount to about 6 months of cable bills. Over the last 3 years we have watched better quality progr...
by ataloss
Sat Jul 27, 2013 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9371

Re: Roomba vacuums

Rob5TCP wrote:Bought one soon after they first came out. Used it several times, but became more hassle than it was worth. Last couple of years, I only bring it out when people are visiting -- as a novelty.
by ataloss
Tue Jul 16, 2013 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 3803

Re: Fitness Wristbands??

I am using the fitbit flex. it works fine but I agree it isn't a necessity. Wife has a fitbit one so we compete a little.
by ataloss
Sat Jul 13, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 1500

Re: Premature Timing Belt Failure

I'd be skeptical that the belt was even replaced.


That was my first thought
by ataloss
Sat Jul 13, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Premature Timing Belt Failure
Replies: 5
Views: 679

Re: Wrist Watches

I like Citizens. Just bought a titanium eco drive atomic.
by ataloss
Sat Jul 13, 2013 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5760

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

in my experience it is a good idea to stay away from Hondas for 2 years after the periodic update
by ataloss
Sat Jul 13, 2013 5:18 pm
 
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1266

Re: Help Me Replace my NetGear Wireless Router

II have been looking at the Buffalo N300 gigabyte wzr300 hp. My current linksys has a security flaw (in the harware pin) and the buffalo router runs dd wrt out of the box.
by ataloss
Fri Jul 05, 2013 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Help Me Replace my NetGear Wireless Router
Replies: 36
Views: 2568

Re: Page Plus Versus Republic Wireless - Who's Better?

so I looked at the coverage maps and pageplus is "roaming" in the tip of the thumb area in Michigan. I rarely if ever go to that part of the state and my t_mobile service is probably poor there too. I am pretty satisfied with t mobile but page plus in intriguing.
by ataloss
Fri Jul 05, 2013 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3494

Re: How many pair of shoes?

maybe the question should be how many pair of shoes do you buy a year I bought one pair of Danskos last year to replace a worn out pair (but kept the worn out pair) This year I bought a pair of Propet walking shoes to replace some old New Balance shoes that I did discard. I have hiking boots, mount...
by ataloss
Thu Jul 04, 2013 10:17 pm
 
Forum: Personal Consumer Issues
Topic: How many pair of shoes?
Replies: 70
Views: 4504

Re: Use of Copyrighted Materials for On Line Presentations?

I am considering developing an on line course and would like to display copyrighted charts, cartoons, etc. from other publications. Is there a way to legally use these materials without copyright infringement? Do you have to receive permission from each original source? If it is nonprofit education...
by ataloss
Tue Jul 02, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Use of Copyrighted Materials for On Line Presentations?
Replies: 9
Views: 755

Re: Body by Science Workout

when I switched to a bbs program I ended up decreasing my weights significantly. 50% in some cases. OTOH the goal is to fatigue the muscle not to move the larges amount of iron. Slowing down makes the lower weights very challenging. I think this has got to be better on aging joints and tendons.
by ataloss
Tue Jul 02, 2013 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 230
Views: 22276

Re: Page Plus Versus Republic Wireless - Who's Better?

I don't understand the distinction you are making between page plus wireless and cellular. Anyway, here is a url from page plus cellular showing the roaming charges for one of the plans (scroll down to the grid) https://www.pagepluscellular.com/plans/the-12/ roaming charges are lower with the $30/mo...
by ataloss
Tue Jul 02, 2013 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3494

Re: Page Plus Versus Republic Wireless - Who's Better?

the thing i don't understand about page plus is the $0.29 / minute roaming charge. Where in the US would I be roaming out of verizon/page plus range?
by ataloss
Tue Jul 02, 2013 6:02 am
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 3494

Re: Bicycle touring with wife on a tandem

RIP Sheldon Brown
by ataloss
Sun Feb 24, 2013 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Bicycle touring with wife on a tandem
Replies: 3
Views: 619

Re: Dishwasher Recomendations

When our lousy GE gave out after 5 years I installed a Kenmore that lasted 3 years. Finally went with a Bosh. Quieter and no problems in 8 years.
by ataloss
Sat Feb 16, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher Recomendations
Replies: 7
Views: 525

Re: Lexus RX 300. Timing belt. $884.

The usual rationale for replacing the water pump is that it is a cheap part but the labor to get to it is expensive. Doesn't make as much sense to me when they are charging $183 for the part. 40 plus years of driving, mostly older cars and no water pump problems yet.
by ataloss
Sat Feb 16, 2013 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 5198

Re: The perfect Boglehead car

1. The car should have a depreciation curve that falls steeply in the first few years, and then levels off.


that was my criteria until I realized that there was a good reason for the rapid depreciation. I couldn't find a car in that group that I would be willing to own
by ataloss
Fri Feb 08, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 8112

Re: Why would anybody use Turbotax?

TT was the one that did my foreign tax credit correctly a couple of years ago. Also free. :D
by ataloss
Wed Feb 06, 2013 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 11050

Re: How Can I Tell If My Dentist is Good One?

Hygienist friend told us our current dentist is good. Although she may not be able to evaluate as thoroughly as another dentist I am assuming she can tell ok to good from bad. :D
by ataloss
Fri Feb 01, 2013 11:59 pm
 
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 8308

Re: Replacing a car radio

I have also used Crutchfield and saved some money but if you shop around you might do nearly as well with an installer.
by ataloss
Sun Jan 27, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a car radio
Replies: 12
Views: 842

Re: How good is vanguard website security?

Although someone suggested that Vanguard Reps allow unlimited security guesses, this isn't my experience. I forgot that I changed to false answers. :oops:
by ataloss
Sun Jan 27, 2013 10:51 pm
 
Forum: Personal Consumer Issues
Topic: How good is vanguard website security?
Replies: 108
Views: 12317

Re: Is this a correct way of evaluating TIPS valuations?

Will you be satisfied with holding the longer terms TIPs to maturity? You are assured a modest real return. If real returns rise, you could see capital losses. Of course if you hold to maturity you don't care. I am expecting increased nominal and real interest someday :wink:
by ataloss
Mon Jan 21, 2013 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Is this a correct way of evaluating TIPS valuations?
Replies: 16
Views: 1060

Re: Are Bogleheads having less fun?

“Saving too much money leads to a sense of nostalgic regret from a rocking chair in front of a crackling fire with a dog at your feet and a snifter of brandy at your side. Not saving enough money leads to pushing a shopping cart holding all your possessions down a wintry street and sleeping in doorw...
by ataloss
Mon Jan 21, 2013 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Are Bogleheads having less fun?
Replies: 70
Views: 5523

Re: Thinking of moving to Switzerland

I pretty much know, for a reason I cannot publicly say


a mystery! Switzerland is a nice place to visit. In terms of intervention the foreign policy seems to be the exact opposite of the US.
by ataloss
Thu Jan 17, 2013 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of moving to Switzerland
Replies: 60
Views: 3384

Re: Moving GNMAs to Total Bond or even Tax Exempt Munis?

I understand the rationale for a total stock market fund but don't see why someone would want to own a total bond fund.
by ataloss
Wed Jan 16, 2013 6:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving GNMAs to Total Bond or even Tax Exempt Munis?
Replies: 25
Views: 2691

Re: Any reason to buy TIPS?

So I sold the 6 2/3 % of my portfolio that was in TIPs with a 2017 maturity keeping some shorter term tips. Time will tell if this was a good idea but I anticipate higher nominal and real returns in the future so I am going with short maturities for now.
by ataloss
Tue Jan 15, 2013 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason to buy TIPS?
Replies: 44
Views: 4108

Re: Gus Sauter Worried About "Bond Bubble"

bonds are not cheap but if he has has some good ideas about how to react it would be nice to hear them.
by ataloss
Tue Jan 15, 2013 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Gus Sauter Worried About "Bond Bubble"
Replies: 20
Views: 3021

Re: Bond Funds - Taxable Investment Account - Good Idea?

Again, from what I have garnered (I could be vastly mistaken), if you put bonds in taxable now, they might be fine there for the next 20 years, no problem a la Japan. I'm hoping another bump will get the attention of someone with real experience and insight to educate us. Livesoft posted the link t...
by ataloss
Mon Jan 14, 2013 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Funds - Taxable Investment Account - Good Idea?
Replies: 10
Views: 1019

Re: Any reason to buy TIPS?

"I am unwilling to incur the regret of having not realized current gains on TIPS and be sitting there locked into negative real returns while rates are rising." In 2007 my plan was to accept the small guaranteed real return (about 2.375) and hold the Tips to maturity while basically forge...
by ataloss
Mon Jan 14, 2013 6:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason to buy TIPS?
Replies: 44
Views: 4108
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