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Thanks for all the replies! :) First off, I should note that running is only supplemental to my exercise routine. I've been working with primarily bodyweight circuits of different types and really enjoying those. In addition to these I also walk (power walk) 5-6 days a week and try to go for a ligh...

I'm glad to see so many people are happy with the ABF U-Pack move. I hope to move across the country this year and have been considering ABF. I did not know they would help you find people to load/unload the truck - very happy to hear this since a long distance move could result in a lot of damage ...

Here in Denver my local landscape yard lets me pull up to the bin and fill my own lawn bags with fresh mulch. Six 36 gallon bags equal 1 yard @ $32 dollars. I put them in our suv and carry them to any spot I need. I used to do the same thing in St.Louis. Spring is right around the corner. Tim Somet...

In the past, I have just made a couple trips to Lowes and loaded up with some bags of Scott's mulch at $5 per 2 cu ft . This probably cost me around $100-$120 total . It seems like there should be a better option. Any ideas? Limitations: I don't have a pickup truck. I do have a Honda CRV, so I gues...

During my oil change yesterday, the local Toyota Dealer told me my 06 4Runner had a leaky water pump. Only has 56k miles on it, but is a 6.5 year old car. They quoted me $750 for the water pump and timing belt (since they would already be in there). I'm going to check around and see about pricing. ...

Bustoff wrote:Another helpful Vanguard tool.
https://personal.vanguard.com/us/insights/investingtruths/investing-truth-about-risk

These are all very good responses. If this has not been asked before is this the Bustoff from the Three Stooges?

This does not look excessive. Do it and you'll never have to do it again for this car. I agree that it is not excessive, but never say never! I'm on my 3rd timing belt. (98 4Runner, 190K, still running strong) I agree. We have a 96 4Runner with 201,000 and on third belt. We always replace everythin...

I've used Behr's with primer and primer plus Behr's paint. I would go with the latter, primer plus Behr's - have had much better results using the two step process. The paint plus primer didn't seem to have the same consistency of the two step process. Still, found the Behr's to be of very good qua...

It is Kerdi and the manufacturer states only drywall is needed. Exactly, blue or green or white for that matter. Tom Silva and those on his show are pros. When they use it, I would be confident that they would do it correctly without any leakage. I would not be as conifdent in my own abilities to e...

... I used the preformed shower pan and Kerdi sheeting over blue board which is code approved. I may be wrong but I was told that green board is no longer up to code. Good luck You used a topical waterproofing method. Kardi sheeting prevents water from getting to your blue board. So in theory, any ...

... I'll be using a fiberglass pan for the shower floor. ... I plan to use a vapor barrier behind the cement board for the shower walls but I'm looking at RedGard instead. The idea behind this change is that I can put a layer down on the "dry" areas of the bath as well. To overthink it, y...

http://www.stltoday.com/business/columns/david-nicklaus/after-books-larry-swedroe-thinks-passive-investing-is-winning/article_7f738ad7-f9f9-5180-ade5-c72b518f25c8.html I thought you would find this article in our local paper today. It's an interview I did with a local reporter who is actually one o...

Sorry if this is old news but I saw an article in U.S. News and World Reports that Solin was with Larry's firm. Here is Larry's post from Wednesday, January 9th. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=108601&p=1577964#p1577964 Springman, LDNAL, Thank you for answering. I was b...

Sorry if this is old news but I saw an article in U.S. News and World Reports that Solin was with Larry's firm.

A month ago, trying to get around in the woods with my old Bronco, I realized that I missed my Wrangler which I sold 10 years ago. The old 78 Bronco I had just wasn't the same. Nothing like the agility and mobility of a Wrangler. So I just got rid of the Bronco and picked up a 1999 model with the 4...

Example $100 at 2%=$2 if rates rise Now you have $50 at 4%=$2 You get same payment but have less capital John That's incorrect... you get MORE payment and NOT 50% drop in price. ⋅ Every 1% increase in rates = drop in price equivalent to duration . ⋅ IF above bond's duration is (...

.... However, in my book, bottom line is that if you can't invest through Vanguard you're getting screwed. I don't think folks using the TSP have the same book or bottom line as you do. :) The TSP is not a 401k. Sure it is, for all intents and purposes. It's the defined contribution plan for non-CS...

Everything needs maintenance: cars, floors, countertops. For floors, if you drop stuff on wood it dents, tile will crack; spill liquids, and tile is better than carpet and wood. Just wait until the upstairs bathroom floods and leaks large amounts of water onto your downstairs floors: wood warps, ca...

Co13, I and most of my subdivision have 50 year Presidential triple layer shingles. I am in S.W. Littleton and we were hit by hail on June 6. I am on the HOA board and you would be surprised how many roofs are being replaced. My insurance adjuster was here yesterdayand told me I was okay but my nei...

My insurance company gives a discount if you have hail resistent shingles on your roof. The insurance company even has a list on their web site of manufacturers and model numbers for the hail resistent shingles. This applies to my insurance company in my state. YMMV. Jeff Same here. My insurer is p...

^ All fees and taxes at 11 cents, base is .046 on the first 500kw. Base means very little to me, the adders and fees are the larger portion. edit to add: In your case the .046 x 274kw = $12.60 , I bet with taxes and fees the electric portion is more like $25-$30. Base means more to me, the less you...

Electric....4/24/12 to 5/23/12 , 641kw at 11 cents per, $69 Gas.................................., 19 therms at $1.10 per, $22 A 2000sf home and the per includes all fees and taxes for a total bill of $91. Steve, I live in S.W. Littleton Co. My bill from Xcel 4/2-5/2 was electric 274kwh@ 0.046 and ...

Is this "Rachel," by the way? I get a lot of calls from Rachel from Card Services. I used to get regular calls from "the chimney service" but that does seem to have stopped. I've given up. I don't know what to do other than hang up. After exploring various alternatives that's th...

... I don't think that they are the absolutely cheapest auto insurance we could have, but it's pretty close with the dividend that they pay. And the service makes it 100% worth it for me. What dividents, may I ask? I like them very much but I am not getting any dividends from them I have homeowners...

I've moved long-distance several times over the years using different approaches and my best experiences have been when I packed smaller belongings myself and hired people to help with the truck loading. "Full-service" movers have lost belongings for me both times I used them. For the tru...

If by social security restution you mean the payback option where you can pay back everything you have received and take SS later, forget it. That option has been eliminated. You can't do it anymore. I believe that is incorrect. You say she is 63 and took s.s. at 62. I thought you had a one time op...

If by social security restution you mean the payback option where you can pay back everything you have received and take SS later, forget it. That option has been eliminated. You can't do it anymore. I believe that is incorrect. You say she is 63 and took s.s. at 62. I thought you had a one time op...

If by social security restution you mean the payback option where you can pay back everything you have received and take SS later, forget it. That option has been eliminated. You can't do it anymore. I believe that is incorrect. You say she is 63 and took s.s. at 62. I thought you had a one time op...

Whoa! Total International Stock Index Admiral has a dividend of ~2.8%. I guess for the first time I will receive a 4 figure dividend! It seems insanely huge! kd, are you sure that is correct? I see TISM admiral at 0.67. The 2.8 is for institutional I believe. Yes, I am talking about TISM. It is $0....

kd2008 wrote:Whoa! Total International Stock Index Admiral has a dividend of ~2.8%. I guess for the first time I will receive a 4 figure dividend! It seems insanely huge!

kd, are you sure that is correct? I see TISM admiral at 0.67. The 2.8 is for institutional I believe.

All, Anyone recently purchased any dishwashers they have been happy or displeased with? What are some of the features you have added to the "must have" list next time you will be buying a dishwasher. Any input is welcome, so far I think Bosch might be our number one but some KitchenAid an...

The 8% bonus applies to your PIA after your FRA of 66. If 190 is your age 62 benefit, then your PIA is about 253. You would get about 202 at 63, 219 at 64, and 236 at 65. The 8% bonus starts after age 66, and would take you to 334 at 70. You would have several years of COLAs to add to these figures...

The "break even" age calculator that they have or had was tragically flawed, anyway. It simply did the calculation in terms of nominal dollar totals, ignoring inflation and the time value of money... and made the goofy assumption that your goal is to collect the largest number of dollars ...

This link describes various interesting studies regarding the psychology of selecting the age to claim SS benefits. And the SSA is using some of the results of the study, one of which is to eliminate the use of the term "break even" age. It's a long article, but you might find parts of it...

I currently have 225/75R15 tires on a small Toyota 4x4 truck I use for mostly local driving & some use on the beach. Right now, Walmart has some 235/75R15 tires on sale and I thought I would get a set of those. (The same brand tire in 225 size is NOT on sale at this time). Problem is that the w...

I have always wondered about the history of the structure of the TSP. The TSP turned out to be one of the lowest cost and best deals ever. In addition to prevent meddling by political employees was the index fund selected because of low costs and provide a way to buy the total capital market? Was t...

You can still get bikes made by a "Schwinn". Richard Schwinn is still in the bike business building Waterford Bikes in Waterford Wi. A great american built product. Al You are right. My wife is out riding her Waterford.now.We both ride the same size bike and I would rather ride her steel ...

04 4 runner? 4 wheel disc brakes from what I can tell at edmunds http://www.edmunds.com/toyota/4runner/2004/features-specs.html?sub=suv&ps=used&style=100336286 ataloss, I don't know if you are asking me but we own a 1996 4Runner. I am now going to watch my Cardinals try to beat the Phillies.

I don't want to argue with you, but the reality is that most manufacturers recommend brake fluid changes for the reason I mentioned. Ignoring that service recommendation and spending money on other wear items does not negate the need to change it, if it is recommended by the manufacturer. Mechanics...

I don't want to argue with you, but the reality is that most manufacturers recommend brake fluid changes for the reason I mentioned. Ignoring that service recommendation and spending money on other wear items does not negate the need to change it, if it is recommended by the manufacturer. Mechanics...

And make sure that you are changing your brake fluid at the interval prescribed in the car's owner's manual. Hmmm, had not even given that a thought! Just my opinion, I have never changed my brake fluid and probably never will. Like I mentioned my wifes 96 4Runner has 189000 and we expect to get 25...

And make sure that you are changing your brake fluid at the interval prescribed in the car's owner's manual. Hmmm, had not even given that a thought! Just my opinion, I have never changed my brake fluid and probably never will. Like I mentioned my wifes 96 4Runner has 189000 and we expect to get 25...

And make sure that you are changing your brake fluid at the interval prescribed in the car's owner's manual. Hmmm, had not even given that a thought! Just my opinion, I have never changed my brake fluid and probably never will. Like I mentioned my wifes 96 4Runner has 189000 and we expect to get 25...

retiredjg, I was a mechanic years ago so I will try. If you do indeed have rear brake shoes and a drum versus pads and rotor taking off brake drum is only way to inspect wheel cylinder. You could then tell if it is leaking. I never had to apply pressure. I cannot comment on the mechanic but if it i...

Makes sense to me. So I guess you are voting for incompetent or lazy. :lol: Anybody want to vote for the problem was so small at the time, a good mechanic might have taken reasonable steps and not found the problem ? Or, everybody has a bad day and could miss something ? I do have one question, kln...

My wife and I blew in cellulose last year in our attic. It is a tough job but our energy bills did decrease plus we got a tax credit such that the installation cost was minimal. We also made/installed an attic hood which significantly decreased the temperature of the ceiling so I assume contributes...

Construction is going on nearby and we have a big problem with ground Moles moving into our propery.Looking for suggestions on getting rid of them in our yard. Have tried many ideas found at local hardware, mole poison worms, filling mounds with water, spraying with castor oil, traps (not easy to s...

Has anyone ever bought a grill online? I am looking at Weber's E-620. Local prices are out of control. How was the experience, shipping, etc. Can you recommend a site? Bob I too bought a Weber Genesis grill online from amazon. Delivered to my door and no shipping or sales tax. Perfect and am using ...

cleosdad - Yes, you are running enough. All I run is MSE. The other Malwarebytes is optional, but a lot of people like to use it and it couldn't hurt. I may run Malwarebytes occasionally, but not on a regular basis. As for ccleaner, I find it handy to clean up my registry and see what's in my start...

Once every week or two I'm going to run MS Security Essentials, Malwarebytes, CCleaner, and the disk defragmenter. So far it seems to be running pretty well. Much quicker than before. As for the mouse, I think the problem is the left button. If I click it extremely hard, it works fine. The same for...