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Re: Help me find a good slow cooker

Zojhirushi. I'm not familiar with their slow cooker, but I have nothing but praise for their rice cooker, and I have the sense that that kind of quality reflects a company's commitment. Same here. My only concern is even on low it cooks extremely hot. The one I have works but maybe yours is defecti...
by cleosdad
Sat Apr 19, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1517

Re: Help me find a good slow cooker

Thanks you two. Any others with ideas? Thanks I have a large Crock Pot that I bought on sale at WalMart for $20. It's big. Works really well. No need to buy an expensive slow cooker. This is the one. $20 https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQJe12ALSrQV8b9G9q3QEx35tEBGvr6NCSV5Dit2mp...
by cleosdad
Fri Apr 18, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 1517

Re: The Finance Buff uses a Vanguard Planner.

No mention of the new International bond fund they are recommending? abuss, I have a free plan scheduled next Monday evening. Yes they are recommending the international bond fund. Interesting. Please stop back and share your experiences. Thanks. abuss, sorry I forgot about this. I reviewed my plan...
by cleosdad
Tue Apr 08, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3634

Re: Vanguard Financial Planning Service ?

Bogleheads: Harry Sit, editor of The Finance Buff, decided to investigate Vanguard's Financial Planning Service by actually subscribing. These four links relate his experience and his conclusion: 1. Vanguard Financial Plan Review: The Questionnaire 2. Vanguard Financial Plan Review: The Plan. 3. Va...
by cleosdad
Tue Apr 08, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Planning Service ?
Replies: 8
Views: 1693

Re: The Finance Buff uses a Vanguard Planner.

abuss368 wrote:No mention of the new International bond fund they are recommending?

abuss, I have a free plan scheduled next Monday evening. Yes they are recommending the international bond fund.
by cleosdad
Wed Apr 02, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3634

Re: homeowner's insurance up 20+%

I have had Amica for nearly 20 years. This year the homeowner's insurance premium at renewal will increase 20+%. Amica consistently ranks highest with Consumer Reports ratings. They are #1 for homeowners insurance for the most recent ratings. They are tied for #2 for auto insurance for the most rec...
by cleosdad
Tue Mar 25, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: homeowner's insurance up 20+%
Replies: 11
Views: 938

Re: Should I contact ins. co. about possible homeowners clai

Because home owner rates are so high and only offered by a few companies in south Florida I am paranoid about submitting homeowner claims to my insurance company. See: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=94417 We did not submit a claim in that instance and never have. We just f...
by cleosdad
Wed Mar 12, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Should I contact ins. co. about possible homeowners claim?
Replies: 5
Views: 719

Re: Risk in Mailing Check

If you do mail a check, do not put it in your mailbox for pickup by mailman. Thieves often steal outgoing mail from boxes. What they are looking for are checks. They can then produce checks with your account number and write them at will. Instead of putting check in your mailbox, take your outgoing...
by cleosdad
Sun Mar 09, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1604

Re: Risk in Mailing Check

If you do mail a check, do not put it in your mailbox for pickup by mailman. Thieves often steal outgoing mail from boxes. What they are looking for are checks. They can then produce checks with your account number and write them at will. Instead of putting check in your mailbox, take your outgoing...
by cleosdad
Sat Mar 08, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1604

Re: Thinking about Amica Insurance

I've been with Amica 38 years. I've had 2 claims (1 auto 1 hail). The customer service is superb. I wouldn't think of switching. Jake46, Let us know if your premiums have changed. I just got our Amica homeowners and it is going up 19% in April and I live in Littleton away from fire damage. I know w...
by cleosdad
Fri Feb 28, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about Amica Insurance
Replies: 10
Views: 785

Re: Pay Stub question- HSA

on my most recent paystub, (we have a payroll provider now) their is a new line in deductions for HSA. in addition to the deductions for cost of the insurance and my contribution to the account, there is a deduction for the equal amount of what the company contributes to the account. Is this normal...
by cleosdad
Fri Feb 28, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Stub question- HSA
Replies: 7
Views: 619

Re: Book/Subject Recommendations

IMO the best finance book around today in terms of explaining modern financial theory is Expected Returns by Antti Illmanen Would add The Physics of Wall Street and the Success Equation as worthy reads And for behavioral finance there's Your Money and Your Brain (and there's a lot about behavior in...
by cleosdad
Thu Feb 20, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Book/Subject Recommendations
Replies: 16
Views: 1056

Re: Drive to CO Skiing in 2WD Minivan?

2WD, whether front or rear, is not adequate to get to Colorado ski resorts (or any ski resort for that matter) while it is snowing and for 3-6 hours afterward while roads are being cleared and salted. That is a ridiculous statement, The mountains are getting hammered right now. We are planning on g...
by cleosdad
Mon Feb 10, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 1873

Re: Drive to CO Skiing in 2WD Minivan?

I live in Denver and generally drive to Breck once a week to ski so I can cherry pick the days to drive. Your question is totally dependent on the weather. Well over half the days you would be just fine but there are a number of days you just won't be able to make it, at least safely. As long as yo...
by cleosdad
Sun Feb 09, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 1873

Re: Is 60/40 really the gold standard?

I would say if there is a gold standard, then 60/40 would be it, all comers, all ages, etc. I am not saying its wonderful per se , but its the one I would pick if I had a gun to my head to recommend to everyone. Its what the 4 percent SWR rate is based on. Its conservative. For the average person, ...
by cleosdad
Fri Feb 07, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 really the gold standard?
Replies: 35
Views: 5214

Re: Is 60/40 really the gold standard?

Correct me if I am wrong but I believe the 4% SWR is based on a 50/50 split. Tim It isn't that simple. Stock/bond allocations between maybe 30/70 and 100/0 are all pretty similar in success rate at withdrawal in the the 4% range. Trying to withdraw at higher rates starts to have significant failure...
by cleosdad
Thu Feb 06, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 really the gold standard?
Replies: 35
Views: 5214

Re: Is 60/40 really the gold standard?

I would say if there is a gold standard, then 60/40 would be it, all comers, all ages, etc. I am not saying its wonderful per se , but its the one I would pick if I had a gun to my head to recommend to everyone. Its what the 4 percent SWR rate is based on. Its conservative. For the average person, ...
by cleosdad
Thu Feb 06, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Is 60/40 really the gold standard?
Replies: 35
Views: 5214

Re: Thoughts on putting emergency funds into vanguard muni f

I am with freebeer. I don't think real emergencies come in increments of $5,000, $10,000 or exactly 6 months of expenses. If a 5% decline in the NAV of a muni bond fund is a deal breaker, just bump up the emergency fund by 5% :D The flip side of "suppose the NAV is down when you need to sell&q...
by cleosdad
Thu Feb 06, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on putting emergency funds into vanguard muni fund
Replies: 20
Views: 1841

Re: How to security freeze your credit?

TIP: before freezing your credit, go to the Social Security web site and set up an account. Experian manages the job of authenticating people signing up for a My Social Security account, and for some reason they can't figure out how to overlook a credit freeze THAT THEY HAVE BEEN PAID TO SET UP. SS...
by cleosdad
Sun Jan 26, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1094

Re: Jack Bogle: We Need to Fix the Bond Index

Is Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) the solution to the stated problem? I wish people would respond to this as it is the fund we use. Thanks. Tim Please see Jack Bogle's eBlog website. There is a section entitled "Ask Jack" where he discusses this exact qu...
by cleosdad
Wed Jan 08, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 77
Views: 7157

Re: Jack Bogle: We Need to Fix the Bond Index

Is Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) the solution to the stated problem? I wish people would respond to this as it is the fund we use. Thanks. Tim Please see Jack Bogle's eBlog website. There is a section entitled "Ask Jack" where he discusses this exact qu...
by cleosdad
Wed Jan 08, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 77
Views: 7157

Re: Jack Bogle: We Need to Fix the Bond Index

columbia wrote:Is Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) the solution to the stated problem?

I wish people would respond to this as it is the fund we use. Thanks. Tim
by cleosdad
Wed Jan 08, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We Need to Fix the Bond Index
Replies: 77
Views: 7157

Re: Stocks and bonds placement in retirement

Victoria, I am retired federal. Next year at 65 I plan to take Med.B. If I wait I will be penalized 10% every year since I am retired. I expect to pay around 104.00. I don't know where that 2 to 4 times amount comes from. From what I know my federal plan will not reduce the cost of Med. B. Tim Than...
by cleosdad
Mon Dec 02, 2013 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and bonds placement in retirement
Replies: 38
Views: 2182

Re: Stocks and bonds placement in retirement

Another thing to think about is if you have a lot of income at 63 there is a two year look back for Medicare B and D fees. Some will have to pay 2 to 4 times the cost of these insurances than lower income Medicare users. If you don't take these options at age 65 then you will have to pay some addit...
by cleosdad
Mon Dec 02, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and bonds placement in retirement
Replies: 38
Views: 2182

Re: Average cost to refinish hardwood floors?

Yipee, I finally get to correct sscritic. The (little wood things) are actually called base shoe. There are two types of moldings that you can install on your floors up against your baseboards once your hardwood floors are laid. ... The first type is what is called quarter round. ... The second typ...
by cleosdad
Wed Nov 27, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Average cost to refinish hardwood floors?
Replies: 16
Views: 1475

Re: Average cost to refinish hardwood floors?

:: They'd put in the little wood things at the bottom of the baseboards once the carpet is ripped up. Basically just connecting the baseboards to the, now lower, flooring. :: Refinishing the 1000 SF plus the 700 SF of, already exposed, carpet area in one of the bedrooms, kitchen, and hallway. I wou...
by cleosdad
Wed Nov 27, 2013 11:27 am
 
Forum: Personal Consumer Issues
Topic: Average cost to refinish hardwood floors?
Replies: 16
Views: 1475

Re: junk mail auto-readdressed during change of address

In all the years I have been receiving mail, I was never once confused about who the current resident was. Before I lived there, I wasn't the current resident; after I lived there, I wasn't the current resident; but while I lived there, I was. Seemed pretty simple to me. SS, I don't know what you j...
by cleosdad
Mon Nov 11, 2013 1:01 pm
 
Forum: Personal Consumer Issues
Topic: junk mail auto-readdressed during change of address
Replies: 35
Views: 1758

Re: junk mail auto-readdressed during change of address

Calm Man, Think about it. You are the Current resident. I carried for 31 years and was required to deliver that mail. Junk mail does not get returned to sender because not enough postage has been paid for returns. In all the years I have been receiving mail, I was never once confused about who the ...
by cleosdad
Mon Nov 11, 2013 12:46 pm
 
Forum: Personal Consumer Issues
Topic: junk mail auto-readdressed during change of address
Replies: 35
Views: 1758

Re: junk mail auto-readdressed during change of address

I live in an apartment complex and over 5 years have had 4 or 5 "main" mail carriers. I absolutely cannot get him/her to stop delivering mail to "Current resident" at my address. He/she does admit when I approach them that I should not be getting mail to my address with the addr...
by cleosdad
Mon Nov 11, 2013 12:11 pm
 
Forum: Personal Consumer Issues
Topic: junk mail auto-readdressed during change of address
Replies: 35
Views: 1758

Re: Vanguard Announces Fee Cuts, Fund Mergers

sscritic wrote:No, the last time was last Wednesday, three days ago. If you read bogleheads, you will see it mentioned in several threads, the first being from last Wednesday.

Boy have I missed you.
by cleosdad
Sat Oct 19, 2013 10:38 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6678

Re: Car Wax

Do folks still use wax when they have a clear coat? Just curious As a rule, no----IMHO, it doesn't do all that much to protect/increase the value of a vehicle; I'd much rather spend my time doing something else. Respectfully disagree. I use Meguiars regularly on our 2001 Jeep and 96 4Runner. I am c...
by cleosdad
Sun Oct 06, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 2757

Re: Car Wax

Do folks still use wax when they have a clear coat? Just curious As a rule, no----IMHO, it doesn't do all that much to protect/increase the value of a vehicle; I'd much rather spend my time doing something else. Respectfully disagree. I use Meguiars regularly on our 2001 Jeep and 96 4Runner. I am c...
by cleosdad
Sat Oct 05, 2013 11:07 am
 
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 2757

Re: Any Jeep enthusiasts? They seem to retain their value

I've always kicked around the idea of getting a Jeep. The other day I saw a 2013 Jeep Rubicon 10th Anniversary Limited Edition, and now I've got Jeep fever. After doing some research, I was surprised to see how much they cost and how much they retain their value. It's not uncommon to see Jeeps with...
by cleosdad
Thu Sep 19, 2013 10:07 am
 
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 18
Views: 1692

Re: Federal Retirees: Why Medicare?

Both Part B and FEHB premiums are significantly subsidized. So while duplication and other unneeded coverage may be present, the excess cost for that would have to exceed the net cost after figuring in the subsidies. In fact they do attempt to coordinate and expand benefits for people carrying both...
by cleosdad
Fri Sep 13, 2013 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 5821

Re: Yelp

Euclid Hall is a German beer and sausage kind of place, Rioja is a pretty cool wine and tapas place, 8 Rivers for Jamaican Also the usual suspects, Mortons, The Chop House. Wynkoop. Its a Brewpub 8 Rivers closed months ago. The Broker is crap. While the bank vault setting is cool, the food and serv...
by cleosdad
Mon Sep 02, 2013 10:53 am
 
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 2191

Re: Countertop made from remnant slab?

Very interesting, Hayden. Did you have the granite facility install it for you as well? We used the same place H.D. uses here in Denver. We took our measurements and picked out a remnant. They came and used a laser to confirm the size. They also sold sinks so we had them install everything but the ...
by cleosdad
Tue Aug 20, 2013 10:37 am
 
Forum: Personal Consumer Issues
Topic: Countertop made from remnant slab?
Replies: 11
Views: 1027

Re: Clearing car "Check Engine" light

I can clear my Camry light by a particular sequence of the ignition and holding down the odometer button. Google your model, there may be something similar. Beats messing with the battery or fuses. Usually it is after my wife gets gas, so like others have mentioned,a gas cap issue. Although it coul...
by cleosdad
Mon Aug 12, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 40
Views: 3314

Re: VG Int-Term Bond [Index] vs Total Bond [Index]

For domestic bonds, it appears that the Int-Term Bond fund has done a little better than the the Total over every period. I know they're going on the premise of suggesting the most broadly diversified funds as a rule, but I'm having trouble seeing any real downside risk to the Int-Term Bond fund. A...
by cleosdad
Sat Aug 03, 2013 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Int-Term Bond [Index] vs Total Bond [Index]
Replies: 6
Views: 875

Re: Expensive repairs on an old car. Opinions?

Update: I found a receipt for the timing belt change in 2008 at 85k miles, and thus I don't need it for two more years. An estimate for a complete front axle assembly on both sides is $437. I will do it at my earliest convenience. My Civic and I thank you all, Victoria Good for you.I doubt you will...
by cleosdad
Wed Jul 24, 2013 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Expensive repairs on an old car. Opinions?
Replies: 76
Views: 2668

Re: Expensive repairs on an old car. Opinions?

I had a similar situation about 5 years ago. I owned a 96 Honda Civic, and had cracked CV boots. Had both sides replaced and also replaced the timing belt about a year later. I believe that cracked CV boots are fairly common, so I wouldn't consider it a sign that the car is on its last legs. If you...
by cleosdad
Wed Jul 24, 2013 11:49 am
 
Forum: Personal Consumer Issues
Topic: Expensive repairs on an old car. Opinions?
Replies: 76
Views: 2668

Re: [Poll] What's Your Current Mode of Camping?

Do Bogleheads go camping? I'm interested not only in your current mode of camping, but also why you selected the particular equipment you use. What specific features of your current camping equipment and setup do you like or dislike? Do you have recommendations for others? Feel free to include a sm...
by cleosdad
Sat Jun 29, 2013 11:05 am
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6419

Re: FERS or CSRS Offset choice - federal employee

You are right, the figures for Soc. Sec. are listed as: $7,332 under FERS or $3666 under CSRS Offset (at age 62); my S/S would be reduced by the CSRS Offset. So it seems to boil down to FERS: $15,420 + 7332 s/s = $22,752 plus $191,900 in the TSP. -OR- CSRS Offset: $26,663 + $3666 = 30329 plus $128,...
by cleosdad
Fri Jun 07, 2013 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: FERS or CSRS Offset choice - federal employee
Replies: 22
Views: 1190

Re: FERS or CSRS Offset choice - federal employee

Babsy wrote:Yes, I have been paying into Soc. Sec. the last 19 years (plus other non-federal work history), so unlike regular CSRS, I will receive Soc. Sec. either way.

Babsy, WEP may come into play.
by cleosdad
Fri Jun 07, 2013 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: FERS or CSRS Offset choice - federal employee
Replies: 22
Views: 1190

Re: Hardwood floor preparation

Hardwood floor sanding and refinishing has come a long way over the years. I would be looking for someone who has the proper knowledge and equipment. The manufacturer Bona will list those that have achieved the Certified Craftsman designation on their website. This is a good source for everything i...
by cleosdad
Mon Jun 03, 2013 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hardwood floor preparation
Replies: 8
Views: 1070

Re: roof damage.

I would call several roofing companies to come out and check before you even think about talking to your insurance agent. If there is no damage then I would not file a claim by having them send out an adjuster. All the roofing companies should send someone out to check your roof and provide an esti...
by cleosdad
Thu May 30, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: roof damage.
Replies: 10
Views: 1018

Re: Runners Knee...new shoes, orthodics, what?

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...
by cleosdad
Thu May 23, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 2242

Re: Interstate Moving Company - Experiences

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 ...
by cleosdad
Fri May 03, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 1456

Re: Best way to mulch yard?

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...
by cleosdad
Mon Mar 18, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Best way to mulch yard?
Replies: 26
Views: 2217

Re: Best way to mulch yard?

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...
by cleosdad
Sat Mar 16, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: Best way to mulch yard?
Replies: 26
Views: 2217

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

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. ...
by cleosdad
Sat Feb 16, 2013 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 5208
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