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Re: Recommendations for red oak hardwood sealer?

Toxic (either you are not living there or not worried about the smell)- Glitsa Multikote Pretty bomber- make sure to use proper applicator, holds up well, your brain will wonder what happened, floor looks good, more time to dry between coats, and more time until you can use the space Low Toxic Bona...
by cleosdad
Mon Jul 21, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for red oak hardwood sealer?
Replies: 4
Views: 376

Re: america the beautiful national parks and lands pass

Good strategy. OP doesn't state his age, but if he's nearing 62, he'll be eligible for a $10 lifetime pass, so that may need to be considered as well. The senior pass is one of the best bargains that I've ever run across. Perhaps the best strategy is to go to tons of them as a kid (free until 15), ...
by cleosdad
Mon Jul 14, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3537

Re: america the beautiful national parks and lands pass

If you were "supposed" to buy a pass they'd ask for it on the way out. Or leave a box saying "leave your $25 here and leave the pass on your windshield." (lots of fee areas work this way.) Or a sign saying, "Nobody here right now, please pay on your way out." None of t...
by cleosdad
Sun Jul 13, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3537

Re: america the beautiful national parks and lands pass

I spend a lot of time in the National Parks. Here's a little known secret. You don't need a pass to get in. I'm not kidding. All you need is the willingness to either arrive before or after dark. They don't man those booths 24/7. I bet I only pay about a third of the time. Since the pass went up fr...
by cleosdad
Sun Jul 13, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 59
Views: 3537

Re: Best Kayak Trailer

I will be interested to see if this thread has legs. I am 64 and lift a 50 fishing pound kayak on top of a full size passenger car and get the job done though I sometimes wish it weighed a bit less. However, I am finding myself lusting for a larger and heavier kayak that I know that I couldn't get ...
by cleosdad
Wed Jul 02, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Best Kayak Trailer
Replies: 7
Views: 538

Re: Best Kayak Trailer

I'm looking for the best kayak trailer to pull behind my truck. I'm 62 now and putting them on top of the truck has become more difficult. I've looked at several and will be buying one that folds for storage when not in use. The Yakima Rack and Roll has good reviews but I wanted to know if any bogl...
by cleosdad
Wed Jul 02, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Best Kayak Trailer
Replies: 7
Views: 538

Re: 2013 RAV4 design flaws

Latest Consumer Reports summary rates Honda CRV transmission much better than average for the last 6 years. The Honda CRV is a recommended "buy". RAV 4 is not a recommended "buy" due to insurance evaluation of safety failure for offset collisions. Also notes "cheap" in...
by cleosdad
Fri Jun 20, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1641

Re: 2013 RAV4 design flaws

My wife and I looked at both the Toyota RAV4 and the Honda CRV last year. We ending up buying the Honda CRV and a very satisfied with it. Reasons for choosing the Honda CRV: - Very solidly built car with an adequate engine. RAV4 seemed cheap and flimsy. Lots of engine noise due to undersized engine...
by cleosdad
Thu Jun 19, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1641

Re: Peppy V6 With Good Fuel Economy

As others have indicated. Your problem is not the 4-cyl engine. It is the 1992 technology. Test drive a newer Honda or Toyota and you will be amazed at the difference. Jeff Totally agree. This coming from an old gear head who raced muscle cars. Just got back yesterday from Frisco Co. Driving wifes ...
by cleosdad
Sat Jun 14, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2968

Re: Another two-comma club member

Comma comma comma comma ca comma comma, yeah, yeah, yeah, yeah, yeah! Nothing like a little Jimmy Jones to get your morning started. Did I see a thread where someone asked for a handyman recommendation? https://www.youtube.com/watch?v=CKpbNvDg6zY Thanks, I was wondering who sang that song. Now it w...
by cleosdad
Tue Jun 10, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3346

Re: What are you doing with the market at an all time high?

What are Bogleheads doing with the market at an all time high? Continuing to invest? :D :D Taking money off the table and counting your blessings? Not taking any action at all and just sitting tight? A wise friend once said: "Gambling is when you stand to loose more than you have to gain Risk ...
by cleosdad
Mon Jun 09, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6502

Re: Still my guitar gently weeps...

Hey all, All apologies for any guitarist I have left off the first list...Very Much respect for Al DiMeola, Larry Carlton, Grant Green, George Benson, Steve Lukather, Eric Johnson, Gary Moore=Thin Lizzy, John McClaughlin, Taj Mahal, James Honeywell Scott, Pat Methany, Merle Travis, Tony Rice, Rodge...
by cleosdad
Tue Jun 03, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18882

Re: Thinking about buying an old Jeep Wrangler for fun

Have you found the 2001 to be a good year? In our price range, we're seeing a lot of 1997-2003 era cars, so right around that age. Yes it has been fine. No rust or other issues. As for fun I just got back from a run near Red Rocks Ampitheater in Denver. Had the top down enjoying the sun. As for spa...
by cleosdad
Wed May 28, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 666

Re: Thinking about buying an old Jeep Wrangler for fun

We would do some off-roading if we got the Wrangler (have "crazy-Jeep" friends who would love to have us tag along) but it wouldn't *primarily* be an off-road car. We are not buying it with the primary intention being going off-roading. Go for it. I own a 2001 Wrangler. Wife has a Rav4. M...
by cleosdad
Wed May 28, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 666

Re: Best rental car companies

I like booking via costco.com. Have had good rates with Budget and Alamo. If booking a one way, Hertz is usially best. Have had bad experiences with Enterprise and a small local rental company. Have read bad things about Fox and heard bad thimgs about Avis. Have had tonreturn and get replacemental ...
by cleosdad
Thu May 22, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1110

Re: St Maarten

My girlfriend and I will be going to St Maarten August 2014. Any tips on hotels, food, entertainment, etc? If you have any pictures posted on your personal website, we would love to see them. Thanks! Type in saint maarten in forum search at top of page. Under Stan 1 hit topic. There are reviews and...
by cleosdad
Wed May 14, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: St Maarten
Replies: 10
Views: 1172

Re: Does AirTran enforce luggage size?

I just found out that AirTran charges $25 for checked-in luggage, which is $50 for a round trip. According to AirTran's web site, the dimensions of carry-on luggage are limited to 24" x 16" x 10", with each dimension limit enforced separately. The suitcase I'd like to use is 30"...
by cleosdad
Sun May 04, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3473

Re: Avast loaded malwhere with updated "protection".

I couple weeks ago I replaced Microsoft Security Essentials with Avast. As I was trying various Avast options, I inadvertently installed GrimeFighter. GrimeFighter turned out to be a major nuisance, and to get rid of it, I uninstalled Avast and then re-installed it again. Would not uninstall/re-ins...
by cleosdad
Thu Apr 24, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4269

Re: Avast loaded malwhere with updated "protection".

I couple weeks ago I replaced Microsoft Security Essentials with Avast. As I was trying various Avast options, I inadvertently installed GrimeFighter. GrimeFighter turned out to be a major nuisance, and to get rid of it, I uninstalled Avast and then re-installed it again. Would not uninstall/re-ins...
by cleosdad
Thu Apr 24, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4269

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: 2149

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: 2149

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: 3729

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: 2019

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: 3729

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: 1037

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: 729

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: 1643

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: 1643

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: 830

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: 639

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: 1101

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: 2023

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: 2023

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: 5323

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: 5323

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: 5323

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: 1941

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: 1166

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: 7214

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: 7214

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: 7214

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: 2192

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: 2192

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: 1548

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: 1548

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: 1887

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: 1887

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: 1887

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: 6826

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: 2845
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