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Re: California residents - do you have earthquake insurance?

I see a few posts here that seem a little hand-wavey/fatalistic about relative risks for the poster's specific area, and this is an subject where ignorance is NOT bliss. Some places are a lot more hazardous than others and I can't imagine *anyone* buying property in earthquake country without caref...
by dgdevil
Wed Aug 27, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 27
Views: 1324

Re: California residents - do you have earthquake insurance?

No. Not all parts of California are at risk. However, I am currently moving to a higher risk area, and will re-evaluate after the move. Well, actually ... I'd venture most of California is at risk. The last few big earthquakes, including the Napa one, occurred along fault lines that were largely un...
by dgdevil
Tue Aug 26, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 27
Views: 1324

Re: What to do with individual stock I received?

Around these parts, receiving/holding individual stock is tantamount to receiving the Ebola virus. The horror! Might I suggest selling (some) Colgate, and putting proceeds into a consumer staples fund or ETF (i.e. VDC or IYK)? Then you still have some Colgate exposure, but are diversified. Both have...
by dgdevil
Tue Aug 26, 2014 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 41
Views: 1638

Re: Amazon -- set shipping to free as the default?

That's weird. I swear I got that option a few days ago. Now I have to buy something to show I'm not insane.
by dgdevil
Tue Aug 26, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 981

Re: When to leave a neighborhood for greener pastures?

-I am really getting tired of being 20 feet away from my neighbors on either side. Having to shut windows to have a conversation in private inside, hearing everyone else, etc. This would drive me insane. I would move out tomorrow. You're young and successful, hopefully healthy and happy. These are ...
by dgdevil
Tue Aug 26, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: When to leave a neighborhood for greener pastures?
Replies: 30
Views: 2679

Re: What about non-U.S. colleges?

Center for World University Rankings.

http://cwur.org/2014/
by dgdevil
Tue Aug 26, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What about non-U.S. colleges?
Replies: 24
Views: 1529

Re: Amazon -- set shipping to free as the default?

sunnyday wrote:
Do you know which setting I need to adjust?


They usually ask you after you "Proceed to Checkout" and then "Choose delivery options" ... something like, Would you like to keep this setting?
by dgdevil
Tue Aug 26, 2014 2:45 am
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 981

Re: Amazon -- set shipping to free as the default?

I just almost quickly checked out of Amazon and would have been charged $42 for 3-5 day shipping. I changed it to 5-8 day to pay $0 in shipping. Is it possible to have free shipping selected as the default? Yes. You can do that. I've almost been caught out in similar hurried circumstances. If you a...
by dgdevil
Mon Aug 25, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Amazon -- set shipping to free as the default?
Replies: 7
Views: 981

Re: Earthquake Preparedness

I'm surprised that vineyards seemed unprepared for this, judging by all the broken barrels and bottles. A lot of brick buildings got hammered too. Yes, it's easy to say, You should have done that, but zillions of bottles worth a lot apiece, and no provision for an earthquake - what were they thinki...
by dgdevil
Mon Aug 25, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1953

Re: Earthquake Preparedness

I live in Washington and have earthquake insurance. I'm impressed. Is this common in the Pacific Northwest? It boggles my mind that so many Californians don't have it, but I guess it is much more expensive there? Yes, very uneconomical. How uneconomical? My policy has (I think) a 30% deductible: it...
by dgdevil
Mon Aug 25, 2014 3:02 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1953

Re: What 5 stocks can I own forever?

mhalley wrote:How about looking at the etf that holds 100 yr old companies? ... FL Foot Locker Inc 0.35


Suspicious about the demand for running shoes a hundred years ago, I checked Wikipedia and see that Foot Locker is the old Woolworth's. It's a ringer (and not in the NYSE bell-ringing sense).
by dgdevil
Mon Aug 25, 2014 2:30 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4262

Re: Earthquake Preparedness

letsgobobby wrote:I live in Washington and have earthquake insurance.


I'm impressed. Is this common in the Pacific Northwest?

letsgobobby wrote:It boggles my mind that so many Californians don't have it, but I guess it is much more expensive there?


Yes, very uneconomical.
by dgdevil
Mon Aug 25, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1953

Re: Earthquake Preparedness

I bought some Quakehold! straps for bookcases on Amazon today. That company must be doing a roaring trade right now. Go bag - yes, though I keep stealing money from it. The one thing we don't have - and people don't seem to recommend it - is a spare can of gas. I'm surprised that vineyards seemed un...
by dgdevil
Sun Aug 24, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Earthquake Preparedness
Replies: 39
Views: 1953

Re: Is it me, or are "collectibles" worthless in 2014?

Got any spare Korans sitting around?

One torn page of the Koran sells at bargain auction for $74,000 [in Australia]

http://www.smh.com.au/national/one-torn ... 07tcg.html
by dgdevil
Sun Aug 24, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5820

Re: Buy & Hold Forever Blue Chip Stocks???

On a sidenote I bought Dis. in 1997 around 26.00 a share.Fast forward 5 years later around 14 per share,,oh well. Fast forward 12 years later...90 per share,,oh well,,,you never know(still holding) :happy Up 240%, by my estimate, doubling S+P and Dow over same period. I bought days after 9/11. It w...
by dgdevil
Sun Aug 24, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3539

Re: Is it me, or are "collectibles" worthless in 2014?

-Original Hardy Boys books from the 1920s/1930s When you say original, do you mean first edition? If they are in the latter category they should have some value among Hardy Boys/book collectors. But they would need the original dust jacket. These would not be for reading. Otherwise you just have a ...
by dgdevil
Sun Aug 24, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5820

Re: Buy & Hold Forever Blue Chip Stocks???

In the spirit of answering your original post, you could always add some JNJ with a portion of your $20,000. Agree with your post in its entirety, but one could also get decent J&J exposure through Vanguard Health (VHT) and the IYH and IXJ iShares. All have handily outperformed J&J, which a...
by dgdevil
Sun Aug 24, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3539

Re: Buy & Hold Forever Blue Chip Stocks???

In the spirit of answering your original post, you could always add some JNJ with a portion of your $20,000. Agree with your post in its entirety, but one could also get decent J&J exposure through Vanguard Health (VHT) and the IYH and IXJ iShares. All have handily outperformed J&J, which a...
by dgdevil
Sun Aug 24, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3539

Re: Buy & Hold Forever Blue Chip Stocks???

Any thoughts? I realize I'm missing financial sector, but that's intentional after 2008 crisis due to my ideology. This is a portfolio I plan on giving to my children many many years from now. Thanks I agree that some blue chips are a nice addition to one's portfolio, but am leery of allowing "...
by dgdevil
Sun Aug 24, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3539

Re: Best nose hair trimmer (is this okay to ask?)

Not weird at all. Every man should have one. I have a cheap little Panasonic, operates on 1 battery, though I see it's now discontinued. Just go with the Amazon consensus. No need to spend more than $20.
by dgdevil
Sat Aug 23, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Best nose hair trimmer (is this okay to ask?)
Replies: 36
Views: 2610

Re: Is it me, or are "collectibles" worthless in 2014?

At least he didn't collect stamps.

We just tossed a whole bunch of "collectibles" that were coveted by my late grandmother. As my buddy says to me, "It will all get thrown out when you die." We are a throwaway society.
by dgdevil
Sat Aug 23, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 5820

Re: No room on your Windows hard drive? Cleanup Update files

Do you mean your Dell PC is reporting 1 TB for driver storage space? Start a new thread to discuss this in detail, more info is needed - it's much more than deleting a file. Post the link here if you want. Yes, in the add/remove programs part of the control panel. But if it's not really 1 million M...
by dgdevil
Sat Aug 23, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3127

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. One million MB is a Terabyte. Most hard drives on new machines are a terabyte. I have a feeling that is...
by dgdevil
Sat Aug 23, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3127

Re: Do you tip on the tax? [Restaurants]

So I infer that you've been to every poor country based on the Commandment you just gave us. I've been to SOME poor countries - incl. Ethiopia, Afghanistan, Jamaica, Nicaragua, Egypt - and followed local custom. If you start applying U.S. tipping customs, throwing around money like a Yankee imperial...
by dgdevil
Fri Aug 22, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4816

Re: Do you tip on the tax? [Restaurants]

RobInCT wrote: In a lot of poorer countries, locals don't normally tip but tourists would still be expected to (as would wealthy local residents).


Not true. Follow the local custom. If that means leaving just a few coins on the table, so be it.
by dgdevil
Fri Aug 22, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4816

Re: Do you tip on the tax?

Frankly, the whole "tipping culture" thing has turned me off to eating out altogether; I just want to eat a meal without being unwittingly dragged into a byzantine fiscal and social justice issue. Until this whole sordid mess goes away, I will refrain from eating out, and neither the wait...
by dgdevil
Fri Aug 22, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4816

Re: Do you tip on the tax?

I reserve my moral outrage about tipping for the business owners who have made the choice to not pay their employees a fair wage. Is one obligated to tip at restaurants in municipalities where the minimum wage has been increased? Or in San Francisco where there is a healthcare surcharge? And why do...
by dgdevil
Fri Aug 22, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4816

Re: Sending cash back to myself in the US (from Brazil)

Invest in a money belt and bring the $ back with you. I do it all the time. Brazilian banks are rapacious, even local branches of foreign banks, ie HSBC, Citi.
by dgdevil
Thu Aug 21, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sending cash back to myself in the US (from Brazil)
Replies: 3
Views: 416

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences.
by dgdevil
Thu Aug 21, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3127

Re: Opinions on Webroot Security Anywhere

I also bought Webroot, after reading a rave in the Wall Street Journal. I think it's great. But it never got a mention in Consumer surveys of antivirus products, which was another reason to cancel my subscription (to the magazine).
by dgdevil
Thu Aug 21, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on Webroot Security Anywhere
Replies: 6
Views: 443

Re: Girls gymnastics: what to expect

My biggest issues are my shoulders ... 101% agree with your post, being a former Masters swimmer myself (got lazy) ... Your coach should be able to fix the shoulder issue in 5 mins. It's technique: rotate the torso, keep elbow high/forearm floppy, make sure hand doesn't cross to other side on re-en...
by dgdevil
Wed Aug 20, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2337

Re: About to Order my first Mini Cooper S

archman65 wrote:
(1) If I am buying a mini cooper and my preference is a manual transmission will selling it down the road be more difficult because nobody seems to drive manual anymore?


I would buy it off you. Stick all the way.
by dgdevil
Tue Aug 19, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1196

Re: Bogleheads Featured in Money Article

I know this is totally beside the point, but that author (Penny) needs to learn how to proofread. A number of grammatical errors in a short article - sloppy! A bit sloppy, I agree in part. Based on personal experience, I would venture that these blogs are given a quick "second pair of eyes&quo...
by dgdevil
Tue Aug 19, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 3031

Re: Do you know any of the 36% [that don’t save for retireme

A former colleague did not contribute to the company's 401(k), to general dismay. Fast-forward 20 years: his father died, and he inherited $3.5 million. And early-retired at about 52 years of age. An outlier, admittedly.
by dgdevil
Tue Aug 19, 2014 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: [helping a family member to start investing]
Replies: 10
Views: 810

Re: Europe travel: best card for ATM cash

The one thing you need to be mindful of when using an ATM card in Europe is that more often than not, there is no option to withdraw from Savings vs. Checking. It's basically Withdraw --> How Much? --> Cash Out --> Thank You. In my experience, it always comes out of Checking. Very good point. Raiff...
by dgdevil
Mon Aug 18, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1943

Re: Europe travel: best card for ATM cash

Schwab is the only debit card I'm aware of that reimburses fees internationally. Earlier in this discussion I made folks aware of the WellsFargo debit card that also reimburses fees internationally with an excellent exchange rate. My Wescom (California) credit union is fee-free overseas. Used to us...
by dgdevil
Mon Aug 18, 2014 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1943

Re: Made a $50k bet on Healthcare

@Gambler: FYI, quite an interesting Q&A with the chap who runs PRHSX, in the T. Rowe Price summer report I got in the mail today. He's excited about biotech, and doesn't see "many clear winners" from ACA, esp. the hospital companies that will "start to hit reimbursement pressures...
by dgdevil
Mon Aug 18, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 55
Views: 9094

Re: Girls gymnastics: what to expect

When bodies are still developing, stressing them too much can lead to injuries. Why is swimming ruled out? That's a pretty safe sport and builds strength and flexibility. There's no reason why she has to travel to compete as opposed to just enjoying swimming and building her skills. +1. Strength, f...
by dgdevil
Sun Aug 17, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2337

Re: Is buying two SUVs a sane/good financial move?

You, a professed bad driver, ask: Should I buy an SUV? I, someone who drives a compact car and who could be sharing the road with you, respond: No. +1. There are already too many bad SUV drivers in SoCal. BTW, if you a nervous driver now, how will you cope with a baby in the back seat, screaming or...
by dgdevil
Sun Aug 17, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3692

Re: Two days in Little Rock, AR - What to do and see?

I used to live there, but for the life of me, I cannot think of anything that one would want to do or see there. Seems you were right. Just think if the Clinton library had not been located there. Too many inappropriate responses to list. I was so bored by Little Rock that I drove 2 hours west to M...
by dgdevil
Sat Aug 16, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1492

Re: Two days in Little Rock, AR - What to do and see?

livesoft wrote:I used to live there, but for the life of me, I cannot think of anything that one would want to do or see there.


Seems you were right.
by dgdevil
Sat Aug 16, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 29
Views: 1492

Re: Help-Do I need a chip/pin card in europe?

... my understanding is that debit cards do not need chips ... If I can get get cash, I feel I'll be fine. Correct. You'll be fine. Perhaps I'm over-thinking this (an affliction of mine) but will be travelling alone so no one to confer/commiserate with if card issues arise. I am also afflicted. But...
by dgdevil
Sat Aug 16, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1155

Re: Help-Do I need a chip/pin card in europe?

Does anyone know about this for Denmark? Just got back from Denmark. Credit cards require a pin, or will be useless. There is no signature option. Many frustrated new arrivals at the airport learn this when trying to buy train tickets at the kiosk. For me, I was at the supermarket checkout with a t...
by dgdevil
Sat Aug 16, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 17
Views: 1155

Re: Renting forever: financial suicide?

2015 wrote:
Either Palm Springs or PNW, probably Portland.


Quite the contrast: old people who play golf at 4 am before it gets hotter than hell; or hipster doofuses, as sagely depicted in Portlandia.
by dgdevil
Fri Aug 15, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10809

Re: Who sells fresh coffee that is not as strong as Starbuck

What I mean by strong is very high in caffeine. I guess you might say I am looking for some weaker coffee. I never got the sense that SBUX was stronger than average; it's very average on all scores. McDonald's is strong (and good value). Try flavored coffee: it has less caffeine. Or dump some of th...
by dgdevil
Fri Aug 15, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2304

Re: Renting forever: financial suicide?

This will probably not apply to most others, but buying my condo outright 17 years ago was the smartest financial decision I've ever made. I guess I got really, really lucky. The condo was in a desirable area in Los Angeles at the time, and since buying the area has become extremely upscale and tre...
by dgdevil
Fri Aug 15, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10809

Re: Lifestyle Creep

4nursebee wrote:Mortgage main obstacle financially.


A fairly significant, and unnecessary, obstacle at this stage in your life. Will you be driving as much, post-retirement? Enough to justify ditching a 4-5 year-old car?
by dgdevil
Fri Aug 15, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 22
Views: 2639

Re: tipping a house painter?

denovo wrote:I think tipping has gotten out of hand. outside of movers and probably looks a waiters at restaurants I don't really do any other tipping. Well hotel maids too.


+1. It's built into the price. And looks can be deceiving when it comes to paint jobs.
by dgdevil
Thu Aug 14, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 1391

Re: Investing in US from New Zealand

The best brokerage to go with is optionsxpress, they have an Australian branch who accept NZ investers: http://www.optionsxpress.com.au The trades are 15USD each. Not as low as what Etrade etc charge but still reasonable. The website is also very intuitive, they have great customer service and they...
by dgdevil
Thu Aug 14, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in US from New Zealand
Replies: 21
Views: 1255

Re: Renting forever: financial suicide?

I have EQ insurance on my place but it's a condo so everybody is forced to buy in as part of our HOA fees. For single-homeowners, EQ insurance is useless. It's only offered by the State of California ... Not true. I had a policy via Geovera. There may be others. This is why one should have an insur...
by dgdevil
Wed Aug 13, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10809
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