Search found 506 matches

by htdrag11
Sat Aug 22, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 522
Views: 75055

Re: What are you up YTD? [Year To Date]

Down 0.5% at 70-30 allocation after RBD.

I'm OK with my allocation during my 1st year of full retirement, 3 to 7 years from collecting SS.
by htdrag11
Sat Aug 22, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Objectionable Manufacturing Country
Replies: 13
Views: 861

Re: Objectionable Manufacturing Country

Traveller wrote:
cheese_breath wrote:I don't think I'd buy either one.


This. I'd pass all together.

Every day is realize more and more how little I really need.


Amen!
by htdrag11
Sat Aug 22, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 66
Views: 7010

Re: Any [iPhone] "Apps" you like?

Waze navigation crowd sourced app...Gets real time driving conditions from other users... Saved me from traffic headaches many times... Summit +1 +4 for the family members using it. I heard it now belongs to the Google Alphabet. 3 of us had dedicated GPS devices because we felt they were better tha...
by htdrag11
Thu Aug 20, 2015 10:01 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 42
Views: 4101

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Thanks.

In for one and so is my friend. Considering that we're both quite frugal, it is money well spent.

One could find the 2nd edition used for about $5 plus.
by htdrag11
Thu Aug 20, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Toro Super 700 Sprinkler head adjustment
Replies: 4
Views: 385

Re: Toro Super 700 Sprinkler head adjustment

Looking at the picture, not sure if a flat head screwdriver would work.

http://www.andyssprinkler.com/support/toro/s700adj.htm

It looks like all the adjustments for increasing the arc/diameter is the same, clockwise up to 330.
by htdrag11
Thu Aug 20, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Toro Super 700 Sprinkler head adjustment
Replies: 4
Views: 385

Re: Toro Super 700 Sprinkler head adjustment

Thanks. That is a much better pdf than the one I found. At least now I've a better idea for adjustment.

I guess the tor key is different from the Hunter key? :oops:

I even did a search on eBay but to no avail.
by htdrag11
Thu Aug 20, 2015 7:23 am
Forum: Personal Consumer Issues
Topic: Toro Super 700 Sprinkler head adjustment
Replies: 4
Views: 385

Toro Super 700 Sprinkler head adjustment

Recently I replaced one of my Hunter PGP head from HomeDepot, it was messy but doable for klutz like me. However, one of the older heads is a Toro Super 700 that is only doing about 180. I need it do to 360. Here is the pdf: http://www.toro.com/irrigation/res/smturfsprink/sup700/brochures/s700_gb.pd...
by htdrag11
Sun Aug 16, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: 30-Year vs. 10-Year ARM
Replies: 4
Views: 434

Re: 30-Year vs. 10-Year ARM

Be clear about your terminology. Do you mean a 30 year fixed rate loan vs a 30 year annually adjustable rate loan with the introductory rate fixed for the first 10 years? I suggest you consider what happens to the payment in worst case scenarios where all ARM adjustments hit their caps. Also consid...
by htdrag11
Sun Aug 16, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: 30-Year vs. 10-Year ARM
Replies: 4
Views: 434

30-Year vs. 10-Year ARM

Nephew of mine is looking to buy a unit in NY area. The 30-year is 3.67 to 3.94 while 10 year ARM is 2.98. The mortgage is about $400k.

Any suggestion if he might stay only for 10 years?
by htdrag11
Thu Aug 13, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: New Family Sedan or Used Luxury Car
Replies: 46
Views: 3855

Re: New Family Sedan or Used Luxury Car

However, it is a bear to drive but wife loves the ventilated leather seat in the summer season. Really? I owned 3 Lexus over the years and the last thing I would say about them is "They were a bear to drive". I have since upgraded to a couple of Hyundai Genesis. And I do mean Upgrade! Com...
by htdrag11
Wed Aug 12, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: New Family Sedan or Used Luxury Car
Replies: 46
Views: 3855

Re: New Family Sedan or Used Luxury Car

Most of my European cars cost me an arm an a leg, though they are fun to drive. From a new Accord perspective, I would go for a used Lexus (not Acura which is nothing but a high price Honda and higher maintenance cost; friend just traded in his Acura TL for a loaded Honda Accord Hybrid). Full disclo...
by htdrag11
Wed Aug 12, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Yay or Nay?
Replies: 10
Views: 942

Re: Home Addition-Yay or Nay?

Stay and remodel. You like your current location. Most of the world live in a lot less space than us. Live below your means. Don't buy things that you do not need to clutter up the house, especially the basement. Extra space would only encourage the pack rat syndrome. Friends of ours were amaze how ...
by htdrag11
Tue Aug 11, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Buying a "dinosaur" laptop
Replies: 25
Views: 2934

Re: Buying a "dinosaur" laptop

Patzer, thanks for the suggestion on the Toshiba. Sounds ideal for me, and $300 less than the HP. As an aside, I ran all the diagnostics I could, and even had Norton weigh in with their remote-control, to no avail. I suspect there is a point in time where one really, truly, needs to acknowledge tha...
by htdrag11
Tue Aug 11, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: For the bogleheads either retired or close to retiring
Replies: 29
Views: 3874

Re: For the bogleheads either retired or close to retiring

An another noteworthy item, we "cut the cord" as much as we can except for basic stuff and internet. The less commercial TV we watched, the less enticement and less noise. However, I cannot live without NFL, but that is part of the major network telecast anyway.
by htdrag11
Tue Aug 11, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: For the bogleheads either retired or close to retiring
Replies: 29
Views: 3874

Re: For the bogleheads either retired or close to retiring

Retired on and off since 2011 with a short stint of a 10-month consulting gig. We've one kid but is long flew the nest. We're down to one car and our auto insurance is below $700 for the longest time (for NJ, that is cheap; the car is a 2012 premium SUV with $1,000 deductible). We finally got 2 smar...
by htdrag11
Wed Aug 05, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28208

Re: Free Windows 10 Upgrade, Yes or No?

I have a dual boot Win 7/Ubuntu, did anyone try to move to Win X smoothly while maintaining both or just Win X? I dual boot Win 7 / Linux, but I'm holding off on upgrading Win 7 until the dust settles. A quick google search shows you should be OK. Be sure to backup everything (Ubuntu) before you st...
by htdrag11
Wed Aug 05, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28208

Re: Free Windows 10 Upgrade, Yes or No?

I have a dual boot Win 7/Ubuntu, did anyone try to move to Win X smoothly while maintaining both or just Win X? I have a machine that dual booted Win7 and Ubuntu and I successfully upgraded the Win 7 side to Win 10. Depending on your specific configuration (i.e. where your Windows and Linux partiti...
by htdrag11
Tue Aug 04, 2015 6:37 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 1763

Re: Apple & the Market:

Sorry for your lost. It's critical that you stay away from finial porn and talking heads. It's indeed difficult to ignore the noise. I'm retired and volunteer to help out folks who are in transition like yourself. It's a very difficult time for folks over 50 unless they have a very marketable skill....
by htdrag11
Tue Aug 04, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28208

Re: Free Windows 10 Upgrade, Yes or No?

I have a dual boot Win 7/Ubuntu, did anyone try to move to Win X smoothly while maintaining both or just Win X?
by htdrag11
Fri Jul 31, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2242

Re: Amazon reviews

2 data points: I'm not sure about shills but once I downgraded a book to 1 star and several of the 5-star reviewers kept on pointing out my ignorance on the subject of some glorified insurance book. I held firm. Once I bought a tiny gadget like $10 to hold my smartphone for the car, I gave it a 3 st...
by htdrag11
Sat Jul 18, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Foot Massager Recommendation
Replies: 0
Views: 182

Foot Massager Recommendation

We are not diabetic but do a bit of walking (average 3 miles about 3-4 times a week) as exercise. My walking shoes are fairly comfortable, especially when new. I found both Nike and NB are pretty good but they last for no more than a year, so I started to look for a foot massager around the mid-pric...
by htdrag11
Sat Jul 11, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3433

Re: One car or two in semi-retirement?

+1. We've been doing this with one car for over 3 years in retirement. We just need to organize our trips better. The car is a 2012 CPO with 3 years warranty; it is one of the more reliable Japanese model. Now I'm itching for buying or leasing a 2016 Mx-5 for fun, or unload my SUV if a Tesla Model X...
by htdrag11
Tue Jul 07, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Wiring funds abroad from Vanguard
Replies: 22
Views: 2067

Re: Wiring funds abroad from Vanguard

I used PayPal tying to my checking or PayPal balance, but I've only transferred $1,000 or less without any fees.
by htdrag11
Tue Jul 07, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1664

Re: Thanks to Forum Administrators

Me 3.

I always have my ghostery running. This is one of the few sites that I'm not being tracked or shadowed.

Thanks for your diligence. :sharebeer
by htdrag11
Sun Jul 05, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

The Hospital 1971 with George C. Scott and Diana Rigg. It was hilarious.

Now I fully appreciate why most of my friends in the healthcare field did not like to check in to the hospitals. It is well worth the 100 minutes of relaxation. :D
by htdrag11
Sat Jul 04, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 32
Views: 3756

Re: Average raises for promotions

In any rational world, that would be deemed criminal behavior. I think the aggregate criminal behavior of the top echelons of the corporate world will come crashing down eventually. Speaking of bubbles. You know what is in a big bubble? Executive compensation. +1 Executive compensation has no relev...
by htdrag11
Sat Jul 04, 2015 3:53 pm
Forum: Personal Consumer Issues
Topic: Best place to order business cards
Replies: 12
Views: 2460

Re: Best place to order business cards

I used www.vistaprint.com; you can design your own card.

It's $9.99 for 100 or more, depending on coupon. Got mine at this price with 250 cards. Think it might even be cheaper if you have their logo on the back.
by htdrag11
Sat Jul 04, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 949
Views: 169883

Re: What Book Are You Currently Reading? Part VI

Just "fun" reading, The Child 44 Trilogy by Tom Rob Smith. I felt the pace of the 2nd one, The Secret Speech, seems to be more fast paced. I'll get to the last one later this month. Each is about 400 pages with large white spaces. The details of the post-Stalin era is fascinating. Power su...
by htdrag11
Thu Jul 02, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Car Dealerships - is this bad service?
Replies: 21
Views: 2513

Re: Car Dealerships - is this bad service?

Not in my case. Actually I took my Lexus to a next door Toyota dealership (neither is related) and they did a 30k miles service on good time (10 minutes early).

Now I do miss the Starbucks coffee from Lexus, but saved me $300 bucks in a lesser decor.
by htdrag11
Mon Jun 29, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

Inside Out. Since it was Pixar, we have high expectation. Yes, there will be sequels, as always. I think that Joy (Amy Poelher) really carried the movie, more than the main character Riley. There are moments that we as parents and children could all relate to. It was surprisingly short, only 1.5 hou...
by htdrag11
Mon Jun 29, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 42
Views: 16561

Re: Marvin vs. Andersen Windows: The Eternal Struggle

I have another Andersen casement window with broken seal - out of warranty. Could the seal be repaired or the whole window needs to be replaced? I googled Glass Guru who is suppose to do this but is not in my area. When I have an occasional problem with the Pella windows or doors that my Mom had in...
by htdrag11
Sat Jun 27, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 20048

Re: Do you buy used cars like a Boglehead actually should?

I had bought both new and used cars for many, many years.

My latest is a 2012 Lexus CPO with only 20k miles wiht no issues at all. Previously, I bought 2 new Mazdas (reliable), and a used Passat (mistake - too many electronic gramlins).
by htdrag11
Sat Jun 27, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 42
Views: 16561

Re: Marvin vs. Andersen Windows: The Eternal Struggle

I have another Andersen casement window with broken seal - out of warranty.

Could the seal be repaired or the whole window needs to be replaced?

I googled Glass Guru who is suppose to do this but is not in my area.
by htdrag11
Mon Jun 22, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Will I regret using Composite Decking instead of PT Decking
Replies: 23
Views: 2310

Re: Will I regret using Composite Decking instead of PT Decking

We had Trex for over 10 years. It replaced a PT one and my wife is still very happy. The cost was at least 2x at the time. Our deck has southern exposure. 1) She did not think it gets as hot as PT. 2) Little maintenance, other than some algae. 3) It was a professional job (ouch!!) but you do not see...
by htdrag11
Sun Jun 14, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

mbk734 wrote:Foreign - Curse of the Flying Daggers - awesome cinematography


Which one of these did you see or both?

Curse of the Golden Flower; House of Flying Daggers (great cinematography - Yes).
by htdrag11
Sun Jun 14, 2015 5:48 pm
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5760

Re: Where do you keep your to do list?

+1 for Google Keep.
by htdrag11
Sat Jun 13, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

Lebanon, 2009, about the 1982 Lebanon War; think of it as Das Boot in a tank with 4 Israeli soldiers graduated from high school. The Relief of Belsen, 2007 - I caught the movie since I like the actor from GOT, Iain Glen who played Lt. Col. Johnston, the hero of Quetta (Pakistan earthquake), who trie...
by htdrag11
Wed Jun 03, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

Re: PayPal Lessons Learned

I've been dealing with Paypal as a seller (and buyer) for about 10 years. As much as people hate on paypal as a merchant provider, I found them incredibly easy to deal with. I've been using eBay/PayPal from last century. Other than one incident as a buyer, I've no issue either but that has nothing ...
by htdrag11
Wed Jun 03, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

Re: PayPal Lessons Learned

htdrag11, You mention that the item was bought in one of your "favorite forums". Maybe the lesson is not to buy from/through that forum? What was the forum? Avsforum - I've been a home theater/video enthusiast for over 10 years and had multiple dealings. When they switched to a new platfo...
by htdrag11
Wed Jun 03, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

Re: PayPal Lessons Learned

As I said, I was fortunate but wish PayPal's turn around is as good as Discover or Visa with a voice on the other end of the customer support. There is no number to call; just email. For a 3% transaction fee, I was expecting more or better communication, not left in the dark. I never got confirmatio...
by htdrag11
Tue Jun 02, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

Re: PayPal Lessons Learned

spectec wrote:If it's too good to be true, it's neither good nor true.


Good lesson. Thanks.
by htdrag11
Tue Jun 02, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

Re: PayPal Lessons Learned

Yes. I considered myself lucky since the seller could have shipped out an empty box .

PayPal has little or no customer service. It's purely binary mode. I just got the refund without any kind of notice or acknowledgement, kind of stone age customer focus. :(
by htdrag11
Tue Jun 02, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: PayPal Lessons Learned
Replies: 25
Views: 3509

PayPal Lessons Learned

Lessons learned! I bought a used but rather expensive Sony 3D projector on May 8th using PayPal in one of my favorite forums. There were a few warning signs which I ignored: - price was way below market (I do know the used pj market) - title of the ad and the picture did not match, VW vs. HW series ...
by htdrag11
Tue Jun 02, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Bread Machines?
Replies: 41
Views: 2960

Re: Bread Machines?

Whatever model you choose, stay away from the Betty Crocker model - we just passed it on to a friend who wants to play.

Wife also uses the no-kneading method to bake her bread, with her old old Kitchen Aid mixer. It is a test on her patience.
by htdrag11
Mon May 25, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 3023

Re: Window replacement -- Renewal by Andersen?

FWIW, our house has mostly Andersen windows. After about 13 years, one of them had condensation. At the time, there was a 20 year warranty (not 10 like today), so it was replaced for free. Our 2 sets of French doors are both Pella and Andersen; the latter is much cheaper (like 40%) but no where near...
by htdrag11
Sun May 24, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 80
Views: 8002

Re: Lexus vs. MB vs. BMW

I've not owned a MB since 1976, so no comments there. My 2000 X5 3.0 was a 1st year car, so there were numerous problems that were fixed under warranty. Sold it when I needed to replace the battery for $300 with about 28k miles. Of the 3 BMW's, that had the most problems comparing to my other 3 seri...
by htdrag11
Sun May 17, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: The upside of living longer
Replies: 11
Views: 2448

Re: The upside of living longer

+1.

Health is wealth. Seeing my MIL who is over 80's but in poor health and wealth, it is not living at all. Lessons learned for me.

None plan to fail but most fail to plan.
by htdrag11
Sat May 16, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

I'll just my recommendation for Ex Machina. An excellent sci-fi movie ... thought provoking. An much older documentary: The Aristocrats directed by Penn and Teller. It's about the worlds dirtiest grossest joke (usually comedians just tell it to each other). There are some great great scenes in it ....
by htdrag11
Sat May 16, 2015 7:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172244

Re: What Movie Have You Recently Watched?

Mad Max: Fury Road is crazy good! http://www.nytimes.com/2015/05/15/movies/review-mad-max-fury-road-still-angry-after-all-these-years.html Bought tickets for 10:30 am showing today; will post later. The review for this one has been great, better than Avengers from couple of weeks ago (OD with too m...
by htdrag11
Sun May 10, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: Transfer current employer's 401k to TSP feasible?
Replies: 6
Views: 592

Re: Transfer current employer's 401k to TSP feasible?

Yes. TSP's 0.03% is hard to beat!!!

50% MM S&P500 0.23
15% Columbia Mid Cap 0.28
15% Columbia Small Cap 0.25
20% MM MSCI EAFE Intl Idx Fd 0.51

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