Search found 451 matches

by leo383
Mon Jun 15, 2015 8:42 am
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?

I keep a very small Moleskine notebook and a pen on me just about all the time.

No technological solution has worked for very long for me yet.
by leo383
Wed May 06, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2716

Re: Looking to Retire in Cleveland

Have you looked at Columbus?

Many of the amenities that Cleveland has, but a lot better weather.

We have very good friends who have made Columbus their home, and I'm impressed by the city more every time we visit.
by leo383
Mon Apr 27, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 2333

Re: Quietest garage door and opener

I have no hard scientific data, but my Sommer garage door opener is far quieter than that of any of my neighbors. Not even close. Can't hear it from inside the house, either.

http://www.sommer-usa.com/
by leo383
Fri Apr 10, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Free Phone Service for my PTA?
Replies: 4
Views: 540

Free Phone Service for my PTA?

I am the treasurer for the local PTA council. We oversee all of the PTAs in our city school system. We don't have an office At our last meeting, it was noted that having a phone number for the PTA would be a good thing. A number people could call, leave a message, and get a call back from someone wi...
by leo383
Sat Apr 04, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9997

Re: Did you learn anything from 2008?

abuss368 wrote:I have learned that over time, markets work!


This stock market recovery has had very little to do with markets.
by leo383
Tue Mar 31, 2015 5:11 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9997

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover.

I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort.
by leo383
Tue Mar 31, 2015 5:10 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9997

Re: Did you learn anything from 2008?

For the people that sold in 2008, when did you re enter the market? My neighbor and his wife sold near the bottom in 2009 and bought into a stable value fund and are still in it. He now considers the stock market to be "gambling". I guess it will take a bull much larger than the post 2009...
by leo383
Sun Jan 11, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 3013

Re: Humidifiers

No one around here (central NC) will install a whole house humidifier on the heat system due to liability issues.
by leo383
Sun Jan 11, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Garage door openers - recommended brand, model?
Replies: 15
Views: 1859

Re: Garage door openers - recommended brand, model?

We bought a Sommer from Lowe's a few years ago, and had Lowes install it. The quietest opener I have ever experienced. Highly recommended.

http://www.sommer-usa.com/
by leo383
Fri Jan 09, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 3013

Re: Humidifiers

OP, you just don't have enough firepower. You should have enough humidifier to keep the house between 40-50% humidity. Get one that can easily handle 500 more square feet than your home, that way you won't come up short. You can turn these things down, but can't turn them up if they are maxed out. W...
by leo383
Sat Dec 06, 2014 6:36 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2388

Re: Teeth whitening

I used the Crest White Strips a few years ago, and was very impressed with the results. I didn't expect much, but they worked.
by leo383
Wed Oct 15, 2014 7:52 pm
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1409

Re: New case of Ebola in U.S.: Is it the latest market headw

Gauss44 wrote:Cost of treating an ebola patient in the USA:

--$1000 an hour or

-- over half a million dollars per patient

How is the government going to pay for that? Any ideas?


That would actually be an excellent economic stimulus.
by leo383
Fri Aug 15, 2014 4:31 am
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 2667

Re: tipping a house painter?

We had a small painting company paint much of our house a few years ago.

I bought nice coffee and muffins for them every morning while they were here. They were grateful, and I figured it prevented any possible trouble if I tipped the lead painter and trusted him to evenly distribute the tip.
by leo383
Sat Jun 28, 2014 10:37 am
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 5247

Re: How many Bogleheads golf?

I would think a lower percentage of Bogleheads golf than the general population.

Seems like a sport where it would be difficult to maintain a Boglehead attitude. I could be wrong.
by leo383
Mon Jun 09, 2014 7:18 am
Forum: Investing - Theory, News & General
Topic: What is the worse case scenario for total bond going forward
Replies: 46
Views: 5395

Re: What is the worse case scenario for total bond going for

Epsilon Delta wrote:You're all pikers.

In a worse case scenario there is nobody left to worry about the bond market.


:twisted:

A pessimist says "things can't possibly get worse."
On optimist says "oh yes they can."
by leo383
Tue May 27, 2014 10:14 am
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4719

Re: This market is a snoozer, do you like it?

When the DOW is at 100,000 in 30 years, it won't matter that much what the prices were today... You'll still be pretty happy. Absolutely no guarantee that it will be there. It might very well be at zero. Almost a religious belief that it will go up over time. What if it's exactly where it is today ...
by leo383
Fri May 23, 2014 7:05 am
Forum: Investing - Help with Personal Investments
Topic: How to Attack Wife's Student Loans
Replies: 25
Views: 2152

Re: How to Attack Wife's Student Loans

At 6.8%, I'd pay them both off then replenish the emergency fund over the next year or so.
by leo383
Mon Apr 28, 2014 6:14 am
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 15642

Re: POLL: the WORST financial advice you've given/received?

Late 1990s I got a friend interested in investing. I had him put lots of money into Janus and Marsico funds, the go-go funds of the time.

It still haunts me. He is now an index fund fan, and we are still friends.
by leo383
Tue Apr 08, 2014 6:54 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 17555

Re: Expensive hobbies and possessions? (B/c you can...)

Electric bass guitars and amps.

I have 9 bass guitars and three amp setups. Probably have about $7-10K wrapped up in all of it. Really, nothing else I do costs all that much.
by leo383
Mon Mar 17, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Just Got a Letter: Our PMI Has Been Automatically Canceled?
Replies: 4
Views: 1343

Re: Just Got a Letter: Our PMI Has Been Automatically Cancel

I intend to throw the extra $100 at the mortgage.

We are at 4.25% fixed on the mortgage rate. I do look at it like a guaranteed return, which is a rare thing. :happy
by leo383
Mon Mar 17, 2014 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Just Got a Letter: Our PMI Has Been Automatically Canceled?
Replies: 4
Views: 1343

Just Got a Letter: Our PMI Has Been Automatically Canceled?

We were getting close to not needing PMI on our mortgage (was doing the math in my head every month :) ), and I was semi-dreading the process of asking to have it removed. I have read over they years what a pain it is to get rid of PMI. Saturday, I received a letter from our mortgage company telling...
by leo383
Sun Mar 09, 2014 9:33 pm
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 6025

Re: Tipping for a haircut at Great Clips

I think 20% (rounded up to the nearest dollar) is reasonable for satisfactory service. However, if one uses coupons, the tip should be based on the regular price. Definitely tip based on the regular price, before taxes. Years ago I was a waiter at a (pretty nice) restaurant that celebrated its 50th...
by leo383
Sun Mar 02, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 6783

Re: washing machine - front loader or HE top loader?

I am a single guy living in Southern California and have been using the same Frigidaire front loading washing machine that I purchased from Lowes in 2004. It has performed flawlessly. To avoid any problem with mildew, I have always just left the front door open. Of course when I had a top loading m...
by leo383
Sun Feb 23, 2014 8:49 am
Forum: Investing - Theory, News & General
Topic: Small Investors Jump Back Into the Trading Game
Replies: 30
Views: 2048

Re: Small Investors Jump Back Into the Trading Game

Because a 20 something has insight and research that no one else has.

I have a feeling that this time will be different!
by leo383
Sun Feb 16, 2014 8:15 pm
Forum: Personal Consumer Issues
Topic: Kindle eBook, "Thinking, Fast and Slow", $2.99
Replies: 15
Views: 1615

Re: Kindle eBook, "Thinking, Fast and Slow", $2.99

Also $2.99 for the Nook. I just bought a copy.

I got this book out from our library a year or so ago, but it's not really a book that lends itself to a quick read.
by leo383
Fri Jan 31, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Market timing failures stocking up on specials?
Replies: 26
Views: 2312

Re: Market timing failures stocking up on specials?

telemark wrote:I haven't read Mr. Tobias' book, but I'm guessing he wrote it when inflation was considerably higher than it is now.


Yes.
by leo383
Wed Jan 15, 2014 7:12 pm
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 7081

Re: percolator vs drip

Keurig most days, sometimes use our Ready Set Joe by Melitta.

Image
by leo383
Sun Jan 05, 2014 5:30 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7987

Re: Do you invest in a taxable account?

Yes. We try every year to max Roths and 401(k) as best we can (wife has very, very unpredictable income every year, I don't have a regular income). For a few years, all we had was our Roths as tax exempt, so I put money away in taxable accounts. I keep it close to our 80/20 allocation. Tax Exempt In...
by leo383
Thu Dec 26, 2013 11:02 am
Forum: Investing - Theory, News & General
Topic: Current price of U.S. stocks vs. long-term moving average
Replies: 20
Views: 1307

Re: Current price of U.S. stocks vs. long-term moving averag

I think this time it might actually be different, based on the massive intervention in the US and foreign markets by players who have, literally, infinite financial resources.

Stick to an allocation you can live with. It's the best any of us can do.
by leo383
Thu Dec 26, 2013 8:12 am
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 19889

Re: Do Whole House Humidifiers Work?

Pianos, guitars, etc., all do better at around 45% humidity. That's where I try to keep our home during the winter. Here in NC, we get about 3 months where the low morning temps can bring a house down to about 25% if you're not careful.
by leo383
Sat Dec 14, 2013 10:16 pm
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 4056

Re: What's your definition of "drive it into the ground?"

So far, we have decided to give up on a car when we finally get a repair that breaks the camel's back. The "are you kidding me" repair. A $3k repair on a car that's probably worth much less than half that (old Nissan Altima). The third fuel system repair in a year (89 Accord). That kind of...
by leo383
Tue Nov 26, 2013 7:43 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 18806

Re: Bill Bernstein: "Take risk off the table"

I guess Bill is not a fan of rebalancing back to fixed percentages. Sounds like he is advocating a form of market timing. I think it's more subtle than that. Bernstein is also about getting to the point where you have enough saved to fully fund retirement, and socking that amount away in short term...
by leo383
Tue Nov 12, 2013 7:56 am
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 7111

Re: We're not in an Equity Bubble

Well if we are in a bubble look on the bright side,the bubble will pop,equity prices will go down and Vanguard investors can then get more shares for their money in the Index funds they currently own :sharebeer ,The glass is more than half full Let's just hope it doesn't take 20 million jobs along ...
by leo383
Sat Nov 02, 2013 8:59 am
Forum: Investing - Theory, News & General
Topic: Four-fund max?
Replies: 17
Views: 2450

Re: Four-fund max?

Total Stock Market
Total International Stock
Total Bond
Small Cap Value if you'd like to tilt a bit.
by leo383
Thu Oct 31, 2013 7:31 pm
Forum: Investing - Theory, News & General
Topic: Poll: How conservative/aggressive is your AA for your age?
Replies: 106
Views: 8673

Re: Poll: How conservative/aggressive is your AA for your ag

I am 45, and at 80/20, that makes me "moderate" according to the chart.

We must be nearing a big correction if 80/20 at the age of 45 (or really any age) is considered moderate.
by leo383
Sun Oct 27, 2013 8:16 pm
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 16667

Re: Bogleheads' "Rags to Riches" Stories

One important lesson is not to live in the south east. http://i.dailymail.co.uk/i/pix/2013/07/22/article-2373899-1AF0D4EE000005DC-273_634x336.jpg http://www.dailymail.co.uk/news/article-2373899/Income-mobility-map-How-live-affects-chances-moving-world.html What's up with the Dakotas? '' Good hydrau...
by leo383
Sun Oct 20, 2013 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing strategy for low income family
Replies: 21
Views: 1391

Re: Investing strategy for low income family

market timer wrote:$135K/year is now low income?


+1

Not low income!
by leo383
Mon Oct 14, 2013 9:47 am
Forum: Personal Consumer Issues
Topic: Living on $5,000 a year
Replies: 28
Views: 3051

Re: Living on $5,000 a year

mathwhiz wrote:And this guy winters in Hawaii too!


Does not compute for me, either.

How do you winter every year in Hawaii on $5k a year? Tickets alone are close to $1k.
by leo383
Sun Sep 29, 2013 3:10 pm
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9927

Re: How did you/your child pay for college?

I worked summer's at my uncle's plumbing shop to pay my way through college. Back in the late 1970s, I could earn enough in one summer to pay for the upcoming year of college........but by my senior year..college costs were rising so fast, I just barely made enough to cover my senior year. It amaze...
by leo383
Mon Sep 16, 2013 6:42 am
Forum: Investing - Theory, News & General
Topic: The Bull's In Charge!
Replies: 32
Views: 3208

Re: The Bull's In Charge!

1998-2000, I worked in trust banking and helped run the 401(k) for state employees here in NC. It was painful to watch participants put all of their money into the couple of very hot tech funds we offered, These were state employees, most making $25k-45k per year, putting all of it into tech stocks....
by leo383
Sun Sep 01, 2013 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What Personal Finance Magazines do you read?
Replies: 60
Views: 4895

Re: What Personal Finance Magazines do you read?

None.

Once I got past looking for the latest go-go fund, the money magazines didn't seem worth it anymore.

I'm surprised at all the Bogleheads who still get financial magazines. It seems to conflict with the "set it and forget it" ethos.
by leo383
Tue Aug 27, 2013 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Microsoft 365 For Small Business Anyone?
Replies: 2
Views: 526

Microsoft 365 For Small Business Anyone?

My wife's small business is looking to move to Microsoft 365 this year.

Any advice, pros, cons, experiences you can share? They are heavy users of Excel's advanced functions.
by leo383
Fri Aug 23, 2013 7:23 am
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 7421

Re: Drying clothes in the sun - worth the hassle?

We have a drying rack in a corner of our bedroom, and any clothes that are nice or expensive get air dried. Dryer drying cuts the life of the clothes by quite a bit; all that heat and friction wears them out faster. A regular T shirt that is always HE Washer washed and then air dried can last me a c...
by leo383
Tue Aug 20, 2013 9:06 am
Forum: Investing - Theory, News & General
Topic: Interesting paper on why the U. S. rocks
Replies: 16
Views: 2080

Re: Interesting paper on why the U. S. rocks

Call_Me_Op wrote:Meaningless vis a vis future stock performance.


+1

The net was full of rosy predictions in 1999 and 2000, then again in 2005, 2006, and 2007.

Crystal balls are notoriously cloudy.
by leo383
Wed Aug 14, 2013 5:27 pm
Forum: Personal Consumer Issues
Topic: What is Wrong with My Maple Tree?
Replies: 14
Views: 1612

Re: What is Wrong with My Maple Tree?

This is one of the healthy trees. Maybe 15 feet from the unhealthy one. As far as I can tell, there is no moisture/sun/soil difference between the trees. The unhealthy tree just has never thrived like the others. http://i253.photobucket.com/albums/hh49/jasper383/August%202013/tree2_zps6ceaa0c3.jpg
by leo383
Wed Aug 14, 2013 4:19 pm
Forum: Personal Consumer Issues
Topic: What is Wrong with My Maple Tree?
Replies: 14
Views: 1612

What is Wrong with My Maple Tree?

We have 4 maple trees in our yard. Three of them are doing beautifully, one is not. The trees are a little older than 5 years old. http://i253.photobucket.com/albums/hh49/jasper383/August%202013/tree_zps821f104b.jpg Any input on what this might be? It was a little like this last year, but this summe...
by leo383
Sun Aug 11, 2013 1:10 pm
Forum: Investing - Theory, News & General
Topic: Japan, 1989
Replies: 127
Views: 29909

Re: Japan, 1989

It's a real treat reading Karamatsu's posts in this thread.
by leo383
Mon Aug 05, 2013 12:44 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 7245

Re: Tipping

At least 20%. Usually quite a bit more. I will tip less if I am sure that the lousy service was 100% the fault of the server, which is rarely. I worked as a waiter on and off for several years in college. Gave me a real appreciation of what is a high stress/low reward job. Aside: I worked at a resta...
by leo383
Wed Jul 31, 2013 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Low-Income Investing
Replies: 100
Views: 7158

Re: Low-Income Investing

I think just sitting down and putting your numbers together puts you wayyy ahead of the great majority of the population.

$250/month is a fine start. Don't give up.
by leo383
Tue Jul 30, 2013 9:03 am
Forum: Personal Consumer Issues
Topic: Learn Guitar or Piano?
Replies: 119
Views: 11420

Re: Learn Guitar or Piano?

Hello everyone, I am the OP. I chose piano over guitar, and have been pecking away at it for more than a year now. It's hard (I play bass in a gigging band, have three small kids,do freelance bookkeeping, am a PTA board member, etc...) to stay focused and it's easy to let a week slip on by without w...

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