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Re: Is social security a good investment?

Not an investment and I consider it like I consider everything else financial, it may or may not be there.
by lws6772
Tue Apr 22, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is social security a good investment?
Replies: 33
Views: 1436

Re: POLL: why carry cash?

In ca, when I drive along CA-1 etc, I try to stop at ice cream, roadside mom and pop shops that only take cash. but the amount never goes more than 100 and replenish once it goes under 20. Also a Indian and Thai restaurant in our place...gives 5% discount for cash. I know a place that has a sign th...
by lws6772
Sun Apr 20, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7443

Re: POLL: why carry cash?

What drives me crazy is when the cashier tells them how much it is and they're not ready to pay(with whatever) after standing in line all that time. I always feel like humming the Jeopardy music as we all wait. Years ago I finally reached the conclusion that resistance is futile and just starting br...
by lws6772
Sat Apr 19, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 225
Views: 7443

Re: Does Mint.com randomly access your account?

Oy the paranoia on here. Yes mint accesses your account at random times. Many others have explained why. As for the "you invalidate all legal protections giving out your password" yes the legal documentation says that. In practice if mint or any of these other services were ever penetrate...
by lws6772
Mon Apr 14, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1958

Re: Ooh - Media is finally checking past predictions!

I'm always amused when there's a big movement. There's always analysts that know all about it, knew it was coming(whatever direction), no surprise. Of course what will happen next week, not so much. :D
by lws6772
Fri Apr 11, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Ooh - Media is finally checking past predictions!
Replies: 4
Views: 834

Re: Tree stump removal

Wish I were closer, would do it for free or a 6 pack of Dr. Pepper if you insisted on paying. :D
by lws6772
Sun Apr 06, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 1733

Re: Preventing Office Theft of Food and Other Stuff

In "Predictably Irrational" Dan Ariely describes experiments with different tempting items put into college-dorm refrigerators. When a bundle of Coca-Cola cans was placed in, all the cans have disappeared fairly quickly. When a plate with one-dollar bills was placed in (of equivalent valu...
by lws6772
Fri Apr 04, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5207

Re: No Market Mania Here!

The half that don't think it's a good idea - aren't those just the half that never invest in the stock market. Speaking of half, didn't it used to be that half of marriages end in divorce. I wonder what it is these days. I once had a job where I met hundreds of divorced people and to a person(except...
by lws6772
Wed Apr 02, 2014 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: No Market Mania Here!
Replies: 13
Views: 1277

Re: Deleted Thread?

I had a feeling that one might end up in the witness protection program. :P
by lws6772
Mon Mar 31, 2014 5:49 pm
 
Forum: Forum Issues and Administration
Topic: Deleted Thread?
Replies: 17
Views: 844

Re: Death of co-worker

OP, Learn something from it. When your doctor tells you [medical advice removed by admin LadyGeek] JW I would never [response to medical advice removed by admin LadyGeek] I choose to follow a horse's diet - lots of oats, apples and carrots. An occasional stick of licorice root helps to keep the bre...
by lws6772
Mon Mar 31, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: Electric razors where replacement blades cost same as ra

I got decent results resharpening the blades for my bottom of the line Norelco. I used a very fine diamond hone with oil for the first pass and a Japanese water stone for the final hone. After diss assembly of the shaver head, I used the shaver motor to spin the blade on the stone. Gosh, I love thi...
by lws6772
Sat Mar 29, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Electric razors where replacement blades cost same as razor
Replies: 19
Views: 1268

Re: How much water do you drink every day?

Slightly off this topic, one of my "hot buttons" or passionate causes is against the huge fad of bottled water. I have to hand it to these companies for convincing millions of folks that spending all this money on "water" is worth it. Much of the bottled water is just tap water ...
by lws6772
Fri Mar 28, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2857

Re: How much water do you drink every day?

The last time I went to the Doc. he said to drink roughly half(in oz.) of your body weight number every day. If you weigh 160 lbs., then drink about 80 oz. of water per day. I usually don't make it, but I'm trying harder these days. And it's always tap water, unless you're buying. Also, my wife turn...
by lws6772
Thu Mar 27, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2857

Re: Professions that have the most/least psychopaths

Interesting. I'm in the top half of the -psychopathy list. :happy
by lws6772
Wed Mar 19, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Professions that have the most/least psychopaths
Replies: 30
Views: 1995

Re: Tipping for a haircut at Great Clips

My Oster 76 clippers never ask for anything. Outliner blade is the shortest blade - almost bald - and gives a cut that will last a couple weeks until needing another. So does that mean you cut it with no blade guard? I cut(with cheap Wahl clippers) my hair and beard with no blade guard. I guess tha...
by lws6772
Mon Mar 10, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 3966

Re: 62 years old - starting all over again

The first thing I would recommend is save like crazy. I mean squeeze every nickel really hard. I agree, and I think this is a much more prudent course of action than taking on inordinate risk at age 62. With PE10 > 25 and bond yields still near all time lows, future returns are likely to be quite m...
by lws6772
Thu Mar 06, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4431

Re: Is it wise to go to trade school giving my situation?

I know auto repair can be tough and it doesn't get any easier the older we get. You could try the Jiffy Lube idea or maybe even work at one of the auto parts chains before you go any farther.
by lws6772
Thu Mar 06, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it wise to go to trade school giving my situation?
Replies: 10
Views: 773

Re: The Stock Market's Relentless Bid, Explained

"It is the reason why both bad news and good news seems to get bought, almost as if the two things were entirely interchangeable." - For the last couple of years this phenomenon has baffled me. His explanation seems reasonable. Although I become more cautious (about anything) the longer is...
by lws6772
Wed Mar 05, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Stock Market's Relentless Bid, Explained
Replies: 22
Views: 2371

Re: Best car tire air pump?

A good bicycle pump is what I've used for decades.
by lws6772
Thu Feb 27, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Best car tire air pump?
Replies: 17
Views: 1194

Re: California vs. Texas

Native Texan here(for more than a half century). There is nothing in Texas that can compare to that California coast, well worth the price of admission. 8-)
by lws6772
Wed Feb 26, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2817

Re: How did people work out in the past?

There is certainly no shortage of options for working out now days. There are 24 hour gyms, running clubs, yoga, pilates, etc. These all seem to be really new creations. What i want to know is what did people do to work out in the 1950s, 1960s, 1970s, ... before all of this options became available...
by lws6772
Wed Feb 19, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2019

Re: True Detective anyone?

I like it, plus it's got two of my fellow Texans in it, so I'm obligated to watch. It's a Texas thang. 8-)
by lws6772
Tue Feb 18, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5187

Re: REAL inflation rate

HUGE. I went into a McDonald's yesterday with my grandkids for the first time in a long time. Those 3 cookies for $1? They are now $0.39 each! And the price of a Big Mac? I almost fell over in shock. I have to go to McDonald's more often so I can better track REAL inflation. The last time I bought ...
by lws6772
Tue Feb 18, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: REAL inflation rate
Replies: 36
Views: 1738

Re: What to do in Austin, TX

1. Do you get a nice souvenir on the tour the Collings plant? Do they let you strum a guitar or give lessons/coupons? 2. Is part of the Austin river shaped into a lake which is why they call it lake Austin? Really :confused Is there a Ladybird lake? 3. What makes visiting the John Mueller Meat Co s...
by lws6772
Mon Feb 17, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 2818

Re: What to do in Austin, TX

Go to the Habanero Mexican Cafe. As Macho Man used to say, "Oh yeah!". :D
by lws6772
Mon Feb 17, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 2818

Re: Vanguard snowed in.

littlebird wrote:
How the weather in Scottsdale, AZ?


81 degrees and sunny. Not meaning to rub it in, but you asked.

67 in Cowtown. 8-)
by lws6772
Thu Feb 13, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3458

Re: Pet peeve: When people refer to this forum as "Bogglehea

TJSI wrote:People who have peeves for pets drive me nuts.

Sounds like you've got a pet peeve.
by lws6772
Thu Feb 13, 2014 10:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2446

Re: Any less expensive sources for Lipitor?

gatorking wrote:Ask your doctor why Lipitor. Can't Lovastatin do the job (on the $4 menu at Walmart)?

And the nice thing about Walmart's Lovastatin is you can also get a 90-day supply for just $10(although it may be higher in certain states).
by lws6772
Fri Feb 07, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2963

Re: Any less expensive sources for Lipitor?

22twain wrote:The generic version of Lipitor (atorvastatin) costs me about $12 per month at my locally-owned neighborhood pharmacy.

That's a deal right there. Is that with insurance or a cash price?
by lws6772
Fri Feb 07, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2963

Re: Any less expensive sources for Lipitor?

Go to the Costco website and click on pharmacy, then price checker, then look under "a" in the index for atorvastatin(Lipitor). Cheapest price I've seen so far.
by lws6772
Fri Feb 07, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2963

Re: Met a guy at an HFT firm - keeps all his money in cash!?

Lots of professionals are intelligent and well nurtured people. However, this does not mean what they know is accurate or the most efficient way of doing something. A good example is the active management industry. Most portfolio managers earn their CFA and graduated from an amazing university but ...
by lws6772
Fri Feb 07, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Met a guy at an HFT firm - keeps all his money in cash!?
Replies: 26
Views: 2744

Re: Wall Street the Movie

Based on the previews I will save my money.
by lws6772
Sun Feb 02, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Wall Street the Movie
Replies: 30
Views: 2219

Re: What is your definition of "Financially Wealthy?"

100% debt free and a nice net worth.
by lws6772
Sat Feb 01, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9662

Re: Your Experience With Costco Mail Order Pharmacy?

We used them for generic Lipitor. Everywhere else was like 6x the cost. No problems or complaints with them. Fast, easy, and obviously cheap for this drug. Checked some other prices for drugs we use and some a little bit cheaper or a little bit more. How much for the Lipitor and is that with or wit...
by lws6772
Sat Feb 01, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1045

Re: Most Efficient Way to Heat a Home

Ouch, I feel for you folks up North and in the East, $60 is our highest gas ever. Anyway, a really good website to ask about heating a home is hvac-talk.com or you can just google hvac talk and it will come up. Ask your question in the residential section and I hope ya'll get some relief soon.
by lws6772
Tue Jan 28, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5242

Re: SUV Vs Sedan

I would suggest my wife test drive the Accord and the CRV and then choose whichever one she was comfortable with.
by lws6772
Sat Jan 25, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3583

Re: Honda Fit

snip --- What bothers me are all the SUV owners who think they own the road. I have always wondered if aggressive drivers buy SUVs or if they become aggressive after they buy the monsters. I have seen some very aggressive drivers in small cars too. Though I do think big or fast vehicles may make it...
by lws6772
Thu Jan 23, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit
Replies: 35
Views: 3290

Re: Coin Flipping Outdoes Active Fund Managers

What's amazing to me is that there is still so many active fund managers. :shock:
by lws6772
Wed Jan 22, 2014 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Coin Flipping Outdoes Active Fund Managers
Replies: 18
Views: 1698

Re: What's your one big takeaway from the Crash of 2008?

That stupidity is exacerbated by greed. :greedy
by lws6772
Tue Jan 21, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 300
Views: 42795

Re: First Speeding Ticket: What Would You Do?

If I knew I was in the wrong, I would pay up, if not I would fight it.
by lws6772
Sat Jan 18, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4100

Re: Thinning the Herd - what do you do with unwanted DVDs?

How do you end up with unwanted DVDs? There is no limit to the number of times I will watch the Sound of Music, American Graffiti, or West Side Story (if spread out over a suitable number of years). But there may be a limit to how many times you might watch "The Little Mermaid", especiall...
by lws6772
Fri Jan 17, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Thinning the Herd - what do you do with unwanted DVDs?
Replies: 69
Views: 4176

Re: The Funniest Movie Ever

The Big Lebowski.
by lws6772
Thu Jan 02, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10637

Re: Single & Frugal or Coupled & (Financially) Incompatible?

Choose very wisely or you will eventually end up single again and perhaps even more frugal. :oops:
by lws6772
Wed Jan 01, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5597

Re: Mega Millions jackpot to $636 million

Yes, I am this time. Went to my local taco place today where I normally spend $3.29 and the manager didn't charge me, but just said "Merry Christmas". So I took the $3 and bought three tickets. If I win, she is in for a very Merry Christmas of her own. :happy
by lws6772
Tue Dec 17, 2013 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Mega Millions jackpot to $636 million
Replies: 82
Views: 3953

Re: If index funds didn't exist, what would you do?

bertilak wrote:I would do what I'm doing now: Use Wellington and Wellesely.

Good answer. 8-)
by lws6772
Sun Nov 24, 2013 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: If index funds didn't exist, what would you do?
Replies: 60
Views: 2460

Re: Bond question

MitchC wrote:What bond funds are earning any $ these days ? Not too many. Go all stock for now.

Which stock fund/funds do you have for now?
by lws6772
Sat Nov 16, 2013 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Bond question
Replies: 28
Views: 1354

Re: Want 18% returns?

Abe wrote:You can make a lot of money doing this if you are knowledgeable. Yes, there is risk. There is risk in everything.
"Real risk was not volatility; real risk was stupid investment decisions" - The Big Short, 2010.
by lws6772
Fri Nov 15, 2013 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Want 18% returns?
Replies: 43
Views: 6972

Re: Planning my death

I will just tell you what I have actually been doing. Not a recommendation, seriously not. I would tell my wife to but it into a Target Retirement that I pick (updated every five years before I die) then to withdraw no more than 4% of the balance each year. It would not be a perfect portfolio( I co...
by lws6772
Tue Nov 12, 2013 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning my death
Replies: 41
Views: 3344

Re: Why are CD rates less than savings account rates?

kenyan wrote:I wondered this back in ca. 2006: why would I ever lock my money in a 5-year CD yielding 4-5% when I could just invest it in high-interest savings at 5%.

I found out the answer over the next several years.
Or how about 6% for 7 years, that matures next year. :D
by lws6772
Thu Oct 31, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why are CD rates less than savings account rates?
Replies: 9
Views: 1679
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