Bogleheads.org

this sounds like a good time to mend some fences with a neighbor. But sounds like you don't want to even consider that nor do you want to take the time to put your undies in your dresser. So go ahead and refuse the inspection, then when the construction does do damage, have fun fighting with the nei...

Give PlayOn a try. http://www.playon.tv/buy/ Playon will allows one to stream hulu (not the subscribtion hulu +) as well as ABC, NBC, CBS, and dozens of other channels video from their website. I have it and I'm rather happy with it. More happy than with my Roku, which I've label my substribtion del...

I just heard about the Chinese ZTE V970M (which I think is almost identical to the V970 and N986??) as an unlocked phone sold on Amazon for $220.....sounds very similar to, and almost as good as, a Nexus 4, plus has expandable memory (which I REALLY like) and dual SIMS (which I don't need but may b...

below is the schedule I'm using for both my children. I split equities in 66%/34% domestic / non-domestic. "Cash" will either be TIPS, Money Markets or combination of the two. I have a few years to decide that. I view each 529 as separate portfolios as well as separate from each other. rig...

I have an ipad also (a regular one). It is a "wifi only" : no data subscription. I use it at Starbucks, Safeway, the public library, Home Depot and any other place that has free wifi. Many restaurants have free wifi, but you have to ask them for the password. Very easy to use. In addition...

The particular rep sent me an email saying that they could reduce my rate from 4.5% to 3.875% while covering all but $900 of the closing costs. Don't know where you are at, but my bank is offering 3.875 with NO closing costs and 3.50 / 3.569 rate/ apr. What is the apr? That is what you need to be l...

Completely gutting and redoing upstairs bathroom in the Summer...anyone who did this in the past, was there anything you would change or do differently if you had to do it again? Lucky3 I just completed a remodel of my master bath. Gutting to the studs in the shower and from 48" down in the re...

Body shop rough estimate was $5000. It's worth about $3000 in a private sale, so it would seem not worthwhile to repair it. You are correct, it isn't worth it at all. Put this way, would you had payed 5k for your car last night? Of course you wouldn't have. Why would you do it now? There is a reaso...

I can think of two possibilities: 1. Using an available local WIFI signal. Some PCs will tell you if there is a WIFI signal available. If there is you may be able to access it. If a neighbor has installed WIFI they may let you us it or you can make then an offer of say $10 a month to use their sign...

How much do these antennas cost for viewing OTA channels? I see they are in the $7-70 range on amazon/best buy, but don't know which ones work and provide good reception. One can use http://http://antennaweb.org/Address.aspx/ to give them an idea the type of antenna one would need to get for a give...

I've had my phone service from my cable company for 3+ years now. No regrets. That being said, I want to cut my home land line service and so as I get approval from wife, I'll do it. With both of us having cells, I don't see the need for it.

I just ditch our cable bill in favor of a combination of OTA, a Roku, and PlayOn. It hasn't been a week yet, but so far so good. What makes it for me is the PlayOn. The benefit of PlayOn is they allow the streaming of basic HULU that the Ruko doesn't. Playon also allows streaming of video that is av...

Where did you do the comparison on Amerisave? We do have excellent credit...scores are in the low 800s. This was the only refinance quote we got. What fees do you think could be negotiated down? I would look for other quotes rather than try to negotiate. Seems a little high to me. I took a look at ...

Does anyone know of the legal law firm calls Legally Mine who specializes in Asset protection? Does anyone know of the legal law firm calls Legally Mine who specializes in Asset protection? I took a lecture course given by the firm to satisfy my continuing education credits for my professional lice...

I calculate the cost difference the two loans to be $1516 or ~ 25 / month.

JerLon wrote:...I expect to spend significantly more per month ($10,000-$25,000) and be reimbursed for all of those expenditures....

How often can you turn in expenses and how often will you get reimbursed? The reason I ask is that you can pay the CC more than 1x a month.

travellight wrote:My plumber and hvac guys charge $79-100/hr as solo practitioners, so yeah they do make more than you.

They may gross 100/hr but no way do they net that much. Their expenses are going to drop that hourly rate considerably.

Bill Gates did not go to college.

He went to harvard for two years.

I believe the biggest risk is not someone stealing my userid, password, man-in-the-middle, etc, but the institutions themselves being hacked.

Bowers & Wilkins makes very nice speakers. However, don't buy on spec, go listen to them with some of your favority music. good luck to ya.

I'll be eliminating my WEP, based on info in this article: How to Reduce or Eliminate Windfall Elimination Provision Impact to Your Social Security Benefit Feb 15th, 2013 by Jim Blankenship. http://financialducksinarow.com/6135/how-to-reduce-or-eliminate-windfall-elimination-provision-impact-to-you...

I don't think WEP is fair to ANY EXTENT. Wife paid into SS at full rates every month; get something way less out at retirement. Curious, how many months did she contribute with "substantial" wages as defined by SSA? 76% in our case is correct as she gets caught at the very most WEP reduct...

This provision is applied so randomly across the board as Railroad Retirement beneficiaries even though they are covered outside of SS still can draw SS checks unaffected by WEP. Same holds true for State University employees. I know it doesn't apply to RR employees, as they always have special rul...

davebarnes wrote:What is wrong with a PAPER map?

Just to pile on....Nothing is wrong with a paper map, just like nothing is wrong with using a phone book for numbers, or a hard back encyclopias for information, or pen and paper writing for reports and a typewriter to finish it, or graph paper for diagrams, etc etc.

I use Firefox with the Yahoo home page. I used to go to http://www.yahoo.com. Now I have to go to http://www.yahoo.com/?fr=fp-yie9 or it tells me requested page not found. However, when I try to sign in to yahoo, it signs me in but then tries to go to http://www.yahoo.com and gives me the requested...

My wife and I have been trying to find someone who can give us advice on how to either fill in, cover over, or remove the in ground pool in our back yard. So far we have had no luck. Do any of you Bogleheads have any ideas and/or can tell us what kind of a company does this type of unique work. Tha...

What assets do you have to protect? Car(s), house(s), etc?

For life, and I maybe contrarian on this, but I don't believe you would need anything more than employee sponsored life ins given your situation.

I believe the lower cost share classes is due to high loads upon purchase or redemtion. None of the listed share classes have loads. PTRRX Front load 0.00% Deferred load 0.00% Max. redemption fee 0.00% Total expense ratio 0.46% That isn't what I found for PTTAX PIMCO Total Return Fund Class A MUTF:...

PIMCO Total Return R PTRRX 1.1% PTTRX PIMCO Total Return Instl 0.46% PTTAX PIMCO Total Return A 0.85% PTTCX PIMCO Total Return C 0.75% Are they actually charging loads on these funds? If not, why should anyone choose anything but the lowest cost fund of these four? As I mentioned before, only the f...

Does anyone know when women were finally allowed to inherit real estate and money in the UK? I don't know if inheriting real estate and other items (like securities and cash) were treated separately. Besides "Downtown Abbey", many famous novels like "Sense and Sensibility" and &...

Which were likely to have been ruined, the mid-range, tweeter, bass ? Or is there a way to test them ? Or buys whole new set. A visual inspection does not show anything of consequence. Thanks well....are you sure its the speakers that have been damaged? The amp section of your reciever may have bee...

Is there anyone working in a profession where they are dealing with creating SQL on the daily basis? Any helpful tips to help someone who is looking into learning this for themselves? I'm attempting to learn this now due to possible career advancement.. I am in a full time position and have graduat...

Read this: http://www.matrixhifi.com/ENG_contenedor_ppec.htm it might help. You'll see even experts can't reliably tell the difference between inexpensive "good" equipment and top end "excellent" equipment. Then take 2 aspirin and go to bed until the urge to spend more goes away...

Take it to a scrap yard or sell yourself. You will get nothing from your insurance company.

I'm still loving my ole' reliable 2001 Grand Prix and hoping to get a couple more years out of it before upgrading. However I'm just starting to look around and do some research on what my options will be when the time comes. I think I'd like to stick with something in the realm of the Grand Prix.....

My income is not high enough to worry about jail time for a mistake on my tax returns. The bar for jail time is rather higher than "mistakes". exactly. The IRS thought I had not declared ~10k in income for tax yr 2010. All they wanted was the money. I suppose if I ignored them long enough...

It is Kerdi and the manufacturer states only drywall is needed. Exactly, blue or green or white for that matter. Tom Silva and those on his show are pros. When they use it, I would be confident that they would do it correctly without any leakage. I would not be as conifdent in my own abilities to e...

... I used the preformed shower pan and Kerdi sheeting over blue board which is code approved. I may be wrong but I was told that green board is no longer up to code. Good luck You used a topical waterproofing method. Kardi sheeting prevents water from getting to your blue board. So in theory, any ...

Cement board is not waterproof so you'll still have to waterproof the floor and walls (especially on the second floor) using conventional methods or something like the Schluter system (http://www.schluter.com/). Might be cheaper to use a preformed pan out of cast iron/porcelin or fiberglass althoug...

Thanks all for the suggestions, and I hope I can get some more. A few thoughts responses: - I would love to have a double vanity but alas, at 52" or less room for one, I have found only 1 and it was rather costly and imho, ugly. - I'll take a look at water saving features, but I must confess, t...

I'm in the process of remodeling our small(appx 5 x 10) master bath. That leaves room for a 48" vanity, toilet, and 34x48" shower. Question is what are some nice features I should be looking at while I have the walls to the studs and flooring yet to be installed. I looked at radiant floori...

I tilt with SV, REIT Commodities and some HY in bonds. I thought I was the only person here tilting with SV, REIT and HY. Admitting to owning HY in particular is not looked in great favor around here. That being said, I had HY before I completly settled on my asset allocation and just don't want to...

...and 57-22-21 large-mid-small in domestic stock allocation... Well... I would lose Windsor and it may be slightly easier to hold TSM then tilt to small cap rather than to hold the four funds. Actually, this is exactly what I did a few years ago. I had Windsor + 500, mid, and small cap. Moved to T...

As a follow up to my other thread, I am interested in feedback from bogleheads on negotiating the price on a new furnace. Specifically, did you negotiate? If so, did you get a discount of the initial quote? If so, what was the percent? Or, did you get other stuff thrown in the deal for "free&q...

2005 Chevy Avalanche with 113K. Everything works except that the honker no honks. But that's probably God's way of making me a more considerate driver. However my quest to educate those that do not use turn signals, that drive exactly the speed limit on a freeway in the far left lane, and that cann...

I don't get hung up on spam. But then I don't get too much of it. I find yahoo and gmail do respectable at filtering spam. To me, having seperate email accounts would be like having seperate post boxes. The issue isn't spam. It is security. Some financial institutions use your email address to send...

I don't get hung up on spam. But then I don't get too much of it. I find yahoo and gmail do respectable at filtering spam. To me, having seperate email accounts would be like having seperate post boxes.

We have been using a simplicity vacuum for ~15yrs on carpet, hardwood and tile. Works great. American made if that is important to you. It might be more expensive(~530 msrp) than others, but I would say worth it. When we had a cleaning service, the lady said it was her favorite vacuum of all her cus...

we have a Low-profile convection heater, sorry can't remember the brand. It works like a champ to heat(more like take the chill out of the air) our bedroom. We turn it on when we start to get ready for bed at night and usually turn it off before we hit the lights. It quite and puts out a nice even h...

Yeah, the float seems to be ok. It actually drains when I select the "rinse only" option but not when any of the clean cycles are selected. I'm thinking it might be the control panel?