Search found 310 matches

by rotorhead
Tue Jul 28, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2961

Re: Why is stock market so reactionary to news on daily basis?

I always loved this old cartoon from The New Yorker. It comes from long before CNBC, Fox Business, Bloomberg; or any of the other 24-hour news channels. I think of it every time I watch one of those channels for more than a few minutes. http://imgc-cn.artprintimages.com/images/P-473-488-90/61/6147/U...
by rotorhead
Tue Jul 14, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Refrigerator repair issue
Replies: 8
Views: 968

Re: Refrigerator repair issue

While waiting for your ace repair team to show up, take a look at http://www.appliancepartspros.com/ Lots of good information and help there. Click on the "Get Repair Help" tab, and follow the leads. I have found it immensely helpful.
by rotorhead
Fri Jun 12, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Best place to purchase a summer hat
Replies: 26
Views: 2980

Re: Best place to purchase a summer hat

Your local golf shop should have a reasonable selection of hats.
by rotorhead
Mon May 11, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 1071

Re: dishwasher service plan

Re: dishwasher service plan Report this post Quote Unread postby Pajamas » Fri May 08, 2015 6:31 pm The advice you are being given is good. Some appliance companies derive their entire profit from selling the service or warranty plans. Years ago, I was with a friend buying a television at one of th...
by rotorhead
Mon May 11, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1912

Re: Florida Homeowners Insurance

Homeowners insurance in Florida is a hotly debated, and contentious issue; with politics playing a significant role. We have been here 20 years; and our hazard insurance is with USAA, and windstorm coverage is with Citizens. Flood insurance is administered by USAA, but is underwritten via the Nation...
by rotorhead
Mon May 11, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 7939

Re: International - Who really is at 40%

Int'l allocation plan is 27%, currently sitting at 24.5%. No changes foreseen.
by rotorhead
Mon May 11, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6740

Re: Which Company Do You Have Auto Insurance With?

USAA for auto and home. 49 year member.
by rotorhead
Tue May 05, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: French press recommendation?
Replies: 32
Views: 2515

Re: French press recommendation?

Don't know if they are still made or not, but we've had a Bodum for long time. Don't use it that much anymore, but it makes good coffee.
by rotorhead
Tue May 05, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3336

Re: How do you keep track of your investments?

Postby tractorguy » Mon May 04, 2015 4:56 pm I use Quicken Premier on a Windows computer. Cost at Amazon (don't buy direct from Quicken) is $69.00 for Quicken Premier 2015 (which is the version you would need to buy). This will give you automatic downloads of all transactions from your Vanguard &am...
by rotorhead
Tue May 05, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: Frugal car maintenance - Lexus serviced by Toyota
Replies: 49
Views: 4046

Re: Frugal car maintenance - Lexus serviced by Toyota

Re: Frugal car maintenance - Lexus serviced by Toyota Post by livesoft » Tue May 05, 2015 5:02 pm If I could piggyback, how about collision damage and body work? Do folks get collision damage on a Lexus repaired at Toyota, Lexus, DIY, or elsewhere? What has been your experience? We have personal ex...
by rotorhead
Sun May 03, 2015 1:52 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 6536

Re: Polls Disabled

I am glad to see the polls disappear. I thought they were a distraction at best, and at worst a nuisance. Bogleheads Forum is a terrific resource, which I personally find enormously informative and helpful. And we all enjoy it for free. It surely consumes a lot of Alex's and the mod's time; and if t...
by rotorhead
Sun May 03, 2015 7:04 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 2171

Re: Telemarketing by Cell /Increase with Consumer Cellular

We are Consumer Cellular customer for nearly 3 years now, ported 2 numbers over from AT&T; and have never received spam call nor text on either phone. Added a 3rd phone, with new CC assigned number about 10 months ago; and no spam calls on that one either. Maybe we're just lucky. Will post a fol...
by rotorhead
Fri May 01, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Leaving our financial advisor over a period of months
Replies: 33
Views: 2955

Re: Leaving our financial advisor over a period of months

mintee, you have to approach this as a business decision, not as a personal thing; as earlier posters suggested. The emotional and personal elements are what makes handling money and investments difficult. Takes many people a long time to learn this, and how to deal with it. Open your account with t...
by rotorhead
Fri May 01, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: what deductible for HO insurance is most cost-effective?
Replies: 8
Views: 613

Re: what deductible for HO insurance is most cost-effective?

My rule of thumb is take the highest deductible one can reasonably afford without "breaking the bank", in the event the unthinkable happens. The premium cost differential adds up over time. Our financial situation is such that I don't feel uncomfortable doing that.
by rotorhead
Fri May 01, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Oh Hail! [fix hard to see hail damage to car?]
Replies: 25
Views: 2031

Re: Oh Hail!

Re: Oh Hail! Postby parsi1 » Fri May 01, 2015 9:07 am did you get the same hail storm at your house? if you did my suggestion is to get your roof also inspected by a roofer (not your insurance company). I echo that suggestion. Some years ago, a widespread hailstorm hit our area. House had asphalt s...
by rotorhead
Wed Apr 29, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: New car every 5 years instead of 10?
Replies: 129
Views: 11171

Re: New car every 5 years instead of 10?

Re: New car every 5 years instead of 10? Post by DireWolf » Wed Apr 29, 2015 8:55 pm vitaflo wrote: This. If you trade in a car with shot breaks and bad tires, don't expect as high of a trade in. There is no free lunch. Point well taken. But as of right now the brakes and tires are still good. But ...
by rotorhead
Wed Apr 29, 2015 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity rollover to Vanguard
Replies: 25
Views: 2140

Re: Fidelity rollover to Vanguard

With my SEP IRA I have access to all the funds that Fidelity has to offer because it's not a 401 plan. My thinking was that a rollover once a year for the next 30+ years doesn't seem so bad to me if it means I can save .02% or more in ER fees each year that would equate to over half a %. - Ashley <...
by rotorhead
Wed Apr 29, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity rollover to Vanguard
Replies: 25
Views: 2140

Re: Fidelity rollover to Vanguard

Also Vanguard is a non-profit company, and I like that. :D That fact alone won't put anymore money in your pocket. I agree with the others you are perhaps over thinking the matter. Without knowing which Fidelity funds are available in your company 401 plan, we couldn't offer any specific advice; bu...
by rotorhead
Mon Apr 27, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 3304

Re: Prepping a house for sale: What are the priorities?

We had many rooms painted in neutral colors. Even though I don't love the colors, I can understand how this makes it easier for buyers to envision their own furniture here. (While some buyers are astute, many lack imagination.) Many years ago a well known, and quite successful realtor in our town w...
by rotorhead
Mon Apr 27, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help Choosing Survivor Pension Option (50% vs 100%)
Replies: 25
Views: 2083

Re: Help Choosing Survivor Pension Option (50% vs 100%)

wilked, there was a message thread on this subject a couple of years ago. Here is link: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=121661 You can see my comments at the time about 2/3 way down. I will soon be retired 12 years, and still think I made the right decision to take 100% pens...
by rotorhead
Sat Mar 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: expat teacher no pension question about saving fo retirement
Replies: 10
Views: 1212

Re: expat teacher no pension question about saving fo retire

Garfield, I join the others who recommend not buying a home or condo just yet. Wait until you have very good idea where you will settle, then start looking. If you continue investing wisely as you have been doing, your gains will more than make up for any equity you might gain by buying a house now....
by rotorhead
Thu Mar 05, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 5026

Re: Oil & Vinegar

Re: Oil & Vinegar

Post by batpot » Mon Mar 02, 2015 4:15 pm

I've got nothing to contribute, but posting here will make this thread easier to find in the future.
:sharebeer


+1. What a great thread - definitely a keeper!

:sharebeer
by rotorhead
Sun Mar 01, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to Choose a Realtor to Sell Condo
Replies: 5
Views: 466

Re: How to Choose a Realtor to Sell Condo

Type "choosing a realtor to sell a condo" in your search bar, and you'll get 14+ million hits. No doubt you will find something worthwhile there.
by rotorhead
Sun Mar 01, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2647

Re: iphone upgrade dilemma

I guess LadyIJ was a "drive by" poster. Haven't heard a peep from her since original post on Jan 30th. So much for our advice. Hope she found happiness.
by rotorhead
Sun Mar 01, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3143

Re: iPhone upgrade

Post by boroc7 » Sun Mar 01, 2015 4:40 pm rotorhead wrote: By the way, you didn't say how your old iPhone 4's are failing. Could be something as simple as an OS upgrade would make a big difference. I upgraded my wife's i4S recently to OS 8.1, and it's working like a champ. My 5-year old Samsung Gal...
by rotorhead
Sun Mar 01, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3143

Re: iPhone upgrade

OP, Re: iPhone upgrade Post by Atgard » Sun Mar 01, 2015 12:40 am Lee, the "trick" is that you're paying an extra $25-$30 per month ($300-$360 per year) for the right to buy a new iPhone for $199 every 2 years (with 2-year contract). In other words, instead of paying normal retail price fo...
by rotorhead
Sun Mar 01, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1517

Re: Replace or repair dishwasher

verbose, before you make any decision to replace the dishwasher, you might want to take a look at http://www.appliancepartspros.com/ . Click on the "Get Repair Help" tab, and see how you go. They sell parts, but there are excellent "how to" videos for repairing all manner of home...
by rotorhead
Sat Feb 21, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cell Phone Plan Shopping
Replies: 16
Views: 2456

Re: Cell Phone Plan Shopping

There have been dozens of threads on this subject on this forum. Just type in "cell phones" in the search box upper right; and follow the links. Lots of information there.
by rotorhead
Thu Feb 19, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 13
Views: 1641

Re: Any success stories negotiating with AT&T

As an update to my earlier post, I just got off the phone with AT&T; and am happy to report that my U-verse rate (Phone & Internet) for the next year will actually be $3.50 per month less, with slightly faster connection speed. Don't really understand how the package discount was calculated;...
by rotorhead
Wed Feb 18, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 13
Views: 1641

Re: Any success stories negotiating with AT&T

There was a thread on this subject last year. The following was my response at the time. My provider is AT&T, and I'm getting ready to do the same again for 2015. Have your facts handy, and insist to be treated as a valued customer. Re: Keeping internet provider without price hikes Postby rotorh...
by rotorhead
Wed Feb 18, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: Moving to Anchorage from Dallas
Replies: 30
Views: 2979

Re: Moving to Anchorage from Dallas

Hope you like cold weather. Lots of sunshine in the summer. Cost of living pretty high. I think it's not until you've been there a little while, until it sinks in the "lower 48" are pretty far away.
by rotorhead
Wed Feb 18, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is it true VTSAX Total Market fund...
Replies: 15
Views: 1742

Re: Is it true VTSAX Total Market fund...

If you want another source for accurate info, take a look at these two links:

http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US

http://portfolios.morningstar.com/fund/summary?t=VTIAX

I own them both; excellent funds.
by rotorhead
Sun Feb 15, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 5321

Re: Does anyone like the new Toyota/Lexus grilles?

As Lexus owner since 1994, I have very disappointed by their style changes, both interior and exterior, since 2007. Don't really care for them at all. My wife's car is 2002 RX-300. It's "right sized" and still looks good after 12 1/2 years. The new models have grown too large and heavy; an...
by rotorhead
Tue Feb 03, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 137
Views: 19843

Re: Is it time to give-up on TIPS?

Re: Is it time to give-up on TIPS? Post by linenfort » Tue Feb 03, 2015 7:10 pm Very useful thread! Very useful thread indeed!! I'm enjoying the discourse very much. I'm in draw down stage, with 30% of fixed in TIPS. I appreciate the "insurance" aspect, as my pension is fixed; and if I li...
by rotorhead
Tue Feb 03, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 3256

Re: Fidelity or Vanguard

In my working years, my company 401k was managed by Fidelity. After retirement I rolled it over to Fidelity. Have been very satisfied with them. They have a retail store near our home, so that's an advantage; though I've only been over there 2 or 3 times. Online customer service is excellent. They n...
by rotorhead
Sun Feb 01, 2015 11:21 pm
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2647

Re: iphone upgrade dilemma

OldLearner is correct. I re-checked, and I erred slightly earlier. CC don't charge shipping costs nor any finance charge. However, they do collect relevant sales taxes due wherever you live.
Still not a bad way to do business.
by rotorhead
Sat Jan 31, 2015 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Figuring Out Bond Exposure
Replies: 3
Views: 423

Re: Figuring Out Bond Exposure

You will have to do some of the math yourself, but here is good place to start. Morningstar info on the Vanguard Total Bond Fund (VBMFX) http://portfolios.morningstar.com/fund/summary?t=VBMFX&region=usa&culture=en-US & Intermediate Term Investment Grade (VFICX) http://portfolios.mornings...
by rotorhead
Fri Jan 30, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best Personal Finance/Budgeting Online tool for a Newbie?
Replies: 24
Views: 1930

Re: Best Personal Finance/Budgeting Online tool for a Newbie

A quite effective tool for budget planning is the 50/30/20 Rule of Thumb. http://budgeting.about.com/od/financial_rules/a/The-50-30-20-Rule-Of-Thumb.htm You can create a spread sheet easily to set it up; and very quickly will be able to see what your status is, and what you need to concentrate on. I...
by rotorhead
Fri Jan 30, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 19
Views: 2647

Re: iphone upgrade dilemma

LadyIJ, my suggestion would be to separate the phone from the service agreement. Better to pay a bit more upfront, then save it all back quickly with lower cost service plan. Before you make any decision I recommend you talk to Consumer Cellular https://www.consumercellular.com . They are a pretty g...
by rotorhead
Fri Jan 16, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 23641

Re: Amex Fidelity CC 2% Cash Back

Leesbro63 wrote: midareff wrote: BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the administrator of the card) helped me make sure it wasn't bounc...
by rotorhead
Fri Jan 16, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 23641

Re: Amex Fidelity CC 2% Cash Back

Re: Amex Fidelity CC 2% Cash Back Post by Leesbro63 » Thu Jan 15, 2015 12:31 pm midareff wrote: BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the...
by rotorhead
Tue Jan 13, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4473

Re: Time for a new dentist?

When my wife and I were considering changing from our quite good, but very expensive, dentist a few years ago, I asked my personal doctor during a routine consultation if there was anyone he could recommend. He didn't hesitate to recommend the dentist that he and his family used. We made the change ...
by rotorhead
Sun Jan 11, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC as emergency fund - what am I missing?
Replies: 11
Views: 1758

Re: HELOC as emergency fund - what am I missing?

Post by papiper » Sun Jan 11, 2015 12:32 pm My experience with a HELOC has been very positive. I view the HELOC not as an emergency fund, but a tool to handle short term unexpected cash flow needs to give me time to make effective financial moves with my other assets. That's exactly what we do as w...
by rotorhead
Sun Jan 11, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 2015 available from Amazon for $49.99
Replies: 2
Views: 555

Re: Quicken Premier 2015 available from Amazon for $49.99

It's also available at Costco for $49.99 (mfr's instant rebate). I just got it last week. The 2015 version includes a modified form of M* Portfolio X-Ray; and it's not too bad actually.

I still wish Quicken did a better job of sorting out Lg, Mid & Sm Caps; but I've learned to live with it.
by rotorhead
Fri Jan 09, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Payless Car Rental
Replies: 9
Views: 1369

Re: Payless Car Rental

A neighbor of ours just did a Payless one-way rental from Miami to West Palm Beach. The return at WPB airport was done via the Budget Rental office. Not sure what the connection is there; but having using Budget many times in the past, I think that might be a good sign. You might want to check out t...
by rotorhead
Thu Dec 25, 2014 12:39 pm
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 2036

Re: Electric Stove question

shawcroft, you've likely solved your problem by now; but for future reference and use, the website AppliancePartsPro http://www.appliancepartspros.com/ is a terrific resource for troubleshooting, repair videos, and ordering the parts required. I have used them numerous times with considerable succes...
by rotorhead
Sun Dec 21, 2014 12:28 pm
Forum: Personal Consumer Issues
Topic: Florida Turnpike Toll-Rental Car
Replies: 5
Views: 994

Re: Florida Turnpike Toll-Rental Car

There are still a lot of exits that take cash. Here is link to all of them. Do your research, and plan accordingly.

http://www.floridasturnpike.com/tools_interchanges.cfm

Lovely weather now. Enjoy your trip.
by rotorhead
Fri Dec 19, 2014 6:50 pm
Forum: Personal Consumer Issues
Topic: Having Trouble Finding a Used Car - Would you Hertz/Enterpr?
Replies: 20
Views: 2023

Re: Having Trouble Finding a Used Car - Would you Hertz/Ente

If you are a discerning buyer, you should do OK buying a car from them. I have sold a car with the help of Auto Trader.com http://www.autotrader.com/ , and located one which I eventually purchased, after looking at several others. It's a very good resource for seeing what's available in your area, a...
by rotorhead
Thu Dec 11, 2014 10:49 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 8938

Re: What's wrong with VTIAX?

Thank you Taylor, for the acknowledgment. As I was re-reading Zweig's article, I was just absolutely struck by his emphasis on "reversion to the mean"; and why it's best to do nothing some time - if you have a good plan, and are comfortable with your AA. Hard to do with all the noise out t...
by rotorhead
Thu Dec 11, 2014 4:28 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 8938

Re: What's wrong with VTIAX?

by riptide » Wed Dec 10, 2014 12:14 pm rotorhead wrote: Riptide, don't get discouraged. Decide on your investment plan, and stick with it. If it's a good plan, you will do OK long term. Others have offered some good advice here. My VTIAX was +14.6% for 2013; but it is at -2.5% YTD as I write this. A...

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