Search found 6116 matches

Return to advanced search

Re: How to clean an acrylic tub?

I found that I could easily clean scum from a tub by just applying the cleaner and then waiting 15 minutes or more before removing it. This was not in the instructions on the bottle but it worked well. Sorry, I don't recall the cleaner I used. I don't clean tubs often, but my wife was complaining ab...
by tadamsmar
Sun Sep 21, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 7
Views: 206

Re: 1031 exchange

I got some advice from this NC firm:

http://www.invtitle.com/exchange-services

but I just considered a 1031 and did not complete it.
by tadamsmar
Sun Sep 21, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1031 exchange
Replies: 2
Views: 115

Re: The Roosevelts, PBS special

Comments by George Will Very interesting comments by George Will last night (did I hear this right?) ranking George Washington, Abraham Lincoln, and FDR at the top of the list. The aggregate of many ranking has Lincoln, FDR, Washington as the top 3 in that order: http://en.wikipedia.org/wiki/Histor...
by tadamsmar
Sun Sep 21, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 87
Views: 6087

Re: Are SPIA's fairly priced? - A quick and dirty analysis

The OP analysis did not include adverse selection. The self-selected SPIA buyer lives longer than average. And modern genetic analysis is making the adverse selection problem worse.

The margins are probably thin in the SPIA business, there is lots of competition and it's a commodity.
by tadamsmar
Sun Sep 21, 2014 6:35 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 65
Views: 2740

Re: So what the benckmark SWR for a 25 year retirement?

Not much different for 25 years, still around 4%. In fact, if you just put $1M into a bank account, it would be easy to remove 4% per year and deplete it entirely in 25 years, with a very modest sub-inflation increment each year, since 4% x 25 = 100%. But as you realize, these numbers are just gues...
by tadamsmar
Sat Sep 20, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: So what the benckmark SWR for a 25 year retirement?
Replies: 14
Views: 866

Re: You may want to rethink the odds of ever needing LTCi

So why Don't we see recommendations not to buy homeowners insurance? Actually I thought about this a fair bit. Reasons I came up with: 1. Cost for a LCTi policy is often much higher than homeowner's. That means the lifestyle tradeoff may be negligible in one case and substantial in the other. 2. LT...
by tadamsmar
Fri Sep 19, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 63
Views: 6166

Re: Buffett: Modern investment theory is horse-pucky

He has a long history of advocating GrahamandDoddsville over the EMH with no qualifications about the limit on the number investors who can do it Whether or not you are using Modern Financial Engineering vs. Graham &Doddsville would not seem to distinguish how many investors can crowd into the ...
by tadamsmar
Fri Sep 12, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 9523

Re: Buffett: Modern investment theory is horse-pucky

The notion that everyone can move over to GrahamandDoddsville and beat the market is horse-pucky. But I guess it's possible that it's not too crowded over there yet, huh?: http://www.grahamanddoddsville.net/ Who had that notion? That isn't what Buffett is saying at all is it? Buffet contradicts him...
by tadamsmar
Fri Sep 12, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 9523

Re: Buffett: Modern investment theory is horse-pucky

The notion that everyone can move over to GrahamandDoddsville and beat the market is horse-pucky.

But I guess it's possible that it's not too crowded over there yet, huh?:

http://www.grahamanddoddsville.net/
by tadamsmar
Fri Sep 12, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 9523

Re: So, when does a market timer get back in?

There is a bell that goes off when the market hits a top and there is a bell that goes off when it hits bottom,you have to pay close attention or you will miss it,,, :happy They ring that bell on the morning of the bottom, and they ring it again the morning of the top. It's 100% predictive in that ...
by tadamsmar
Thu Sep 11, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5518

Re: V6 or V8 engine for new Chrysler 300

I am thinking about buying a Chrysler 300, which comes with either a V6 or V8 engine. The V8 costs a little more and uses a little more gas and I don't really need that extra power, but will the V8 last much longer than the V6? The V8 might last longer, not sure. But I think you are asking the wron...
by tadamsmar
Thu Sep 11, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1678

Re: Hiring your kids

Hiring your kids can be a good legal tax avoidance procedure, here is something on how to keep it legal:

http://www.nolo.com/legal-encyclopedia/ ... ldren.html
by tadamsmar
Wed Sep 10, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hiring your kids
Replies: 34
Views: 2099

Re: Should I keep my HSA?

I was in a similar situation. I drew it down and eventually liquidated it tax-free when I finally accrued sufficient qualified expenses. Can't say it was the exact right economic decision, but keeping it was a hassle and the pros of keeping it (if any) were relatively minor because it was relatively...
by tadamsmar
Tue Sep 09, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I keep my HSA?
Replies: 11
Views: 859

Re: Good Modern Science Fiction

I recommend The Ultimate Hitchhiker's Guide to the Galaxy by Douglas Adams The 4 (or was it 5?) book trilogy. The Radio Series which spawned it is also excellent if you can get it on CD. It was a trilogy in 5 books. And there is now a 6th written by someone else authorized by Adams' widow. And Adam...
by tadamsmar
Tue Sep 09, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5309

Re: Good Modern Science Fiction

I recommend The Ultimate Hitchhiker's Guide to the Galaxy by Douglas Adams
by tadamsmar
Mon Sep 08, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5309

Re: Good Modern Science Fiction

Here's my favorite science fiction story, "They're Made out of Meat", in its entirety: http://www.terrybisson.com/page6/page6.html Terry Bisson is the author, perhaps so of his other stories are good also. This fine video has a the story (or a version of it) as the script: https://www.yout...
by tadamsmar
Mon Sep 08, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5309

Re: Longevity Risk: My Money or Your Life

nisiprius wrote:I am skeptical about true life extension, although that may be sour grapes because if we do get it, it will be too late for me.

Do those grapes have resveratrol in their skins?
by tadamsmar
Mon Sep 08, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Longevity Risk: My Money or Your Life
Replies: 22
Views: 1455

Re: Why does the stock market "always go up"? Will this pers

The answer is pretty much the same as "Why do you make money on a rental property?". It's not a sure thing, but overall on average and over time businesses make money, the stock holders own a piece of that.
by tadamsmar
Mon Sep 08, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 3822

Re: How do you keep your electricity bill low?

Since our electric utility discontinued that program - primarily since under deregulated power, they no longer need to generate but buy power from many sources, at many hours of the day, TOU has generally gone by the wayside. In our area the TOU rates are still available, they just discontinued the...
by tadamsmar
Sat Sep 06, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9163

Re: Going to be need to purchase a new car soon, need help

You should consider getting a car with stability control since it's by far the most important recent safety feature - a car without it has a 50% higher fatality rate. Here's info on how to shop for a used car with it: http://epicurusgarden.blogspot.com/2011/09/how-to-buy-used-car-with-esc.html You a...
by tadamsmar
Sat Sep 06, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Going to be need to purchase a new car soon, need help
Replies: 33
Views: 2450

Re: Warning level

The Wizard wrote:But I can't say I recall the OP being especially snarky.


You don't have to be snarky. I once got a warning for posting a naked link (a post consisting of a link with no text). Any forum policy violation can result in a warning.
by tadamsmar
Fri Sep 05, 2014 11:18 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2275

Re: How do you keep your electricity bill low?

An analysis of my electric bills (on an entirely electric home, at 2400 sq ft in the mid-Atlantic area) for the last few years costs me just over 3% of my total expense budget ( not 3% portfolio withdrawal :oops: ). For that expense, which gives me so much in return, I'm not complaining nor do I fe...
by tadamsmar
Fri Sep 05, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9163

Re: Warning level

Munir wrote:One more question. Does the "warned" individual have access to his/her record detailing what caused the warnings?


From what I see on my control panel, I would say yes, the warnings are explained in the the PMs on the warnings.
by tadamsmar
Fri Sep 05, 2014 10:11 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2275

Re: Warning level

Have you ever received a PM from a moderator warning about one of your posts?
by tadamsmar
Fri Sep 05, 2014 9:39 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2275

Re: Why no more Vanguards

I thought TIAA CREF was similar to Vanguard, but I have not looked into the matter closely. I don't see any reason why there could not be more non-profit self-capitalized mutual fund companies. There is a kind of chicken and egg problem with where the initial capital comes from, but sometime the con...
by tadamsmar
Fri Sep 05, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 4860

Re: Hidden car key a thing of the past?

I do not understand. We have two "transponder keys" but inside of each is a smaller regular key that can be used to open doors and start the car. These can be removed and used like the "old" keys and even have a hole for putting on a key chain. So in essence we have 4 keys. This...
by tadamsmar
Thu Sep 04, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: Hidden car key a thing of the past?

RE: 2014 Honda Accord Push Button Start: I had a third Transponder & Key made, by a locksmith. Wrapped it (transponder) in tin foil and inside of metal box. Hidden in car. Keep the associated key that will open the door hidden under the car where I had always hidden an extra key. Along with the...
by tadamsmar
Thu Sep 04, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: Hidden car key a thing of the past?

I can't speak for a Honda Accord, but my key less Toyota Prius will not allow me to lock the doors if it senses a transponder key inside the vehicle. This makes it nearly impossible to lock yourself out of the car. So, if you try and hide a second key somewhere it's likely you wouldn't be able to l...
by tadamsmar
Thu Sep 04, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: Hidden car key a thing of the past?

This is very simple. Open the transponder, remove the battery, place battery in glove box, place transponder and key wherever you want. Without the battery, keyless entry will not function but you are still able to open the door using the actual key, as well as start the car buy placing the transpo...
by tadamsmar
Thu Sep 04, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: Hidden car key a thing of the past?

I can't speak for a Honda Accord, but my key less Toyota Prius will not allow me to lock the doors if it senses a transponder key inside the vehicle. This makes it nearly impossible to lock yourself out of the car. So, if you try and hide a second key somewhere it's likely you wouldn't be able to l...
by tadamsmar
Thu Sep 04, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: How do you keep your electricity bill low?

Contact your utility to change over to a TOU (Time of Use) meter sine you have a Volt. I have a Ford Focus Electric and added a 240 charger and the special meter, makes charging cheaper & faster. I am in Pasadena, CA which has somewhat better rates but still more than other parts of the country...
by tadamsmar
Thu Sep 04, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9163

Re: Do my in-laws need a will?

Did they buy or inherit the land? If the farther-in-law inherited the land, did he get a new deed made? I am a bit skeptical that a couple who never bothered with a will would have bothered to redo a deed so that they had the proper kind of joint ownership. Could be wrong, but I think it's worth try...
by tadamsmar
Thu Sep 04, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1846

Hidden car key a thing of the past?

We have an 2013 Accord with push button start. I guess that a push button start may be in the future of all new cars. It came with 2 keys. The keys are apparently transponders, if you hid one on the car then anyone could unlock the doors and start the car (or so I believe, I have not tried it). I su...
by tadamsmar
Thu Sep 04, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2563

Re: Why is my 401k and taxable considered "One Portfolio"?

You say "15 year wealth accumulation" is an investment goal for one of your accounts. Could you explain this goal. What is the point of mere wealth accumulation? For retirement, the goal is to support a estimated consumption schedule, that makes sense. But if your goal is not to consume it...
by tadamsmar
Wed Sep 03, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 2842

Re: Do my in-laws need a will?

Here's another description of Michigan's intestate laws that seems to contradict Nolo's description: http://auburnhillselderlaw.com/lawyer/2011/03/17/Probate/Intestate-Succession-in-Michigan_bl1991.htm The description ends with: Does this seem complicated? It is. These laws have been refined by the ...
by tadamsmar
Tue Sep 02, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1846

Re: Do my in-laws need a will?

They currently do not have a will for the father-in-law and mother does not think he needs one since her name is listed as a joint owner or beneficiary on all their accounts and property. Depending on what the meaning of "joint owner" is, the wife get all the land or the kids will get som...
by tadamsmar
Tue Sep 02, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Do my in-laws need a will?
Replies: 26
Views: 1846

Re: An inefficient market creating drag on index returns

It's my understanding that VTI does not actually buy all the stocks in the US. It uses a strategy to track the whole market. It does not have to buy an IPO, I suppose it has to account for a growth stock if it gets large enough, but IPOs are typically going to be tiny relative to the cap of the whol...
by tadamsmar
Mon Sep 01, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: An inefficient market creating drag on index returns
Replies: 54
Views: 3683

Re: Trip to the Caribbean - Suggestions

Vieques is nice. Inn on the Blue Horizon is a romantic place to stay. The beaches are great, the Inn is seaside but does not have a great beach, so you need a rental car if you stay there. You could probably stay in Esperanza and not get a rental car, but we always get one because exploring is fun. ...
by tadamsmar
Sun Aug 31, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2589

Re: I'd buy an S&P 500 index fund in a pinch

For some of my equity investing, I use the an S&P 500 fund in my 401K and the Vanguard Extended Market fund in my IRAs at about a 3 to 1 ratio to approximate the TSM while keeping 401K fees as low as possible.
by tadamsmar
Fri Aug 29, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5666

Re: No car for 10 years - should I scratch the itch?

bloom2708 wrote:If you have driven and 1984, 1994, 2004 or 2014 you have driven a Wrangler. The 2014 might have a CD player, but they aren't that much different.


The pre-2007 Wrangler did not have ESC, so those have a 50% higher fatality rate due to that alone, not to mention other less important safety features.
by tadamsmar
Fri Aug 29, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: No car for 10 years - should I scratch the itch?
Replies: 28
Views: 2119

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Stock prices are headed for a fall, as always.
by tadamsmar
Thu Aug 28, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3029

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by tadamsmar
Thu Aug 28, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 3029

Re: Fidelity vs Vanguard target funds, exactly what is going

Other than the ER difference, I'd guess VFORX is doing better because: 1. The US stock market has been very good to cap weighted indexes recently, relative to active funds. When the market is going straight up this tends to be relatively better for indexes. 2. With FFFFX, you are paying hidden fees ...
by tadamsmar
Wed Aug 27, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard target funds, exactly what is going on?
Replies: 9
Views: 1057

Re: What 5 stocks can I own forever?

The is also the question of where to own forever, what jurisdiction has the lowest long-long-term tax rates:

http://www.benbest.com/cryonics/CryoFAQ.html#_IIIL_
by tadamsmar
Mon Aug 25, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4547

Re: S&P500 over 2000

I am a stay-the-course type and have taken no new action based on hitting "2000" but I like to compare my personal circumstances with 2 particular points on the rise of the S&P500 S&P500 at 666: In 2009, I was sitting at my uncles house (I suppose I was "homeless") watch...
by tadamsmar
Mon Aug 25, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5432

Re: Buy & Hold Forever Blue Chip Stocks???

I love owning individual stocks! It's wonderful! I own hundreds of them, maybe thousands, not sure exactly how many! I'd own them all if I could! And to prove it I do the next best thing, I own a mutual fund designed to capture all the return from owning all of them. My actions indicate that I am pe...
by tadamsmar
Mon Aug 25, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 4361
Next

Return to advanced search