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Re: Airfare keeps going up. Buy now or wait?

No sane person will ever figure out airline fares! About 20 years ago I was going to Cairo Egypt. The normal fare was about $3,300, but I found one for $2,200. My trip then got cancelled -- I got my money back without any problem. My trip was later reinstated with 4 days notice and I bought a ticket...
by wilpat
Thu May 16, 2013 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Airfare keeps going up. Buy now or wait?
Replies: 36
Views: 1467

Re: Credit score hurt because I don't borrow enough

prudent wrote:Yeah, credit card use is a good way to keep your record freshened up. I know my score is lower than it could be due to no installment loans and no mortgage, but I'm not going to pay interest just to boost my score a little.

You don't pay interest if you pay the card in full every month.
by wilpat
Thu May 16, 2013 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score hurt because I don't borrow enough
Replies: 23
Views: 1387

Re: Another look at Jim Cramer's stock picks

Entertaining??? I don't think so -- I think I would rather watch OJ in court!
by wilpat
Wed May 15, 2013 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Another look at Jim Cramer's stock picks
Replies: 29
Views: 3249

Re: electrical outlet splitters(?)

I was assuming the circuit breaker would trip if I overloaded the circuit. Most all the circuits in the house are 15 amp. I don't see anything in the description of the adapter I was going to buy about its rating; I will check that. I was also assuming that the hair dryer was the hog. All it says i...
by wilpat
Wed May 08, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: electrical outlet splitters(?)
Replies: 14
Views: 904

Re: Weekly Electricity Analysis

An astonishing amount of electricity is from "vampire" drains. Your TV isn't really "off" when you turn it off because there is a tiny trickle going to it so that you get "instant on" when you hit the remote "on" button. The same with computers and accessorie...
by wilpat
Wed May 08, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Weekly Electricity Analysis
Replies: 38
Views: 1805

Re: electrical outlet splitters(?)

You do retain the GFI protection. There is one of those gadgets that does screw into the existing socket base. Home Depot has them.
by wilpat
Wed May 08, 2013 10:34 am
 
Forum: Personal Consumer Issues
Topic: electrical outlet splitters(?)
Replies: 14
Views: 904

Re: Dining out : Special requests

Story of my life!!! I've transitioned from eating everything I wanted as a kid and teen, to the infamous low carb diets, to vegetarian, vegan, and my current phase of Fat Free Vegan. Ironically, steakhouses and BBQ restaurants are great for me. I can always get a good ol' American baked potato, cor...
by wilpat
Tue May 07, 2013 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 2798

Re: WSJ Article - A New Era for DIY Investors

That is a very good column!
by wilpat
Mon May 06, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ Article - A New Era for DIY Investors
Replies: 9
Views: 1768

Re: Retirement planning for those already retired

I am also retired and I keep a record similar to yours. I have a forecast of income and outgo kept daily for 4 years out. I keep an annual forecast of income and outgo for 30 years ahead. For my daily estimated and actual expenses I record expenditures for Automobile, Restaurants, House (includes al...
by wilpat
Mon May 06, 2013 1:09 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement planning for those already retired
Replies: 44
Views: 3611

Re: Have You Done a FSBO? Did It Go OK?

I sold one a few years ago and it was successful. The buyer came through a real estate agent and she asked me if I would pay her the buying agents 1/2 of the normal commission if she handled both sides of the sale. I trusted her and did as she asked and I was very happy with the result.
by wilpat
Sun May 05, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Have You Done a FSBO? Did It Go OK?
Replies: 28
Views: 2518

Re: Anyone wish to share their play money investments?

I bought YGE (Chinese Solar Stock recommended by Jim Jubak) about 2 1/2 years ago. Invested $40,700 current value $12,500. I don't now and never will need the money, so I just let it sit there.
by wilpat
Sun May 05, 2013 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone wish to share their play money investments?
Replies: 56
Views: 3039

Re: Dining out : Special requests

I have a need for extremely low sodium consumption and I regularly ask restaurants to modify the way food is prepared and almost never have a problem with it.
by wilpat
Sun May 05, 2013 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 2798

Re: College is Totally Worth It (at these schools)

"And the value of an education is the education itself." There are exceptions to that statement. I started working in the telephone industry in 1954 (I was 14 years old when I started) and all of the electronics we used were done with vacuum tubes! Solid state electronics were starting to ...
by wilpat
Sun May 05, 2013 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: College is Totally Worth It (at these schools)
Replies: 39
Views: 2862

Re: College is Totally Worth It (at these schools)

One of my Grandsons graduated from Georgia Tech with a Masters in Mechanical Engineering. However he went to Kennesaw State (a drastically less expensive school) the first 2 years. He graduated with Student loan debt of $15,000 (which he paid off in his first year of work). He worked through college...
by wilpat
Sun May 05, 2013 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: College is Totally Worth It (at these schools)
Replies: 39
Views: 2862

Re: Dow surpasses 15000

I remember about 45 years ago when the headline said "Dow Jones Average approaches 1000"!
by wilpat
Fri May 03, 2013 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Dow surpasses 15000
Replies: 32
Views: 2609

Re: Interstate Moving Company - Experiences

I have used ABF 4 times and will NEVER use anyone else ever. They are superb!
by wilpat
Fri May 03, 2013 11:09 am
 
Forum: Personal Consumer Issues
Topic: Interstate Moving Company - Experiences
Replies: 29
Views: 899

Re: Jobs that require lots of travel

In 1984 I was in 39 different states and was home for 5 of the 52 weeks. (I was not married at the time). You can get "beat up" tired from excessive travel. One Monday morning I left Chicago at 4:00AM and flew to New York -- left New York and went to Salt Lake City -- Left Salt Lake City a...
by wilpat
Fri May 03, 2013 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Jobs that require lots of travel
Replies: 43
Views: 2726

Re: Windows 8/7

Try this -- it helps windows 8 look more like the older systems.
http://www.classicshell.net/
by wilpat
Wed May 01, 2013 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 54
Views: 2792

Re: Any suggestions for a refrigerator that broke after 2 ye

In addition to the other answers here I would suggest getting another repair estimate.
by wilpat
Wed Apr 24, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: Any suggestions for a refrigerator that broke after 2 years?
Replies: 24
Views: 1209

Re: What are your top companies for customer service?

I've also noticed the connection to Seattle.


I used to live in Seattle and I remember the summer of 1965 was particularly nice -- it came on a weekend!
by wilpat
Fri Apr 19, 2013 3:05 pm
 
Forum: Personal Consumer Issues
Topic: What are your top companies for customer service?
Replies: 76
Views: 3238

Re: Relocating advice

I have used ABF twice and have been VERY happy with the results.
Be aware that many regular moving companies are crooks!
If you use one be sure to get several references.
by wilpat
Sun Apr 14, 2013 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Relocating advice
Replies: 17
Views: 920

Re: Change in office environment

I believe that there is something seriously wrong with the way upper management is handling the situation. It appears to me that you do not know how you stand with management. That would be a major failure of management. Every employee should always know where they stand at all times. When it comes ...
by wilpat
Sat Apr 13, 2013 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 22
Views: 2560

Re: Probably a Simple Question ...

Sorry to hear about your father. If there is any chance that he may need to go on Medicaid, gifting gets complicated.
If that is a possibility I would suggest that you study up on it.
by wilpat
Sat Apr 13, 2013 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Probably a Simple Question ...
Replies: 8
Views: 1021

Re: Mortg. refi- Including closing costs in the interest. ra

Look at Pentagon Federal Credit Union.
penfed.com
by wilpat
Wed Apr 10, 2013 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortg. refi- Including closing costs in the interest. rate.
Replies: 5
Views: 243

Re: Need vacation ideas in the San Francisco region

When in San Diego you could visit the Midway. Also, San Diego Zoo and the San Diego Zoo Safari Park (outside of San Diego). Both the zoo and the safari park are very nice. +1 Muir Woods San Diego is basically a place with nice weather, but there is one place in San Diego that I really did not like ...
by wilpat
Mon Apr 08, 2013 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Need vacation ideas in the San Francisco region
Replies: 37
Views: 1738

Re: Social Security increase rate

I have a spreadsheet I built to model withdrawals. I put COLA increase at1% less than the rate of inflation just to be a bit on the conservative side. Also on the conservative side, I model my portfolio returns at only 1% more than the rate of inflation. While I have a couple different scenarios, I...
by wilpat
Sat Mar 30, 2013 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security increase rate
Replies: 19
Views: 1550

Re: What Book Are You Currently Reading? Part V

Trying to read Ken Folletts Winter of the World. Does anyone have an opinion of this work? Thanks. Ken Follett is my absolutely favorite author of all time! "On Wings of Eagles" is my favorite of all of his. He covers a great deal of variety in his books, but (IMHO) none are bad! I am an ...
by wilpat
Wed Mar 27, 2013 5:33 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 1437
Views: 198480

Re: So how long will I live? How long do I plan for?

reggiesimpson wrote:Simply put. I stopped reading the obituaries. Too many folks dying that are younger than me (65). Act accordingly.
Good luck!


Did you ever notice, when reading the obituaries, how people seem to die in alphebetical order.
by wilpat
Sat Mar 09, 2013 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 39
Views: 2371

Re: wallpaper removal - diy or pay someone?

Jerilynn wrote:One of my philosophies is to 'never do anything yourself that you can pay someone else to do for you. Assuming that they will do as good or better job of it.'


My Father taught me "Never do anything yourself that you don't know how to do".
by wilpat
Mon Feb 25, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: wallpaper removal - diy or pay someone?
Replies: 34
Views: 1550

Re: Amount to spend on landscape plan for home

It has been said that for every dollar you spend upgrading the INSIDE of your house you get 2$ in return when you sell it. It has also been said that for every dollar you spend upgrading the OUTSIDE of your house you get 5$ in return when you sell it. When I used to buy and sell a lot in rental prop...
by wilpat
Tue Feb 19, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Amount to spend on landscape plan for home
Replies: 22
Views: 1265

Re: Kindle wears out quickly?

I have had my Kindle for a little over a year with no trouble. I read (on average) 1 book each day since I retired. Prior to that I read (on average) 4 books a week -- I did that for over 60 years. My kindle fits my needs wonderfully -- If it breaks I will get another (one way or another).
by wilpat
Mon Feb 18, 2013 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Kindle wears out quickly?
Replies: 17
Views: 1323

Re: Preserve Delta Skymiles

My Gold Delta SkyMiles® card has no annual fee.
by wilpat
Sun Feb 17, 2013 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Preserve Delta Skymiles
Replies: 21
Views: 1969

Re: McGraw-Hill (S&P) fires back

porcupine wrote:
wilpat wrote:I thought McGraw-Hill was Tim and Faith!!

No Tim and no Faith in McGraw-Hill (aka S&P500) either! ;-)

- Porcupine

Yeah but I the difference is that I like Tim and Faith! :o
by wilpat
Tue Feb 12, 2013 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: McGraw-Hill (S&P) fires back
Replies: 33
Views: 1949

Re: Poll for 65+ Seniors

I am 72 and am at 69% Stock and 31% Bonds, but I do not need the money. I am investing for my grandchildren.
by wilpat
Tue Feb 12, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll for 65+ Seniors
Replies: 24
Views: 2369

Re: McGraw-Hill (S&P) fires back

I thought McGraw-Hill was Tim and Faith!!
by wilpat
Tue Feb 12, 2013 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: McGraw-Hill (S&P) fires back
Replies: 33
Views: 1949

Re: Bathroom Light Fixture Question

Pull down on the outer ring and the whole fixture should come down. It may be "painted" onto the ceiling.
or ---- Go down to your local Home Depot and look at one to see how it works.
by wilpat
Mon Feb 11, 2013 11:35 am
 
Forum: Personal Consumer Issues
Topic: Bathroom Light Fixture Question
Replies: 11
Views: 747

Re: Boglehead Concert Goers?

I saw Elvis a few months ago (about 700 months) and was shocked by the $9.00 price of a ticket!
by wilpat
Sun Feb 10, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 48
Views: 2006

Re: What the best value in anti-virus software

I use MSE -- and besides Bill Gates never shot anyone --- I think. :o
by wilpat
Sat Feb 09, 2013 8:23 pm
 
Forum: Personal Consumer Issues
Topic: What the best value in anti-virus software
Replies: 55
Views: 3246

Re: Moving a cat part III

I moved my family from near Seattle to Ft Myers, FL about 45 years ago and we drove there with a cat and a dog. (What a Pain!) When we got to our new house we walked in the front door and opened the back door to look around.The cat walked out the back door and was never seen again! I suspect she wal...
by wilpat
Wed Feb 06, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Moving a cat part III
Replies: 11
Views: 1080

Re: What's your usual retirement day like ?

I retired about 8 months ago and I HATE it. I worked for 58 years and can't think of a dozen days that I did not look forward to going to work. I retired so that some young person who really needed a job could take my place. I have never watched much TV, so I spend 8 to 10 hours a day on my computer...
by wilpat
Sun Feb 03, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 158
Views: 13716

Re: VMLUX or CD's

I was looking at the PenFed ira cd which is 1.8 for 3 years and VMLUX for my taxable.PenFed is such a hassle to set up but a decent return. I have not used Penfed but have been considering it, as I'm moving some of my fixed income to a CD ladder. What are the hassles to set up CD's with them? Thank...
by wilpat
Sun Jan 27, 2013 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: VMLUX or CD's
Replies: 6
Views: 681

Re: Vanguard Security

If you click on "LOG OFF" you will be "really" logged off.
by wilpat
Thu Jan 24, 2013 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Security
Replies: 19
Views: 735

Re: Visiting California for the first time...need advice!

Take coats!! SF is COLD!!!!!!
by wilpat
Sun Jan 13, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Visiting California for the first time...need advice!
Replies: 65
Views: 4213

Re: Is it proper to feel "loyalty" to Vanguard?

Contrary to the belief of many profit is NOT a four letter word!
by wilpat
Fri Jan 11, 2013 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it proper to feel "loyalty" to Vanguard?
Replies: 37
Views: 3036

Re: MVO for Excel

What is MVO? I googled it and got MVO Montserrat Volcano Observatory MVO Motor Vehicle Operator MVO Member of the Royal Victorian Order MVO Mean-Variance Optimization MVO Musta Veenuse Ordu (Estonian) MVO Money Value Only MVO Male Voice-Over MVO Mississippi Valley Orchestra (Minnesota) MVO Market Va...
by wilpat
Fri Jan 11, 2013 11:48 am
 
Forum: Investing - Theory, News & General
Topic: MVO for Excel
Replies: 14
Views: 1183

Re: Home Furnace: Negotiating Price

Likewise I have gotten a lot of quotes for a new roof. Negotiating price on a product from a retailer is a different animal. Then you can go for it. I needed a new roof about 20 years ago in a Chicago suburb and a friend of mine told me to go to the roofing supply store about 6:30AM and just "...
by wilpat
Tue Jan 08, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Home Furnace: Negotiating Price
Replies: 13
Views: 1114

Re: Retired and don't know where to put the money!

"(she's from the Depression era)"

Not at age 72! I am 72 and the first few years of my life was WWII and after that it was the opposite of a depression.
Small difference of opinion. :o
by wilpat
Thu Jan 03, 2013 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired and don't know where to put the money!
Replies: 16
Views: 1162

Re: Wayne Gretzky reflects on going through life with goals.

I have always admired Gretsky and am not the least bit surprised that he Follows his fathers advice and passes it on to his son.

FWIW .. His daughter is gorgeous! :o)
by wilpat
Wed Jan 02, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Wayne Gretzky reflects on going through life with goals.
Replies: 11
Views: 1311

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1531.21
by wilpat
Tue Jan 01, 2013 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 11074

Re: 2012 Boglehead Contest -- One more trading day.

gmtret wrote:Am I correct in assuming that Monday is a full trading day and so will close at 4:00?

Yes :o)
by wilpat
Sun Dec 30, 2012 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: 2012 Boglehead Contest -- One more trading day.
Replies: 21
Views: 1672
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