Search found 410 matches

by taxman
Wed Mar 18, 2009 9:00 pm
Forum: Investing - Theory, News & General
Topic: You'll probably be dead by 80
Replies: 64
Views: 10321

FWIW I hope im Dead by 80, ive several chronic DXs,,...........and thats that!
by taxman
Wed Mar 18, 2009 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Double taxation: 1099-INT (Saving account/CDs)
Replies: 17
Views: 3454

Theres alot of it............someone gets thier pay chk, sees a full tank of gas and something other than food or clothing! YOU DID GOOD ABOVE, the employer soundss like...........fill in the blank! 8)
by taxman
Wed Mar 18, 2009 7:13 pm
Forum: Personal Consumer Issues
Topic: What can you use instead of a bank safe deposit box?
Replies: 27
Views: 6716

I deal a lot with safes as a hobby of mine. If you're going to get a safe for burglary protection then make sure it is built well. They are a lightening rod for burglars so you must ensure they can survive an assault with commonly used tools. Expect to pay more for a good safe. Many safes you see in the stores are not well made unfortunately. A generic gun safe that was easily burglarized: http://crawlingroad.com/blog/wp-content/uploads/2009/03/genericgunsafe.jpg Another gun safe that was burglarized: http://crawlingroad.com/blog/wp-content/uploads/2009/03/libertyburglary2.jpg A Sentry fire safe that I blasted open with a sledgehammer in about two minutes just as a demonstration: http://crawlingroad.com/blog/wp-content/uploads/2009/03/smas...
by taxman
Wed Mar 18, 2009 7:08 pm
Forum: Personal Consumer Issues
Topic: What can you use instead of a bank safe deposit box?
Replies: 27
Views: 6716

Bolted to the floor and walls/ safe, or it could be compromised. :? Or build a secret room!! 8)
by taxman
Wed Mar 18, 2009 10:45 am
Forum: Personal Investments
Topic: Paying cash for a vacation home in today's market.
Replies: 29
Views: 5171

2 friends did, one paid 750k to a seller asking 1m oceanfront w/a in law apt property, the other had a paid off home took another mtg on it and paid cash for a beaten down near the ocean property needing TLC he'll do himself, 2 homes from the beach, both are happy AFAIK
by taxman
Tue Mar 17, 2009 7:07 pm
Forum: Personal Consumer Issues
Topic: Squeak when I lift foot off brake
Replies: 28
Views: 100643

When I lift my foot off of the brake, it squeaks also. Are you sure it is not your knee like mine is?Jim Squeaking when you lift your foot off the brake is an indication that the calipers are not releasing. For disc brakes, the calipers hold the brake pads. They close when you step on the brake pedal. If they get rusty, they won't release cleanly. The rotors are designed to throw the calipers open when the wheel starts turning. This isn't happening as it should. Without going into further detail, you need to take it to a mechanic to fix it. He/she will probably charge some $$ to take the caliper assembly apart and clean / lube. If you don't do this, the pads will wear prematurely, the rotors will get hot and reduce braking efficiency (long...
by taxman
Mon Mar 16, 2009 10:35 pm
Forum: Personal Investments
Topic: Your Opinion Please-Update
Replies: 51
Views: 11346

IMO JUST mabee buyers,,,,,,,for o BUT GOODLUCK2Kyuu I LIV4ich IN SDA1 LUC
by taxman
Mon Mar 16, 2009 7:14 am
Forum: Personal Consumer Issues
Topic: Returning new pants to store after washing?
Replies: 14
Views: 24402

I agree with everyone, your receipts dated, youve all the tags, I'd just tell them that they do not fit. They dont after short term regular care do they? :x
by taxman
Mon Mar 16, 2009 7:06 am
Forum: Personal Consumer Issues
Topic: Favorite TV Police/Crime Dramas...
Replies: 91
Views: 14521

:D Homicide life on the street, the wire , the shield, are quite contemporary and realistic shows imo :D
by taxman
Sun Mar 15, 2009 8:02 pm
Forum: Personal Consumer Issues
Topic: In the market for a laptop.... suggestion please
Replies: 62
Views: 10133

I shopped for a 3gb/ Mac LT g4//with many OTHER software app for 300. 3gb,,....Found one on CL for 300.00 8) 8) 8)
by taxman
Sun Mar 15, 2009 10:55 am
Forum: Personal Consumer Issues
Topic: Dolphin bubbles
Replies: 15
Views: 2745

Great utube vidio, right now Im in walking distance from the Dolphin research and rescue center in grassy key FL, they really are amazingly intelligent. The staff was going to lift a wheelchair bound individual in with them via a special lift for doing that however last minute the individual chickened out( I know the person). I think the individual missed out as im still able to snorkle---Sombreo reef is truly AMAZING.
by taxman
Sun Mar 15, 2009 10:33 am
Forum: Personal Consumer Issues
Topic: Squeak when I lift foot off brake
Replies: 28
Views: 100643

IMExperiance it could be a number of things, from dirt to needs replacement. I'd go to a DIY car wash sprayer and power wash it to rule that out seeing as you just had them serviced. Even a horse needs new shoes every now and then :wink:
by taxman
Sun Mar 15, 2009 10:24 am
Forum: Investing - Theory, News & General
Topic: Inflation Hedging beyond TIPS and Commodities
Replies: 39
Views: 6059

I was not aware VG offered a utilites index fund, so I went to the VG site. I couldnt find it. I do not do etf's, there might be one there however i could not find a utilites index fund. Im not nitpicking, im just saying is there one?
by taxman
Sat Mar 14, 2009 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying a cash-only home in HI - any advice?
Replies: 20
Views: 3833

I agree with both posters above wholeheartedly, have you walked around there on a weekend night, all night, to see whats in the trees so to speak. By that I mean it would give you a better perspective of the neighborhood. Just saying.......or is it a place in the woods that needs permits? :?
by taxman
Sat Mar 14, 2009 7:48 am
Forum: Personal Consumer Issues
Topic: Florida Residents?!
Replies: 44
Views: 7712

I've lived in the southern tip of MIA areas and still try to vacation in the keys, its really not someplace i think id like year round (hot summers). The border with GA might be nice???? As stated above I think alot depends on what your goals are. :D
by taxman
Fri Mar 13, 2009 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Madoff and Vanguard
Replies: 35
Views: 6662

chaz wrote:It's no concern to me. Vanguard is the best place to invest IMO.
X2........ try elsewhere, if you like more risk! And im a skeptical/trust but verify type*. A new aquaintence just told me to F-OFF because I told her I was running''' her because I need no one around me thats ""uncertified"" in my book..~
by taxman
Fri Mar 13, 2009 6:08 pm
Forum: Investing - Theory, News & General
Topic: Article: # Millionaires Shrinks in 2008
Replies: 16
Views: 3048

It would figure, with RE comprising so much of most individuals equity.
by taxman
Thu Mar 12, 2009 7:51 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 8 ANNUAL REUNION ANNOUNCEMENT
Replies: 265
Views: 103173

If only I was MEGA or soundly wealthy,........if your got the time ive also!! 8)
by taxman
Thu Mar 12, 2009 11:07 am
Forum: Investing - Theory, News & General
Topic: xx
Replies: 12
Views: 2103

Not to be a bummer but I've seen alot of vacation spots going belly up in the FL keys over the last 2 yrs Ive vacationed there. Last year the place Im at right now had to close in the off season because it was costing -30 bucks a day just to keep the doors open and electriticy on, another place on the same MM jojos" closed. But the large chains are surviving. (sp)and there are a few more .gov services being put forward +(the erosion suppression on the roads). :?
by taxman
Wed Mar 11, 2009 8:06 pm
Forum: Personal Consumer Issues
Topic: Jim Cramer gets bad press
Replies: 50
Views: 9783

IBTL/ HE all but admitted market manipulation.........IIRC and I do.
by taxman
Wed Mar 11, 2009 8:03 pm
Forum: Personal Investments
Topic: Variable Annuities
Replies: 60
Views: 9336

Mel Lindauer wrote:I'd like to second the recommendations you just received from DSInvestor. There's absolutely no reason to even consider a VA for your 401k rollover, since the VA adds extra layers of cost while restricting the investment options available to you. And, to add insult to injury, VAs normally come with long surrender periods, so that you're stuck when you find out how lousy the VA investment is.

I don't know who recommended the VA to you, but I'd guess it was someone who will make a nice juicy commission for selling it to you. You really don't want to deal with someone who puts their interest before yours.
I couldnt say it better than Mel,.......plus hes qualified :wink:
by taxman
Wed Mar 11, 2009 9:56 am
Forum: Investing - Theory, News & General
Topic: Dow 19,000 in 3 years
Replies: 33
Views: 6314

Im no pessimist but me thinks its as likely as the NASDAQ going back near 5k. :? im with flyfshr above......
by taxman
Wed Mar 11, 2009 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Best car insurance
Replies: 50
Views: 9895

AMICA------->" Black swan" yrs/4totals 3yrs/ Nothing for my extended multiple family payment of 40yrs / except a windshield// all had over 120k so they total them.I had reciepts, :)
by taxman
Wed Mar 11, 2009 1:30 am
Forum: Personal Consumer Issues
Topic: merits of wiki and forum
Replies: 30
Views: 3820

CANDIDLY, I consider wiki a nice place to look for brief, GREAT,..curt explinations but acceptiable as gospel there not IMO :? :?
by taxman
Tue Mar 10, 2009 11:43 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 12689

Here here to being 24. My trouble with the age is the ambiguous dating game and ambiguously aged women. You can eliminate married folk by looking for a ring, but you can't find out if they have a serious boyfriend or are under, say, 20 without having a chat. Meh. Perhaps I could just decide that those two criteria don't really matter.... Ryan Dude, that's why I'm currently pursuing the "cougar." I'm 24 like you, and my current peers are women in the law school I attend (thanks, but no thanks), and the beautiful undergrads, many of whom can't legally drink (thanks, but no thanks to the ticket for contributing to the delinquency of a minor). I'm allowed to take up to 6 hours outside of the law school as long as I can justify that t...
by taxman
Tue Mar 10, 2009 11:01 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 12689

I'm in my late 20s, and I feel old. Right there with ya bro. I was reading this thread, and really feeling old because a lot of it I'm starting to experience. It gets better, right? RIGHT!?! NO, NO, NO, IT GETS WORSE! :twisted: Getting old and retaining your physical youth is a mis-nomer I KNOW a few folks that say its not for the weak of heart!!! I need 1000k mg of acietominafine????(sp)to start my day!! --> before I get oot of bed! Of course Ive other chronic PHYSICAL concerns+++++ MANY other neorological issues,But live while you can, the great beyond is un-defined!!!! :shock: Think in 30/40yrs??? Just a FWIIW-->Goood Luckk!! [/b] I wish nothing other than the best for everyone MY having seen as a vollenteer,...... plus I know retired V...
by taxman
Tue Mar 10, 2009 8:06 pm
Forum: Personal Consumer Issues
Topic: Buying GM @ 1.40 a share
Replies: 21
Views: 4152

Personally i'd rather a better oppourtunity, like a Mels mid cap""favorites*(Mel likes Mid Caps right??)) mid cap bank..... BUT HE he never suggested this I might add individual equites like FITB.~ just my suggestion for U to research if your not a BKX/XLF /KBE/etc. sector type/ :D Good luck! WELL RUN Banks rule!
by taxman
Tue Mar 10, 2009 7:57 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 12689

tokyoleone wrote:It now takes me all night to do what I used to do all night.
O' YEAH GREAT ONE! :lol: :lol:
by taxman
Tue Mar 10, 2009 12:35 pm
Forum: Personal Consumer Issues
Topic: Signs your getting old, you have any to add...........
Replies: 92
Views: 12689

Signs your getting old, you have any to add...........

Having passed the great 1/2 century mark a few years back i've noticed i used to have extra periphial and purble*(see like a cat at night) vision in my 20s now i absolutly need glasses to read. :? .My hairline has receeded to the point of i feel like its all migrating south, and need to trim my ear/nose hair(eeeewwww) :oops: more often than get a hair cut :oops: and its greying! Women say it looks distinguished but thats crap, they're all dying theirs! My patience is tried much more often by 20yr olds. S0 i have a great deal of respect for kids who have their '$hit together, about a week ago a kid with a kid(baby) in the back couldnt blow her horn because she had a ice cream in her hand in the car, thus avoiding a bumper bump. :roll: What h...
by taxman
Tue Mar 10, 2009 11:27 am
Forum: Investing - Theory, News & General
Topic: we've turned the corner
Replies: 70
Views: 11660

bob90245 wrote:A few more days, weeks or months like this and we might get a V-shaped market recovery. Just like most of the others:

Image
Again a great chart from bobsfiles!
by taxman
Tue Mar 10, 2009 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Toyota Camry 2003: PCV valve & Brake flush?
Replies: 5
Views: 4083

Just FWIW I changed EVERYTHING Recently in my car as I worked on cars throughout HS and college. I was looking for the PCV valve, advanced auto sold me one. I took it to the stealership, asked a service employee where it was after looking through a few diagrams myself.........He said he had the same car(MDX-Honda), HE"D never changed the PCV valve on his or any other in for service. :? Positive crankcase controlvalve=PCV, its usually cleaned easily by just flushing it with gas or a similar solvent, thats what I used to use that, or a carb cleaner........as for the other fluid I"D JUST keep it topped till after 100k. But thats me :D I really do not think its that much of a worry. Google toyo forums there out there . Good Luck!
by taxman
Mon Mar 09, 2009 5:19 pm
Forum: Personal Consumer Issues
Topic: Transmission fluid
Replies: 17
Views: 2957

I Suggest you change a % of it every oil change. maybe 30% 8) maybe more maybe less.
by taxman
Mon Mar 09, 2009 5:14 pm
Forum: Personal Consumer Issues
Topic: Any musicians?
Replies: 44
Views: 7589

Well if you consider artists :wink: same as musicians I ILLISTRATED/COVER TOO my HS yearbook, and had a few drawings in my college year book. IIRC to be a artist all you have to do is SELL 1 picture. 8) I know artist and musicians are the same in my book. POOR! OR mega wealthy! :lol:
by taxman
Mon Mar 09, 2009 4:59 pm
Forum: Investing - Theory, News & General
Topic: Is it worth diversifying with an EAFE index? No.
Replies: 55
Views: 9308

We see these sorts of rationalizations every time international underperforms US for a while. Just as we see rationalizations in the other direction every time international outperforms. Ignore the noise and hold a constant 20-40% of your equities in international. It's Investing 101: holding and rebalancing between two asset classes with identical long term returns but imperfect correlations will result in higher returns than holding just one of the classes. You also have to understand that correlations between US and international are have constantly changed in the past. They'll run together for a year or two and then diverge wildly for a year or three. There is absolutely no good reason to suspect that this will change in the future. Go...
by taxman
Sun Mar 08, 2009 11:25 am
Forum: Personal Investments
Topic: Wife wants cash in the mattress: Help.
Replies: 52
Views: 10775

dbr wrote:Ask her to think about the unsavory characters that will be casing your home looking for the cash.
8) stop talking about me like that, i was just interested in the address and if the safe was on wheels or I needed a dolly 8) chaz suggestion sounds sound! :lol:
by taxman
Sun Mar 08, 2009 11:09 am
Forum: Personal Investments
Topic: First $10,000 in emerging markets...bad idea?
Replies: 40
Views: 5094

Its a bet I wouldnt make, but thats me. I'd suggest you consider the FTSE_XUS that has IIRC 18% EM. :? Maybe? I hate giving advice should it go wrong but that fund is the whole world including CANADA minus the USA with what i d think alot less volitility.(sp) That could be a core fund holding maybe. Good Luck! :lol:
by taxman
Sat Mar 07, 2009 8:24 pm
Forum: Personal Consumer Issues
Topic: I stimulated the economy today
Replies: 11
Views: 3028

Meeeeee toooooooooo instead of 5% tax,..... in another state I paid 7% :shock:
by taxman
Sat Mar 07, 2009 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: 05 Toyota Camry or 02 BMW 325i?
Replies: 50
Views: 12988

TOYO............ 8)
by taxman
Sat Mar 07, 2009 8:19 pm
Forum: Personal Investments
Topic: Bubblewatch: Get out of Treasuries?
Replies: 17
Views: 3674

i've heard the same ............which means find another risk equal investment vehicle. good luck sunny :D
by taxman
Fri Mar 06, 2009 11:54 pm
Forum: US Chapters
Topic: Why Did You Choose Your Username and Avatar?
Replies: 377
Views: 19941

Really liked my nickname i got in HS for running the 50yrd dash in 5.4sec.However im glad I can still help/contribute 8) NOW IM A CRIPPLE/GIMP! but believe me there are others worse off!!!!:( :( 8) :evil: :twisted: :cry: 8) ETA;then i choose the most meaningfull best regulated fairest profession and truly beloved person on the earth! :oops:
by taxman
Fri Mar 06, 2009 11:15 am
Forum: Investing - Theory, News & General
Topic: Reasons to be cheerful
Replies: 57
Views: 9617

I'll add mine, if you have your HEALTH, home, and a pursuit that supports you and yours spartanically or oppulantly(sp)you have nothing to :cry: about, having vollenteered and still do at various times of the yr at VA hospitals there are many guys that are so worse off than YOU! :shock: Think of yourself LIVING in a bed @ 30yrs old all messed up waiting for the great beyond.
by taxman
Fri Mar 06, 2009 10:47 am
Forum: Investing - Theory, News & General
Topic: Is this the most exicting time in your life?
Replies: 39
Views: 5765

IMO, NO, BUT THIS IS A GREAT OPPORTUNITY for people younger that 55 to buybuybuy more equity positions as Adrian has alluded hes doing. As well as to learn how much risk is to much, like I have in my early twilight yrs. :cry: No im not crying im making the best of it but I do not have the time horizion needed to readjust my AA as people with a 30/40 yr time horizion do. Whats that saying a wise man learns from others mistakes, a smart man learns from his own and ...well some never learn. I forgot to keep my wallet in a ziplock plastic bag like last year and dropped it in the ocean(6inches of water) again this year, that makes me ----> :roll: want to kick myself!
by taxman
Fri Mar 06, 2009 9:50 am
Forum: Personal Investments
Topic: If indexing's dead, does that mean active mgt will prevail?
Replies: 38
Views: 6149

EmergDoc wrote:Just because a lot has been written doesn't mean any of it is true.

Indexing is just as good as it has always been. I can see why some might question buy and hold, but not indexing.
X2 :D and sector funds!
by taxman
Thu Mar 05, 2009 7:55 pm
Forum: Investing - Theory, News & General
Topic: If you really want a laugh
Replies: 10
Views: 2402

ITS REALLY unreal.............all the taxpayers money paying these fat cats! :evil: :twisted:
by taxman
Thu Mar 05, 2009 7:47 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 33
Views: 7373

chaz wrote:IMO anyone invested in American should switch to Vanguard.
X2 :? there brokers are salesmen period looking to get you in the 'fold'JMO
by taxman
Thu Mar 05, 2009 7:39 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a mountain bike
Replies: 45
Views: 6740

8) peddle till you break a sweat......then more!......its good condiitioning, make sure you liKe it before spending allot......my back up glasses are crapy!GOOD LUCK!
by taxman
Thu Mar 05, 2009 7:30 pm
Forum: Personal Consumer Issues
Topic: Contest: call the market bottom as it occurs!!
Replies: 29
Views: 4808

SP5000-JMO :( :cry: :cry: :cry: :cry:
by taxman
Wed Mar 04, 2009 9:10 am
Forum: Personal Consumer Issues
Topic: Harry Markopolos 60 MINUTES interview
Replies: 9
Views: 2058

Thanks for the link, saw the show but its a great reminder that this happens over and over and over. :evil:
by taxman
Tue Mar 03, 2009 11:43 pm
Forum: Personal Consumer Issues
Topic: What are the jobs of the future
Replies: 58
Views: 10585

Most the kids in the USA are woefully uneducated next to the chinese/asian/india's and other kids that will be competing for future globalization of the workforce and the best positions JMHO. :)
by taxman
Tue Mar 03, 2009 10:18 am
Forum: Personal Finance (Not Investing)
Topic: House buying is causing marital issues
Replies: 60
Views: 9616

dbonnett wrote:I've been happily married for 51 years. NO one is happy until mama is happy. Do what it takes in spite of what seems to make more economic sense. Every thing else is petty detail.
Im sorry but this attitude from ANYONE is the just defeatism and wrong! My parents have been married for 63yrs and my fathers of the same attitude, whatever mama wants. Guess what? in the course of their last 20yrs shes wanted 9homes, yes 9. :roll: and hes had to follow her irrational behavior.Are you setting yourself up for this? Id also suggest you two have a 'talk'. GOOD LUCK!