Search found 237 matches

by Bammerman
Wed Nov 16, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 50
Views: 4953

condition of your windshield

The only thing that I have not seen mentioned so far here is the possibility that your windshield has become eroded or "crazed" by sand or other tiny impacts over several years. I don't recall if you mentioned how old your car, or, more specifically, your windshield is, but this is at leas...
by Bammerman
Thu Oct 27, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 6688

The History of English

I have listened to and enjoyed the history of Rome and the history of Byzantium, and I'm currently listening to The History of English. Fascinating and very well done. Funny how people change. When I was in the accumulation phase, and, by the way, when the market was generally more up, I used to enj...
by Bammerman
Wed Oct 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2007

Re: What iPhone podcast application do you use?

I'm quite happy using Apple's podcast app to listen to The History of the English Language. I only listen in my car, and all I have to do to start the podcast when I get into the car is to select Bluetooth as the source from my car's infotainment center.
by Bammerman
Sat Sep 24, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Best iPhone warranty value
Replies: 15
Views: 1476

Re: Best iPhone warranty value

Re: (kjvmartin) If you're getting a Macbook Pro or an iMac, go for AppleCare and use a credit card with a +1 year warranty. That's 4 years of warranty coverage, a beautiful thing. I'm aware of the doubling of the manufacturer's warranty offered by some credit cards but had not thought about this asp...
by Bammerman
Thu Jul 07, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 2042

Re: Power surge protector for tv, soundbar??

I route all power to my home theatre setup through a switched surge protector and I only turn the power on when it's time for the evening news and I turn it off when it's time to go upstairs to read and sleep. =No electrical path for surges, strikes, etc. while the setup is not in actual use.
by Bammerman
Sun Jun 26, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Was my fund buying or selling on Brexit-bust Friday?
Replies: 4
Views: 818

Was my fund buying or selling on Brexit-bust Friday?

My TSP L-Income fund "is rebalanced daily to maintain its target investment mix" -- so, was it buying stocks (=good) or selling stocks (=not so good) on Friday?
by Bammerman
Tue May 31, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Water Filters -- OEM or Generic?
Replies: 15
Views: 6033

Re: Refrigerator Water Filters -- OEM or Generic?

I replaced the filter that came with our refrigerator exactly once. When that replacement died I just removed it. That was about ... say, five years ago. Everything's still working well and nobody's been sick. We have very good municipal water. Why do you bother with these refrigerator filters?
by Bammerman
Tue May 17, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 2251

Re: My silly math skills

At this point I feel like Dr. Frankenstein.
by Bammerman
Tue May 17, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 2251

Re: My silly math skills

After reading the previous post I decided I had to revisit my arithmetic and must now, in the interests of honesty, confess that my first calculation was a tiny bit off. It seems that my L fund actually grew by 37% over the 9.5 years! For whatever that is worth... I had not seen this tspfolio.com we...
by Bammerman
Tue May 17, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 2251

Re: My silly math skills

The OP is not consternated by the foregoing -- rather, he finds it risible. No, just kidding. In fact he finds it impressive, even awesome, in the sense that the Grand Canyon is awesome. (Perhaps "useful" in the same sense.) The OP took college courses in economics about 10 years ago: macr...
by Bammerman
Tue May 17, 2016 7:55 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 2251

My silly math skills

This morning I was musing about how flat my TSP fund has been for quite a while. I know, that can be a good thing, depending on what other investments are doing. I've had it all in the L income fund since I retired 9.5 years ago (which also means I have not been adding anything to the fund in that t...
by Bammerman
Wed May 04, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Family member asks my advice about Employee Stock Purchase Plan
Replies: 18
Views: 1533

Re: Family member asks my advice about Employee Stock Purchase Plan

The ticker symbol is EVDY. The employee stock discount is 15%. That's all I really know. So far the few people responding seem to think these plans are often a good deal. And they may well be. But for a young, starting-out investor with few investments, it sill means putting a big bet on one horse. ...
by Bammerman
Wed May 04, 2016 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Family member asks my advice about Employee Stock Purchase Plan
Replies: 18
Views: 1533

Family member asks my advice about Employee Stock Purchase Plan

A close family member has asked my advice about whether to participate in a "Employee Stock Purchase Plan (ESPP)." Here's what I'm thinking about saying: "I know very little about your new employer except that they have been rapidly expanding (including hiring you recently). They may ...
by Bammerman
Wed Feb 10, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Mailing a US Passport in for Renewal
Replies: 19
Views: 4015

Re: Mailing a US Passport in for Renewal

Priority mail worked great for me and saved me the cost of an envelope; got our new passports back in about two weeks. (Although the expired passports haven't been returned yet.) That time may begin to lengthen, however, as millions of passports are about to reach their 10-year expiration dates. Bet...
by Bammerman
Sat Jan 23, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 4243

What things are worth in money (value)

Reading through this thread and one of the earlier, related ones, got me thinking again about how much I "should" (or would) spend on a TV set. When I retired 8 years ago I promised myself three things: a good LCD TV set, a Miata, and a mistress. Just kidding about the third one, but I got...
by Bammerman
Thu Dec 17, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Use of Nest Thermostat in a non-forced-air (steam radiator) heat system?
Replies: 7
Views: 1848

Re: Use of Nest Thermostat in a non-forced-air (steam radiator) heat system?

Thanks for the replies (and links). I don't think a Nest is for me. I love gadgets, but I don't think this one could make back the investment. In theory I like it that it would turn down the heat when you leave the house, but since I'm retired, I'm in or around the house most of the time, so that wo...
by Bammerman
Tue Dec 15, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Use of Nest Thermostat in a non-forced-air (steam radiator) heat system?
Replies: 7
Views: 1848

Use of Nest Thermostat in a non-forced-air (steam radiator) heat system?

I've been reading a lot about the Nest thermostat, but I'm not sure it would "work" in my home: I have a rather old (1925), biggish house with a natural-gas-fired furnace in the basement that heats up steam radiators (the original ones!). There's one simple thermostat on the main floor. No...
by Bammerman
Mon Dec 07, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 6674

Re: Brilliant Energy-Saving Idea -- Or Just Really Stupid?

All bulbs are LED (some are even wi-fi controlled, for the fun and security-scheduling benefits!). Air tightness: storm windows on all windows, storm doors on doors (nothing I can do about the brick-and-stucco construction). Thick rock wool insulation up in the attic. HE washer. Now, on to other mat...
by Bammerman
Mon Dec 07, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 6674

The Devil's in the Details

As with everything in life, the devil's in the details: + The dryer is electric (!) and a dehumidifier is installed on the shelf above it (set on automatic; drains into washer drain). + We normally only do two or three loads of laundry per week (= not much additional moisture). + Old (1925) house, n...
by Bammerman
Sat Dec 05, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 6674

A comment about the Ace Dryer Heater Diverter

Just a note about the Ace Dryer Heater Diverter. I installed it today and ran a load of clothes through the dryer, and the diverter does work as advertised. But beware! THE CONSTRUCTION OF THE DEVICE IS EXTREMELY FLIMSY. It reminded me of one of those kids' toy cars that's designed to fly into piece...
by Bammerman
Fri Dec 04, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 6674

Re: Brilliant Energy-Saving Idea -- Or Just Really Stupid?

I bought the Dryer Heat Diverter from Ace for $10* and plan to install it tomorrow. I don't think we wash enough clothes to worry about excess humidity in the basement, and anyway, we have a dehumidifier installed directly above the dryer that drains into the washer drain. Thanks everybody for your ...
by Bammerman
Fri Dec 04, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 6674

Brilliant Energy-Saving Idea -- Or Just Really Stupid?

So I was just downstairs taking the towels out of the dryer, musing about all the (expensive) hot air being vented out of the dryer and the house, when I had one of my could-be-brilliant-but-probably-is-not, ideas: What if, during the wintertime, I vented the dryer exhaust directly into the basement...
by Bammerman
Mon Oct 26, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 60
Views: 5449

Re: Long Term Care Policy Poll

Age over 60. My wife and I have had LTC policies since we were 55.
by Bammerman
Wed Oct 07, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Chandelier bulbs
Replies: 23
Views: 1966

Re: Chandelier bulbs

using LEDs to emulate incandescents emulating bee's vomit is faintly ridiculous.

I don't understand what this means.
by Bammerman
Tue Oct 06, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Chandelier bulbs
Replies: 23
Views: 1966

Ugly LED Chandelier bulbs, imho

We have a similar situation in our house, with a large chandelier in the dining room, and several other hanging light fixtures that take candelabra bulbs. I have put LED bulbs in almost all of our other (table) lamps, but have not yet done so for the lamps requiring candelabra bulbs, because to my e...
by Bammerman
Sun Aug 30, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 44
Views: 4759

My cost to charge the Volt

Lars_2013: Is your cost on the Chevy Volt really running $3 to go 35 or 45 miles? Sorry, I wrote that post too quickly. My Volt's electric consumption is 32 kW-hr per 100 miles. My electricity cost is $.1141 per kWh. So 100 miles = $3.65, but I can't cram that much electricity in the car's battery. ...
by Bammerman
Sun Aug 30, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Proof that this summer was hotter than last summer
Replies: 11
Views: 1296

Not a line just going up

Sorry, that was not well-phrased. In fact the line descends from July steadily to a mere 500 kWh in November and stays around 700 kWh through May, and then shoots up to 1300 in June and 1600 in July 2015. We have natural gas heat in winter (gas hot water heater too) so our wintertime electricity use...
by Bammerman
Sun Aug 30, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 44
Views: 4759

Suggest you take another look at the Volt

I know you said you rejected the Chevy Volt because it has just two seats in the rear, but I strongly recommend that you take another, harder look. The latest model Volt will seat three in the rear, the middle seat being a "jumpseat" that might work best for a child or small person or chil...
by Bammerman
Sun Aug 30, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Proof that this summer was hotter than last summer
Replies: 11
Views: 1296

Proof that this summer was hotter than last summer

I just got a letter from my electric utility with a line graph of my house's electricity usage through the past 12 months, and guess what: the line goes up! Last July I used about 1350 kWh, and this July it was 1600 kWh. It's not my Chevy Volt: I've had the car for 18 months and my charging profile ...
by Bammerman
Sat Aug 15, 2015 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise how to spend down retirement assets without altering our asset allocation
Replies: 12
Views: 1503

cash?

by holding so much cash you avoid exposure to volatility risk but add significant exposure to inflation risk


Keep in mind this is not really "cash", it's almost all TSP G-fund. But I do take your point.
by Bammerman
Sat Aug 15, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise how to spend down retirement assets without altering our asset allocation
Replies: 12
Views: 1503

Re: Please advise how to spend down retirement assets without altering our asset allocation

In terms of consolidating funds, I'm thinking of the following. The actions below decrease my fund expenses. I thought of consolidating all to Vanguard's Wellington Fund, which I like, but once we start spending-down, that could take us below that fund's $50,000 minimum for their lower-cost Admiral ...
by Bammerman
Sat Aug 15, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Please advise how to spend down retirement assets without altering our asset allocation
Replies: 12
Views: 1503

Thanks for your ideas and comments

RetiredJG: Is there a reason you have not rolled over all of the small 403b accounts to an IRA? Several people here suggest rolling the small 403b accounts to an IRA. I can easily see the advantage of consolidating several small accounts, but why roll them into an IRA? Have you already taken your 1 ...
by Bammerman
Fri Aug 14, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Please advise how to spend down retirement assets without altering our asset allocation
Replies: 12
Views: 1503

Please advise how to spend down retirement assets without altering our asset allocation

I'm newly 64 and my wife is 63. We're retired (me from USG service with a pension) and are both working small part-time jobs for fun and profit; I estimate that we are currently in the 25% tax bracket. We have a mortgage and two car loans. Any credit card balances are paid in full each month. We hav...
by Bammerman
Tue Aug 11, 2015 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Harvest Savings Bonds or Proceed to Tax-deferred
Replies: 5
Views: 562

thank you!

Thanks, folks, I appreciate your comments and suggestions. Now I have to draft a more complicated request for advice on an overall plan for spending-down our investments. To be continued....
by Bammerman
Tue Aug 04, 2015 4:25 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 80
Views: 8657

Re: Aloha Shirt: Yes or No

I don't understand the question. Why would you not want to own and wear Hawaiian shirts? About half of the shirts in my closet (summer season) are "aloha shirts". God knows I had to wear enough boring (white! light blue! maybe an exciting white with thin blue stripe!) shirts and suits year...
by Bammerman
Sun Jul 26, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Harvest Savings Bonds or Proceed to Tax-deferred
Replies: 5
Views: 562

Harvest Savings Bonds or Proceed to Tax-deferred

For the past few years, we've been mostly living off my pension income and a modest part-time salary income while putting off taking social security until we're a bit older (we're both 63 now). I say "mostly" because our expenses slightly exceed our aforementioned income. We've by now almo...
by Bammerman
Fri Jun 12, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 2556

Re: Do you telecommute?

I began telecommuting only after retiring from full-time work to part-time (same USG employer). Some of it was satisfying because it also involved a lot of phone work -- in other words, I had a fair amount of actual (if voice-only) human contact. On some projects I had very little social interaction...
by Bammerman
Sun May 10, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Ever visited Frankfort, Kentucky?
Replies: 9
Views: 1266

Ever visited Frankfort, Kentucky?

Next week I'm going to be CONSUMING (get it?) some battery power and fossil fuel to drive to Chicago, and I'm thinking of breaking the trip in or around Frankfort, KY. Looking for suggestions of pleasant (not fancy) places to stay and dine and walk around and relax there for an afternoon and evening...
by Bammerman
Sat Apr 18, 2015 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Father can no longer sign his name. Looking for solutions.
Replies: 23
Views: 3177

Re: Father can no longer sign his name. Looking for solution

If he is mobile and mentally competent, why not just take him (and his identification) to a notary public and have him sign the document in front of the notary? Then the notary public notarizes his signature. As a consular officer, I notarized thousands of documents. In addition to swearing in the p...
by Bammerman
Thu Apr 09, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Which Moto G or a different phone?
Replies: 20
Views: 2837

for what it's worth: FYI

Take a look at this Amazon deal of the day, which has a few hours to go, as I write this: http://www.amazon.com/dp/B00HPTMCRI/ref=gbrc_rlm_r-1_6742_a158005e?pf_rd_m=ATVPDKIKX0DER&pf_rd_t=701&pf_rd_s=right-new-1&pf_rd_r=1R8M39RA3E0GJD56SY89&pf_rd_i=20&pf_rd_p=2064246742 -- FYI onl...
by Bammerman
Tue Apr 07, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 7649

not really going to try day trading-- whatever that is

It was just a passing thought. I think I'll apply for a part-time job instead. It's not so much the want-more-money thing -- I don't want to spend any more time inside the house in front of a screen, especially now in the Spring. A job would get me out of the house and let me interact with actual hu...
by Bammerman
Sun Apr 05, 2015 9:33 am
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 7649

Bored -- wondering about day trading for fun

Boglehead investing is, let's face it, boring. At least, the conservative asset allocation I use is (very boring): 30% stocks, 70% TSP G fund and bonds. So I'm thinking about starting a tiny little day-trading thing, like $1,000 or so, if you can do it for that little. Is that small a sum feasible f...
by Bammerman
Sun Apr 05, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 3824

thanks - recommendations for storm windows?

Thanks everybody for all these useful comments. A dose of reality! I' going to go ahead with getting the estimate on new windows but I'm also going to look into getting new, high-quality low-E storm windows and storm doors.

Any recommendations for those?
by Bammerman
Fri Apr 03, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 3824

Gearing up for big replacement windows project

Soon after we moved into our 1925-built house seven years ago we (I) washed all the windows. 30 double-sash windows, with mullions, each with a double-sash storm window! Just in case you're wondering, that's 540 individual pane surfaces to wash. It took me forever, especially since most of them were...
by Bammerman
Tue Mar 24, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 3682

Re: Does an electric car make sense for commuting?

Costs me about $1.00 to charge my Volt's battery.
by Bammerman
Mon Mar 23, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 3682

Consider a Volt

A current-generation Volt should be perfect for your needs. You could drive your 30-mile round trip commute on battery power every day -- I.e., no gasoline! I get up to 45 (all-electric) miles from my Volt in the summer and about 35 miles in the winter. And you have no range-anxiety with the Volt. A...
by Bammerman
Sun Feb 15, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 8561

Getting into the fantasy

Usually I look at this just like buying a movie ticket -- it's the cost of getting into the fantasy. And I do buy a movie ticket every once in a while, so why not a lottery ticket? (But: once, when I was walking home from the bus stop with my MegaBazillion lottery ticket in my pocket, I found myself...
by Bammerman
Sun Feb 15, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: No change to equity allocation in seven years?
Replies: 2
Views: 502

No change to equity allocation in seven years?

I use Financial Engines to keep track of my various investments, and have been for years. And for some seven years, since I retired, the percentage shown there for my allocation to all equities has remained the same, at 31%. Yet I have not done any (manual) rebalancing in these seven years. I can on...
by Bammerman
Sun Feb 08, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 4951

Time Capsule

I replaced my old Netgear router with an Apple Time Capsule. This device combines a router with a big hard drive, and does two things: Acts as your router; makes automatic (Time Machine) backups via WiFi from your computer. Both functions are important to me. I like having my backup hard drive in a ...
by Bammerman
Thu Feb 05, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 55
Views: 4929

Re:A true Boglehead is about more than investing

I'm not too interested in what defines a "Boglehead", but I don't think that just being extremely frugal is enough to qualify. When I read this article, my main reaction was, "What a shame! All that money left -- for what? To whom? Why didn't he spend it while he could? Take some nice...

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