Search found 114 matches

by Blueskies123
Thu Mar 30, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: florida trip help Tampa area to the Keys
Replies: 6
Views: 254

Re: florida trip help Tampa area to the Keys

I think there is a ferry from either Tampa, Marco, or Naples that goes to Key West. I wish they had one from Miami.
by Blueskies123
Mon Mar 27, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 788

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

No, but really cheap ones might not have all the safety features.
by Blueskies123
Mon Mar 20, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 47
Views: 5750

Re: PurePoint 1.25% online savings $10K min

[/quote]I just did two of these CapitalOne accounts. One for myself, one for my wife. Opened on 3/5, got the $200 bonus today. No requirements other than $10k deposit. Application took less than 10 minutes for each account.[/quote] I was thinking about opening one for me and a second account for my ...
by Blueskies123
Sun Mar 19, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2169

Re: State Farm

Just wait until you move and try and get coverage on your new home or wait and see what happens if and when have storm damage.
by Blueskies123
Wed Mar 15, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 5916

Re: What to do with all these passwords ?

I am getting around this by storing nothing on my laptop, including the keepass database. The database and all my documents at home sit behind an encrypted external hard drive, and two additional identical encrypted thumb drives. If my house is broken into, all they'll get are encrypted devices and...
by Blueskies123
Sun Mar 12, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Impact driver (and possibly drill) recommendations
Replies: 36
Views: 1641

Re: Impact driver (and possibly drill) recommendations

If you will use it a lot then you have lots of good recommendations already. If you already have a good drill and only need an impact drill once every two years like me then the harbor freight will work fine and will cost a lot less.
by Blueskies123
Mon Mar 06, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 4768

Re: Car engines. Turbo vs no turbo

Automakers valuing mileage and performance over reliability and cost use Turbo's.

Automakers valuing reliability and cost over mileage and performance do not use Turbo's
by Blueskies123
Wed Mar 01, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4737

Re: What Car Should I Buy My Daughter as a Graduation Present

Where is she going to school, I hope not Boston. Cars are very expensive to keep in the city. If in Maine maybe a Subaru, if down south a front wheel drive would be fine. Do not spend too much money, there is a very good chance it will get in several accidents over the next few years.
by Blueskies123
Tue Feb 28, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 3093

Re: Favorite survival books?

The Jakarta Pandemic: A Post Apocalyptic/Dystopian Thriller (The Perseid Collapse Series) Kindle Edition

It is free on Kindle if you have Prime.
by Blueskies123
Sat Feb 25, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 1994

Re: Caribbean vacation with 3 kids

I would consider a cruise but my wife is cruise-phobic :annoyed Atlantis does look great, though pricey. I definitely am not trying to cheap out here, nor do I want to go to the other extreme; just looking for a Boglehead middle ground where get the best value. Thanks for the responses, the researc...
by Blueskies123
Thu Feb 23, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4612

Re: VTIAX now has 0.11% ER

IXUS has had .11% for a while, they are late to the game.
by Blueskies123
Sat Feb 18, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Per Trumps Order, IRS Stops Enforcing Individual Mandate (health insurance rquirement)
Replies: 8
Views: 1886

Re: Per Trumps Order, IRS Stops Enforcing Individual Mandate (health insurance rquirement)

How will this save you $695? If you do not have insurance (that is not logical), if you do have insurance and do not report it; than again that is unwise. I am surprised someone on this website would even consider either option.
by Blueskies123
Sun Feb 12, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3141

Re: Which 25X is it?

In this very low interest rate market, with high stock valuation, and saying 25x expenses might be too low. I think 28x is more common. Also, expenses should include ALL expenses, things like a new roof, air conditioners, cars, etc...
by Blueskies123
Sat Feb 04, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2306

Re: What bulk nuts do you buy and from where?

Costco, huge bags of most nuts.
by Blueskies123
Sat Feb 04, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 4922

Re: Walmart.com vs. Amazon.com

Same thing here. I am sticking with Amazon until Walmart figure out how to properly deliver it products.
by Blueskies123
Thu Feb 02, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2661

Re: Should you stop using your antivirus software?

Former Firefox developer Robert O'Callahan, now a free agent and safe from the PR tentacles of his corporate overlord, says that antivirus software is terrible, AV vendors are terrible, and that you should uninstall your antivirus software immediately. https://arstechnica.com/information-technology...
by Blueskies123
Tue Jan 31, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 24
Views: 3285

Re: going to cash w present instability

I see you joined in 2008. Have you been keeping up this site since 2008? Do you really think it is a good idea?
Do you have a balance portfolio already? If your 100% in stocks at your age it might be a good idea.

[OT comment removed by admin LadyGeek]
by Blueskies123
Mon Jan 30, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Please tell me if I can afford this Porsche
Replies: 81
Views: 5321

Re: Please tell me if I can afford this Porsche

As others have said and I agree, you can certainly afford the car. I would suggest considering a gently used impeccably maintained 911 which are readily available and within your budget. Was looking online this morning at a pristine one owner 2007 911 Turbo with 28k miles for $69k asking price........
by Blueskies123
Mon Jan 30, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Projections for bonds if stocks tank
Replies: 26
Views: 2366

Re: Projections for bonds if stocks tank

Like the other poster pointed it bonds will react differently depending upon why stocks are tanking. Terrorism will cause US treasuries to go up, inflation will cause bonds to go down.
by Blueskies123
Sun Jan 29, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Backtesting Home Prices against regular investments
Replies: 34
Views: 2886

Re: Backtesting Home Prices against regular investments

Homes require huge over head costs to maintain. In the last 10 years I have had to put on a new roof, had the pool resurfaced, new patio, painted the house, major fence repairs, new landscaping, then you have taxes and insurance. Then you have utilities and other minor repairs. I am sure if we added...
by Blueskies123
Mon Jan 23, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7664

Re: Carribean island most like Hawaii

Your not going to find 15,000 foot mountains but there are active volcanoes on some islands. You already have some good suggestions, i would skip Puerto Rico. One not mentioned is Martinique.
by Blueskies123
Wed Jan 18, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: All eggs in one basket
Replies: 14
Views: 1909

Re: All eggs in one basket

How much do you have with them? Look at the fine print, I think they have insurance for up to $20 million but it has been a while since I checked. I used to worry about the same thing but I realized I had money all over the place and if I had a stroke it be hard for people to figure out the paper tr...
by Blueskies123
Sat Jan 14, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity HSA fees
Replies: 6
Views: 596

Re: Fidelity HSA fees

That seems high. The only way around it that I can see is move the account somewhere else. Usually the employers picks up these types of fees. If you have no other options I would pay because the benefits of these accounts is unparalleled.
by Blueskies123
Sat Jan 07, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1942

Re: Gas Water Heater vs Electric Tankless

If you live in a hurricane prone area it is nice to know you have 40 gallons of clean water. In addition for a one or two day power outage I will have hot or warm water.
The only place those tankless water heaters make sense is if you live in a tiny apartment with no room for a water heater.
by Blueskies123
Sat Jan 07, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1942

Re: Gas Water Heater vs Electric Tankless

Here's a page I ran across recently. I won't vouch for his opinions but it's interesting reading. Short form: he doesn't like them. http://michaelbluejay.com/electricity/tankless.html Wow, what a great web site. I thought I had found all the money saving sites, how did I miss this one.
by Blueskies123
Wed Dec 14, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2741

Re: Frig Water Filter Cartridges...A Scam?

You went too cheap and got junk. I have been buying the $15 ones from Amazon for years with no problem. Another option is buy the ones that attach to you faucet, then fill a bottle and put into the frig to cool off.
by Blueskies123
Sat Dec 10, 2016 9:20 am
Forum: Investing - Theory, News & General
Topic: Long term interest rates
Replies: 13
Views: 1321

Re: Long term interest rates

Why do interest rates reverse course just because they hit zero? For 30 years interest rates have been on a downward trajectory. Whatever is causing it, demographics, modern technology, whatever it is it would seem as though those forces would continue to hold rates down. What causes them to change...
by Blueskies123
Fri Dec 09, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 218
Views: 46251

Re: My New Car Buying Tips

Big Worm wrote:I used Costco. Easy-peasy. I couldn't stomach dealing with all that haggling and the time and effort it takes.


I was very disappointed in Costco. I signed up but only got a call from the local dealers I had already contacted without much luck. They all wanted me to come in and negotiate.
by Blueskies123
Sun Dec 04, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's book
Replies: 25
Views: 2902

Re: Swedroe's book

blaming the printer seems a bit flimsy--i've been in publishing many years. Sounds like you didn't have an adequate editing/proofing process. Printers just print what they are given. maybe you went with a low-ball print arrangement, in that case its on you. no excuses. perhaps you would have been b...
by Blueskies123
Fri Dec 02, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Life-changing event just happened. Seeking portfolio review and guidance
Replies: 35
Views: 2885

Re: Life-changing event just happened. Seeking portfolio review and guidance

I have learned not to make a bunch of decisions in haste. Wait for the dust to clear, like seeing where and when he will get another job. There is not enough money to retire so he (or both) of you need to work. While you both are looking for work do a lot of reading, https://www.amazon.com/Little-Bo...
by Blueskies123
Thu Dec 01, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it
Replies: 23
Views: 3104

Re: Just bought a lot of bonds today per my IPS--and felt very uneasy doing it

You are buying bonds so you do not worry a lot more about your stocks going down 50%.
by Blueskies123
Mon Nov 28, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Cyber Monday - Kindle bargains
Replies: 7
Views: 1309

Re: Cyber Monday - Kindle bargains

Nice one. I picked up the Kindle version for $1.99
by Blueskies123
Sun Nov 06, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: BMW X5 M - Should I buy?
Replies: 46
Views: 4680

Re: BMW X5 M - Should I buy?

by Blueskies123
Fri Nov 04, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 7080

Re: Secure alternative to Gmail

Why do you need to encrypt your email? You know your employer can read your emails right and they have a copy of every email you have ever written right?
by Blueskies123
Thu Nov 03, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: ACA income shuffle
Replies: 33
Views: 3953

Re: ACA income shuffle

I paid big taxes for years. In 2014 I think I paid $50,000 in taxes. If I get a little of it back in subsidy that is not gaming. Gaming would be never working or paying taxes you whole life and then claiming a subsidy.
by Blueskies123
Tue Nov 01, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 31168

Re: Larry Swedroe's latest market returns forecast

I believe HomerJ's point has and still is that this looks like market timing. Yes, I can see your point. I would also add that when I originally set up my portfolio emerging markets and International were at all time highs. I watched those to markets sink for the next four years. What I have learne...
by Blueskies123
Tue Nov 01, 2016 7:08 am
Forum: Investing - Theory, News & General
Topic: Why can't stocks be deterministically/objectively/mechanically priced?
Replies: 75
Views: 4651

Re: Why can't stocks be deterministically/objectively/mechanically priced?

Very simple, you cannot accurately forecast future earnings and interest rates. Without this information no one can forecast security prices. It is all in A Ranom Walk Down Wall Street by Burton Malkiel.
by Blueskies123
Sun Oct 30, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Printer/Copier recommendation for home use
Replies: 18
Views: 1448

Re: Printer/Copier recommendation for home use

I went with Brother because of the cheaper ink and that I can find low cost generic. Canon and HP have ripped me off for hundreds of dollars in ink. The Brother is a little slower and a little less sharp but it is good enough.
by Blueskies123
Sun Oct 30, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 7896

Re: How much international?

In William J. Bernstein book The Intelligent Asset Allocator he states that despite our increasingly connected world correlations with international stocks have not gone down and owning International stocks reduces risk in a portfolio. He also says to know how expensive tomatoes (stocks) are and to ...
by Blueskies123
Sun Oct 30, 2016 7:52 am
Forum: Investing - Theory, News & General
Topic: Cap Weighted Index vs Equal Weighted Index
Replies: 14
Views: 1114

Re: Cap Weighted Index vs Equal Weighted Index

More risk for more return. This has been discussed here before, you can do a search for equal weight.
by Blueskies123
Sun Oct 23, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Car dealer "Internet Sales Department" - Useless?
Replies: 58
Views: 6188

Re: Car dealer "Internet Sales Department" - Useless?

You must be in a smaller town if you can only find 4 dealers within 75 miles. Like the other poster said you may have may have to double that or maybe more. I know it could be 3 hours there and 3 hours back but my son in law flew from Florida to North Carolina and drove back to save about $5000 on t...
by Blueskies123
Thu Oct 20, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1508

Re: marcellus mineral rights

I hope he/she is not selling it now, at the low, to buy a new car. The saying goes: buy low sell high not the other way around.
by Blueskies123
Tue Oct 11, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1912

Re: Identity theft -- again

Once you are hit by these bad guys they tend to keep going after you because many times the victims are not very carefully, not you, but many times they are old or careless people. Crooks actually sell the names of their victims to other crooks.
by Blueskies123
Fri Oct 07, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5852

Re: Johnnie Walker Blue worth the cost?

Just for a different perspective. If they like whiskey, but not necessarily scotch, I second Irish whiskey Nobody yet mentioned Midletons. In the same price range. Delicious. Thank me later. Plus it is something different they likely haven't tried yet Having lived in the UK and trying a lot of sing...
by Blueskies123
Fri Oct 07, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3703

Re: Join AARP

IMHO AAA has become a political organization.
by Blueskies123
Wed Sep 28, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas on Florida's Gulf Coast.
Replies: 31
Views: 2284

Re: Vacation ideas on Florida's Gulf Coast.

It depends how quiet of a town you want. I would tell you about Marco Beach but I will not bring it up because I like to keep it to myself. If you want more to do try Naples.
by Blueskies123
Wed Sep 28, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 2582

Re: Please recommend a new tablet

Why are you going thru some many tablets. Mine is like 5 years old.
by Blueskies123
Mon Sep 26, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: TV question
Replies: 8
Views: 696

Re: TV question

You need to dump that old crappy Westinghouse TV. They are about as cheap as you can get. It sounds like a capacitor is going and for such a cheap TV it is not worth fixing unless you know a TV repair guy that will give you a deal. Look for a sale on Samsung or Sony or if you want save a few bucks, ...
by Blueskies123
Sun Sep 25, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Used BMW X1
Replies: 23
Views: 2307

Re: Used BMW X1

Based on your question I assume you are cost conscious. Have you researched what the 30,60, or 90K service is going to cost you? What do you think a new battery and an oil change will cost you at the dealer? What will be the cost if the AC or alternator goes out?

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