Search found 135 matches

by Blueskies123
Thu May 25, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 2816

Re: Fidelity customer protection guarantee-void if you use Mint?

I just don't believe that Fidelity's wording is good enough to stand up in court. It's too vague. They wouldn't be going up against an individual, it'd be a large group of individuals in a class action lawsuit in my opinion if a breach occurred. I'd hate to be part of that first group that gets bre...
by Blueskies123
Wed May 24, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major home and auto hail damage claim - now what?
Replies: 8
Views: 874

Re: Major home and auto hail damage claim - now what?

Your in for a nightmare. Living in a hurricane prone area my experience is that the insurance company will send the house money to a bank in escrow and you have to submit paid invoices to get your money, one invoice at a time. The people swarming your neighborhood will double their rates so the $45K...
by Blueskies123
Wed May 24, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 2816

Re: Fidelity customer protection guarantee-void if you use Mint?

90% of my retirement assets are at Fidelity. For that very reason I do not do any on-line banking with Fidelity. I wire money from Fidelity, if I need to, to my bank and do all my on-line banking with my local bank. I really like Mint so I connect Mint to my local bank, credit cards. That way Mint s...
by Blueskies123
Mon May 22, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 32
Views: 2764

Re: Firefox painfully slow

You do not say what kind of computer you have. If it is a 64 bit computer you can download the new 64 bit Firefox. You have to look for it on their website. They make it hard to find. I downloaded it yesterday and everything works faster.

As mentioned you might want to do the refresh first.
by Blueskies123
Thu May 18, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Kitces - new tools for safe withdrawl rates
Replies: 3
Views: 998

Kitces - new tools for safe withdrawl rates

A lot of Kitces material is aimed at professional financial planners but this article reviewed a number of new software tools for safe withdrawal rates, most are expensive but have a free two week sighup period. In particular there is one very interesting chart going back to 1926. The chart cleanly ...
by Blueskies123
Tue May 16, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting/Factors: My Conclusions (Challenges welcome)
Replies: 48
Views: 2596

Re: Tilting/Factors: My Conclusions (Challenges welcome)

My 2 cents is that tilting with factors might make sense if I had 10-100 million dollars or was the co founder of data rich mutual fund but for me, my factor is simplicity. I tilt slightly to small caps and that is it. KISS.
by Blueskies123
Mon May 15, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]
Replies: 29
Views: 1971

Re: Check engine light. Toyota Avalon 2006, 155K miles [safety issue?]

Did you do the big service required at 120,000 miles. They change the spark plugs
by Blueskies123
Mon May 15, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7210

Re: How do Bogleheads buy cars?

I would rather buy Total Market Index Fund from Vanguard than an expensive car so I have bought 2 Ford Fusions and 1 Silverado work Truck for my current 3 vehicles. I have never had a car payment other than for 3 months when Ford knocked 1000 off one of my Fusions if I would finance it. I'm sure yo...
by Blueskies123
Thu May 11, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 9944

Re: Did you buy SNAP?

Snapchat reminds me of the B2B and .com bubble
by Blueskies123
Mon May 08, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Geico Homeowners Ins went up 11%
Replies: 24
Views: 2271

Re: Geico Homeowners Ins went up 11%

I retired from a large property and casualty Insurance company. I found that there is no reason to be passive with rates. They don't worry when your rates go up, so I shop rates every year and usually change companies every 3-4 years depending on the best rates. They are all governed by the State I...
by Blueskies123
Wed May 03, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 2013

Re: Truck purchase: buy new vs buy used vs lease analysis

People complain they cannot get discounts off of the Camry or Accord- it thee most popular car. The F150 is thee most popular truck. You are going to get screwed on the price unless you go with a less desirable truck - like Chevy, GMC, or Ram. If you have to have a F150 maybe you can find a demo or ...
by Blueskies123
Sat Apr 29, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Marriage Advice
Replies: 10
Views: 1396

Re: Marriage Advice

It is funny how no one - anywhere - ever talks about why men want out of a marriage.
by Blueskies123
Thu Apr 27, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4558

Re: Stay Out Of REITs?

Despite what the others say it does not make a lot of sense to diversify into REITs at all time highs.
by Blueskies123
Mon Apr 24, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Space X launch in Florida
Replies: 8
Views: 1109

Re: Space X launch in Florida

You have to be prepared for a cancelled or a postponed launch. The launch I wanted to see was rescheduled 3 times. Fortunately I live in Florida and am retired so I just moved the date on my calendar. Also be advised that if they move the launch date you will not get your money back, they expect you...
by Blueskies123
Thu Apr 20, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36757

Re: Larry Swedroe says "Goodby."

I was always appalled at those personal attacks I read after you would post. To think that you would invest 15 hours of your time each week to educate us for free is admirable and for one I appreciated your contribution. I wish there was a solution other than you to leave, it would be better to ban ...
by Blueskies123
Wed Apr 12, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7379

Re: leaving early from work

If they let you come in late why should anyone else come in on time? Will your coworkers have to do your work if you come in late every day? I noticed in your post that you did not say you could work late to make up the lost time. Are you thinking you will just work less hours than everyone else?
by Blueskies123
Mon Apr 10, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11240

Re: Ordering a Weber grill this week

Expensive for a grill...but with a cover I expect it to last "forever"... I have learned the hard way to never use a cover. My expensive stainless steel grill rusted completely out within two years. The cover traps warm humid air next to the grill all summer long. Once I lost the cover......
by Blueskies123
Mon Apr 10, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11240

Re: Ordering a Weber grill this week

I have the closed Genesis with the side burner and cover. The cover keeps dust and dirt away and makes for a much cleaner appearance. Some guests like a nice clean and shiny object to look at but I like it also so it is important to me. I do not use the side burner much but I would get it again beca...
by Blueskies123
Sun Apr 02, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1567

Re: Florida prop taxes + insurance?

You need to compare auto insurance also, I, it will be much higher in Florida.
by Blueskies123
Fri Mar 31, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 7870

Re: Bankruptcy of Westinghouse Electric

Nothing wrong with current nuclear tech except the price is too high.... And the current fuel cycle is kinda inefficient with the U.... And Breeders are super expensive and more technically challenging than boosters claim. Wind and Solar (and soon storage) is where's its at. Cheap. Plentiful. Power...
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: 445

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: 937

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: 53
Views: 8486

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: 2609

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: 122
Views: 9163

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: 1858

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: 5403

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: 5478

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: 3502

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: 2250

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: 5033

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: 1945

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: 3371

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: 2462

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: 5258

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: 2858

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: 3379

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: 5732

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: 2466

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: 2974

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: 8080

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: 1968

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: 787

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: 2050

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: 2050

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: 2881

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: 1368

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: 47953

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.

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