Search found 182 matches

by Blueskies123
Thu Sep 21, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Factors are not characteristics but correlations
Replies: 11
Views: 682

Re: Factors are not characteristics but correlations

Is not timber usually considered a commodity and infrastructure (if you mean company stock) equity?
by Blueskies123
Wed Sep 20, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 11
Views: 438

Re: Excel (Office 2010) charts problem (charts disappear)??

I had this problem with a file a few years ago and the only way I could fix it was to re-link the graphs to the data then save and reopen
by Blueskies123
Tue Sep 12, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10049

Re: The 10 year car ownership "rule"

While I agree with the 10 year rule I see a major problem facing us. The safety improvements in the next few years are so compelling most people that can afford to will upgrade sooner. Can you imagine how fewer accidents will occur when people stop plowing into the back of you when you come to a sto...
by Blueskies123
Thu Sep 07, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2289

Re: Waterproof container for documents-pending Florida hurricane

Scan / photograph them, and store it in some cloud storage (iCloud, Box, Dropbox, etc., etc.). If you want, put the originals in your dishwasher (it is, after all, water-tight). dishwasher is a great idea I've read that but then I've also read concerns about the drain connection. Dishwashers do hav...
by Blueskies123
Sun Sep 03, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3142

Re: Why can't the future of stocks be predicted

investing1012 wrote:
Sun Sep 03, 2017 6:22 pm
Why can't the future of stocks be predicted, considering the fact that stocks should follow the laws of economy which you would think are based on rational actions

They can and are predicted, just not accurately.
by Blueskies123
Sun Sep 03, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12361

Re: Florida Hurricanes: When and where to go?

A lot depends on your employment situation. Some jobs require employees (and not just first responders) to stay and not evacuate. Many more jobs will not allow evacuating as early as would be necessarily to do so safely. Very true. Most people will lose their jobs if they do not show up for work. I...
by Blueskies123
Sun Sep 03, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12361

Re: Florida Hurricanes: When and where to go?

Just bought a home built with poured concrete and steel and plan to stay put....in a relatively new house built with newer hurricane codes. I'm not on the immediate coast. Several people have said in this thread that they live in concrete houses and plan to ride out a storm. Did you see the picture...
by Blueskies123
Sun Aug 20, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 38
Views: 3593

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

4???-5%????

You can do a lot better than that if you can put time into the process.
by Blueskies123
Fri Aug 18, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8350

Re: Little P**S Ants

I live in Florida also and those ants do not live outside, they are so small they live just fine in your house. You have to clean your house crazy clean and keep it that way . Keep all kitchen surfaces completely dry. The ants need water. Remove plants and any other water surface. Terro and or Boric...
by Blueskies123
Fri Aug 18, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 2739

Re: The Phillips Curve is not working!

Another reason that inflation has not picked up is that I think the real unemployment is much higher than reported. Many people have stopped looking for work.
In addition there is tremendous pressure from low cost imports.
by Blueskies123
Wed Aug 16, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2207

Re: Backup of Sensitive Information

I was looking at encryption for some files but could not understand an aspect of local encryption keys. You have the key stored locally and then all your hardware is stolen or destroyed. So then you buy a new computer and download your encrypted file how do you decrypt your files without the local ...
by Blueskies123
Tue Aug 15, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2207

Re: Backup of Sensitive Information

I use Arq backup software to encrypt my files locally and backup to OneDrive. I only use OneDrive because I have a fee terabyte through Office 365. Arq works with Amazon, google, and quite a few others. Arq is local software that backs up your files, encrypts them locally, and then sends them to th...
by Blueskies123
Mon Aug 14, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5317

Re: What a Low Return Outlook Means for Your Retirement?

In my view, the simplest and potentially most appropriate way to avoid sequence of returns risk and 'not leave too much money on the table' is to use a flexible withdrawal rate. The only real downsides I've heard anyone bring against it are that it retirees don't like variable income and may not be...
by Blueskies123
Mon Aug 14, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 6232

Re: How useful is a home security system?

rebellovw wrote:
Mon Aug 14, 2017 1:37 pm
Son could have mentioned it to friend and said friend or friend's brother, crazy sister or other acquaintance could have done the deed.
+1,

I had my kids make sure they turned on the alarm when it started to get dark.
by Blueskies123
Fri Aug 11, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3146

Re: Feeling guilty about travel expenses

It's your money, spend it as you see fit. You shouldn't feel guilty spending money to do something you enjoy. Let's put some context around this statement. I would agree with this comment IF: 1) you are maxing out your 401K and HSA. 2) you have zero credit card and car debt. 3) you have thought abo...
by Blueskies123
Tue Aug 08, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 1944

Re: Computer hacked - What to do?

Like the comment posted above: Has anyone called and said someone from Microsoft, Dell, HP, etc... telling you there's something wrong with your computer and they can help you fix it? If so this is how they got in.
by Blueskies123
Tue Aug 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Climate Controlled Storage Units
Replies: 8
Views: 730

Re: Climate Controlled Storage Units

I had a climate controlled unit while I was overseas only to find out what I got back that climate controlled meant there was a fan in the building.
by Blueskies123
Wed Aug 02, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9793

Re: Burned out at 28. Do I have enough?

Treat this as an (early) mid-life crisis. - Take a vacation - Have a fling - Buy a red sports car. Then get back to work. This is the advice you should heed. You will encounter other difficulties as you age and this doesn't seem like enough reason to make a potentially big change financially. If yo...
by Blueskies123
Tue Aug 01, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1553

Re: Who's Responsible?

If you spending this much time on this minuscule issue you are not going to make it.
by Blueskies123
Sat Jul 22, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3669

Re: Healthiest Beer for the Buck

If you want a focused answer to your question with no other aspects, then it would be the one with the least alcohol and fewest calories.
by Blueskies123
Sat Jul 22, 2017 7:34 am
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1113

Re: if spreadsheet with account balances goes to hackers?

Hi, I have a spreadsheet with brokerage, investment (cusip, ticker), amount and a bunch of characteristics of the investment. I don't have account numbers, passwords, etc. stored in the spreadsheet. For ease of sharing, I'd prefer to store unencrypted on google drive (I do have encryption software ...
by Blueskies123
Thu Jul 20, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: car lease buyout at term end - how negotiable?
Replies: 25
Views: 2188

Re: car lease buyout at term end - how negotiable?

Why in the world would you lease a car when you only drive 5K miles in 3 years? The dealer will get it back and be able to virtually sell it as new.
by Blueskies123
Thu Jul 20, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 203
Views: 32428

Re: Delay Social Security to age 70 and Spend more money at 62

I know we are not supposed to speculate on future legislative changes but I cannot help but see an elephant in this thread. 1) About 59 million people collect Social Security benefits each month, and they account for about one in six people in the United States 2) There are 76.4 million baby boomers...
by Blueskies123
Mon Jul 17, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 3026

Re: Anyone have a second home in The NC mountains?

Yes, we have one in Maggie Valley. You have to be realistic about how much you will use the home. So many home are empty for most of the year and all that money could be spent on traveling to other places. I suggest you rent for several months maybe several times and see if you get bored with the sa...
by Blueskies123
Thu Jul 13, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: New Commodities ETFs
Replies: 35
Views: 1771

Re: New Commodities ETFs

Larry Swedroe stopped recommending commodities some time ago. Since the 2008-2009 financial crisis, commodities have not done well, much of this due to the cheaper energy prices. When an asset class has been down for almost 10 years is that not the best time to move into an asset class IF you are l...
by Blueskies123
Thu Jul 13, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 7086

Re: William Bernstein on Meb Faber's podcast

I listened to the podcast the day it came out but did not have a chance to listen to the last 10 minutes, which I just listened to yesterday. He had one interesting point at the end. He said your house should not be considered part of your portfolio. He said if you sell it you have to rent or buy so...
by Blueskies123
Sun Jul 09, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7778

Re: how to destroy hard disk with personal info

I drill holes and then soak them in a bucket of water for a week with bleach to accelerate corrosion.
by Blueskies123
Wed Jul 05, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 6730

Re: 45yo 18M portfolio, best way to grow?

Why are you on Bogleheads, with your kind of portfolio you should have your money with the big shots. You need to be thinking about inter-generational tax planning strategies. I am not saying you need to paying big fees to fancy pants Morgan Stanley Investment Bankers but you can afford to pay someo...
by Blueskies123
Thu Jun 29, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2339

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by Blueskies123
Wed Jun 28, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Morningstar Portfolio Manager
Replies: 10
Views: 836

Re: Morningstar Portfolio Manager

If you checking your portfolio on a daily basis you are spending way too much time on this. I feel guilty checking once a month.
by Blueskies123
Tue Jun 27, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2322

Re: Cruise With The Grandkids

tennisplyr wrote:Carnival cruises typically are more family oriented.


Hmm, maybe but they are also more oriented to teenagers and young people that may or may not act like you would hope.
by Blueskies123
Fri Jun 23, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 17
Views: 1648

Re: Is the new Chevy Equinox any good?

If you get an American car you should get an extended warranty. Make sure you shop around. You do not have to get it as the dealer you bought the car from. No 3rd party warranty's.
by Blueskies123
Wed Jun 21, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5057

Re: Help with Guns in Estate [how to sell]

Are you sure none of them are collectible, rare, or highly valuable? I only say this because some random broker might try to take advantage of the situation.
by Blueskies123
Sat Jun 17, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 19334

Re: Siblings in disagreement over mom's house.

A side note, but still on topic, is that when you work on your will you should never just leave a house or any other large asset to 5 kids. How and when it can be sold and proceeds divided should be clearly written in the will. My parents left me in charge of all asset disposal decisions and the net...
by Blueskies123
Thu Jun 15, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 4159

Re: Privacy vs $$$$

What the heck kind of paint are you buying for $26/$33 a quart? Gold leaf?
by Blueskies123
Thu Jun 15, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4411

Re: Turbochargers

For me this is a simple equation. How much gas will I save in 100,000 miles and what will the be the cost to replace the T Charger in 100,000 miles. Yah, I know some of you will say they last over 100,000 miles but I am not going to be bet on it unless it is a Honda or Toyota T Charger. I wonder why...
by Blueskies123
Thu Jun 15, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3818

Re: scary phone calls

With Comcast I can block these phone numbers and NOMOROBO usually catches them before they get through. You can report the phone numbers to the IRS and FTC. Just Google how to report scams.
by Blueskies123
Mon Jun 12, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate Annual Expenses with spending volatility?
Replies: 15
Views: 720

Re: How to calculate Annual Expenses with spending volatility?

I see it was suggested to use 5 year average. Most people will loose discipline, go over budget, and just assume an under run in some future year. Does this remind you of something. I suggest you budget an amount each year for true emergencies. You fund this line item but cutting travel, entertainme...
by Blueskies123
Sun Jun 11, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 3102

Re: 2004 LEXUS RX 330

Your going to lose even more money if you sell your SUV and buy and old car. Just promise to keep your 30,000 SUV for the next 10 years and you will come out ahead at the end.
by Blueskies123
Sat Jun 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Is there a calculator that solves for optimal Roth conversion
Replies: 54
Views: 4763

Re: Is there a calculator that solves for optimal Roth conversion

Some people have mentioned that death of a spouse or longevity make a model to complicated to design. My thinking is that for most people, but not all, we can assume that a couples will stay married and by using one of the longevity models we could plug in assumed life expectancy. I never smoked and...
by Blueskies123
Thu Jun 08, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a calculator that solves for optimal Roth conversion
Replies: 54
Views: 4763

Is there a calculator that solves for optimal Roth conversion

I am juggling all of the following: when to take social security vs minimize income and continue with ACA credits for now since my retirement income is low vs taking long term capital gains at my current low income tax rates (tax free) and losing ACA credits, and possibly creating some Roth Conversi...
by Blueskies123
Mon Jun 05, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3334

Re: Gas station prices and quality

Fortunately I have a Costco near me that is a top tier station and the cheapest
by Blueskies123
Sat Jun 03, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9692

Re: Everything keeps going up, this feels too easy?

I feel this way too but I also felt that way the year before and the year before that year. At this point everyone I follow like Swedroe, Fabre, and others also feel we are at high valuations. Not that they think a crash is coming, maybe just 10 years of meager returns. I am normally at 60/40 but ha...
by Blueskies123
Fri Jun 02, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4626

Re: Please critique my attorney's suggestions..

If you both pass they will need some money in college, if they go to college. If they think there is a pot of money at 25 they might not go to college. I would have the trust pay for collage, and living expenses, IF they go. You did not say how much money you have in the trust. Maybe you set it up t...
by Blueskies123
Wed May 31, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5437

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

You have 300 posts and you are asking this question??? Have long have you lived in Miami? Do ya think this is a good idea? When someone points out to you that they made big money from a hot stock pick, real estate purchase, etc, it does make me question my strategy. I've lived in Miami for 5 years ...
by Blueskies123
Wed May 31, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5437

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

You have 300 posts and you are asking this question??? Have long have you lived in Miami? Do ya think this is a good idea?
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: 3539

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: 1120

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: 3539

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...