Search found 90 matches

by Calhoon
Sun Jul 16, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: stock market demographics
Replies: 3
Views: 567

Re: stock market demographics

Cool, thanks. That was what I was looking for.
by Calhoon
Sun Jul 16, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: stock market demographics
Replies: 3
Views: 567

stock market demographics

Where can I find statistics on the stock market as to ownership in every way imaginable -- income, age, education, etc.
by Calhoon
Mon Jun 12, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 1706

Re: learning Arabic

Thanks again for the replies. After some of the responses on the challenges of Arabic, I thought I had her talked into Mandarin instead but now we're back to Arabic. Think I'm going to start her out on Rosetta Stone through the library, and see how that goes. Would like to try out that italki.com. L...
by Calhoon
Sat Jun 10, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 1706

Re: learning Arabic

Thanks guys. This gives me somewhere to start. I'll check out the suggestions here, and take a look at Rosetta. Thought they had some deal on it through the library. Aspiring lawyer -- as far as the motive, she's just really interested in learning new languages. She's been studying French and Spanis...
by Calhoon
Sat Jun 10, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 1706

learning Arabic

For something to do this summer my 14 year old daughter wants to learn Arabic. She's asked me if she could take classes on it over the summer about two dozen times now. Anyone have any ideas where you'd get Arabic lessons from or anywhere you'd get a tutor, maybe online? I thought craigslist, but in...
by Calhoon
Wed May 03, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 28
Views: 2556

Re: water softener for whole house?

After a good deal of research, this is what I went with a few years back:
https://www.ohiopurewater.com/
by Calhoon
Wed Mar 01, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: inflation
Replies: 5
Views: 721

Re: inflation

When you're talking about the Regean era, didn't volcker need to purposely trigger a recession because stagflation from the seventies had gotten so out of control where a recession was the least of two evils?
by Calhoon
Wed Mar 01, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: inflation
Replies: 5
Views: 721

inflation

what's everyone's thoughts on inflation going forward? After the fed's aggressive stimulus I thought we'd be looking at inflation, which I guess hasn't really come to pass, but now on the fiscal side it seems to me that just about every proposal is inflationary and it's coming from many directions s...
by Calhoon
Mon Jan 16, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Out of town mechanic botched fix
Replies: 19
Views: 1939

Re: Out of town mechanic botched fix

If you're having problems with the mechanic take it up with your credit card company.

I had a problem where a mechanic botched a job on my car, and I think it was on this forum that the suggestion came up that I complain to my credit card company. Actually worked.
by Calhoon
Wed Jan 04, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 24663

Re: Vanguard Customer Service

My experience with vanguard customer service has been dismal. Transferred 500k from my 401k account to vanguard, and they managed to screw it up in about four different ways. The ira transfer specialist told me to have them just send a check. He said that wiring the money would be "too hard.&qu...
by Calhoon
Fri Nov 18, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 2821

Re: Vacation spots on Alabama's Gulf coast

Another Orange Beach. Went there a couple years ago for Spring Break. My wife got a great deal on a condo that had to be the nicest place I've ever stayed in for an incredibly reasonable price. Can't remember where offhand but if you're interested, let me know and I'll find out. I thought the area w...
by Calhoon
Sun Sep 18, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 1720

Re: Sawzall and Batt Opertated tools questions?

Depends how big of the branches are. I find myself using a 12 volt or 18 volt sawzall all the time for pruning and taking out branches just because it's so much more convenient then getting out a chainsaw and screwing around with it. Was surprised at what that little 12 volt thing could handle, but ...
by Calhoon
Thu Sep 15, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 2584

Re: the upcoming bond bubble

Reading my original post, the opening statement might have come across as sarcastic, which I did not intend.
by Calhoon
Thu Sep 15, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 2584

the upcoming bond bubble

I know that the general sentiment on this board is that there is no bond bubble and nothing to worry about in that sector, but let's pretend for a second that there actually was one. What do you suppose this would do to the rest of the market? Would the shock rout stocks as well?
by Calhoon
Tue Sep 13, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: Pessimism in the financial press
Replies: 18
Views: 3139

Re: Pessimism in the financial press

What struck me as interesting was that there's no investing/finance magazines on the racks anymore. Whenever I had to wait around a grocery store or department store like target or some place I'd flip through the money magazines to pass the time and now suddenly there are none. At all. Years ago the...
by Calhoon
Thu Sep 08, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Selling a home without a realtor
Replies: 29
Views: 3327

Re: Selling a home without a realtor

In a similar situation where I was putting our house up for sale, though in our case trying to figure out between full realtor versus three percent. At full it'd be like 25k to sell the house which to me seems like quite a bit. The three percent guy is this young kid who I'm not sure if he's old eno...
by Calhoon
Sun Sep 04, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 9189

Re: Frustrated Losing Weight!

Quite a few years ago I switched over to eating mainly fruits and vegs. My wife would make this veggie burritos and I'd have those quite a bit. Would gorge myself on fruits and vegatables, eatting like a pig. Also, was exercising quite a bit. Doing a lot of hiking/running. None of this was to loose ...
by Calhoon
Sat Aug 27, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 66
Views: 12428

Re: Medallion Signature Guarantee

Just went through this. Required a Medalliion to transfer 401k from last job over to vanguard. Thing was my local bank did not perform this service, and none of the banks in the area that I called would unless you were a customer. Some then required that you keep the account for a year, or you had t...
by Calhoon
Thu Aug 25, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 2585

Re: how much should I shoot for as a contractor

Everyone thanks for the responses. Defiantly helps. I need to know what my final take home would be after all the smoke clears to make sure the move still makes sense, which I think I have a better bead on now. Only thing throwing me yet is insurance, though maybe I'll just figure 1,000 per month an...
by Calhoon
Wed Aug 24, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 2585

Re: how much should I shoot for as a contractor

Okay, great that helps. The rate I was getting offered was half of the low end of that range with no benefits. After benefits and taxes hacked away at it I'd be back down to what I was getting paid as a dishwasher back in 1984.
by Calhoon
Tue Aug 23, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 2585

how much should I shoot for as a contractor

Completely baffled about how much I should compensate for as a contractor. Seen some threads here where the general rule of thumb is ask for 2X what you would be paid salaried, though seemed to me most of these threads were for physicians, IT personnel -- fields that could command a very high rate. ...
by Calhoon
Sun Aug 21, 2016 2:13 pm
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 10141

Re: This is why a 100% stock allocation is a bad idea

I'm not sure this is the best example. You used your one hundred percent allocation to invest in something that was far, far less diversified than the one hundred percent stock portfolio you started with. Glad it worked out for you though, that's great. So, I guess what you're saying is that when al...
by Calhoon
Thu Aug 18, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-nup questions
Replies: 35
Views: 4974

Re: Pre-nup questions

Little bird, you're not understanding. If she dies first, the state will recoup half of the assets for his stay. Makes sense. Now if he would die first, then the state is no longer interested in recovery regardless of what happens to my mother. If she would die five years later they don't go after t...
by Calhoon
Thu Aug 18, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Pre-nup questions
Replies: 35
Views: 4974

Re: Pre-nup questions

My father died 20 years ago, leaving my mother and inheritance and she paid off the house. About 750k altogether now just so you have an idea of worth. 10 years ago she got married to this guy who a year later falls down the stairs and puts himself in the nursing home. He's on medicaid. For my mothe...
by Calhoon
Fri Jul 15, 2016 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend ETF
Replies: 10
Views: 1262

Re: Vanguard Dividend ETF

PJW -- Kept seeing people like Malkeil and Seigel talking about dividends. Seigel most recently. Though had also seen on some of the vanguard etfs that the ytds was pretty good.
by Calhoon
Thu Jul 14, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend ETF
Replies: 10
Views: 1262

Vanguard Dividend ETF

Any of you guys here invested in vanguard dividend etfs or dividend etfs from other companies?
by Calhoon
Tue Jul 12, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: dividend paying stocks good substitutes for safe bonds (NOT)
Replies: 102
Views: 9779

Re: dividend paying stocks good substitutes for safe bonds (NOT)

While not a substitute for bonds, aren't dividend etfs performing better than indexes and bonds ytd?
by Calhoon
Sun Jun 05, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 10847

Re: Crazy housing market

In the community where I live in Wisconsin they're building like crazy. At levels far beyond what I remember them in the 2000s around here. In our small town subdivisions are popping up everywhere, as are condos. Hundreds and hundreds of lots and units. Not sure where all these people are coming fro...
by Calhoon
Sat Jun 04, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Best video editing software?
Replies: 14
Views: 1321

Re: Best video editing software?

Final Cut Pro is awesome. Been using it since it first came out.
by Calhoon
Wed Apr 27, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Job Reference Procedure
Replies: 5
Views: 787

Re: Job Reference Procedure

Thanks for the replies.
by Calhoon
Tue Apr 26, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Job Reference Procedure
Replies: 5
Views: 787

Job Reference Procedure

Was hoping someone with hr experience could chime in. After quitting my job last Nov, taking a break over the holidays, I'm starting to look for a job again. Dealing with staffing agencies. The latest has requested references at what I felt was an early stage in the process. We had talked about the ...
by Calhoon
Mon Feb 29, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 73407

Re: Free Windows 10 Upgrade, Yes or No?

Didn't read thread just wanted to throw this in. For my hp pavilion the free upgrade was a kiss of death. Screwed the thing into the ground. Was shutting down by itself constantly, in the middle of work. Spent I don't know how many hours searching for solution, pulling out hair. Can't imagine how fr...
by Calhoon
Wed Dec 30, 2015 11:57 pm
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 2767

Re: Who Reads the Comics?

Calvin and Hobbes! Nothing comes close. Watterson's work on some of those sunday strips was brilliant.

Though now that someone mentioned it in this thread will need to revisit those Barks Donald Duck. Have fond memories of those but it's been a good thirty years.
by Calhoon
Wed Dec 09, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 316
Views: 34285

Re: Flaunt Your High-Mileage Car

Avalon. 230,000.

Determined to make it to 300,000 if I have to push it there...though starting to fall apart. Engine will last forever but the struts for example are in rough shape and there's no way I'd throw money into fixing that and it's beyond my mechanical capabilities.
by Calhoon
Mon Nov 30, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Housing one more time
Replies: 28
Views: 3547

Re: Housing one more time

Longinvest --great this is going to come in handy. Paid off my mortgage years ago, and so if I sold, which is what I'm planning on doing this coming Spring, one possible scenario was that I'd rent and invest the money. Probably won't happen, but I enjoy thinking about it. Alto Astro -- back when I f...
by Calhoon
Sun Nov 29, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Housing one more time
Replies: 28
Views: 3547

Re: Housing one more time

Twins Fan. Think we're on the same page, a house is a place to live, not an investment, but I do disagree about taxes, mortgage interest, transaction costs. I think you're tricking yourself believing that these aren't costs of home ownership, given that they really are the cost of home ownership. If...
by Calhoon
Sat Nov 28, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Housing one more time
Replies: 28
Views: 3547

Re: Housing one more time

Badger -- was wondering about the opportunity cost. Though seems to me it'd only be on the money I put down that was available for investment, which was 100k. Really should factor that in as well at a minimal return. Timelord -- in my case the tax deduction was never all that significant. Only borro...
by Calhoon
Sat Nov 28, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Housing one more time
Replies: 28
Views: 3547

Housing one more time

Often seen threads here and elsewhere how housing is a horrible investment as it doesn’t keep up with inflation. Certainly seems to be the case with me. Lived in a house we bought in 2001 for 224,000, which factoring in inflation would be 300,000 today. I factored in: mortgage interest, maintenance ...
by Calhoon
Fri Nov 20, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 26
Views: 4258

Re: Going Part time

Cool. Thanks. Will check this out.
by Calhoon
Thu Nov 19, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going Part time
Replies: 26
Views: 4258

Re: Going Part time

What nolo book are you referring to. Punched it up in google and wasn't getting anything. I'd be interested in checking it out.
by Calhoon
Mon Nov 09, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: housing development impact on existing homes
Replies: 7
Views: 1006

Re: housing development impact on existing homes

Yea, our neighborhood doesn't happen to have a home owner association, but oddly even at the age of house we are one of the few neighborhoods in the area that doesn't. Still trying to get better information on the neighborhood that's going in, little hazy, but my guess is it would have one given tha...
by Calhoon
Mon Nov 09, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: housing development impact on existing homes
Replies: 7
Views: 1006

housing development impact on existing homes

What impact would massive new subdivision developments have on the value of an existing home? There are two large subdivisions being built in my area both of which are within a couple miles of my house. One will have 75 houses whereas the other will have 55. The one about a mile away will have homes...
by Calhoon
Fri Oct 02, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k from former job
Replies: 6
Views: 558

Re: 401k from former job

Thanks everyone for the replies. Yea, I'm not sure if there are any extra fees with keeping my money at Transamerica Retirement Solutions. Called them up but according to the phone system I don't exist and it won't let me talk to anyone. This has happened to me in the past a few times where I didn't...
by Calhoon
Fri Oct 02, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401k from former job
Replies: 6
Views: 558

401k from former job

Just quit my job a week ago. In my 401k plan I have about 500k in all equity funds, all of which are vanguard. Figured I'd roll this over to a Vanguard IRA, but am little concerned about the timing where if my past luck is any indication I'll hit it just in time for the markets to tank and then subs...
by Calhoon
Sat Sep 26, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice about stepping away from work.
Replies: 8
Views: 1991

Re: Looking for advice about stepping away from work.

In the same situation. 48. Had been toying around with the idea of working less, spending more time with the kids, doing something I'm passionate about in the remaining years of my life. I feel I have enough saved for my wife and me for retirement (our projected standard of living then will be highe...
by Calhoon
Wed May 27, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Best Kid Toys
Replies: 32
Views: 5100

Re: Best Kid Toys

Those razor push scooters can't say enough about. In a world of junk, these are amazingly durable, and like the other poster, the kids are on them all the time. Don't know about the electric ones though. heard those aren't as good, but can't realy say. However, the best thing we bought our daughter ...
by Calhoon
Tue May 12, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 2223

Re: Mechanics fails to fix problem

Thanks everyone for the replies.
by Calhoon
Tue May 12, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 2223

Re: Mechanics fails to fix problem

Problem was the front end/steering wheel would shudder violently, albeit intermittently. Would happen at various speeds and conditions, accelerating, coasting, bumpy roads, smooth roads. However, seemed to happen most reliably at 45 miles per hour, and regardless of speed you couldn't go ten minutes...
by Calhoon
Tue May 12, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 2223

Re: Mechanics fails to fix problem

Barnaclebob -- They had replaced the tierods, but as to what's really causing the problem, I still don't know. At different times the owner, who was who I was talking to, said it was the struts, then the drive train, and then when I suggested maybe it was a seized caliper he said it was that. We tal...
by Calhoon
Mon May 11, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 2223

Mechanics fails to fix problem

Sure this must happen all the time. Take a car in for repair, mechanic fixes the problem, you drive away only to find out he hasn't fixed the problem at all. Now you have two problems: the original problem, plus a bill for repairs that failed to fix the problem. What do you do in a situation if anyt...

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