Search found 288 matches

by Jim180
Sat Nov 05, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 4832

Re: New Dentist - Lots of Recommended Work

I would have asked the dentist to show me on the x-rays where he sees the cavities.
by Jim180
Tue Oct 11, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1112

Re: Furnace issue

Could be a pressure switch problem. Switch may not be opening or closing properly. One simple thing you could try is turn off electric to furnace, remove the hoses from pressure switch and blow into them. Sometimes there's a blockage in the hoses. Put the hoses back, turn on power and try starting f...
by Jim180
Mon Oct 03, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

Re: New furnace part or new furnace?

I guess I'll just pay the $650 and get it repaired. I could get the part easy and maybe do it myself. I'm reluctant to try it because I have to remove the burner assembly to replace the inducer. That's the way my furnace is designed. My concern would be that I accidently damage the burner or don't s...
by Jim180
Fri Sep 30, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

Re: New furnace part or new furnace?

I just learned that the part I need is available on Amazon for $40, but I don't have the technical expertise to install it. The tech wants $650 and can probably install it in a half hour. What a ripoff!
by Jim180
Fri Sep 30, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

Re: New furnace part or new furnace?

MNGopher wrote:My gas furnace has been through 21 Minnesota winters and still going strong.

Thanks for that post. I told the tech I'm leaning toward fixing it but will let him know Monday.
by Jim180
Fri Sep 30, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

Re: New furnace part or new furnace?

Curious, did the HVAC fellow tell you it has a shorter lifespan? When furnaces are designed and engineered, they usually last 20 years plus, now water heaters on other hand last 6-10 years, though could last longer. No, he didn't tell me that but I thought I read it somewhere. When he said 10-15 ye...
by Jim180
Fri Sep 30, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

Re: New furnace part or new furnace?

JoinToday wrote:My furnace & AC are over 20 years old. 10-15 years seems short, but I live in southern California. Maybe mine gets less usage.

I would replace it (myself).

I live in PA in a mobile home. It's a gas furnace. Mobile home gas furnaces have a shorter life span than most.
by Jim180
Fri Sep 30, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1474

New furnace part or new furnace?

Was told by HVAC tech I need a new inducer for my furnace, cost $650. My furnace is 9 years old. The tech said a furnace like mine usually lasts 10-15 years. Cost of new furnace would be about $3500. Would you get the new part or consider a new furnace?
by Jim180
Sat Apr 16, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 277

Re: Wash sale?

yes, wash sale. think of it this way: wash sales apply to the individual, not to the the account. http://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Does the Wash-Sale Rule Apply to IRA transactions? In 2008, the IRS issued Revenue Ruling 2008-5, in which it addressed the que...
by Jim180
Sat Apr 16, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 277

Re: Wash sale?

livesoft wrote:Super bad wash sale. Don't do that if you want to deduct the loss on your taxes.
So the fact that these accounts have different account numbers does not matter?
by Jim180
Sat Apr 16, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 277

Wash sale?

I'm selling an investment in a taxable account that has a loss and immediately buying the identical investment in an IRA.
by Jim180
Tue Aug 25, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 5537

Re: Oversized HVAC?

We have Carrier's Infinity tstat, which is Carrier's top line of tstats. However, there is no way for me to adjust the sensitivity of the tstat. My thoughts are a properly sized HVAC should take more than 7 minutes to reach the set temp, without the tstat tricking it to do so. Well, I will say this...
by Jim180
Mon Aug 24, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Buy and hold Apple shares
Replies: 8
Views: 1788

Re: Buy and hold Apple shares

The odds are that you will come out ahead if you hold the shares long enough. Will it be before you need a new vehicle? Who knows?
by Jim180
Mon Aug 24, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 5537

Re: Oversized HVAC?

Your unit might be oversized but here's something also to think about. When you got the new unit they probably installed a new thermostat. Are you able to adjust the on/off temperature span on the thermostat? What temperature does it come on at and what temperature does it turn off at? When I got my...
by Jim180
Fri Jul 03, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1457

Re: How to check annualized return

Have you spoken with any Schwab rep for guidance? That would be the most obvious place to start.
by Jim180
Thu Jul 02, 2015 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Dividends
Replies: 9
Views: 1837

Re: Bond Fund Dividends

I'm not an expert on bonds but it would seem to me that while an investor may feel shortchanged on dividends right now when yields start to rise, the long term investor will make up for it in the next cycle when yields start to fall again. If I understand bonds correctly then at that time investors ...
by Jim180
Fri Jun 12, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 8445

Re: The 'Monday Effect'?

joer1212 wrote:I have noticed that stocks tend to rise on Fridays and dip on Mondays.
I guess everyone knew that the first Friday after this post stocks would dip, not rise. We'll see what happens Monday.
by Jim180
Fri Jun 05, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Short term interest rates
Replies: 5
Views: 601

Re: Short term interest rates

When the Fed raises rates it will help things like CD's and MM funds. Stocks can also continue to rise. Raising short term rates will not cause a bear market in stocks unless they would raise too much too soon and then cause a recession. That is very unlikely since they already stated they would mov...
by Jim180
Tue May 19, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 27
Views: 3479

Re: Thrift Savings Plan and three-fund portfolio...

This quote is from the March 23, 2015 minutes of the Federal Retirement Thrift Investment Board: "Ms. Weaver reported that the committee report accompanying the House resolution offered examples of how such savings could occur, which included increased contributions to the defined benefit port...
by Jim180
Thu May 14, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 3890

Re: Is the Post Office slowing down first class parcel delivery?

The Postal Service has closed and consolidated a lot of mail processing plants to try and cut costs. The remaining plants have more mail than they can handle. They announced some time ago that they were lowering service standards on first class letter mail. So it is not surprising to hear that parce...
by Jim180
Sun May 03, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 15858

Re: Will you buy self-driving car?

I will never buy one unless I'm forced to. I would feel LESS secure if the car was in total control. I always want some control in any situation that could mean life or death.
by Jim180
Thu Apr 23, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 5064

Re: A Great List of Useless Financial Porn Phrases

I have to laugh when I hear someone say something like " I'm cautious in the short term, but long term I'm bullish".
Translation: " We could have a correction anytime but 20 years from now I think the market will be higher."
by Jim180
Tue Apr 21, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 4294

Re: Broken Oxygen Sensor on Car

I had an O2 sensor replaced a couple of years ago for $212.00. The repair shouldn't have gone up in price that much, so $500 is high. I was told by a mechanic that my car would not pass inspection with the "check engine light" on.
by Jim180
Sat Apr 18, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1680

Re: Is this an index fund?

The dead giveaway is that it offers downside protection. No true index fund can offer downside protection. Only an annuity can do that, FOR A PRICE!
by Jim180
Fri Apr 03, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 4249

Re: Bogle says: "Active mutual funds could disappear:

If Mr. Bogle is right then it could mean a lot of financial advisors will disappear.
by Jim180
Tue Mar 31, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 6054

Re: Bear market warning sign

Now you'll have everyone in European and Emerging Market countries mad at you when their stocks plummet.
by Jim180
Tue Mar 17, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 6959

Re: Why Funds Over ETFs?

Perhaps to discourage marketiming. Mutual funds ( especially Vanguard) have strict limits on how often an investor can buy or sell. ETF's have no trading limits to my knowledge.
by Jim180
Fri Mar 13, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 3009

Re: Where to purchase Windows? What version?

The most current version of windows is 8.1. Windows 10 is set to be released very soon. However when someone tries to upgrade to a newer version of windows on a computer that had an older version a person must be careful because sometimes an older machine may not be able to handle a newer version of...
by Jim180
Thu Mar 12, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 11283

Re: What won't you pay with Credit Card?

The only things I use my credit card for are gas, and ordering things from Amazon.
by Jim180
Thu Mar 12, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 3447

Ink Cartridges dry up on seldom used printer, any ideas?

I have a HP Deskjet printer for home use. It is the kind that uses the very small printer cartridges. I seldom print anything but since this is tax time I decided to print copies of my tax forms. As usual, the cartridge was dried up. Obviously it makes no sense to buy new cartridges each time I need...
by Jim180
Sat Mar 07, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 7271

Re: Proactively replace water heater?

I think you answered the key question to this decision when you said a major failure would cause thousands of dollars of damage. Get it replaced.
by Jim180
Sun Feb 22, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 24
Views: 2941

Re: The QQQ fund?

Whatever you do, don't buy QQQ and Apple TOGETHER. Apple already makes up 15% of the QQQ shares so buying both would make you way too heavy in Apple.
by Jim180
Thu Feb 19, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Why does 10-year T note price change daily?
Replies: 3
Views: 606

Re: Why does 10-year T note price change daily?

Uncertainty about when the Fed will begin to raise rates, conflicting economic data, and volatility in stocks can all cause volatility in the 10-year Treasury price.
None of that should matter however to the long term investor.
by Jim180
Mon Feb 16, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 2689

Re: One stock

Well, it's got to be a company that provides a service or product(s) that cannot become obsolete in 20 years and almost a zero chance of bankruptcy. Many to choose from but I'll make a bet that people continue flying so I'll go with Boeing (BA).
by Jim180
Sun Feb 01, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Money market vs bonds
Replies: 9
Views: 914

Re: Money market vs bonds

Waiting for things to settle down sounds like waiting till the market starts moving back toward record highs. If that's the case then selling is a mistake.
by Jim180
Mon Jan 12, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4905

Re: Time for a new dentist?

I would stay with him as long as you are satisfied with the dental care you receive when you have a problem. Simply decline any services or products that he may try to sell you that you feel are not necessary.
by Jim180
Sat Dec 20, 2014 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 6546

Re: What "actively" manged funds do you own?

I own Vanguard Short-Term Investment Grade (VFSNX), about 20% of portfolio. I also own DoubleLine Total Return (DLTNX), about 10% of portfolio.
by Jim180
Sat Dec 20, 2014 5:23 pm
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 11720

Re: How do you define "being rich"?

It's tough to define in terms of dollars because we don't know what kind of lifestyle an individual has. A person with a million dollars is not rich if they spend $100K/yr on their lifestyle. I think rich is when a person doesn't have to work unless they want to. I'm not talking about the 70 year ol...
by Jim180
Wed Dec 17, 2014 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 2718

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

The Vanguard website still shows the fund with a +1.73% Total Return YTD. The drop in oil has raised default fears among energy companies. In 2008 the fund fell 21%. I consider that the worst case scenario. Things are not as bad as 2008.
by Jim180
Fri Dec 05, 2014 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Any idea why my Columbia index funds are all way down today?
Replies: 7
Views: 764

Re: Any idea why my Columbia index funds are all way down to

If you want a quote on your funds today without the distribution then either use MSN Money or the Columbia Funds website.
by Jim180
Thu Dec 04, 2014 11:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 23451

Re: Vanguard offers login security code

I follow Vanguard's low cost philosophy in other aspects of my life such as not having a cell phone. Just send me a token like Schwab does and I'd be happy.
by Jim180
Sat Nov 29, 2014 12:17 am
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 8004

Re: Being woken up by neighbors above me

You must simply move out ASAP. You must get a home of your own. This is going to happen anytime you have to share a building with other people. There is no noise ordinance that would apply to footsteps, especially at 7 AM. I wouldn't even ask them to try to be more quiet. If you get them angry at yo...
by Jim180
Thu Nov 20, 2014 8:49 pm
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 17831

Re: Vanguard launches new offering ... [Vanguard merchandise

How long did it take to receive the items after your order? What state are they sent from? I ordered two days ago and have not yet received any email telling me my order is being processed. A charge has appeared on my credit card however. Do the items just arrive unexpected ?
by Jim180
Sun Nov 16, 2014 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bob Brinker portfolio
Replies: 50
Views: 13382

Re: Bob Brinker portfolio

Could someone post all of bob Brinkers porfolios thank you I don't know if it is proper etiquette on this forum to give all the details of his portfolios so I'll make a few general statements. He is a big fan right now of the Vanguard Total Stock Fund on the equity side. He has very low duration bo...
by Jim180
Sun Nov 16, 2014 1:25 pm
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 3931

Re: Sell or repair car decision

Do you know much about these mechanics that you have spoken with about your problem? Have you ever had any of them do repair work for you before? There are some who suggest expensive repairs just to rip people off. The mechanics seem to be guessing based upon the symptoms you describe to them but wh...
by Jim180
Fri Oct 24, 2014 11:33 pm
Forum: Investing - Theory, News & General
Topic: 100% of [surveyed] economists were dead wrong about yields
Replies: 33
Views: 4908

Re: 100% of [surveyed] economists were dead wrong about yiel

Bob Brinker was also wrong about yields , advising listeners and subscribers over a year ago to sell intermediate term bond funds and move everything to low duration bond funds. Since then his bond fund selections have grossly underperformed the TBM.
by Jim180
Mon Oct 13, 2014 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1926

Why did my bond funds NAV change on Columbus Day?

Forgive my ignorance, but I noticed my bond funds NAV changed on Columbus Day even though the bond market was closed. Could someone explain why? If this is a perfectly normal occurrence then what is the significance of closing the bond market on Columbus Day?
by Jim180
Sun Oct 12, 2014 2:53 pm
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 3015

Re: Clothes Dryer drying very slowly

I agree with the others that it's probably a clogged vent, however a faulty thermostat or heating element cannot be ruled out. Those parts can be tested with a multimeter. Replacement parts can be purchased. No need for a new dryer.
by Jim180
Sun Sep 07, 2014 10:35 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 50
Views: 9561

Re: Why does the stock market "always go up"? Will this pers

Because the stock market is all about the earnings of corporate America and companies will continue to grow earnings over time. Recessions occur along the way but are always followed by recoveries. Indexing most likely will always be the way to go because it's been proven that active management in m...
by Jim180
Wed Sep 03, 2014 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: MSN Article
Replies: 2
Views: 503

Re: MSN Article

I don't really buy into what the writer is saying. Sure, it may feel good to know a manager can move to cash while an index fund must remain fully invested but nobody can time the market consistently. A fund manager who is too defensive is going to miss a lot of upside. The fund mentioned in the art...

Go to advanced search