Search found 1324 matches

by Stonebr
Sun Jan 31, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Replacing timing belt on 2009 Accord(Do it or sell?)
Replies: 66
Views: 3436

Re: Replacing timing belt on 2009 Accord(Do it or sell?)

No brainer.

Do the maintenance.
by Stonebr
Fri Jan 29, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 2430

Re: How to stop junk mail for a deceased person

I have had this problem for the past year following my mother's death. As the executor of her estate I wanted all of her mail. The junk mail was tough but not impossible to stop. Unfortunately, you will have to make a lot of phone calls directly to senders. Fortunately, nearly all of the ones I had ...
by Stonebr
Sun Jan 24, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Metlife life insurance statement -- can I shred?
Replies: 1
Views: 216

Re: Metlife life insurance statement -- can I shred?

Maybe keep it. If you die, your survivors will know it exists when they go through all your stuff and find it. Employers are usually pretty good about handling all these benefits on death of an employee, but you won't be around to make sure...
by Stonebr
Wed Jan 20, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 11
Views: 755

Re: Fisher Investments?

Anybody have anything good or bad to say about these money managers? I've never seen them mentioned before. Lucky3 Ken Fisher used to write a column for Forbes. Maybe he still does. Back in the day (early 90s) I was a typical active investor. I read and sometimes followed advice from various "...
by Stonebr
Mon Jan 11, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with TLH in Wellington
Replies: 14
Views: 615

Re: Help with TLH in Wellington

Don't forget there was a reinvestment of wellington dividends and gains in your IRA on the 24 Dec which is a buy within the 30 days before the proposed TLH sale. Yes, that is a problem, isn't it? The distribution was rather large, too. Don't the tax loss rules just affect the shares bought in the 6...
by Stonebr
Sun Jan 03, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Windows Won't Stay Raised Who to Contact?
Replies: 12
Views: 1013

Re: Windows Won't Stay Raised Who to Contact?

The ropes that connect the windows themselves to the counterweights inside the frames have probably broken. Is it evident when looking at the tracks your windows slide up in that there is a pulley in the top. Some of your windows may still have a rope running up and over that pulley. A carpenter/ha...
by Stonebr
Fri Jan 01, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Someone dumped their boat on property
Replies: 18
Views: 2220

Re: Someone dumped their boat on property

I agree with renue74. Call the cops and report it. While I don't pretend to know the legal steps after this, going on record with a police report seems like a no-brainer first step.
by Stonebr
Fri Jan 01, 2016 6:14 pm
Forum: Personal Consumer Issues
Topic: Woody Guthrie New Years Resolutions
Replies: 0
Views: 377

Woody Guthrie New Years Resolutions

What are yours? Woody Guthrie's from 1942: 1. Work more and better 2. Work by a schedule 3. Wash teeth if any 4. Shave 5. Take bath 6. Eat good -- fruit -- vegetables -- milk 7. Drink very scant if any 8. Write a song a day 9. Wear clean clothes -- look good 10. Shine shoes 11. Change socks 12. Chan...
by Stonebr
Fri Jan 01, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: Another look at High Yield Bonds in a Portfolio
Replies: 69
Views: 4097

Re: Another look at High Yield Bonds in a Portfolio

"Most Americans have more knowledge about William Shakespeare than they do about investing."

Possible that knowledge about Shakespeare might be more useful in all the ways that really matter.
by Stonebr
Wed Dec 30, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 5667

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

I don't know what the best one is currently. But one thing I do know is that the deals change all the time. Whatever is best today will not be the best next year. So just look for one that's good enough.
by Stonebr
Wed Dec 30, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Disappointed with Vanguard account
Replies: 13
Views: 2169

Re: Disappointed with Vanguard account

Is there a better way to do this? Two steps instead of one: 1. Click Exchange and redeem $X of Bond and buy whatever you want by % or $ or "distribute evenly." 2. Click Exchange and redeem $Y of Stock and buy whatever you want by % or $ or "distribute evenly." Am I missing somet...
by Stonebr
Tue Dec 29, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 2766

Re: Price to replace the catalytic converters in a Toyota Highlander

Genuine Toyota parts run high. The aftermarket parts won't be made to the same standard as Toyota -- otherwise every other car would be just as reliable as a Toyota. On the other hand, an old car that may not be on the road much longer might be fine with aftermarket. We faced this dilemma a month ag...
by Stonebr
Thu Dec 24, 2015 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Beginner investing [US ex-pat, living in Israel]
Replies: 46
Views: 2179

Re: A stupid question,But still

I have been investing for more than 35 years without paying commissions. It's easy and millions of people do it all the time, including most members of this forum. All you have to do is deal directly with a mutual fund company like Vanguard, Fidelity, or T. Rowe Price. These are "no-load" ...
by Stonebr
Sat Dec 19, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Should I use total bond or stable value fund in 401k
Replies: 17
Views: 1628

Re: Should I use total bond or stable value fund in 401k

Kevin, I agree that my having excess cash in my taxable Prime Money Market Account is forgoing an opportunity for additional interest income, but I don't want anymore exposure to principal loss in a rising interest rate environment than what I already have in my Vanguard bond funds. It's just a &qu...
by Stonebr
Fri Dec 18, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Slate: "Prophets of Thrift"
Replies: 25
Views: 2701

Re: Slate: "Prophets of Thrift"

I found that it was important to start somewhere. For me it was 1980 when I quit smoking and put the $10 a week into savings. The $520 in the first year is still compounding in my portfolio somewhere. So yes, hundreds a year can get you to retirement because it becomes habit forming. That's the poin...
by Stonebr
Thu Dec 17, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income
Replies: 9
Views: 1252

Re: Wellesley Income

Actually it IS a good time to buy for a taxable account. In a taxable account you don't want to buy right before a dividend is distributed because you just get your money back and have to pay tax on it. This is called "buying a dividend" and can be a painful experience. So right after the ...
by Stonebr
Wed Dec 16, 2015 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: US income tax records retention time
Replies: 8
Views: 743

Re: US income tax records retention time

Every year I make paper copies of everything and stuff it all in a manila envelope. I have them going way back -- like 30 years or more. Like livesoft says there are reasons why, for your own convenience, you might want records going way back. The IRS might not care or require it, but you might want...
by Stonebr
Tue Dec 15, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Lawn Fertilization and Bug Service
Replies: 13
Views: 1198

Re: Lawn Fertilization and Bug Service

Valuable resource for going green on lawn care -- nationwide:

http://www.safelawns.org/blog/
by Stonebr
Mon Dec 14, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX having a terrible year [Vanguard Total International Stock Admiral]
Replies: 24
Views: 2977

Re: VTIAX having a terrible year [Vanguard Total International Stock Admiral]

Keep in mind that down 7% is not a terrible thing. In 2008 VTIAX was down over 44%. That was terrible.
by Stonebr
Mon Dec 14, 2015 6:58 pm
Forum: Investing - Theory, News & General
Topic: Why are shares priced out to 4 decimal places?
Replies: 13
Views: 1170

Re: Why are shares priced out to 4 decimal places?

In the olden days stocks were price in halves, quarters, eighths, and even sixteenths ("eenths"). All of these may be expressed with 4 digits to the right of the decimal point. The markets converted to digital not all that long ago. I'm not sure that that had anything to do with the choice...
by Stonebr
Sun Dec 13, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Need recommendations for 4WD/AWD vehicle
Replies: 56
Views: 3839

Re: Need recommendations for 4WD/AWD vehicle

The cheapest upgrade option would be to put winter tires on your Camry if you have not done so already. 99% of the time that's all you need. That's $500 out the door at Costco or Discount Tire. If you really want to buy an SUV, and do a fair amount of off-road driving, you may want to get a 4WD lik...
by Stonebr
Sun Dec 13, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Personal Finance Books
Replies: 9
Views: 1140

Re: Favorite Personal Finance Books

Miriam2 wrote:Our wiki has a good list with reviews:
www.bogleheads.org/wiki/Books:_recommendations_and_reviews


+1

And the wiki pages themselves are one of the best references around.
by Stonebr
Thu Dec 10, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401k company merger
Replies: 6
Views: 433

Re: 401k company merger

Hello, I have a 401k managed by "Empowerment", was J.P. Morgan spinoff, with my current employer. The company I work for is sold to ACBL barge line and they are rolling all our money into the 401k at ACBL managed by "Wellsfargo". The funds I was in at Empowerment were all low co...
by Stonebr
Mon Dec 07, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Just on The Great Courses
Replies: 14
Views: 1054

Re: Just on The Great Courses

My wife bought their basic Philosophy course, and it was far from basis. She had to give up on it. Then the almost daily deluge of their catalogs began. Our public library has a number of these Great Courses, both DVD and audio CD. I've used the audio course on Joyce's Ulysses . It's quite good.
by Stonebr
Sun Dec 06, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Brilliant Energy-Saving Idea -- Or Just Really Stupid?
Replies: 54
Views: 5395

Re: Brilliant Energy-Saving Idea -- Or Just Really Stupid?

My gut is that these things are externally vented for a reason. And that you would get moisture problems internally. And mould really is a problem you don't want to have. In Europe, there are "condenser" dryers, which don't vent the water (there's a tray you empty after a run). But in win...
by Stonebr
Sat Dec 05, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pension gone if company is sold?
Replies: 13
Views: 1618

Re: Pension gone if company is sold?

As an 'old-timer' you are almost certainly fully vested in your accrued benefit. A DB pension plan offered by a company like Dupont would be covered under ERISA, so you will certainly not get "screwed." Typical thing to happen would be that your benefit will accrue through the effective da...
by Stonebr
Fri Dec 04, 2015 8:27 am
Forum: Investing - Theory, News & General
Topic: What defines a 'value' fund?
Replies: 8
Views: 834

Re: What defines a 'value' fund?

I recall that John Neff (long-time manager of Vanguard Windsor) once said in a Barron's interview in the 1980s that a value investor is someone who's lost money in U.S. Steel for the past 20 years.
by Stonebr
Thu Dec 03, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 3689

Re: "Congratulations on your purchase!" (But why?)

One of my colleagues just bought a big new pickup truck, he said it cost him $70K, it has all the available amenities and a metal-flake paint job. He said he took a 2nd mortgage on his house to pay for it. I went out and looked at it and told him it was a nice truck, but I didn't congratulate him f...
by Stonebr
Thu Dec 03, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: iRobot Roomba--do you like it? Would you recommend?
Replies: 21
Views: 2636

Re: iRobot Roomba--do you like it? Would you recommend?

Roomba is a carpet sweeper. We loved ours for 3 years, then it broke. We couldn't find anyone to repair it -- even though with lived in Massachusetts within 5 miles of iRobot home office. Recycled.
by Stonebr
Mon Nov 30, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: What To Do In Santiago Chile Jan 2016
Replies: 9
Views: 1025

Re: What To Do In Santiago Chile Jan 2016

6. Alternatively, do a side trip to Valparaiso if you are more interested in cityscapes than wines. It is about 2 hours from Santiago so will be a big day but worth the visit. Valparaiso is the most interesting city in Chile for a visitor I think. A day trip to Valparaiso is well worth the effort, ...
by Stonebr
Sun Nov 29, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: 23 year old wanting to retire before 50
Replies: 44
Views: 7427

Re: 23 year old wanting to retire before 50

bigguy8437 wrote:Also, I know this is hard to predict without


To be perfectly blunt, this is about the only sensible thing you've said in your post. At 23, spreadsheets, plans, and questions like this are for your own private amusement and fantasy.
by Stonebr
Sun Nov 29, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Giving out VIN on old car for sale?
Replies: 8
Views: 1185

Re: Giving out VIN on old car for sale?

Now that the OP has got his question answered, if I may ask a related one - When people put up lenses for sale, especially expensive ones, I've noticed some reluctance to give out the serial number. Any different considerations there? I sold a few Nikon lenses on eBay and always posted a photo show...
by Stonebr
Sun Nov 29, 2015 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 5018

Re: "Sin stocks"

The geniuses with the Nobel Prizes tell us that any random sample of stocks should perform about the same, minus expenses, tax effects, and trading costs, as the market averages so any mutual fund with low expenses and low turnover should have an expected return about equal to Total Stock. VFTSX has...
by Stonebr
Sun Nov 29, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: How close do we know our bond percentages? What counts?
Replies: 23
Views: 2511

Re: How close do we know our bond percentages? What counts?

How accurately do we really know our stock/bond percentages? Obviously, bonds and bond funds count as bonds. Do you count any of the following in your bond percentage? I don't have a bond percentage. I have a fixed income percentage. That includes bonds, cash equivalents, and the checking account.
by Stonebr
Sun Nov 29, 2015 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 100% Stocks?
Replies: 46
Views: 3831

Re: Investing in 100% Stocks?

There's no guarantee that the future will be like the past. That's why many of us diversify across asset classes like bonds, real estate, canned goods and a back-up career plan.
by Stonebr
Sat Nov 28, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Small windfall: use towards loans, investments, etc?
Replies: 16
Views: 1390

Re: Small windfall: use towards loans, investments, etc?

Maybe a little bit to your favorite charity?
by Stonebr
Fri Nov 27, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: Precious Metals Fund (VGPMX)
Replies: 19
Views: 2406

Re: Precious Metals Fund (VGPMX)

Having lived through the 20 year bear market in mining stocks from 1980 to the final bottom in the years immediately after y2k, I can safely say that this could get way worse. You could also see a sucker rally. I went bottom-fishing in 1982, and in 1986, and in 1990, and in 1994 and in 1998, and... ...
by Stonebr
Thu Nov 26, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 4008

Re: Best Way to get rid of leaves

Shred with mower, then either into the compost pile or under shrubs as mulch.
by Stonebr
Sat Nov 21, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Beer Growler, how long will it keep unopend?
Replies: 16
Views: 1848

Re: Beer Growler, how long will it keep unopend?

dbCooperAir wrote:I have had a few growlers and well they don't make past a day or two before its gone!


You've already got the right idea. :sharebeer
by Stonebr
Sun Nov 08, 2015 8:31 pm
Forum: Personal Consumer Issues
Topic: Washing and Drying Clothing ?
Replies: 24
Views: 2997

Re: Washing and Drying Clothing ?

We wash everything in cold water and have done so for many years. Why do anything else?

Electric dryer or line dry.
by Stonebr
Thu Nov 05, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Home heat radiators
Replies: 11
Views: 776

Re: Home heat radiators

As above, steam radiators can be a pain. But a hot water radiator is a different story altogether. We have a house with classic old hot water radiators and a newer zone with baseboard. Hands down, the old radiators win. Beautiful even heat, classic styling (they look like Greek temples), and utter s...
by Stonebr
Fri Oct 30, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Precious metals mining stocks
Replies: 30
Views: 2252

Re: Precious metals mining stocks

mpt follower wrote: It is what one will call, "Blood in the Streets"


As I recall from my readings in market history, when Baron Rothschild made his famous "blood in the streets" comment there was actually blood in the streets.
by Stonebr
Wed Oct 28, 2015 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Proven Non-Index Funds
Replies: 55
Views: 5094

Re: Proven Non-Index Funds

... I believe Warren Buffett is of the same opinion. The reason I say "personal view" is because when I post for discussion on an internet site, I am not recommending anything to anyone else or trying to convince anyone else to follow anything I might do. All investing is personal. If you...
by Stonebr
Mon Oct 26, 2015 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Proven Non-Index Funds
Replies: 55
Views: 5094

Re: Proven Non-Index Funds

Sequoia (SEQUX) may be closed to new investors, but it has low turnover and a concentrated portfolio. So it would be fairly easy to mimic with a portfolio of individual stocks. You could save the 1% management fee. You would have to be comfortable with huge holdings of Valiant Pharmaceuticals and a ...
by Stonebr
Fri Oct 23, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: What is my yard work solution?
Replies: 40
Views: 2858

Re: What is my yard work solution?

1. At 300 feet, your driveway needs a plow guy if you can be patient and wait for him to show. A snow blower will take you so long the plow guy would have been there and gone by the time you finish and take your shower. Otherwise, the plow on the pickup truck is your only option. Honestly, I don't k...
by Stonebr
Fri Oct 23, 2015 7:38 pm
Forum: Investing - Theory, News & General
Topic: Peanut returns [why not try stock picking?]
Replies: 61
Views: 6066

Re: Peanut returns

Why not invest in the top stocks of well-known companies that are moving the index? Buy them for 6-12 months and then sell them and buy the next top ones for that year and repeat. Why not, indeed? Excellent approach, if it works. :wink: Best of luck! +1 Give it a try. Many of us are in the "be...
by Stonebr
Fri Oct 23, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: White Noise/Sleep/Sound Therapy
Replies: 62
Views: 4667

Re: White Noise/Sleep/Sound Therapy

Sleep is a natural requirement of the body. When you're tired, you want to sleep. The fact that you cannot fall into a deep sleep, that a tiny sound would spring you up, tells me you probably do not exert yourself physically during the day. Find a way to burn off more energy and you will sleep like...
by Stonebr
Sun Oct 18, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Doctors without borders ..........
Replies: 43
Views: 4270

Re: Doctors without borders ..........

I'm a long term supporter of MSF (Doctors...)

But a couple of years ago I attended the commencement exercises at WPI (Worcester Poly) and the speaker was from Engineers Without Borders, a much smaller organization with a major impact in poor countries.

http://www.ewb-usa.org/

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