Search found 1069 matches

by Tamales
Mon Jun 26, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Which Dealer Cost/Invoice does one use?
Replies: 9
Views: 702

Re: Which Dealer Cost/Invoice does one use?

That's my whole point of this topic. When people claim they got a vehicle so much below invoice, either $ or %, where, or how, did they come up with their invoice number. There are several online sources (all the same price but I seem to recall some include destination fee and some do not). nadagui...
by Tamales
Mon Jun 26, 2017 9:00 am
Forum: Forum Issues and Administration
Topic: Can you search for a string like 5.2%?
Replies: 3
Views: 215

Re: Can you search for a string like 5.2%?

OK thanks...use an external search.
So, Google has a complete index history for all BH threads/posts for all time?
by Tamales
Mon Jun 26, 2017 8:40 am
Forum: Forum Issues and Administration
Topic: Can you search for a string like 5.2%?
Replies: 3
Views: 215

Can you search for a string like 5.2%?

The advanced search doesn't seem to accept strings like 5.2%.
I tried putting it in quotes but it didn't recognize it.
Any way to do this?
by Tamales
Sun Jun 18, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 1140

Re: Office Chair

I can't emphasize enough how much of a personal thing this is (your weight, body shape, back issues etc). You should try and find stores where you can try various chairs. And if you're buying a high dollar chair, sit in them for at least 45 minutes or so. I went thru this a couple years ago. The mos...
by Tamales
Sun Jun 18, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to put your primary residence in your living trust?
Replies: 3
Views: 516

How to put your primary residence in your living trust?

A friend in another state put his house in a DIY living trust, but when talking to him, there was no paperwork filed (i.e. he thought just listing it in the trust was enough). My lawyer filed the paperwork for me (all I needed to do was send him a check for the fee), so I'm not sure what the process...
by Tamales
Thu Jun 15, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1353

Re: Good Digital Tire Gauge

There is absolutely no reason why a digital gauge would be fundamentally more accurate than an analog gauge.
There are good and bad gauges in both analog and digital.
Don't be fooled by more digits on a digital gauge. It does not mean higher accuracy. It might, but it doesn't necessarily.
by Tamales
Wed Jun 14, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Update for Win10-1607 failed to install
Replies: 7
Views: 552

Re: Update for Win10-1607 failed to install

Thanks CFM. I'm embarrassed to say I didn't think google would be much help for this. Never doubt google ;o) Strange thing is, that article is dated March 21. So, nearly 3 months later, Microsoft still hasn't fixed their bug. Apparently, even if you have updates set to be delayed, even that doesn't ...
by Tamales
Tue Jun 13, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Update for Win10-1607 failed to install
Replies: 7
Views: 552

Update for Win10-1607 failed to install

Had one of those annoying automatic update/reboots while away from my computer today, and when I rebooted and the update verification screen came up, I see that back on June 7th (with no user warnings to me) a "cumulative update for windows 10 version 1607 (KB4015438)" failed to install 23...
by Tamales
Sun Jun 11, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 6807

Re: Poll: Stock Ownership

Maybe it would be useful to add another question: if you own individual stock, is it ALL from an employer plan?
by Tamales
Sun Jun 11, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Telltale Chart App
Replies: 1
Views: 276

Re: Telltale Chart App

Also known as price-relative or relative strength. stockcharts.com can create those. see: http://stockcharts.com/school/doku.php?id=chart_school:technical_indicators:price_relative and http://stockcharts.com/school/doku.php?st=price+relative&id=chart_school:technical_indicators:price_relative BT...
by Tamales
Sun Jun 11, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Want to archive DVD's (movies, etc) onto standalone unit
Replies: 10
Views: 722

Re: Want to archive DVD's (movies, etc) onto standalone unit

We have a lot of DVD's that were purchased over the years. It would be nice if there was a stand alone unit with a hard drive that would rip DVD's (commercial movies and tv shows) onto the internal hard drive with an hdmi output and then all I would have to do is search from a list and hit play. I ...
by Tamales
Sat Jun 10, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4944

Re: best way to buy tires

Remember the most important thing about tires are the age - https://www.youtube.com/watch?v=GpjQ2CSgzjk Please be safe and check the age. Sorry but no. There is no scientific study proving some arbitrary age limit or expiration date on tires is valid. This idea is pushed by parties who benefit from...
by Tamales
Sat Jun 10, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4944

Re: best way to buy tires

How many miles are you guys driving? Most new tires are rated for about 45,000 miles at least. If tires are wearing out before 50,000, maybe your wheel alignment is off or you are not rotating them on schedule..... If tires wear out before their tread warranty, you usually get prorated credit.... T...
by Tamales
Tue Jun 06, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 7
Views: 460

Re: Photobucket is out of control with popups. Alternatives?

Kenkat wrote:I have been using Tinypic since Google started forcing everything to their photo site instead of allowing embedded images.


Does the name imply something about their maximum image size allowed?
by Tamales
Tue Jun 06, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 7
Views: 460

Photobucket is out of control with popups. Alternatives?

Besides, it's become very slow, too many clicks to do anything, and image size is now 1024 max. Any better alternatives? I suppose the time has come that I'm going to have to pay for an ad-free image hosting service. I can't see paying much over a couple bucks a month though. I don't think I've ever...
by Tamales
Tue Jun 06, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: New vehicle, country-of-origin info (Table)
Replies: 7
Views: 500

Re: New vehicle, country-of-origin info (Table)

Excludes Mexico so not really showing North America - just US/Canada. I've not usually included Mexico in N. America, so your point prompted a search: "The term North America maintains various definitions in accordance with location and context. In Canadian English, North America may be used t...
by Tamales
Tue Jun 06, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: New vehicle, country-of-origin info (Table)
Replies: 7
Views: 500

Re: New vehicle, country-of-origin info (Table)

Most megacorps have engineering resources throughout the world, and they may split their time across multiple projects. I suspect the auto industry isn't much different. I don't think they are including labor per-se. Just the major mechanical pieces and final assembly. They'd have to also include sa...
by Tamales
Tue Jun 06, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: New vehicle, country-of-origin info (Table)
Replies: 7
Views: 500

New vehicle, country-of-origin info (Table)

FYI. Here's a 2017 auto manufacturing table by country (from NHTSA, so it's for cars sold in US). It's pretty interesting. https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/documents/2017_aala_alpha_03272017.pdf Shows percent of US/Canada content, % other countries, country of final assembly, and coun...
by Tamales
Fri Jun 02, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Synchrony Bank raised HY Savings to 1.15%
Replies: 19
Views: 2166

Re: Synchrony Bank raised HY Savings to 1.15%

Kevin M wrote:...high transfer limits
Kevin

Could you elaborate on the transfer rate limitations you've found at Synchrony?
by Tamales
Mon May 29, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: How to value restored 1925 Truck for estate purposes?
Replies: 6
Views: 721

Re: How to value restored 1925 Truck for estate purposes?

You'd probably want an auction estimate, and for that you'd need to pay someone to come look at it and give an estimate. "Restored" can mean a wide range of things, and can result in a wide range of values (maybe even 6 figures if "over-restored"). Search for classic car auctions...
by Tamales
Sat May 27, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2807

Re: New car doc fees

Here's a chart of dealer doc fees by state, whether there's a limit in law, and averages: https://www.edmunds.com/car-buying/what-fees-should-you-pay.html#chart (the list was created march 2015) and a similar article here: http://www.realcartips.com/newcars/482-documentation-fees-by-state.shtml make...
by Tamales
Fri May 26, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2807

Re: New car doc fees

Yep, as Jack said, salesman is lying, or at least twisting the truth. Imagine if every business tacked on fees for doing paperwork that is a normal part of doing business. OK, a car purchase does have more paperwork than most purchases, so maybe a small convenience fee is justifiable, so you don't h...
by Tamales
Thu May 25, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Should I get a dual-action polisher for my working car?
Replies: 18
Views: 1270

Re: Should I get a dual-action polisher for my working car?

Getting a D-A polisher with just a single pad and an AIO (all in one) polish is probably relatively safe, and you can get some improvement as long as you don't have difficult paint. But don't expect miracles and there are a lot more considerations and steps involved in getting a top-notch result tha...
by Tamales
Sun May 21, 2017 7:51 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16832

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

Where can you calculate lifetime earning adjusted for inflation? I use the index values from Social Security for calculating benefits. See page two of this pdf: https://www.ssa.gov/pubs/EN-05-10070.pdf I've recorded all of my SS wages in a spreadsheet by year, and periodically update the index valu...
by Tamales
Sun May 21, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16832

Re: How many Bogleheads have investment assets that exceed their cumulative lifetime earned income?

If I understand correctly, the OP's goal (indirectly, when you unravel it) is to see whether a person's lifetime living expenses plus lifetime W2 taxes is greater (or less) than their investment GAINS (not investment account value, but investment gains). If your investment gains are greater, the mar...
by Tamales
Sat May 20, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3426

Re: Bad experience with 'rescuing' a lost dog

Phone call threats from police seems strange. Are you sure they were legit? Can't imagine they wouldn't ask for your side of the story.
by Tamales
Sat May 20, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2711

Re: What goes in your smoothie?

Anybody have a version of V8 juice or Snap-e-Tom that you've created and like? I've messed around a bit but haven't come up with one I like (and store-bought Snap-e-Tom tastes different today compared to what I remember and liked from the 1970's when the chile flavor was more prominent). Sadly, addi...
by Tamales
Wed May 17, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 2667

Re: Window tint (film) on house windows?

How is this priced? Is it (for a given film) a flat rate per square foot of window area including installation? Or is it more like a carpet install and they tack on say 20% waste depending on roll width and avoiding seams on large windows? Some (most?) of the higher performance, higher cost films ca...
by Tamales
Tue May 16, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 2667

Window tint (film) on house windows?

Has anyone had window film applied to your house windows for the main purpose of reducing AC bills in the summer? If so, did it meet your expectations (assuming for the sake of argument, a film with ~50% solar energy rejection)? Also wondering if anyone has seen any studies on whether sun screens (w...
by Tamales
Wed May 10, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Retire Early?? Need a sense check
Replies: 42
Views: 7974

Re: Retire Early?? Need a sense check

I'm not sure how closely an estimate done today with AnyPIA, at say age 55 and stopping work at 55 will differ from an estimate say 5 years in the future when there would be a new version of AnyPIA with a new NAWI value (with 5 years of increases) to use for the index factors and new bend points. C...
by Tamales
Tue May 09, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 1702

Re: How to be an executor

Nolo Press has a book called Executor's Guide that you might find useful:
http://store.nolo.com/products/the-executors-guide-exec.html
by Tamales
Mon May 08, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retire Early?? Need a sense check
Replies: 42
Views: 7974

Re: Retire Early?? Need a sense check

InvestorThom, You may have to work until retirement to get the social security that you have in your assumption: $2800- $3000 Your estimates are based on the assumption that you will earn $118,500 a year from now until retirement. [/b] This is a good point. There are two ages that matter for benefi...
by Tamales
Sun May 07, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2396

Re: What if the market drops right after I invest? Now the market is at all-time high..

Here are a couple graphs I created from a spreadsheet I did back in 2015. While not up to date, it show (orange) the all time high (ATH) level as a running line vs the SP500, and the next graph shows the percent below the ATH vs time. http://i1180.photobucket.com/albums/x410/dstp2/SP500%20running%20...
by Tamales
Sat May 06, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2900

Re: Honda vs. Mazda vs. Ford

The issue with car buying threads is you'll get 3000 replies and still wonder what to do. Mr Market sets the resale rates of Honda, Toyotas and the likes higher then GM, Ford, etc for a reason. Think about that. Then ask yourself if you can comfortably afford the car and move on. Using an investmen...
by Tamales
Wed May 03, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3661

Re: Vexing electrical problem in the house

I like the above answers of corrosion in the panel on the buss bars as a good candidate.
I suppose the corrosion might transfer to the breaker contacts as well.

How was that fixed? Had to replace the panel, or just shut everything down and wire brush the corrosion away?
by Tamales
Wed May 03, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3661

Re: Vexing electrical problem in the house

Nine outlets, but how many separate circuits (i.e. how many controlling breakers)? Mapping the circuits is a good idea. The hard part is making sure there weren't some DIY branch circuits installed. Do you have one of those $6 outlet testers like this: http://www.homedepot.com/p/Power-Gear-3-Wire-Re...
by Tamales
Tue May 02, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future Social Security Benefits
Replies: 6
Views: 978

Re: Calculating Future Social Security Benefits

Here's a link to a thread I started a couple years ago for figuring out the calculations. In this particular post I wrote a short tutorial on how to use anypia:
https://www.bogleheads.org/forum/viewtopic.php?p=2595151#p2595151
by Tamales
Tue May 02, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - 2 year inflation adjustment gap
Replies: 8
Views: 990

Re: Quick update - AWI and Knee values from different years

David Jay wrote:I still don't know how the SSA calculates the knee values, if anyone has a link to that info I would like to see it.


Have a look at this and see if it does the trick: http://financialducksinarow.com/1962/social-security-bend-points-explained/
by Tamales
Fri Apr 28, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone subscribe to AllDataDIY (car diagnostic and repair info)?
Replies: 1
Views: 260

Anyone subscribe to AllDataDIY (car diagnostic and repair info)?

With coupon, $14.95 for a 1 year subscription seems reasonable if their database is fairly complete.
Has anyone subscribed before, and did you find the info complete?
by Tamales
Fri Apr 28, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Has anyone used Carvana (car vending machine) to buy a car?
Replies: 3
Views: 906

Re: Has anyone used Carvana (car vending machine) to buy a car?

While watching CNBC this morning, I see Carvana did their IPO today (ticker CVNA).
by Tamales
Tue Apr 25, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

As far as I've researched, only a few cars have started doing [lane keeping assist] this year and Tesla is obviously the most advanced commercial product out right now. Doing a quick search, there are apparently many cars with some form of lane keeping assist (or lane departure warning; probably go...
by Tamales
Tue Apr 25, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

I agree 100% that the computers can handle the evaluations more quickly/accurately on what the best course of action is situation-to-situation. My hesitation with all this is that the rules for the computers' decisioning situation-to-situation will be set by humans, and I'm not sure how those rules...
by Tamales
Mon Apr 24, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

You can look at how self driving cars have progressed since the first Darpa grand challenge in 2004 to now and the progress is totally insane. We are probably like 95%+ of the way to the self driving car. The hard part is figuring out is that last 5% solveable or not. Deep learning over the last 5 ...
by Tamales
Mon Apr 24, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 990

Re: Need a "grabber" on a telescoping pole...

10 feet would probably reach everything I need to reach, but 8 feet might work. Good question on strength. I think full-length ceiling batts are often stapled into place when the house is being framed, but these batts I can't get to are mainly less than full length pieces so I think those are often ...
by Tamales
Mon Apr 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Need a "grabber" on a telescoping pole...
Replies: 8
Views: 990

Need a "grabber" on a telescoping pole...

I need some sort of "grabber" gizmo on a telescoping pole, so I can grab insulation batts and pull them out, in parts of my attic at the outer edges where there isn't clearance to crawl in and get to the batts directly.

Anyone know of such a thing?
by Tamales
Mon Apr 24, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12141

Re: Will cars be autonomous in three years?

People underestimate the speed of tech advancement. 10 years ago the iPhone didn't exist, and Facebook had just opened up the site to the public for the first time. 20 years ago less than 2% of people used the internet and only 4% had cell phones. I wouldn't underestimate the speed of tech change. ...
by Tamales
Fri Apr 21, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7440

Re: Removing a tree - expensive!!!

Roughly what's the diameter at the base? If they can cut it off fairly close to the ground, say 6" or so, and assuming you don't have these tools, you can rent a drill with massive torque like a Milwaukee Super Hawg (or buy one and sell it afterwards) and buy a ship auger bit (~1" diameter...
by Tamales
Thu Apr 20, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 40
Views: 5637

Re: How inefficient is it to hold Total Bond Index in a taxable account?

Theoretical wrote:For taxable bonds, ETFs have a major advantage over mutual funds because of how they deal with capital gains.


Has anyone ever run numbers to quantify the actual significance of this advantage of ETF bond funds over mutual funds?
by Tamales
Wed Apr 19, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 13142

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

There are lots of possible scenarios, and doing nothing is not always an option. To some extent it depends on whether you have a type of job where your boss just barks out orders and assigns specific tasks, versus a job where most tasks are fuzzy and evolve based on things you learn along the way an...

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