Search found 975 matches

by Teague
Sun May 20, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1024

Re: Air conditioner recommendations?

I get that people are trying to be helpful, but really wish that they would stop responding to questions that they know nothing about. Unfortunately, no part of your post is correct. With a central a/c, your SEER is based on the combination of the outdoor unit, your furnace and the a-coil. Can you ...
by Teague
Thu May 17, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2387

Re: Growing Fruit Trees and Shrubs

By far the easiest to grow, and most entertaining , fruit tree we have is pomegranate. In our climate (hot summer, winter lows in the low 30's F) our tree requires literally no maintenance. No water besides rain, which is a paltry 12 inches per year. No pruning, no pest control, nothing. And yes, it...
by Teague
Thu May 17, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4300

Re: New motorcycle rider

An anecdote for what it's worth, if anything. I started on my friend's Honda 70 (remember those?) that was street legal. At 15 1/2 years I could ride it with a learner's permit, and I took it everywhere. Off road, over jumps, on road, to the beach, you name it. In traffic, too, because I was 15 and ...
by Teague
Thu May 17, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: DIY AC freon for car or professional fill up
Replies: 15
Views: 1506

Re: DIY AC freon for car or professional fill up

Does that make sense? NO. But there could be other factors. for example, the shop might have checked and filled your tire pressure to the specification. The end of winter fuel at the pumps. I routinely notice difference in all of my cars when the changeover happens. Or the weather simply got a few ...
by Teague
Tue May 15, 2018 3:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2549

Re: How did you fall in love with investing?

No special love for investing here. I've never been a "numbers guy." I started because I got tired of living from one paycheck to another and always being broke, which I found even more distasteful.
by Teague
Tue May 15, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30718

Re: KF's simple rules to achieve FI [Financial Independence]

It is just personal philosophy, but I don't get why people hate work so much. I don't know that I've ever loved my job, but compared to not working, I'd rather work, stay stimulated, and make some money. Not working to me gets boring, and most things that I would find stimulating cost money, which ...
by Teague
Mon May 14, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7065

Re: Is there a boglehead muscle car?

I think a true muscle car needs a live rear axle. Not many of those left in the modern era. Maybe the Dodge Demon is a good BH muscle car? Not sure the Demon meets the Wikipedia part about Sold at an affordable price , muscle cars are intended for street use and occasional drag racing. I know the M...
by Teague
Mon May 14, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7065

Re: Is there a boglehead muscle car?

If it’s going to be a summer car, a C5 corvette is a good choice. You can get a immaculate, low mileage, 6 speed convertible for under $15K, have a 170 mph car that still gets 30 mpg on the highway. If you want something newer, 2011 or newer mustang Gt’s are good choices, just look for the garage Q...
by Teague
Mon May 14, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4311

Re: keyless ignitions and carbon monoxide

The article mentions "over two dozen" people being killed in this fashion since 2006. While tragic in each and every case, this number over this amount of time is hardly indicative of a public health emergency. The original version of the article also claimed that CO built up in a garage not only ki...
by Teague
Sun May 13, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 6683

Re: Cancer - tips?

Evaluation at a good university medical center, especially one with expertise in your diagnosis, can be a very good value for your healthcare dollar (I'm trying to keep focused on the financial aspect here.) On another note, it will probably seem that no one really understands what you are going thr...
by Teague
Sat May 12, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 314
Views: 21414

Re: Lucrative careers?

...Also, how are you able to circumvent the laws requiring a pharmacist to review your prescription before dispensing?
With a stroke of a pen.

The requirement you cite could be actual law, or more likely, a regulation promulgated by the state board or pharmacy. Either can be readily changed.
by Teague
Sat May 05, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15327

Re: Is Los Angeles a good place long term to live financially?

crystalbank wrote:
Sat May 05, 2018 2:09 pm
I'm starting to think this is a troll thread.
Me too. OP, if you're choosing those neighborhoods due to proximity to USC, have you been accepted there? Or applied there?
by Teague
Fri May 04, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3899

Re: Costco Vs Amazon Prime

Make sure not to swim in any pools this summer. Most of them have chlorine in them (or otherwise very high concentrations of sodium). If you mistakenly get a few drops of chlorinated water in your mouth.... Just in case anyone is curious how much chlorine (as chloride) is already in a human body, I...
by Teague
Fri May 04, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10038

Re: Have you quit eating sugar? Tell me how!

Whole food plant based vegan here.
Just out of curiosity, can a vegan be other than plant-based?

A vegan diet can't be animal-based, obviously. I think the only alternative is plants. Or...rocks??
by Teague
Fri May 04, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17658

Re: Ed. Jones rep didn't like our plan, now we're locked out

If you do talk to EJ again, liberally mention the acronyms FINRA and SEC. Maybe you even have a friend who happens to work at one of those regulatory agencies? If so, I'd mention that too.
by Teague
Thu May 03, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 4907

Re: How old is too old for a vehicle, even for a well running one ?

I currently have a 2003 Ford Explorer with 225K miles in the shop getting about $1500 of work, so I guess it's still worth it for that car. What if there is another $1500 worth of work next month , would it still be worth it? Much more likely for a 2003 car with 200K miles than a newer one. It's a ...
by Teague
Thu May 03, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 4907

Re: How old is too old for a vehicle, even for a well running one ?

I currently have a 2003 Ford Explorer with 225K miles in the shop getting about $1500 of work, so I guess it's still worth it for that car.
by Teague
Thu May 03, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3497

Re: Not Wasting Food

I compost my food scraps with Edward Jones solicitations to make fuel for my biodiesel Toyota Camry (beige, bought used.) Maybe I exaggerate a tad. But we don't waste very much, I think. Planning ahead combined with logical use of the freezer seems to work wonders. And we aren't very strict about "u...
by Teague
Thu May 03, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3899

Re: Costco Vs Amazon Prime

Just thought I'd point out that for those concerned here about the phosphates in fish fillets, yes, Costco rotisserie chickens have that added too. It's right on the label. :happy That doesn't concern me, though. I enjoy a bit of phosphate now and then. I believe ConAgra '96 was a particularly good ...
by Teague
Thu May 03, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3899

Re: Costco Vs Amazon Prime

Seriously, why would someone like you eat an inferior product like this? Maybe something to do with income? Is this chicken too cheap to pass on? or am I too paranoid to avoid chicken with sugar in it? I don't consider it "inferior" at all. It's convenient. It's fairly tasty. It's sold at a good pr...
by Teague
Thu May 03, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3899

Re: Costco Vs Amazon Prime

Why should I intake sugar for unnecessary reasons? What is sugar doing in my chicken in the first place are the right questions you should ask. These type of products are targeted towards uneducated unquestioning masses. Huh. I have an undergrad degree in biochemistry and cell biology, a doctorate ...
by Teague
Tue May 01, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8599

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I would make this mandatory and if my daughter didn't agree to this, she would not be going. A month after I turned 18 I informed my parents I was leaving right then for a weekend trip to Las Vegas with a couple of buddies. Parents freaked out and forbade the trip with the "as long as you live unde...
by Teague
Sat Apr 28, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1441

Re: Bee in the house - what to do???

Time to build a wall around the house. A big beautiful wall. This is probably one of those anchor bees. But seriously, unless someone in the house has a documented and serious hymenoptera allergy (rare), I don't think I'd worry about it very much. The bee has no interest in stinging anyone, except a...
by Teague
Fri Apr 27, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 812

Re: Touch Up Paint on New Car

Bigfish wrote:
Fri Apr 27, 2018 2:38 pm
Stays white.
Bummer. I'd either just live with it, or take it to a paint shop for an estimate. Any touch-up you do yourself will most likely be obvious.
by Teague
Fri Apr 27, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Touch Up Paint on New Car
Replies: 10
Views: 812

Re: Touch Up Paint on New Car

At a minimum the clear coat is damaged, and possibly the color coat as well. If you wet one of the scratches, does it stay white, or temporarily go back to red until the water evaporates?
by Teague
Fri Apr 27, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing for a 17 y.o.
Replies: 18
Views: 1365

Re: Investing for a 17 y.o.

Exafchick wrote:
Fri Apr 27, 2018 9:30 am
I'm trying to get my almost 19 year old nephew thinking about saving/investing. He wants a Dodge Demon ...
I'd be really curious what insurance would cost for this 19 year old driving this (barely) street-legal drag car.
by Teague
Fri Apr 27, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9188

Re: How did you tell the boss you're leaving/retiring?

I was on leave when my supervisor sent a fairly despicable and potentially libelous email to me, and cc:'d it to upper management, who were apparently fine with him doing that. So I chose not to come back from leave. To whom it may concern: I resign with a final day of XX. Teague Department Z I cc:'...
by Teague
Wed Apr 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3197

Re: New car pickup today.

If you decide at some point you want the genuine Toyota brand extended warranty (I wouldn't consider any other type) I bet you can buy one online from a dealer that will sell it for considerably less than your local dealer.
by Teague
Wed Apr 25, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15327

Re: Is Los Angeles a good place long term to live financially?

I have relatives in the greater LA area who bought a house for $28,000 in 1959. It is now worth 1.2 million per Zillow. So for them, yes, it was a good place long term to live financially, in response to the thread title.
by Teague
Tue Apr 24, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10354

Re: Nomadic lifestyle in their 50s

Interesting. The ship isn't owned by a company, you have a fractional share of ownership once you buy a room. So basically it's a floating condo owned by people with $10M+ net worth. That's gotta lead to some interesting owner's meetings. I can just imagine. "OK, whose turn is it to pump out the bi...
by Teague
Tue Apr 24, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1346

Re: Used car dealer-Freight charge

Since you're looking at former rentals let me share something I read - it was on the Internet so it must be true. :wink: I read a post a while back from a guy who worked at one of the larger rental agencies for a long time. He stated the rental agencies keep the very best quality aged-out cars and s...
by Teague
Tue Apr 24, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1346

Re: Used car dealer-Freight charge

Tell them you charge a $3000 "slimy, lying, predatory car dealer" fee.
by Teague
Mon Apr 23, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1346

Re: Used car dealer-Freight charge

It sounds normal for a used car dealer - in other words, it sounds like they are lying to you. But the practice of doing this? Never heard of it, unless a customer orders a specific car from far away and has it shipped to the car lot.
by Teague
Mon Apr 23, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1368

Re: Question charging smart phones

I think she is right. Actually I know she is because she is your wife - at least that's the way I play it at my house. So here's my limited understanding: Lithium ion batteries would ideally like to be stored about 50% charged. Storage at a higher charge is hard on them. But, storage near discharged...
by Teague
Sun Apr 22, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 660

Re: Question on successor trustee best practice

Basically I was wondering how far down that line of succession - if at all - I need to go when sending letters about the administration of the trust. As I posted above, these are generally known as contingent beneficiaries and state law varies as to the notice they should receive. You need to deter...
by Teague
Sun Apr 22, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 660

Re: Question on successor trustee best practice

... there are also contingent beneficiaries named in case the primary beneficiaries have expired when the funds are distributed. ... That's an unusual contingency. Usually the contingency is surviving the testator, grantor, or a previous beneficiary. Are you sure it's as you describe? I guess I des...
by Teague
Sat Apr 21, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 660

Question on successor trustee best practice

Greetings, I am named as successor trustee, and the trustor/grantor/current trustee is expected to pass on in the not distant future. I am currently educating myself for this new-to-me role. I have a question: When I am notifying the beneficiaries of things and generally keeping them informed, who d...
by Teague
Fri Apr 20, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9162

Re: NYT article: Everyone should hire a financial planner

I think I'm going to hang out my own shingle now. Financial adviser selection coach. For a reasonable fee, clients can tell me about their financial wants and needs (or tell me nothing at all, it doesn't really matter.) I will then direct them to a financial adviser, or website, that I deem "suitabl...
by Teague
Fri Apr 20, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 9162

NYT article: Everyone should hire a financial planner

https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage Apparently everyone needs to hire a financial planner. Even financial planners should hire other financial planners. “I liken it to WebMD. You can look ...
by Teague
Thu Apr 19, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Fixing Deadbolt Lock
Replies: 18
Views: 1259

Re: Fixing Deadbolt Lock

You could probably fix it, but it's better to replace since it was getting sticky anyway. Replacement is generally an easy DIY project. They come in different grades as far as longevity goes. It's measured in designed lock-unlock cycles. Yours is probably just worn out, and time for a new one. The c...
by Teague
Wed Apr 18, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15327

Re: Is Los Angeles a good place long term to live financially?

I understand what I’m trying to do is difficult, and might be overly ambitious for me at this time. BUT I think if I skipped going to school and just moved there, even for just a year, I could have a lot of fun and a great experience. Like I said, I’m thinking around ~5K a month for rent, ~4K a mon...
by Teague
Fri Apr 06, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 4693

Re: What is Megacorp?

adamthesmythe wrote:
Fri Apr 06, 2018 1:20 pm
> Eastman Kodak

Is Eastman Kodak still a thing?
You bet your Kodakcoins it is. Now, whether it should be, is a separate question.
by Teague
Thu Mar 29, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Drip irrigation or pop-up sprayers for garden?
Replies: 19
Views: 1765

Re: Drip irrigation or pop-up sprayers for garden?

I suggest a visit to

https://www.irrigationtutorials.com

For anything related to irrigation design or installation.
by Teague
Tue Mar 27, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9287

Re: Not going to be buying chicken for a while...

I rather enjoy steel-belted radial chicken parts.
by Teague
Tue Mar 20, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2548

Re: Cash Advance on Credit Car for $3K Car

Likewise, I would caution those who think their comments are edgy but not hurtful, that in the working world, there can be legal consequences for this behavior... Look, we're not at work, so I don't buy that one at all. Who's shaming whom at this point? Sheesh. And yes, while we're at it, grow some...
by Teague
Fri Mar 16, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5232

Re: Tires on a 15 year old car....Replace or not?

Would you jump with a used 15 year old parachute even if it looked good? Sure, why not? http://www.parachuteshop.com/parachute_life_limit.htm And I'd have had a good retort for back when my parents asked "So, if all your friends were going to jump off a cliff, I suppose you would too?" Sure, as lon...
by Teague
Fri Mar 16, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 1612

Re: Septic Maintenance Routine

Ah yes, another Boglehead septic thread. Where once again the affluent meet the effluent. The time between pumping will depend on the size of your septic tank and the volume of your, umm, production. Ask your local septic company for their recommendations. Keep in mind their estimate may be more fre...
by Teague
Fri Mar 16, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 2112

Re: Should I join Mensa?

MJW wrote:
Fri Mar 16, 2018 2:38 pm
I am sure this thread will be locked down soon, but I wanted to quickly thank everyone for such a fun start to the afternoon.
No need for thanks - several of us here had already accurately deduced you would post such a comment.

:wink:
by Teague
Fri Mar 16, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 2112

Re: Should I join Mensa?

Meh. Mensa is relatively the short-bus cohort of the "high IQ" population. 1 in 50 people qualify. How about trying for a middle-of-the-road group, like the Triple Nine Society. 1 in 1000 people would qualify. Including I'm sure a good number of Bogleheads. https://en.wikipedia.org/wiki/High_IQ_soci...
by Teague
Thu Mar 15, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5232

Re: Tires on a 15 year old car....Replace or not?

Undoubtedly the rubber has degraded over the years, just how much is unknown and dependent on environment and other factors. The sidewalls may not show cracking simply because the car has not been driven much lately and the sidewalls have not been flexed much because of that. So the tire is undoubte...