Search found 534 matches

by Teague
Fri May 26, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 33
Views: 1840

Re: Septic Pumping - Did I get ripped off?

Not unreasonable I think. I just paid $425 for a single 1500 gallon tank.

Bogleheads - where the affluent discuss the effluent.
by Teague
Tue May 23, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 86
Views: 9784

Re: i am my own "guy," but not sure I should advertise that

livesoft wrote:I've never had a problem talking to anyone about investing.


Nor have I. But I found getting them to listen is another story.

Which led to me no longer talking to others about investing. So I again have no problem.

Recursively yours,
Teague
by Teague
Fri May 19, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 25
Views: 3108

Re: Opticians: is there any difference in quality of Costco glasses?

FYI, Costco manufactures their "digital, high-definition" lenses at their own 160,000 sq. ft. plant in San Diego.

http://www.costcoconnection.com/connect ... pg=85#pg85
by Teague
Thu May 18, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Is it possible to patch a blanket?
Replies: 6
Views: 484

Re: Is it possible to patch a blanket?

btenny wrote:Take it to a good dry cleaner and laundry shop near you. They will most likely have a seamstress that does repairs of clothes and other things. He/she will tell you the cost to fix the blanket and if it is repairable.

Good Luck.


^^^ A precise blanket statement.
by Teague
Wed May 17, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1543

Re: Keep paying for AC refrigerant when tech cannot find a leak

For those suggesting the OP buy his own refrigerant and add it in, how do you suggest he determine the correct amount so he doesn't overcharge and destroy his system? Buy his own set of manifold gauges and learn how to use them, or the "hold my beer while I add this stuff until it gets cold&quo...
by Teague
Sat May 13, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7055

Re: How Old Habits Can Sabotage Retirement

I've seen this to the extreme in some who grew up during the Great Depression (some, not all, or course.) I know of a woman in her late 90's who has acquired significant wealth, maybe 3-5 million I think. She can't seem to bear to spend any more than needed for the basics of living, and has been thi...
by Teague
Tue May 09, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Which add-on tests are worth the money?
Replies: 11
Views: 821

Re: Which add-on tests are worth the money?

A relative just had $450,000 worth of salvage radiation treatment for prostate cancer that probably could have been cured the first time if caught early enough. From a strictly value standpoint, for them at least, a $30 PSA test could have have been quite a bargain.
by Teague
Sun May 07, 2017 8:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 2881

Re: For Mr. Bogle: Let's Get The Party Started One Day Early

For years, having never heard of Jack Bogle, I had been following some good general advice I'd heard about investing in low-cost index funds. It worked. Come November of 2015, I was preparing for retirement and looking for recommendations for a retirement calculator and general confirmation that I w...
by Teague
Sat May 06, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3835

Re: Best salads

My favorite is a good thick slice of large tomato, 2-3 slices of tart dill pickle, and a folded leaf of iceberg lettuce. For dressing I use anything from ketchup to barbecue sauce, then serve the it all on a salad plate consisting of a charred seasoned patty of ground chuck, sandwiched between two l...
by Teague
Sat May 06, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Need help with tree
Replies: 20
Views: 961

Re: Need help with tree

Well, your first problem is that the tree is growing sideways. In fact, your whole neighborhood is vertical rather than horizontal. But to your question. The thing your tree has that an new one won't have is an extensive root system. This is a great advantage, and with a bit of coaxing can result in...
by Teague
Fri May 05, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 36
Views: 3400

Re: Insulating Walls - Worth it?

The "energy assessment technician," whatever that is, works for the company that is proposing to add insulation to your walls?
by Teague
Wed May 03, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3538

Re: Vexing electrical problem in the house

How old is the house?
by Teague
Wed May 03, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17118

Re: Buying a luxury car (how dumb would it be to do this?)

Financially speaking it is idiotic of course. With that out of the way, I suggest you buy it and enjoy. 8-)
by Teague
Wed May 03, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know exactly what % of income you spend?
Replies: 48
Views: 3438

Re: Do you know exactly what % of income you spend?

Of my gross amount earned each month, 42% hits my checking account for living expenses including health insurance premiums. The rest goes to taxes and retirement savings.
by Teague
Tue May 02, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: how to repair horrible credit?
Replies: 14
Views: 1274

Re: how to repair horrible credit?

If she still is delinquent on several accounts (in the eyes of the credit agency, anyway) and refusing to pay on them, I can't imagine anyone would be willing to extend credit to her.
by Teague
Tue May 02, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3077

Re: Great knife for slicing limes and raw potatoes

ThankYouJack wrote:
dk240t wrote:Still trying to figure out what meal OP only needs to cut limes and potatoes for...


...Potato fries...


Mandoline. Here's one: https://www.amazon.com/OXO-Good-Grips-M ... B0000DAQ8B
by Teague
Sun Apr 30, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

Submit anonymous reports detailing the unethical conduct if your workplace has that option. Enough reports will lead to action. But what sort of action? For the last few years we have been answering a supposedly anonymous survey about our workplace. Our manager has consistently gotten poor scores. ...
by Teague
Sat Apr 29, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Deceptive Billing by Dermatologist?
Replies: 33
Views: 3386

Re: Deceptive Billing by Dermatologist?

Ideally one of the office staff could act as an informant about what really goes on there. But, the doctor would have already removed any such mole.
by Teague
Sat Apr 29, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

It seems clear that: If your workplace is like North Korea, then you should act accordingly. But no-one answered my question above (paraphrasing): Why should a workplace necessarily be like North Korea? Some people are just pedantically decreeing that that's just the way it is, and it has to be tha...
by Teague
Sat Apr 29, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3643

Re: Car maintenance for older cars - where do you go ?

I usually take it to the big shade tree in front of my house. Can't beat the price, and the mechanic is a heckuva guy.
by Teague
Sat Apr 29, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

Submit anonymous reports detailing the unethical conduct if your workplace has that option. Enough reports will lead to action. But what sort of action? For the last few years we have been answering a supposedly anonymous survey about our workplace. Our manager has consistently gotten poor scores. ...
by Teague
Sat Apr 29, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 23
Views: 3691

Re: 7 car noises you should never ignore

Danzangdc wrote:http://mycarmakesnoise.com/


There's one sound there titled "STARTING BRAKE IN EXHAUST."

What on earth is a starting brake, and how the heck did it get in my exhaust?
by Teague
Thu Apr 27, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 23
Views: 3691

Re: 7 car noises you should never ignore

If I hear any unusual noise I will investigate it very soon or immediately. Same with unusual vibrations, or any other abnormal behavior by the vehicle. I will, however, generally ignore even severe whining from the passenger or back seat areas.
by Teague
Thu Apr 27, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 38
Views: 3861

Re: Why I'm tempted to fix things myself; it's not about the money

I do sympathize. Once time I had arrangements for delivery of composted dairy manure, a truck with 100+ cubic yards of the stuff. The driver was several hours late without so much as a phone call, and I was late for work because of that. You'd think that someone could at least be on time when you're...
by Teague
Thu Apr 27, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3901

Re: When does it make sense to stop paying to repair your old vehicle?

Don't do any repairs that cost more than (33.3%, 50%, 75%, 100%, 200% - take your pick) of the car's (scrap, private party sale, dealer trade-in, Kelly Blue Book, NADA Yellow Book, Black Book, Edmunds True Car Value - take your pick) amount. While we're at it, make sure your retirement income is 80%...
by Teague
Tue Apr 25, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 11404

Re: Will cars be autonomous in three years?

...Unfortunately (in my opinion), I do think that driving is one of the domains in which people will willfully ignore or suppress public health statistics and logic because their desire to drive supersedes all reason. We already have one glaring example of this in our society that the rest of the w...
by Teague
Mon Apr 24, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1624

Re: DIY Yard Tick Spray?

jadedfalcons wrote:...Never was impressed with the gamma products. There's also a zeta which I think is better than the gamma. I can hit the bugs with lambda and they're done on the spot. Gamma, they just keep on walking...


Have you tried seeking alpha?
by Teague
Mon Apr 24, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

For those who think they would/could/should modify a poor supervisor's behavior, to their benefit, I propose the following simple next step:

Try it, and let us know how it goes.
by Teague
Mon Apr 24, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 43
Views: 3849

Re: Becoming a homeowner/landlord in a college town?

I have done this and have had mixed experiences. It is not always awful. With undergrads, I prefer a two year lease to make it worth the effort. You can PM me if you want details. I do one year leases and they pay for the summers and manage that somehow. For any currently renting undergrads reading...
by Teague
Sun Apr 23, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 34
Views: 2810

Re: Baby on the way checklist

Get a decent camera, not your cell phone, and take a little time to learn to use it.
by Teague
Sat Apr 22, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2279

Re: National Parks in Northern CA

The missing piece is where you are picking up the rental car. Flying into San Francisco? Sacramento? Fresno? Something else entirely? Presumably dropping the car off at the same place?
by Teague
Fri Apr 21, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 2041

Re: White Gold ???

Lithium carbonate Fun website, identifies all those "mystery" stocks newsletters tout in their subscription pitches: https://www.stockgumshoe.com/reviews/energy-advantage/sniffing-out-kent-moors-obl-superfuel-whats-the-white-gold-1693x-more-powerful-than-gasoline/ Wow, reading that link i...
by Teague
Fri Apr 21, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 3483

Re: IRS refund today!

On the other hand, they have probably owed you some of that money for over a year.
by Teague
Fri Apr 21, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

For the past few years we have received an "engagement survey" conducted by a third-party survey company, that supposedly aggregates and anonymizes our responses to questions like "do you have the resources needed to do your job" and "do you have a best friend at work."...
by Teague
Fri Apr 21, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

I am so glad I am done with corporate culture. Never going back unless I absolutely have to. I can hardly wait myself. For the past few years we have received an "engagement survey" conducted by a third-party survey company, that supposedly aggregates and anonymizes our responses to quest...
by Teague
Thu Apr 20, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1390

Re: About lawn sprinkler sytem

Texanbybirth wrote:


Nice, thank you for sharing this website.


You're very welcome. I consider it one of the true gems of the Internet.
by Teague
Thu Apr 20, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

I have had two terrible bosses, so bad that people dreaded coming into work. A bad boss can definitely make it hard to do one's job. I don't think anyone would disagree with you on this. I think the issue is whether the subordinate employee can effectively modify the bad boss's behavior to the bene...
by Teague
Thu Apr 20, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1390

Re: About lawn sprinkler sytem

4) As for sprinkler heads and drip equipment, big box stuff is fine to start with. You'll develop a preference later on if you really get into it. Agreed. Just to note, there is one component where one is kind of locked in to their original choice. As you note, good valves are important. Residentia...
by Teague
Thu Apr 20, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1390

Re: About lawn sprinkler sytem

This subject is a little like investing: once you know enough to ask the right questions you might just decide to do it yourself. The link below is for DIY (and professionals) and is full of good information. 15 years ago I used it to design and install 2 large yards and other irrigation, and it all...
by Teague
Thu Apr 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

Whether a bad boss may benefit from constructive criticism is not relevant to the subordinate worker. Such attempts at manager rehabilitation will not benefit the subordinate worker, and will likely do the opposite, sometimes to the extreme. There is a saying: "Never try to teach a pig to sing....
by Teague
Wed Apr 19, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

OP, you may indeed feel there are "bullying, intimidation tactics, hostile environment, etc." Please understand these are not uncommon, not illegal (with very few specific exceptions for certain extreme behavior) and you are likely to encounter this sort of thing at various points in your ...
by Teague
Wed Apr 19, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first post. I've been a long time lurker and have always appreciated the collective wisdom of Bogleheads! ... Because nothing remains a secret for long in a...
by Teague
Wed Apr 19, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 12756

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

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first post. I've been a long time lurker and have always appreciated the collective wisdom of Bogleheads! ... Because nothing remains a secret for long in a...
by Teague
Wed Apr 19, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7083

Re: Did anything surprise you in your 2016 taxes?

Yes, this was the first year I owed a significant amount. Here's why, I now realize: - I refinanced the house, and had paid less deductible mortgage interest. Also, this led me to bundle deductions alternate years, and this filing was an off year (fewer deductions this year, but increased deductions...
by Teague
Wed Apr 19, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2201

Re: Pension option-Should I include child?

In my case, my monthly pension income would be $6500 with no contingent annuitant named. Should I name the 14 year old child as contingent annuitant, my monthly pension income would be $5500, and the child would receive $3000 per month for life after I die. I don't know how the above statement can ...
by Teague
Wed Apr 19, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2201

Re: Pension option-Should I include child?

OP, is there any chance of you having another child? If so, this situation could get extremely ugly. On another front, is it possible for the joint annuitant's pension payments to go into some sort of trust? I have no idea if that can be legally valid, but if so that might be a way to mitigate some...
by Teague
Wed Apr 19, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2201

Re: Pension option-Should I include child?

I can easily afford to chose this option. Reading between the lines would suspect that in pretty much any scenario the kid will likely get a large inheritance some day even you don't choose the pension option. If not then you should not take the reduced the pension. If so then they might get a larg...
by Teague
Tue Apr 18, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2201

Re: Pension option-Should I include child?

Thank you all, with a special Order of Arithmetic Wizardry medal (with clusters) presented to #Cruncher for service far above and beyond the call of duty. I do apologize for rounding some of the numbers I quoted; I never expected such a comprehensive analysis! Yet again the denizens of this forum am...
by Teague
Mon Apr 17, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2607

Re: How to be a good parent to an introverted kid

You may find that at some point he will push himself out of his "comfort zone" if he feels he needs to do that to get what he wants. But I don't think most folks, these days, see introversion as something that should be "fixed." For one thing, it can't be fixed, mostly because no...
by Teague
Mon Apr 17, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2201

Re: Pension option-Should I include child?

Thanks to all for the input. I think I'd better head over to the consumer issues section now and look for a deal on crystal balls. If I could simply determine future events my job would be much easier.

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