Search found 454 matches

by Wakefield1
Wed Jul 19, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5012

Re: Would you let your teenager spend all his savings on a gaming computer?

Building a nice computer might be a very good and constructive experience for someone.
Using it to get spaced out into video games,especially violent ones,not such a good thing.
by Wakefield1
Wed Jul 19, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: How do I contribute to a traditional IRA, literally?
Replies: 15
Views: 940

Re: How do I contribute to a traditional IRA, literally?

I believe that you can still order a packet kit that comes in the mail from Vanguard via telephone for opening an IRA,Roth IRA,or regular taxable account (might have to be "brokerage account" now) with signature forms and investment choice forms that you return via mail (and perhaps with a...
by Wakefield1
Tue Jul 18, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1288

Re: Car braking on downward slopes

Driving a 5 speed with overdrive top gear I usually used 4th gear direct drive coming down a grade that was steep enough to require downshifting out of 5 to get up it. Steep downgrade on a low speed road might mean a lower gear! With a Ford AOD automatic in the mountains I would usually use "O....
by Wakefield1
Tue Jul 18, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 4958

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

badbreath wrote:Going to give you a tip MTD makes about 90% of the push or walk behind mowers. They due have different designs for different brands.

I believe they bought a lot of the old brands" trademarks or took over the brands. White/Wheelhorse/Ariens/YardMan? Bolens?
by Wakefield1
Tue Jul 18, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1288

Re: Car braking on downward slopes

That may be normal behavior for the CVT ,I personally would avoid buying a car with CVT. There was a behavior on the Jeep Grand Cherokee with automatic transmission and when the Cruise Control was in use,on a mountain descent such as approaching Cumberland MD. on the freeway,at a point where the spe...
by Wakefield1
Sun Jul 16, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 2797

Re: Anyone have a second home in The NC mountains?

People who will be in the NC mountain area and adjacent areas such as out to the South Carolina Coast might want to check the forecast maps of the upcoming Total Eclipse of the Sun -is it Aug. 21?
by Wakefield1
Sat Jul 15, 2017 10:26 pm
Forum: Investing - Theory, News & General
Topic: Can American Funds be worth the load?
Replies: 15
Views: 1471

Re: Can American Funds be worth the load?

"American Funds" and "American Century" are two completely different entities, Right? ?
by Wakefield1
Sat Jul 15, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 4958

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

I think some Toro that are made to sell in dealer shops have much better decks than the models usually seen in big stores.
by Wakefield1
Sat Jul 15, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 4958

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

A mower model may have much better bagging or mulching performance than another. If self propelled the drive mechanism may be more prone to failure. The deck may or may not resist rusting out for a number of years. In the past Briggs & Stratton had various lines of engines. Although I would pref...
by Wakefield1
Thu Jul 13, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2621

Re: Do you pay fees to buy funds or ETFs?

Still have some "invest by mail" slips for various Vanguard funds and they come with "No Postage Needed" envelops. So no cost!
by Wakefield1
Thu Jul 13, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5174

Re: Thoughts on individual dividend investing?

BP sounds to me like "Deep Value" that is a company whose stock price is depressed hence the high dividend yield (part of the reason that price is depressed is fear that the dividend cannot be sustained) some Deep Value stocks eventually survive their problems and recover (earnings and ear...
by Wakefield1
Wed Jul 12, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6402

Re: Personal loan to a family member

If it is a very large amount,necessary to complete the house,perhaps the approach mentioned earlier where the person being asked to put up the money as a loan,instead,pays for the completion of the house but having taken over as owner(bought the project/property),then rents the house back to the rel...
by Wakefield1
Wed Jul 12, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4841

Re: $1368 for new shocks/struts on '05 Corolla?

F150HD wrote:
wilked wrote:What part of the country are you in? If you are in heavily salted areas those bolts might not come off easily


+1

I see PB Blaster in the OPs future

At least starting one day before trying to remove the bolts. Maybe a couple of days before and again the next day.
by Wakefield1
Tue Jul 11, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: What is the best to have physical silver in a Roth IRA?
Replies: 15
Views: 2614

Re: What is the best to have physical silver in a Roth IRA?

It is my understanding (and current practice) that investing your post tax $ in a ROTH IRA is completely 100% tax free on all capital gains. Does not matter what the (government approved) investment is. You can invest your post tax dollars in Silver Bars, SLV, Apple, General Motors or Cow Dung.... ...
by Wakefield1
Mon Jul 10, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5174

Re: Thoughts on individual dividend investing?

I think the problem of picking individual stocks is just that,whether they are dividend stocks or some other kind of exotic stocks-the diversified mutual fund might be the safer way to go-(for most of your serious money that needs to work for your future) picking individual stocks vs. picking (one o...
by Wakefield1
Mon Jul 10, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 249
Views: 12160

Re: Dividend Misunderstandings & Only Spend Return

You guy's are good & it's much appreciated...thank you for the great conversation! (getting into the weeds of this whole thing). As I see it the Total Stock Market is a very good fund! With 3600 stocks...but a lot of these companies are small, medium companies that are never going to do anythin...
by Wakefield1
Mon Jul 10, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3238

Re: The cost of car ownership

Wellfleet wrote:
Wakefield1 wrote:Oh for the day when a new 1966 Oldsmobile Delta 88 cost under $5000.


That's $38,000 today! :happy

What was the final price for the now vanished :( Crown Victoria?
by Wakefield1
Mon Jul 10, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: The cost of car ownership
Replies: 51
Views: 3238

Re: The cost of car ownership

Oh for the day when a new 1966 Oldsmobile Delta 88 cost under $5000. Cars that have to be depended upon for daily transportation for such things as going to work are a consumptive item. Getting new ones before the old ones are used up usually increases the ongoing costs. Treating it roughly so that ...
by Wakefield1
Sun Jul 09, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 2883

Re: Is Vanguard down this AM (7/9/17)?

It could be that it would be helpful if Vanguard had an understood policy that the website or individual account log on would be unavailable on some scheduled regular basis and that schedule displayed on the main front page,say for midnight to 2:00 AM on a couple of weekdays or perhaps 6:00 to 9:00 ...
by Wakefield1
Fri Jul 07, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3207

Re: Why is it wrong to hold both? [Total Stock Market and 500 index]

Why is it wrong, or a bad idea to hold both Vanguard Total Stock Market Index (VTSAX) and Vanguard 500 index (VFIAX)? Maybe if you told us why you think this, someone could explain why it might have been less than optimal in a certain circumstance. It is conceivable that someone has enough (valuati...
by Wakefield1
Fri Jul 07, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Weak Evidence for International in Vanguard Research - Am I Missing Something?
Replies: 74
Views: 4999

Re: Weak Evidence for International in Vanguard Research - Am I Missing Something?

I see Vanguard is advising that it will have some kind of online roundtable or forum via its website on July 20,1 PM Eastern time concerning the desirability of International investing or allocation:it appears that they are currently collecting questions from people who preregister for the web cast ...
by Wakefield1
Wed Jul 05, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3618

Re: Expensive Car Repair, New Engine

Having a plugged crankcase ventilation valve (or plugged up hoses that connect to it) or a valve which is the wrong one for that car could lead someone to suspect that blowby is excessive.
by Wakefield1
Wed Jul 05, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3618

Re: Expensive Car Repair, New Engine

A newer car that is burning oil may develop a stopped up catalytic converter. I don't know whether the catalytic converter can mask the heavy light grey smoke of severe oil burning. Also some engines that burn excessive oil will have bad valve guide seals which should be repairable/replaceable,the w...
by Wakefield1
Tue Jul 04, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is the advantage of deferring taxes vs paying them up front?
Replies: 57
Views: 4886

Re: What is the advantage of deferring taxes vs paying them up front?

As I see it with taxable accounts you pay up front and then you keep on paying! (On the income) I think I like Roth IRA a bit more than some of the experts-the psychological value of "knowing" that the taxes are taken care of permanently (according to present understanding) and the value o...
by Wakefield1
Sun Jul 02, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4093

Re: Advice on Desktop PC

This will improve the startup time of your applications and the computer. This made me curious. I opened up 3-4 applications including Excel, HRBlock Tax Software, Quicken . I have a regular hard drive and they all opened in less than two seconds. Even VirtualBox opens up in a snap to the screen. T...
by Wakefield1
Fri Jun 30, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 6585

Re: The Index fund fallacy - what we lost sight of!!

I posted this already somewhere else but as to International and Healthcare I understand that Vanguard's Health Care Fund has 22.5% of its holdings in companies domiciled outside of the U.S. So I can pat myself in the back at not being completely in arrears of those who preach "International Di...
by Wakefield1
Fri Jun 30, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 945818

Re: U.S. stocks in freefall

I consider myself a dividend investor but for some time I have tried to direct such dividends as collect into stocks other than the ones that produce the nice dividends (generally into Vanguard Mutual Funds) or into my "emergency house downpayment fund" just sent a check to purchase some m...
by Wakefield1
Thu Jun 29, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 6011

Re: International Stocks - New thoughts

Well! I do have some "International Diversification" after all. (Although I must admit to having some "actively managed" fund).
Vanguard says that Vanguard Health Care Fund has 22.5% of its 76 holdings in companies domiciled outside of the United States.
by Wakefield1
Thu Jun 29, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 194
Views: 12973

Re: Buying house - Very important decision

Is a smaller house on a bigger lot (with some sunny gardenable area) available for a lower price than that mansion?
by Wakefield1
Thu Jun 29, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Lexus RX400h - smoke from hood. What could be the issue?
Replies: 9
Views: 744

Re: Lexus RX400h - smoke from hood. What could be the issue?

Putting coolant into the reservoir will not necessarily cause it to go into the engine if the engine contains air or steam where there should be coolant.
Running the engine especially for more than a minute or so without coolant in the engine could have severely damaged it.
by Wakefield1
Mon Jun 26, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 2983

Re: Surge Protector for Refrigerator

Probably a separate issue but devices such as refrigerators and air conditioners with motorcompressors are subject to damage if their power is interrupted and then turned back on rapidly while the compressor is running,it requires a certain amount of time after stopping before it can restart because...
by Wakefield1
Mon Jun 26, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3772

Re: Stupid Security Questions

The security questions are an annoyance,especially if required to change them periodically. Some of the questions if answered correctly may allow someone to "reset your password" those kinds are especially dangerous. It has come to be that some of mine are similar or identical questions bu...
by Wakefield1
Sun Jun 25, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 6011

Re: International Stocks - New thoughts

At least when I was privileged to have had a conversation with Mr. Bogle some years ago although he did not use a lot of erudite academic jargon with me I think he could have held his own and more in a discussion involving the mathematics of investing and possible returns with any of the elaborate t...
by Wakefield1
Sat Jun 24, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 35
Views: 2643

Re: Anything wrong with 100% US Stocks?

The question as to whether to invest (mostly) in businesses based in one's own Country of Citizenship is probably much different depending on where you are located or hold Citizenship. Say if you are a citizen of Germany or Netherlands-should your biggest allocation be in one of those? Or should Uni...
by Wakefield1
Sat Jun 24, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 2082

Re: emerald ash borer disaster

Dying ash trees in Arlington County with what look to be emerald ash borer emergence holes in the bark-along the Route 66 bike path near Spout Run Ash trees near where I live in Arlington with dieback in upper branches but I can't see any emergence holes (might be too high) Two large (Notable Tree?)...
by Wakefield1
Fri Jun 16, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3951

Re: Turbochargers

I am skeptical of the idea that turbocharged gasoline engines can now be built with the same high compression ratios as can be used on non-turbocharged/non-supercharged gasoline engines (assuming operation at sea level atmospheric pressure conditions),if the engine in order to preserve reliability w...
by Wakefield1
Fri Jun 16, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 3951

Re: Turbochargers

I am amazed at the number of turbocharged gasoline engine cars in the current Consumer Reports car issue. Sorry to see that the excellent Honda Accord V6 (not turbocharged) is going away. I agree with the posters who say that turbos increase complexity and likely make the car potentially more expens...
by Wakefield1
Wed Jun 14, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: The amount of mined gold is increasing fairly rapidly, IMO
Replies: 22
Views: 1534

Re: The amount of mined gold is increasing fairly rapidly, IMO

People in my family used to believe that there was a small total amount of gold in the world and that if all of it were mined and brought to one place it would have only filled a couple (few?) medium sized rooms,hence the extreme high price and desire for it in reality (according to my understanding...
by Wakefield1
Mon Jun 12, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1601

Re: Vanguard believes in active managment

Managed fund (that invests heavily in stocks)-could the objective be to "limit downside risk"or"limit downside risk during bad times" over a relatively short several years as opposed to "beat the market" over an indefinite amount of time? Was Windsor Fund sort of grandf...
by Wakefield1
Tue Jun 06, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3063

Re: Gas station prices and quality

I certainly would buy ethanol free gas for my mowers and saw if it was available near where I live. Even at some extra cost.
by Wakefield1
Tue Jun 06, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3063

Re: Gas station prices and quality

Is there anything written about direct injection (as opposed to the AAA article which only looked at port injection)? I ask because newer vehicles are using direct injection and there are already commercially available systems using walnut shell blasting to clean intake valves for direct injection ...
by Wakefield1
Tue Jun 06, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: Broken Honda Accord key 2009
Replies: 11
Views: 892

Re: Broken Honda Accord key 2009

On some modern cars the key contains an electronic transponder that interacts with part of the car's antitheft system using a code specific to that car. If the correct code isn't returned from the key the engine will shut off within a short time even if the key blade is the right one for the lock cy...
by Wakefield1
Sun Jun 04, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4225

Re: NJ Lemon Law 2017 Honda CRV

I believe some cars (Jeep Grand Cherokee for one) have a fuse that can be removed for less battery drain during storage but pulling that fuse might cause "memory" of such things as radio button station settings to be lost. RAM memory for power control modules,body control modules? Some car...
by Wakefield1
Fri Jun 02, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 54
Views: 10557

Re: Anyone have A/C fail on an older Honda CRV?

In the early 1960's air conditioning in cars seemed to be a novelty that usually quit functioning by the time the car had 50,000 or so miles on it-and the Freon seemed to disappear every year!
1966 Oldsmobile that my Grandfather had seemed to do O.K. as to A/C however
by Wakefield1
Fri Jun 02, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7915

Re: What Do You Pay for an Oil Change?

Remember that in a case of dishonest oil filter service someone could have substituted another used oil filter,wiped off to look pretty and swapped for the one removed from your car. Prefer to either pay a trusted mechanic to do these things or do them myself -although probably costs me more for 6 q...
by Wakefield1
Thu Jun 01, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2445

Re: Changing Car Cabin Air Filter - after how much time

If changing (or adding one as an option for the first time as on the 2004 Jeep Grand Cherokee) this filter could possibly help prevent corrosion and failure of the heater core and air conditioner cooling evaporator it would be worth doing on schedule-it is a major operation requiring the dashboard t...
by Wakefield1
Sat May 27, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: History: Tulip Fever
Replies: 13
Views: 2068

Re: History: Tulip Fever

Just an aside, but there is some research suggesting the tulip craze was not actually as crazy as the story is usually told. Here is a review of a couple such studies: http://www.economist.com/blogs/freeexchange/2013/10/economic-history Of course speculative bubbles do happen, but hindsight tends t...
by Wakefield1
Thu May 25, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7655

Re: How dividends become irrelevant?

rbaldini wrote:I've created a monster.

:happy :happy :happy :happy :beer
by Wakefield1
Thu May 25, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7655

Re: How dividends become irrelevant?

Earnings that occurred in the past? What if they are not sustained into the future? Do the past earnings help the value to the stockowner(over the duration that the stock was held) if no dividends were ever paid? As opposed to having owned a stock that paid considerable dividends over a holding per...
by Wakefield1
Thu May 25, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 7655

Re: How dividends become irrelevant?

Earnings that occurred in the past? What if they are not sustained into the future? Do the past earnings help the value to the stockowner(over the duration that the stock was held) if no dividends were ever paid? As opposed to having owned a stock that paid considerable dividends over a holding peri...

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