Search found 799 matches

by daytona084
Thu May 17, 2018 4:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Meeting Notice - May 19th 2018

Reminder - Our next meeting is this Saturday, May 19th. New members are welcome! When: Saturday May 19th 10:30 AM - 12:00 Noon Where: Multi-Lakes Conservation Association 3860 Newton Rd Commerce Twp, MI 48362 Topics (Approx 30 Minutes Each): 1. International Stock Funds in your Portfolio - - Why? W...
by daytona084
Sat May 05, 2018 9:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Meeting Notice - May 19th 2018

Detroit Area Bogleheads - Meeting Notice When: Saturday May 19th 10:30 AM - 12:00 Noon Where: Multi-Lakes Conservation Association 3860 Newton Rd Commerce Twp, MI 48362 Topics (Approx 30 Minutes Each): 1. International Stock Funds in your Portfolio - - Why? Why not? 2. a. How to recognize and deal ...
by daytona084
Wed Apr 11, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4407

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the...
by daytona084
Tue Apr 10, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4407

Re: New Lexus LS or Tesla Model S

Am I missing something? With a Tesla, you have to charge the battery every 200-300 miles, right? We typically drive our Cadillac 600-700 miles per day on road trips, visiting grandchildren or a warm place in the winter. The Tesla would not be capable of such a trip. Wouldn't this be a factor in the ...
by daytona084
Mon Mar 26, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 1924

Re: GE Microwave Weird Issue

I have no idea what is going on but a microwave turning itself on seems to me to be a very bad business and it would put me into territory where I would say "I do not want this fixed because the design itself must be defective, I need to get a new microwave... and not from GE... even if it means ju...
by daytona084
Wed Mar 21, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1350

Re: Outdoor Blower

I also recommend the EGO. It's amazing how handy it is and how many uses I find for it, because it's not necessary to start the thing up (like a gas blower) or string a cord (like a corded blower). It's great for cleanup after lawn mowing, clearing light snowfall, blowing debris off the deck, etc. h...
by daytona084
Sat Mar 17, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8678

Re: Need for Medicare supplemental plan?

As others have commented, the logic in the original article is severely flawed. This is insurance , not a "health plan" we are talking about. One does not buy a medicare supplement policy, or any other insurance policy, hoping it turns out to be a "good deal". (For example, I don't think I have ever...
by daytona084
Sun Mar 11, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Balsamic vinegar?
Replies: 31
Views: 3723

Re: Balsamic vinegar?

+1 on Fustini's
by daytona084
Sun Mar 11, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Investing spreadsheet or software?
Replies: 17
Views: 1595

Re: Investing spreadsheet or software?

If your decade-old Quicken is working fine for you, just install it on your new computer. Your license allows you to do this.
by daytona084
Wed Mar 07, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1088

Re: Net Worth Template

Very nice and pretty. If you want to actually "track" net worth over time, you would have a column for every month (or week or year, whatever your time interval). I do it the opposite way, with the accounts across the top and an one row for each month.
by daytona084
Wed Mar 07, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3295

Re: What if you have a poorly rated car?

Consumer Reports bases their choice of "cars to avoid" mainly based on what they call "reliability". Their ratings are all based on comparison to "average". Ratings range from "much worse than average" to "much better than average". What they bury in the fine print is that "average" reliability has ...
by daytona084
Wed Mar 07, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1088

Re: Net Worth Template

I created a net worth spreadsheet somewhere around 1986 when I got my first PC. This was back when the flagship spreadsheet program was Lotus 1-2-3. It was (and still is) a no-brainer - no need for a template. I also went back and entered the numbers going back to "day one" (1975). The spreadsheet (...
by daytona084
Wed Feb 21, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3553

Re: Horrible Experience with Ally New Account Opening Process

I don't get it. You are depositing money with Ally, not getting a loan, right? Why is the customer's credit report even applicable?

I opened an Ally account years ago (checking and saving) with no issues whatsoever. That was before I froze my credit.
by daytona084
Wed Feb 21, 2018 4:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Next Meeting March 3rd, 2018. "Bogleheads 101"

This is a reminder - Next Meeting in 10 Days - March 3rd - 10:30 AM Several members expressed interest in a "Bogleheads 101" presentation. So, that will be the topic at the next meeting March 3rd. Keith has volunteered to lead the discussion with a presentation entitled "Letters to My Son", which wi...
by daytona084
Sat Feb 17, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3846

Re: Mixing fuel octanes for cars

Back in the day, Sunoco offered eight grades of gasoline from "sub-regular" 190 to "super premium" 260 (actually 102 octane). The pump just mixed the 190 and the 260 to produce the other 6 grades in between. There were not eight tanks in the ground. So, yes, mixing two grades is a completely valid t...
by daytona084
Sun Feb 11, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: U-Haul Investors Club
Replies: 14
Views: 2881

Re: U-Haul Investors Club

(knock at the door)... "I'm sorry, there's bad news. U-Haul defaulted on your investment. But not to worry, your loan is 'asset-backed'. Where would you like us to put these 12,000 furniture dollies?" :happy
by daytona084
Fri Feb 09, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 14
Views: 1225

Re: Quicken Alternatives

Quicken 2017 download services will work thru April 2020.
by daytona084
Mon Feb 05, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2065

Re: Internet Speed 15Mbps okay ?

We have nominal 10Mbps (actually getting about 8 Mbps when measured) and we can everything (including Netfilx) works fine.

Edit: I could also add that some time ago we had "Economy" internet (3 Mbps!) and Netflix "worked" but we had to drop down a notch on quality (720P I think).
by daytona084
Wed Jan 24, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 3692

Re: Excel for Personal Finance Accounting ?

The OP's goal is to "to reconcile and maintain our deposit and credit card accounts"... If that's all one wants to do, Excel (or any other spreadsheet) can do the job with ease. With or without a template to start with. On the other hand, to duplicate all the features in Quicken requires a relationa...
by daytona084
Sat Jan 20, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 32
Views: 4624

Re: Replace floor BEFORE or AFTER New Cabinets?

Our home was built new in 2003. The builder could have done whatever he wanted. The floors (hardwood) were put in first and the cabinets sit on top of the floor. The only type of "flooring" that goes in last is carpet. As mentioned, the dishwasher could not be installed or removed if the floor were...
by daytona084
Sat Jan 13, 2018 3:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Next Meeting Planned for March 3, 2018

Hello KK2020,

The next meeting is planned for March 3, 2018, same time and location as previous meetings. You are welcome to attend!

Send email to detroitbogleheads@yahoo.com if you want to be added to our mailing list.
by daytona084
Thu Dec 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Looking for an ultra-simple note taking app (Android)?
Replies: 12
Views: 666

Re: Looking for an ultra-simple note taking app (Android)?

Google Keep -

I like it because it's always available and sync'ed no matter which device I'm using - phone, tablet, or PC.
by daytona084
Sun Dec 10, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1899

Re: Best Parmesan Cheese for Salad

The only true "Parmesean Cheese" is Parmigiano-Reggiano. It comes from specific provinces in Italy. European law classifies the name, as well as the translation "Parmesan", as a protected designation of origin. Anything else is an imitation. You can read a brief summary on Wikipedia: https://en.wiki...
by daytona084
Sat Dec 02, 2017 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1128

Re: Local Chapters - What to Discuss / What's the Point?

Thanks everyone. I did not think of checking what's on line in the local chapter threads, so that should be a big help. Lynnette - thanks for the kind words - we miss you! We have considered other locations but two problems - (1) most have a dollar cost associated. At a minimum we would have to take...
by daytona084
Fri Dec 01, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 3811

Re: I'm 100% international with VEU. Is this wise?

Basically you are talking about market timing. You are betting on higher returns for international than for US equities. You might be right or you might be wrong. Time will tell.

My investment policy statement does not instruct me to make changes based on PE ratios. So I don't pay attention.
by daytona084
Fri Dec 01, 2017 1:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1128

Re: Local Chapters - What to Discuss / What's the Point?

Do local chapter meetings also follow the rule of no political discussions? I would definitely not go if politics ever came up. I don't believe I have seen any rules from the mother ship for local chapter meetings. I do not recall politics coming up in any local chapter meeting I have attended, but...
by daytona084
Fri Dec 01, 2017 11:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1128

Re: Local Chapters - What to Discuss / What's the Point?

Thanks for the replies! I edited the OP to include: Based on the first few responses it seems my question was mis-stated or misunderstood. The dilemma is not deciding whether to attend my local chapter. I am actually one of the organizers. The problem is how to keep the local chapter "alive" given t...
by daytona084
Fri Dec 01, 2017 10:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Local Chapters - What to Discuss / What's the Point?
Replies: 13
Views: 1128

Local Chapters - What to Discuss / What's the Point?

Here is my dilemma. One of the main advantages of Boglehead style investing is to set up your plan and then stay the course. You avoid the noise, the financial news, the angst about day-to-day market fluctuations, what might happen in the future, etc. So a local chapter should be kind of the opposit...
by daytona084
Fri Dec 01, 2017 10:03 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Detroit Area Bogleheads - Next Meeting Saturday December 2

Our next meeting will be Saturday December 2nd, 2017 10:30 AM to 12:00 Noon For this meeting we are planning a discussion, led by our resident expert Jason: "Roth Conversions" . Normal version; Horse Race version Leap Frog version Please come prepared to join the discussion with like-minded people, ...
by daytona084
Sun Nov 26, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3579

Re: The annoying insistence on frivolous credit checks/pulls

Regarding mobile phones: You can avoid the need for a credit check by just using "prepaid" plans. You purchase your phone and own it outright. Then purchase the service separately,. I find the total cost of prepaid to be lower than the contract plans.
by daytona084
Mon Nov 20, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 15796

Re: Dave Ramsey says don't use credit cards, even if you pay them off

We use credit cards for everything. In our entire life, We have always paid off every credit card every month. So in effect we delay payment for everything we purchase by about 6 weeks. Have I ever said to myself, "you know I don't have the funds to buy this right now, but I will have the money in 6...
by daytona084
Sun Oct 01, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any advice on moving my company 401k?
Replies: 17
Views: 1800

Re: Any advice on moving my company 401k?

Over the years, the large company that I worked for changed from an (apparently) "home brew" 401k, to State Street, then to Fidelity, and now it's in T Rowe Price. My assumption is that representatives of these firms came knocking on the door, looking to snag the business. If Vanguard wants your bus...
by daytona084
Sat Sep 09, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 8289

Re: Luxury car: perception vs reality

One observation is that even "average" cars today are excellent. "Back in the day", you really did have to spend to get something beyond basic and sparse. Today that's not the case. The 1975 Cadillac Seville was way nicer/better than the same year Chevy Nova on which is was based. But the differenc...
by daytona084
Thu Sep 07, 2017 11:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Detroit Area Bogleheads - Next Meeting Saturday Sept 9, 2017

Our next meeting will be Saturday September 9th, 2017 10:30 AM to 12:00 Noon For this meeting we are planning a discussion: "Tax Strategies" . There will be a wide range of tax-related topics including: Tax loss harvesting 'Bunching deductions' in order to itemize one year then standard deduction th...
by daytona084
Fri Sep 01, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3839

Re: Hurricane Harvey relief?

+1 for Samaritan's Purse

https://www.samaritanspurse.org
by daytona084
Wed Aug 30, 2017 11:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Re: Detroit Area Bogleheads - Master Thread

Our next meeting will be Saturday September 9th, 2017 10:30 AM to 12:00 Noon For this meeting we are planning a discussion: "Tax Strategies" . There will be a wide range of tax-related topics including: Tax loss harvesting 'Bunching deductions' in order to itemize one year then standard deduction th...
by daytona084
Wed Aug 30, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: First article I've read against indexing that seems convincing
Replies: 40
Views: 6488

Re: First article I've read against indexing that seems convincing

From the article: "A recent study found that corporate America may have cut R&D spending as much as $122 billion a year because of the rise of index funds" So, we are to believe that in top-floor meeting rooms across the country, upper management are charting the future course of their corporations ...
by daytona084
Thu Aug 03, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 10632

Re: LED light bulbs

Ecosmart from Home Depot. I purchased about 20 of them - no failures at all. I like the warm white.

Also a few Wal-Mart store brand, also no failures.
by daytona084
Sat Jun 24, 2017 8:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Re: Detroit Area Bogleheads - Master Thread

The next meeting of the Detroit Chapter is planned for September 9th, 2017. It will be at the usual location (Multi-Lakes Conservation Association - scroll up for information). Hope to see everyone there!
by daytona084
Tue May 16, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 6114

Re: Funny Letter [Canceling Escrow Account]

I had a fun experience paying off my mortgage. At one point, with a few months left before the loan would have been paid off in the natural course of events, it dawned on me that the escrow balance was greater than the loan balance. So I walked into a branch and said "I want to pay off my mortgage u...
by daytona084
Sun May 14, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 32
Views: 4624

Re: Replace floor BEFORE or AFTER New Cabinets?

Our home was built new in 2003. The builder could have done whatever he wanted. The floors (hardwood) were put in first and the cabinets sit on top of the floor. The only type of "flooring" that goes in last is carpet. As mentioned, the dishwasher could not be installed or removed if the floor were ...
by daytona084
Tue Jan 31, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Everybody says stocks are expensive but market keeps rising
Replies: 13
Views: 3385

Re: Everybody says stocks are expensive but market keeps rising

My investment policy statement calls for my stock allocation to be 100% minus my age. It doesn't have any reference to current market conditions. With that pre-determined, I am free from this kind of worry.
by daytona084
Sun Jan 22, 2017 12:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Next Meeting - Saturday January 28th, 2017

Our next meeting will be this Saturday January 28th, 10:30 AM to 12:00 Noon For this meeting we are planning a discussion: " Bogleheads 101 ". We are asking two things: 1. Bring a (perhaps younger) guest with you to the meeting, who you think might benefit from or be interested in the discussion. We...
by daytona084
Tue Nov 29, 2016 10:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Detroit Area Bogleheads - Next Meeting This Saturday

Hi Everyone, Our next meeting will be this Saturday December 3, 10:30 AM to 12:00 Noon Two Subjects: 1. There will be a report on this year's Boglehead Conference in Philadelpha from one of our members who attended. 2. The main topic will be your "Investment Policy Statement" with a presentation and...
by daytona084
Fri Nov 25, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Internet Radio through Home Stereo?
Replies: 16
Views: 3000

Re: Internet Radio through Home Stereo?

A bluetooth adapter is all that's needed - for example
http://www.kohls.com/product/prd-235955 ... dapter.jsp
by daytona084
Sat Nov 05, 2016 11:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 43
Views: 12988

Detroit Chapter - Next Meeting is December 3

The next meeting of the Detroit Chapter will be December 3, 10:30 to 12:00 noon. The subject will be "Investment Policy Statements" or IPS. We will also have a brief report from one of our members who attended the Bogleheads Conference in Philadelphia. As usual, the meeting will be at the: Multi-Lak...
by daytona084
Tue Sep 20, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: removing door dings
Replies: 3
Views: 695

Re: removing door dings

We had a ding in our minivan lift gate. My wife took it to a ding guy and he made significant improvement but could not get rid of it completely. She said she wasn't happy and he agreed not to charge her.
by daytona084
Sun Jul 03, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Carpet "Spot Cleaner" Machine Recomendations
Replies: 6
Views: 612

Re: Carpet "Spot Cleaner" Machine Recomendations

Thanks for the replies. I edited the OP for clarity... I am really asking for recommendations on the purchase of a machine (heat vs. brush), not on which solution to use for manual cleaning.
by daytona084
Sun Jul 03, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: My Excel is 9 yrs old(2007). Update??
Replies: 28
Views: 2632

Re: My Excel is 9 yrs old(2007). Update??

For personal use, I am still using Excel 97 and it works fine. I have used 2003 and 2007 and find only a couple of minor improvements. If you collaborate with others and share your work, there might be occasional incompatibility due to the different versions. That's the only reason I can think of to...
by daytona084
Sun Jul 03, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Carpet "Spot Cleaner" Machine Recomendations
Replies: 6
Views: 612

Carpet "Spot Cleaner" Machine Recomendations

I am considering a small carpet spot cleaner such as the Bissell "SpotBot" or the Bissell "Little Green" unit. Here is an array of Bissell products: https://www.bissell.com/carpet-cleaners/portable-carpet-cleaners One use would be for stairways, where the upright carpet cleaners would be too unwield...