Search found 758 matches

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: 2682

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: 29
Views: 8143

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 disc...
by daytona084
Tue Nov 29, 2016 10:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

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 presen...
by daytona084
Fri Nov 25, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Internet Radio through Home Stereo?
Replies: 16
Views: 2006

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: 29
Views: 8143

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:...
by daytona084
Tue Sep 20, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: removing door dings
Replies: 3
Views: 558

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: 548

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: 2331

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: 548

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 ...
by daytona084
Thu Jun 16, 2016 2:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Detroit Chapter - Next Meeting June 18th

One final reminder - Next meeting this Saturday June 18th. See previous message for details!
by daytona084
Mon Jun 13, 2016 1:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Next Meeting - Saturday June 18th

The next meeting of the Detroit Area Chapter will be Saturday June 18, 10:30 AM to 12:00 Noon Newcomers are welcome! Subject: Boglehead Vacation Time! Since vacation season is approaching, let's talk about ways that savvy Bogleheads can improve their vacation experience and save money. Some ideas: O...
by daytona084
Mon May 16, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is there an HSA account without monthly fee
Replies: 28
Views: 3301

Re: Is there an HSA account without monthly fee

HSA Bank waives the fee if your balance is over $5000.
by daytona084
Wed Apr 20, 2016 4:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Next Meeting - April 30th 2016

Our next meeting will be in ten days, Saturday April 30th, 10:30 AM to 12:00 Noon Subject: Spring cleaning! Keith will lead us through a discussion of some of the basic issues that concern us, or our children, or even our grandchildren. An open discussion on issues that face younger investors. Led b...
by daytona084
Tue Mar 01, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Comcast modem upgrade
Replies: 25
Views: 8215

Re: Comcast modem upgrade

I have owned my own cable modem for probably 15-20 years. (Motorola Surfboard) About five years ago, my modem got fried by a lightning strike so I replaced it. (Maybe $60). The "modem rental" charge for a Comcast-owned modem are outrageous. I wouldn't be surprised if the purchased modems h...
by daytona084
Fri Jan 15, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 5190

Re: Help - want to pay "cash" for a car

I have also purchased cars from dealers using a personal check. In addition to what everyone else has said, don't forget that it's the dealer who submits the paperwork for your title. If your check is no good, don't expect to receive the title.
by daytona084
Tue Jan 12, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2537

Re: Thoughts on moving within same subdivision?

We moved approx. 1/2 mile to a newly-built home in our same neighborhood. We thought it was great. Made a few great new friends, and kept all the old ones.
by daytona084
Sat Nov 28, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Minimum amount to donate shares?
Replies: 24
Views: 1745

Re: Minimum amount to donate shares?

I don't think anyone is arguing that one should donate shares to a charity that will not accept them. How much time and effort does it take a small charity to deal with a check? It seems that you are also saying that even that can be a burden. And then there are those charities advertising that the...
by daytona084
Fri Nov 27, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum amount to donate shares?
Replies: 24
Views: 1745

Re: Minimum amount to donate shares?

I don't think anyone is arguing that one should donate shares to a charity that will not accept them. How much time and effort does it take a small charity to deal with a check? It seems that you are also saying that even that can be a burden. And then there are those charities advertising that the...
by daytona084
Fri Nov 27, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum amount to donate shares?
Replies: 24
Views: 1745

Re: Minimum amount to donate shares?

I've donated as low as 8 shares, approx $250. No problem.
by daytona084
Mon Oct 26, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: Get ready for crash?
Replies: 34
Views: 5749

Re: Get ready for crash?

"Here are just a few of the articles describing its forecasts that were published before the market's behavior confirmed them"...

Right. And here are just a few of the acorns found by the blind squirrel in my yard!
by daytona084
Sat Oct 10, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Podcast App for Android?
Replies: 15
Views: 1066

Re: Podcast App for Android?

I tried every one I could, and the runaway winner for me was "Podcast HD" https://play.google.com/store/apps/details?id=com.rootive.friend.podcasts My requirements are: - Easy way to bookmark my favorite podcasts - Ability to download the podcast to the device for listening later. Seems li...
by daytona084
Thu Sep 10, 2015 2:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Reminder - Detroit Area Bogleheads - Next meeting - Saturday September 12 2015

Reminder - Detroit Area Bogleheads - Our next meeting is planned for Saturday September 12th 2015 at the usual time and place. There will be a discussion/presentation by Keith on strategies for taking Social Security. Bring your thoughts, opinions and questions. There probably will be plenty of time...
by daytona084
Wed Sep 02, 2015 9:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Re: Detroit Area Bogleheads - Master Thread

Our next meeting is planned for Saturday September 12th 2015 at the usual time and place. There will be a discussion/presentation by Keith on strategies for taking Social Security. Bring your thoughts, opinions and questions. There probably will be plenty of time for general discussion of other topi...
by daytona084
Sat Aug 08, 2015 6:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Re: Detroit Area Bogleheads - Master Thread

ved: Welcome! To be added to our email mailing list, please send me an email at: detroitbogleheads@yahoo.com To be added as a subscriber of this thread, click the arrow on the wrench icon below, then click "Subscribe Topic" hi, Just found this master thread for the Detroit Area BH. Please ...
by daytona084
Mon Jul 27, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help--> Buying car from private seller
Replies: 13
Views: 1459

Re: Help--> Buying car from private seller

Presumably you have checked the Carfax for more certainty there are "no issues", but you didn't mention it. I recently was interested in a car.. price was very good... the Auto Trader ad showed a blurry photo of the carfax but the owner didn't actually have it. I spent $20 for an "Aut...
by daytona084
Fri Jul 24, 2015 5:54 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 76
Views: 9522

Re: Do you hate your vehicle infotainment system?

2010 Cadillac - with NAV, Bose Stereo with 40 GB hard drive for music. Can also play music off a thumb drive or an iPod. I am quite happy. It does have a touch screen, but almost everything can be done alternatively with dedicated buttons in the controls below the screen. (and some on the steering w...
by daytona084
Thu Jun 18, 2015 9:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Detroit Area Bogleheads - Next Meeting Saturday June 20th.

Just a reminder that our next meeting is in two days, June 20th. See previous posting for all the info! New members welcome!
by daytona084
Fri Jun 12, 2015 4:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Next Meeting - - Saturday June 20th

Our next meeting is planned for Saturday June 20th at the usual time and place. There will be a discussion/presentation by Jack Haynes on International Funds. This will take about 30 minutes. Bring your thoughts, opinions and questions. There will be plenty of time for general discussion of other to...
by daytona084
Thu Apr 30, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Considering HVAC Zoning
Replies: 5
Views: 1773

Re: Considering HVAC Zoning

Thanks for that advice... I should have mentioned, I am in Michigan and have gas forced air heating. Heat pumps are generally not cost effective in this area unless they are ground-source (geothermal). Not quite ready for that at this time. And yes, I do plan on including the bypass duct.
by daytona084
Thu Apr 30, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Considering HVAC Zoning
Replies: 5
Views: 1773

Considering HVAC Zoning

Hi everyone, I am considering adding a zoning system to my HVAC. It's a 2500 SF two-story with basement, with only two people. So it seems the right thing to heat/cool only those areas that need it. I'm looking for feedback on hardware: dampers, control unit, and thermostats. Any bogleheads with exp...
by daytona084
Thu Apr 02, 2015 7:27 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 6014

Re: Beepi - a new way to buy a used car?

I searched beepi for a Chevrolet Malibu. Quantity available = zero.
I searched for a Ford Fusion. Quantity available = 1.
I would say they have yet to reach critical mass.
by daytona084
Tue Mar 31, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 21
Views: 4150

Re: Already having second thoughts about HSA Bank

Well, I opened the HSA account finally. Once the account was linked to my bank, I transferred $6550 for 2014 in January. I was still charged the $2.50 fees. I tried to call them but gave up for long holding time on phone. I tried to email @ "askus".....but no one has replied or acknowledg...
by daytona084
Sun Mar 29, 2015 12:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Next Meeting - April 11th

Our next meeting is planned for April 11th at the usual time and place. There will be no set topics for discussion Instead, we are asking everyone to bring two "questions" or subjects for discussion. We often have fruitful discussions on the spur of the moment when people bring up topics, ...
by daytona084
Sun Mar 29, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 55
Views: 11886

Re: My Strategy For A Market Crash

One thing to consider - when you reinvest dividends in a taxable account, every reinvestment event creates a new lot for tax purposes. As it does when paid in cash. I'm in the 15% tax bracket still, so Fed taxes are zero. No, it does not. If the dividend is paid in cash, it does not add a new lot o...
by daytona084
Sun Mar 29, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 55
Views: 11886

Re: My Strategy For A Market Crash

One thing to consider - when you reinvest dividends in a taxable account, every reinvestment event creates a new lot for tax purposes.
by daytona084
Fri Mar 13, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4824

Re: Capital One seemed happy to lose me as a customer?

I canceled a BofA Visa card a few weeks ago. No hard sell at all. Not a hint of trying to change my mind. I had the impression he was acting as he was trained to do.
by daytona084
Thu Mar 12, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 1515

Re: Vitamins/Supplements, recs for reliable brands & retaile

These are all high quality reputable brands:

  • Vital Nutrients
  • Thorne
  • Carlsons
  • Jarrow
  • NOW
  • Healthy Origins
  • Nutrigold
  • Dr Mercola
  • Life Extension
  • Natural Factors
by daytona084
Mon Mar 09, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 34
Views: 4926

Re: Thinking of buying electric shaver

After 40+ years of shaving with a blade, I bought this Norelco: http://www.amazon.com/gp/product/B00JITDVCI/ref=oh_aui_detailpage_o05_s00?ie=UTF8&psc=1 . http://static.bootic.com/_pictures/835497/350x350/philips-norelco-powertouch-electric-razor-pt730.jpg It's one notch up from the cheapest and ...
by daytona084
Fri Jan 16, 2015 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Do You Keep Tax Records?
Replies: 28
Views: 3493

Re: How Long Do You Keep Tax Records?

I keep them forever in digital form. That way they really don't take any "space". I see no reason to delete them.
by daytona084
Fri Jan 16, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 67
Views: 6501

Re: A quick poll--pension annuity vs. lump sum

A few important pieces of information to consider -

- size of the lump sum
- annuity monthly payment
- your age
- your general health i.e. do you feel you will have a longer or shorter lifespan than the average person your age?
by daytona084
Fri Jan 16, 2015 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Next Meeting - February 7th

Our next meeting is planned for February 7th at the usual time and place. The plan is for two topics - 1. Annuities 2. "Robo Advisers" such as Betterment.com The usual time and place: 10:30 AM to 12:00 Noon Multi-Lakes Conservation Association 3860 Newton Rd, Commerce Township, MI 48382
by daytona084
Wed Jan 14, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 21
Views: 4150

Re: Already having second thoughts about HSA Bank

Might or might not have something to do with OP's problem, but HSA Bank went through some major changes in November-December including a completely new customer website and new debit cards for everyone. Presumably this was a major data migration project in both cases. I had several questions and had...
by daytona084
Thu Jan 08, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 51364

Re: make mortgage payment with a credit card?

It would also be nice to pay a credit card bill with another credit card. Don't think you will find that either.
by daytona084
Mon Jan 05, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: HSA Bank Low Balance Fee- How is it paid?
Replies: 26
Views: 3557

Re: HSA Bank Low Balance Fee- How is it paid?

I have an HSA account with HSA Bank. They deduct the $2.50 account maintenance fee monthly. The fee waiver amount is $5000 minimum balance for the month.
by daytona084
Sun Dec 21, 2014 10:01 pm
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 2128

Re: new computer for wireless network

About a year ago I bought one of the lowest price Dell Inspiron desktops available for (quad-core Pentium) for $319... I am not a gamer but I do just about everything else. It's lightning-fast. I'm quite happy. They are even cheaper now. I suggest upgrade from the dual-core Celeron ($249)to the quad...
by daytona084
Fri Dec 19, 2014 8:19 pm
Forum: Personal Consumer Issues
Topic: Android / Windows Audio Playlist Editing
Replies: 5
Views: 1013

Re: Android / Windows Audio Playlist Editing

Yes, I have considered the option to re-tag all the files with the proper genre. I do have an mp3 tagging application, the problem is it does only one at a time. (Maybe there is one that can tag files in bulk... I haven't found it but perhaps have not looked hard enough.) One thing that I don't like...
by daytona084
Fri Dec 19, 2014 8:23 am
Forum: Personal Consumer Issues
Topic: Android / Windows Audio Playlist Editing
Replies: 5
Views: 1013

Re: Android / Windows Audio Playlist Editing

Super! That sounds exactly what I am looking for. I can spring for the $2 !
by daytona084
Thu Dec 18, 2014 9:42 pm
Forum: Personal Consumer Issues
Topic: Android / Windows Audio Playlist Editing
Replies: 5
Views: 1013

Android / Windows Audio Playlist Editing

I have a couple android devices, and a large number of audio files. The audio files are stored on my Windows PC, and after copying them to my android devices, I would like to create playlists based on (for example) genre. I find that the mp3 tags on my files include a wide range of genres that are h...
by daytona084
Mon Dec 01, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 5130

Re: A simple coffee maker

I was looking for a coffee maker, so I went to the local thrift store and picked up a Mr Coffee for about $6. Used it for a while and decided the coffee was not hot enough. So I went back and re-donated the Mr Coffee, and picked up a Braun for about the same price. I like the Braun. It has a timer, ...
by daytona084
Thu Nov 20, 2014 1:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 29
Views: 8143

Photo of November 2014 Meeting

Here we are! All are welcome to join at our next meeting!

Image

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