Search found 1009 matches

by hoops777
Sat Jan 30, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2338

Re: Buying Carpet and Painting

Just to reiterate,of course bogleheads know nothing is ever really free when buying from a business.It is so annoying to see adds saying free installation or similar.Empire Carpet advertises on tv all the time,buy one room get two free or various other combinations.I can sell you a cup of coffee for...
by hoops777
Fri Jan 29, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2338

Re: Buying Carpet and Painting

First of all I am shocked that so many bogleheads would actually believe HD and Lowe's provide free or almost free installation.The best deal you will get will be from a small mom and pop place with low overhead if you have one in your area with a good referral.The big box stores quadruple the price...
by hoops777
Sun Jan 24, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Bogleheads Real Estate Agents
Replies: 32
Views: 2875

Re: Question for Bogleheads Real Estate Agents

Here is the problem I see with realtors. An agent in say Iowa sells 10 homes this year avg.price 150,000. An agent in Ca.sells 10 houses this year avg price 750,000 Same commission rate and the Iowa agents homes probably take a lot longer to sell. I have bought 7 houses and sold 6 of them the last 1...
by hoops777
Sat Jan 23, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Bogleheads Real Estate Agents
Replies: 32
Views: 2875

Re: Question for Bogleheads Real Estate Agents

To be brutally honest,the commission to sell a house in expensive locations is ridiculous.It is not the consumers problem that there are way too many agents which creates marketing and other expenses.I f I listed my home in the bay area tomorrow it would be sold in one weekend for 700,000 and for th...
by hoops777
Fri Jan 22, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1209

Re: Rent vs buy analysis in the Bay Area (South bay)

Just do not assume that you will be able to sell it for x amount at any given time down the road.A lot of people bought houses in that price range around 2006 and saw them drop in value about 250,000.Yes it is the bay area so they will always bounce back,unless they do not or it takes 10 years.Bewar...
by hoops777
Fri Jan 22, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Bogleheads Real Estate Agents
Replies: 32
Views: 2875

Re: Question for Bogleheads Real Estate Agents

Corysold,if you had asked this forum to guess your current occupation after reading your fantastic post,which offered such sound advice,the lottery had better odds :D I own a small business and you really nailed it.
by hoops777
Wed Jan 20, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: Interesting argument by Wells Fargo guy
Replies: 25
Views: 3692

Re: Interesting argument by Wells Fargo guy

He may be right and he may be wrong.What else is new.I think we are going lower.I may be right or wrong :D
by hoops777
Sun Jan 17, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3752

Re: Does a BH play the lottery?

Nisprius you are too fixated on data and statistics.People buy because they are dreamers and hope that they can be the one in 300 million or whatever.There is no logic or reason,just a wild crazy chance to become one of the wealthiest people in the world overnight.The bigger the number the more it d...
by hoops777
Sun Jan 17, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3752

Re: Does a BH play the lottery?

As I said,maybe taking this all a bit too seriosly.Buying a few lottery tickets knowing you have a 1 in 300 million chance to win a billion dollars is not going to change your life,unless of course you win :D It can be fun talking about what you will do if you win,etc.A little fantasy time from our ...
by hoops777
Sun Jan 17, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6051

Re: Best place to live in CA for a young family

If being close to the beach is important,I also say the San Luis Obispo area is ideal.It also puts you fairly close to both the bay area and so cal.The housing is within your budget as well.
Pacifica that was mentioned does not have your typical CA weather.If you like warm,forget Pacifica area.
by hoops777
Sun Jan 17, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3752

Re: Does a BH play the lottery?

Any bh who would never play based on bh philosophy is taking all this a bit too seriously :happy
by hoops777
Sun Jan 17, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 87
Views: 8737

Re: It sure looks like a good time to invest in oil

Because something is down a lot does not mean it is cheap or a good buy,agree 100 pct.But there comes a polnt when something the entire world needs and uses everyday drops so much that it becomes a no brainer.Anyone who invests now and holds long term has history very strongly on their side.If you w...
by hoops777
Sat Jan 16, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 87
Views: 8737

Re: It sure looks like a good time to invest in oil

If oil was at 20 dollars you are not going to find people here saying it is a good idea.Regardless of that,unless the world as we know it ceases to exist,oil at 20 dollars for a long time holder is a great buy.How do I know this,common sense.The upside from that point greatly outweighs the downside ...
by hoops777
Mon Jan 11, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23555

Re: Credit Card Rewards (Travel)

Another great feature of the starwood card is they have so many airlines you can transfer to and for every 25,000 you transfer you get 5000 back,so 40,000 starpoints gets you 50,000 miles on whatever airline for the most part.
by hoops777
Mon Jan 11, 2016 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23555

Re: Credit Card Rewards (Travel)

Two responses.The southwest companion pass ,when earned is for the rest of the calender year you earned it and the following full year.I just received the business card and got the 50,000 points.Chase does not transfer the points to SWA until the closing date.I was able to get a closing date of Jan ...
by hoops777
Sun Jan 10, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23555

Re: Credit Card Rewards (Travel)

There is a website,just google the points guy.He is the expert on evaluating all point programs and sends out daily emails.The most valuable card is the starwood which is valued at 2.4 cents per dollar and has an awesome transfer option to use airline miles vs.the starwood hotels.Starwood has the be...
by hoops777
Wed Jan 06, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Best book on Bonds
Replies: 21
Views: 1239

Re: Best book on Bonds

The book mentioned by the Richelson's is very interesting and would create great controversy on this forum.The authors believe that you need zero stocks.I will leave it at that but it has changed how I invest.
by hoops777
Wed Jan 06, 2016 10:32 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 5021

Re: How is Costco's gas so cheap? (15% cheaper in my area)

Because Costco is simply the best retail store of its kind in the country.Nobody else matches what they give you in terms of quality,price,return policy and paying their employees a decent wage.
by hoops777
Tue Dec 29, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 25038

Re: What are your 2 retirement numbers?

I cannot believe how high these numbers are.Take a look at what the average 65 year old couple has in savings and compare it to what is being needed to retire on this thread.Of course there is a difference between getting by and being able to do whatever you want.
by hoops777
Sun Dec 27, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8740

Re: Bogleheads: Share how you like to vacation

The post about most of the country being the same is kind of true.We have been going on maybe 5 day trips to see a state that we have not seen.You have to appreciate the small unique local things.We want to see all 50 states and are getting close.We are then going to see the National Parks. I think ...
by hoops777
Sun Dec 27, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 12162

Re: Biggest lucky break in your personal finances?

Started my mom and pop business from scratch.Borrowed 25 k from my brother who took it out of his 401k.Paid him back by giving him all my coaching salary and all my earnings from my summer basketball camp.I continued to coach for the first 5 years of my business because my time was flexible.He was p...
by hoops777
Fri Dec 25, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Imac retina
Replies: 7
Views: 829

Re: Imac retina

Thanks.The 27 is just too big for my space.I went round and round and decided the 21.5 is more than enough for me.I am very basic with my computer skills and do not use it for any advanced stuff.It is a lot nicer than my ipad which is all I have been using :D
by hoops777
Thu Dec 24, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Imac retina
Replies: 7
Views: 829

Imac retina

Ok so I finally broke down and ordered a new Imac 21.5 with retina.My question is we have ATT uverse dsl and the router is about 6 years old.Should I get a new ac router?Thanks.
by hoops777
Sun Dec 20, 2015 3:26 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 157
Views: 9947

Re: Large Energy stocks - why not?

I think on this forum no matter how much any sector is down,you will basically get the same response.
by hoops777
Sun Dec 13, 2015 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Solar panels purchase as an inflation indexed bond
Replies: 23
Views: 1816

Re: Solar panels purchase as an inflation indexed bond

You can call it anything you like and it changes nothing.To me,I am prepaying my electric bill for the next 10 years or so,and then having little or no electric bill when I am no longer working.If PGE really raises it rates it will be a great investment.If they do not and rates stay below the level ...
by hoops777
Wed Dec 09, 2015 10:34 pm
Forum: Investing - Theory, News & General
Topic: The Real Value of Paying Off a Mortgage Early
Replies: 56
Views: 6277

Re: The Real Value of Paying Off a Mortgage Early

You can calculate until you are blue in the face.You cannot predict the market or rates,but you can have peace of mind.Everytime I think about having no mortgage it brings a smile to my face.It also makes my wife very happy.Happy happy :D
by hoops777
Sun Dec 06, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Re: Transfer photos from ipad to imac

Thanks
by hoops777
Sun Dec 06, 2015 1:51 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Re: Transfer photos from ipad to imac

Thanks Livesoft.I am trying every angle I can to not have to hear about how much it cost for the next 10 years :D
by hoops777
Sun Dec 06, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Re: Transfer photos from ipad to imac

It is not a huge deal.I was just curious about the quality of the photos when transferred to the 5k retina screen.I am actually quite happy with my ipad camera and the pics it produces,where most people who are into the finer aspects of photography would probably consider them dreadful.I was assumin...
by hoops777
Sat Dec 05, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Re: Transfer photos from ipad to imac

Thanks.The photos were a selling point in trying to convince my wife about buying the iMac.I will have to come up with a better reason :D
by hoops777
Sat Dec 05, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Re: Transfer photos from ipad to imac

My ipad which is 2 years old
by hoops777
Sat Dec 05, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Before I sign...realtor contract
Replies: 40
Views: 2268

Re: Before I sign...realtor contract

Realtors have one main objective,make money.5 pct is fair.Once you go below 2.5 for either side of the transaction,there are a lot of realtors who will not show it to their clients.You are better off hiring a neighborhood specialist and just go 5 pct. On a separate note,realtors are probably the mos...
by hoops777
Sat Dec 05, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security if you won't ever "need" it?
Replies: 50
Views: 4040

Re: When to claim Social Security if you won't ever "need" it?

I would have one take it at 62 and the higher earner at 70.
by hoops777
Sat Dec 05, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Hall of Fame
Replies: 35
Views: 3547

Re: Bogleheads Hall of Fame

I kept looking for my name until I realized it was hall of fame and not hall of shame :D
by hoops777
Sat Dec 05, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Transfer photos from ipad to imac
Replies: 11
Views: 632

Transfer photos from ipad to imac

I am thinking of buying the new 27 in imac with 5K retina display.Question,if I transfer my photos from my ipad will the quality of the photos be better on the retina display?
by hoops777
Fri Dec 04, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: AT&T changed me to Uverse without my consent
Replies: 18
Views: 2124

Re: AT&T changed me to Uverse without my consent

I love ATT.I live in the middle of a great little city in the middle of the bay area.One would never believe that my cell phone would be almost useless because of a lack of signal. I had ATT wireless and uverse for my home phone,tv and internet.A couple years ago on 2 different occasions,my uverse w...
by hoops777
Wed Dec 02, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Condo vs House
Replies: 24
Views: 2903

Re: Purchasing a Condo vs House

Homes generally appreciate more in value.The other differences are obvious so it is a personal preference as to what you feel comfortable with.A condo could also be harder to sell and you lose control over HOA related issues or a noisy neighbor living above,below or next door.There is more certainty...
by hoops777
Wed Dec 02, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: VBILX vs VBTLX for 3 fund portfolio
Replies: 21
Views: 3222

Re: VBILX vs VBTLX for 3 fund portfolio

Total bond vs VBILX.They are both excellent and nobody knows which will perform better the next 10 or 20 years.We get so caught up in miniscule differences in return that we cannot predict anyway.
by hoops777
Sat Nov 28, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz of Morningstar on RMDs
Replies: 37
Views: 4543

Re: Christine Benz of Morningstar on RMDs

I love it when people cry about their RMD related taxes forgetting about all the money they saved on taxes when investing in the IRA and the tax free growth of the invested money.
by hoops777
Thu Nov 26, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella- Almost Too Good to be True
Replies: 36
Views: 4377

Re: GEICO Umbrella- Almost Too Good to be True

Every time I have gotten a quote for auto ins from Geico it has been maybe 20 pct higher than other options.
by hoops777
Thu Nov 26, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: Do any of you use Total Market and a CD for a 50/50 portfolio?
Replies: 20
Views: 3291

Re: Do any of you use Total Market and a CD for a 50/50 portfolio?

I have mixed CDs with different intermediate bond funds.I have a large 10 yr at 3.4 along with some 7 year.My mix is yielding about 3 pct. and I am not worried about rising rates.I see all the money that has been wasted the last 5 years in short term funds because of the rising rate fear.It makes no...
by hoops777
Thu Nov 26, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: "I Don't Know, I Don't Care"
Replies: 9
Views: 2318

Re: "I Don't Know, I Don't Care"

I still think rightly or wrongly,that many people look at a market return as being average,and being average is just not in a lot of people's DNA.That was a very good article.
Have a great Thanksgiving Taylor and thanks for all your wisdom.
by hoops777
Mon Nov 16, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23555

Re: Credit Card Rewards (Travel)

Without question the most generous hotel program is Starwood.Big news today is that Marriott has just agreed to purchase them which will form the largest hotel chain in the world.How it affects the points program is unknown but I am guessing it will not be good.You will have a lot more choices but I...
by hoops777
Mon Nov 16, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me (more) about Las Vegas
Replies: 51
Views: 6196

Re: Tell me (more) about Las Vegas

Some surrounding areas you mentioned are worth seeing.The strip is a matter of personal preference.Circus Circus would not be high on my list unless you think your kids will like it.There is a nice hotel in Summerlin about 15 minutes from the strip called Element.It is modern,very clean and the room...
by hoops777
Mon Nov 16, 2015 6:44 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6855

Re: Total Bond Market - are you experiences losses currently?

I am invested in Interm term corp,interm Bond instead of total bond and GNMA.They are all down a little,but,after reinvesting all interest for the next 7 years I expect them to provide a decent amount more income at that point than they do presently.I am hoping for higher rates because in the long r...
by hoops777
Sun Nov 08, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5236

Re: Yogurt - Greek or "regular' - cost evaluation

Hongkonger...I googled BBC and yogurt and I found several references to yogurt in their good food program that were very positive so I do not know what you are talking about.The evidence of yogurt being good for you is overwhelming and it is not coming from manufacturers but nutritionists.Of course ...
by hoops777
Sat Nov 07, 2015 5:06 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5236

Re: Yogurt - Greek or "regular' - cost evaluation

The costco yogurt is 5.99 right now for 64 oz in Calif and contains no pectin as noted.I personally do not shop at Walmart for many reasons so cannot compare what they have even though there is a Walmart grocery store a half mile from my house. Costco came out with a greek yogurt a couple years ago ...
by hoops777
Fri Nov 06, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5236

Re: Yogurt - Greek or "regular' - cost evaluation

Last year Costco was sampling a new product that was oatmeal mixed with yogurt and some fruit,so cold oatmeal.It is not for everyone but I kind of liked it,so I made my own.For breakfast I now eat Kirkland greek yogurt mixed with Bob's Red Mill steel cut oatmeal also from Costco,mixed with walnuts a...
by hoops777
Thu Nov 05, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5236

Re: Yogurt - Greek or "regular' - cost evaluation

Yes the 2 tub is under $6 and is at least 64 oz.
by hoops777
Thu Nov 05, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5236

Re: Yogurt - Greek or "regular' - cost evaluation

I am in Calif and the price you have for the kirkland yogurt is not correct.The two tubs are more oz and cheaper than the Fage.I am not at home to give you exact oz but it is not even close.I you get about 20 more oz for less money than the large Fage.

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