Search found 229 matches

by iamlucky13
Fri May 26, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan?
Replies: 16
Views: 1175

Re: Pay off car loan?

If you're going to do nothing else with the cash but leave it in low interest savings, then pay it off. It's little effort, it will save a few dollars, and depending whether or not you use automatic bill pay, it will save you a bit of later effort dealing with the remaining bills. If you're otherwis...
by iamlucky13
Fri May 26, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 39
Views: 2455

Re: Septic Pumping - Did I get ripped off?

That's probably not out of line, at least not to a major degree. I've heard basically everything is expensive in NJ. I haven't had mine done for about 5 years (time to inspect it, actually), and at the time it was $375 in Washington state for 1250 gallons. You had more to pump, a few more years infl...
by iamlucky13
Fri May 26, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 37
Views: 3610

Re: Insulating Walls - Worth it?

It does seem extremely unlikely that they could have built this town home in New England within the last 30 years and not have insulated it. Like almost unfathable unlikely Why unfathomable? Some people are willing to violate far more serious laws than the energy code to get rich, and while most co...
by iamlucky13
Fri May 26, 2017 4:25 am
Forum: Personal Consumer Issues
Topic: Plumbing issue
Replies: 6
Views: 980

Re: Plumbing issue

First thought that comes to my mind: when you turn on the faucet, there will be a decrease in pressure, and when off again, an increase in pressure. Either the pex or the flex hose between the faucet and the wall fitting could be moving as a result and creating the noise.
by iamlucky13
Thu May 25, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 41
Views: 3831

Re: Suits: best bang for your buck?

One issue is that I wear a 38 Long, which means that a lot of places don't carry my size in their regular lines (retailers like J. Crew, for example). I also like slim fitting suits. I read this a couple times before I realized the 38 long was based on your stature, not the nature of your clients, ...
by iamlucky13
Thu May 25, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 21
Views: 1516

Re: Paying someone to build a website

Basic websites (either just a few pages of static information, or pre-packaged blog style on your own domain with minimal customization) are probably around $500 to have an established business do it. You can get customizable templates for less, but somebody still has to set the template up on the s...
by iamlucky13
Thu May 25, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1636

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

Is Vanguard doing this for the sake of their index funds, which I can't make sense of, or for their active funds, in which case it's potentially important information for the fund managers, both in deciding how much to invest and how to vote their shares for financial (not ideological) reasons? In t...
by iamlucky13
Thu May 25, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 41
Views: 3831

Re: Suits: best bang for your buck?

One issue is that I wear a 38 Long, which means that a lot of places don't carry my size in their regular lines (retailers like J. Crew, for example). I also like slim fitting suits. I read this a couple times before I realized the 38 long was based on your stature, not the nature of your clients, ...
by iamlucky13
Thu May 25, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 37
Views: 3610

Re: Insulating Walls - Worth it?

Thank you to everyone's comments and suggestions. The HOA rejected my request to blow in insulation from the exterior walls. I posed the option of allowing them to select the contractor and have unit owners pay out of pocket for the insulation, but it looks like that also is a no go. The walls are ...
by iamlucky13
Wed May 24, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1403

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? GE recently stepped out of this market because they were losing money. Federal energy tax credits also recently expired for these, so that hasn't helped. There may still be credits available in your state though. New fed energy regs have ac...
by iamlucky13
Tue May 23, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4397

Re: At what point to buy new car for safety

The skill is in driving so as not to lose traction in the first place. The problem is that isn't possible. If you are driving on a highway with ice/rain, you run the risk of hydroplaning or sliding. It is unavoidable. Driving slower makes it more recoverable but you are still losing traction. It is...
by iamlucky13
Tue May 23, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 37
Views: 3852

Re: Is it worth it spending money to keep your house looking sharp?

I've just paid for a few big ticket items around the house, and the bills are sitting in front of me. I'm a little bummed at the thought of having to pay for them. I'm just pondering...do you think the money spent to keep a house looking sharp is money well spent? For many people yes, but it sounds...
by iamlucky13
Tue May 23, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Help choose company service gift [choice made!]
Replies: 32
Views: 1988

Re: Help choose company service gift

If you're going to get a smart phone, the iPod touch will be superfluous. My wife has both a smartphone and an iPod nano, but that's because she prefers the smaller size of the nano for running. Others are content with a smartphone and a nice armband or other carrier for running music. Since the Tou...
by iamlucky13
Tue May 23, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help Figuring Out Asset Allocation
Replies: 7
Views: 559

Re: Help Figuring Out Asset Allocation

The basics are pretty well covered by others. 80-90% stocks is a common recommendation for people a long time from retirement who are confident they can resist the temptation to sell off during a downtown. Some of us even hold 100% stocks until within 30 years of retirement. I want to add that the m...
by iamlucky13
Tue May 23, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1106

Re: Pimco BOND - other Vanguard similar funds or ?

Thanks all - for the info and learning.... This is a part of my bond AA, as I have a heavy 80% equity slice, and I keep trying to add more to the bond side - - for ballast being the main reason - for the next financial downturn and abyss - for future fixed income So - keep adding to Wellesley, but ...
by iamlucky13
Tue May 23, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4397

Re: At what point to buy new car for safety

People don't drive like idiots when they are given safer cars. They keep on driving the same way they always have (and yes people have always driven like idiots). And this is a big part of my point. Even people who don't drive like genuine idiots usually have numerous ways they can improve their dr...
by iamlucky13
Tue May 23, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1106

Re: Pimco BOND - other Vanguard similar funds or ?

That is an awkward ticker signal, huh? Morningstar says 5.77 years effective duration, 8.34 years effective maturity, 0.55% ER http://www.morningstar.com/etfs/arcx/bond/quote.html Their latest analysis (as of March) also seems to indicate its managers are going to make it more active and, I think, s...
by iamlucky13
Tue May 23, 2017 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 74
Views: 7505

Re: Zacks says sell Wellesley!?

Did Zack say whether his reason is because his investment strategy changed, or because the fund itself changed? Oh, right. It's based on short term trends being tracked by a company with a financial interest in getting you worried enough about short term trends you'll subscribe to their reports or h...
by iamlucky13
Tue May 23, 2017 1:20 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4397

Re: At what point to buy new car for safety

I think you are a bit delusional if you think that driving skill is a replacement for VSC. People just aren't that good at reacting to sudden changes from loss of traction. And you probably have 1/3 the number of airbags of a modern car. Get hit on the side or something where the knee bags matter a...
by iamlucky13
Mon May 22, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4397

Re: At what point to buy new car for safety

Airbags became mandatory in 1997. Can you see the impact on the graph? Electronic Stability control became mandatory in 2012, can you see that on the graph? I didn't think so. I believe your logic is off here. It's not like that right in 1997 every car had airbags or that in 2012 every car on the r...
by iamlucky13
Mon May 22, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Luxury Vinyl: Educate Me
Replies: 15
Views: 2113

Re: Luxury Vinyl: Educate Me

I like the look, feel, and sound of laminate better. However, in a basement, I think I'd probably go with luxury vinyl flooring to avoid possible water issues. This is what I have installed in the living room and dinning room. http://www.usfloorsllc.com/product-category/coretec-plus/coretec-plus-hd/...
by iamlucky13
Mon May 22, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: To auto loan or not to auto loan?
Replies: 23
Views: 1325

Re: To auto loan or not to auto loan?

Car manufacturers offer a better rate. why go through Bank of America? . My dad was always able to negotiate a sales price, then get an additional discount for not relying on the manufacturer financing (which they obviously have to make up for the low rate on somewhere, which means the sales price)...
by iamlucky13
Mon May 22, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: What to do w/ $60k Lump Sum?
Replies: 33
Views: 2228

Re: What to do w/ $60k Lump Sum?

For me, cash flow is King. Prioritizing cash flow provides near term flexibility, but it does not look to me like the way to maximize long term financial condition. I concur with metrunt. You can't get 8.2% (give or take) guaranteed return anywhere. As long as you have a comfortable emergency fund ...
by iamlucky13
Mon May 22, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 25
Views: 2253

Re: Firefox painfully slow

Are you using Firefox's included PDF viewer, or did you figure out a convenient work-around to their dropping plug-in support? No. I use either Mac Preview or Adobe Acrobat. Interesting. Are you on Firefox 53? I know Firefox added the built-in viewer quite a while ago, but I switched it back to usi...
by iamlucky13
Mon May 22, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1674

Re: Vehicle recommendation for large family

Thanks for the feedback everyone! After hearing what people are saying, I'm leaning more towards just getting a sedan for me to drive around town (actually I'd love to get a Nissan Leaf), and using the minivan for trips. We take a yearly trip with my side of the family and have been able to make a ...
by iamlucky13
Mon May 22, 2017 1:45 am
Forum: Personal Consumer Issues
Topic: Lawyers charging for asking about fees
Replies: 62
Views: 7277

Re: Lawyers charging for asking about fees

If the question about fees was actually about expected fees related to a specific action, which requires some consideration of the details in order to determine how much work the case will likely entail, it quite possibly was treated as an initial consultation. It is quite common, as far as I know, ...
by iamlucky13
Mon May 22, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 25
Views: 2253

Re: Firefox painfully slow

Anyways, I haven't noticed any Firefox slowdowns. Maybe all the sites you visit have lots of ads served up? Use an AdBlocker and see what happens, too. Are you using Firefox's included PDF viewer, or did you figure out a convenient work-around to their dropping plug-in support? I've had terrible ex...
by iamlucky13
Mon May 22, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4397

Re: At what point to buy new car for safety

The overall driver death rate for all 2011 and equivalent models during 2009-12 was 28 deaths per million registered vehicle years. The overall driver death rate for all 2002 and equivalent models during 2000-03 was 87 deaths per million registered vehicle years. http://www.iihs.org/iihs/topics/dri...
by iamlucky13
Fri May 19, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3617

Re: Anyone else track the value of their investments by discounting the value of equities?

Not quite like that, but I like the suggestion and may periodically do so in the future, at least for my taxable account, which I would more likely have cause to rely on in the future (25+ years from retirement). Part of what I consider my emergency fund is in intermediate bonds, and I've looked at ...
by iamlucky13
Fri May 19, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3039

Re: What are the powers of HR in a company?

As I mentioned before, I too, am in HR/Recruiting. And while I agree with your points 1 and 2 above, I think the rest of the advice makes it seem like HR is to be treated like the enemy and I don't think that is a good strategy. I feel like a middle ground can be found between HR=Friends and HR=Ene...
by iamlucky13
Fri May 19, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2220

Re: Few days in Portland in July

Portland is a quirky city. If you want a low key exposure to it combined with knick knack shopping and a nice river stroll, visit the Saturday market on the waterfront and have lunch from one of the vendors there, or from the food carts elsewhere in the city. If you end up needing a late night snack...
by iamlucky13
Tue May 09, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Renting correct size car
Replies: 31
Views: 2162

Re: Renting correct size car

I've generally used Expedia or Priceline and gotten pricing I'm pretty happy with. Be aware that most rental companies do not quote price on a specific car model, but on a car class. So I'm betting the quote actually says "Chrysler 200 (or similar midsize sedan)." Choose "minivan"...
by iamlucky13
Tue May 09, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4314

Re: What newspaper or magazine do you pay for?

Currently, I only subscribe to the local paper. I started a couple years ago, once I started to recognize the local paper was reporting in depth about topics the rest of the media world would never write more than a short blurb about, if they even noticed at all. The Associated Press doesn't care ab...
by iamlucky13
Mon May 08, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Replacing residential HVAC system, Mesa Arizona
Replies: 19
Views: 1336

Re: Replacing residential HVAC system, Mesa Arizona

SEER isn't about size, but efficiency, so it's not a matter of overkill, but of payback. This is kind of a semi-wild guess, but I suspect a 16 SEER unit would save in the ballpark of 500 kWh per year compared to a 14 SEER unit - reality could be half that or twice that. Use your local electrical rat...
by iamlucky13
Mon May 08, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1228

Re: Seattle and Vancouver with kids

Having never needed to stay in a hotel in Seattle, I will have to leave suggestions for that to others, but I would say probably not near the airport unless you need to stick to a careful budget. I was fascinated by airplanes even by the age of 5. Had I done a trip like this at that age, the Museum ...
by iamlucky13
Thu May 04, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 2886

Re: Consumer Reports

I find Consumer Reports essentially useless in today's modern era. In a world where information is literally at your fingertips everywhere you go, and reviews of products by users abound, consumer reports always lags the field. There's so much bad info to sort through, though, especially now that p...
by iamlucky13
Thu May 04, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Amazon shipment "stuck" at UPS distribution
Replies: 22
Views: 2218

Re: Amazon shipment "stuck" at UPS distribution

Item was 15.99. I found it locally for 25; not worth the extra money to me. It has free return on Amazon so I ordered another just now. Might order a few and return if not needed or if they ever find the first one. If you really need like you said, pay the extra $9. Since you don't really need it, ...
by iamlucky13
Thu May 04, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 2886

Re: Consumer Reports

The Wire Cutter and Sweet Home are both pretty handy The purpose of both of those sites are to earn revenue for The New York Times Company through affiliate links to sites like Amazon and similar means. Consumer Reports is a nonprofit organization with decades of experience in testing consumer prod...
by iamlucky13
Thu May 04, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 2886

Re: Consumer Reports

Wirecutter has a great car section. It isn't updated often, but it has excellent write-ups. Great resource (along with their sister site, the Sweethome) for reviews on a lot of things, actually. The Wire Cutter and Sweet Home are both pretty handy, but I've noticed their focus on making a single re...
by iamlucky13
Thu May 04, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Road trip to western states
Replies: 38
Views: 2009

Re: Road trip to western states

The West is immense and you're not going to see it all unless you're taking something like a sabbatical for this road trip. My wife and I have done a number of road trips out that way and we've barely scratched the surface. You'd be better served by picking a smaller region and focusing on it. As o...
by iamlucky13
Thu May 04, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 2886

Re: Consumer Reports

I like their $7 month-to-month online option when we're considering a major purchase, although we have access through our library, too. Their reviews are not perfect, but they almost always have some useful information that you often don't find elsewhere. There are some instances of myopia, like the...
by iamlucky13
Thu May 04, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Treating Water with Chlorine or Iodine
Replies: 10
Views: 817

Re: Treating Water with Chlorine or Iodine

If you store water already chlorinated by a municipal water supplier, it has the right amount of chlorine in it. For purified water, use 1/8 to 1/4 tsp per gallon. Source: https://jvwcd.org/water/emergency My understanding is reverse osmosis does not remove chlorine, but the activated carbon filters...
by iamlucky13
Wed May 03, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4240

Re: Increasing correlation between US and international equities

Nate79 wrote:10 years is an almost meaningless time period.


I agree, but would you go the much bigger step further and argue it is unlikely that correlation would increase as globalization does?
by iamlucky13
Wed May 03, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead Guide to Buying Individual Stocks
Replies: 85
Views: 6650

Re: A Boglehead Guide to Buying Individual Stocks

I'm not sure I'd call it a Boglehead guide. I think of buying individual stocks as distinctly non-Boglehead. That doesn't mean illegitimate. You can accept Bogle's philosophy without being held to any kind of loyalty pledge to enact it 100%. Be reasonable, just like you'd be reasonable about buying ...
by iamlucky13
Wed May 03, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3287

Re: HOA vs No-HOA

Over the last 35 years I have lived in mid to upper end subdivision HOA neighborhoods. While I agree that the HOA rules and regs can sometimes be annoying, over the long term, at least for my family and how we want to live, an HOA governed neighborhood tends to be a more pleasant, safer place to li...
by iamlucky13
Wed May 03, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 3878

Re: Buying first home with old hvac

^^ good summary. I'm stunned by folks questioning the ethics of renogotiating after an inspection. The contingency is there so that the buyer can conduct due diligence. I have seen renegotiation after inspection to replace worn carpet, reside a house, and painting--with both parties satisfied. Sure...
by iamlucky13
Wed May 03, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3287

Re: HOA vs No-HOA

The deteriorating car(s) up on blocks for 4 years because "I'm working on it (them)" is a little harder to disguise from prospective buyers. And much more of a turn-off. Don't ask me how I know. Actually, I finally sold the house when -I kid you not - the offending neighbor moved the car ...
by iamlucky13
Wed May 03, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 3878

Re: Buying first home with old hvac

Most inspectors are part of a trade group called InterNACHI. You can look that up and find lots of detail about how inspections are done. That group has an online inspection reference that is also a great tool to keep bookmarked as a homeowner, you can use it to diagnose a lot of issues on your own...
by iamlucky13
Tue May 02, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 3878

Re: Buying first home with old hvac

That would be an inspection, and the average homeowner most certainly does not know how a given manfacturer has encoded dates in serial numbers or behind what cover something with a date might be, nor even what a typical heating system life expectancy is. Unless you buy sight unseen, you make a vis...
by iamlucky13
Tue May 02, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3287

Re: HOA vs No-HOA

If the house is not under HOA, there is a possibility that the house value might go down if my neighbor decided not to maintain their lawn for months. How to approach this? You could consider how much less you'd be willing to pay if you were looking at a house where the neighbor's lawn was unkept o...

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