Search found 238 matches

by misterno
Fri Apr 21, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 64
Views: 5069

Re: Removing a tree - expensive!!!

We have an old Silver maple that needs to be removed. It is still alive, but not "healthy". It is the last of three still standing, where the other two from when we bought the house 38 years ago have fallen down. I suspect that this remaining tree may be suffering from the same sort of in...
by misterno
Fri Apr 14, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

never heard that low before I am hoping that you are not mixing deductible with OPM Just curious what industry what type of company you are in? 3K is really low for OPM No mixing is occurring. My deductible is $250 and my OPM is $3000. Without giving too much identifying info, I'm at one of the top...
by misterno
Fri Apr 14, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

[quote="misterno"]never heard that low before

I am hoping that you are not mixing deductible with OPM

Just curious what industry what type of company you are in?

3K is really low for OPM
by misterno
Fri Apr 14, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

never heard that low before

I am hoping that you are not mixing deductible with OPM[/quote]
by misterno
Fri Apr 14, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

GraduateStudent wrote:
misterno wrote: What is your OPM?


$3000, which seems to be within a few dollars of what we will pay.

never heard that low before

I am hoping that you are not mixing deductible with OPM
by misterno
Fri Apr 14, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1564

Re: How to avoid heath care surprises?

Our first child was just born two months ago :D Mom and child are healthy and dad and mom are tired. I've been surprised how opaque our healthcare charges from the delivery have been. We get bills in the mail that say something along the lines of: Total costs: $20k Insurance pays: $10k You pay: $1k...
by misterno
Thu Apr 13, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 587

Re: Which concentrated roach killer is the best?

I have been using Bengal spray for well over 20 years and it is case closed on all roaches in the house. The big german cockroaches that come into the house after a hard rain take longer to die but they can fly too. Pay the extra pemium..... you mean Bengal gold? I agree but I can not find the conc...
by misterno
Thu Apr 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 587

Re: Which concentrated roach killer is the best?

goblue100 wrote:Not a spray, but boric acid under the fridge and dishwasher, and in the weep holes for long term control.
http://www.copperbrite.com/roach.html


thanks but I am trying to spray from outside. Spraying around windows from outside

When I spray like that, it gives me 3-4 days of bugfree life
by misterno
Thu Apr 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 587

Re: Which concentrated roach killer is the best?

I buy Bifen XTS from Amazon, mix it up myself in a 1 gallon garden sprayer at about double the recommended concentration, and soak the perimeter of the house and crawl space every few months. For indoors, I use Bifen IT which is the water based version. This stuff kills everything. I checked the pr...
by misterno
Thu Apr 13, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1148

Re: Affordable cellphone with the best camera possible

32GB Apple iPhone SE is $200 https://slickdeals.net/f/10026504-32gb-apple-iphone-se-at-t-prepaid-gophone-space-gray-200-free-shipping 32GB Apple iPhone 6 is $200 https://slickdeals.net/f/10041900-32gb-apple-iphone-6-boost-mobile-prepaid-smartphone-space-gray-200-free-shipping?page=2#comments I guess...
by misterno
Thu Apr 13, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 587

Which concentrated roach killer is the best?

Summer just started and I keep seeing these bugs in my house. All windows are closed but if the weather is nice we open them and sometimes forget it overnight. There is a mosquito screener in each of them but somehow bugs are coming in So far, Bengal gold from walmart is working perfectly. But it is...
by misterno
Wed Apr 12, 2017 2:27 pm
Forum: Forum Issues and Administration
Topic: I want to be notified everytime there is a new topic
Replies: 1
Views: 486

I want to be notified everytime there is a new topic

Is it possible to receive a link every time someone opens a new topic?

not replies just the first time a topic is created
by misterno
Wed Apr 12, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1148

Affordable cellphone with the best camera possible

My son keeps dropping my wife's phone which is HTC One M7. We need to get a new one So this time I wanted to get something that has better camera. After researching alittle, I found that the pixel number is useless rather the size of the sensor on the cellphone is determining the quality of the phot...
by misterno
Tue Apr 11, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard leaves crumbs for active fund managers
Replies: 26
Views: 3911

Re: Vanguard leaves crumbs for active fund managers

...How is Vanguard owning 40% of shares and voting rights in most major companies any better than having the state owning 40% of shares and voting rights in most public companies in many foreign markets?... It wouldn't be, but it doesn't. I'm not sure where you got 40%. To begin with, I believe tha...
by misterno
Mon Apr 10, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6395

Re: Death of retail/malls to affect REITs?

18 large retailers besides jc penney are closing stores https://www.thestreet.com/slideshow/14015070/1/5-other-big-retailers-besides-j-c-penney-closing-a-good-amount-of-stores.html Interestingly all these companies are for mid to high level customers Dollar stores Fallas Parades 99 cents only Dollar...
by misterno
Mon Apr 10, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6395

Re: Death of retail/malls to affect REITs?

Amazon needs to buy property for data centers and distribution hubs. Oh, look! There's a nice empty mall over there at a cheap price. :) They need data centers and distribution hubs but they do not need to be close to cities or population. They can be in the middle of nowhere so they will not buy t...
by misterno
Mon Apr 10, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Website to compare corporate bonds?
Replies: 3
Views: 256

Website to compare corporate bonds?

I am trying to find a website where I can compare corporate bonds / dividends with their return and rating. I would expect to see lower rating pays more interest but more risk but then there are thousands of them out there how do I compare them? I found out this company ENGIE.PA and their rating is ...
by misterno
Mon Apr 10, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 1944

Re: Buying high yielding Bonds 5-10%

Dottie57 wrote:Take a look at this from frontier

http://investor.frontier.com/bond.cfm

Doesn't look good.


just my 12 cents

if the rating and/or outlook not promising you would buy short term bonds? Does that make sense?

Short term to reduce risk
by misterno
Mon Apr 10, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6395

Re: Death of retail/malls to affect REITs?

I find that many people are making too big of a deal about e-commerce and its impact on physical retailing. At this moment, 91.7% of all retail dollars flow through brick-and-mortar retailers. But a recent Forrester research report suggests that around 50% of all retail sales dollars are impacted b...
by misterno
Mon Apr 10, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6395

Re: Death of retail/malls to affect REITs?

The new outdoor malls in our area are packed every weekend. They are the ones that are killing the old malls, as far as I can tell. When I need to buy pants I still go to the mall. I am not convinced that Amazon is for real, either (P/E of 185). Who knows, maybe it is a "buy low" opportun...
by misterno
Wed Apr 05, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

Re: I don't understand how commercial real estate making money

You guys are only seeing a small part of the market. Retail may continue to decline but people need places to eat, recreate, work and live... always. I bet there are some smart investors out there converting that cheap retail space into apartments/offices/restaurants. I agree but man there are so m...
by misterno
Tue Apr 04, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare or Medicare
Replies: 9
Views: 837

Re: Obamacare or Medicare

You can not get medicare because you did not have enough working credits which is 40 That is incorrect. Spouses who did not work, and are therefore not eligible for Social Security, are eligible for Medicare through the spouse. OP can buy in to Medicare even if he's never worked in the US and does ...
by misterno
Tue Apr 04, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare or Medicare
Replies: 9
Views: 837

Re: Obamacare or Medicare

drawpoker wrote:
misterno wrote:You can not get medicare because you did not have enough working credits which is 40


That is incorrect. Spouses who did not work, and are therefore not eligible for Social Security, are eligible for Medicare through the spouse.


You are right, my bad
by misterno
Tue Apr 04, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare or Medicare
Replies: 9
Views: 837

Re: Obamacare or Medicare

Currently I am enrolled in Obamacare. Next year I will be eligible only to buy Medicare ( I don't have 40 points, because I came from Canada to be with my children and did not work in US). My question is: If i will continue to stay with Obamacare, because it is much chipper for me, would I be charg...
by misterno
Tue Apr 04, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare or Medicare
Replies: 9
Views: 837

Re: Obamacare or Medicare

You can not get medicare because you did not have enough working credits which is 40

You can get obamacare but it is not available thru the website. You need to contact each health insurance companies one by one. They will give you a specialized rate which will be very high due to your age.
by misterno
Mon Apr 03, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

Re: I don't understand how commercial real estate making money

I own a commercial building, but I am also the only tenant. The building is owned as an LLC while my other two businesses are S-corps. The success of the LLC depends solely on the success of my other businesses. I have thought about expanding just to get room for another tenant, but at this stage o...
by misterno
Mon Apr 03, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Young-ish bogleheads: How much (if any) social security do you expect in retirement?
Replies: 88
Views: 4214

Re: Young-ish bogleheads: How much (if any) social security do you expect in retirement?

Same here I read so many publications about Soc Sec all of which agrees on the fact that by 2024 there will be no money left in SS. This is if they do not raise the minimum age to receive benefits. My expectation is that I will receive something but the real value of what I receive will be too low d...
by misterno
Mon Apr 03, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

Re: I don't understand how commercial real estate making money

It is really strange I live in Houston and I am not in love with this city but to be honest I moved here from Boston for cost and climate reasons. If Boston is hell then Houston is heaven to me with lots of drawbacks. 2 days ago I was in a small supermarket with a restaurant in it. This was a Turkis...
by misterno
Mon Apr 03, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23435

Re: Low-earners- What is your profession?

without telling what city you are in, these numbers don't mean much

I am in Houston and make over 110K / year and wife is not working but the same money in NY city, you will be starving.

So not the same thing.
by misterno
Fri Mar 31, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

Re: I don't understand how commercial real estate making money

Rupert wrote:My FIL owns a commercial real estate firm. During the housing crash, he bought up a ton of rental houses. I think most of his income comes from those rental houses these days. Commercial is tough right now.


what is FIL?
by misterno
Fri Mar 31, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Can someone tell me what kind of investment this is?
Replies: 7
Views: 723

Re: Can someone tell me what kind of investment this is?

Why do you care? You aren't going to convince him or anyone else. These are mostly likely some annuity product the return of which is tied to indexes. But you are paying through the nose to eliminate this downside risk and guess what? There is no such thing as eliminating downside risk. The risk is...
by misterno
Fri Mar 31, 2017 2:56 pm
Forum: Forum Issues and Administration
Topic: How do I subscribe to receive postings in my email not PM?
Replies: 1
Views: 250

How do I subscribe to receive postings in my email not PM?

I subscribe to many topics but none of the replies come to my personal email, they just go to my PM in bogleheads

How do I receive them in my personal email?
by misterno
Fri Mar 31, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Can someone tell me what kind of investment this is?
Replies: 7
Views: 723

Can someone tell me what kind of investment this is?

This is a comment on yahoo.com news regarding annuities. But what kind of investments are these? Are these annuities? Just so hard to believe what he says The guy says the following; I am a pharmacist, I hold several of these "poor" choice products. One of these horrible products returned ...
by misterno
Fri Mar 31, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

Re: I don't understand how commercial real estate making money

2. its cash-flow lending, you can always continue to improve the property, get more rents out of it, and increase its value/equity, keep doing this and one day you will have 0 equity in the property even at 70 or 60% LTV, and the property will generate healthy cash flow for you I would like to know...
by misterno
Fri Mar 31, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: I don't understand how commercial real estate making money
Replies: 41
Views: 3845

I don't understand how commercial real estate making money

I live in Houston for the last 17 years and for the last 4-5 years and accelerated pace in the last 3 years, I have seen so many stores closed and never been rented by any company. This is all over the city. We have so many malls, strip malls and all and believe me go to any neighborhood poor or ric...
by misterno
Fri Mar 31, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 5499

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

Real MS is dead long time ago

Everytime there is a good MS deal, they used to kill it in 6 months now it takes them 1 month to shut down

I got so tired of shutdowns, I quit

But the credit card game and small fruit is still there but those are too small
by misterno
Wed Mar 29, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15443

Re: Tesla Model 3 or Chevy Bolt?

Some relevant quotes from a Bloomberg article published today titled "The Great Nevada Lithium Rush" From the article: Banks and consultants such as Deutsche Bank and Macquarie Research are near-unanimous in the belief that the next several years will see an increase of 60 percent to 250 ...
by misterno
Tue Mar 28, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15443

Re: Tesla Model 3 or Chevy Bolt?

Currently the best and most efficient batteries are made up of Lithium and plus another material The problem is there is not enough Lithium in the world to convert all cars to electric cars. Right now, lithium prices are 7x the price 5 years ago and keeps going up. Because there is too much demand ...
by misterno
Tue Mar 28, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 4392

Re: Toyota vs. Honda

I drive a 2009 Honda Fit and have had very few maintenance issues in the time I've owned it 92k miles. Transmission pressure sensor ($40), normal fluids and consumables. The transmission got noticeably smoother when Honda switched from ATF Z to DW-1 fluid. I had the Takata recall done on both the D...
by misterno
Mon Mar 27, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 196
Views: 15443

Re: Tesla Model 3 or Chevy Bolt?

Currently the best and most efficient batteries are made up of Lithium and plus another material The problem is there is not enough Lithium in the world to convert all cars to electric cars. Right now, lithium prices are 7x the price 5 years ago and keeps going up. Because there is too much demand a...
by misterno
Mon Mar 27, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 44
Views: 4535

Re: Buying Sunglasses

I always buy sunglasses from Ebay Never paid more than $2.00 and they are always polarized There were instances when the sunglasses I received was not polarized but ebay refunded me right away Can someone please convince me that there is a difference between $100 polarized sunglass and a $2.00 polar...
by misterno
Sun Mar 26, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5684

Re: Suspicious organic products

dm200 wrote:
Teague wrote:
misterno wrote:I understood all you said
but at the end, does organic produce less chemical traits than conventional?
Yes
See my point?

What's a "chemical trait?"


I do not understand what this means either.


sorry I meant to say chemical presence like arsenic cadmium and so on
by misterno
Wed Mar 22, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1439

Re: How do I share internet with my neighbor?

For extending WiFi range, a $60 "WiFi Range Extender" worked as advertised for me. Our house isn't all that big, and originally when my wife moved her desk and computer upstairs I was too lazy to try to put in a cable, she tried WiFi, and everything worked fine. Then she started to have p...
by misterno
Wed Mar 22, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1439

Re: How do I share internet with my neighbor?

I live in a remote area so there is a oligopoly of ISPs where I live and thus very expensive. They want $85/month for 25mb/s Luckily my brother lives across the street and the side of the house looking at my brother's house can receive his wifi signal The question is how do I distribute this to my ...
by misterno
Wed Mar 22, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How do I share internet with my neighbor?
Replies: 17
Views: 1439

How do I share internet with my neighbor?

I live in a remote area so there is a oligopoly of ISPs where I live and thus very expensive. They want $85/month for 25mb/s Luckily my brother lives across the street and the side of the house looking at my brother's house can receive his wifi signal The question is how do I distribute this to my w...
by misterno
Wed Mar 22, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5684

Re: Suspicious organic products

I hate Hawaii because I don't like to swim with sharks I love organic fruits and vegetables because at the least you are avoiding chemical sprays, pesticides and all other artificial stuff related Organic produce taste much better and not necessarily expensive. Organic brown rice is $1.50/lb, nonor...
by misterno
Tue Mar 21, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1331

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

I'm curious what household items go through batteries so fast for you all that they warrant using rechargeable batteries? We have some tv remotes. My wife has a couple pen flashlights for work. Regular old alkalines last for YEARS in these items. We buy batteries so infrequently that buying recharg...
by misterno
Mon Mar 20, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1331

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

My new purchase is all Eneloop

But here is the problem. My old rechargeable batteries are NIMH but not eneloop. So I lost the charger that came with the old batteries and I stick these old batteries to eneloop charger and it did not charge. My eneloop charger came with the batteries from Costco
by misterno
Mon Mar 20, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 5684

Re: Suspicious organic products

I hate Hawaii because I don't like to swim with sharks I love organic fruits and vegetables because at the least you are avoiding chemical sprays, pesticides and all other artificial stuff related Organic produce taste much better and not necessarily expensive. Organic brown rice is $1.50/lb, nonorg...

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