Search found 133 matches

by tooluser
Sat Aug 19, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 45
Views: 2690

Re: Kitchen knife set. Good quality - Recommendations

Seriously consider buying exactly the knives you need, regardless of manufacturer. You can buy the block, sharpener, and a pair scissors separately too. There is something satisfying about wielding good tools of identical, high quality manufacture - think Snap-On or Craftsman wrenches. Familiarity. ...
by tooluser
Fri Aug 11, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3895

Re: Do I really need a trust?

I am single in California and have a trust to protect my non-beneficiary assets from what I consider to be a predatory government. The money my estate will save in probate costs will allow my heirs to send my ashes to the stars. Weird maybe, but it works for me as justification of the cost. Make you...
by tooluser
Sat Aug 05, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 5860

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

When might expenses go to zero as a matter of standard practice in the industry? What will the average investor give up to get that cost? I always expect to pay for a service. If not monetary, you are paying in some other way. Exactly. Referencing other replies as well, I'm intrigued by why funds c...
by tooluser
Sat Aug 05, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8150

Re: LED light bulbs

So I did the math! I catalogued all the lightbulbs on my property by number, type, and wattage. I excluded bulbs in appliances since they are not used enough to make much of a difference. I also excluded bulbs in fixtures that would need to be changed if I changed the bulb type, since that would mak...
by tooluser
Fri Aug 04, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 5860

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

When might expenses go to zero as a matter of standard practice in the industry?
What will the average investor give up to get that cost?
by tooluser
Thu Aug 03, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 8150

Re: LED light bulbs

I haven't done a detailed analysis, but my electric bill does not seem to be high enough to make higher efficiency anything worthwhile. Too long a payback period. Years ago I switched to mainly compact fluorescents, due to the lesser heat load when I did not have air conditioning. I don't like their...
by tooluser
Tue Aug 01, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3760

Re: Best Vanguard account

When do you need the money? What asset allocation (stocks/bonds percentage) would you like to support that timeframe, given your need, ability, and willingness to tolerate the risk of loss of principal? - Wellington is approximately 65/35 percent stocks/bonds. - Lifestrategy Moderate is 60/40. - Tar...
by tooluser
Wed Jul 26, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17839

Re: How are folks handling the unprecedented rise in the market ?

The market is still up.
Did you have the Block Party yet? (That's a metaphor, by the way.)
Take a little off the top. Enjoy. This is what good times are for.
by tooluser
Wed Jul 26, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8055

Re: Should you wait until the due date to pay credit card balance?

I pay it off shortly after receiving the statement. I want to get it off my To Do list and not have to think about it. The float is real but trivial to me, especially with interest rates so low (or possibly zero in a checking account). But...when I was younger and funds were very tight, once a month...
by tooluser
Mon Jul 24, 2017 10:03 pm
Forum: Investing - Theory, News & General
Topic: "At Midyear, Vanguard on Pace to Break 2016 Inflows"
Replies: 6
Views: 825

Re: "At Midyear, Vanguard on Pace to Break 2016 Inflows"

Iliketoridemybike wrote:I wonder what happens in a falling market when index ETF's outpace managed in declines.

Has this historically been true?
by tooluser
Mon Jul 24, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: "If You Can"-style Rebalancing
Replies: 14
Views: 1688

Re: "If You Can"-style Rebalancing

jjface wrote:...don't be too precise about it all!!

Yes, "close" or "in the direction of goodness" is good enough.
It's all going to move around again the very next trading day.
by tooluser
Mon Jul 24, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2682

Re: Lifetime Tire Alignment

There is no tire alignment. What firestone is offering is wheel alignment. Shops do offer lifetime tires rebalance which last until you replace them with new ones. Wheel alignment stays with the life of the car (shops use VIN to track). I do have lifetime wheel alignment on my car and it paid off t...
by tooluser
Mon Jul 24, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11993

Re: Books not to read.

Rama II, "by Arthur C Clarke", but actually written by someone else. After 100 pages of exposition with zero plot advancement, I had to resign it to the trash heap. "Heck no!" to donating it. Why extend the misery to someone else? Yet the first book was so intriguing - that one c...
by tooluser
Sat Jul 22, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2765

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

At 21 years old I would replace both units, same as with washer/dryer or kitchen appliances (though those don't tend to come in pairs). You've gotten value from them. However, if I personally did not use the AC I would probably skip it and not worry about resale. Additional items to consider: - If y...
by tooluser
Fri Jul 21, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4067

Re: Flying first class/ business......

By "upgrade" did you mean buy a coach ticket and upgrade from there? Or to upgrade your seats by buying business or first class seats in the first place? I am of large stature so I always fly business or first class. I physically cannot fit in a coach seat. I want a guarantee that I will g...
by tooluser
Sun Jul 16, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 41
Views: 2860

Re: california homeowners - do you have earthquake insurance?

I live in Los Angeles (many years, having experienced several big earthquakes so far) and came to the conclusion that I still do not require it, despite the improvements in the last few years. The very high deductible makes it very unattractive to me. Most of the value of property here is in the lan...
by tooluser
Sun Jul 16, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17839

Re: How are folks handling the unprecedented rise in the market ?

Don't forget the block party! Really, you won't regret it. Get out there and have a good time.

Then, this fall, roll up your sleeves and do something very meaningful and which may not be as fun, but you know needs doing.

Put all your resources to good use.
Live! This is what good times are for!
by tooluser
Fri Jul 14, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17839

Re: How are folks handling the unprecedented rise in the market ?

I think you should ask your neighbors if they would like to help you plan a block party for later in the summer. What a fun time you would all have!
by tooluser
Sat Jul 08, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4117

Re: What to wear for job interview - skip the tie?

Grandpa's words of wisdom: Always dress for the job interview two levels higher than the one you're applying for. A friend in high school took this advice and went to a big box hardware store for a seasonal interview. He was literally pulled out of a line, given an interview, hired on the spot, and...
by tooluser
Sat Jul 08, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10243

Re: Last 80 minutes of my career

This is true. The fastest paycheck I ever received from Megacorp was when I retired. I think I received it the next business day. My company's payday has been on Thursday for just about forever. Paper paychecks were delivered to employees on Thursday morning. But if you had direct deposit the money...
by tooluser
Sat Jul 08, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66518

Re: Bank of America/Merrill Edge - Preferred Rewards

triceratop wrote:Has anyone qualified for and used the Level Ii quotes that Merrill offers?

This doesn't directly answer your question, but TD Ameritrade offers Level II quotes to all non-professional accounts.

https://www.tdameritrade.com/tools-and-platforms.page
(Table about 2/3 down the page.)

And here I am trying to move some things to Merrill Edge... :)
by tooluser
Sun Jul 02, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: sleep number bed vs. platform bed
Replies: 6
Views: 1080

Re: sleep number bed vs. platform bed

I wasn't going to reply since I haven't bought a new bed in years, but I may be in the market soon. This guy seems to know what he is talking about, and boy is there a lot to read: m - Buy a high quality, CertiPur-approved, 1-sided hybrid latex innerspring mattress and put it on a platform or founda...
by tooluser
Thu Jun 29, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2894

Re: Amazon Echo vs. Google Home: which to get?

The Echo is in my bathroom off the master bedroom. I bought it for $99 when it first came out. I can play talk radio, podcasts, or music, and change channels without using my hands. The sound quality is good. I can play trivia games, have it tell jokes, look up very basic information, or read me the...
by tooluser
Sun Jun 18, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 378
Views: 66518

Re: Bank of America/Merrill Edge - Preferred Rewards

Any idea whether/when the Merrill Edge signup bonus will increase to $1000 as it has done in the past? Is there a historical time frame?
by tooluser
Sun Jun 18, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1220

Re: Exterior Home Improvements - Order of Operations?

Thanks for the inputs! I have a little more to think about now.
Prioritization based on need, potential for mess, then desires.
Don't worry too much about tying it all together at once.
by tooluser
Sat Jun 17, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1220

Exterior Home Improvements - Order of Operations?

I'd like to get several things done with the outside of the house: (I am in Los Angeles) 1) New driveway/paving 2) Replace concrete patio with deck and add retractable awning 3) Add outside electrical - outlets and light fixtures 4) New windows 5) Paint exterior 6) New landscaping I'm thinking that'...
by tooluser
Tue May 23, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Identify theft inusrance coverage - worth it?
Replies: 10
Views: 882

Re: Identify theft inusrance coverage - worth it?

My homeowner's insurance has it "included", as do a few "there was a massive data breach so we will provide you some protection for a couple of years" organizations. I would not pay extra for that alone. How many notarizations do you need a year? You can usually find those for fr...
by tooluser
Sat May 20, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1510

Re: Vanguard makes an impact in the England market

dougger5 wrote:Ah, my mistake. Followed a link that was posted earlier. Corrected, I stand :beer


You're a good person.

I'd be interested in knowing the purpose of the 0.15% fee. Is it necessary to make a reasonable profit? Is it in line with or less than the customary charges in the market there?
by tooluser
Tue May 09, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 4294

Re: Young professional planning for early semi-retirement

The best investment you can make early on is to work like mad, be smart about it (study and learn outside of work), and push yourself to succeed at ever higher levels of skill and connection. Throw yourself into it and enjoy - there is great satisfaction in a job well and truly done. Get your salary...
by tooluser
Fri Apr 28, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 12045

Re: Vanguard has switched to brokerage only accounts

For difficult customer service issues, I have always had better (and very good) luck writing a physical letter to the CEO, than in complaining to Customer Service. I have not had to do so for Vanguard. If you calmly and briefly lay out your concerns, you will almost certainly get a reply, at least k...
by tooluser
Wed Apr 26, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 12045

Re: Vanguard has switched to brokerage only accounts

This thread comes up every few months for the past few years at least. For what it's worth, I have four different mutual fund accounts with Vanguard (3 variations of tax-deferred, plus 1 taxable), and have not yet been asked to switch to a brokerage account. The oldest account is about 20 years old....
by tooluser
Sat Apr 22, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5938

Re: Six pack for barbecue?

A 6-pack means bottled beers. or cans Take one of the cans out of the six pack and stick it in your back pocket or hide it before you enter. Walk in holding the five pack by the empty plastic loop and they will think you drank the other beer on the way over. Many laughs. You could also take a coupl...
by tooluser
Sat Apr 15, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: 2017 Boglehead Contest Charts
Replies: 11
Views: 1350

Re: 2017 Boglehead Contest Charts

Thank you to those who are administering the contest! It is a solemn, forlorn, and pecuniary duty that dashes the hopes of so many upon the rocky shoreline of unfulfilled expectations. But the sea air is refreshing, and as the albatross drops from one's neck, one may endeavor to build upon your effo...
by tooluser
Wed Apr 05, 2017 8:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 28937

Re: Your USER NAME...what does it mean?

Pretty obvious if you combine it with my avatar.
At a deeper level, the two are meant to evoke the spark of investing consciousness that this site provided to me.
And I continue to evolve.
by tooluser
Tue Apr 04, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3034

Re: Buying House with Odor (not cigarette)

Truth is stranger than fiction. Who knows what the smell is? Are you sure you want to find out? Not related to the above, when buying my current house I learned several times and at some cost that your first reactions are typically correct for you. I ended buying other houses. Trust your instincts. ...
by tooluser
Sun Apr 02, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for less than the value of the home
Replies: 17
Views: 2558

Re: Mortgage for less than the value of the home

There's a minimum amount below which some lenders will not make the loan. Google "minimum mortgage amount" and you may find some useful information. I have also found this site to be excellent in its advice: m I have no connection other than having used it for my own mortgage and refinance...
by tooluser
Sat Apr 01, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Help me respond to an angry insurance agent!
Replies: 38
Views: 4625

Re: Help me respond to an angry insurance agent!

"Best of luck to you."

He or she is done with you, and you can now be done with them. Water off a duck's back.

A better salesperson would set up for a future sale, not cut off a potential client.
by tooluser
Sat Apr 01, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7904

Re: Is anyone decreasing % of bonds this year?

After the bell, I guess I seem to be getting older faster than new investment theories are proven "correct". (And I've seen a few now.) So I will be sticking to my rising bond percentage as I get closer to retirement. Starting from 80/20 (stocks/bonds) I'm increasing bond percentage 2% a y...
by tooluser
Mon Mar 27, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7301

Re: Weathering sell-off days like today

"I think what our insightful young friend is saying is that we welcome the inevitable seasons of nature, but we're upset by the seasons of our economy."
by tooluser
Mon Mar 27, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7301

Re: Weathering sell-off days like today

IMHO funds are like fruit trees and the portfolio is an orchard of diverse fruit bearing trees. I matters not what the current price of fruit trees is. What matters is that the diverse trees in my orchard continue to bear fruit and accept that sometime they will bear more fruit than at other times....
by tooluser
Tue Mar 14, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle portfolio while living off investments?
Replies: 11
Views: 1255

Re: How to handle portfolio while living off investments?

2/3? What do you do with the other third? :confused
(It's good practice to spell out your shorthand the first time you use it.)
by tooluser
Sun Mar 12, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 8236

Re: Climate and happiness revisited

This was incredibly important during my own job search. I ended up taking a lower paying job in an area with great weather and interesting geography because I like doing stuff outside on the weekends. Totally worth the sacrifice in salary. Isn't it funny how different people are? I've looked at mov...
by tooluser
Sun Mar 05, 2017 2:16 am
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4750

Re: The Joys Of Tax Season! :(

Putting everything tax-related into a an expandable file, and years of experience with the contents, makes it a joy. A place for everything and everything in its place. Until you need to figure AMT. I can't imagine how anyone on the government side could possibly defend the AMT as comprehensible to ...
by tooluser
Tue Feb 21, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 18367

Re: Why do you go to restaurants?

"De gustibus non est disputandum" is apparently not at all true! m Food and eating are a multidimensional issue that few people agree on, and yet there are certain themes out there that lend well and profitably to restaurant fare, home cooking, snacking, health foods, weekdays, weekends, e...
by tooluser
Mon Feb 13, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 18367

Re: Why do you go to restaurants?

Let's say I would like to eat a breakfast burrito. Breakfast burritos near me are composed of a large flour tortilla, scrambled eggs, hash browns, bacon, cheese, and salsa. At a restaurant I order it and it arrives shortly thereafter piping hot and delicious. There is no cleanup. When I am done, I a...
by tooluser
Tue Feb 07, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 280
Views: 45958

Re:

I read Dale Carnegie's "How to Win Friends and Influence People" from an old copy I picked up at a garage sale. Unlike others I did not care for this book. It seemed to advocate being phony regardless of the truth. Tell people what they want to hear. Give false compliments. Do this to get...
by tooluser
Sun Feb 05, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine or Online
Replies: 15
Views: 1815

Re: Consumer Reports Magazine or Online

I like this site: m, to which I have no affiliation other than using it. They review products by examining many other online reviews, and putting together a well thought out narrative, rather than testing things firsthand like Consumer Reports. Seems to work - I've yet to make a bad purchase based o...
by tooluser
Fri Feb 03, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 5351

Re: GF has long commute, should we buy a house to avoid long commute?

My commute trade-off: Crime rate, pollution of all types, cost, and housing density are 1/2 to 2/3 less if I live an hour away from work instead of 15 minutes. And I'm still in an urban area. Life in the big city. The commute is the only downside.
by tooluser
Fri Feb 03, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 5913

Re: Robocalls! -- current best call blocker?

Another nomorobo recommendation here. I checked call logs the first couple of months to see how effective it was for me. 95% or better blocking for a VOIP landline, at no charge. Seems to be working even better now, I almost never get a junk voicemail that the robots sometimes used to leave. I don't...