Search found 1415 matches

by Teague
Tue May 21, 2019 4:09 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 7560

Re: An Advisor Refusing To Sell Investments

Well....funds were liquidated. Client suffered a $700 market loss between Friday (promised trade date) and Monday (actual trade date). It could have just as well been a gain. If you feel that strongly you could try small claims court. Good luck. $700 is not worth the effort. It would get very techn...
by Teague
Tue May 21, 2019 3:13 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 7560

Re: An Advisor Refusing To Sell Investments

Paisley wrote:
Tue May 21, 2019 2:38 pm
Well....funds were liquidated. Client suffered a $700 market loss between Friday (promised trade date) and Monday (actual trade date).
It could have just as well been a gain. If you feel that strongly you could try small claims court. Good luck.
by Teague
Tue May 21, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1156

Re: Can a cashiers check be made out to cash?

Do you need to take possession of the equipment right then? I'd imagine the more common way for the vendor is to take an order and then ship/install it once their usual payment method has been arranged. Unless of course this is some sort of a "special" unit that "fell off a truck." Psst... hey, budd...
by Teague
Mon May 20, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return filed 4/3/19, still no refund received. How screwed am I?
Replies: 10
Views: 1181

Re: Tax return filed 4/3/19, still no refund received. How screwed am I?

You should still be within the range of normal processing times, so I don't think I'd worry too much at all.

Of course, on the other hand, it does take a certain amount of time to impanel a grand jury and present evidence, so maybe they...
Nah. Never mind.
by Teague
Sun May 19, 2019 8:04 pm
Forum: Personal Investments
Topic: Individual treasuries vs treasury funds
Replies: 19
Views: 1374

Re: Individual treasuries vs treasury funds

Not crazy at all. Individual treasuries are also subject to interest rate risk, just like the bond funds. Their value does fluctuate with changing rates. It's not obvious unless you choose to sell before maturity, but if you do then you will see the price has indeed changed if rates have changed. Th...
by Teague
Sun May 19, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3061

Re: Synthetic oil or not for very low mileage auto?

What’s the best oil to use? Ah, the million dollar question. We are an independent lab, so we don’t make recommendations. It has been our experience that oil is oil, and either petroleum or synthetic-based oil will work well for just about any engine. Come on, you’re holding out on me. I should use...
by Teague
Fri May 17, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6144

Re: Why do plumbers get paid so well?

Because their work is an essential service without which you could not live in a civilized manner. The work is hard, careers are limited by old age and injury, overhead/inventory/insurance and so on. Fresh water will not enter the house - no showers, maybe no cooking, toilet won't function, and so o...
by Teague
Fri May 17, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3061

Re: Synthetic oil or not for very low mileage auto?

^Yes, condensation is a reason to change the oil as often as the manufacturer recommends. Usually that's one year or X number of miles, whichever is first, or whenever the electronic oil monitor says so. Condensation promotes the formation of acids, which are not good for metal parts. Motor oil cont...
by Teague
Fri May 17, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3061

Re: Synthetic oil or not for very low mileage auto?

if you have a turbo DI engine, stay with synthetic with low NOACK (some kind of hi temp ash rate). Penzoil (shell) 0W30 european true synthetic. Agreed, turbo DI engines have some specific oil requirements that should be followed. The NOACK thing is a measure of volatility, and important to prevent...
by Teague
Fri May 17, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3061

Re: Synthetic oil or not for very low mileage auto?

I have a 1999 Miata and doing first oil change since purchase. It now has 13,000 miles, never had synthetic oil. I'll probably drive it less than 5k miles/year. Just purchased last July. I use synthetic oil once a year, you have to change regular oil every 3 months. That 3 month change notion comes...
by Teague
Fri May 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3061

Re: Synthetic oil or not for very low mileage auto?

Depends on the oil, but probably won't make much difference in your application. "Conventional" oils have gotten extremely good over the years. Your application is not one of extreme heat, no turbo bolted on and no track days I'm assuming. But you would want an oil that maintains its TBN, its abilit...
by Teague
Thu May 16, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 38
Views: 2755

Re: Should I replace Prius Hybrid Battery?

I have no idea who came up with the idea of deciding on repairs based on cash value of the car, but it makes no sense unless you are going to turn right around and sell it. In your case, I'd replace the battery.
by Teague
Mon May 13, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5764

Re: Car lost acceleration

My disdain is not just car mechanic it is with me having a very difficult degree in accounting, an MBA in Finance, my CPA license and I make $50 an hour, so a mechanic who doenst need a degree or plumber or electrician shouldn't make anywhere near what I make... This sounds like a guy I met at a sh...
by Teague
Sun May 12, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2061

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

It never happened to me, but my neighbor had an experience one cold December morning when something lodged halfway down his chimney. I didn't see the creature myself, and I'm not sure if he ever did get it positively ID'd. He described it as some sort of relatively large mammal. Lots of whitish fur ...
by Teague
Sun May 12, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Firecalc is telling me to be [aggressive]: 85/15. Should I trust the advice?
Replies: 39
Views: 4680

Re: Firecalc is telling me to be offensive: 85/15. Should I trust the advice?

My take from that is the various allocations don't make a meaningful difference. And also, importantly, it's clearly better to start with $1,000,000 than $900,000, because that does make a meaningful difference. Keep in mind that these things call having one dollar left a "success," and also assume ...
by Teague
Sun May 12, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Best way to kill poison ivy
Replies: 43
Views: 2230

Re: Best way to kill poison ivy

Heck, even my power cords have labels that warn me that the State of California has determined that the power cords may cause cancer if touched. I've noticed that?! I was looking for a door threshold and couldn't fidn one at Home Depot without that warning. Do you take those warnings seriously? No....
by Teague
Sat May 11, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Best way to kill poison ivy
Replies: 43
Views: 2230

Re: Best way to kill poison ivy

Heck, even my power cords have labels that warn me that the State of California has determined that the power cords may cause cancer if touched. I've noticed that?! I was looking for a door threshold and couldn't fidn one at Home Depot without that warning. Do you take those warnings seriously? No....
by Teague
Sat May 11, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2122

Re: Drill well today or drill well later?

Well, then. Or, well now. A few things to consider: -In my area, new wells are coming under increasing regulation as water scarcity becomes more known. Here, farmers and some homeowners are drilling like mad to ensure they are grandfathered in under existing rules, rather than likely be restricted b...
by Teague
Thu May 09, 2019 2:58 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4046

Re: Hedge against the decline of the Realtor profession

RickBoglehead wrote:
Thu May 09, 2019 11:49 am

If I'm a manufacturer of ___, what should I invest in?
Then you should invest in ___. Now, some may say you should invest in | since it obviously very different than ___. But for the best hedge against ___ you should invest in ___, because it is the 180 degree opposite.
by Teague
Wed May 08, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Part time job ideas
Replies: 10
Views: 1312

Re: Part time job ideas

Yes, there are PT jobs in “niche areas” in the medical field. One has to look carefully and explore many options before such a well fitting job may be available. Also, many large organizations have such niche jobs. I am looking for something like that. I plan on doing more exploring. Wondered if an...
by Teague
Sat May 04, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Removing coaxial cable from exterior of home
Replies: 7
Views: 1079

Re: Removing coaxial cable from exterior of home

If I understand, you have TV/internet coax cables running from the pole to a junction box, then cables running outside the house from the junction box to various entry points through walls. You should be fine removing the coax cables going from the box to the entry points through the walls. Don't do...
by Teague
Sat May 04, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1331

Re: Cost of summer camp

One near here is $2200 for a week, $3500 for two weeks. Nice place on a lake.
by Teague
Fri May 03, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5764

Re: Car lost acceleration

I would do this, but I need a second person to help me, because this car the hood is hydrolic and it was broke when I got the car, so one person always has to hold the hood up for someone to work on it, and cant have wife leave both kids in house alone to help. Id have to get a neighbor. This is on...
by Teague
Fri May 03, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 5764

Re: Car lost acceleration

As others mentioned there are all kinds of things that can cause loss of power, too many possibilities to effectively solve the problem in this forum. This is kind of like saying you have a vague abdominal pain and asking for a diagnosis from a random bunch of strangers. Someone may come up with the...
by Teague
Wed May 01, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7871

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I don't get the obsession with beach towns. There are so many parts of the greater Phoenix area that one can live comfortably in retirement on $40,000/year and the weather is perfect 365 days a year. I can live without going in the water -- and when I'm golfing, I prefer to stay out of it anyway. N...
by Teague
Tue Apr 30, 2019 6:21 pm
Forum: Personal Investments
Topic: I'm 37, late to the game, worth about 35k...
Replies: 42
Views: 7130

Re: I'm 37, late to the game, worth about 35k...

It is not too late but I think you need to come back to the US ASAP to get a job that pays well. I agree. OP, I was $35k in debt at your age. I retired at age 59 and live comfortably, spending the same as before I retired. The key for me was a well-paying job, living below my means, and aggressivel...
by Teague
Sun Apr 28, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 223
Views: 25859

Re: LED lightbulbs

Well, then the "good" news is that CRI isn't really as meaningful as one might hope. For one thing, the color references used in that standard are all desaturated, and there are several other problems. So a CRI of 90 is kind of like saying that a light source scored 90% when measured by a standard ...
by Teague
Sun Apr 28, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 223
Views: 25859

Re: LED lightbulbs

I find it pretty frustrating that most bulb manufacturers don't seem to include the CRI on the package. Well, then the "good" news is that CRI isn't really as meaningful as one might hope. For one thing, the color references used in that standard are all desaturated, and there are several other pro...
by Teague
Thu Apr 25, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4135

Re: How to clean a garage?

I actually read the list of things you have in the garage. I don't see anything listed that I would get rid of. Even the lumber is marginable because indeed if you need 2 feet of an 8 foot 2x4, the rest can be used on the next project. I have way more than you list. I have a container for "junk too...
by Teague
Wed Apr 24, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Do you get value out of Clear (airport screening)?
Replies: 18
Views: 1664

Re: Do you get value out of Clear (airport screening)?

I don't have it. My local airport doesn't have it. I do have PreCheck via Global Entry. It has always struck me as strange that one could pay a private company for expedited access (line jumping) to a government service (security screening). Wonder if I could set up a similar service for my local D...
by Teague
Wed Apr 24, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16829

Re: Whats the Point of Climbing the Corporate Ladder?

During my career, quite a while ago, I had to “let go” people who had basically retired on the job. Not saying the OP would do this but a mindset of low ambition, lack of improvement, complaining about the bosses, etc can often mean being unemployed in your early ‘50’s. If you aren’t progressing it...
by Teague
Wed Apr 17, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an engineer to inspect a dam wall
Replies: 27
Views: 1857

Re: How to find an engineer to inspect a dam wall

The real estate agent indicated the pond had been there for many years and was surely fine.... These dams were also there for many years, until some of them weren't: https://damsafety.org/dam-failures "From January 2005 through June 2013, state dam safety programs reported 173 dam failures and 587 ...
by Teague
Tue Apr 16, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

Your requirements lead you back to where you are. I'm in SoCal too. Till death do us part. The climate here can't be beat. Me too. Plus somebody mentioned PHX, a few years back I booked to go from SNA to PHX to Hawaii, I was hoping to avoid the LAX traffic. Then the heat turned hottest during the s...
by Teague
Mon Apr 15, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9990

Re: seriously thinking about leaving S. CA but where to?

Don Felder, Don Henley, and Glenn Frey settled this issue in 1976. You can check out, but you can never leave.
by Teague
Sun Apr 14, 2019 3:06 pm
Forum: Personal Investments
Topic: Roth IRA for child
Replies: 48
Views: 4661

Re: Roth IRA for child

I know this is an older thread, but I am confused to how a 8 year old can make $200 by selling mistletoe. I mean - I have an 8 year old. She can't go anywhere by herself. She can't purchase mistoletoe in bulk by herself. I don't think she has the skills to create a creation from the mistletoe. And ...
by Teague
Sun Apr 14, 2019 2:14 pm
Forum: Non-US Investing
Topic: New to investing from Latvia
Replies: 15
Views: 947

Re: New to investing from Latvia

Thank you for all the suggestions and insights. It was useful to find out about Vanguard fair value CAPE. Does anybody else have opinion on whether I should jump into market now right away or do it gradually over 1-2 years? No one can be sure of course, because that depends on how things go in the ...
by Teague
Thu Apr 11, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 6139

Re: Ingenious Way To Find Reasonably Priced Painter

perhaps the painters are factoring in the PITA factor? If you did the prep they may see that as a positive or a negative. They may have to redo your prep. Their paint may not work well with your prep work. The paint fails in a year and you go back against them just spit balling When the house was l...
by Teague
Wed Apr 10, 2019 12:17 pm
Forum: Personal Investments
Topic: Edward Jones CDs
Replies: 17
Views: 2244

Re: Edward Jones CDs

bullmoose85 wrote:
Wed Apr 10, 2019 11:54 am
Speaking as a former EJ employee, I urge you to avoid them. Once you're in their world, they're going to hound you relentlessly to essentially turn over your whole financial life to them. They call this being "deeply served" lol.
Cue the brilliant Twilight Zone episode To Serve Man.
by Teague
Tue Apr 09, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are life insurance basically scams?
Replies: 43
Views: 1853

Re: Are life insurance basically scams?

Term life insurance, if others depend/will depend on your income, is a good decision. And, it's cheap when you are young and healthy. Do you plan to have a family? No girlfriend, very shy, very introverted, so probably won't have a family for another 30-50 years, so probably not going to pay this 2...
by Teague
Tue Apr 09, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18784

Re: Wife hates new job...wants to quit after 1 day

Bring donuts for the other folks at that communal table, the next day muffins, then bagels, etc. Let me explain- No matter how the rest of this plays out, those other folks have more invested in this company than the newest hire, and they seem likely to be laid off too. There seems a reasonable chan...
by Teague
Mon Apr 08, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9047

Re: fun car advice

I personally don't want to be on the highway near human operated vehicles, and neither will anyone else. At some point if a vehicle doesn't have certain safety features, they won't be allowed on the roads. If things do go that way, it may take quite a while. Currently on the roads there is a mix of...
by Teague
Sun Apr 07, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3242

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

Sometimes folks buy the tow vehicle before selecting the boat/trailer/whatever, and run into all sorts of problems. Keep in mind that "towing capacity" as stated by car makers is only one part of the puzzle. And it's usually not the limiting factor. Trailer tongue weight is more often the limiting f...
by Teague
Sun Apr 07, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4122

Re: Should I regularly replace the water filter in the fridge?

Copying the language from that pop-up notice, email the manufacturer stating it is time for them to replace your refrigerator.

My coffee maker has a similar notice. Since I feed it bottled (filtered) water, I ignore the notice.
by Teague
Fri Apr 05, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Definite roof leak - roof inspector or roofing company?
Replies: 16
Views: 1273

Re: Definite roof leak - roof inspector or roofing company?

You have a leaking roof - these are fixed by roofers. Get at least a couple of estimates.

Home inspectors can be handy, on occasion, when buying or selling a roof that happens to have a house underneath it. But they are very much generalists. You need an evaluation by a roofer (or two or three.)
by Teague
Mon Apr 01, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Redoing lawn with bermuda
Replies: 25
Views: 2206

Re: Redoing lawn with bermuda

bhsince87 wrote:
Mon Apr 01, 2019 9:46 pm
I killed off the old stuff with Roundup. Just remember, the "causes cancer" decisions have come from juries, not scientists.
But, but... it's been linked to people who got cancer. LINKED for God's sake!!! What more proof do we need??

:wink:
by Teague
Mon Apr 01, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13108

Re: Folks in their 60s and above. What early investment on health do you recommend.

So raw mushrooms in a salad are hazardous? Probably not in limited amounts. Raw mushrooms contains low levels of toxins. They are also harder to digest. Cooking them is said to solve both of those issues. I'm curious to know the source of the claim that commonly available edible mushrooms contain c...
by Teague
Mon Apr 01, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13108

Re: Folks in their 60s and above. What early investment on health do you recommend.

By the way, many of the most toxic mushrooms, e.g. Amanita species, have toxins that are not sensitive to heat, but you will thankfully not find these in any market. However, if you hunt your own fungi, that's different; you really need to know what you are doing. Or maybe have your own private liv...
by Teague
Mon Apr 01, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13108

Re: Folks in their 60s and above. What early investment on health do you recommend.

So raw mushrooms in a salad are hazardous? Probably not in limited amounts. Raw mushrooms contains low levels of toxins. They are also harder to digest. Cooking them is said to solve both of those issues. I'm curious to know the source of the claim that commonly available edible mushrooms contain c...
by Teague
Mon Apr 01, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Time of month to Order a new car
Replies: 4
Views: 510

Re: Time of month to Order a new car

If you're talking about ordering from the factory, I don't think the time of month matters that much. My understanding is that the sale only goes on the dealer's books once you actually take delivery, and the time from ordering to when you pay for it is unpredictable from the dealer's perspective. A...