Search found 1464 matches

by Teague
Tue Jul 16, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 42
Views: 2881

Re: Take the cash or the free dinner?

If they are pitching to a group, see if you can get them to increase the price: So you see, folks, this chart shows that our returns have been proven to beat the market! Excuse me presenter, do those results include reinvesting dividends because, you know, it's pretty dishonest if they don't. Um, si...
by Teague
Tue Jul 16, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell 2
Replies: 8
Views: 1167

Re: Ring video doorbell 2

I don't see the great advantage to these things unless one lives in a neighborhood where burglars enter through the front door. In my area they are partial to entering through windows, side doors, back doors, garage doors, pretty much anything other than a front door. This is how they have done "bus...
by Teague
Mon Jul 15, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6175

Re: Buying a Smoker

OK, friends, the OP is back and I think I'm going to bite the bullet this weekend. I've found a number of smokers for sale locally on Craigslist, and am zeroing in on a Weber Smokey Mountain. The convenience factor of an electric smoker still has appeal, but there's more to go wrong with one of tho...
by Teague
Sun Jul 14, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at account to get used to fluctuations?
Replies: 15
Views: 732

Re: Looking at account to get used to fluctuations?

I don't think there's anything inherently bad about looking. If you're consciously avoiding looking you're thinking about this too much anyway. You can't avoid the daily reports of performance of "the Dow" and you will have some idea of what your account is doing whether you want to or not. So sure,...
by Teague
Sun Jul 14, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 30
Views: 2451

Re: Photography business early stage, tax and other

My photography story:

Image

From the great strip What The Duck later renamed W.T. Duck by talented cartoonist and photographer Aaron Johnson.
by Teague
Sun Jul 14, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Should I knowingly buy a fake antique?
Replies: 26
Views: 2462

Re: Should I knowingly buy a fake antique?

How about paying them in currency also made by a skilled local craftsman?
by Teague
Sat Jul 13, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Safe DIY Spider Control
Replies: 16
Views: 657

Re: Safe DIY Spider Control

The good news is that even if nothing is done the spider population will eventually reach a steady-state equilibrium, as they have no reluctance to consume their own. And it's a handy way to control the fly and mosquito population indoors. Of course, not everyone will embrace this method.
by Teague
Fri Jul 12, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can my brother afford his vacation?
Replies: 41
Views: 3610

Re: Can my brother afford his vacation?

My brother recently told me that he's taking his in-laws on a trip to Italy for their 50th anniversary. He was concerned because he wasn't sure that he could afford the $20k price tag. When I asked him what his financial situation was, he didn't share income and expenses, but he did tell me that he...
by Teague
Sat Jul 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2120

Re: No more print Mad magazine

Operator, I'd like the number for Joe's Diner at 3 Main Street. I'm sorry sir, I don't have any listing for Joe's Diner on Tremain street. No, operator. I said Joe's Diner on Main Street. I'm sorry sir, I don't have a Joe Steiner listed on Main street. No, I said Joe's Diner! Dummy! Dummy! I'm sorry...
by Teague
Fri Jul 05, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Have trust already, how to add monetary gifts to grandchildren
Replies: 20
Views: 816

Re: Have trust already, how to add monetary gifts to grandchildren

Are you asking about adding GKids as beneficiaries to the trust or are you asking about gifts now, separate from the trust provisions? not beneficiaries, gifts for them when our assets are distributed after both our deaths. But, isn't that essentially saying they are beneficiaries of some sort?
by Teague
Fri Jul 05, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1468

Re: inkjet printer recs

Another Brother B/W laser printer fan here. 1. They are reliable, more so than anything else I have tried (and I've had several.) No head clogs to worry about. 2. They are economical to use, toner is much cheaper per page than ink. 3. They print much faster than inkjet printers. I also have a dedica...
by Teague
Tue Jul 02, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: We got scammed out of our personal info
Replies: 18
Views: 3272

Re: We got scammed out of our personal info

expect that when they offer you a job they will ask you to send money for an application fee or something like that. They want you to give them money. Then it's not considered stealing if you gave it to them. But if there is actually no job, isn't that fraud? I thought that was often a felony (?)
by Teague
Sat Jun 29, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3023

Re: Have nice car but too OCD to enjoy it.

Take a hammer and give it a good whack on the underside, where it's not visible, so you have a respectable dent there.

There, that didn't take long. Now the idea of a tiny scratch doesn't seem so bad.
by Teague
Thu Jun 27, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Hot water heater on pilot light
Replies: 21
Views: 1655

Re: Hot water heater on pilot light

Do you have more than one water heater? Is there even the slightest chance this one is not hooked up to the faucets you think it is hooked up to?
by Teague
Wed Jun 26, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12737

Re: How did you lower your annual expenses?

1. On an upper middle class salary, bought a modest house in a mid-lower middle class neighborhood. No pressure to have the newest cars, most modern kitchen, club membership, or otherwise keep up with the Joneses. 2. For twenty years, raises went toward increasing savings. So, though still taking ho...
by Teague
Mon Jun 24, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

Certainly if you had gone to a clinic or your regular PCP it would be outrageous to be charged $790 for triage including bp and pulse ox. But, of course, the problem is that you didn't step into a clinic or PCP office. You stepped into a place ready, willing, and able to treat you if your N/V were c...
by Teague
Sat Jun 22, 2019 9:46 am
Forum: Personal Investments
Topic: Questions on trust as beneficiary of 403(b)
Replies: 0
Views: 106

Questions on trust as beneficiary of 403(b)

Greetings all, I am constructing my estate plan. I would like my minor child to receive their inheritance at age 35, and will make a trust for that and other reasons. Significant assets are in a 403(b) plan, and I have retired from that employer. The plan documents state that beneficiary RMDs only n...
by Teague
Tue Jun 18, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 11734

Re: With hindsight, what signs indicated you were about to lose your job?

Back in the days before electronic access cards, at a regional retail chain. If there was a locksmith truck in the parking lot before opening time, it meant the store manager was going to get the ax when he showed up.
by Teague
Tue Jun 18, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 6772

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

3 is out - your wife does not want to stay there. 2- not enough info - how important is it that your parents live near you? 1- Wife wants to move there. Happy wife and all that. You will need to inquire if you can transfer again, if for no other reason than to tell your wife that you really tried.
by Teague
Mon Jun 17, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6476

Re: How to avoid high vet bills?

You can also treat your dog with human medications- look it up on the Internet. Dangerous to do except on the advice of a vet. The Internet is a big place, with all kinds of different quality information. Different species metabolize drugs quite differently and have other differences that can be cr...
by Teague
Mon Jun 17, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6476

Re: How to avoid high vet bills?

I'm not a vet, but having discussed this with a few vets it seems the issue is mostly overhead. Office lease, staff, and all that other expensive stuff. Counter-intuitively, our large animal vet (horse) is usually quite a bit cheaper. The reason being her office is just an older pickup truck, and no...
by Teague
Sat Jun 15, 2019 6:03 pm
Forum: Personal Investments
Topic: Monte Carlo Simulation
Replies: 47
Views: 4017

Re: Monte Carlo Simulation

It's easy to attack monte carlo if one assumes it means more than it does. I don't know many people who use any monte carlo simulation as a hard fact of probability of success. All monte carlo and other simulations are meant to do is explore the implications of certain assumptions. One data point a...
by Teague
Fri Jun 14, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2743

Re: Durable non-stick cookware suggestions?

Cast iron and carbon steel both can be fairly non-stick if all conditions are right. But they are not as non-stick as the teflon type coatings. Those coatings have their own problems, mostly in the durability department. They degrade over time when subjected to heat, which is of course the whole ide...
by Teague
Thu Jun 13, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3590

Re: Do you repair your own appliances?

...that they seem to come fall into these tiers; 1) Bargain budget dodgy broads. 2) Respectable models with basic features. 3) Respectable models with lots of features. 4) Premium Brands that are real expensive. You have succinctly described my early dating years. As far as appliances, yes, I gener...
by Teague
Thu Jun 13, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2686

Re: Professional work titles

I know a place where Clinical Associate Professors might earn hundreds of thousands per year, but all Associate Clinical Professors get nothing.
by Teague
Wed Jun 12, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4183

Re: 50 or 75 gallon water heater?

It depends very much on the recovery rate of the water heater, arguably much more important than how much water the tank holds. To illustrate, the "tankless" heaters have a tank volume of close to zero, but a very high recovery rate (essentially instant.) They work fine and the water doesn't ever ge...
by Teague
Tue Jun 11, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2373

Re: Recommend an American medium size car

Depending on how one defines a car as being "American" that may be harder than it seems. My Dodge (now Ram) truck was built in the U.S. by a company headquartered in Italy. The engine was built in Mexico and the transmission was designed and built in Germany. Lots of other parts come from other coun...
by Teague
Tue Jun 11, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner

Notify your insurance company. They ask if you have pets for a reason. I can't imagine notifying my insurance agent for adding a Havanese to my household. But I do enjoy living on the edge. I dunno, everyone around here is terrorized by the neighborhood "killer chihuahua." That little son-of-a-fema...
by Teague
Tue Jun 11, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner

I suggest that you feed your new pup raw food. Get some dry kibble from Costco and mix in some raw hamburger. Toss in a raw egg, including the shell. MIx it all together. Your dog will thrive with this diet. And won't get sick. What are your qualifications to recommend a diet including raw hamburge...
by Teague
Sun Jun 09, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Camry Owners What Fluids do you flush if any on your car and how often
Replies: 11
Views: 1615

Re: Camry Owners What Fluids do you flush if any on your car and how often

Don't forget to change the tires to nitrogen filled as this drastically improves cornering and stopping. The brake fluid can stay where it is, but if you really want to change it, Pine Sol makes for an acceptable replacement. Smells good, too. The Synthetic Power Flush is probably a good idea. I thi...
by Teague
Sun Jun 09, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: 240v inverter generator?
Replies: 9
Views: 855

Re: 240v inverter generator?

Having been though multi-day power failures in the dead of winter, I can't imagine why anyone would want a generator they have to keep getting gasoline for, driving through partly plowed roads looking for a gas station that has power, etc. unless a natural gas generator is not affordable. OP has a ...
by Teague
Sun Jun 09, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: 240v inverter generator?
Replies: 9
Views: 855

Re: 240v inverter generator?

Not inverter, but here's a 7KW running, 9KW starting dual fuel generator from Costco for $799.99 https://www.costco.com/Champion-Power-Dual-Fuel-Generator-7000-Running-Watts.product.100347350.html Be advised that the stated output is when running on gasoline, as these things are somewhat less powerf...
by Teague
Fri Jun 07, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: The logical fallacy behind "Bonds Are For Safety"
Replies: 248
Views: 16023

Re: The logical fallacy behind "Bonds Are For Safety"

Phineas J. Whoopee wrote:
Fri Jun 07, 2019 12:11 pm
The definitional fallacy behind "Bonds Are For Safety:"

Safety is an emotive word, not a financial term of art. Let's stop using it on this forum.

PJW
That sounds risky. :happy
by Teague
Thu Jun 06, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

Actually one should have concern about Norwegian farmed salmon, even if a particular farm is "antibiotic" free the waters are shared in confined bodies of water. But per the video link below (@25 min 29 sec): Farmed Norwegian Salmon World’s Most Toxic Food https://youtu.be/RYYf8cLUV5E?t=1529 "What ...
by Teague
Thu Jun 06, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

I use both. For me, the biggest advantage to Sam's is that it is less crowded. And I find many offerings less tempting, so I spend less. The biggest advantage to Costco is the quality of products. Yes, both have farmed Salmon, but for example Costco's is Norwegian antibiotic-free, Sam's is Chilean g...
by Teague
Thu Jun 06, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2092

Re: How do you talk to investment advisors socially?

Mention your thriving outdoor adventure business. Perhaps they need some new smoke-screens. Or a double-edged falling knife. How about a few bond tents? Unfortunately, the hardest sell is always the moral compass.
by Teague
Sun Jun 02, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 3076

Re: What to do with a 24" analog CRT TV?

Sandtrap wrote:
Sat Jun 01, 2019 1:22 pm
livesoft wrote:
Fri May 31, 2019 5:47 pm
Put on curb with sign: Free!
+1
👍
Excellent idea! And if that doesn't work just change the sign to "$20.00." It should be gone by the next morning - just don't expect to ever see the twenty bucks. :D
by Teague
Sat Jun 01, 2019 11:12 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7653

Re: Do you regret taking a pay cut for quality of life?

1.5 years ago I intentionally went to zero income. Yes, I am both healthier and happier, and I have not had to change my spending habits at all. But I suppose you are not asking about my retirement. A couple of times before that I quit my job and went back to school for a few years. Sold all my poss...
by Teague
Sat Jun 01, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1146

Re: Driveway Stain - What is it?

AC condensation fits the timing, location, description etc. better than anything else that I can think of.
by Teague
Sat Jun 01, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Your favourite Monte Carlo tool for asset allocation?
Replies: 9
Views: 892

Re: Your favourite Monte Carlo tool for asset allocation?

You could try Fidelity's. Apparently you can sign up for a month of guest access here: https://www.fidelity.com/calculators-tools/planning-guidance-center There are several others out there too. Please be aware that which calculator is "better" can only be determined in hindsight - that is, which ca...
by Teague
Fri May 31, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: Your favourite Monte Carlo tool for asset allocation?
Replies: 9
Views: 892

Re: Your favourite Monte Carlo tool for asset allocation?

I like the Vanguard tool but I've read it has some shortcomings like no reverse to the mean. https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf Are there free tools that are better? Not everyone believes in "reversion to the mean" so this could be consi...
by Teague
Fri May 31, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Bad experience with moving company, what are my options?
Replies: 17
Views: 1758

Re: Bad experience with moving company, what are my options?

hdas wrote:
Thu May 30, 2019 10:51 pm
Question: is it possible to rent a big semi and drive it with a regular drivers license?
No. And for good reason.
by Teague
Thu May 30, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 32
Views: 2415

Re: Splitting fence cost with neighbor

Here's a thought: Send an anonymous note to the HOA board, complaining that the fence between such-and-such lots is leaning and has become an eyesore. This, I think, will result in a letter from the HOA to both you and to your neighbor, stating that the fence must be fixed. You could then pow-wow an...
by Teague
Wed May 29, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Best Pool Vacuum for the $$
Replies: 12
Views: 833

Re: Best Pool Vacuum for the $$

After trying a few things, for a suction-side cleaner, I've settled on the knock-off $100 kreepy-crawly and replace it about every two years. It comes with a new set of hoses which deteriorate over time in the sun/chlorine. It's easier than replacing individual parts as they fail, only to have anoth...
by Teague
Tue May 28, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: What’s the best material for paving driveway?
Replies: 33
Views: 2378

Re: What’s the best material for paving driveway?

Depends somewhat on the neighborhood. In many areas here gravel is popular, cheap, functional, and has a nice aesthetic. Add another truckload in a decade or two and you have a new driveway.
by Teague
Mon May 27, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Electric Wood Chipper?
Replies: 9
Views: 799

Re: Electric Wood Chipper?

I doubt an electric one could do branches that big, at least consistently. Maybe a perfectly straight balsa wood branch or something. The problem is that you're limited by the power of an approx. 14 amp motor. That's what a residential typical 110V outlet can provide, so that's what the motor will u...
by Teague
Sat May 25, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3985

Re: Where to buy products at TRUE wholesale prices?

Also, please understand that there is no "general wholesaler" of everything. Finding a wholesaler depends very much on what you will be selling. Soft drinks? - Your regional bottling company for that brand. Beer? - Your regional distributor for those brands. Tractors? - Become a dealer for John Deer...
by Teague
Sat May 25, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3985

Re: Where to buy products at TRUE wholesale prices?

Or, I guess, what is the actual definition of "true wholesale price"? When I say "True Wholesale Price", it needs to be cheap enough where I can buy it and resell it at a retail price for a profit. Where can an entrepreneur buy wholesale like that? Costco, Sam's Club, Smart & Final and the like wou...
by Teague
Sat May 25, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Where to buy products at TRUE wholesale prices?
Replies: 51
Views: 3985

Re: Where to buy products at TRUE wholesale prices?

Simple, just become a retailer and order in large quantities. Other than that, you will probably find true wholesale pricing difficult to come by. Wholesale sellers are not set up to do business with folks who normally buy retail, pretty much by definition. And, they are very reluctant to sell direc...
by Teague
Tue May 21, 2019 4:09 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8033

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...