Search found 1161 matches

by Teague
Sat Nov 17, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 28
Views: 1566

Re: When is Too Long to Return a Hair Dryer to Costco?

I personally would say it provided good use, but I'd bet Costco will take it back if you ask them to. I did once return a bicycle to Costco 2 years after purchase. The cables that go to the brake calipers had completely disintegrated and the bike was undeniably unusable. I figured 2 years is too sho...
by Teague
Fri Nov 16, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1681

Re: One food I could never give up

Bagel topped with cream cheese and good lox. On top of that goes a large slice of ripe, preferably homegrown, tomato. Crowned with a slice of red onion almost thin enough to read through.
by Teague
Thu Nov 15, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 64
Views: 4041

Re: Cremation seminar – with complimentary lunch

If you go, try not to think of the 1973 film Soylent Green. Teague! You crack me up! From your Bourbon Soaked Fruitcake to Soylent Green :D BTW are you still on the Retirement Roll Call? Thanks, Miriam2, I'm honored! :happy I'd almost forgotten that recipe... I did actually retire. It's been a year...
by Teague
Thu Nov 15, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 64
Views: 4041

Re: Cremation seminar – with complimentary lunch

If you go, try not to think of the 1973 film Soylent Green.
by Teague
Wed Nov 14, 2018 10:56 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6817

Re: Are you all staying the course?

viz wrote:
Wed Nov 14, 2018 10:25 pm
80% equity, 5% bonds, 20% real estate
...
Remarkable.
by Teague
Sat Nov 10, 2018 8:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2151

Re: Remember to support this free source

Thank you for the reminder. My annual donation is on the way!

And a great thanks to those seen and unseen who make this whole amazing thing work. :happy
by Teague
Thu Nov 08, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1571

Re: Social Security as a percentage of portfolio

I just wanted to chime in that longevity seems to be, rather surprisingly, not very heritable. That is, the age to which your parents lived has less predictive value about your life expectancy than one might think. Please provide data for your statement above. This recent review notes that although...
by Teague
Thu Nov 08, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1571

Re: Social Security as a percentage of portfolio

My mom died at 92 and my father died at 96. I know I could die anytime... Any thoughts? First things first: Welcome! :happy I just wanted to chime in that longevity seems to be, rather surprisingly, not very heritable. That is, the age to which your parents lived has less predictive value about you...
by Teague
Thu Nov 08, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2029

Re: New Treadmill - Proposition 65 Warning Label

https://upload.wikimedia.org/wikipedia/commons/thumb/7/7d/Disneyland_Prop_65_Warning_crop.jpg/220px-Disneyland_Prop_65_Warning_crop.jpg "Happiest place on earth" That's awesome. Only thing that would have made it better is if the sign were in the shape of a Mickey Mouse head. With three ears :D
by Teague
Thu Nov 08, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2029

Re: New Treadmill - Proposition 65 Warning Label

I remember when prop. 65 was passed. It sounded like a good idea at the time, at least the way it was promoted sounded good. It turned out to be poorly thought through. A Prop. 65 warning has become all but meaningless. Everything now has a Prop. 65 warning. It was the equivalent of "Hey, hold my be...
by Teague
Wed Nov 07, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1201

Re: Need help! 3 HVAC intstallation quotes

System design for your house and installation quality trumps price, brand, or SEER.
by Teague
Mon Nov 05, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3356

Re: Furnace Duct Cleaning-a high profit game?

What happens if an HVAC tech selling duct cleaning services crossed paths with a guy selling load funds and whole life? Would they annihilate each other in a great explosion, like matter colliding with antimatter? Or would it be more undefined, like the proverbial irresistible force meeting an immov...
by Teague
Tue Oct 30, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Can I deposit cash from selling car into bank account over 10k?
Replies: 21
Views: 2091

Re: Can I deposit cash from selling car into bank account over 10k?

Yes, fine. Whatever you do do NOT try to manipulate the amount to make it look like less.
by Teague
Tue Oct 30, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5219

Re: People with older car, share your unusual repairs

1977 Fiat Spider required an urgent application of ammonium phosphate/ammonium bicarbonate mixture. It caught fire while driving.
by Teague
Mon Oct 29, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4925

Re: Should I co-sign for relative?

When you cosign, you risk more than just the direct costs - in this case $900/month. Suppose he/she does not pay -- and you are not notified until it affects YOUR credit history and YOU are assessed all sorts of fees and penalties. If you do cosign anything, monitor directly that the payments are m...
by Teague
Sun Oct 28, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6386

Re: Getting depressed with all this saving. :-(

finite_difference wrote:
Sun Oct 28, 2018 10:20 pm
You have a $100,000 sound system?

The geek in me really wants to know more details ;)
Oh, probably the usual: vintage tube preamp and amp, electrostatic drivers, oxygen-free cables...and Mark Levinson himself working as his personal disc jockey :D
by Teague
Sun Oct 28, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6386

Re: Getting depressed with all this saving. :-(

Depressed from saving? Only one thing to do:

Fire up the stereo and put on some blues.
by Teague
Sun Oct 28, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 1609

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

If you add a Magnavox TV with rabbit ears and some orange shag carpet, you could be living out my teenage years. :D
by Teague
Sun Oct 28, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7165

Re: How many miles (total) on car before buying another car ?

All this talk of new cars has finally broken down my willful thriftiness. Yes, I've decided to tap into my savings and splurge. I've decided on my course of action. My current car has 226,000 miles and it's past time for me to act. Boglehead principles be damned: $5.99 drive-thru car wash here I come!
by Teague
Fri Oct 26, 2018 11:41 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8084

Re: What's everyone currently in?

What's everyone currently in?

L Brands

I'm in ladies' underwear.
by Teague
Thu Oct 25, 2018 12:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1941

Re: Who/what made the helpful culture of Bogleheads?

Somewhere in here we need to acknowledge the unflagging and occasionally Solomon-like work of LadyGeek and the other moderators.

edit: I see RM beat me to it, so consider this a second vote for the mods.
by Teague
Thu Oct 25, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Insignia TV Has Black Screen
Replies: 32
Views: 1654

Re: Insignia TV Has Black Screen

Does anything at all happen when you turn on the power?
by Teague
Thu Oct 25, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1805

Re: Indoor Play toys for toddler

-mom's purses I'd suggest checking for stray pills/capsules first. You'd be surprised how often a mystery tablet finds its way to the bottom of a purse, only to be discovered and ingested by a young explorer. I encountered this scenario repeatedly in a former career. Then there were the cases where...
by Teague
Thu Oct 25, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: When is moonlighting not moonlighting?
Replies: 22
Views: 1778

Re: When is moonlighting not moonlighting?

Well, two popular ways of looking at this currently are to- 1. Declare this to be a "side hustle" rather than moonlighting. Sounds much more hip and cool. 2. Claim you are actually retired, popular with the FIRE folks. You are simply doing these things because you like to, but they are not really jo...
by Teague
Wed Oct 24, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 61
Views: 3415

Re: "consultation fee": standard for preventative colonoscopy?

The only consultation I got was right after the colonoscopy, as the sedative was wearing off. The GI doc comes in the recovery room, shakes my hand, and says "Great looking colon you've got there!" I'm rarely at a loss for words, but I'll admit I didn't know how to respond to that. Maybe next time I...
by Teague
Sun Oct 21, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3079

Re: Why Purchase an Automobile using Premium Gasoline?

While some of the above technical explanations are truly hilarious, I'm going to stick with simply answering the OP's question. Why people buy a car that requires premium fuel is because they like the car, like the performance and are willing to pay the extra. When the hilarity wears off and the gu...
by Teague
Sun Oct 21, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3079

Re: Why Purchase an Automobile using Premium Gasoline?

Engineering types correct me if I'm wrong, but can't a car running premium gas get better mileage provided that the driver takes it easy on the throttle? (By allowing more spark advance, therefore starting combustion earlier in the compression stroke, and so capturing more of the available chemical ...
by Teague
Sat Oct 20, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6046

Re: Pull kids from school for vacations?

Yes, they do reduce funding for each day of absence. https://www.washingtonpost.com/posteverything/wp/2015/04/21/how-some-school-funding-formulas-hurt-learning-and-make-schools-more-dangerous/?utm_term=.4b608ba8fe4a Traditionally, public schools are funded based on their total student enrollment. B...
by Teague
Sat Oct 20, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6046

Re: Pull kids from school for vacations?

Often, strict attendance policies are grounded in economics more than anything else. For example, in my state, funding to a particular school is directly dependent on daily student attendance. Bingo. Public schools care because their funding is dependent on attendance rates. Those teachers care as ...
by Teague
Sat Oct 20, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6046

Re: Pull kids from school for vacations?

We have done so on occasion, but not regularly.

Often, strict attendance policies are grounded in economics more than anything else. For example, in my state, funding to a particular school is directly dependent on daily student attendance.
by Teague
Fri Oct 19, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5070

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

I gave 6 days notice to end a 20 year career. I became displeased with my employer, so I sent the email at 4:55 p.m. Wednesday evening before they closed for a 4 day Thanksgiving holiday. This meant that, per state law, this lumbering bureaucracy had 48 hours from Monday morning to figure out a way ...
by Teague
Fri Oct 19, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: What the heck to do with $2M windfall
Replies: 22
Views: 4171

Re: What the heck to do with $2M windfall

I think most do try to stay within the FDIC, etc. limits. You could always stick it in short term Treasuries for now, through the Treasury Direct website. Pretend that you're a small sovereign nation for a few months. :happy
by Teague
Fri Oct 19, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1478

Re: Most economical high-quality car wash

There is a gas station/car wash in the best part of town here. They do very good work at a very good price. They employ a lot of workers, and by the time you drive through for the simplest wash, no less than 5 people have worked on your car. One applies a pressure wash to the bug areas and wheels, t...
by Teague
Thu Oct 18, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation (Gov't plan) or Taxable?
Replies: 12
Views: 760

Re: Deferred Compensation (Gov't plan) or Taxable?

Maybe I missed something, but I don't see any high fees there. The "socially responsible" fund may be a bit borderline.
by Teague
Thu Oct 18, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6600

Re: Did you retire because you hit your number?

Besides the financial matters, retiring most likely means a one-way street unless you are "retiring" real early. It is especially true in the "hard" field such as science or engineering. Didn't the thought of leaving behind what more or less defined you for most of your adult life scare you? "Scare...
by Teague
Thu Oct 18, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5303

Re: Spoke with a CFP...underwhelming!

I have a family friend who is a CFP in the local area, and I've always been curious to talk to him, as I've only learned from reading, forums, blogs, etc. I was always eager to hear his take on where I stand, and his thoughts. I finally spoke with him yesterday afternoon, and it was a bit underwhel...
by Teague
Wed Oct 17, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5647

Re: Cross-country trip via Amtrak

I took the California Zephyr, but only the portion from Reno to Sacramento.

In the regular seating section many passengers had been on board since Chicago. This leg of the trip was ripe with opportunity for scenic mountain views. The passengers who boarded in Chicago were just plain ripe.
by Teague
Tue Oct 16, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10867

Re: Should we move to San Diego from east coast?

How to figure out which areas are prone to wildfires and earthquakes and how to avoid those places. Well, first thing is probably not to worry too much about either. Just like I think every Midwestern town must get annually flattened by tornadoes, the news shows do their best to make it look like a...
by Teague
Tue Oct 16, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11303

Re: What do you consider 'enough'?

Be careful about how much you get used to having, "lifestyle creep" as noted by a poster above. If you get used to having a lot of expensive things, you will need to save a lot of money. If you can be satisfied with fewer simpler things you will require much less. Some people do not consider billion...
by Teague
Sat Oct 13, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36371

Re: free dinner investing seminar

furikake wrote:
Fri Oct 12, 2018 2:51 pm
My dog who died a few years ago received an invitation. I went as my dog with a friend of mine. :P
I hope they covered "tail risk."
by Teague
Fri Oct 12, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1868

Re: What to do with Bose cube speakers left in rec room

Use as weights for a rock cod rig?
by Teague
Fri Oct 12, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1560

Re: Can a Person Under 21 Rent a Hotel Room?

Sure. Otherwise "get a room!" might never be uttered.
by Teague
Wed Oct 10, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5945

Re: What the heck is growing in my yard?

Before you give any thought to consuming the growth, remember this classic bit of wisdom:

There are old mushroom hunters
and bold mushroom hunters
but no old, bold, mushroom hunters.
by Teague
Wed Oct 10, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5621

Re: Keep a backup hot water heater?

A cold water shower now and then builds character.
by Teague
Wed Oct 10, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8393

Re: What did you buy today

I almost bought a new car. But when I asked the dealer to confirm the price shown online, I was told there was "a conflict in their online price." It turns out the real price is $6K more than the advertised price. So the price was great, unless you actually wanted to buy the car.
by Teague
Wed Oct 10, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609237

Re: U.S. stocks in freefall

Well the journalists are all over it today: "it was impossible to gauge the full extent of the carnage..." "Just about every update seemed to bring greater grimness..." "It was not what people are used to..." "On Wednesday, it was all danger and worry." "Mr. Trump marveled at the size... " “This thi...
by Teague
Wed Oct 10, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609237

Re: Stocks tumbling?

It's clearly because of a disturbance of the variable reluctance in the recent turbo encabulator. Which causes a need to maintain a vorden hold until one receives photomagnus clearance from Melnix. :twisted: :D See: "Turbo Encabulator" the Original - YouTube Spoiler alert: For those who need an exp...
by Teague
Wed Oct 10, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1096

Re: Hiking NH White Mountains. Taking one lens.

Related, I'd suggest bringing a polarizing filter for panoramas, and maybe everything else depending on lighting. A polarizing filter helps cut down on unwanted reflections. Haze in long distance shots like panoramas and such is made up of unwanted reflections. Haze messes up contrast and other thin...
by Teague
Wed Oct 10, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 29
Views: 2593

Re: Car Gurus ... Air Filter Recommendations

OEM. Some OEM brands are available at Walmart at a very good price. Few things will kill a motor quicker than breathing dirty air. OEM filters will fit correctly, avoiding gaps that can cause dirty air to bypass the filter. OEM filters are generally built better. Compare side-by-side with aftermarke...
by Teague
Tue Oct 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Medicare drug question - days or pills?
Replies: 18
Views: 864

Re: Medicare drug question - days or pills?

Ah, I see. I understood you to be referring to "pills" in general, when you were referring to one particular type of tablet that you were familiar with.

Regards, :sharebeer