Search found 1582 matches

by Teague
Mon Nov 18, 2019 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1989
Views: 207637

Re: U.S. stocks continue to soar!

It's Monday morning - a new week is beginning - and the futures market is up yet again. New records for the stock market hopefully lie ahead. :moneybag Update - futures WERE up earlier this morning. Not now. Buy the dip. :greedy As an aside, there is a real US law against trading onion futures. htt...
by Teague
Tue Nov 12, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 4826

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Didn't the annual (and the more frequent "whenever you change your clocks" recommendation arise during the era of zinc-carbon dry cells? Those things truly didn't last very long, though they were cheap. When the newfangled alkaline battery technology became mainstream, life changed for the better. I...
by Teague
Mon Nov 11, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 2002

Re: Giving away cat that has microship...

This is a very sad situation, and I think the supposed jokes are out of line. Why is it necessarily a sad situation? OP will presumably find the cat a good home. They can't take the cat with him/her. There are such situations that crop up in life. I'll share an example from my life 30 years ago. An...
by Teague
Mon Nov 11, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3215

Re: What is this sound in the house?

Any unstable geology in your area? Sinkholes? Old landfills? Drug cartel tunnels? Any sightings of poorly kempt men perhaps with missing appendages or eye patch, possibly a bird on shoulder, carrying shovels?
by Teague
Sun Nov 10, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 2002

Re: Giving away cat that has microship...

My cat is microshipped and registered to my name, will be moving soon and will not be able to take her with me so I will be finding her a new home. Would there be any issues if the microship still registered to my name after giving her away? Asking because I may not have the time to change the regi...
by Teague
Sat Nov 09, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 17
Views: 903

Re: Should I replace my HVAC system or get home warranty plan?

A personal experience with a home warranty company: Motor on the hot tub craps out, it should be covered according to the home warranty contract. Warranty company sends contractor out to inspect. Contractor examines the unit, agrees the motor bit the dust. I'm thinking everything is moving right alo...
by Teague
Wed Nov 06, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does umbrella insurance premium change over time?
Replies: 13
Views: 878

Re: Does umbrella insurance premium change over time?

Yes, the premium can and does change. Besides a price increase, they can change the terms of your policy when it's being renewed. For example, today I received a 10+ page "Notice of Policy Change" from Geico. Lots more exclusions, more restrictive language, etc. So, even if my premium hadn't change...
by Teague
Wed Nov 06, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does umbrella insurance premium change over time?
Replies: 13
Views: 878

Re: Does umbrella insurance premium change over time?

Yes, the premium can and does change. Besides a price increase, they can change the terms of your policy when it's being renewed. For example, today I received a 10+ page "Notice of Policy Change" from Geico. Lots more exclusions, more restrictive language, etc. So, even if my premium hadn't changed...
by Teague
Mon Nov 04, 2019 6:20 pm
Forum: Personal Investments
Topic: What's the Best Investment in Your Opinion?
Replies: 23
Views: 2317

Re: What's the Best Investment in Your Opinion?

By any chance is this the same $80,000 you asked about way back in October 2014?
viewtopic.php?f=1&t=148831&p=2223983#p2223983

If not, what did you do with that money and how did it work out for you?
Edit: I see someone above beat me to it.
by Teague
Sun Nov 03, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3247

Re: Halloween Candy - Favorites; Throw it in the Bag

A bit tangential, and even financial... When I was young one of the neighbors (an old guy with a reputation for being both cheap and crotchety) was handing out dimes on Halloween, complete with a long winded speech about how John D. Rockefeller did the same thing decades prior to encourage saving an...
by Teague
Sat Nov 02, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 2655

Re: how does Personal Umbrella Insurance work?

Well, I'm no expert, but I'd guess in that case the aggressor or family would claim willful or wanton misconduct occurred. The fact that Umbrella insurance might not cover every particular situation does not negate the value of Umbrella Insurance. Oh, I absolutely agree. Wouldn't want to be without...
by Teague
Sat Nov 02, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 2655

Re: how does Personal Umbrella Insurance work?

 In no case shall any act involving the use of force justified under this Section give rise to any claim or liability brought by or on behalf of any person acting within the definition of “aggressor” set forth in Section 7-4 of this Article, or the estate, spouse, or other family member of such a p...
by Teague
Sat Nov 02, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 2655

Re: how does Personal Umbrella Insurance work?

That's exactly what I want to do but I guess I need to read each policy to understand what I'm covered for which sounds like a really big task. I'd like coverage beyond real estate and automobiles although I don't have anything specific in mind. As you said, life happens. Interestingly, my umbrella...
by Teague
Sat Nov 02, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 2655

Re: how does Personal Umbrella Insurance work?

In my understanding, one thing insurance will not cover is anything you do intentionally. For example, an armed assailant attacks you or your family. You defend by shooting/beating/otherwise harming the assailant to incapacitate them. The assailant is convicted and goes to jail, or the morgue, but h...
by Teague
Thu Oct 31, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4131

Re: California Fires: Landlord/Tenant Question

Like the other Bogleheader replied, it seems this forum has mostly home owners who care more about profit than anything else. I could see that if this becomes a recurring theme, then homeowners will have to take responsibility by having their own generators/solar panels to make the home hospitable....
by Teague
Wed Oct 30, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

To suggest that the USPSTF (or their British, European or Canadian equivalents) were in some way ill informed is not really credible. There was tremendous cross-contamination between the control and experimental groups in the main study the USPSTF evaluated, enough to render the results nearly mean...
by Teague
Wed Oct 30, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

Medicine may not be a precise science, but there is research on many topics. In particular, there's the USPSTF which examines research and rates various tests. Yes, but they do so on a broad population basis. Let's not give them too much credit. They try, but humans are anything but homogeneous. Th...
by Teague
Wed Oct 30, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

Medicine may not be a precise science, but there is research on many topics. In particular, there's the USPSTF which examines research and rates various tests. Yes, but they do so on a broad population basis. Let's not give them too much credit. They try, but humans are anything but homogeneous. Th...
by Teague
Wed Oct 30, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Grinding sound when braking comes and goes in 2007 Hyundai Santa Fe GLS
Replies: 9
Views: 486

Re: Grinding sound when braking comes and goes in 2007 Hyundai Santa Fe GLS

neilpilot wrote:
Wed Oct 30, 2019 10:33 am
If brakes are good, could it possibly be the wheel bearing?
Possible, but interestingly, bearing noise often lessens or even goes away when brakes are applied. In essence, applying the brakes takes some of the load off the wheel bearing.
by Teague
Wed Oct 30, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Grinding sound when braking comes and goes in 2007 Hyundai Santa Fe GLS
Replies: 9
Views: 486

Re: Grinding sound when braking comes and goes in 2007 Hyundai Santa Fe GLS

Sounds like the pads are completely worn down to bare metal. The noise is what happens as what's left of the pad grinds against and destroys the rotor. It't pretty normal for that sound to be intermittent early in the process. I'd anticipate paying for new pads and rotors.
by Teague
Mon Oct 28, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: bipolar/alcoholic/broke/jail time - how to move forward financially?
Replies: 37
Views: 4499

Re: bipolar/alcoholic/broke/jail time - how to move forward financially?

Your intentions are admirable. However, has he asked for your advice? I think most people won't listen to unsolicited advice. It does not sound like he is anywhere near needing a conservator, from what I can tell by your post. The bar for that is quite high. The world is full of mentally ill broke a...
by Teague
Mon Oct 28, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Using a windmill to power a water well pump
Replies: 7
Views: 749

Re: Using a windmill to power a water well pump

Are you trying to pump the water just from the surface to the crops, or also up and out of the ground? If up and out of the ground, how deep is your water level?
by Teague
Sat Oct 26, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5269

Re: Anyone buying PG&E stock?

Solar is looking better and better in PG&E territory. In my vast daily perusal of the internet, I thought I skimmed an article a month ago or so that even the solar citizens were affected by these blackouts. It had to do with not being able to charge their EVs iirc. Maybe I’m mistaken? ______ Edit:...
by Teague
Sat Oct 26, 2019 12:19 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4328

Re: Do You Pay For Financial Advice?

Sort of. I make an annual donation to help support the Bogleheads web site. Best return on my money ever.

Other than that, no, I do not pay for financial advice.
by Teague
Sat Oct 26, 2019 2:02 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4901

Re: First Republic Bank doesn’t have physical coins

The problem with contemporary $100 bills is the off flavor they impart when used for lighting one's cigar.
by Teague
Fri Oct 25, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5269

Re: Anyone buying PG&E stock?

Saw a report from one of the major investment firms today (maybe Chase, Fidelity, can't remember) where their analyst who covers such things estimated a 75% chance the stock would go to zero. More PGE power shutoffs scheduled for the weekend, possibly 2.5 million will be without power for up to 48 h...
by Teague
Fri Oct 25, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1068

Re: New brakes

Yeah, it does make sense actually. But do bed in the brakes as suggested by neilpilot. Basically you've got these two new surfaces rubbing against each other. Under a low power microscope you'd see both surfaces are pretty rough, with mountains and valleys, when new. When brand new only the mountain...
by Teague
Fri Oct 25, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 2413

Re: Brisket Recipe

Brisket selection also plays a significant role in the the final results. Besides the usual advice of choosing a USDA Choice or Prime cut, for tenderness and marbling, most folks aren't aware that there are sub-grades within those categories. Those aren't divulged to the consumer, so the best thing ...
by Teague
Fri Oct 25, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Fixing rear bumper
Replies: 13
Views: 847

Re: Fixing rear bumper

Get it checked by an auto body shop. The bumper fascia (the outer part that you see) is often a tough flexible plastic. The structural part is underneath that. That structural part may include rigid elements as well as elements designed to absorb crash energy to protect occupants. That inner part ca...
by Teague
Mon Oct 21, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4108

Re: BCBS wont pay lab bill...

And here I thought E. coli was normal in feces... E. coli is indeed normal. However, a bunch of pathogenic E. coli is not. A short blurb from the CDC: Escherichia coli (abbreviated as E. coli) are a large and diverse group of bacteria. Although most strains of E. coli are harmless, others can make ...
by Teague
Mon Oct 21, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Plumbing issue
Replies: 13
Views: 1062

Re: Plumbing issue

What do you see going on when you take the tank lid off and watch as it fills?
by Teague
Fri Oct 18, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1468

Re: How do I store a boat this winter?

A big Thank You! to all who have contributed to this thread, with particular gratitude to those who put exceptional time and effort into some very detailed advice. :happy As for what I will do: I like the idea of a steel carport, but I am having a hard time finding a place to put it without causing ...
by Teague
Wed Oct 16, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: How do I store a boat this winter?
Replies: 20
Views: 1468

How do I store a boat this winter?

Howdy all, I plan to buy a boat. Yes, a hole in water in which to throw money, Break Out Another Thousand, two best days are when buying and when selling, and so on. I expect it to explode in a fiery ball right after purchase, slowly bleed me dry financially, and be the catalyst for a catastrophic l...
by Teague
Wed Oct 16, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4462

Re: Good camera system to watch the babysitter

smitcat wrote:
Wed Oct 16, 2019 2:51 pm

"I would not have worked for a family who had cameras."
You would knot know they were there.
Until little Johnny messes up and spills the beans to the sitter. From there, depending on local laws and mood of the sitter and their parents, things might get interesting.
by Teague
Wed Oct 16, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4462

Re: Good camera system to watch the babysitter

Keep in mind that unless there is a highly unlikely incident (e.g. kid breaks an arm and accuses the baby sitter) you'll be reviewing hour after hour of tremendously boring video in the "hope" of finding something unusual. Multiply those hours by however many cameras are installed.
by Teague
Tue Oct 15, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5978

Re: Replace water heater just because it's old?

Would you replace a 13 year old water heater that seems to be working without any problems? Many say replace every 10-12 years, especially if a leak would be a major problem. Others say wait for symptoms, such as a rusty water, a leak, rumbling. Having you ever seen a hot water heater go? Not in pe...
by Teague
Mon Oct 14, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: How to retrieve measuring stick stuck inside oil delivery pipe?
Replies: 29
Views: 1690

Re: How to retrieve measuring stick stuck inside oil delivery pipe?

Send in a magnetized beaver so you'll be covered for both wooden and ferrous metal dipsticks. And with a bit of training it could retrieve all the lights, tape, magnets, nails, etc. that have accumulated over the years.

I'm with those who suggest calling the fuel supplier for advice.
by Teague
Sun Oct 13, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest in a ski in / ski out condo?
Replies: 50
Views: 5309

Re: Should I invest in a ski in / ski out condo?

This. I liken it to boat ownership and RVs. Can get away a lot cheaper with renting, typically. One big difference is this won't depreciate, though. Really comes down to what kind of money you have/make. If you're a high earner/net worth meh - doesn't really matter. If not, probably matters. Those ...
by Teague
Sun Oct 13, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 14
Views: 1473

Re: Deleted

No one actually answered the questions I posted, so deleting the body of the post. It looks like your question was only up for 3 hours and 10 minutes. It may often take longer than that to get an answer you find useful. Especially on a Sunday morning, many of us may not have even had our morning ca...
by Teague
Sat Oct 12, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1574

Re: Keep car entertainment system with fast clock or get refurbished one?

Ideally, if the OP could exceed the speed of light in the vehicle say 1x per month, in which time would reverse itself, this problem would easily be remedied. Actually that would be even worse. Assuming the correct amount of warp-speed travel, to the OP the clock would still be too far ahead, but t...
by Teague
Thu Oct 10, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3868

Re: Neighbor filming a TV Show

If letter states they will be ending at 10:00 every night then I would make darn sure they did. Talk to crew chief on first day. If they don't stop at 10:00, then call police. I would be out there in the street making a scene after 10:00, but that's just me...and no way anyone would step foot on my...
by Teague
Thu Oct 10, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3868

Re: Neighbor filming a TV Show

Having delt with a fair amout of TV folks I can tell you this...if you ask for the set supervisor and ask nicely they will do damn near anything you want to keep you happy, out of the way and not doing a thing to cause them to spend even 5 extra minutes on the set...the meter is running when on the...
by Teague
Mon Oct 07, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1443

Re: Keeping fleas out of the house

Thankfully we've come a long way from a few decades ago when we had to spray carpets, pets, furniture and everything else, even then for only mediocre results. The current generation of pet flea treatments are remarkably effective and safe. If the dog has been properly treated you should not need to...
by Teague
Mon Oct 07, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3855

Re: Kayaking & Fisherman - What is proper etiquette?

As a side-note: Use care when Kayaking on the Maine Coast. Lobster Boat captains refer to Kayaks as "Speed Bumps" :) Every summer you hear at least a few such incidents: boats don't see kayaks and end up hitting them. Maybe a safer approach is apart from increasing visibility to stay in smaller lak...
by Teague
Mon Oct 07, 2019 12:54 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3855

Re: Kayaking & Fisherman - What is proper etiquette?

theplayer11 wrote:
Sun Oct 06, 2019 9:43 pm
stay away from a fisherman's line at all times...
Presumably OP was indeed away from that line. Several feet above it, in fact.
by Teague
Sun Oct 06, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3855

Re: Kayaking & Fisherman - What is proper etiquette?

Agreed that this should not affect the fisherman as his tackle is on the bottom. Maybe one-gun salute the esteemed fisherman with a waterproof cherry bomb dropped overboard..
by Teague
Sat Oct 05, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2613

Re: 2010 Honda Accord - loud?

A) No, does not happen when I rev the motor and the car is stationary. B) Yes. Putting it in neutral does not affect that noise as long as I am moving a certain speed (say above 35 MPH). C) Different road surfaces obviously make different sounds, but the noise I'm complaining about is there on all ...
by Teague
Sat Oct 05, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2613

Re: 2010 Honda Accord - loud?

A) No, does not happen when I rev the motor and the car is stationary. B) Yes. Putting it in neutral does not affect that noise as long as I am moving a certain speed (say above 35 MPH). C) Different road surfaces obviously make different sounds, but the noise I'm complaining about is there on all ...
by Teague
Fri Oct 04, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: 2010 Honda Accord - loud?
Replies: 31
Views: 2613

Re: 2010 Honda Accord - loud?

Just to make sure I understand what you're saying - Aren't accelerate/decelerate and foot on/off the gas independent? In other words, if I am going down a steep hill, I can take my foot off the gas but be accelerating. Yes indeedy, they certainly can be independent, and confusing as you noted. Whic...