Search found 1262 matches

by Teague
Tue Jan 22, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 39
Views: 1211

Re: Recommendation for pickup truck?

Pickup trucks are good for two things: hauling and towing. That isn't quite right. Pickups are for LENDING. When you own a pickup, everyone wants to borrow it. My dad owned one and that's mostly what it was used for. Oh, and for getting dented and scratched and generally uncared for by those borrow...
by Teague
Mon Jan 21, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Is it ever worth purchasing an extended warranty for a vehicle?
Replies: 69
Views: 3119

Re: Is it ever worth purchasing an extended warranty for a vehicle?

The problem is you don't know if it's worth it until you sell the car. Maybe, it is, maybe not. On the aggregate, it's not a great bet. But maybe it will be a great deal in your specific case. Who knows?
by Teague
Sat Jan 19, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 99
Views: 4717

Re: What is a Boglehead funeral/burial?

Arrangements should be carefully shopped for and arranged in advance. Seek out direct-to-consumer products for headstones, caskets, urns, etc. when possible. Keep things as basic as personal and family beliefs and traditions allow. Finally, any hearse should be a 2-3 year old used Corolla.
by Teague
Thu Jan 17, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: How to clean DSLR camera lens?
Replies: 9
Views: 533

Re: How to clean DSLR camera lens?

As gently as possible. I'll start with blowing, then brushing with a soft brush if needed. There is a product made for just this. Keep in mind the glass has a thin but important optical coating on it that you do not want to scratch. Also know that a little dirt on the front element usually isn't vis...
by Teague
Tue Jan 15, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2754

Re: School staff threatened to call social worker

They are going to call a social worker? There's a completely over-the-top employee and/or local policy there. Fine, you're going to call a social worker, then I'm going to call the local TV news about our rather fascist threatening school policy. All of the TV news stations, in fact. And the school ...
by Teague
Tue Jan 15, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5073

Re: PG&E Bonds

AlohaJoe wrote:
Mon Jan 14, 2019 7:03 pm
... So maybe it will fall another 25% tomorrow.
Remarkably accurate, down 26% today so far.
by Teague
Mon Jan 14, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5073

Re: PG&E Bonds

dalbright wrote:
Mon Jan 14, 2019 9:47 am
Also looks like you might get to see what happens in real time since PG&E just announced it would file for bankruptcy this morning...
And their stock is down about 50% at the moment.
by Teague
Sun Jan 13, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1089

Re: Tips for online photography course?

One of the best ways to improve your photography is to learn to control and use light to your best advantage. That background is really key, and worth highlighting. A good way to start learning about light is to learn to use a flash intelligently. A great place to do that is here: http://strobist.bl...
by Teague
Sun Jan 13, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1089

Re: Tips for online photography course?

Some courses are very broad, some are very specific. This applies both to online courses and in-person seminars. What is it, specifically, that you are unable to accomplish now that you would like to be able to, and why do you want to be able to do that? By "specifically" I don't mean general stuff ...
by Teague
Sat Jan 12, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

toofache32 wrote:
Sat Jan 12, 2019 7:01 pm
Image
Another way to interpret that chart is that the supply of U.S. physicians has been kept artificially low.
by Teague
Sat Jan 12, 2019 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: 4 cents left in traditional IRA after Backdoor Roth
Replies: 13
Views: 1228

Re: 4 cents left in traditional IRA after Backdoor Roth

1¢ domestic equities
1¢ international equities
2¢ bonds

Pretty risky with so much to international, I know.
by Teague
Fri Jan 11, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Geico auto - used parts??
Replies: 26
Views: 1466

Re: Geico auto - used parts??

Your car is made up of a collection of used parts. If an accident results in a bent or broken "part X" that needs replacement, why not replace with a like kind and quality undamaged but used "part X ?" Why would one need a brand new "part X" bolted on to an otherwise used car?
by Teague
Fri Jan 11, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789616

Re: U.S. stocks in free fall

Gufomel wrote:
Fri Jan 11, 2019 1:04 pm
Sure is quiet in here.
Now you've gone and jinxed it. Just you watch - the market will start fluctuating any time now. Should have left well enough alone. But no, now it's guaranteed to start going up and down.
by Teague
Fri Jan 11, 2019 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Good calculators available?
Replies: 7
Views: 807

Re: Good calculators available?

There are lots of good calculators out there. You can take a look here:
https://www.bogleheads.org/wiki/Retirem ... d_spending

Of course, the problem is that there are no great calculators out there, because no one knows how to predict the future very well.
by Teague
Thu Jan 10, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: Simultaneous undershirt discussions - Market Indicator?
Replies: 21
Views: 1472

Re: Simultaneous undershirt discussions - Market Indicator?

Be very careful. Such discussions are filled with investors who have lost their shirts.
by Teague
Thu Jan 10, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1555

Re: Cleaning Car Battery Terminals

For Pete's sake put goggles (or something) over your eyes before cleaning the terminals. Battery corrosion has this almost magical way of winding up in one's eyes, and it's quite corrosive to the eye tissues.
by Teague
Thu Jan 10, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

In my experience, mris are vastly superior to x-rays when diagnosing ortho problems. Unfortunately, that's not as generalizable as one may think. For example, a foot orthopedist might say a weight-bearing x-ray is usually superior to an MRI. It's very specific to the patient and their condition, in...
by Teague
Wed Jan 09, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

I think you should also keep in mind that sometimes a knee problem could be something that surgery wouldn't help, so a orthopedic surgeon really wouldn't be necessary for treatment. It could be something like arthritis which, while painful, wouldn't necessarily be helped by surgery. Best to get dia...
by Teague
Wed Jan 09, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3034

Re: Expensive DSLR through airport security

One time my bag full of lenses, flashes, camera body, etc. in a roll-on really caught the TSA's attention. Not sure why, there was no rocket blower in there. They opened it, swabbed it for explosive residue, sniffed it, asked me some questions, and generally made me feel like a junior terrorist by t...
by Teague
Mon Jan 07, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Insurance question, DDS 2nd opinion covered?
Replies: 6
Views: 365

Insurance question, DDS 2nd opinion covered?

Hi all, My minor child just had a dental exam with xrays at a new-to-us provider, and a treatment plan was formulated. For various reasons I'm not thrilled with this practice (including their intention to fill a remarkable number of teeth and prophylactically extract all four asymptomatic 3rd molars...
by Teague
Mon Jan 07, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1395

Re: DIY question - leaky faucet - change stem valve or o-rings?

As to original question, I learned long ago, that when plumbing fixtures get worked on, especially if something has worn out, there is a good likelihood that something else will get damaged in the process. Agreed, which is why I never begin a plumbing project late in the day or on a holiday. There ...
by Teague
Sun Jan 06, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7342

Re: Engagement Ring (Affordable)

Congratulations! And good luck. It might make you feel better about the expense of the engagement ring you're supposed to buy for her, if she were to buy you a gift for yourself of roughly equal value. I don't know the kinds of things that would interest you, but some ideas off the top of my head a...
by Teague
Sat Jan 05, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig lens rentals? [camera lens]
Replies: 10
Views: 1004

Re: Side gig lens rentals?

Terrible idea, sorry to say, but you did ask for thoughts. The above points are spot on. As a photographer, when would I rent a lens? When I really needed one I don't already have (and yes, I have that 70-200 2.8 you mention, and an 80-200 2.8, and several others, and so do lots of other folks.) So ...
by Teague
Fri Jan 04, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2682

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

So does this mean new high tech features are less reliable than the technology they replace? I can imagine the sales pitch from a few decades ago. "You need the extended warranty because this new-fangled electronic fuel injection and electronic ignition are probably less reliable than the tried-and-...
by Teague
Fri Jan 04, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7342

Re: Engagement Ring (Affordable)

Shame it’s become such a social pressure/competition for people. My girlfriend’s brother just dropped 15k on a ring that looks pretty meh, which terrified me haha I'm not sure the social pressure exists if you don't allow it to, but I am sure the diamond companies' attempts at pressuring potential ...
by Teague
Wed Jan 02, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

lexie2000 wrote:
Wed Jan 02, 2019 10:01 pm
Good N Plenty!! LOL
Well, I like those too! But they're just not what I've been searching for it seems. The last time I saw them on a shelf, I noticed a bearded older gent in a robe standing nearby. And I suddenly had a strong thought that "These are not the candies you're looking for."
by Teague
Wed Jan 02, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

Thanks to all who have suggested Scandinavian, Nordic, and Dutch licorice. I'd tried one brand that had a rather off taste, but I will seek out others and give it another go. Yes, I am thinking that my genetics (50% Scandinavian) may be contributing to my taste preferences. I was not raised on smoke...
by Teague
Wed Jan 02, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

wstrdg wrote:
Wed Jan 02, 2019 4:51 pm
Definitely try Scandinavian salt licorice. It's nothing like the taste of American candy. See this article on how Iceland got hooked on licorice: https://www.atlasobscura.com/articles/iceland-licorice

You'll love it! :D
Wonderful article. Thank you! :happy
by Teague
Wed Jan 02, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

I'm a fan of strong anise flavor rather than licorice flavor. Switzer's licorice bites were my longtime favorite. Now nearly impossible to find, I did locate some at the Cracker Barrel a couple years ago. Not quite the same as I remember it, but still pretty good. So hard to stop eating them once t...
by Teague
Wed Jan 02, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

Why not just chug anise oil? It is not difficult to make your own candy. Who knows? Maybe there is a market for ultra strong anise candy that you are missing out on? Well, anethole, that is the essential component found in anise. https://en.wikipedia.org/wiki/Anise Now, glycyrrhizin, that is the es...
by Teague
Wed Jan 02, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Black licorice fans - suggestions?

Happy new year all. :happy I am looking for suggestions for full-flavored (strong) black licorice products. Twizzlers and other such weak-kneed vague attempts need not apply. The products I have tried so far have each been deficient in some respect, with some better than others. Following are my imp...
by Teague
Sun Dec 30, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: University Alumni Associations—Any Value?
Replies: 19
Views: 1794

Re: University Alumni Associations—Any Value?

I'd consider access to full-text medical journals well worth the $50-100 (?) yearly cost. Assuming you would have access to those. Particularly as one grows older and develops focused interest in one's own maladies. Even if your degree was not in the sciences, presumably you were taught critical thi...
by Teague
Sat Dec 29, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1039

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. This has absolutely nothing to do with the question. But please feel free to pat yourself on the back. ...
by Teague
Fri Dec 28, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1039

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. I've actually been quite happy about the electricity costs associated with heating our hot tub. During ...
by Teague
Fri Dec 28, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1039

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. This has absolutely nothing to do with the question. But please feel free to pat yourself on the back. ...
by Teague
Fri Dec 28, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1039

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump.
by Teague
Fri Dec 28, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

I think one thing that has been over looked is the throaty sound of a car that uses the left hand to start and has an illuminated word “turbo” as you get into it. Pure pleasure and you haven’t even backed out of the driveway. :beer Also overlooked is a lumpy big cam idle. Lots of fast and fancy car...
by Teague
Fri Dec 28, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: How accurate are stock return forecasts?
Replies: 23
Views: 1234

Re: How accurate are stock return forecasts?

I think many folks would agree that longer term forecasts tend to be more accurate than short term forecasts. And I think many folks would agree that even the longer term forecasts aren't all that good. The problem is there is so much variance (not sure if that's the best term here) or so much +/- r...
by Teague
Fri Dec 28, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8116

Re: Saving at Costco

I spend a lot at Costco. I like Costco. I've concluded that Costco does not save me money on the whole, but shopping there has raised my standard of living . I'm willing to trade some of my money for that result. How? I am genuinely curious. Standard of living as measured by quality and type of con...
by Teague
Fri Dec 28, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2369

Re: Why do people buy- performance cars?

Ependytis wrote:
Fri Dec 28, 2018 4:22 pm
Why do people buy performance cars? As my dad said, you can only go the speed limit.
Your dad was mistaken. :D
by Teague
Fri Dec 28, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8116

Re: Saving at Costco

I spend a lot at Costco. I like Costco. I've concluded that Costco does not save me money on the whole, but shopping there has raised my standard of living. I'm willing to trade some of my money for that result.
by Teague
Fri Dec 28, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: For the dentists: problems with orthodontist
Replies: 2
Views: 620

Re: For the dentists: problems with orthodontist

Welcome. If I were a dentist, and I'm not, I wouldn't be willing to risk my reputation or worse should something go wrong. Or in this case, more wrong than it already has. I realize that this board is anonymous, but I have no idea what information may be subpoenaed under what circumstances. But good...
by Teague
Fri Dec 28, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to monitor elderly parents' finances to protect them from fraud
Replies: 15
Views: 666

Re: How to monitor elderly parents' finances to protect them from fraud

While you're at it, make sure to give your parents read-only access to all of your finances. Though you've undoubtedly come a long way, your relative youthful naiveté may make you vulnerable to scams and cons that your parents are aware of by virtue of their greater experience.
by Teague
Thu Dec 27, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 2358

Re: Remove damaged coating from prescription glasses

Dear Boglers, I have worn glasses my whole life. 8-) Recently I have moved to "progressive lenses" which are like bifocals and cost the better part of a thousand dollars. :moneybag My prescription changes very little year-to-year, but every two years my glasses would become unusable due to the non-...
by Teague
Thu Dec 27, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4893

Re: Why call them "losses" when you still own the shares?

Why call it a loss when your share prices decrease? Well, actually, the good news is that you don't have to call that a loss at all!

The thing is, though, pretty much the rest of the world will call that a loss. Particularly anyone you may want to sell those shares to.
by Teague
Tue Dec 25, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400056

Re: What are you up YTD? [Year To Date]

Merry Christmas.

Am I still a believer in bull markets?
Yes sir.
Because at my age, it's marginal, right?
Yes sir.
by Teague
Tue Dec 25, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9739

Re: Are we officially in bear market ?

A binary system of bear vs. bull seems insufficiently granular for modern times. Shouldn't we enlist a broad selection from the animal kingdom in an updated model? High-frequency traders could incorporate flora as well as fauna into their algorithms. I do have some trepidation about this, though. Be...
by Teague
Fri Dec 21, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9765

Re: When did the musicians on the titanic realize their fate?

I think no one really likes to see their portfolio declining, so I'd guess everyone worries just a tad when it goes down significantly, whether they admit it or not. Some worry earlier in the decline, or worry more than others. And everyone would like it if all of their investments increased in valu...