Search found 1444 matches

by Teague
Mon Jun 17, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 47
Views: 1517

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: 44
Views: 3451

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: 2550

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: 3260

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: 2577

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: 63
Views: 3693

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: 2264

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: 3715

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: 3715

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: 1537

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: 826

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: 826

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: 15344

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: 8121

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: 8121

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: 2033

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: 2955

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: 7350

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: 1119

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: 880

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: 880

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: 1713

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: 2371

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: 804

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: 2303

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: 769

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: 3890

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: 3890

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: 3890

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: 7976

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: 7976

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: 1182

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: 20
Views: 2623

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: 41
Views: 3519

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: 3101

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: 6216

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: 3101

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: 3101

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: 3101

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: 3101

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: 44
Views: 3525

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: 6051

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: 2081

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: 4715

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: 2259

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: 2259

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: 2136

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: 4127

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: 1347

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...