Search found 909 matches

by Teague
Tue Feb 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 45
Views: 3678

Re: Sams Club vs Costco

I've seen a few of these threads over the few years I've been on the forum. Typically there is a cohort who states Costco has better quality items, and another cohort stating that the items are basically the same. I've never seen an argument that Sam's has better quality than Costco. I have a member...
by Teague
Tue Feb 20, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2606

Re: Repairing Stucco: A Case of Contractor Gouging

There is also likely a difference in the expected quality of a repair in a cheap neighborhood vs. a pricey neighborhood. For my house, I did a small stucco repair myself (where I had replaced a window, and damaged a corner of the cutout with my less-than-perfect Sawzall technique. Essentially the Sa...
by Teague
Tue Feb 20, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2606

Re: Repairing Stucco: A Case of Contractor Gouging

OP here... And I'm tired of tradesmen looking at my neighborhood, my house, my car, or my wife , and assuming that money must mean nothing to me, so they think they can demand more of it as I must be some sort of a silk-cravat-wearing Thurston Howell III that won't stoop to learning a new skill and...
by Teague
Tue Feb 20, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: J. Montier: US equity market is obscenely overvalued
Replies: 12
Views: 1332

Re: J. Montier: US equity market is obscenely overvalued

Perhaps the gentleman's opinion is greatly overvalued.
by Teague
Wed Feb 14, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: In plain English, please explain what was VIX, what happened to it and why?
Replies: 68
Views: 5774

Re: In plain English, please explain what was VIX, what happened to it and why?

Is volility different from volatility? That's where I am confused. Just for the record, I went to my Oxford English Dictionary, second edition, to check. The unabridged one with 20 volumes that takes up 4.5 feet of shelf space. I keep it around for pressing emergencies such as this. Sorry, no "voli...
by Teague
Thu Feb 08, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 240
Views: 15243

Re: free dinner investing seminar

When I was younger and a bit more adventurous, I and a friend were hit up on the streets in Honolulu for a timeshare presentation. The prize for enduring the pitch was a catamaran dinner cruise. I instructed my friend (whom the sales force mistook for my spouse, and I did not correct them) to say no...
by Teague
Tue Feb 06, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Air Source Heat Pump as hedge against future expenses
Replies: 13
Views: 937

Re: Air Source Heat Pump as hedge against future expenses

How cold does it get there? The areas I'm aware of where fuel oil heating is common it gets pretty darned cold. Heat pumps work less well as the temperature gets colder, particularly air source heat pumps.
by Teague
Tue Feb 06, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Equanimity is what it's all about.
Replies: 22
Views: 1565

Re: Equanimity is what it's all about.

Wikipedia defines "equanimity" as "a state of psychological stability and composure which is undisturbed by experience of or exposure to emotions, pain, or other phenomena that may cause others to lose the balance of their mind." You will experience equanimity when your portfolio is evenly balanced...
by Teague
Mon Feb 05, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3580

Re: Calling it right now.

And here's how they could do it. GE is the leading manufacturer of diesel-electric locomotives, with about 60% market share. When braking, these locomotives reverse the function of the traction motors, which then convert huge amounts of kinetic energy into electricity, something like 700 amps at 600...
by Teague
Sun Feb 04, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14378

Re: For BHs who actually like cars - what is your daily driver?

... I like learning about them. I like learning how they work and how to fix them. ...

I drive an older Explorer.
As a fellow owner of an older Explorer, you've picked the right car to fulfill those aspirations.
by Teague
Sat Feb 03, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14378

Re: For BHs who actually like cars - what is your daily driver?

Bacchus01 wrote:
Sat Feb 03, 2018 2:53 pm
17 Grand Cherokee Trailhawk. Black on black.

Bought in August and I am just under 18K miles. I commute and drive about 30K per year.

The fuel mileage is not even close to its rating, but I probably drive too fast on the highway
Also a Grand Cherokee Trailhawk -a Swiss Army Knife of a car.
by Teague
Tue Jan 30, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262342

Re: U.S. stocks in freefall

Construction crew spied this a.m. replacing Wall Street Charging Bull statue with bronze work depicting Four Horsemen of the Apocalypse;

https://en.wikipedia.org/wiki/Charging_Bull
by Teague
Mon Jan 29, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: goals met, anticipating a major correction, how can we freeze pensions?
Replies: 4
Views: 633

Re: goals met, anticipating a major correction, how can we freeze pensions?

We are in our early 50s, still working , worked for 30 years. So far so good! Looking to get out. I don't understand - looking to get out of work, like quitting, or looking to get out of the stock market, or something else? Our pension goals are met Not sure what you mean by pension here. Do you me...
by Teague
Mon Jan 29, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6583

Re: Neighbor recently burgalerized - Suggestions for home security

Remember the joke about the two guys coming across a hungry bear? You don't have to run quicker than the bear, just quicker than the other guy. Make your house harder to burglarize than others nearby. Security doors all around. Pin the hinges. Or add a second (metal screen security) door in front of...
by Teague
Sun Jan 28, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 1525

Re: San Diego for 3-4 Days for a Couple

Pack a picnic for watching a typically spectacular sunset at Sunset Cliffs or above La Jolla Cove.

If you do Cabrillo Monument (good) check tide tables. You want low tide to better appreciate the amazing tide pools.
by Teague
Fri Jan 26, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 2564

Re: What kind of skilled casual work is out there (US)?

OP, You mention such jobs seem uncommon in the US. I would agree. Allow me to reverse the question please: Are there places you know of where such work is common? If so, what sort of work, and where is it available? You mention construction and some restaurant workers, but I am not aware of being ab...
by Teague
Thu Jan 25, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5455

Re: Exterminator Accidently Sprayed our Home

Any advice on who to report this to besides BBB? Thank you! Depends on your state. In California it would be the Department of Pesticide Regulation. In a different state, of course it would be a different agency. The applicator was casual about this because it's not a big deal, if any deal at all, ...
by Teague
Thu Jan 25, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5455

Re: Exterminator Accidently Sprayed our Home

Here's what you do: Get a list of chemicals used by the pest control company. The actual chemical names and concentrations are better than just the brand names of the substances used, but the brand names will do. Better yet, when you call get both the brand name and the chemical name. Ideally, you w...
by Teague
Thu Jan 25, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Shiny spots on ceiling - what could they be?
Replies: 14
Views: 1285

Re: Shiny spots on ceiling - what could they be?

Drywall is attached to walls and ceilings with drywall screws. Typically drywall tape and / or drywall compound covers this, then texturing is applied to (hopefully) match the existing texture. Then the paint goes on. If I had to guess, I'd think you are seeing where the drywall screws were placed, ...
by Teague
Mon Jan 22, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 32
Views: 2084

Re: Swing Shift vs 8-5

Been there, done that. A few thoughts: -With a growing family they will be trying to keep quiet while you are getting some sleep. That's stressful on everyone. -If your day off comes after working late hours, you may simply be too tired to do anything that day, and maybe the next day too. -It will b...
by Teague
Fri Jan 19, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Potassium Tablets
Replies: 6
Views: 672

Re: Potassium Tablets

The Hawaii false alert was crazy. A friend randomly remarked that she was stockpiling lots of potassium iodide tablets. I had not known what they were for. Does it make sense to buy some as part of an emergency kit? Well, they are cheap, so that's good. On the other hand, they only protect from one...
by Teague
Thu Jan 18, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 2139

Re: Premium gas at BJ's for Mercedes

As for #1..the gas stations are license to do what they do..hold and pump gas. I don't doubt that any formulation/additive batching on premise would require a whole other set of regulations, air permit assessment.. etc as it's a separate process. Doesn't matter..not worth debating..it isn't done an...
by Teague
Sun Jan 14, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 22
Views: 2346

Re: Daughter Med School Money 100K where to Put it

What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedback... sheesh. Yeah, I didn't understand th...
by Teague
Sun Jan 14, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 22
Views: 2346

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by Teague
Sun Jan 14, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 22
Views: 2346

Re: Daughter Med School Money 100K where to Put it

If her GPA is 3.0- go ahead and spend it. What is the logic behind this? What makes you think her GPA is "3.0-"? She finished college a year early, so a sub-3.0 GPA sounds unlikely. Or was this supposed to be a tongue-in-cheek comment? If so, I don't find it very funny. Thanks for the valued feedba...
by Teague
Sun Jan 14, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter Med School Money 100K where to Put it
Replies: 22
Views: 2346

Re: Daughter Med School Money 100K where to Put it

If her GPA is 4.0+ put it in CD's or similar.

If her GPA is 3.0- go ahead and spend it.
by Teague
Sun Jan 14, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc question
Replies: 5
Views: 566

Re: Firecalc question

OK, good to know that. So if Somebody is able to be in The situation that fireCalc gives them 90% or more Success rate with a 3 to 3.5% real ROR , 10% std deviation and 3.5 to 4% SWR , that would probably mean, barring something completely horrible , they should be OK That sounds reasonable to me, ...
by Teague
Sun Jan 14, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8093

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

The brother of a neighbor had a history of driving under the influence, and his (third? fourth? fifth? I'm not sure) case was pending. His only hope of minimizing his jail time was to hire the best lawyer in town for this sort of thing. The lawyer demanded $10,000 cash up front to take the case.
by Teague
Sun Jan 14, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2262

Re: Do you correct cashier mistakes?

Yes..I was at Walmart had a 100 and pulled it out. but found a 10 so gave him that. We were talking. He gave me change for a 100. Told him about it and gave him the money back. This kind of thing can get a cashier fired, good for you for doing the right thing. Yes, and in my state a cashier is held...
by Teague
Sat Jan 13, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Firing real estate agent after offer made?
Replies: 29
Views: 3268

Re: Firing real estate agent after offer made?

fantasytensai wrote:
Sat Jan 13, 2018 6:49 pm
Can I seriously not fire such an incompetent and unmotivated agent without the legal process?
You've stated you are a lawyer, and you are asking us?
by Teague
Sat Jan 13, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 2697

Re: AirBnB my Van?

So it will be parked. But could there be another option if the weather is really nice?

Like, starry night. Van go?
by Teague
Sat Jan 13, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3508

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Since many employer plans seem to cover the employee/family until the end of the month of termination, maybe you should try to leave one employer well before the end of the month to have continued coverage. This. Old employer coverage is effective through end of the month employee leaves. New emplo...
by Teague
Sat Jan 13, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8310

Re: Kodakcoin

Dedicated to the folks in the Eastman Kodak C-suite: (with profound apologies to Paul Simon) When I think back on all the beer we drank in B-school It’s a wonder we’re employed at all And though a lack of fiscal prudence hasn’t hurt us none Can we postpone this quarterly call? KodaKCoin It gives us ...
by Teague
Thu Jan 11, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4792

Re: A half year off at full pay or a full year off at half pay?

Assuming benefits include a pension, and further assuming the pension is calculated with the common factors of age, salary, and years of service, I'd be tempted to take the full year. My reasoning follows: At the end of the full year off, you will have accrued a full service year, as opposed to 1/2 ...
by Teague
Thu Jan 11, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis of periodic pension payments
Replies: 9
Views: 267

Re: Cost basis of periodic pension payments

IRS publications regarding pension payments do refer to subtracting costs from the payments. I also thought it was a stretch, but I've been surprised before by some of the tax provisions regarding various plans. Well, if it works, let me know. Heck, I could say I could have retired when I turned 80...
by Teague
Thu Jan 11, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis of periodic pension payments
Replies: 9
Views: 267

Re: Cost basis of periodic pension payments

I took an early retirement offer that included a reduction in the monthly payment for early distribution of periodic defined pension payments. The pension was wholly funded by the employer. I did not make any contributions. Can I claim the reduction ("lost" payment) as a cost, reducing the amount o...
by Teague
Wed Jan 10, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1743

Re: Latest generation RAM 1500's

I have a 2014 Ram 1500, V8, "Outdoorsman" trim crew 4WD. It tows like a dream. The multilink rear suspension rides very well (so smooth I firmed it up with a beefier rear anti-sway bar to decrease body roll.) Acceleration is great. The ZF 8 speed transmission is really the star of the show. Gas mile...
by Teague
Wed Jan 10, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5073

Re: Letter from Social Security re Fraudulent Claim

Or maybe the OP has a Hispanic or Middle Eastern name and someone in the office is just hassling people by sending out these letters. The person sending the letters does not have to be the person mentioned in the letter to ask for in the office. I'll bite. What does the original poster's (OP) ethni...
by Teague
Wed Jan 10, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8310

Re: Kodakcoin

Time for SearsCoin. RadioShackoin. JCPennyCoin. KMartCoin. And various other HailMaryCoins.
by Teague
Wed Jan 10, 2018 6:09 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8310

Re: Kodakcoin

Didn't Paul Simon do a song about this way back when? Are there any schemes combining multi-level marketing and cryptocurrency yet? If not, that must be next. Bitconnect. It's advertised on YouTube a lot. http://behindmlm.com/mlm-reviews/bitconnect-review-bitconnect-coin-pump-dump-with-ponzi-rois/ ...
by Teague
Wed Jan 10, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5073

Re: Letter from Social Security re Fraudulent Claim

Setting OP up for a burglary while they are out? But surely there are easier ways to make a buck than watch someone for a few weeks to see if they are heading to the SSA office, and not just to the corner market etc. where they will return in 5 minutes. Still doesn't make sense. So maybe the letter ...
by Teague
Wed Jan 10, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 54
Views: 5073

Re: Letter from Social Security re Fraudulent Claim

This is very strange. If it's real, I can't imaging the SSA taking this approach (no appointment, contact person appears to have retired, etc.)

If it's fake, I can't imagine what a scammer is hoping to accomplish.
by Teague
Wed Jan 10, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8310

Re: Kodakcoin

Didn't Paul Simon do a song about this way back when?

Are there any schemes combining multi-level marketing and cryptocurrency yet? If not, that must be next.
by Teague
Wed Jan 10, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1534

Re: FIRECALC Question

I've found that interesting, as well. I have my investments with Fidelity, and use their retirement planner... ...I think this makes sense, as the significantly below average market return probably assumes equity returns close to a long term bond rate, where the higher averages benefit from the gre...
by Teague
Tue Jan 09, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7112

Re: Are Password Managers Really Necessary?

For those concerned that someone will find my paper with all my passwords, don't be. I mentioned that everything is coded. So my Bogleheads account might be listed on the paper as **&G583 and the password 11111111&. I know what it means. You don't. It's completely non-obvious, so even if someone ge...
by Teague
Tue Jan 09, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1534

Re: FIRECALC Question

Thanks....I will think very differently about asset allocation for retirement. It seems like for a very long time frame between 70/30 and 75/25 stocks/bonds really does have the highest success rate, based on long-term historical trends. Highest expected success rate is not the same as highest succ...
by Teague
Mon Jan 08, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECALC Question
Replies: 12
Views: 1534

Re: FIRECALC Question

There is a tab near the top that says "your portfolio."

Click on that, look for the part that starts with "Percentage of your portfolio that is in equities, versus fixed income? " and chose your allocation as you wish. Then run the program.
by Teague
Mon Jan 08, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7112

Re: Are Password Managers Really Necessary?

My "password manager" is a piece of paper with my various usernames and passwords written on it. This is folded over once (my version of encryption) and tucked in a drawer with a bunch of boring paperwork in it. ... Con: It is not terribly portable. But I do any important transactions from home any...
by Teague
Mon Jan 08, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7112

Re: Are Password Managers Really Necessary?

My "password manager" is a piece of paper with my various usernames and passwords written on it. This is folded over once (my version of encryption) and tucked in a drawer with a bunch of boring paperwork in it. Pro: I don't have to worry about the security of the algorithm, or unknown back door vul...