Search found 944 matches

by Teague
Tue Apr 24, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 16
Views: 835

Re: Used car dealer-Freight charge

Tell them you charge a $3000 "slimy, lying, predatory car dealer" fee.
by Teague
Mon Apr 23, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 16
Views: 835

Re: Used car dealer-Freight charge

It sounds normal for a used car dealer - in other words, it sounds like they are lying to you. But the practice of doing this? Never heard of it, unless a customer orders a specific car from far away and has it shipped to the car lot.
by Teague
Mon Apr 23, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1152

Re: Question charging smart phones

I think she is right. Actually I know she is because she is your wife - at least that's the way I play it at my house. So here's my limited understanding: Lithium ion batteries would ideally like to be stored about 50% charged. Storage at a higher charge is hard on them. But, storage near discharged...
by Teague
Sun Apr 22, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 580

Re: Question on successor trustee best practice

Basically I was wondering how far down that line of succession - if at all - I need to go when sending letters about the administration of the trust. As I posted above, these are generally known as contingent beneficiaries and state law varies as to the notice they should receive. You need to deter...
by Teague
Sun Apr 22, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 580

Re: Question on successor trustee best practice

... there are also contingent beneficiaries named in case the primary beneficiaries have expired when the funds are distributed. ... That's an unusual contingency. Usually the contingency is surviving the testator, grantor, or a previous beneficiary. Are you sure it's as you describe? I guess I des...
by Teague
Sat Apr 21, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Question on successor trustee best practice
Replies: 8
Views: 580

Question on successor trustee best practice

Greetings, I am named as successor trustee, and the trustor/grantor/current trustee is expected to pass on in the not distant future. I am currently educating myself for this new-to-me role. I have a question: When I am notifying the beneficiaries of things and generally keeping them informed, who d...
by Teague
Fri Apr 20, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 101
Views: 7601

Re: NYT article: Everyone should hire a financial planner

I think I'm going to hang out my own shingle now. Financial adviser selection coach. For a reasonable fee, clients can tell me about their financial wants and needs (or tell me nothing at all, it doesn't really matter.) I will then direct them to a financial adviser, or website, that I deem "suitabl...
by Teague
Fri Apr 20, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 101
Views: 7601

NYT article: Everyone should hire a financial planner

https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage Apparently everyone needs to hire a financial planner. Even financial planners should hire other financial planners. “I liken it to WebMD. You can look ...
by Teague
Thu Apr 19, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Fixing Deadbolt Lock
Replies: 18
Views: 1167

Re: Fixing Deadbolt Lock

You could probably fix it, but it's better to replace since it was getting sticky anyway. Replacement is generally an easy DIY project. They come in different grades as far as longevity goes. It's measured in designed lock-unlock cycles. Yours is probably just worn out, and time for a new one. The c...
by Teague
Wed Apr 18, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 167
Views: 10928

Re: Is Los Angeles a good place long term to live financially?

I understand what I’m trying to do is difficult, and might be overly ambitious for me at this time. BUT I think if I skipped going to school and just moved there, even for just a year, I could have a lot of fun and a great experience. Like I said, I’m thinking around ~5K a month for rent, ~4K a mon...
by Teague
Fri Apr 06, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 4472

Re: What is Megacorp?

adamthesmythe wrote:
Fri Apr 06, 2018 1:20 pm
> Eastman Kodak

Is Eastman Kodak still a thing?
You bet your Kodakcoins it is. Now, whether it should be, is a separate question.
by Teague
Thu Mar 29, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Drip irrigation or pop-up sprayers for garden?
Replies: 19
Views: 1696

Re: Drip irrigation or pop-up sprayers for garden?

I suggest a visit to

https://www.irrigationtutorials.com

For anything related to irrigation design or installation.
by Teague
Tue Mar 27, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8950

Re: Not going to be buying chicken for a while...

I rather enjoy steel-belted radial chicken parts.
by Teague
Tue Mar 20, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2493

Re: Cash Advance on Credit Car for $3K Car

Likewise, I would caution those who think their comments are edgy but not hurtful, that in the working world, there can be legal consequences for this behavior... Look, we're not at work, so I don't buy that one at all. Who's shaming whom at this point? Sheesh. And yes, while we're at it, grow some...
by Teague
Fri Mar 16, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5123

Re: Tires on a 15 year old car....Replace or not?

Would you jump with a used 15 year old parachute even if it looked good? Sure, why not? http://www.parachuteshop.com/parachute_life_limit.htm And I'd have had a good retort for back when my parents asked "So, if all your friends were going to jump off a cliff, I suppose you would too?" Sure, as lon...
by Teague
Fri Mar 16, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 1517

Re: Septic Maintenance Routine

Ah yes, another Boglehead septic thread. Where once again the affluent meet the effluent. The time between pumping will depend on the size of your septic tank and the volume of your, umm, production. Ask your local septic company for their recommendations. Keep in mind their estimate may be more fre...
by Teague
Fri Mar 16, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 1974

Re: Should I join Mensa?

MJW wrote:
Fri Mar 16, 2018 2:38 pm
I am sure this thread will be locked down soon, but I wanted to quickly thank everyone for such a fun start to the afternoon.
No need for thanks - several of us here had already accurately deduced you would post such a comment.

:wink:
by Teague
Fri Mar 16, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 1974

Re: Should I join Mensa?

Meh. Mensa is relatively the short-bus cohort of the "high IQ" population. 1 in 50 people qualify. How about trying for a middle-of-the-road group, like the Triple Nine Society. 1 in 1000 people would qualify. Including I'm sure a good number of Bogleheads. https://en.wikipedia.org/wiki/High_IQ_soci...
by Teague
Thu Mar 15, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5123

Re: Tires on a 15 year old car....Replace or not?

Undoubtedly the rubber has degraded over the years, just how much is unknown and dependent on environment and other factors. The sidewalls may not show cracking simply because the car has not been driven much lately and the sidewalls have not been flexed much because of that. So the tire is undoubte...
by Teague
Wed Mar 14, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6401
Views: 1373378

Re: U.S. stocks in freefall

Just today, the reasoning du-jur from MarketWatch for the nearly 300 point drop was "Treasury Yields are DOWN - which isn't good for stocks" (??). The other day it was "Treasury Yields are UP and approaching 2.9% - the magic number at which stocks will fall due to lower risk alternatives". Every si...
by Teague
Mon Mar 12, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10476

Re: Ok fellow bogleheads, was the correction scary or nothing?

keinodoggy wrote:
Mon Mar 12, 2018 11:17 am
Investing in the market is gambling....
I think they are significantly different.

For most people, over time, gambling has a negative expected return.

For most people, over time, investing has a positive expected return.
by Teague
Sun Mar 11, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Something weird this day came
Replies: 22
Views: 2713

Re: Something weird this day came

This envelope was sent from the future.

That man who looks vaguely familiar? It's you! :shock:
by Teague
Sat Mar 10, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 4756

Re: Consumer Reports Auto Issue Out now

I wish. Modern cars have lots of electronics.
So do commercial airliners. But one hardly ever sees them stuck on the side of the road.
by Teague
Wed Mar 07, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 3997

Re: Cheapest way to get spare car keys

I am saving up for our next car to be a DeLorean, though, which is from the early 80s. :D
There's also one DeLorean that's from November 5, 1955.
by Teague
Thu Mar 01, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Investors Wanted. No Experience Necessary
Replies: 20
Views: 2615

Re: Investors Wanted. No Experience Necessary

Man, I was so hoping for a point in the original post. Sadly, it never materialized. Guess I’m back to playing Keno... JT Since we remain adrift, I'll throw in a personal betting anecdote for good measure. My first time going to the track many years ago, I bet ten dollars on some sort of "pick six"...
by Teague
Thu Mar 01, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4713

Re: Walking shoes for plantar faciatis?

Another endorsement for Superfeet insoles. If you have low arches (fairly likely if you have PF) they have a relatively newer version called "Carbon" that I find well worth the slight extra cost. Also, lay off any stair-stepper machines, hiking up very steep inclines, etc. for a while. A big part of...
by Teague
Thu Mar 01, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8080

Re: 30-Day Minimalist Challenge

The frugalwoods people have 66 acres( https://www.frugalwoods.com/2017/06/28/the-best-and-worst-moments-of-our-first-year-on-the-homestead/ ), they borrow what they can and don't buy tons of stuff to maintain the homestead. It's possible to live simply in the country or its possible live in service...
by Teague
Wed Feb 28, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8080

Re: 30-Day Minimalist Challenge

I've not read the Kondo book, mentioned above, so I'm sure there is much I don't understand about that philosophy. I think it says something like "get rid of things that do not give you joy." I live on a couple of acres in the country, which gives me joy. So I won't give away the house, I suppose. B...
by Teague
Mon Feb 26, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9362

Re: Blasphemy... DO PEEK!

Maybe it's right, maybe it's wrong. But who's to judge? I don't usually talk about it because many would ridicule me. Some might refuse to associate with me any longer. So I keep it hidden, mostly. Many would say my behavior is aberrant, but I suspect it is far more common than many suspect. I've tr...
by Teague
Fri Feb 23, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3497

Re: I week in California, Road Trip Planning

Really nothing interesting to see in Sac. Most Californians just drive past Sac on the way to Tahoe.
Which is pretty much the premise of the recent (very good BTW) movie Lady Bird. But if you do wind up in Sacramento, visit the California State Railway Museum.
by Teague
Fri Feb 23, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 64
Views: 3497

Re: I week in California, Road Trip Planning

In San Diego the Wild Animal Park and SD Zoo are both awesome. La Jolla Shores is beautiful and reliably has world class sunsets. The Cabrillo National monument, particularly at low tide, is wonderful. Tour the USS Midway. Check out Old Town for Mexican food. The Torrey Pines Glider port is amazing,...
by Teague
Wed Feb 21, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 150
Views: 11975

Re: What big item (>20k) are you saving up for?

A new water well. Right around $20K.
by Teague
Wed Feb 21, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 985

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

Despite my prior experiences with Fiat "reliability," I will grant that 110K trouble-free miles is a noble achievement.

I will be checking my morning toast for images of Sergio Marchionne.
by Teague
Wed Feb 21, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 985

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

rec7 wrote:
Wed Feb 21, 2018 5:29 pm
Must be ok they picked up the pope in one when he was here in the US.
Or they needed divine intervention in their CQI program.
by Teague
Wed Feb 21, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 43
Views: 4818

Re: Costco 'Goodyear' wiper blades

What is your secret to long blade life? I regard the wiper and the surface being wiped as a system. When replacing wiper blades, I meticulously clean the windshield - any area the blade may contact. I carefully feel the windshield surface, and remove any tree sap, bug crud, etc. A single-edged razo...
by Teague
Tue Feb 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6330

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: 2892

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: 2892

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: 33
Views: 3459

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: 6084

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: 287
Views: 19732

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: 1016

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: 1629

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: 3682

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: 280
Views: 17655

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: 280
Views: 17655

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: 6401
Views: 1373378

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: 672

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: 101
Views: 8632

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: 1601

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.