Search found 85 matches

by Selu Gadu
Sat Jan 13, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 5681

Re: Almost a pathological fear of debt, to my detriment?

I'm like you. When I had a mortgage, I prepaid principal each month and then when the balance got down to a certain level I just paid it off. Do what makes you comfortable, even if there's a financial advantage to do otherwise. +1 We retired debt free and it has been key to successful retirement fo...
by Selu Gadu
Sat Jan 13, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1953

Re: Replacement Suggestions For Microwave Oven

Thanks to everyone for their responses, I can count on the board to come up with interesting comments, helpful tips, etc. We will likely go the Lowes/Walmart route in the next week or two. My experience with my mom's (newer) microwave is similar to many responses along the lines of "it has a lot of ...
by Selu Gadu
Fri Jan 12, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1953

Replacement Suggestions For Microwave Oven

After 30+ years our little microwave oven has begun intermittently tripping the breaker. Reset the breaker and it will run fine for 2-3 weeks. My wife is arguing for a replacement based on the likelihood that a newer unit will have features the old one lacks (she hates the mechanical timer that is c...
by Selu Gadu
Sat Nov 11, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1565

Re: Auto Transport From Florida to Oklahoma.

Finally decided to use Mercury Auto Transport. They wanted a credit card over the phone which I gave them and then the fun started. Their fee was $325 off the top and the cost of transport was $1075. They wanted me to send my credit card information by unsecure e-mail in a Transport Service Agreemen...
by Selu Gadu
Sun Oct 15, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1565

Re: Auto Transport From Florida to Oklahoma.

goblue100 wrote:
Sun Oct 15, 2017 1:24 pm
Might be worth a try.
https://www.uship.com/
Thanks for the tip, checked them out and they are basically a broker. Cost estimate was quick and easy, in the ballpark so will keep the estimates in hand , do due diligence and pick one.
by Selu Gadu
Sun Oct 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1565

Re: Auto Transport From Florida to Oklahoma.

Could you have someone locally in Florida drive it a bit to see whether is might be worth transporting? I don't know the costs or risks, but might towing it be an option? I will be driving it for the next couple of weeks around town, I am in Florida now. I drove my Nissan Versa down here and checke...
by Selu Gadu
Sun Oct 15, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1565

Re: Auto Transport From Florida to Oklahoma.

Thanks to everyone for their comments. Oklahoma values this vehicle at $5500 for registration purposes, I think $2500 is closer to the actual value. The truck is very low mileage, less than 5K miles if I recall. My current truck is a 1964 Chevrolet 1/2 ton with a full size bed, driven less than 1K m...
by Selu Gadu
Fri Oct 13, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Auto Transport From Florida to Oklahoma.
Replies: 12
Views: 1565

Auto Transport From Florida to Oklahoma.

Inherited my father's 2004 Ford Ranger. It still runs but has sat idle for over 4 years and I don't want to risk putting it on the road for the 900 mile trip home. I would like to have a company transport it to my local Ford dealer in Oklahoma (it has the air bag recall needing done) some time in th...
by Selu Gadu
Sat Feb 18, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Spora Ransomware (back up your files)
Replies: 5
Views: 1408

Re: Spora Ransomware (back up your files)

[quote="alpine_boglehead"]Thanks for the reminder. I can only second that you should back up your files There's many more reasons to do regular backups including potential hardware failures (your harddrive will eventually fail, the question is only when), software glitches, you yourself inadvertentl...
by Selu Gadu
Wed Dec 21, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 19340

Re: How old is your vehicle?

2014 Honda CRV 31,000 miles - runs new 2014 Ford F-150 26,000 miles - runs new - replaced a 1997 250 w/340,000 miles 1930 Ford Model A Town Sedan - restoration 90 % finished - every piece/part refurbished or replaced - miles unknown 1931 Ford Model A Town Sedan - older restoration - 70k or 170k or ...
by Selu Gadu
Sun Dec 18, 2016 7:54 am
Forum: Investing - Theory, News & General
Topic: Swedroe: "OK to sin...but sin only a little"
Replies: 51
Views: 7557

Re: Swedroe: "OK to sin...but sin only a little"

17% em, 28% developed. I am in compliance. But I have a small and value tilt for extra excitement. IMHO, excitement is over-rated. Full disclosure: I snuck in total international stock and bond indexes just to watch them wiggle, may change my mind next year when rebalance time hits and still sleepi...
by Selu Gadu
Fri Nov 04, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Why can't stocks be deterministically/objectively/mechanically priced?
Replies: 75
Views: 6331

Re: Why can't stocks be deterministically/objectively/mechanically priced?

Anything can be priced by any mechanism you choose. If you go with a deterministic model for pricing you will have to eliminate that messy business with markets and human beings.
by Selu Gadu
Thu Oct 13, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help my father with AXA Accumulator Elite (NQ) Annuity
Replies: 1
Views: 418

Trying to help my father with AXA Accumulator Elite (NQ) Annuity

My father received an offer from AXA to buy out his GMDB(guaranteed minimum death benefit) rider on his variable annuities. He has two of these annuities and according to the Annual Account Review dated June 02, 2015 - June 02, 2016 he lost $6K on one and lost $3K on the other. He is 94, in poor hea...
by Selu Gadu
Wed Oct 05, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 8860

Re: Where/how do Bogleheads get their tires inflated?

Home compressor. Love my air tools :D +1 - Also use a portable air tank if I don't want to run the air hose out the shop door. Handy hint: drill out the crappy Schrader fill valve that comes with the air tank and install a 1/4" quarter-turn ball valve with an air QD - tank will fill infinitely fast...
by Selu Gadu
Sun Oct 02, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Average stock returns over next 50 years
Replies: 11
Views: 2511

Re: Average stock returns over next 50 years

Of course we can't predict this, but what would be a conservative guess, after inflation? Buffet says 6-7%, is this after inflation? Another, and probably too conservative estimate, could be that with international equity risk premium being 4% and bonds paying close to nothing now, the inflation ad...
by Selu Gadu
Sun Oct 02, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Good funds for Emergency Fund?
Replies: 21
Views: 3112

Re: Good funds for Emergency Fund?

I would recommend: Ally 1% savings -or- IBonds and I also agree with the above that if your portfolio is large enough, a separate EF probably isn't necessary. +1 I have a large cash position in my EF, slowly transitioning to an I Bond ladder as an inflation hedge, currently about 10% of the EF, wil...
by Selu Gadu
Sun Sep 25, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 104
Views: 35632

Re: Timing Belt Change - Months or Miles if car is old?

You don't mess with timing belts on inference engines unless you want to risk replacing the whole engine when it goes. +1 You are absolutely right. My CRX was a 1984, last of the carbureted engines with the rats nest of anti-pollution stuff added on. Thinking about it, I believe I changed the belt a...
by Selu Gadu
Sat Sep 24, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 104
Views: 35632

Re: Timing Belt Change - Months or Miles if car is old?

For my current car, a Honda Civic, the recommendation is at 100k miles or after no more than 7 years. It is an interference engine, so I didn't play around with the 7 years business even though it's not even hit the first 100k miles after over a decade. I've also visited the enthusiasts forums for ...
by Selu Gadu
Sat Sep 24, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 6644

Re: I guess we better peek when it comes to Vanguard

Don't think keeping an eye on account activity is peeking, just prudent oversight. YMMV.
by Selu Gadu
Thu Sep 22, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: How is the financial advisor taking my mother? Annuities?
Replies: 32
Views: 5157

Re: How is the financial advisor taking my mother? Annuities?

My mother and father are both federal retirees (retired about 20 years ago, now 90 & 94 respectively). My understanding is that Dad's Social Security is about $1.00 (One Dollar) per month due to offsets. Don't know how much Mom is getting but Dad bitches about SS all the time. Both are on Medicare a...
by Selu Gadu
Mon Sep 19, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: New hollow core door or shorten the one I have?
Replies: 26
Views: 2228

Re: New hollow core door or shorten the one I have?

My grandfather was a finish carpenter, blacksmith, farmer, etc. He was always in demand during the 30's and 40's to hang doors and windows in houses under construction. I still have his jointer plane that he used to fit doors and windows. Dad learned from him and I learned from my dad. I have built ...
by Selu Gadu
Mon Sep 19, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

Most of the replies are referring to old technology that requires some level of sophistication to set up, a monthly monitoring cost, and/or remote video capture that you have to go get to look at. I would suggest you read about the Piper security system, which can be purchased on Amazon or direct f...
by Selu Gadu
Mon Sep 19, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

They had a medical alert system and rejected it so the system will have to be passive, maintained and monitored by others. I'm curious as to why they rejected the medical alert system? I have thought about getting one of these myself, and learned that Consumer Cellular has one that has automatic fa...
by Selu Gadu
Mon Sep 19, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

wilshuer wrote:A good resource is http://www.cctvforum.com, the Bogleheads of security cameras. As I was setting up my own system, learned a lot from the forum.
Great tip, much appreciated and I will check it out.
by Selu Gadu
Mon Sep 19, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

I neglected to mention that many folks use software on a regular computer rather than an NVR. The downside is that the computer has to be kept running all the time. Also be aware that an NVR is a computer running specialized software. Mine does not need a keyboard, it does use a mouse to access the...
by Selu Gadu
Sun Sep 18, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

This is my 2 cents: About 6 mo's ago I purchased a NVR (network video recorder) and 10 cameras for outside use. I did not buy wifi cameras. Cameras (incl wifi) require power, so wired cameras known as POE, power over ethernet, made sense. So I ran ethernet for 10 cameras to the NVR. The NVR is abou...
by Selu Gadu
Sun Sep 18, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

My mom is 92 and lives in a senior citizen apt by herself, we installed the below video camera to keep an eye on her. https://www.amazon.com/gp/product/B00JAJ9U8K/ref=oh_aui_detailpage_o09_s00?ie=UTF8&psc=1 It's wireless, have night vision and very easy to set up, we didn't set up with reordering a...
by Selu Gadu
Sun Sep 18, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

Given the short time frame in which you may be using such a system, perhaps a replacing the door bell with a WiFi-enabled security camera is the best option? They would need to have Internet service so you could hook up the WiFi access point, but some of the systems record the footage on their clou...
by Selu Gadu
Sun Sep 18, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Re: Security Camera System for Parent's Home

I think you would be more interested in something similar to the NEST cameras. They are wireless and integrate with your cellphone so when someone comes into view, a notice can be sent to your cellphone and you can view the real time footage. However, if you want to review past footage, you have to...
by Selu Gadu
Sun Sep 18, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Security Camera System for Parent's Home
Replies: 17
Views: 2319

Security Camera System for Parent's Home

My parents are 93 & 90, still living in their own home but having increasing problems with mobility since neither can drive and Dad has severe arthritis in his knees. I am trying to get assistance for them to remain in their home and would like to have security cameras installed to monitor who comes...
by Selu Gadu
Sat Sep 17, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 9625

Re: The coming municipal bond crisis

This from the New York Times today. http://www.nytimes.com/2016/09/18/business/dealbook/a-sour-surprise-for-public-pensions-two-sets-of-books.html?ref=business The problem reaches far beyond pensions, and into the $3.7 trillion municipal bond market. The reason is that municipal bond ratings take i...
by Selu Gadu
Fri Sep 16, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 4847

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

Hmmmm, I see potential here. We shorted the pilgrims for 26 bucks in beads and trinkets. If we whine and cry around to the SEC maybe we could get Manhattan back.

Anyone want a piece of the action?
by Selu Gadu
Fri Sep 16, 2016 7:52 am
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 10384

Re: I have $3,000 to gamble

$1,500 powerball tickets  Or just send me the $3,000 and I'll send $0 back. Statistically, it's the same expected value for that "investment" :twisted: . (Okay, okay, those aren't the exact odds, but it's been a long week, and I'm not up for the actual calculation.) +1 Send me the $3K and I will s...
by Selu Gadu
Wed Sep 14, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 2264

Re: Refrigerator issues - Temperature & Other

FWIW, one of the last projects I worked on before I retired a couple of years ago involved measuring the temperatures in refrigerators which were used to store vaccines. The powers that be thought they were getting bogus out of range notifications on their refrigeration alarms. We used digital therm...
by Selu Gadu
Wed Sep 14, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 1286

Re: Car title question - moved from Florida

Drive it until the wheels fall off then call a junkyard to come get it. Of course, the responsible thing is to contact the lien holder and figure out how to have the lien released. Your choice. The lien is my car loan. I am paying it off. No question of not paying off the loan. Just trying to figur...
by Selu Gadu
Tue Sep 13, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 29119

Re: The Big Short

Really is amazing how localized and how concentrated the knowledge of disaster and doom. Remember MarginCall when the RiskManager (DemiMoore) warned other managers of the high risk but was ignored and eventually became the sacrificial goat. +1 It is very difficult to evaluate risk if your pay check...
by Selu Gadu
Tue Sep 13, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Car title question - moved from Florida
Replies: 8
Views: 1286

Re: Car title question - moved from Florida

Drive it until the wheels fall off then call a junkyard to come get it. Of course, the responsible thing is to contact the lien holder and figure out how to have the lien released. Your choice.
by Selu Gadu
Tue Sep 13, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Huge pile of jewelry to sort
Replies: 13
Views: 1674

Re: Huge pile of jewelry to sort

1. I would try a pawn shop for a quick appraisal, if they are not willing to loan on it put it aside and look at more carefully later. For the rest, sort into however many piles you like and take the most valuable (however you define valuable) to a jeweler for a more accurate (hopefully) appraisal. ...
by Selu Gadu
Mon Sep 12, 2016 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my mortgage?
Replies: 45
Views: 5569

Re: Should I pay off my mortgage?

Bought our house about 20 years ago and made prepayments against principal as we could. Paid it off in about 10 years and reallocated the monthly mortgage payment to a savings account. When I retired about 10 years later, the savings account was about $150K which was roughly 3 times what we paid for...
by Selu Gadu
Mon Sep 12, 2016 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Mortgage Servicer
Replies: 13
Views: 1251

Re: Changing Mortgage Servicer

This month, as of 09/01, my mortgage was sold to another company for servicing. None of the terms have changed, just the company servicing the loan. They claim to have gotten the loan on 08/25 and on 09/02 they received the escrow account. However, as of now they still are acting as though I have n...
by Selu Gadu
Mon Sep 12, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Moving company 401k from MassMutual to Vanguard
Replies: 7
Views: 1542

Re: Moving company 401k from MassMutual to Vanguard

I have been through a 401k provider change with different companies. Here is my recollection of it. 1) A month or two before the change they will publish the details of which how the funds will be mapped between companies. Sometimes there are no similar funds so the way they are mapped may be a bit...
by Selu Gadu
Sun Sep 11, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Slicer for Sweet Potato Fries
Replies: 12
Views: 2032

Re: Sweet Potato Fries - Yum

Buy something similar to https://www.amazon.com/dp/B002L7V1B2/ +1 Bought something similar several years ago for about $50, works for us, YMMV. We also use it for turnips and rutabaga, mandolins will work, just be verrry careful! You might be able to find a used one a little cheaper at a restaurant...
by Selu Gadu
Mon Sep 05, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: genealogy - starting
Replies: 19
Views: 2447

Re: genealogy - starting

You might want to look at The Organized Family Historian by Ann Carter Fleming. Bought my copy used from Thriftbooks but it still had the included CD of forms and worksheets which I have not tried to use yet. One of the problems with Ancestry.com is that it can be difficult to sort out the good info...
by Selu Gadu
Tue Aug 09, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Mounting on Cinder Block
Replies: 15
Views: 1838

Re: Mounting on Cinder Block

I'd probably do the backer board. But if you mount direct most masonry drill sets have a 3/16 bit. You could use that, a yellow rawlplug (5 mm size generic plastic anchor) and a #3 screw. This is not a high load application, if you can't find the right size anchor you could use a couple of match st...
by Selu Gadu
Sat Aug 06, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 6105

Re: Where to find common items that last "forever"

I buy all my kitchen utensils (peelers, cutting boards, whisks, etc.) at a restaurant supply store. Lower price and higher quality to be sure. I appreciate the sentiment in the OP. I went through the saga of finding a good manual can opener a while back, and it was indeed frustrating. +1 Restaurant...
by Selu Gadu
Sat Aug 06, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 6105

Re: Where to find common items that last "forever"

JoinToday wrote:
island wrote:One toilet brush that lasts forever? That would be gross!
They are gross after the first usage. After a couple times, the "gross factor" has plateaued; I doubt if is gets any worse.
Just quit cleaning the bowl, after three years it won't get any worse. Don't ask me how I know. :D
by Selu Gadu
Fri Jul 29, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 11609

Re: Preparing financially for our funerals - prepay or not?

https://www.funerals.org - Link to Funeral Consumers Alliance. This type of organization used to be known as memorial societies which helped people determine what a funeral should cost and what sort of options were available to them.
by Selu Gadu
Sun Jul 17, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Mattress Replacement Question
Replies: 8
Views: 1490

Re: Mattress Replacement Question

[quote="birdy"]Sleep number bed. You can adjust it to firmness/softness you want. We have now had ours for 18 years and still going strong. +1 Have had mine for 4-5 years. Works very well once you get the firmness right except that the controller loses connection and has to be reset by unplugging it...
by Selu Gadu
Thu Jul 14, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 4298

Re: Power surge protector for tv, soundbar??

Surge protectors are useless if you have you have power outages. Only a UPS helps with a power outage. Not so. There are often surges associated with the loss and restoration of power. A surge protector will stop these feeding through to your equipment. +1 I was a biomedical equipment technician at...