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WiseNLucky

Wow. The company I work for uses it and it seems to work just fine. I work for a very large company and I have no idea how much time and effort go into keeping it working fine, but I'm certainly not unhappy with it. I don't use it at home; I had no idea it was available outside of large corporate ap...

WiseNLucky

Nate, Thanks for the input. I strongly prefer dish so that is good news indeed. I will make sure to avoid trees if there are any - thanks for that input. Here in Florida the dishes do point southwest but mostly they point up. I hadn't thought about being that much farther north that they will point ...

WiseNLucky

I use Dish and have been very happy with it. This spring, we will be moving to Minnesota and I have heard that having a dish up there is problematic. Does anyone else have weather issues with a dish? Outages 4-5 times a year doesn't sound bad (unless one of my favorite shows is on!) but seeing the p...

WiseNLucky

austinite wrote:John Pennekamp Coral Reef State Park is really good too but a different experience.

I did this and it was one of the most memorable experiences of my life. It is also very near where you are staying, so it should be convenient.

WiseNLucky

Your $220 cost seems absolutely cheap to me if there is no underwriting assistance from anyone. I wonder how much coverage it supplies. Ours was a really good policy. I read his post that his employee portion was $220 and not the full premium. This would put him in a "high employee cost" ...

WiseNLucky

What's scary is the discussion on NPR this morning about a German bank that is going out of business because of the US subprime issue. The person being interviewed says the US government must pay the mortgages of affected individuals as soon as possible, bailing out the borrowers instead of the lend...

WiseNLucky

Has anyone here taken this into account when setting up their investment plan, and if so, how did you do it? The only calculator I've come accross that does this is in the context of defining the value path in Michael Edelson's Value Averaging approach. Does anyone know of any calculators that do t...

WiseNLucky

As the OP, I think I can take the thread wherever I please, no? Besides, only like 2 posts have addressed the actual OP question. That's a fair comment. I am too ignorant to attemp tactical allocation. It kind of smacks of ho*us to me. Like everyone else, I get a sense of when I think certain asset...

WiseNLucky

I just wanted to check to see how much the HMO costs if I don't find another job right away and need to use it. $220.00 a month per person!!!!!!!!!!! My girlfriend works for a local car dealer and pays $32 a month for her HMO!!!!!!!!!! Before my company was acquired by a much larger company, I was ...

WiseNLucky

So if I set my value path to achieve 30 percent annual return, there is no chance I will not reach it under this method? I think you would agree, this cannot be true. In fact, the expectation that I would reach a 30 percent annual goal would be extraordinarily low. You don't set your value path to ...

WiseNLucky

Thanks for all the comments about Subaru's AWD. I had actually thought about looking into one for my next car, so the information is very useful and timely.

WiseNLucky

I just ordered two sets of progressive bifocals from Zenni, even though I have never worn anything but single lens before, so I will post here on how it works out. My gamble is about ~$120 for two pair with all options, so even if somehow totally unusable and no refund (doubt and doubt again), I fi...

WiseNLucky

YES, He definately knows all of this. We have a very healthy relationship & communicate about everything. I am paying for all of this debt now and we share our other bills we accumulate together. He wants to get married right away, but I don't want to until I have most of these medical bills pa...

WiseNLucky

I’m surprised and delighted to see this topic come up on the Bogleheads Forum. (I’m a guitar teacher.) That was how I felt when dentistry came up! One final bit of advice: find a good teacher. The guitar has a reputation for being an easy instrument to play. The truth is that it's easy to play badl...

WiseNLucky

Last time I bought glasses they had to adjust them so they fit on my face properly. How do you do that when you buy them online? One strategy is to not buy frames that don't fit your face. So how do you know if they fit your face without trying them on? And how do they get the "sweet spot"...

WiseNLucky

I am getting married this winter/spring & am curious as to whether or not my fiance can be held responsible for my medical debt & credit card debt after saying "I Do?" I do hope you will have fully disclosed your situation to him before he gets to the point of saying "I Do.&q...

WiseNLucky

Now that both Larry and Rick have replied, I will link you to a good thread where we discussed VA. Since you are fairly new to the forum, you might not yet be aware of that thread.

And welcome to the forum!!

WiseNLucky

Am I the only person wondering why California? Do they have state issues that make this more significant?

WiseNLucky

Valuethinker wrote:It's good to know that if doctors make a mistake because they are overtired, it's not like it matters-- unlike computer software developers

Zinnnnggggg!!

WiseNLucky

As history demonstrates, some of the worst short-term losses were followed by substantial rebounds. History also shows that some of the worst short-term losses were also followed by even more losses. :D I say set your risk to what you can stand, rebalance according to plan, and ignore anything else...

WiseNLucky

gkaplan wrote:I won't know until the end of the third quarter.

Same here.

WiseNLucky

I've been investing for a little over 10 years and have never sold anything (other than to rebalance), but my assets have grown faster in the last five years than the previous 5 so I estimate 2-5 years on a weighted average basis. That seems to put me right in the sweet spot with the rest of the for...

WiseNLucky

I wonder if that famous journalist Sean Penn proposed this idea during his tour, er, interview? Am I the only one thinking about Jane Fonda?

WiseNLucky

I'm sure that WB wouldn't consider a disaster which caused a huge claim against one of Bershire's reinsurance policies a mistake. The mistake would be if the risks of the event happening weren't adequately foreseen and/or adequately compensated in writing the policy. He admits to underestimating hi...

WiseNLucky

Taylor, This isn't very elegant but you can always copy the link into your browser. For instance, the url for this thread is: http://diehards.org/forum/viewtopic.php?t=5031 I assume that if you replace the 5031 with the conversation number you want and then copy and paste the updated url into your b...

WiseNLucky

A friend of mine was buying condos in Boston in 1992 for $20k and $30k each-- far below the cost of construction. My dilemma is that I am renting pretty cheaply in Arlington, VA, but probably should buy something if prices become favorable. A $20k - or even a $150k - condo would be great, but is it...

WiseNLucky

Ken Schwartz wrote:It looks like you were dealing with a salesperson.

And not a very good one. Live and learn. Use the online account and seek your investment advice elsewhere.

WiseNLucky

dokeeffe wrote:I suspect my abilities are below average for this forum. However I don't think that being below average in the Advanced Placement class is anything to be ashamed of.

Touche! I also think I'm below average for this forum but way above average for the working public. I'm happy to be where I am.

WiseNLucky

I use 2 gas-rebate cards. Both cards are 5% back on all gas purchases, 1% back on ALL other purchases. One is for Shell (thru Citibank), and the other is for Marathon (thru Chase). I much prefer the Shell card (now), because the rebates just show up monthly as a credit to your account. This is what...

WiseNLucky

Welcome bettega, and I think an introduction thread is fine. You seem like you will fit right in around here. And tell your wife we are NOT nerds, we are quasiprofessionals!

WiseNLucky

duhmel1 wrote:This has to be the stupidest topic I have ever seen on this forum!!!!!

Three pages of passionate responses and you find this thread stupid? What would you consider not stupid. Is stupidest even a word?

WiseNLucky

Experience shapes one. Doesn't it though. Although I like to think I'm just getting older and more mature, not necessarily being "shaped." :D Yes, grow up during the 1960s, live (as a young adult) through the 1970s with the end of the Vietnam war, sexdrugsandrock&roll, the energy cris...

WiseNLucky

As for predictions, I think the whole trade imbalance with China and them holding so much of our national debt, coupled with their poor quality control resulting in deadly imports into the US will have a substantial negative impact on our economy. I have no idea when it will happen and, like the cu...

WiseNLucky

Are there any other debacles that you know of coming? Would be interesting to discuss them beforehand. LH Fair question, but I think many of us saw this coming, in the same way we saw 2000 coming, but we were useless in predicting the timing or how to benefit from it. I personally thought 2000 woul...

WiseNLucky

I am getting a laptop, and I am torn between the 15" and 17" widescreen. The 15 is easier to carry and lighter, but the 17 obviously has a bigger viewing area while being bulkier. Any thoughts on which is better for a laptop? At work we are all issued laptops with 14" screens because...

WiseNLucky

ayoldguy1 wrote:No, but I do tend to overplan, don't I?

I do too; don't let anyone hold that against you.

Just think how nice it will be someday when you can get engaged and hand over the fully-completed wedding plan book at the same time.

WiseNLucky

The kid understands the personal consequences of failure to practice or do homework, so why not let them make their own decisions regarding how much to practice or study? Because they will blame the parents when they are 30 years old and living in their parents' basement having never finished schoo...

WiseNLucky

Perhaps the problem is not too much coverage of the bridge collapses of the world, but not enough coverage of everyday highway deaths. I just read the following full-page ad on the back cover of the 8/13/2007 Time magazine: "If 12 fully loaded jumbo jets crashed every year, something would be d...

WiseNLucky

This started as a good debate but seems to have deteriorated. Obviously, this is a much more emotional issue than we all expected. Thanks for stepping in, lowwall.

WiseNLucky

Back to the original post: I've ridden over that bridge several times fairly recently so I don't know if I have the right perspective. It perhaps affected me more personally that others. I know that I wouldn't have been as affected by a bridge collapsing in St. Louis or Sacramento, but I still don't...

WiseNLucky

I see nothing wrong with it but agree that $1 seems confiscatory.

WiseNLucky

2) Soylent Green, Its People! :wink: I loved that movie. Many folks here probably don't get the reference. 3) I get the whole "Medicaid planning" thing is legal. But what's the difference in that and the proverbial ghetto-mama that practices "Family planning" by having more chil...

WiseNLucky

Please no posts on why I shouldnt trust or marry this women I love, we have all made mistakes, at least hers is courageos and ambitious. The fact that she came clean BEFORE the wedding says a bunch about her integrity. She could have waited until after and I know some people who have. It's a tough ...

WiseNLucky

China will have to get its act together on product quality or it will find itself with less and less buyers. Self-interest will prevail, and standards will be enforced. Exactly. I remember a time when "Made in Japan" had an entirely different connotation than it does now. They will eventu...

WiseNLucky

I apologize for causing disappointment. Well then I apologize for fanning the flames. I'm glad this one worked out because VictoriaF seems to be pretty good people. I didn't think she was intending to be as negative as she came across. I, too, had to read the post in question several times to figur...

WiseNLucky

As a consumer, this practice of canceling gift cards infuriates me. If a seller accepts cash for a gift card and books the sale, they owe an equivalent value back to the consumer. This is good in theory, but the fact is that cards get lost. When these sorts of things first began, there was no time ...

WiseNLucky

The statement that a government entity might deny a license or permit because of a bankruptcy is untrue. 11 USC 525 prohibits consideration of a bankruptcy in such situations. This seems very straightforward language, yet I know several people who lost their professional licenses upon declaring ban...

WiseNLucky

With the new 5-year look back rule, it's going to be more difficult for people to do this in the future. That's my point. If Congress wanted to do away with what is perceived by many to be an unfair aspect of the law, they could do it. They could easily exclude all those who are not truly "poo...

WiseNLucky

Your fiance is completing an education program to become a dental hygienist, which is a licensed professional. Some states preclude holding an active professional license after bankruptcy. I would at least check into that before she pulls the trigger.

WiseNLucky

prentis wrote:Has it occurred that we Diehards should root for the non-saving big spenders? It is all that conspicuous consumption that drives the market and floats our portfolios.

Actually, I think about that a lot.

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