Search found 801 matches

by Wakefield1
Wed Aug 15, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 366
Views: 58080

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Perhaps direct injection on a gasoline engine should only be activated during full throttle/high turbo boost operation as a go fast aid and ordinary port or even "izzacarb" (throttle body injection) used during ordinary routine part throttle and idle operation. An expensive toy? I think that Diesel ...
by Wakefield1
Sun Aug 05, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5364

Re: Comfort level with Credit Card Balance

Don't like to owe anything on the two credit cards. One of them can be paid online from my checking account within a couple days of use. The other one,I keep zero owing statement stubs around so that I can pay it off before the new bill comes. I keep that credit card around because it is less likely...
by Wakefield1
Sun Aug 05, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4605

Re: Dear BH, what are non-BH actions you do?

I still have Briggs and Stratton (made what were some of my favorite childhood toys) on dividend reinvestment in spite of the fact that dividend reinvestment might not be such a good idea -and I seem to remember that Mr. Bogle told me that in person-if you can't bring yourself to sell your favorite ...
by Wakefield1
Sat Aug 04, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Biggest Companies Deserve to be Best?
Replies: 11
Views: 1088

Re: Biggest Companies Deserve to be Best?

Direct quote from John Reckenthaler's article on Morningstar website: "The Biggest Companies Deserve to Be Best" Tuesday's column detailed how, in recent years, blue chips have dominated. An investor in August 2013 who sorted all publicly traded firms by their market caps from largest to smallest, ...
by Wakefield1
Thu Aug 02, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5725

Re: Will dividend spending only portfolio last forever ?

So the dividend yield of the S&P "500" has gone down? Suppose you bought XXX dollars worth of the S&P 500 thirty years ago (using "Bogle's Folly") (thank you Jack) and didn't sell any of it but did extract rather than reinvest the dividends. Is the yield of that investment now less than it was 30 ye...
by Wakefield1
Wed Aug 01, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5816

Re: Financial upside / downside of marriage vs cohabiting

I've been single. I've been married. I've been divorced. I've paid alimony. I've paid child support. I now have grandchildren. My advice is: figure this stuff out before you get involved with a person of the opposite sex, not after a child is on the way. It's too late now, so do the right thing. Yo...
by Wakefield1
Wed Aug 01, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 11011

Re: How much more can I save if I live in a van, down by the river?

LOL!!!! :beer As I remember there were a few private holdings near the Potomac River where people lived in vans or other such things (one was near Harper's Ferry,another near "Whites Ferry" (about mile 30 something as measured along the C&O Canal towpath) as I remember that were holdouts from the N...
by Wakefield1
Wed Aug 01, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 11011

Re: Retirees: How to add $340,000 to retirement savings

For some people such as myself owning a Good home is one of the strongest incentives for trying to acquire sufficient wealth to make such ownership possible. Sufficient wealth to have some personal dignity? Think of land on which you can do your favorite gardening activity,trails or country road to ...
by Wakefield1
Wed Jul 25, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Robert Samuelson column -- Washington Post
Replies: 15
Views: 1391

Re: Robert Samuelson column -- Washington Post

Does the rise of the ETFs (rising in popularity and balances as a proportion of all market investments) increase market volatility? (I suspect yes)
Does the rise of indexing increase market volatility? (I suspect not)
Two different questions
by Wakefield1
Tue Jul 24, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Peak Oil, Reloaded?
Replies: 45
Views: 3757

Re: Peak Oil, Reloaded?

I understand that different crudes vary greatly from one another in their hydrocarbon and impurity makeup and that there is evidence that some but not all crude came from non biological sources -like polymerization of primitive materials such as those that make up much of the planet Jupiter and may ...
by Wakefield1
Fri Jul 20, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 11567

Re: New Vanguard Security Code Requirement

Does VG use cookies to see if you're coming from a different machine? Or do they use your external IP address? Will their app use 2FA? I haven't tried their app yet, but just curious. The app using 2FA seems useless considering most people using the app already have the phone (unless logging into t...
by Wakefield1
Sun Jul 15, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Has the range of expected stock market returns ever been larger than today?
Replies: 15
Views: 1514

Re: Has the range of expected stock market returns ever been larger than today?

As individuals most of us indeed have no control over future stock market returns but as a society I think we have a great deal of such control depending on what we do as a society In the event of low future market returns maybe it would be good to have fed the pig something (bank accounts, Credit U...
by Wakefield1
Sun Jul 01, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5746

Re: Do Advisers Add $$$ Value?

Some do, and some don’t. In general it depends on your needs, and what level of effort you’re willing to put into your financial situation. Many of the folks on Bogleheads have an unfair characterization of an advisor as someone who is primarily there just to set an asset allocation. By nature this...
by Wakefield1
Thu Jun 28, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2421

Re: "Who's John Bogle?"

Leesbro63 wrote:
Wed Jun 27, 2018 9:56 pm
My experience is that, sadly, very few “average investors” have ever heard of Mr. Bogle.
And that is unfortunate. "Financial illiteracy"
by Wakefield1
Mon Jun 18, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 6376

Re: Where to invest $50K+ down payment money for five years?

Just noticed that interest rates on CDs at my Credit Union have increased significantly again (Arlington Community Federal Credit Union)
"no penalty" 15 month CDs starting at minimum $500.
by Wakefield1
Mon Jun 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 5045

Re: "distilled" water for wife's CPAP machine

Dehumidifier/Air conditioner condensate is contaminated by dust and other particles in the air passing through?
by Wakefield1
Mon Jun 18, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do folks pull retirement income out of Wellesley?
Replies: 12
Views: 2087

Re: How do folks pull retirement income out of Wellesley?

Set Wellesley to fire dividends into linked Bank/Checking account but continue to reinvest cap. gains distributions into new shares? (So as to reduce chances of "return of Principal")?
by Wakefield1
Sun Jun 17, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1365

Re: Best tips for starting a new job

Courtesy Respect Acknowledgement Professionalism Learn obvious and not so obvious protocols. (where the lines are) Careful with "new friends" and "gossip". ^^^^^^^^^^^This^^^^^^^^^^^^^^^^^^^^^^^^ Prepare to be tested, personally and professionally. Humility (ego in check). Communicate without being...
by Wakefield1
Mon Jun 04, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5594

Re: Thinking of a divorce - from Vanguard

Fine! But no more admiral shares for you! Can you please explain what "admiral shares" are? I've been on this forum for awhile but still don't know the difference. I have my IRA account through Charles Schwab so im not that knowledgeable in Vanguard. Simply a class of the same fund with a lower exp...
by Wakefield1
Sun Jun 03, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10664

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages Outgoing email (sending) uses SMTP. I'm betting you need to change the outgoing server from Verizon.net to aol.com. See: Configure a Verizon.net account using IMAP Replace "Outgoing mail server (SMTP): smtp.verizon...
by Wakefield1
Sun Jun 03, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10664

Re: Are people aware that Verizon email is being terminated?

imap.aol.com is what my application is trying to connect to in order to get messages
by Wakefield1
Sun Jun 03, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10664

Re: Are people aware that Verizon email is being terminated?

Just to report,as of now and for the last few months I can only access incoming mail on my "verizon.net" e mail address by going to the AOL web portal,my e-mail application does not work. Annoying and there are all of those ads on the AOL web site. I wonder if that is true for others? (my e-mail app...
by Wakefield1
Sat May 26, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2974

Re: Near commercial level treadmill

Is there a standard length for running treadmills? Too short=aggravation? Not sturdy enough=it goes bust? Would a cardiologist office that uses treadmills to stress hearts to get the rate up be able to recommend which ones last? Some 13 or so years ago when I still had some semblance of being able t...
by Wakefield1
Tue May 22, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Old Hot Water Heater
Replies: 20
Views: 1379

Re: Old Hot Water Heater

Where is the water heater located that it could cause so much damage? Our water heater is located in our garage, a leak would cause water on the garage floor, but little if any damage, other than perhaps wetting objects on the garage floor. Broken Man 1999 Located in the attic :( :o Does not belong...
by Wakefield1
Sun May 20, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9114

Re: Is there a boglehead muscle car?

I had a 2009 Pontiac G8 GT. Loved driving it. Unfortunately, Pontiac is no longer around. The same vehicle has been repackaged as the Chevy SS but I think it just got discontinued. Maybe look at getting a 2016. Those and the vehicle last sold as Pontiac GTO might someday become coveted collector cars
by Wakefield1
Sun May 20, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 8248

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

I believe that Alzheimer's Disease is overdiagnosed and that many 91-95 year olds are completely free of it. I don't think it is part of normal aging. And when it does appear it may be in a middle aged or even younger person. But extreme frailty and muscle wasting to the extent that moving about bec...
by Wakefield1
Sat May 05, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Inlaws are 100% in a single stock - help diversify
Replies: 21
Views: 2739

Re: Inlaws are 100% in a single stock - help diversify

They aren't reinvesting dividends into buying yet more shares of the same thing I hope-at least that could go into purchasing some diverse mutual fund if the dividend stream isn't needed for expenses/spending I think it might be appropriate to sell some of the stock (to buy something more diversifie...
by Wakefield1
Sat May 05, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 6485

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Travel1013 wrote:
Fri May 04, 2018 12:43 pm
You can research this to infinity but if spouse has her heart set on a JGC...
Happy wife... :happy
Has her heart set on an SRT ?
by Wakefield1
Sat May 05, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 366
Views: 58080

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Any car with cylinder deactivation ought to have an override/lock out setting ... I have never hear of such a thing. Is this real or just a pipe dream? A pipe dream that ought to be-although I think some mechanically minded truck owners have done it themselves I believe I recall seeing a discussion...
by Wakefield1
Sat May 05, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 366
Views: 58080

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Remembering good old V8 cars in the 1960s such as Olds 88,4-4-2 and various Chryslers-in winter if you drove a lot of short trips the car would sometimes "make oil"-the dipstick level would increase a small amount and it might indeed smell of gasoline -if you then took the car out for a run of an ho...
by Wakefield1
Sat May 05, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 366
Views: 58080

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Wow, my months-long 2018 CR-V vs. RAV4 vs. CX-5 shopping analysis just got narrowed down a bit. I just learned that the 2018 CX-5 now comes standard with cylinder deactivation - two cylinders are shut down on the highway. Really bad idea, because this technology has had problems; e.g., Honda's V-6 ...
by Wakefield1
Thu May 03, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18890

Re: Ed. Jones rep didn't like our plan, now we're locked out

Perhaps Ed. Jones needs to hear from their (victim/customers') attorney.
by Wakefield1
Thu May 03, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 6485

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

bottlecap wrote:
Thu May 03, 2018 8:06 pm
Jeep would be out for me. I like some of their vehicles, but their reputation for (un)reliability scares me away.

And I am presently on a 1,200 mile business trip with my 18 year old Ford. So I don’t scare easy.

JT
I wish Daimler/Mercedes had remained as the owner of Chrysler/Jeep.
by Wakefield1
Thu May 03, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 6485

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

The rare version of Grand Cherokee-I think in the mid 1990's- that had the 360 engine instead of the six or 318-is it a collector car now? Was the Grand Cherokee version of the 1990's the most capable offroad of all of the "luxury" SUVs ? (Not counting the Humvee) my 2004 GC hasn't had any major pro...
by Wakefield1
Thu May 03, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6756

Re: Pay $2500 in rent or continue living at home

Is there any possibility at all of the O.P. eventually buying a place and the whole household moving to that place? If that happened and another member of the household (non-spouse of the owner) were to end up in the nursing home would that threaten the affairs of the house owner?
by Wakefield1
Sun Apr 29, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5452

Re: Maple syrup

Real maple syrup may taste much different than the "pancake syrup" found in the grocery store.
by Wakefield1
Wed Mar 28, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 2120

Re: Receive dividends from Index funds?

You can link a bank account/credit union account to your Vanguard account using your routing # and your account # (get them right or you might be donating to someone else!) you can set your various taxable mutual fund account holdings to kick out to your bank or checking account,dividends and/or cap...
by Wakefield1
Sun Mar 25, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1172

Re: Reverse Mortgage and nursing home expenses

Also to consider: having a good Doctor or Clinic to visit for periodic preventative care that would include front-running any disorder that might develop that could be nipped in the bud before it does permanent harm such as Pernicious Anemia (the type that requires lifetime B12 shots according to so...
by Wakefield1
Sun Mar 25, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage and nursing home expenses
Replies: 15
Views: 1172

Re: Reverse Mortgage and nursing home expenses

Is the "lake house" handicapped friendly? If not,can it be remodeled to make it so ? If not,sell it? Sell the other place? Buy a place with the proceeds that is senior/handicapped friendly or else buy into a Senior Community? (not a nursing home for the totally bedridden) A senior might be able to l...
by Wakefield1
Fri Mar 23, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1503

Re: Fuel additives

I have a fondness for "Marine Sta Bil" added in minimum amount at fueling when the car doesn't get driven enough to need fuel added for 3 or 4 months. But probably more valuable for lawnmower engine and chainsaw gas.
by Wakefield1
Fri Mar 23, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11196

Re: Losing friends/family when wealthy

It can go either way. Losing "friends" because they think you are wealthier than they or losing "friends" because they think you are less wealthy than they. chances are,they weren't such good friends as they once seemed. not to mention the "friends" simply hanging around hoping for a handout or "loa...
by Wakefield1
Tue Mar 20, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4235

Re: Home equity as part of retirement plan

Owning you own place-one where you can garden,look out at valley/mountain scenery,where you could accommodate yourself with some remodeling if you were to become wheelchair bound (otherwise desirable to have access to forest trails and country roads for hiking and running==Priceless. Unless it becom...
by Wakefield1
Sat Mar 17, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why should you place money in a non-deductible traditional IRA?
Replies: 8
Views: 1141

Re: Why should you place money in a non-deductible traditional IRA?

Keep your copies of all 8606's filed and keep them in a safe place!
by Wakefield1
Thu Mar 15, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 366
Views: 58080

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Even old style cars with carburetors could get fuel contamination of their oil,short trips in cold weather not long/far enough to fully warm up the engine,bad thermostat (too cool or stuck open) carburetor too rich or the choke staying on too long setting the choke or carburetor too rich to cover up...
by Wakefield1
Sat Mar 10, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2127

Re: Chain Saw pruner or Pole Saw?

I second the idea of considering the Kombimotor system with the chainsaw head attachment. Although for casual use the non motorized polesaw might be enough and doesn't have the hassle of fueling and carburetors. Echo may make something similar to the Kombimotor,Echo products usually work O.K. in my ...
by Wakefield1
Wed Mar 07, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1132

Re: Vanguard reinvestment questions.

So I have some money available to invest with Vanguard. I plan on investing that into the S&P-500 index fund. My question is: am I able to buy other products from Vanguard with the annual dividends I earn from my initial investment in the S&P-500 index fund? Or does the dividends end up being reinv...
by Wakefield1
Mon Mar 05, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with 401k? Company dissolving....
Replies: 16
Views: 1691

Re: what to do with 401k? Company dissolving....

Wouldn't keeping this ex 401 in its own separate rollover IRA simplify possibly moving it in the future into another 401 (possible future employer?) such that activities such as Roth conversions wouldn't have the funds diluting the basis for conversion taxation?
by Wakefield1
Wed Feb 21, 2018 1:44 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 36053

Re: What if you only live off dividends?

Living off of dividends is exactly the same as selling off your stocks though. So you could rephrase your question as, "What if you only live off selling off your stocks?" I dont agree. Receiving dividends is not “exactly the same” as selling your stock. Nobody can say for sure what would happen to...
by Wakefield1
Mon Feb 19, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 4743

Re: Is it "cute" to invest in sector funds?

I suspect that the larger sectors tend over very long times to perform similarly to the total markets but may stray far above or far below over shorter time frames of several years. Gold,precious metals not so hot (a way to generate capital losses?) I am entranced by the Medical/Healthcare sector bu...
by Wakefield1
Sun Feb 18, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2179

Re: How to advise a parent

I wish my mother would have/could have been talked in to putting most of her money into something like Vanguard Wellesley Fund instead of keeping>$100,000.+ in checking accounts!