Search found 158 matches

by jadedfalcons
Fri Jun 08, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Is investing in Peer-to-Peer Lending good ?
Replies: 16
Views: 1287

Re: Is investing in Peer-to-Peer Lending good ?

It was a good investment years ago, but not so much now. I ended up landing in at a 2.39% return on my money. I got in at a bad time (lots of bad loans in 2016) but if a bull market is getting me a 2.39% return, then what will returns be during a bear market?
by jadedfalcons
Thu Jun 07, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: What lubricant to use for Freezer slide out door runners?
Replies: 12
Views: 611

Re: What lubricant to use for Freezer slide out door runners?

by RudyS » Silicone lubricant is ideal for that. This is fine but get one that is food grade or FDA compliant That was my thought also... looking for a food grade lubricant even from an appliance parts supplier... so far when I ask for such a product they seem to think I am from outer space, and ha...
by jadedfalcons
Wed May 30, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4654

Re: My mind exploded

Well, Maddox wrote an article entitled "Love your kids? Prove it by beating them," but I'm not sure I'm allowed to link to it...
by jadedfalcons
Mon May 28, 2018 5:13 am
Forum: Investing - Theory, News & General
Topic: Wellesley Fund returns
Replies: 2
Views: 1159

Re: Wellesley Fund returns

Different time periods. Investor class dates to 1970, Admiral dates to 2001.
by jadedfalcons
Fri May 25, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Reducing mosquitos by pool
Replies: 14
Views: 1483

Re: Reducing mosquitos by pool

I sell dunks that look like a tiny donut that you toss in. Basically what they do is break up the surface tension of the water so the larvae drown since they breathe out their rectum, floating at the surface, while maturing.

Your local hardware or farm and home store should have them.
by jadedfalcons
Tue May 22, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 23
Views: 2529

Re: Factory Five build cars

motorcyclesarecool wrote:
Tue May 22, 2018 5:41 am
Have you considered Caterham 7? The former hosts of Top Gear assembled a running example in less than a day.
They probably could have built it a lot faster if they'd banned Jeremy from the shop....
by jadedfalcons
Wed May 16, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Lower cost but similar alternatives to these American Funds in my Roth IRA?
Replies: 9
Views: 478

Re: Lower cost but similar alternatives to these American Funds in my Roth IRA?

Be sure you spend some time on portfoliovisualizer.com comparing different investments. Primarily New Economy. That's been a fantastic fund in my portfolio over the years and is still a recipient of my IRA contributions. Don't rush to drop it.
by jadedfalcons
Sun May 13, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3921

Re: Used car, $20K-$25K

Chrysler 300S. You can get RWD or AWD. Very nice car 🚗, fast, and they depreciate a lot quickly, so you can easily fit one in your budget.
by jadedfalcons
Wed May 09, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3330

Re: Which cordless weed whacker to buy?

I've been following this threat with interest and have a couple of questions for those with more knowledge and experienced than me. I haven't done my yard in years as I have outsourced maintenance to a variety of less-than-satisfactory people. Now that I am mostly retired, I'm now thinking of getti...
by jadedfalcons
Wed May 09, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3330

Re: Which cordless weed whacker to buy?

Stihl FSA90R if battery powered. You'll love it.

If you go gas, you can get an FS91R with a $30 mail in rebate right now. Pop off the Autocut 25-2 head that comes on it and put on a Polycut 20-3 head and go to town on that hill!
by jadedfalcons
Tue May 01, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2661

Re: Fiber cable on front lawn

Enlist the neighbourhood children to play jump rope with it. Video it. Put it on youtube.

Rake in the advertising revenue when it goes viral.

Just got to think outside of the box here!
by jadedfalcons
Fri Apr 20, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2457

Re: Lending Club Investing

Great responses. I guess since we on the topic, is there anything else such as this that people invest in that is away from the market. Something Similar to LC or any other options? Been there, done that on LC. I'd offer the same advice you've already gotten. I'm intrigued by Fundrise, however I ha...
by jadedfalcons
Sun Apr 08, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Robotic lawn mowers
Replies: 18
Views: 1443

Re: Robotic lawn mowers

You don't need to stake down the line, you can just lay it down and let the grass naturally grow over it. It'll cover it with composted grass, however, it is something that can easily be snagged when doing any digging work in the future, or dethatching/aerating. Otherwise, you can trench them down, ...
by jadedfalcons
Wed Mar 21, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1425

Re: Outdoor Blower

Stihl BGA56 or BGA85. Definitely prefer the BGA85, but it is a higher price. The BGA85 uses a battery system that's interchangeable with many units (I personally use a hedge trimmer, mower, chainsaw, and pole pruner) Also, don't get caught up in the marketing of "moar volts r beter!" You need to als...
by jadedfalcons
Mon Mar 19, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: The business side of Google
Replies: 4
Views: 976

Re: The business side of Google

You can do that for free.

We get these calls 3-4 times a day at the store. Highly annoying and telemarketers are a huge waste of time for the cashiers.
by jadedfalcons
Mon Mar 19, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital returns: 35% a year?
Replies: 11
Views: 2188

Re: Personal capital returns: 35% a year?

To be fair, my Personal Capital showed an over 40% increase last year. To be fairer, the only thing I've ever linked to it is my T Rowe Price account, which is very heavily invested in PRGTX (Global Tech) that was up 47% last year. I'm not lying, I'm just giving you a very selective truth :D Mayhaps...
by jadedfalcons
Sun Mar 18, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct [How do I purchase a T-Bill?]
Replies: 6
Views: 1122

Re: Treasury Direct [How do I purchase a T-Bill?]

The nice thing about Treasury Direct is that their minimum is only $100 instead of $1,000 elsewhere, which is a major difference for lower earners. Not so big of a deal for the OP's example.
by jadedfalcons
Thu Mar 15, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31942

Re: Those with high savings rate: why?

Early retirement. In the last 16 years, the most time off I've had at once is a single 3 day weekend. I want to at least have the option of hanging up the proverbial hat by the time I turn 60. (let that be a warning to anybody thinking about going into business for themselves. Seriously.)
by jadedfalcons
Sun Mar 11, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 52
Views: 7741

Re: This is not a typical medical collections issue- what to do?

I checked this book out from my library awhile back. It was a good read, and your situation sounds like a textbook example. https://www.amazon.com/Bad-Paper-Chasing-Street-Underworld/dp/0374108234 Like so many others have said, the author says to ask for proof of your debt, and it gets kicked out th...
by jadedfalcons
Sun Mar 11, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2051

Re: Chain Saw pruner or Pole Saw?

Did you perhaps mean the PS90 blade? It is a very very nice blade, but it doesn't change the fact that you're still having to "saw" the branches manually. As far as Stihl's hand tools, they feel great, work great, but they are pretty pricey, though the lifetime warranty comes in handy. The HT56 has ...
by jadedfalcons
Sun Mar 11, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Something weird this day came
Replies: 22
Views: 2820

Re: Something weird this day came

A friend of mine posted several items on Facebook like this. Basically apparently somebody signed him up for some sort of mystery thing and he got several mailings with old photographs, copies of old newspaper articles in foreign languages, etc.

He enjoyed the puzzle, me, I never got the point.
by jadedfalcons
Tue Mar 06, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3750

Re: Online customer review denied

I would've gone to the store and talked to them about it, taking both the new & the old gasket. I totally understand their return policy on the front side, but given the issue of sizes not matching, I would think somebody would have helped you out with it. I do a strong business in Stihl parts, and ...
by jadedfalcons
Sun Mar 04, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Beam 2-4% APY
Replies: 13
Views: 2341

Meet Beam (savings account?)

[Thread merged into here, see below. --admin LadyGeek] I saw an ad on facebook this morning for meetbeam.com. They say they will pay 2-4% on deposits. https://meetbeam.com/ Article from Forbes: https://www.forbes.com/sites/laurengensler/2017/09/18/high-yield-online-savings-account-beam/ Didn't know...
by jadedfalcons
Tue Feb 27, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Stay or Should I Go?
Replies: 30
Views: 3402

Re: Should I Stay or Should I Go?

They automatically change their allocations over time to become more conservative, meaning an increasing percentage in stocks and a decreasing percentage in bonds. He means decreasing in stocks and increasing in bonds :happy (I wouldn't nitpick, but since OP is trying to learn as much as possible, ...
by jadedfalcons
Mon Feb 26, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest for a 15 years saving goals?!
Replies: 6
Views: 646

Re: Where to save/invest for a 15 years saving goals?!

I have an account at Schwab that is a mix of 5% international market, 25% domestic market, and 70% total bond market fund for that purpose. I just have to sell some equities here and there to maintain the percentages, which does mean a few capital tax gains, but I'm still well ahead of it just earn...
by jadedfalcons
Mon Feb 26, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Where to save/invest for a 15 years saving goals?!
Replies: 6
Views: 646

Re: Where to save/invest for a 15 years saving goals?!

I have an account at Schwab that is a mix of 5% international market, 25% domestic market, and 70% total bond market fund for that purpose. I just have to sell some equities here and there to maintain the percentages, which does mean a few capital tax gains, but I'm still well ahead of it just earni...
by jadedfalcons
Sat Feb 24, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5710

Re: Favorite socks?

Carhartt's Force line of socks or Wigwam's Ultimax line. High quality, long lasting, absorb odors & moisture. American made to boot :D
by jadedfalcons
Thu Feb 22, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5554

Re: Boglehead Flashlight?

I keep one of these in my backpack. They're cheaper in stores than what their website shows. I use 2 lithium batteries in it and it is VERY bright. I used it to inspect my gutters in the dark this morning because of all the ice we've had. Very nice to be able to stand at one corner of the house and ...
by jadedfalcons
Tue Feb 20, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 2202

Re: House rewiring - cost of copper

I sell electrical wire.

I'm not worried about the price.

He just wants to get a job locked in.
by jadedfalcons
Sat Feb 17, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3007

Re: Selling Timber

Is there any walnut? I can't say as that I have much knowledge in this arena, but $42/tree is making me feel very uncomfortable. My father helped broker a couple deals here recently on walnut trees, and those are going for over $1k/tree (highly variable, depending on the condition of each tree) Know...
by jadedfalcons
Thu Feb 15, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14116

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

Buying a car. Like others, I have a taxable account that's sufficient, but I choose to keep my car fund completely separate at Schwab because I don't consider it (or a car) as part of my net worth, so I like to keep it completely off my radar.
by jadedfalcons
Wed Feb 14, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 2558

Re: The Best HSA

Saturna allows me to make one trade a year for $14.95, no other fees. No cash drag. If I want to do a Vanguard fund, it's $24.95. Works great for my purposes.
by jadedfalcons
Fri Feb 09, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at American Funds or move to Vanguard?
Replies: 14
Views: 1505

Re: Stay at American Funds or move to Vanguard?

No point getting rid of it. This forum has an irrational hate of American Funds. That's an excellent investment that has outperformed the 500 over the long haul, even allowing for the full load. I've had it since 1993, and it was the largest recipient of my IRA contributions this year. Keep it, but ...
by jadedfalcons
Mon Feb 05, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3874

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 60...
by jadedfalcons
Thu Feb 01, 2018 8:54 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 9342

Re: Fewer acronyms please

YOLO!
by jadedfalcons
Wed Jan 24, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: am I crazy to do a lump sum investment with my entire retirement in this current stock market?
Replies: 47
Views: 6307

Re: am I crazy to do a lump sum investment with my entire retirement in this current stock market?

We were thinking about Lending Club as as safe alternative to the stock market but haven't done enough research on it. NO! hang on, let me rephrase that... NO! The easy money has been made in that space. Increasing competition is driving down returns, plus defaults have been on the rise, so returns...
by jadedfalcons
Wed Jan 24, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities being pushed..advice?
Replies: 14
Views: 922

Re: Fixed Index Annuities being pushed..advice?

The other thing to keep an eye out for is Metlife's Brightshield annuities. (admittedly, I don't know a lot about annuities) They get touted because you're not having to pay a fee to buy them, they just promise to cover x% of decrease and you still get y% of increase, tied to an index, of which ther...
by jadedfalcons
Tue Jan 23, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: am I crazy to do a lump sum investment with my entire retirement in this current stock market?
Replies: 47
Views: 6307

Re: am I crazy to do a lump sum investment with my entire retirement in this current stock market?

We were thinking about Lending Club as as safe alternative to the stock market but haven't done enough research on it. NO! hang on, let me rephrase that... NO! The easy money has been made in that space. Increasing competition is driving down returns, plus defaults have been on the rise, so returns...
by jadedfalcons
Tue Jan 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 2090

Re: Jeans without strong chemical odor

TheGreyingDuke wrote:
Tue Jan 23, 2018 7:27 am
https://theunbrandedbrand.com/

Raw denim, selvedge, great quality
Holy moley! $82 for a pair of midweight jeans?!?!?! Quick, somebody get me a branded pair for less than half the price!!!
by jadedfalcons
Tue Jan 23, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 2090

Re: Jeans without strong chemical odor

What I've been hearing though is that if you buy direct from Levi Strauss, you're more likely to get the quality stuff. The badly-sized and poorly-made stuff gets sent off to some of the other retailers. If you're in an outlet store, they may have "seconds" for sale, and certain discount low end st...
by jadedfalcons
Sat Jan 20, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 8560

Re: Lost money through Bitconnect scam - learned my lesson

i'm sorry you didn't read my post from December 17, 2017 before putting money into bitconnect: https://www.bogleheads.org/forum/viewtopic.php?t=234790 Your previous post was the first thing I thought of when I started reading this thread. Hope a bunch of your 'friends' didn't get burned too bad if ...
by jadedfalcons
Wed Jan 17, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15184

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

Well, Bitcoin is down by nearly 50% in the past month.

I, for one, am cashing in my entire portfolio and buying Bitcoin. Buy on the dips! (no, not really)
by jadedfalcons
Sat Jan 13, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 4611

Re: Vanguard Personal Advisory Services Fees

I understand your issue, but I guess another way of thinking about it is whether that's a fair price for your peace of mind. I don't think you're going to find much out there in the way of cheaper options. As livesoft said, this is also a question for her. If she doesn't want to think about it, then...
by jadedfalcons
Fri Jan 12, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2204

Re: wild bird feed

Jadedfalcons Not to hijack the thread, but what do you recommend to feed the squirrels? Thanks, Ace Honestly, they hit up corn pretty hard. You can get corn on the cob and special feeders for that, or just buy a bag of corn for them. Depends on what's in your area, stores like mine sell 50# bags of...
by jadedfalcons
Thu Jan 11, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2204

Re: wild bird feed

Avoid mixes with millet, milo, & cracked corn. They're cheap filler ingredients, and a lot of birds don't attack them with gusto (ironically, doves do, but part of that is probably due to the fact that they're ground feeding and the rest of the buggers just yank those seeds out of the feeder and thr...
by jadedfalcons
Mon Jan 08, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3770

Re: Frozen Pipes

Not sure if this has already been recommended in all the responses, but, if you do have a burst pipe, consider replacing it with PEX tubing. If the burst pipe is CPVC or copper, then you can just cut out the bad part and splice in a length of PEX tubing and use some Sharkbite fittings for an ultra e...
by jadedfalcons
Tue Jan 02, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1857
Views: 340207

Re: What are you up YTD? [Year To Date]

1.01% so far this year.

Would've been better, but T makes up over 9% of my holdings and dropped like a rock today. .87%. Year's not over, though, hopefully I can recover... :(
by jadedfalcons
Tue Jan 02, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Franklin Templ. vs Vanguard
Replies: 8
Views: 1154

Re: Franklin Templ. vs Vanguard

It has given what I feel are mediocre returns It may be worth noting here that Morningstar shows this fund having roughly 46% of its holdings in bonds, plus whatever "Other" is. Some of my family holds this as an "old" fund, so I have a fair bit of familiarity with it and personally rather like it,...