Search found 1132 matches

by iamlucky13
Tue Feb 12, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: Is Index Investing Just Betting on The U.S Economy?
Replies: 46
Views: 5064

Re: Is Index Investing Just Betting on The U.S Economy?

The original question is not about index investing in general, as indicated in the title, but about US vs. international investing. I don't think very many members of Bogleheads actually oppose international diversification. However, many members do believe that the US market alone is diversified en...
by iamlucky13
Mon Feb 11, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3522

Re: Passport Photos ?

No, you don't need to do any of this. As I mentioned, epassportphoto does it all for you: they have templates for cropping and positioning for every passport in the world. Then you order it online on Amazon and it's in your mailbox a week later. You're more likely to get a bad photo at Walgreens th...
by iamlucky13
Wed Feb 06, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2572

Re: Upgrade from Bose 301

May as well get a new AVR too. Denon AVR-X1400H for $300 (originally $600). I bought one of these last month and it works great for my home theater. If you're just listening to music than forget getting anything new. Even for TV, I don't see any significant reason to upgrade the AVR from a ~4 year ...
by iamlucky13
Wed Feb 06, 2019 7:55 pm
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 87
Views: 9623

Re: Crypto Exchange Loses Password; $190M Inaccessible

So Canadian crypto exchange QuadrigaCX with $190 million on deposit is locked out of its assets after the CEO's death, because no one else has the password . Isn't this an outdated value? I'm assuming the day before he reportedly died with the password, it was valued at $190 million. What is its va...
by iamlucky13
Sun Feb 03, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Subwoofer for music recommendations
Replies: 17
Views: 1047

Re: Subwoofer for music recommendations

If your current sub sounds muddy you might try experimenting with placement if you have not already. https://www.svsound.com/blogs/svs/75365187-the-art-of-subwoofer-placement That may well be part of it, but I'd guess that his current 50W Sony is not likely to be anything designed with clear, tight...
by iamlucky13
Sun Feb 03, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3738

Re: The real dog food diet...

My wife used to run the office for one of the best regarded vet clinics in our area (she has experience with several clinics, so she has a good baseline for comparison): they had two good vets, and a third who was downright excellent. Among other traits, he kept himself up to date on ongoing researc...
by iamlucky13
Fri Feb 01, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2528

Re: eBay Item NOt Received - but DELIVERED

As online sales become a bigger percentage of their businesses, sellers are putting increasing expectations on shipping services to deliver within specified times. Shipping services sign contracts that I'm guessing include penalties if they don't meet certain on-time rates. Those percentages are pro...
by iamlucky13
Mon Jan 28, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 5662

Re: Vanguard stole $0.01?

Ahh, so that's how Vanguard keeps expenses so low. They use the Office Space strategy. Yeah. If they do this 100,000,000 times, then somebody makes a million dollars. Makes me wonder. What would you do if you had a million dollars? I'll tell you what I'd do, man. Invest in two Total Stock Market fu...
by iamlucky13
Mon Jan 28, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 5662

Re: Vanguard stole $0.01?

There was a famous fraud where someone was stealing fractions of pennies from many transactions to make millions. I assume that's not happening here but just curious if others have seen the same outcome. Are you referring to Superman III? I have never seen Superman III but that was the movie refere...
by iamlucky13
Mon Jan 28, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Subaru Windshields and Eyesight Cameras - What's your experience?
Replies: 22
Views: 1430

Re: Subaru Windshields and Eyesight Cameras - What's your experience?

The car wash I go to will also have workers do the interior for extra. But even if they sprayed glass cleaner directly onto the windshield, is the camera really so delicate it can't handle a little overspray? I'm sure they're fine, but I also would not be surprised if Subaru refuses to put that in ...
by iamlucky13
Sun Jan 27, 2019 9:52 pm
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 58
Views: 3648

Re: How Did You End Up Here?

I needed to get a proper understanding of mutual funds, asset classes, reasonable expected returns, etc. A lot of mainstream sites and publications gave only very cursory information on these topics, while claiming to be comprehensive guides. Generic advice about asset allocation without explaining ...
by iamlucky13
Sun Jan 27, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Portable Air Compressor Adapter
Replies: 12
Views: 852

Re: Portable Air Compressor Adapter

If it looks like the fitting on the end of this hose: https://www.steelmantools.com/media/catalog/product/cache/e4d64343b1bc593f1c5348fe05efa4a6/h/t/httpimages.salsify.comimageuploads--onke9hbt--sjfmnxuyglasneitsgox.jpg It's a typical pneumatic quick disconnect. You'll need a tire chuck to connect t...
by iamlucky13
Fri Jan 25, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: light fixtures with integrated LED
Replies: 19
Views: 1056

Re: light fixtures with integrated LED

The pro is that integrated LED's can reduce manufacturing cost and give designers more versatility. The con is exactly what you noted. Most LED's really do have very long lifespans, but some users have significantly more issues than others, probably due to interference or electrical noise specific t...
by iamlucky13
Wed Jan 23, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Internet service speed issue
Replies: 25
Views: 1237

Re: Internet service speed issue

Just because it has to be asked: have you power cycled your modem and any other network hardware? Whitelisting is definitely possible. I know that for several years before there was a local upgrade, I could very reliably resolve inability to stream videos on Frontier DSL by loading speedtest.net. Re...
by iamlucky13
Wed Jan 23, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 3054

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

One more suggestion I found on another forum:

Smoking helps mask the odor of gasoline in the car. :twisted:
by iamlucky13
Wed Jan 23, 2019 12:19 am
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 48
Views: 3054

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

Gas cans sit behind the passenger seat in my Civic, in part because with the seat all the way back, it holds them stable in the foot space. I find the odor minor, but I suppose if I were driving very far, I might prefer to carry them in my trunk, tied to keep upright, or in a rubbermade bin, as sugg...
by iamlucky13
Mon Jan 21, 2019 11:55 pm
Forum: Investing - Theory, News & General
Topic: delete
Replies: 85
Views: 6231

Re: What active management stock funds would you own?

I currently have about 5% Primecap (VPMAX), because I have access to it in a 401K, and it's fairly consistent history of outperformance is intriguing. It seems a lower risk way to indulge the temptation to try to beat the market than individual stocks. It will remain a small percentage, and I may e...
by iamlucky13
Mon Jan 21, 2019 11:11 pm
Forum: Investing - Theory, News & General
Topic: delete
Replies: 85
Views: 6231

Re: What active management stock funds would you own?

I currently have about 5% Primecap (VPMAX), because I have access to it in a 401K, and it's fairly consistent history of outperformance is intriguing. It seems a lower risk way to indulge the temptation to try to beat the market than individual stocks. It will remain a small percentage, and I may ev...
by iamlucky13
Mon Jan 21, 2019 5:16 pm
Forum: Investing - Theory, News & General
Topic: xkcd Webcomic Weighs in on Technical Analysis
Replies: 15
Views: 1454

Re: xkcd Webcomic Weighs in on Technical Analysis

I had a suspicion after reading XKCD this morning I'd find it mentioned here. It never ceases to amaze me how seriously "technical" analysis is taken by mainstream analysts. Is it? I've never been clear on this. I know the newsletter industry is all over technical analysis. But those look to me like...
by iamlucky13
Mon Jan 21, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 48
Views: 3733

Re: Where to buy CR2032 batteries?

Ikea seems to be the cheapest consumer-oriented retailer I've found for CR2032's. Batteries on Amazon are risky, with a couple exceptions. It appears to be one of the worst categories for "Fulfilled by Amazon" abuse by unscrupulous third party sellers, and Amazon appears to have done little to comba...
by iamlucky13
Sat Jan 19, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1560

Re: Used electric car - a good deal?

The leaf is special in that it doesn't have active cooling for its battery like most EVs, this makes it highly susceptible to battery degradation in warm climates. This can take the sticker range down from 75 to 35 miles (depending on year) making it hard to fit into your regular driving. If the ca...
by iamlucky13
Thu Jan 17, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 78
Views: 7881

Re: Bogle "5% Gold"

What does buying gold in the event of hard times have to do with prepping? Do you think Jack Bogle was a prepper, since he advocated 5% of a portfolio be devoted to it? Venezuelans buy food with gold today . They sell their gold for the local currency and then immediately buy the food with the loca...
by iamlucky13
Wed Jan 16, 2019 9:41 pm
Forum: Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 8149

Re: 100% in VTSAX - Is it crazy???

You will be exposed to a lot of volatility by excluding or minimizing bonds. The closer you get to retirement, the more potential that volatility has to affect your savings when you need them. Hence why having a glide slope is a very common strategy. OP, Take a look at the performance of VTSAX From ...
by iamlucky13
Wed Jan 16, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Washington State Solar Incentives
Replies: 18
Views: 987

Re: Washington State Solar Incentives

How is solar going to work in Washington state? I assume you mean west of the Cascades, or perhaps places like Sequim. But even then it would seem like the shortened winter daylight hours would make it a poor value at almost any cost. Some parts of Eastern Washington have fairly decent production -...
by iamlucky13
Tue Jan 15, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2443

Re: End of an era - Boeing 727

I've always had an affinity for tri-motors. The Ford is probably my favorite, but the 727 certainly has a place in my heart, too. I never had a chance to ride on one, but a few years back, the Museum of Flight flew the very first one built from their restoration center to the museum itself, and I wa...
by iamlucky13
Tue Jan 15, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Washington State Solar Incentives
Replies: 18
Views: 987

Re: Washington State Solar Incentives

A quick sanity check on the installer's claimed energy savings per year looks reasonable. I've seen quotes shared before where the installers have significantly inflated expected production. That payback time is not accounting for the alternative value of that money (eg - paying down debt or investi...
by iamlucky13
Tue Jan 15, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11387

Re: Are You Dumping Netflix?

No change on our part in response to this, although I'm tempted to get rid of it simply because we don't watch much TV. i distinctly remember our inhuman resources department telling me raises are based on the cost of labor not on inflation. this they said to justify not giving raises that year. any...
by iamlucky13
Mon Jan 14, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2064

Re: Taking expensive DSLR on kayak?

I'd imagine you'll have an opportunity to reschedule your tour, so I'll weigh in on the original question: Yes, I definitely would. Depending on the expected conditions, I might consider a backup body instead*, but either way, within reason given my ability to afford to replace it, I'm willing to ac...
by iamlucky13
Fri Jan 11, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5644

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

The kids aren't bigger yet. I see no rush to upgrade, and rooftop boxes are a lot cheaper than owning a larger car. Growing up, we had higher than 100% occupancy of our vehicle (until the mid-90's, if I remember right, our state didn't forbid more occupants than seatbelts, as long as everyone who co...
by iamlucky13
Wed Jan 09, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3182

Re: Car Battery

Battery tender is the brand most often mentioned as they are easy to find anywhere, but their units are just dumb trickle chargers IIRC. Be careful if you get one with too high a rating you can overcharge your battery . NOCO Genius is a better option as their maintainers are smart and will not over...
by iamlucky13
Wed Jan 09, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2604

Re: I bought a new iPad on sale...should I have?

This is really a subjective question we can't answer for you. One of money's purposes is for spending on things that interest you. You will need some of it to spend later, but since it sounds like you now have a good plan for saving for later, you do NOT need permission from Bogleheads to buy a gadg...
by iamlucky13
Tue Jan 08, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3182

Re: Car Battery

Actually you are best served by connecting the trickle charger while the battery remains connected and in the car. Not only is this easier, but car's systems (primarily your radio) will retain their memory while the battery is maintained at a suitable charge. Is that a good idea with modern, sophis...
by iamlucky13
Tue Jan 08, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Past result is not an indicator for future performance
Replies: 29
Views: 2069

Re: Past result is not an indicator for future performance

Index funds are not immune. In fact, here's a statement from Vanguard shown on the information pages for every one of their index funds, and repeated in all of their prospectuses and annual reports: The performance data shown represent past performance, which is not a guarantee of future results. So...
by iamlucky13
Tue Jan 08, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3182

Re: Car Battery

FYI, many Hondas, and probably other cars, disable the radio as an anti-theft measure if battery power is lost. With the amount of electronics in newer cars. Changing batteries can involve providing a separate power source to the radio momentarily, or getting a code from Honda to reactivate the radi...
by iamlucky13
Tue Jan 08, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12818

Re: Recommendations for a 9mm handgun

I'm going to echo what has been written several times upthread: I do not recommend simply buying your first firearm based on model recommendations with no other background. I certainly do encourage you to continue your interest in firearms, but want to help you do so responsibly. Like driving, there...
by iamlucky13
Mon Jan 07, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: 24 inch electric range recommendations
Replies: 11
Views: 489

Re: 24 inch electric range recommendations

The structure is a timber frame and there is a knee brace that falls in the vicinity. I believe 30" overhead clearance requirement is to unprotected combustibles. https://codes.iccsafe.org/content/IRC2015/chapter-19-special-appliances-equipment-and-systems I don't know what qualifies as sufficient ...
by iamlucky13
Mon Jan 07, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Soft Button Icon - Current State or Future State ?
Replies: 9
Views: 539

Re: Soft Button Icon - Current State or Future State ?

"How to Dial An Extension on iPhone (Plus, Save Extensions to ... https://www.iphonelife.com/content/how-to-dial-extension-your-iphone Feb 15, 2018 - How to Dial an Extension on iPhone. Open the Phone app. Dial the main number you're calling." But my iPhone doesn't have a dial. What to do? What to ...
by iamlucky13
Mon Jan 07, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Soft Button Icon - Current State or Future State ?
Replies: 9
Views: 539

Re: Soft Button Icon - Current State or Future State ?

Soft user interface conventions have been and are going to be an issue for decades. Sorry to say it, but the future state is a confusing mess as I'm sure plenty of new devices will become common place in our lives. It certainly would be far less of an issue if there were not lag. By the way, thread ...
by iamlucky13
Mon Jan 07, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2508

Re: Who pays for apps?

I don't own a smart phone, but think this is an interesting question. These devices often cost $500-$1000, plus an average of around $80/month (per household) for service. The cost is considered justified based on the functionality the devices offer. But additional programs beyond what come pre-inst...
by iamlucky13
Mon Jan 07, 2019 2:04 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1516

Re: washer dryer rec

Not a recommendation for a washer and dryer, but the house I moved into two years ago had two washer/dryer hookups, and I still love being able start two loads at the same time. If you're building right now, I'm guessing the cost of adding a second set of hookups/vents would be minuscule. One of th...
by iamlucky13
Fri Jan 04, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8378

Re: Your ideal home size

One person's rooted is another person's tied down.:) Yep. That and it's converse were part of my point. Although the main point was that there is still a certain amount of personal space that is right even for people not tied down. Yeah, so many homes are poorly designed with lots of wasted space. ...
by iamlucky13
Fri Jan 04, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: 2019 Roth all at once or over time.
Replies: 19
Views: 1460

Re: 2019 Roth all at once or over time.

You no longer need to have $10,000 to have Admirals shares on most Vanguard funds. This is a recent change you can read about here: https://investornews.vanguard/our-index-funds-changed-investing-forever-now-were-making-them-even-better/ Furthermore, the difference in expenses between Total Bond Adm...
by iamlucky13
Thu Jan 03, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8378

Re: Your ideal home size

Never owned a house and have always personally disdained owning one. I absolutely abhor the thought of siphoning off my life away to maintain stuff. After spending what seems like lifetimes drenched in the vacuity of Beverly Hills, "Hollywood", and Los Angeles, I see right through the "lifestyles o...
by iamlucky13
Wed Jan 02, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8378

Re: Your ideal home size

One more data point to add because it's a curiosity to me to see such different taste than my own: My neighbors recently tore down the existing house on their property and built what I presume was their "ideal." They're a retired couple. 3 bedroom, 3-1/2 bath, 4800 square feet, not counting the arbo...
by iamlucky13
Wed Jan 02, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8378

Re: Your ideal home size

Our current is less than our ideal; 2 adults + 2 kids, and maybe more in the future. 1800 square feet, 3 bed, 1.75 bath It is sufficient, but in part due to an inefficient layout and minimal closet space versus numerous hobbies, we would greatly welcome more room. If I had to take a stab at what I'd...
by iamlucky13
Wed Jan 02, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1139

Re: AED for the home?

My sister in-law works for Medtronic and they were selling small portable AEDs to their employees for under a $1000. I got one through her. I taught my wife how to use it in an emergency. That was 10 years ago. I finally gave it to the local high school gym. Ambulances can get to my house in under ...
by iamlucky13
Wed Jan 02, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2344

Re: What is the truth - paper towels vs. electric hand dryer?

https://www.health.harvard.edu/blog/the-bacterial-horror-of-the-hot-air-hand-dryer-2018051113823 It’s true. Nasty. Attached article includes link to the source studies. That's rather an exaggeration. Bacteria are out there. Everywhere. Including the paper towel dispenser. Society needs to get a gri...
by iamlucky13
Wed Jan 02, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1455

Re: Black licorice fans - suggestions?

I don't have brand recommendations, but for food items often not available at the supermarket, one of the first places I usually look is Cost Plus World Market. I know they have a modest selection of licorice. After buying -- and consuming -- 3 or 4 bags in quick succession I quit cold turkey. That ...
by iamlucky13
Tue Jan 01, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Low maintenance yard - new home and HOA
Replies: 27
Views: 2181

Re: Low maintenance yard - new home and HOA

HOA's vary widely in what they enforce and to what degree. I've heard stories ranging everywhere from nobody even knows who to contact when there are conditions approaching actual hazard level, to a member who, after a teenage neighbor lost control on a curve and crashed into their garage, patched i...