Search found 1026 matches

by iamlucky13
Wed Nov 14, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4119

Re: Point and shoot camera

Hey, I really liked this. And, I did buy the first Canon suggested, the ELPH 180. Went to B&H today. Very pleasantly surprised. Service with a smile from patient and knowledgeable young people. If the thought bying a low end point and shoot was tacky, it didn't show. Sounds good. Enjoy the new came...
by iamlucky13
Mon Nov 12, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 3917

Re: Feeling uneasy about recent splurge

Coming from a guy who slept on what was probably a ~$100 twin (I could feel the springs, but they were padded enough for me) my stingy parents were using as a guest bed until I laid claim on it after college, for over 5 years until I got married... ...I support your decision. I still have no trouble...
by iamlucky13
Mon Nov 12, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1130

Re: Prepaying for Rental Car - Availability Guaranteed?

Because it seems like a significant portion of the people I know have a story about being stranded without a car because the rental company overbooked, and I assume if I'm going to get bit by this risk, a popular travel time like a holiday is when it will happen. I don't expect it as more likely th...
by iamlucky13
Mon Nov 12, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1130

Re: Prepaying for Rental Car - Availability Guaranteed?

If I prepay for the reservation, does that guarantee the rental availability? I'm asking with respect to holiday travel, so I expect a relatively high risk of there not being a car available. My understanding is that a "reservation", even if prepaid, only guarantees the rate. Whether there will act...
by iamlucky13
Mon Nov 12, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1130

Re: Prepaying for Rental Car - Availability Guaranteed?

I expect a relatively high risk of there not being a car available. Why do you expect this? When the vehicle in my size class isn't available I'm upgraded. I've never been left without a vehicle. I recently started prepaying for my rental as there is a good discount. If there is no discount, I woul...
by iamlucky13
Sun Nov 11, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1130

Prepaying for Rental Car - Availability Guaranteed?

I know that the normal rental agreements for cars do not have a cancellation fee, and in turn, the rental company does not guarantee there will actually be a car available. In-fact, I've read they will often wildly overbook during busy times due to the numbers of no-shows they normally get. I search...
by iamlucky13
Sat Nov 10, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4119

Re: Point and shoot camera

Seriously, if you were happy with the results from a 15 year old coolpix, you will be happy with the results from any higher end smartphone. They already expressed a preference for a 15 year old Coolpix over whatever phone it is they have. The problem is the Coolpix died. Everyone should keep in mi...
by iamlucky13
Sat Nov 10, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4119

Re: Point and shoot camera

There is absolutely zero point in buying a camera unless it has a viewfinder, which will knock out 95% of P&S camera, so you can narrow your search down from there. It can be an optical or electronic viewfinder, and doesn't even have to be the most awesome viewfinder ever, it just has to be there. ...
by iamlucky13
Thu Nov 08, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2024

Re: New Treadmill - Proposition 65 Warning Label

The listed chemicals were Acrylamide and Toluene. Chemicals also naturally present in baked goods and perfumes. Ignore the warning label. Proposition 65 has absolutely nothing to do with safety. The chemicals on the list are scientifically verified to be linked to cancer, but Proposition 65 is not ...
by iamlucky13
Tue Nov 06, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10516

Re: This man can predict when bubbles burst: time to time the market?

I suffer from anxiety and I am afraid of huge losses in my investments. Taleb shows that extreme events are possible and losses in the stock market can be much higher than the bell curve predicts. So I am looking for ways to manage my anxiety in this, including by researching serious methods of ris...
by iamlucky13
Tue Nov 06, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10516

Re: This man can predict when bubbles burst: time to time the market?

So why not time the market based on his predictions? Isn't the Bogleheads philosophy and belief in EMH, just like medieval philosophy, superseded by reason and scientific inquiry, as shown in Sornette's work? No. The efficient market hypothesis is called a hypothesis for a reason. It also is not ge...
by iamlucky13
Mon Nov 05, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: How to know if you’re “On Track”?
Replies: 13
Views: 2099

Re: How to know if you’re “On Track”?

https://www.firecalc.com/ Make sure you complete all the tabs across the top. I have seen this link shared before, but never taken the time to read the instructions and fill it out until now. It was a bit confusing at first, especially because you don't input a future retirement date until first co...
by iamlucky13
Sun Nov 04, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Question on the 4% withdrawal rule
Replies: 66
Views: 4347

Re: Question on the 4% withdrawal rule

Isn’t the idea that you’d continue with the 40k + inflation adjustment forever for a 1 mil portfolio because the good times balance out the bad over a multi decade retirement? It would be hard to stick to this if portfolio started running down or up significantly however. That's part of it, but the...
by iamlucky13
Wed Oct 31, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Is market cap weighting a dumb idea?
Replies: 64
Views: 2987

Re: Is market cap weighting a dumb idea?

Since the first post didn't state what Mr. Faber's ultimate point was, I went to the referenced source: his Twitter page Once I got as far as "38/ PART IIII tomorrow," (I scrolled down to confirm that "IIII" is supposed to signify 4, rather than a typo for 3), I realized the likely reason why steve3...
by iamlucky13
Tue Oct 30, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4708

Re: GE: We Bring Bad News To Life!

The first rule in investing - never pass up free money. Large cap, mid cap, small cap from time to time the baby is thrown out with the bath water, if you can filter out the noise it can be very profitable. I know folks don’t like to hear it, but Buffett has been very successful and mainly with lar...
by iamlucky13
Tue Oct 30, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4675

Re: 2019 Subaru Outback 2.5 vs 3.6

Agreed. 99% of the time the max cargo will be 2 adults, 1 kid, 1 dog, and gear. But I couldn't rule out the occasional trip with relatives or whatnot. These situations would be few in comparison to "normal" duty. You will pay the higher purchase price, plus the higher fuel cost 100% of the time, fo...
by iamlucky13
Wed Oct 24, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: COBRA clarification (loophole?)
Replies: 13
Views: 979

Re: COBRA clarification (loophole?)

Technically possible, but also penny-wise, pound foolish IMHO. Have seen it done successfully (usually without that short open period) but also seen it backfire and create a fiasco that a prior poster alluded to-a work colleague did this, his wife had a car wreck, not terrible but 20K bills and the...
by iamlucky13
Wed Oct 24, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: COBRA clarification (loophole?)
Replies: 13
Views: 979

Re: COBRA clarification (loophole?)

That sounds right. Give some consideration to your savings level though, because as I understand it, you may need to be prepared to pay: 1.) Two months retroactive premiums 2.) Your November premium 3.) Possibly your December premium, if it is due the 1st of the month. 4.) Your medical bills at a no...
by iamlucky13
Tue Oct 23, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 4813

Re: When Will Attaining Millionaire Status Be Obsolete?

I slept right through becoming a millionaire without even knowing it. By the time I read something that said that one should know the cost of their investments, I had half a dozen accounts and not only had I not paid attention to the amounts in each, I couldn't even point to all the accounts. It to...
by iamlucky13
Mon Oct 22, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4866

Re: Beer - Strong German Style Lagers

Paulaner Salvator Doppel Bock is worth trying. It is strong. Makes U.S. beers seem like water. I suppose that is a common belief about American beers, anyway... I can't say anything against Paulaner, as I've never tried it and have no doubt it's great, but I know the US beer market offers brews com...
by iamlucky13
Mon Oct 22, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8647

Re: Quitting w/o notice

Your own health should be your first priority in this decision, and your family should also be more important than work. If you can remain the 2 weeks without risking your long term health, and spend the time with your father than you need to, I'm in favor of offering to stay for 2 weeks. Regarding ...
by iamlucky13
Sun Oct 21, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3073

Re: Why Purchase an Automobile using Premium Gasoline?

Not to get too far off topic but I have always wondered when I go to the pump and buy premium fuel, is the first gallon or so of the gas I get from the pump the grade of fuel the previous customer had? For instance if the guy before me bought 87 Octane and I then step up next and buy 91 Octane, isn...
by iamlucky13
Sun Oct 21, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4265

Re: noisy generator

I suppose the simplest thing to do is to shut it down and start it up as desired, so you can at least have quiet at night for example, if you are willing to have the power off for that duration. The question is, how long can one have the power off if the temp is, say, minus ten degrees. Good point....
by iamlucky13
Sun Oct 21, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 30
Views: 2105

Re: Headlamp for dog walking

One more thing: don't use alkaline batteries except as backups. With as often as you indicate you will use your light, the payback of rechargeables will be pretty quick. More importantly however, they can't sustain 100+ lumen outputs very well, and the relatively high drain rates involve significant...
by iamlucky13
Sun Oct 21, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 30
Views: 2105

Re: Headlamp for dog walking

As long as you aren't the sort of person who likes as high of output as you can get, I think 1xAA lights are fine for most people. They're roughly equivalent to the more common 3xAAA models for battery capacity. I think most people should be comfortable walking or even jogging on reasonably well-mai...
by iamlucky13
Sat Oct 20, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4265

Re: noisy generator

I suppose the simplest thing to do is to shut it down and start it up as desired, so you can at least have quiet at night for example, if you are willing to have the power off for that duration.
by iamlucky13
Sat Oct 20, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4866

Re: Beer - Strong German Style Lagers

Marzen style beers are available as ales as well as lagers. While most small breweries prefer to make ales for the shorter fermenting time, I drink a decent amount of lagers, too, and while there are some differences in typical flavor profiles, I don't have really a preference one way or the other. ...
by iamlucky13
Fri Oct 19, 2018 1:25 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5524

Re: Jury duty - already booked vacation

2. While illegal, my then-boss made it clear that she considered me a waste of space, because “any idiot can get out of jury duty.” It was easier to just get a new job than talk to her about civic duty. I was curious if anything interesting came up in the dozens of comments that followed the OP sta...
by iamlucky13
Thu Oct 18, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2957

Re: unlicensed repair guy possibly spent our material deposit

What could the OP have done differently to have avoided the problem? I believe there are many fine such folks, by the nature of the business, that are faced with cash flow challenges. Maybe (?) the OP could have purchased the needed material, but that might only work for some kinds of supplies/mate...
by iamlucky13
Tue Oct 16, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: White LED Christmas Lights
Replies: 7
Views: 912

Re: White LED Christmas Lights

By bright white, do you mean a "cooler" tone (some may describe as bluer) than the typical "warm" (some may describe as yellow or orange) hues of incandescent lights? Unfortunately, unlike light bulbs, I don't recall ever seeing a single LED Christmas light maker publish a color temperature figure o...
by iamlucky13
Fri Oct 12, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1081

Re: Crawlspace flooding issues - builder liable?

Flooding in the crawlspace during a hurricane or other very high precipitation storm does not necessarily concern me. If it doesn't drain away within a few days of the storm, or happens during regular rain events, it does concern me. I believe code requires 6" slope for the first 10 feet around the ...
by iamlucky13
Thu Oct 11, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11540

Re: 1.5 liter wine

Agreed. Boxed wines can be a really good value. Because the bag doesn't let much air in, they keep longer after opening, too.

10 years is a quite vintage for a discussion thread.
by iamlucky13
Thu Oct 11, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7291

Re: My life saved by New subaru. Almost died.

A few years ago I asked my friend, a vehicular homicide detective, what the safest cars out there were. He told me to get the heaviest vehicle I could afford, and the laws of physics were the best safety feature. The Insurance Institute for Highway Safety researches this topic to help insurance com...
by iamlucky13
Thu Oct 11, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7291

Re: My life saved by New subaru. Almost died.

Ugh...I hate that situation, tech or no tech. Forced to a sudden stop and you glance back to see cars coming up fast behind you. It happened to me once when somebody made a rather sudden stop to wait for a chance to make a left turn on a busy 2-lane highway. I was paying attention and didn't have mu...
by iamlucky13
Thu Oct 11, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2319

Re: tablet or small laptop for general and travel computer?

I spent a bunch of time on a similar decision not too long ago, including I'm sure over an hour playing with the display models at Best Buy. I think any of these options can be quite reasonable, but my personal preferences led me to an ultra-thin 13" laptop (Lenova Yoga) for the larger, more ergonom...
by iamlucky13
Thu Oct 11, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5614

Re: Keep a backup hot water heater?

If you change the anode in the tank every 5 years, or so, you will increase its life substantially. +1 If others of about the same age are failing near you, now is the time to change the anode. Less than $50, less than an hour of time. If others are failing, and the anode has not previously been ch...
by iamlucky13
Thu Oct 11, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4787

Re: Index-ish fund that lacks FAANG?

So call it what you will, it's still a case of the individual investor believing they know more than does the market; in other words, it's stock picking. The so-called FAANG stocks are a major portion of the market, and a major portion of the income-producing economy of the US. Why would you not wa...
by iamlucky13
Wed Oct 10, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4965

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...
by iamlucky13
Wed Oct 10, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 18
Views: 2062

Re: Any natural hedges to stocks?

What prompted the tweet? Did the Dow drop 600 points today or something? Should I be unsettled by this one day drop? I'm asking rhetorically, but I suppose there is a legitimate Bogleheads take on the question focused on time frames that Bogleheads are actually interested in. Cash - A dollar is alwa...
by iamlucky13
Tue Oct 09, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4174

Re: Where is that value premium?

THAT is interesting and data I've never seen before..... I actually hadn't either, but when you raised your point, I had a suspicion I might see a graph like that if anybody had published such data. I found that article and graph almost instantly, and quite a few others that were similar. Most of t...
by iamlucky13
Mon Oct 08, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Where is that value premium?
Replies: 57
Views: 4174

Re: Where is that value premium?

Will the 'small' part persist given the massive decline in the number of publicly traded companies, most of them small? As Bogle points out, we used to have the Wilshire 5000 index....no longer. Less than 4,000 publicly traded companies now. It's rather hard to even guess since as a starting point ...
by iamlucky13
Sat Oct 06, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3400

Re: Garage Shelving?

It's hard to beat the price of the 2x4 and plywood/OSB style homemade shelving.

If you're not the DIY type, look also at your local home improvement stores. Costco isn't automatically the best value.

That said, $250 for a well made set of 2' x 8' shelves is a pretty respectable price, in my opinion.
by iamlucky13
Sat Oct 06, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1272

Re: Radon

Whether it is likely to be an issue varies by region, but clearly you were in a region where it would have been wise to test. That's quite a high level, especially for a bedroom, and well worth the cost of addressing. Be aware you will still likely see your levels vary throughout the year, and even ...
by iamlucky13
Fri Oct 05, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: A little blip - and the media goes crazy
Replies: 16
Views: 2293

Re: A little blip - and the media goes crazy

I didnt go looking for this info, but a little drop and the media circus starts again. Warning of 30 no 40 no 70 percent drop in stocks just around the corner. Has it always beeen like this? Or has social media made it worse? Which media? The sort of sensationalism I normally see in the mainstream ...
by iamlucky13
Wed Oct 03, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2258

Re: Dentist bill came 4-5 months later, is this unreasonable?

Yes, it is very unreasonably delinquent, but many things are unreasonable about health care billing practices, and unreasonable is not the same as invalid, in case that was part of your question. Just make sure they aren't charging you any late fees etc. If they are, you'll probably have to take it ...
by iamlucky13
Wed Oct 03, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Sconces, fixtures without replaceable bulbs/LEDs
Replies: 14
Views: 817

Re: Sconces, fixtures without replaceable bulbs/LEDs

In addition to the heat challenges (as well as space to package reliable electronic drivers) that custom designed, integrated fixtures can help alleviate, replaceable bulbs are under tighter price pressure, due to direct competition, than integrated fixtures are. My main hesitation with integrated L...
by iamlucky13
Tue Oct 02, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 10636

Re: General Electric

Son just got an on campus interview with GE. I warned him....they may not be able to pay you. New CEO has a solid track record. Comes from Danaher which is like an under-the-radar Berkshire Hathaway. Based on limited observation from indirect ties to Tektronix, my impression is Danaher will stay un...
by iamlucky13
Tue Oct 02, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10803

Re: SEC charges Musk with Fraud!

Tesla is in at least some total stock market funds, including Vanguard's, but it is not in the S&P 500.
by iamlucky13
Tue Oct 02, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard reccomend 60:40 US:International ratio?
Replies: 52
Views: 7760

Re: Why does Vanguard reccomend 60:40 US:International ratio?

Many of Vanguard's white papers are worth reading in order to better understand common recommendations like this. Here's one: https://personal.vanguard.com/pdf/icriecr.pdf It's from 2012, but I don't expect the picture changes radically if it were to be updated. They see most of the benefit to volat...
by iamlucky13
Tue Oct 02, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2425

Re: city water sewer vs well septic

No one has discussed what I think is the big issue, at least in my suburban area that has a mix of well/public water and septic/sewer: marketability of the home...But apples to apples: same size lot, same size house, same location - in my area well+septic is probably going to be $10K less than if p...