Search found 1333 matches

by iamlucky13
Thu Jul 18, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1294
Views: 122069

Re: U.S. stocks continue to soar!

Tying this in carefully, to stay on topic: The soaring US stock prices are paralleled by very low "alternative measures of labor underutilization," as the BLS calls them, such as a U3 rate of only 3.7%. However, the number of people "unemployed" is very, very different from the number of people not...
by iamlucky13
Thu Jul 18, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 14
Views: 836

Re: Microwave Fire

Could you please clarify: was the fire source the item being cooked, or a microwave component? If the former, I'd say Whirlpool went above and beyond. If the latter, I'd say getting the unit back to investigate the cause to determine if there is a design or manufacturing defect to address is a mini...
by iamlucky13
Thu Jul 18, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 49
Views: 2740

Re: Garage Organization

Two walls have french cleats on the walls with many frequently used tools on those. The french cleats have worked very well since they can be easily adjusted so what's needed for your current projects is easily seen and used. Two other walls have shelved from floor to ceiling built heavy enough to ...
by iamlucky13
Thu Jul 18, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 14
Views: 836

Re: Microwave Fire

Could you please clarify: was the fire source the item being cooked, or a microwave component? If the former, I'd say Whirlpool went above and beyond. If the latter, I'd say getting the unit back to investigate the cause to determine if there is a design or manufacturing defect to address is a minim...
by iamlucky13
Thu Jul 18, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 45
Views: 3972

Re: Harrassed at work, what steps to take to protect her future employment

First thought: ensure overtime regulations are being met, although that is likely irrelevant if this is an exempt position. Is she being asked specifically to work late, or are the late hours based on the completing tasks assigned? Assuming there are others in similar roles to compare to: are other ...
by iamlucky13
Wed Jul 17, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 49
Views: 2740

Re: Garage Organization

I've got a long ways to go, but part of my start is building in heavy duty shelves from 2x4's. Currently a lot of smaller stuff is sorted into cardboard boxes by type, but in the long run, I may transition to plastic storage bins. I have a work bench of similar construction to the shelves, with pegb...
by iamlucky13
Tue Jul 16, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 458
Views: 35666

Re: Talk me out of buying a Tesla Model 3

https://cleantechnica.com/2019/07/10/tesla-model-3-awarded-2019-car-of-the-year-by-uks-auto-express-reflections-on-uk-media-coverage/ Interesting worthwhile current event article. Also interesting is question posed why US media mostly anti Tesla while European press mostly laudatory. I do suspect o...
by iamlucky13
Tue Jul 16, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 27
Views: 5707

Re: Primecap Admiral Fund VPMAX

My brother has held PRIMECAP for over 20 years and he's happy with it. Unfortunately he holds it in taxable. I've suggested several times to take the distributions to contribute to IRA and re-purchase PRIMECAP there but he's reluctant. Maybe he just doesn't want to call Vanguard to work around the ...
by iamlucky13
Mon Jul 15, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1294
Views: 122069

Re: U.S. stocks continue to soar!

That is completely untrue. Most such workers need multiple jobs to make ends meet.. When I was doing a self checkout at the Shop Rite I asked why there weren't more registers open. I was told they can't hire enough people. I see help wanted signs in many windows. That is anecdotal; The unemployment...
by iamlucky13
Sun Jul 14, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: Why mutual funds are more dangerous than ETFs
Replies: 32
Views: 3435

Re: Why mutual funds are more dangerous than ETFs

Why mutual funds are more dangerous than ETFs "Dangerous" suggests something a lot worse than the described risk of modest, relatively rare trading errors. If I found out one of my biweekly contributions of roughly 0.13% of all my planned retirement contributions ended up misvalued by 3% to my detr...
by iamlucky13
Fri Jul 05, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 11513

Re: Doubling Your Money

I think you can get a reasonable historical range of expectations from Portfolio Visualizer. Maybe there's easier ways than using their Monte Carlo tool, but this is simply how I've explored similar questions in the past: https://www.portfoliovisualizer.com/monte-carlo-simulation For simply assessin...
by iamlucky13
Fri Jul 05, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1479

Re: inkjet printer recs

A particularly annoying thing with color inkjet printers is that many will stop printing if one of the colors goes out, even if you're just trying to print a black and white page. My most recent Epson did this, but my most recent HP did not. To me this is one more reason not to get a color printer ...
by iamlucky13
Wed Jul 03, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Performance car test rides (not just Tesla)
Replies: 15
Views: 961

Re: Performance car test rides (not just Tesla)

I've read things online about the performance ride being stiffer, though I do not understand what this means. Can anyone help me understand performance vehicle driving and riding characteristics better? I haven't driven a Model 3 to give detailed feedback, but in general regarding stiffness: Perfor...
by iamlucky13
Tue Jul 02, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 29
Views: 1765

Re: Wood burning stoves

I have a Jotul. I like using the ash tray door to help get the stove going. Many people are against that but it works. The danger of doing that is when you go to empty the dishwasher "just for a minute" while the stove heats up and then 30 minutes later when you remember you left the ash pan cracke...
by iamlucky13
Tue Jul 02, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5696

Re: Are you a serious DIYer?

How do you prioritize what to do first? I'd prioritize like this: 1. Items that are a safety hazard (or risk of significant damage) 2. Items that are a neighborhood eyesore 3. 2. Items that will improve your day-to-day life and make things easier 4. 3. Cosmetic items that improve the rooms you spen...
by iamlucky13
Tue Jul 02, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 3418

Re: Keep garage 'cooler' during summer

Is the garage insulated? Are there soffit vents and either a gable or ridge vent? If not, these options should be considered. A gable vent with a fan that runs only at night could help significantly. A combination of soffit vents, ridge vents, and a baffle above any insulation to ensure a good air g...
by iamlucky13
Mon Jul 01, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5696

Re: Are you a serious DIYer?

I had to call the plumber for a serious issue and was disappointed that I couldn't fix it myself. The repair was straightforward in the end and cost me $125 but I learned something that will make this kind of call unnecessary in the end. How DIY are you? Does being DIY save you money, or is it enjo...
by iamlucky13
Mon Jul 01, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

You appealed and were denied. Appeal to the 2nd level. I was once treated by an out of network ER doc whose charge was denied. Appealed and claim was denied. 2nd appeal as a Hail Mary and I included in my explanation that as I understand the insurance company's logic, next time, as a patient with a...
by iamlucky13
Mon Jul 01, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7287

Re: Healthcare Nightmare after wife's surgery

Look into who the third doctor is. Could be anesthesia, pathology, radiology, or others... Right. Just because a provider was not one of the surgeons that you knew, it does not mean that s/he didn’t provide a service to your wife. It is one thing to try to get a bill reduced. It is another to refus...
by iamlucky13
Mon Jul 01, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 29
Views: 1765

Re: Wood burning stoves

You're looking for a free-standing stove, not a wood-burning insert for an existing open fireplace, right? Will this be your main heat source, or supplemental heat for cold temperatures, power outages, etc? If the main heat source, you should consider a catalytic model, which can eke a few more perc...
by iamlucky13
Sat Jun 29, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Have nice car but too OCD to enjoy it.
Replies: 45
Views: 3024

Re: Have nice car but too OCD to enjoy it.

A nice sports car or a nice luxury car? If it's a sports car that is some way less convenient to drive (eg - hard to get in and out of, throttle too touchy in traffic, etc), it seems pretty sensible to drive it mainly when you can have fun, and use the practical car otherwise. If it's a luxury car t...
by iamlucky13
Fri Jun 28, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: roofing nails
Replies: 20
Views: 1028

Re: roofing nails

I've re-roofed a few houses. It's very hard to keep the nails from escaping. A big strong magnet should be thought of as basically a tool of the trade. When I helped my brother with his house, his kids earned bounties for finding nails after we were done. They definitely should not be leaving them o...
by iamlucky13
Fri Jun 28, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 39
Views: 4377

Re: Purchasing Major Appliances from Costco

Take away: Check to see if they offer service in your area as well. +100 The most important question you should be asking yourself is how you are going to service the thing when it no longer is under warranty. Every big box store in my area sells LG appliances. Not a single person can get parts for...
by iamlucky13
Fri Jun 28, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: New debit card without requesting it?
Replies: 11
Views: 596

Re: New debit card without requesting it?

Haha... gotta love it when BHs come on here asking why did this company do this or that. I don't know. Did you ask them? :happy I often get better info here than by calling a company. Just sayin’. Sadly true. Sometimes it seems like random strangers on the internet know more about various companies...
by iamlucky13
Thu Jun 27, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 39
Views: 4377

Re: Purchasing Major Appliances from Costco

We bought our washer from Costco and our drier from Lowes...or vice versus...I don't remember exactly, but the choice was a result of comparing prices at different stores on the models we had chosen. Anwyays, the experience didn't give me a strong preference one way or the other. Lowes uses their ow...
by iamlucky13
Thu Jun 27, 2019 4:28 pm
Forum: Personal Investments
Topic: Any way to at least indirectly invest in SpaceX or Blue Origin?
Replies: 8
Views: 872

Re: Any way to at least indirectly invest in SpaceX or Blue Origin?

For an individual small investor that is. No IPO planned for either as far as I know, but is there some indirect way? Yes, it is the opposite of diversification. Plenty of Bogleheads buy individual stocks with a small "play money" part of their portfolio, usually with the goal of increasing their r...
by iamlucky13
Thu Jun 27, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 1985

Re: Individual Stocks .. talk me out of it

I see multiple sites offering subscriptions for a portfolio of stocks they pick. There are a lot of people out there happy to accept your money in exchange for a list of stocks they pick. There's no reliable way of knowing if the list is good, however. Even past good performance is not a reliable i...
by iamlucky13
Tue Jun 25, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Is this overkill on construction work
Replies: 11
Views: 1674

Re: Is this overkill on construction work

The contractor is proposing to dig three holes (one for each support post) 30" X 30" 4' deep and pour a 14" pad with rebar. On top of the pad he would install an 8" Sono Tube with rebar which the support post would be attached. Some how the 30" X 30" pad 4' deep seems excessive. This is correct. Th...
by iamlucky13
Tue Jun 25, 2019 2:21 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2337

Re: Clearing undergrowth and bush

I have been dealing with thousands of square feet of Himalayan blackberries for the last few years, between what was on my property when we bought it, and what is on an unoccupied neighboring property that I keep trimmed back away from our property line. A machete has turned out to work better for m...
by iamlucky13
Thu Jun 20, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1234

Re: Smoke Alarms with 10 Yr Batteries

I don't think the 10-year battery ones have actually been on the market for 10 years yet The 10 year batteries have been around for decades. They have about the same voltage of standard alkaline 9V batteries, but a different internal chemistry - lithium iron disulfide. Actual battery life depends o...
by iamlucky13
Wed Jun 19, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

3-20Characters - since you use your laptop daily, I would say the strategies that minimize battery cycling: (A) Plugged in, but since it is asleep and not consuming much energy, this is not a high priority if there are convenience reasons to leave it unplugged while asleep. (B) Same as (A) (C) There...
by iamlucky13
Tue Jun 18, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

As noted above, there is a lot of "superstition" about batteries passed around the internet. To get around that for engineering purposes, I've studied the topic based on actual academic and industry research, so here's some summary information: Lithium ion batteries lose capacity both due to charge ...
by iamlucky13
Tue Jun 18, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4368

Re: Radon levels in home

The 4 pCi/L EPA action limit is arbitrary. This is equivalent to something like 200 chest x-rays per year. Unless you believe this is all hype, there is no proven safe level for ionizing radiation - it is a statistical "game." I would rather minimize any exposure above the unavoidable background. A...
by iamlucky13
Mon Jun 17, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2674

Re: Recommendation for light beer.

I am trying to keep carbs low in my diet due to slightly elevated blood sugar at last physical. Unfortunately this means avoiding beer which I really enjoy. I’ve tried a few light beers and its feels like I’m drinking seltzer water. Not much into wines. Does anyone here have a brand that has a full...
by iamlucky13
Mon Jun 17, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Keep 12 yr old bmw?
Replies: 22
Views: 1698

Re: Keep 12 yr old bmw?

I have a 2007 3 series BMW with 110k miles. It has had relatively few problems and never caused me to get stranded. The car has been maintained well and I’ve been getting premium gas for all these years. I have a local non dealership mechanic who has fixed some minor problems (<800 dollars) for muc...
by iamlucky13
Fri Jun 14, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2282

Re: Petroleum pipeline on property

I'm not an attorney but I think it would be the responsibility of the buyer to perform a thorough title search to reveal any pipeline easements, not the seller's responsibility to disclose, unless there is a disclosure form that specifically asks them to disclose any easements or pipelines on the p...
by iamlucky13
Wed Jun 12, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: "The S&P 500 Is Beating Yale's Endowment Fund"
Replies: 34
Views: 4173

Re: "The S&P 500 Is Beating Yale's Endowment Fund"

Ivy League Endowment Funds seem to be a roughly monthly topic on Bogleheads. Two important factors to keep in mind each time this topic comes up: 1.) The most-frequently discussed endowments are not benchmarked to the S&P 500, nor do they have similar investments such that the S&P 500 is a very usef...
by iamlucky13
Fri Jun 07, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3662

Re: Toaster ovens - safe? better alternative?

They're reasonably safe in my opinion, like a space heater - there are precautions to take, but they are not onerous. You're supposed to keep combustibles off of them, although feeling our toaster oven, I doubt the outside surfaces get hot enough to start a fire unless you stack enough stuff on it t...
by iamlucky13
Fri Jun 07, 2019 12:01 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7847

Re: US stocks still look better than anywhere else

Short summary of the article: Past performance indicates future results, therefore buy high and sell low. Who knows. Maybe US equities will continue to outpace the rest of the world, but I'm not willing to bet on it. At the same time, I'm hesitant to go market weight US/international based on the po...
by iamlucky13
Thu Jun 06, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3712

Re: Does a big family need 2 big cars? Question for 3 kid+ families

This sounds like a concern that can wait until you have a big family. :D I mean that light-heartedly, not mockingly. I grew up in a family of 9 kids. We had a minivan and a compact car. There's always compromises, but it works. Also, have you heard of Parkinson's Law? One of the commonly mentioned c...
by iamlucky13
Thu Jun 06, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5005

Re: Gillette Fusion razors

Cartridge razors are all ripoffs as far as I am concerned. I have found them to be a better value than disposables (especially in Costo packs), because of the poor initial sharpness and rapid dulling of the latter. At best, I only ever got mediocre shaves with lots of skin irritation from disposabl...
by iamlucky13
Thu Jun 06, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5005

Re: Gillette Fusion razors

Cartridge razors are all ripoffs as far as I am concerned. I have found them to be a better value than disposables (especially in Costo packs), because of the poor initial sharpness and rapid dulling of the latter. At best, I only ever got mediocre shaves with lots of skin irritation from disposabl...
by iamlucky13
Tue Jun 04, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3725

Re: Havasupai, Have a Sticker Shock

The sketchiest part by far is the descent of Mooney falls. If you have a fear of heights (like the hikers in front of us did, unfortunately) it could be a very tough experience. Mooney Falls was my favorite part of the trip in no small part for the climb down, but be aware it is a more or less clim...
by iamlucky13
Tue Jun 04, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Fair price to have a hitch installed (2017 Subaru Forester)
Replies: 12
Views: 973

Re: Fair price to have a hitch installed (2017 Subaru Forester)

The hardest part of installing my own hitch was figuring out the wiring. The actual install of the physical hardware took about ten minutes and use of the proper sized wrench. That will vary by the vehicle and how the specific hitch mounts. I don't know about the Forester, but it was definitely not...
by iamlucky13
Tue Jun 04, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4346

Re: Amazon free shipping, bait-and-switch?

The item currently exhibiting the problem is this one (https://www.amazon.com/Braun-Cutter-Replacement-Compatible-Waterflex/dp/B00JRV9CWK), price $27.89. It says: Price: $27.89 & FREE Shipping. Details Click the "Details" link and read what it says. Direct Link to the details I don't see anything i...
by iamlucky13
Mon Jun 03, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3725

Re: Havasupai, Have a Sticker Shock

The hike was not particularly hard. only the first/last mile from the parking area (steep switchbacks). ... But back to the original question... pay the $$$ if you want to see it. Once you see supai, you'll know that nobody is getting rich off of those fees. Hard is a relative concept. Elevation-wi...
by iamlucky13
Sat Jun 01, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1899

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

You can use impact rated bits in a regular drill. Gold drill bits are usually titanium nitride (TiN) coated for wear resistance and lower friction, so they don't get as hot drilling hard materials, cut a little cleaner, and hold their edge better. Cheap TiN coatings sometimes flake off. For homeowne...
by iamlucky13
Thu May 30, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12994

Re: 2% withdrawal rate

The biggest risk with 2% is never getting enough saved to actually retire. At a 20% gross savings rate and a 5% real return, it would take about 49 years to retire. At a 40% savings rate, it would take about 32 years (vs. the 22 years it would take to achieve 4% withdrawals). So with a high savings...
by iamlucky13
Thu May 30, 2019 4:17 am
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12994

Re: 2% withdrawal rate

That was an odd way to pose the question. Your membership date is over a year ago, so I assume you've seen enough of the forum to recognize that most withdrawal rate discussions focus on the 3-4% range. I would have thought it would be obvious that few people would agree that 2% is the "only prudent...
by iamlucky13
Thu May 30, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1899

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I am leaning towards the PS32-02 based on the larger number of reviews and higher fakespot rating of the reviews, but I'd love to know if anyone has any experience with either of these drills and, if so, their recommendations. Thank you so much! Number of reviews tells you popularity, not quality. ...