Search found 962 matches

by iamlucky13
Fri Sep 21, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 27
Views: 1305

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

The only thing I"ll be buying on black friday is takeout so I can stay home. No leftovers to eat? Some years I look at a few of the ads. Some years I don't. The trend in recent years seems to be a 50/50 chance of good deal on product I am actually intending to buy. Usually, there are really good de...
by iamlucky13
Thu Sep 20, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 31
Views: 5037

Re: Are We Headed For A Passive Index Meltdown?

I expect this will be a perennial topic. It's arguably a worthwhile discussion, at least academically. But I'm not really seeing much of value to discuss in this particular article. - Active investors play an important role in valuing the market. - Indexing approaches don't necessarily capture the l...
by iamlucky13
Thu Sep 20, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2647

Re: Why are there so few long-term investors?

Why are there so few long-term investors? Most funds and ETFs have such great turnover. After Warren Buffett you would be hard pressed to think of the next big long term investor. Jack Bogle? Who are the big short term investors on your mind? I guess Carl Icahn fits. I don't personally know of othe...
by iamlucky13
Wed Sep 19, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 721

Re: New microwave or seek service options?

Good job! My last microwave issue didn't turn out as well - I originally thought I had traced it to a bad relay, and ordered the part for ~$5, planning to solder it in. Then I did some more troubleshooting and realized it was the control board itself that was bad. I couldn't find that part for less ...
by iamlucky13
Wed Sep 19, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 48
Views: 4006

Re: State Farm nickel-and-diming me

If you want perfection then pay $135. I dont think the insurance company should pay for prior wear and tear and everyday use. By the way, why are you convinced that whatever bodyshop says is right? They will try to upsell. It doesn't sound like the OP expects them to pay for wear and tear either. B...
by iamlucky13
Tue Sep 18, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How to tell if computer update notice is legit
Replies: 8
Views: 1100

Re: How to tell if computer update notice is legit

Perhaps it's Dell SupportAssist asking to update itself? One might go into "Add Remove Programs" on your computer and look for Dell Branded software. One might also choose to uninstall it to avoid the update notices. I concur with both this suggestion, and running a virus and malware scan. There is...
by iamlucky13
Tue Sep 18, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 774

Re: Honda Lawnmower Warranty Issue

It should not be leaking except in really extreme cases, unless it were an old carburetor with gaskets that are not compatible with 10% ethanol. Do you know that the old Honda engine carb gaskets were incompatible with ethanol, or are you speculating? I ask because I bought my current Honda mower i...
by iamlucky13
Tue Sep 18, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 774

Re: Honda Lawnmower Warranty Issue

the employees stated the repairs were covered under warranty and nothing was owed. The dealer replaced the carburetor and all was well. When I review the warranty, it mentions that carb cleaning is not a covered service, but I don't see any other applicable exclusions. This is an issue between the ...
by iamlucky13
Tue Sep 18, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2016

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

What are you suggesting the electrical tape for? The outlet should be wired directly or pigtails connected with wire nuts. Side-wire terminals are screws, that are exposed and hot. As an extra layer of insurance, I always wrap the recessed portion of the outlet with electrical tape to cover these t...
by iamlucky13
Tue Sep 18, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2016

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

Agree that this is an easy and cheap fix. 15-amp duplex outlets cost 48 cents at my local hardware store, and the circuit tester that gd recommended is another $3.49 cents. Add in a roll of electrical tape if you don't have one already and you're at right around $6. What are you suggesting the elec...
by iamlucky13
Tue Sep 18, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1095

Re: Consumer Issue - Storage Unit Rental

Do keep in mind that not a legal requirement might not pre-empt it from being a storage company requirement to protect them and their own insurer (at your expense) from liability claims for lost property if something happens. I don't know a direct answer to your question. The lease and the insurance...
by iamlucky13
Tue Sep 18, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: transferring in-kind VPMAX to Fidelity Roth IRA?
Replies: 5
Views: 406

Re: transferring in-kind VPMAX to Fidelity Roth IRA?

When I asked about an in-kind rollover from a Vanguard 401k to a Vanguard IRA, I was told this was not possible. I expect it won't be possible with Fidelity, also. However, my understanding it is the institution (not sure if it's the distributing or the receiving institution) that sets the rollover ...
by iamlucky13
Mon Sep 17, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2100

Re: Can I have an oversized emergency savings account?

I think you should keep in mind you have multiple investment options in between risk-free savings and risky stocks. I found it helpful to consider how soon I may need any given portion of my savings, and whether I'm willing to risk losses over each time frame, based on my expectation of how likely i...
by iamlucky13
Sat Sep 15, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

I think that's a pretty good rule. Each family might have a different limit, but some value. My wife and I never had a set limit, but have always had a habit of discussing discretionary purposes. The habit has gotten a little looser as we've gotten more financially secure and developed a good saving...
by iamlucky13
Fri Sep 14, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2632

Re: Received inquiry about purchasing domain name based on my own last name. How to respond?

For a domain name not registered until 2012, $3000 sounds like a pretty good offer to me. Keep in mind also that if you hold on to the name and at some point in the future let your registration lapse, it will likely get snapped up by someone else, and you will have lost the opportunity to sell it, a...
by iamlucky13
Fri Sep 14, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1734

Re: New Light bulbs

Currently my preference is to stick with the traditional warmed toned 2700K for relaxing areas (bedrooms, living rooms), and use the slightly more neutral toned 3000K color temperature like halogen lights for task areas (kitchen, bathroom). 3000K tend to be a little harder to find. I strongly dislik...
by iamlucky13
Thu Sep 13, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle: Investors should 'always be in' the stock market"
Replies: 8
Views: 2660

Re: "Jack Bogle: Investors should 'always be in' the stock market"

The title could be a little more clear. I clicked on the thread thinking it would detail an argument against strategies like extremely cautious investors following a glide slope down to 0% equities. The linked article really is just a reiteration of what Mr. Bogle always says - "don't move in and ou...
by iamlucky13
Thu Sep 13, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4098

Re: I need a chainsaw to trim branches and limbs!!

I'd probably go with a reciprocating saw and a dedicated pruning blade. They're less expensive, especially compared to cordless chainsaws, and have other uses besides pruning. Even though I have a chainsaw, I'm also thinking of getting a reciprocating saw mainly for trimming branches, because it's l...
by iamlucky13
Thu Sep 13, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3342

Re: Buying a house 1 mile away from a municipal landfill

I'm living in the real world. The point of a lawsuit threat is not to win, but to get real estate agent to reduce their fee in order to have the deal go through if one is stuck in the deal or if one wants to back out and not lose their entire deposit. Or.......you just back out under your inspectio...
by iamlucky13
Wed Sep 12, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3342

Re: Buying a house 1 mile away from a municipal landfill

With that much space, I assume it is fairly modern, and unlikely to have odor issues. Do you have specific concerns about the landfill? My wife used to live a little under 2 miles from a landfill (just checked the map). I don't think she even knew it was there, and I only knew because one time when ...
by iamlucky13
Wed Sep 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5054

Re: Advice on how to deal with barking dogs

It sounds like it has been a while since you last talked to him. I'd recommend talking to him again, unless you have specific reasons to believe the neighbor will act-out in response. I would not view this as a confrontation to hold with him, but a request, possibly incorporating a couple suggestion...
by iamlucky13
Tue Sep 11, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4546

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Both an honest and a rhetorical question: What does it mean for Vanguard to "lose" a war on fees? Could this cause a share price collapse of Vanguard's stock (obviously, this part is strictly rhetorical)? Can losing this "war" cause a decrease in profits to Vanguard's owners through any means other ...
by iamlucky13
Tue Sep 11, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3497

Re: How often do you guys get alignment done on your cars?

I had mine done after I replaced the front struts. I did a basic rollout test and adjustment on my own, then had a shop do a proper alignment. I didn't notice any pull while driving to the shop, although that's only a partial indicator. Other than that, I habitually pay attention to how my car is tr...
by iamlucky13
Mon Sep 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: $25K car
Replies: 39
Views: 3550

Re: $25K car

Hmm, one biggie. The GS does have 300+ HP And I'm sure the rated fuel mileage is lower, which, like the potentially more expensive repairs, increases your total cost of ownership. And for similar initial purchase price, the remaining useful life should be lower on the used vehicle, so the cost per ...
by iamlucky13
Mon Sep 10, 2018 1:32 am
Forum: Investing - Theory, News & General
Topic: Just invested 10k into Space X (Well sorta..)
Replies: 22
Views: 2733

Re: Just invested 10k into Space X (Well sorta..)

I've been following SpaceX since they were prototyping the first, ablatively cooled version of Merlin. Musk's attitude the entire time has been that he is not running SpaceX to make money. He is doing it to make humanity a multi-planet species, and money he makes along the way is for the sake of fur...
by iamlucky13
Thu Sep 06, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6861

Re: Daily Driver (Car) Over 100K Miles?

My bad, I obviously meant timing chain. 2006 Honda Civic has a chain. Previous models had a transmission belt. It is a major potential point of failure, but if changed on schedule, should not be an issue. A $500 maintenance item every 100,000 miles or so is a relatively minor concern in my book. Th...
by iamlucky13
Wed Sep 05, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6861

Re: Daily Driver (Car) Over 100K Miles?

2002 Civic, currently at 218,000 miles. I do not intend to keep it until it dies, because reliability is important to me. So far, it has had no reliability problems. There's a couple minor issues I will keep an eye on as I contemplate when it will be time to replace it, but I don't have current plan...
by iamlucky13
Wed Sep 05, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4136

Re: The future of my journals and logs

I recommend keeping it, as long as it isn't onerous to do so, and you have removed or created a disposal instructions anything you may consider to personal to pass along. Your family may simply toss it all, or they may treasure it. As my grandparents have pass away, it has been wonderful to have som...
by iamlucky13
Wed Sep 05, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Short Sale Purchasing [property]
Replies: 17
Views: 1342

Re: Short Sale Purchasing

Make absolutely sure there is not a second (or third) mortgage against the house you're purchasing. We bought a "short sale", but didn't know about the second mortgage until our offer was accepted. It was a nightmare that lasted 2 and half years...(another story for another day). It sounds from you...
by iamlucky13
Fri Aug 31, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Health Insurance Terminated, Can't Reinstate
Replies: 11
Views: 1922

Re: Health Insurance Terminated, Can't Reinstate

I have a question for the OP that I'm curious about. Since the first of the year, did you receive any notification in the mail that your insurance was going to be cancelled? Not the OP, but I have my own answer to that question. I recently started a new job with health insurance coverage and just l...
by iamlucky13
Thu Aug 30, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5316

Re: How to repel wild dogs?

Only one experience but, ammonia in a spray bottle flattened a very aggressive German shepherd chasing me while on a bike. More than one experience here. I had great success using household ammonia in water pistols when I was a teenager delivering newspapers decades ago. I don't think ammonia is a ...
by iamlucky13
Wed Aug 29, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 733
Views: 330935

Re: Ultimate Buy and Hold - 8 slices vs 4

Here is year by year performance with various bond holdings of Merriman’s 50/50 US/Int’l UB&H https://paulmerriman.com/wp-content/uploads/2018/02/2018-Fine-Tuning-Table-50-50-worldwide.pdf I'm glad he's still updating this. Do note that while the long term trend looks quite good for the ultimate bu...
by iamlucky13
Mon Aug 27, 2018 6:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 273
Views: 25436

Re: U.S. stocks continue to soar!

Can't we just close both threads and start a "nedsaid effect" thread, where he posts a running log of his upcoming investing activities so the rest of us can do the opposite? It would be a lot more actionable.
by iamlucky13
Fri Aug 24, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Tesla Insurance Question and how to get out of the deposit
Replies: 25
Views: 3354

Re: Tesla Insurance Question and how to get out of the deposit

Followups about how internet questions were ultimately resolved is an uncommon, but very helpful thing.

I'm not even considering a Tesla, but just killing time reading the thread, and wanted to thank you for potentially helping others resolve the same question.

Enjoy the new car!
by iamlucky13
Fri Aug 24, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Mileage efficiency dropping after new tires- Subi
Replies: 7
Views: 521

Re: Mileage efficiency dropping after new tires- Subi

Not 100% sure, but I think there is commonly a very small change with new tires due to the increased tread to affect the rolling and added rubber to flex, and perhaps hardening of the rubber on the old tires due to age. But really, a couple days of just watching the display is generally not enough t...
by iamlucky13
Fri Aug 24, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Utility pole replacement by Duke Energy
Replies: 5
Views: 594

Re: Utility pole replacement by Duke Energy

If you're concerned, I think you should tell them to send you a request in writing, with the promise to repair damage and remove any waste they generate listed on the request. I'd guess a big company like Duke has a standard agreement for temporary access requests like this. Whatever they send you, ...
by iamlucky13
Mon Aug 20, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Repairs, and the economic joys of homeownership
Replies: 17
Views: 2116

Re: Repairs, and the economic joys of homeownership

The first incentive I see in this is not the economic savings of doing something yourself, which may or may not be cheaper if you factor a value in for your time. It's the fact that you get to decide what gets done to your home to fit your wants, and when, not your landlord. All the same, good job g...
by iamlucky13
Mon Aug 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3825

Re: Sheraton Kauai timeshare

You are missing the point--false pretenses -! You are not living with honest intention if you pretend interest when there is none. For ANYTHING ! YOU have to look at yourself in the mirror each day-! What do you want to see there? I agree that to go under a false pretense is wrong, regardless of wh...
by iamlucky13
Mon Aug 20, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 31
Views: 1973

Re: ICE or a hybrid car

My guess is they will still be close that I might go with the manual transmission just because I really want one again (test drove a manual Mazda and loved it). Excellent. Test drive really is the final word on the driving experience portion of your buying decision. Might as well test drive a hybri...
by iamlucky13
Mon Aug 20, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: ICE or a hybrid car
Replies: 31
Views: 1973

Re: ICE or a hybrid car

You did not mention fuel economy being a high priority to you. It does sound like cost is important to you, so you should compare the price of similar vehicles and expected fuel savings over a reasonable anticipated life. Actually, since I will be considering a similar question in the not too distan...
by iamlucky13
Thu Aug 16, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25073

Re: Invest in Tesla?

For those who don't get his newsletter, Matt Levine's special edition of Money Stuff on this nonsense is incredible : But Musk’s second reason – “the quarterly earnings cycle that puts enormous pressure on Tesla to make decisions that may be right for a given quarter, but not necessarily right for ...
by iamlucky13
Thu Aug 16, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3007

Re: Where to buy white, athletic fit dress shirt?

I feel your pain, the white shirts I have purchased lately have all been boxy, made for the "average american" rather than someone who gets some exercise and eats decent food. Look for the label "fitted" or "tailored". Maybe it's just because I'm completely clueless and take no interest in anything...
by iamlucky13
Thu Aug 16, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3462

Re: Quote from Electrician

I just looked up a couple past quotes from a fixer upper that was a mix of lender-mandated repairs and a few upgrades - moderately high cost of living area, economic conditions more favorable to the homeowner at the time. It included interconnected smoke detectors as required per current code. Cost ...
by iamlucky13
Wed Aug 15, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 5075

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . In 2008, their low was ~$8.50. Today they're trading $12.xx. I can see it doing 8 unless it goes to zero which means I'll take heat for about 1/3 of my position size. If their old low marks the ultimate bottom. I don't really know...
by iamlucky13
Tue Aug 14, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25073

Re: Invest in Tesla?

From yesterday's post on the Tesla Blog: https://www.tesla.com/blog/update-taking-tesla-private Why did I make a public announcement? The only way I could have meaningful discussions with our largest shareholders was to be completely forthcoming with them about my desire to take the company private....
by iamlucky13
Sun Aug 12, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2167

Re: reliable online public forum

Reddit.com and it’s variety of subReddits will cover all of those topics. Whoosh Don't you find the crazies there? I have dabbled a little and found the viewpoints to be ... Extreme? In general, I find the advice about seeking out targeted forums for specific topics more helpful than trying to find...
by iamlucky13
Fri Aug 10, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2373

Re: First time taking kids to airport..

I have been told some ticket agents may request a copy of a birth certificate or other identification, so I have always kept one in my carry on for our children, but never been asked for one. Note that although TSA does not require ID from minors - just a boarding pass - some of their officers are t...
by iamlucky13
Fri Aug 10, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4858

Re: Should I pay 6000.00 to repair wife's car....

I have heard of manufacturers reimbursing the dealers to to make the repairs in cases like yours that are technically out of warranty, but which still clearly should not be occurring. 14,000 miles but out of warranty due to years elapsed seems like one of those cases. I don't know how those who succ...
by iamlucky13
Fri Aug 10, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1632

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

Is the Amazon Fire 8 a notable upgrade speed-wise compared to the iPad 2? Of course not, it is only $50. I see people are expecting a $50 device to work as well as a $250-$500 Ipad. It does a great job with Kindle and acceptable with Youtube and surfing. Note that the question was about the iPad 2,...
by iamlucky13
Thu Aug 09, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4106

Re: radon mitigation exposure concern, are we at risk?

BHsince87, it looks like your values are likely in pCi/L, while the inspectors values look like counts per second like a Geiger counter would report, or perhaps Becquerel per cubic meter. 100, 1500, and 2000 Bq/m^3 would correspond to 2.7, 41, and 54 pCi/L respectively. The latter are extremely high...