Search found 176 matches

by c.coyle
Thu Sep 12, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1796

Re: Bike head/rear lights

Rear: I use a Portland Design Works (PDW) Danger Zone USB. Very bright. Visible during the day too. Several blinking patterns to choose from, plus steady. Front: Serfas eLume 850. Absurdly bright. I never ride using the highest setting. (I've actually used it as a general-purpose flashlight on many...
by c.coyle
Tue Sep 03, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2760

Re: What's your "philosophy" on youth sports?

. . . He later confessed that he kids are pitching faster and he's afraid of getting hit. I told him I pitch just as fast to him and he said that he knows I'm not going to hit him though. Here's where the dilemma comes in, he already is pretty busy. He plays soccer in the fall/spring, runs cross co...
by c.coyle
Mon Sep 02, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 13490

Re: 3 fund people how are you feeling?

65 y.o. three funder here, see my sig. In my 1st year of retirement and feeling fine.

Haven't had to hit my retirement portfolio yet, because wife is working through 12/31. I'll take SS at 66.
by c.coyle
Sun Aug 25, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Car accident: advice needed
Replies: 22
Views: 2483

Re: Car accident: advice needed

Often misunderstood: In most states, "totalled" means the cost to repair is greater than or equal to the "actual cash value" a split second before the crash. If your car was worth $1,000 (open market, willing buyer, willing seller) a second before it was crunched and the cost to repair is $1,000 or ...
by c.coyle
Fri Aug 23, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 13
Views: 1485

Re: Recommendations for 2 way radio.

Actually, old fashioned Citizens' Band might work. It's on 27 mhz, a lower frequency than vhf or uhf. The signals propagate differently. Still, close in mountain valleys are a challenge to point-to-point radio communications at any frequencies above "longwave," which isn't practical in vehicles. EDI...
by c.coyle
Mon Jul 22, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Lightweight, durable, laptop bag
Replies: 29
Views: 1705

Re: Lightweight, durable, laptop bag

Check out Waterfield: https://www.sfbags.com/
by c.coyle
Mon Jul 22, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5772

Re: Whole Bean Coffee: Worth the effort?

We accidentally bought whole bean coffee at Costco. We don’t have a coffee grinder. Return the coffee or is getting a coffee grinder worth it? It's a matter of personal taste and amortizing the cost of a grinder, but I prefer fresh ground coffee in my old fashioned percolator with the glass bubble ...
by c.coyle
Sun Jul 14, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 6661

Re: Automatic Watches

I started looking into modestly priced (< $200) automatic (mechanical, self-winding) watches, just as a refuge from the digital, battery-powered world we live in. I was surprised, however, to read about their accuracy, that even a watch costing much more than I would consider spending could be off ...
by c.coyle
Sun Jul 14, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: What to do in Little Rock
Replies: 26
Views: 2314

Re: What to do in Little Rock

If you're interested in late 20th Century American history, it might be worth a swing by Central High School. An icon of the civil rights movement.
by c.coyle
Thu Jul 04, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 13236

Re: Rolex

Rolex watches are made by hand in small batches, and they are the most accurate watches on the planet.

Several Rolex owners have told me so.
by c.coyle
Tue Jul 02, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7587

Re: How to avoid high vet bills?

Woman finds her pet duck on the floor, stiff and unresponsive. She rushes it to the vet. "Doctor, you have to help my duck!" The vet takes one look and says "I'm very sorry, but your duck is dead." "Quackers can't be dead! He's probably just in a coma! You're a vet. Do some tests!" The vet shakes hi...
by c.coyle
Tue Jul 02, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Shower room with Window but no Exhaust Fan: Mildew Prevention
Replies: 34
Views: 2821

Re: Shower room with Window but no Exhaust Fan: Mildew Prevention

If you own your place, and if the ceilings are high enough, you can install a false ceiling (drywall) 6 or so inches below the original ceiling and use that to install a ceiling exhaust fan, running the tubing (duct) from the fan through the 6 inch space and through the wall to an outside vent. I ha...
by c.coyle
Mon Jun 10, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?
Replies: 24
Views: 2315

Re: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?

Sorry you are having to deal with this. In my neck of the woods (Upstate NY), our electric utility (National Grid) notified customers that they had hired a contractor to proactively send crews around to do preventive tree pruning. I gather this is something they do on a periodic ongoing basis. Acco...
by c.coyle
Thu Jun 06, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 13
Views: 1485

Re: Recommendations for 2 way radio.

I might call the Yellowstone HQ and see if they can tell you how well walkie-talkies work in the park. They may not work any better than cell phones, and you may avoid wasting your money. Range depends on two main things: Terrain and frequency. FRS, and most other license-free systems other than CB,...
by c.coyle
Sat May 04, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12839

Re: Rarely used items that are worth having?

Nutmeg grater.
by c.coyle
Thu Apr 25, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Computer shopping
Replies: 20
Views: 1357

Re: Computer shopping

Try Dell Refurbished. Different from Dell Outlet. The Refurbushed site has super good deals on Latititudes, Precison, and Optiplex (off lease business PC's). I've seen Latitiudes as low as $189, and they're very solid builds +1. Refurbs from a legitimate refurbisher are the way to go. Most of us do...
by c.coyle
Mon Apr 22, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 5002

Re: Buying a house without a realtor

Just keep in mind that when you buy a house, you are probably engaging in the biggest financial transaction of your life, and you will be signing some of the most complicated and obtuse legal documents known to man, which will commit you for the next 15 to 30 years. Unless you have your own agent o...
by c.coyle
Sun Apr 21, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 5002

Re: Buying a house without a realtor

Just keep in mind that when you buy a house, you are probably engaging in the biggest financial transaction of your life, and you will be signing some of the most complicated and obtuse legal documents known to man, which will commit you for the next 15 to 30 years. Unless you have your own agent or...
by c.coyle
Sun Apr 21, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone use Gate 1 Travel?
Replies: 17
Views: 2240

Re: Anyone use Gate 1 Travel?

We've taken five tours with Gate 1, the most recent to Morocco February, 2019. They are very, very good. Airline connections have been perfect, including transportation to and from airport and hotel. When we wanted to get to Rabat a day before the tour officially started, they were happy to adjust t...
by c.coyle
Wed Apr 10, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7298

Re: How Much Do You Pay For Haircut?

$16 plus $4 tip. I'm in a small town and could probably do better, but I like my longtime snipper. Every two weeks for me because I'm pretty thin up top and want to avoid even a hint of comb over. I could probably go to every three weeks, but that's been my habit for over twenty years.
by c.coyle
Wed Apr 03, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Homesite Insurance
Replies: 10
Views: 1329

Re: Homesite Insurance

I have Homesite H.O. bundled with Progressive Auto. It would make sense to copy Progressive directly with any complaints about Homesite. I'm sure a big auto carrier doesn't want unhappy customers and has some leverage with its H.O. partner.
by c.coyle
Thu Mar 28, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4462

Re: 2 days in New York City

Better visit Little Italy while it still exists. The neighborhood is being steadily eroded by Chinatown. Italian immigrants are not a thing any more! Pretty soon, all that will be left are overpriced lobster tails at Ferrara. The Italians have moved on just like the rest of society, most of them no...
by c.coyle
Wed Mar 27, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4462

Re: 2 days in New York City

Every American should see the Statue of Liberty and Ellis Island, The Staten Island Ferry is a great way to see the Statue and the Manhattan skyline. Walk across the Brooklyn Bridge. And stop in at Jimmy's Corner, one of the last (maybe the last) dive bars around Times Square, and very New York. 140...
by c.coyle
Tue Mar 26, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6069

Re: Help with law school decision

ohai wrote:
Tue Mar 26, 2019 10:48 am
. . . Of course, all these people are miserable as lawyers. So, maybe that's not a good end to the story.
:happy
by c.coyle
Tue Mar 26, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3891

Re: Adjustable dumbbell recommendations

I can guarantee you, anybody who goes through the hassle of preparing for the CSCS is going to be someone who takes it very seriously (a professional in the field). It's a designation that a tiny percentage of "trainers" have and even most in college and professional s&c do not have. The poster who...
by c.coyle
Tue Mar 26, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6069

Re: Help with law school decision

My daughter has a few options regarding her choice of law schools. . . . She was originally leaning towards Iowa because of her research that unless you attend a top 14 school it is not worth it to go into more debt. I guess that depends on what "worth it" means to her, and what type of practice sh...
by c.coyle
Tue Mar 26, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3891

Re: Adjustable dumbbell recommendations

Like you, I am asking this respectfully, since you have put your credentials out llthere: Does "CSCS Certification" require a practical demonstration of in-person instructing people in lifting weights, or do you just have to pass a written test? My credentials are 40 years of practical experience a...
by c.coyle
Tue Mar 26, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3891

Re: Adjustable dumbbell recommendations

The crucial feature of adjustable or non-adjustable dumbbells is being able to change weight in small increments. I would want no less than 1.25 pounds at a time. If you get strong enough to do 10 presses at 10 pounds, a 2.5 pound increase is 25%, and that means, at the best, your form will deterio...
by c.coyle
Sun Mar 24, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust/use your bank’s mobile app
Replies: 34
Views: 1919

Re: Do you trust/use your bank’s mobile app

Yes and yes. It's probably safer than a PC. Why is that? An app on iOS has to be reviewed and approved by Apple to run. On a PC you can run ANYTHING which is why there are so many security issues. Computing on iPhones and iPads IS safer. Not doing financial transactions on them comes from computing...
by c.coyle
Sun Mar 24, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust/use your bank’s mobile app
Replies: 34
Views: 1919

Re: Do you trust/use your bank’s mobile app

Cloud wrote:
Sun Mar 24, 2019 7:09 am
Yes and yes. It's probably safer than a PC.
Why is that?
by c.coyle
Sun Mar 24, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3891

Re: Adjustable dumbbell recommendations

The crucial feature of adjustable or non-adjustable dumbbells is being able to change weight in small increments. I would want no less than 1.25 pounds at a time. If you get strong enough to do 10 presses at 10 pounds, a 2.5 pound increase is 25%, and that means, at the best, your form will deterior...
by c.coyle
Sun Mar 24, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Adjustable dumbbell recommendations
Replies: 65
Views: 3891

Re: Adjustable dumbbell recommendations

I really like my Bowflex 552 selectech dumbbells. Adjustable from 5 to 52.5 lbs each, very sturdy. If you catch them on sale they can be had for around 200ish with shipping. Only place I feel limited is in chest press and shoulder press but if someone were really desperate they could get some 70’s ...
by c.coyle
Sat Mar 23, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1281

Re: What consideration do you give to product reviews?

On Amazon, I usually only pay attention to the 4 star reviews. They are usually someone who bought the product, generally likes it but points out a flaw or two. Sometimes those flaws aren't pertinent to me. Other times they sometimes point out a reliability flaw. I always ignore 5 star and 1 star r...
by c.coyle
Wed Mar 20, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance for Visiting the U.S.
Replies: 7
Views: 542

Re: Travel Insurance for Visiting the U.S.

Greetings, I have a close relative abroad who will be visiting us in the U.S. soon for some time. I would like to get them a travel insurance of sort, primarily for medical coverage, for the "just in case" there is any type of medical-related incident while they are here at the U.S. Does anyone hav...
by c.coyle
Mon Mar 18, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10357

Re: Paris - Is It Safe?

Wouldn’t recommend going there. Very overrated. The people were very unfriendly. Also, the food, air conditioning and tv were very bad. Nonsense. Parisians can be reserved, but they are not unfriendly. They love being asked for help by travelers. Just show a little respect for your hosts by learnin...
by c.coyle
Mon Mar 18, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10357

Re: Paris - Is It Safe?

One thing that helps reduce tourist hassle is to dress like a European. You can google what that means. Americans are sometimes surprised that I know they are Americans, but they are easy to spot from a distance. Lol Also your behavior can give you away. For example, Europeans tend to stand flat fo...
by c.coyle
Mon Mar 18, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10357

Re: Paris - Is It Safe?

I've been planning to go to Paris for a week in May, with my wife. Basically a museum/art trip. But, I'm uncertain whether this is prudent, given the difficulties I keep reading about. It sounds like the Champs Elysee was really trashed this weekend, and this has been going on for months. I need to...
by c.coyle
Fri Mar 15, 2019 2:08 pm
Forum: Personal Investments
Topic: Basic retirement withdrawal plan question
Replies: 20
Views: 2522

Re: Basic retirement withdrawal plan question

Sounds complicated. Why not take: $1000 from VBTLX $800 from VTSAX $200om VTIAX About rebalancing. Either: Don't bother doing it until things get noticeably out of whack, or ... Occasionally adjust the the amount you take out so things don't get noticeably out of whack. I do an approximation of 2. ...
by c.coyle
Fri Mar 15, 2019 2:03 pm
Forum: Personal Investments
Topic: Basic retirement withdrawal plan question
Replies: 20
Views: 2522

Re: Basic retirement withdrawal plan question

It's all in a traditional IRA.
by c.coyle
Fri Mar 15, 2019 12:23 pm
Forum: Personal Investments
Topic: Basic retirement withdrawal plan question
Replies: 20
Views: 2522

Basic retirement withdrawal plan question

I'm 65. My retirement is entirely in a simple 3 fund portfolio with a 50-50 allocation: 50% VBTLX, 40% VTSAX, 10% VTIAX I want to start making regular monthly $2,000 withdrawals on 1/1/2020. I haven't had to think about this until now. How should I do this? Where should it come from? - Take $2,000 s...
by c.coyle
Tue Jan 29, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147540

Re: U.S. stocks in free fall

It wasn't just the panic selling at the market bottom. It was the attempt to escape the volatility of stocks buy investing in alternatives, which any Boglehead would have facepalmed at. This was not a matter of hindsight, as hinted at in the article, but people buying things which they clearly neit...
by c.coyle
Mon Jan 28, 2019 7:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147540

Re: U.S. stocks in free fall

A big example of the dangers of panic selling at the bottom and missing a big recovery: OPS's $771 million pension shortfall a product of 'mind-boggling' mistakes https://www.omaha.com/news/education/primary-secondary/ops-s-million-pension-shortfall-a-product-of-mind-boggling/article_db5ed0cd-b43d-5...
by c.coyle
Sat Jan 26, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: light fixtures with integrated LED
Replies: 19
Views: 1141

Re: light fixtures with integrated LED

Overall, I have a strong rebuttable presumption against things that can't be fixed or replaced.
by c.coyle
Wed Dec 19, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Omega watch expenses
Replies: 38
Views: 3129

Re: Omega watch expenses

It seems that an expensive watch is a gift that keeps on taking. An expensive watch - which basically means a mechanical watch - is jewelry. I own 3 Omegas, a Doxa, a Stowa, a Nomos, and a JS from Iceland. Maybe that's why I still drive a Honda Civic. If precision timekeeping is your main requireme...
by c.coyle
Sat Dec 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21975

Re: Favorite Purchase of 2018?

A 20kg Rogue olympic weightlifting bar. My old one was bent. I'm turning 65 in February. Gotta work harder every year to keep that muscle mass. This is me on my 64th:

Image
by c.coyle
Sun Dec 09, 2018 1:47 pm
Forum: Personal Investments
Topic: Retiring. OK to transfer 100% of Simple to existing IRA?
Replies: 3
Views: 381

Re: Retiring. OK to transfer 100% of Simple to existing IRA?

As long as your first contribution to this Simple IRA was made more than two years ago you can perform a direct transfer to a Vanguard IRA. You cannot, without penalty, do so if you haven't satisfied the 2 year rule. Only do this as a direct transfer between the two entities. Cheers Right, direct t...
by c.coyle
Sun Dec 09, 2018 12:46 pm
Forum: Personal Investments
Topic: Retiring. OK to transfer 100% of Simple to existing IRA?
Replies: 3
Views: 381

Retiring. OK to transfer 100% of Simple to existing IRA?

My firm has a simple IRA plan. I am retiring on 12/31, and withdrawing from the firm. Can I do a direct transfer of 100% of the Simple IRA to my existing traditional IRA? I have the same Vanguard 3 fund portfolio in both, so this would simplify things.
by c.coyle
Fri Nov 30, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 5158

Re: How do Bogleheads justify taking vacation?

I'm a lot like you. I've been on a few vacations and traveled outside the continent several times. Now that I'm older the things I like don't include the hassles and expense of traveling. Once you've done it you realize most people brag and overrate their travel experiences. With the internet you c...