Search found 136 matches

by baconavocado
Sat Jun 23, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 25
Views: 2182

Re: Complain or Negative Review for Rip-off Plumber?

Unbelievable. I wonder how many other customers have gotten charged double for this company to fix it's own mistakes. I would guess that it's greater than the number who have found their mistakes and confronted them with the evidence the way you have done. I think you should post your negative revie...
by baconavocado
Thu Jun 14, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2569

Re: Trade-up my $89 Walmart bike

6-12 miles/day? I'd spend at least twice as much. Put your money where your energy goes. You won't regret it.
by baconavocado
Thu Jun 14, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4374

Re: Water heater installation situation

See EL, you should have just found a new water heater that was exactly the same size as your old one and installed it yourself on top of the existing wooden stand. No one would know the difference, the new heater would be FVIR-compliant, and you wouldn't have to deal with all these double-talking in...
by baconavocado
Thu Jun 14, 2018 2:02 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16137

Re: Should I take possession of a certified mail?

I would not pick up the letter. If you don't have a contract with him, you don't owe him anything, and based on his behavior you don't want to have anything to do with him. I would not have any further contact with him, by mail, phone or otherwise. There are lots of kooks and an equal number of croo...
by baconavocado
Tue Jun 12, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4374

Re: Water heater installation situation

There's no lines to "cap". Both water lines and the gas line should have valves on them, so all they have to do is turn them off. And they were going to have to remove the old tank anyway, so the $75 must be for the extra travel, which is reasonable. This reminds me of a friend who bought a new dish...
by baconavocado
Mon Jun 11, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4374

Re: Water heater installation situation

I just replaced my water heater myself and put it on a new 24x24x6" wood platform because the new tank was a little shorter than the old one and I didn't want to reconfigure the plumbing and duct work. Please don't report me to the city building department.
by baconavocado
Fri May 18, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5146

Re: New 2018 Nissan Leaf (with 150 mi range)

Wow, nice car and great deal. Thanks for posting this.
by baconavocado
Tue May 15, 2018 10:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9912

Re: Yes, I'm 89 all right! [Jack Bogle]

Best wishes, Mr. Bogle. Looking forward to that new book!
by baconavocado
Wed May 09, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2172

Re: Vehicle Tires and Dry Rot

Six years and 22K miles doesn't sound like end of life to me, but I'm no expert. Maybe you should be aware that your tires are old, don't drive through the desert in August on them at 100 mph, and make sure your spare is inflated and you're prepared to do a flat change if you go on a long trip? And ...
by baconavocado
Sat Apr 14, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4345

Re: Is it necessary to replace brake fluid on a car every 3 years?

I think that most large shops have a machine that they can connect to your brake system that sucks out the old fluid, fills with new fluid, and bleeds out the air, all automatically in a matter of minutes. Has anyone had this done recently and do you know how much it costs? I used to do it myself, m...
by baconavocado
Fri Mar 23, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: How much do people budget for annual car maintenance?
Replies: 39
Views: 2374

Re: How much do people budget for annual car maintenance?

OK, I crunched our numbers. For 20 years of data, our car maintenance costs have averaged $300/car/year. A few caveats: - We buy Japanese cars and keep them for about 10 years - we drive about 10K miles/car/year - I do almost all of the routine maintenance myself - the costs generally include oil ch...
by baconavocado
Fri Mar 23, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: How much do people budget for annual car maintenance?
Replies: 39
Views: 2374

Re: How much do people budget for annual car maintenance?

It looks like you have some good estimates here. I haven't tallied these costs in awhile but maybe I'll take a look. What occurs to me after reading the posts is just how reliable cars have become in the last 30 years or so. I guess that can be attributed to improvements in technology and engineerin...
by baconavocado
Thu Mar 22, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24178

Re: Anyone Deleting Facebook?

I never joined FB but I have Yahoo and Google accounts and, like at least 90% of the population, I depend on my electronic devices for almost everything in life. So I'm skeptical about whether deleting a FB account solves the problem of tech companies being able to know almost everything about us an...
by baconavocado
Sun Mar 11, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Server Changed TIP amount - 3rd time in a month
Replies: 50
Views: 5017

Re: Server Changed TIP amount - 3rd time in a month

This seems to be becoming very common. For takeout food, I used to simply sign the receipt - nothing on the tip line or the total line - and never had any problems until the last couple years. On one $15 order, the restaurant added a $10 tip. I happened to keep the receipt and noticed it on my onli...
by baconavocado
Sat Mar 10, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2053

Re: Chain Saw pruner or Pole Saw?

I have several Stihl gas-powered landscaping tools and I love them. They're very high quality and I never have problems with starting or maintenance like I have with my Echo chain saw. I have the "kombisystem" with hedge trimmer and chainsaw attachments. The tool is more than 6' long with either att...
by baconavocado
Sat Mar 10, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Server Changed TIP amount - 3rd time in a month
Replies: 50
Views: 5017

Re: Server Changed TIP amount - 3rd time in a month

This seems to be becoming very common. For takeout food, I used to simply sign the receipt - nothing on the tip line or the total line - and never had any problems until the last couple years. On one $15 order, the restaurant added a $10 tip. I happened to keep the receipt and noticed it on my onlin...
by baconavocado
Wed Feb 28, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: The power of bonds
Replies: 8
Views: 1247

Re: The power of bonds

My asset allocation is described in detail in this thread right at the top: https://www.bogleheads.org/forum/viewtopic.php?t=150267 OK, well it looks like you were 30% bonds back in 2007 so you must have been feeling the love today as well. However, that looks like anything other than a BH "keep it...
by baconavocado
Wed Feb 28, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: The power of bonds
Replies: 8
Views: 1247

Re: The power of bonds

livesoft wrote:
Wed Feb 28, 2018 9:43 pm
Ooops, I forget to add the Vanguard REIT index fund YTD return since it has been discussed in a few recent threads:
-11.61% VGSLX / VNQ

:)
Thanks livesoft, I always appreciate your comments.

Out of curiosity, what is your asset allocation (if you don't mind sharing)?
by baconavocado
Wed Feb 28, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: expat property-stock market dilemma
Replies: 4
Views: 430

Re: expat property-stock market dilemma

I honestly don't know how to advise you as I have no experience with the HK or UK real estate markets. However, when we were in our 30s we bought property in a very inflated RE market in the US (we ALWAYS seem to buy property at the top of the RE market). When we sold about 15 y later, our house had...
by baconavocado
Wed Feb 28, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: new employer 401k investments distribution
Replies: 2
Views: 262

Re: new employer 401k investments distribution

I think your suggestion is excellent. I might want to add international stocks to the mix at some point in the future.

I'd suggest reading the BH Wiki on asset allocation or searching it for "3-fund portfolio". Best of luck to you!
by baconavocado
Wed Feb 28, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly income stream for a senior citizen – safeguard from scammers
Replies: 12
Views: 1216

Re: Monthly income stream for a senior citizen – safeguard from scammers

Hello AverageJoseph. I think you need some legal advice here. I don't like annuities either, but have you considered sort of hedging your bets, e.g., allocating a portion of your portfolio to an annuity and keeping the rest invested in the market so it can be accessed for unexpected expenses? Of cou...
by baconavocado
Wed Feb 28, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: The power of bonds
Replies: 8
Views: 1247

The power of bonds

I'm glad I owned bonds today: VTSAX = Vanguard Total Stock Mkt Index -1.10% VTIAX = Vanguard Total Intl Stock Index -1.20% VBTLX = Vanguard Total Bond Market Index +0.10% Many years ago a friend who is a fellow investor told me, "Stocks are where you make your money and bonds are where you keep your...
by baconavocado
Sun Feb 25, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6115

Re: 3 layers of roof. Pull my offer??

Building codes in some cities only allow for 2 layers of roofing. You might check to see whether a permit is required for a re-roof and if so, whether the seller got one for the most recent roof work. If they skipped the permit for the roof, they may have also done other work w/o a permit. Also, get...
by baconavocado
Wed Feb 21, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5106

Re: Safe to file taxes now?

Unread post by baconavocado » Tue Feb 20, 2018 7:08 pm I'm waiting for a paper 1099 from Schwab for an account I closed (e.g., can't access the account electronically)? Has anyone received their tax forms from Schwab? Just received my paper version today. Seems to be consistent with the electronic...
by baconavocado
Wed Feb 21, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43196

Re: What frugal thing did you do today?

bearcub wrote:
Wed Feb 21, 2018 12:24 am
:twisted: OK I will come "clean". Joking with my posts. Just wanted to have some humor + see folks reactions. :D Life is short,have some fun.
The dryer thing was pretty funny.
by baconavocado
Tue Feb 20, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43196

Re: What frugal thing did you do today?

Hey everyone, I think @bearcub was pulling our leg with some of those posts, right?
by baconavocado
Tue Feb 20, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5106

Re: Safe to file taxes now?

I'm waiting for a paper 1099 from Schwab for an account I closed (e.g., can't access the account electronically)? Has anyone received their tax forms from Schwab?
by baconavocado
Thu Feb 15, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Present Value of an Annuity or Social Security Stream
Replies: 9
Views: 1015

Re: Present Value of an Annuity or Social Security Stream

To summarize, you want the current value in 2018 dollars of an annuity that starts in 2028 and pays $60K/year for 10 years with no annual adjustment for inflation?
by baconavocado
Thu Feb 15, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Vanguard Deposit Question
Replies: 10
Views: 746

Re: Simple Vanguard Deposit Question

Does anyone know whether Vanguard will accept a deposit submitted with a hand-written note asking for deposit to a particular account? I threw in a photocopy of a check for the account. No, I don't have any deposit slips or prepaid envelopes. Does VG even provide these any longer? By contrast, I am...
by baconavocado
Mon Feb 12, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5022

Re: Random conversations regarding money

He was probably getting ready to give you exclusive early-bird access to his new hedge fund. You played him well by walking away.
by baconavocado
Mon Feb 12, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2628

Re: Credit Card Statement & Receipt Clearing - Help!

We do it all on Quicken. Re: errors by the bank, I've found restaurants and hotels padding receipts and a fairly large number of outright fraudulent charges. The bank has replaced my own card about 3 or 4 times in the last 15 years due to fraudulent charges. I found at least three fraudulent charges...
by baconavocado
Mon Feb 12, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8088

Re: I’m not renewing my Costco membership.

I just checked and we've been spending about $1500/year at Costco for the past five years, which makes the membership fee about a 4% tax. I'd rather we weren't members but I don't think I could talk my wife into dropping it. I think warehouse stores can encourage consumption (both literally and in t...
by baconavocado
Fri Feb 09, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2168

Re: Folding bicycles

I considered buying a folding bike once for commuting to work on public transportation and test rode several of them. I found them to be very flimsy - if I pulled back on the handlebar, the whole frame would flex. Then I noticed that most of the people who are wild about folding bikes are of relativ...
by baconavocado
Tue Feb 06, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6588

Re: Washer/Dryer longevity ?

Everyone I've talked to that has bought a high efficiency washer said they would "go old school" if they had the choice again. Not me -- we have a 9 year old Bosch HE front loading washer and love it. Reliable, clothes come out clean and with very little water. I'd NEVER go back to the old low-spin...
by baconavocado
Mon Feb 05, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 3 Fund beats big endowments
Replies: 3
Views: 821

Re: Vanguard 3 Fund beats big endowments

Add pension funds to the list of investment organizations that constantly throw away money at the latest investing trends - hedge funds! all-star fund managers! leverage! real estate! commodities! cryptocurrencies! momentum trading! - only to under-perform index funds.
by baconavocado
Fri Feb 02, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8312

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

This is sort of a funny problem, but also understandable if you see it from the advisor's perspective. Part of their salary is probably based on the amount of assets in their clients' accounts. If they lose clients, their salary goes down. [...] Do you think this is true even at Vanguard? I'd be re...
by baconavocado
Fri Feb 02, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8312

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

This is sort of a funny problem, but also understandable if you see it from the advisor's perspective. Part of their salary is probably based on the amount of assets in their clients' accounts. If they lose clients, their salary goes down. It's also kind of like trying to delete your Facebook or Lin...
by baconavocado
Fri Feb 02, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-G Turbotax Question
Replies: 11
Views: 831

Re: 1099-G Turbotax Question

If you have your return open in Turbotax, click on View and select Step-by-Step, then Wages & Income. There's a heading for "1099-MISC and Other Common Income". Under this, it list all types of 1099-Gs. This is where you can enter the 1099-G you received for your tax refund. The program knew you sho...
by baconavocado
Thu Feb 01, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Tax Software - Turbotax Deluxe $39.86 Amazon
Replies: 15
Views: 1367

Re: Tax Software - Turbotax Deluxe $39.86 Amazon

I ordered the $40 fed + state Turboxtax Deluxe from Amazon, received it yesterday, and I'm starting to enter my data today. Seems that I won't get all the forms I need until the end of the month or maybe mid-March.
by baconavocado
Wed Jan 31, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: A weekend in Rome - what would you do?
Replies: 13
Views: 893

Re: A weekend in Rome - what would you do?

These are all great suggestions. I think the historic ruins were my favorite site in Rome, followed closely by St. Peter's Basilica. Be extra watchful for pickpockets in Rome, esp. at the airport and around the tourist spots. Children and women are especially adept at this and I think they are not p...
by baconavocado
Wed Jan 31, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2671

Re: looking for positive experiences transferring to Vanguard

I've transferred three retirement accounts to Vanguard in the last couple years with no problems. I would only caution that, if you have to sell assets in your old account and then buy similar assets in your new Vg account, you should try to choose a calm period in the markets if possible because yo...
by baconavocado
Mon Jan 08, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8578

Re: The reality hits - my dementia update

Hawaii sounds like a fantastic place to spend six months of the year (and Colorado is a beautiful place as well). I don't know if you're familiar with Joseph Campbell, the writer, but he used to split his time between HI and NYC during his later years. My mother has dementia and it's really strange ...
by baconavocado
Sun Jan 07, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 10884

Re: New Honda CRV - first oil change full synthetic?

The best advice is to do exactly what it says in your manual. Don't change the oil more often or less often than what it says in the manual, no matter what any dealer or oil change service tells you. Use the oil recommended in the manual. That's from someone who has been changing their own oil for t...
by baconavocado
Fri Jan 05, 2018 4:32 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 8816

Re: Misuse of adverse

I've noticed that the generation who grew up with autocorrect and typing with their thumbs has a much different attitude about grammar and spelling (and even logic) than us old folks. On the other hand, if you hit the send button more than once, everyone in your family will be notified of your unbel...
by baconavocado
Wed Jan 03, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Beginning of Year Action Items
Replies: 4
Views: 560

Re: Beginning of Year Action Items

I'm doing an account transfer and rebalancing transactions this week and next. These all seem very straightforward when I plan them out, but I find them quite nerve-wracking while I'm doing them. For one thing, you can never predict the market gyrations and funds can go up or down while the money is...
by baconavocado
Wed Dec 27, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 13146

Re: Another should i buy my dream porsche thread...

Lots of great comments & advice on this thread. I have no advice other than to say that I used to be 40 and wanted a Porsche and decided not to buy. Not sure whether it was the right decision, but I don't lose any sleep because of it. Maybe I got it out of my system by buying expensive bicycles inst...
by baconavocado
Sun Dec 24, 2017 10:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 9183

Re: My Christmas Present to You

Thank you for this, Taylor. It sounds like you've led a pretty amazing life.

Merry Christmas!
by baconavocado
Sun Dec 24, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43196

Re: What frugal thing did you do today?

Alexa9 wrote:
Sun Dec 24, 2017 7:10 pm


A pair of running shoes is all you need :beer Maybe a few dumbbells.
Depends on where you live, your lifestyle and many other factors. With 70% of adults in the US overweight or obese, I applaud anyone who exercises regularly, no matter how they manage to do it.
by baconavocado
Sun Dec 24, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43196

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D Frugal?!? You lost me at went to the gym. Actually, I would count a gym membership as an excellent investmen...