Search found 505 matches

by Turbo29
Sat Jul 20, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 4232

Re: Recycling Different Plastics

The amount of resources necessary to make something is the primary component of its price. If something is worth recycling, people do it without any government incentive. No incentives are required to recycle gold, silver, copper, or even scrap iron. Even lead is willingly recycled. But, many plast...
by Turbo29
Fri Jul 19, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 4882

Re: Safe Deposit Boxes Aren't Safe

I think I could store $10 million cash in my crawl space WITHOUT a safe and no thief would ever steal it because I am quite sure that no thief would take the time to locate the entrance of my crawl space and crawl around under the house among the mice looking for stuff. Unless of course the thief k...
by Turbo29
Fri Jul 19, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 124
Views: 8594

Re: Has anyone seen the documentary "Playing with FIRE?"

Being conservative is good to an extent. However, I feel a good number of folks here forget that life is finite. Waiting until the last decade or two of your life to enjoy the fruits of your labor carries a lot of risk as well. What is the risk of you dying prematurely? What is the risk of your hea...
by Turbo29
Wed Jul 17, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7546

Re: No A/C in Office [not a safe work environment]

I don't know. In Phoenix there are city and state workers and contractors repairing roads and building a freeway. Utility workers maintaining and repairing power lines, HVAC technicians on roofs repairing A/C equipment. All of them in the direct sun when it is 115F Saw road work at 4pm two days ago...
by Turbo29
Tue Jul 16, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2344

Re: Baking in the summertime?

Heat is energy. And when you cook the food you heat the food. if you eat it hot then it just heats your body up in your body transfers that heat to the interior of your house. If you put it in the refrigerator refrigerator takes the heat in the food and pumps it back in your house and adds a little ...
by Turbo29
Mon Jul 15, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Can the dealer be trusted?
Replies: 17
Views: 1893

Re: Can the dealer be trusted?

I generally trust the people at the dealership that fix the cars, but around here they almost always have service writers that operate as salesman, and not exactly honest ones. This. I have, on several occasions, had service writers tell me that my brakes were in dire need of replacement complete w...
by Turbo29
Mon Jul 15, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2344

Re: Baking in the summertime?

We use the oven 12 months out of the year. You can't possibly even see the difference in the electric bill. If you have a gas oven and cheap gas (like we do), it could even cost less than running a high wattage toaster oven (depending on what you are cooking for how long). What type of climate thou...
by Turbo29
Mon Jul 15, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7797

Re: Medigap vs Advantage: Which did you select?

I wonder, then, why there are so many continuing complaints about the need to get referrals when folks are in HMOs? It's called cost containment, the name of the game for most HMOs. Let me try again.. When we were enrolled in several different HMOs over the years with employer plans, neither my wif...
by Turbo29
Mon Jul 15, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2344

Re: Baking in the summertime?

Because the two appliances are fighting each other. AC's removing heat while the oven's putting heat in. Electricity is not free.

Here in AZ I use the toaster oven for all oven type used in the summer. It fights the AC less.
by Turbo29
Mon Jul 15, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 91
Views: 4308

Re: From ex-dividend to distrubution where is my money?

I don't understand what your question is. My question is where is my money from July 9th until August 1st. On July 9th my stock dropped by 1.1% because of dividedns, if I sell on that date I don't get my dividend money until August 1st. Where is my money for three weeks? I would say legally, it's n...
by Turbo29
Mon Jul 15, 2019 12:02 pm
Forum: Forum Issues and Administration
Topic: Using Site From Smartphone Question
Replies: 16
Views: 653

Re: Using Site From Smartphone Question

My Moto g7 is on Android 9 and I can see it fine using the 3 line pulldown upper left via Samsung Internet Browser. It may be the way older Android operating system sees it. That is why I spent the cash to get an unlocked updated phone. Many apps were not displaying properly on older Samsung S5. I ...
by Turbo29
Mon Jul 15, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6834

Re: Tenant turned off all utilities advice please!!

Everyone who wants to be a landlord should watch the movie Pacific Heights.

https://en.wikipedia.org/wiki/Pacific_Heights_(film)
by Turbo29
Mon Jul 15, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6297

Re: Will you buy Total Bond with a negative yield?

In 2008/2009 there were stories of some banks not accepting deposits. I can't find the stories at the moment, but i do remember reading them. Banks have to pay FDIC insurance on their deposits, so at some point if rates go low enough the cant afford interest at all, or may deny deposits alltogether...
by Turbo29
Mon Jul 15, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 91
Views: 4308

Re: From ex-dividend to distrubution where is my money?

I don't understand what your question is. My question is where is my money from July 9th until August 1st. On July 9th my stock dropped by 1.1% because of dividedns, if I sell on that date I don't get my dividend money until August 1st. Where is my money for three weeks? I would say legally, it's n...
by Turbo29
Mon Jul 15, 2019 10:51 am
Forum: Forum Issues and Administration
Topic: Using Site From Smartphone Question
Replies: 16
Views: 653

Re: Using Site From Smartphone Question

dm200 wrote:
Mon Jul 15, 2019 10:32 am

Cannot see anything like that on mine..

I am using Chrome browser as well.
Are your updates up to date?
by Turbo29
Mon Jul 15, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7546

Re: No A/C in Office [not a safe work environment]

Well this is timely: Rep. Raúl Grijalva seeks limits on heat exposure while on the job "Troubled by the 2004 heat-related death of a New Mexico farmworker, Rep. Raúl Grijalva is introducing a bill Wednesday that would require the federal government to set workplace rules on heat exposure and treatin...
by Turbo29
Mon Jul 15, 2019 10:28 am
Forum: Forum Issues and Administration
Topic: Using Site From Smartphone Question
Replies: 16
Views: 653

Re: Using Site From Smartphone Question

I occasionally access this site on my Android Smart Phone. When I do that, I do not see the place where I can see my posts menu item. Can I do this? if so, how? I frequently use my iPhone to access this site. I use the Chrome browser. For me, I can see the item “your posts” in the drop down menu in...
by Turbo29
Mon Jul 15, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6297

Re: Will you buy Total Bond with a negative yield?

columbia wrote:
Sun Jul 14, 2019 8:02 pm

Would the US government ever issue nominal treasuries with negative yields. I don’t think it would, but...
Aren't the rates set by auction? If the demand for treasuries drove the auction price above 100 there would be your negative rate.
by Turbo29
Mon Jul 15, 2019 8:26 am
Forum: Personal Investments
Topic: VOO vs bonds
Replies: 62
Views: 2981

Re: VOO vs bonds

I believe that there was a power service company in Washington State nicknamed WHOOPS that issued tax free bonds that were AAA rated before the company went into bankruptcy in the 1980s wiping out the bond holders. (Another company with a similar name took over but that did not help the bond holder...
by Turbo29
Sun Jul 14, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 16
Views: 1766

Re: Geico subrogation claim

This scenario is why those who advise not to tell your own insurance company are so misguided. I agree. My minor accident experience: Was sitting at a red light and was clipped by a car trying to get into the left lane. Filed a claim with my company (Progressive) and got the vehicle fixed, total co...
by Turbo29
Sun Jul 14, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7546

Re: No A/C in Office [not a safe work environment]

I don't know. In Phoenix there are city and state workers and contractors repairing roads and building a freeway. Utility workers maintaining and repairing power lines, HVAC technicians on roofs repairing A/C equipment. All of them in the direct sun when it is 115F. As part of my job I visit busines...
by Turbo29
Sun Jul 14, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27091

Re: Americans believe they need $1.7 million, on average, to retire

Our main reason for thinking we will need that much is we don’t want to be dependent on ss even though we paid into it, because who knows what will happen there? I see this a lot on this site. Posters saying that they don't want to depend on SS because it might not be there. True of course, it migh...
by Turbo29
Sat Jul 13, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27091

Re: Americans believe they need $1.7 million, on average, to retire

Many with whom I spend most mornings of a weekend day are retirees. I have been doing this for about 10 years. Most of them are highly educated, were quite successful in their career and are financially secure. My takeaway: I do not envy them. They have too much free time to put to meaningful use ....
by Turbo29
Tue Jul 09, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 3552

Re: How to obtain contracted rates for medical procedures?

I don't think so - if I am understanding. You need X, Y and Z medical services. You have the HDHP plan and you go to a facility and providers who are all "in network" for your insurance. You do not tell any of the providers that you have not met the deductible for the year. They submit the claims t...
by Turbo29
Mon Jul 08, 2019 9:46 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27091

Re: Americans believe they need $1.7 million, on average, to retire

[ I was just poking fun at the fact that there are people who do work they hate, just for the money. That sounds like a terrible way to pass a big part of your life. It's been an issue for a long time. This was ~2000yr ago: "You will hear many men saying: “After my fiftieth year I shall retire into...
by Turbo29
Mon Jul 08, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 4561

Re: How warm to set thermostat while away

It's actually more complicated than that. The efficiency of an AC plumets as the outdoor temperature increases. Arrive back at midnight and crank it down, you may have saved money. Come back at noon and have the AC fight 100F+ temps and you may indeed use more power than you saved. Nonsense, it is ...
by Turbo29
Mon Jul 08, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27091

Re: Americans believe they need $1.7 million, on average, to retire

I am just glad to see that there are "normal" people here. The threads with "I have $20M and I don't know if that is enough.." freak me out. I frequent some strength training sites where the average person squats 675lb, bench presses 405lb, and deadlifts 765lb. Those are called "internet lifts." I ...
by Turbo29
Mon Jul 08, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3968

Re: Is Grass-fed milk worth it?

VINNY wrote:
Mon Jul 08, 2019 7:51 am


It doesn't matter whether the food is cooked or raw. The point is still the same, milk is for babies not for adults.
Asserting it doesn't make it so.
by Turbo29
Sun Jul 07, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3968

Re: Is Grass-fed milk worth it?

Deleted -- same point made by another poster
by Turbo29
Sun Jul 07, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3968

Re: Is Grass milk worth it?

So far as "gross" goes, consider honey. it's nothing but insect secretions. Many foods are "gross" when you think about it. Oysters... eww.. I drink milk, but I would never eat a lobster... it's a giant sea cockroach. A huge insect. I'm with you on that. Chicken of the Sea is a brand of tuna; cockr...
by Turbo29
Sun Jul 07, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 4561

Re: How warm to set thermostat while away

Also depends on length of vacation, some people take just a few days, in that case the savings will be very minimal considering the amount of elec used to return the home to normal. It's actually more complicated than that. The efficiency of an AC plumets as the outdoor temperature increases. Arriv...
by Turbo29
Sun Jul 07, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes sailboat
Replies: 11
Views: 1886

Re: Lightening strikes sailboat

It's my understanding that car occupants are safe because a car is mostly metal and forms a Faraday cage.

Not sure what small boats are made of (wood, fiberglass?) but probably not metal. So in a boat the occupants would not be protected.
by Turbo29
Sun Jul 07, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3968

Re: Is Grass milk worth it?

Not sure why adults are interested in drinking milk. I have no issue with some amount of cheese, yogurt, etc products in our diet, but adults significant drinking quantities of plain milk strikes me as weird/slightly gross. The only creatures that should be drinking significant amounts of mother's ...
by Turbo29
Sun Jul 07, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 4561

Re: How warm to set thermostat while away

I have demand pricing, so I precool and dehumidify the house during the early morning when the electricity rates are cheaper/free/negative. But I think 78 degrees is a reasonable away setpoint if you have warm-blooded pets. I have peak/off peak pricing. M-F 3p-6pm in July and August it's $0.3444/kw...
by Turbo29
Sat Jul 06, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union paid out on a stopped check from 2017
Replies: 32
Views: 1935

Re: Credit Union paid out on a stopped check from 2017

Just for the heck of it, I looked up the deposit account agreement at one major bank. 4. Incomplete, future-dated, conditional or stale-dated checks You agree not to write a check that’s incomplete or tries to limit the time or method of payment with a condition, such as “Void after 180 days” or “Va...
by Turbo29
Fri Jul 05, 2019 10:41 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2517

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

I believe with Vanguard's asset under management they should be able to buy an online bank for FDIC checking service quite easily. Don't really understanding this new private equity thing, but no checking service. E*trade owns a bank and transfers from my brokerage account to the bank are instant w...
by Turbo29
Fri Jul 05, 2019 10:33 pm
Forum: Personal Investments
Topic: Vanguard Wellsley
Replies: 23
Views: 3451

Re: Vanguard Wellsley

I have Wellesley and use it as a place to put the interest that my CDs and Treasuries in my IRA put off. Each time a CD or Treasury holding pays interest tp my IRA, I invest the same amount in Wellesley that day.

Why? Why not?
by Turbo29
Thu Jun 27, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4850

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

Some cars can be converted from direct TPMS (pressure is monitored by in tire sensors) to indirect TPMS (pressure is monitored by comparing the rotations speeds of the different wheels) by reprogramming the vehicle computer. Most vehicles already monitor the wheel rotation speeds for the ABS and tra...
by Turbo29
Thu Jun 27, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 13
Views: 1344

Re: Chase "You Invest" account - Biggest complaint

teelainen wrote:
Thu Jun 27, 2019 6:04 pm


Unfortunately, the APY is only 0.03% - which is basically nothing.
it's better than their savings account, which pays 0.01%.
by Turbo29
Sun Jun 23, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1324

Re: Outdoor vs Indoor HD antenna

I live only a few miles from the transmitters (plural because almost all of them are in the same location here). I use an indoor antenna. No problems except for one. On channel 5, when an airplane lands at the airport about 4 miles from here in the other direction from the transmitters, the picture ...
by Turbo29
Sun Jun 23, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 861

Re: roofer randomly showing up to home

I have a tree trimmer that did a similar thing. Did not show up when he said he would. Finally I texted him and ask him if he wanted to do it or not. He said okay I'll come tomorrow and he did, and did a great job.

I would use him again.
by Turbo29
Sun Jun 23, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

Interesting article about how the machines are designed to addict the gambler.

https://www.theatlantic.com/magazine/ar ... ll/505814/
by Turbo29
Sun Jun 23, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

Gambling can also affect taxation of Social Security. Winnings, even if offset by deductions of losses, increase the amount of SS subject to tax and Medicare premiums. I have a friend who was blindsided by this.

https://www.thebalance.com/hidden-gambl ... rd-2388969
by Turbo29
Sat Jun 22, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6485

Re: How to avoid high vet bills?

It's amazing what vets can miss though. I posted earlier that I had a cat infected with cryptococcus several years ago and researched it before deciding whether or not to go through with treatment, this was 17 or 18 years ago. About a ago I got a text from a friend in another state with a picture of...
by Turbo29
Sat Jun 22, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

Guess I just do not "get it" - spending significant amounts on a statistically sure long term losing activity. I remember going to Las Vegas with a friend when I was 21 or so. We walked up to a craps table and watched. I turned to my friend and said, "That guy rolling the dice is obviously a busine...
by Turbo29
Sat Jun 22, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4688

Re: Do you Casino? What do you play? Have you won?

Try wagering on thoroughbred horse racing. I remember in my early to mid 20's going to Santa Anita, Hollywood Park, Del Mar, Los Alamitos, etc. I was fascinated by the whole thing and read several books about it. In a way it was like the stock market, studies have shown that the rank of the horse b...
by Turbo29
Mon Jun 17, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 3900

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

Yes, you did. For me (9.75, astigmatism), Costco was $200. Zenni was $80. Last time I got glasses (progressives) I purchased a pair from Costco. Just for fun (and to have a spare) I ordered a pair from Zenni. I can see perfectly well with either pair, the Zenni glasses were just as good as the Cost...
by Turbo29
Mon Jun 17, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6485

Re: How to avoid high vet bills?

I had a cat that at~1yr old came down with a fungal infection (cryptococcus). I read some veterinary journals and found that the cure rate with treatment was near 100%. Treatment was about $2K but the cat lived 18 more years. I tell this story about the cat to any vet I deal with the first time I se...
by Turbo29
Mon Jun 17, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6485

Re: How to avoid high vet bills?

dm200 wrote:
Mon Jun 17, 2019 9:19 am
Be willing to "replace" the dog sooner - and do not spend much at all on vet bills.

I grew up on a farm - and most folks had dogs - BUT spent very little on vet bills.

Usually cheaper to replace the dog than spend a lot on these vet bills.
Yep, on Bogleheads, it's ALL about the money.
by Turbo29
Mon Jun 17, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4198

Re: My Bad Experience With Angie's List

I realize that this may not work in every situation (e.g., for jobs that are small enough that a handyman suffices), but for larger jobs (e.g., HVAC) I've had good luck going through Costco. My assumption that the contractor must be good in order to have satisfied Costco's quality control has been ...