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by Triple digit golfer
Sat Jun 15, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 25
Views: 2347

Radon levels in home

When we bought our house three years ago, we had the realtor arrange for a radon test. The two lowest rooms were tested. The basement was 7.7 and the family room on a slab was 2.2. The EPA says 4.0 is the level at which they recommend remediation. We only use our basement (unfinished) for storage, s...
by Triple digit golfer
Sun Jun 09, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 101
Views: 53897

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Reviving an old thread. Have any Bogleheads recently purchased an HRR216? If so, please share your experience, good or bad. I bought one at the start of last year to replace an ancient Lawnboy. The HRR216 is the first bagging mower I've owned. I've been very satisfied with the Honda and would purch...
by Triple digit golfer
Sun Jun 09, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 101
Views: 53897

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Quite fortuitous that this thread re-surfaced this week :D I'm a devotee to Allyn Hane (The Lawn Care Nut on YouTube) and am rather obsessed with my lawn. After mowing the yard yesterday (complete with lawn stripes :mrgreen:) I casually mentioned to my wife that my mower is abnormally hard to push,...
by Triple digit golfer
Sun Jun 09, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 101
Views: 53897

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

Reviving an old thread.

Have any Bogleheads recently purchased an HRR216? If so, please share your experience, good or bad.
by Triple digit golfer
Sun May 26, 2019 2:27 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2352

Re: Retiredjg at 36,000 posts!

Retiredjg has helped me as much or more than anybody else on this forum over the last ten years. From my own personal questions that she has answered so succinctly with great, actionable suggestions to the hundreds of other posts that I have read, retiredjg has been an enormous help for my family an...
by Triple digit golfer
Sat May 25, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3706

Re: How much to tip food delivery driver

I delivered for a restaurant in college 12-16 years ago. At that time anything less than $3 was disappointing. $3 and change was average. Anything greater than $5 was great. At this point I would say 10-15% with a $5 minimum would make most drivers happy. We did catering too and delivery charges wer...
by Triple digit golfer
Sat May 25, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2262

Re: Should I replace my AC?

I am in basically the same situation. 20+ year old unit losing freon. I am replacing.
by Triple digit golfer
Fri May 24, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

Second company came in higher at $8k for American Standard 80% variable speed furnace and Seer 16 AC unit. Would also fix some bad sheet metal work, water heater piping, remount the AC unit outside with nice brackets, new humidifier, ait filter media, and smart thermostat. $6,800 ($1,200 less) for t...
by Triple digit golfer
Fri May 24, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

I had another company come out today. Very thorough and seemed good. Recommended seer 16 instead of seer 13 AC unit. One thing he recommended was a media filter, not the cheapo 94 cent blue thin ones that a couple other guys recommended. Said American Standard uses the thicker ones on these furnaces...
by Triple digit golfer
Thu May 23, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

It's natural gas. American Standard. We have 80% now already so we can use the existing flue through the roof instead of out the side of the house. No annual visits are required to keep the 10 year parts and labor warranty. I could do a high efficiency 96% but it is $1k more and he said likely not ...
by Triple digit golfer
Thu May 23, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

It's natural gas. American Standard. We have 80% now already so we can use the existing flue through the roof instead of out the side of the house. No annual visits are required to keep the 10 year parts and labor warranty. I could do a high efficiency 96% but it is $1k more and he said likely not ...
by Triple digit golfer
Thu May 23, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

What type of furnace? 80% efficient seems very low. Must not be natural gas? Our Lennox is 98% efficient. Variable speed fan is great. Longer runs at lower speed keep the house comfortable. Avoid hot/cool spots. We went with 16 SEER AC. If the AC is in a spot where you gather, like by a patio/deck,...
by Triple digit golfer
Thu May 23, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

I got my first formal quote from the original company. $6,400 for both. 13 SEER AC and 80% efficiency variable speed furnace. Seems reasonable. Another company over the phone said informally, probably $6,500-7,000. The one thing the owner of the company told me that surprised me is that annual "clea...
by Triple digit golfer
Wed May 22, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Re: Another Honda maintenance thread

I am not a mechanic by any means, but any "lifetime" fluids such as transmission fluid sounds like B.S. to me. If you want a short lifetime, sure. But no original fluid is going to be good 15 years in.
by Triple digit golfer
Wed May 22, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2322

Re: Inexpensive way to gain weight

Eat high calorie foods that are not filling. Peanut butter, butter, sour cream, etc. are easy to add to foods that you probably already eat. For me, it's a piece of cake (pun intended). Eat pizza and ice cream. Full fat ground beef. Drink whole milk. In fact, if you change nothing else except adding...
by Triple digit golfer
Tue May 21, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Re: Another Honda maintenance thread

Thanks for the posts. Another question. Do you all use only OEM parts? I can get STP brand air and cabin filters at Auto Zone for less than half the OEM cost.
by Triple digit golfer
Tue May 21, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Re: Another Honda maintenance thread

The problem is that the manufacturer's recommendations don't account for time, at least with oil changes, and the manufacturer themselves gave me conflicting information. Another problem is that I changed the transmission fluid "too early" and now the MM may not function properly for that service, ...
by Triple digit golfer
Tue May 21, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Re: Another Honda maintenance thread

The problem is that the manufacturer's recommendations don't account for time, at least with oil changes, and the manufacturer themselves gave me conflicting information. Another problem is that I changed the transmission fluid "too early" and now the MM may not function properly for that service, ...
by Triple digit golfer
Tue May 21, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Re: Another Honda maintenance thread

The problem is that the manufacturer's recommendations don't account for time, at least with oil changes, and the manufacturer themselves gave me conflicting information. Another problem is that I changed the transmission fluid "too early" and now the MM may not function properly for that service, a...
by Triple digit golfer
Tue May 21, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3429

Another Honda maintenance thread

I have a 2013 Accord and my wife has a 2016 Civic. I've all but given up on the maintenance minder system because: 1. My wife's car only gets driven about 6,000 miles a year and I inquired whether we should change the oil more often than the maintenance minder says. Honda gave us the canned answer o...
by Triple digit golfer
Sun May 19, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Lawncare tips
Replies: 16
Views: 3037

Re: Lawncare tips

Wow, almost three years later!

I have one of the best lawns in the neighborhood now. I've aerated and overseeded each of the last couple falls. I've fertilized with organic fertilizer and mowed high and regularly. The lawn is green and thick and has gotten better each of the last few years.
by Triple digit golfer
Thu May 16, 2019 8:21 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17640

Re: VTSAX or VTWAX over the next 35 years?

VTWAX. It has 8032 stocks vs 3500 (VTSAX). Don't be swayed by american exceptionalism, politics, past performance, ideologies, american nationalism, make believe crystal balls that can see into the future and many more weak arguments... Don't fall into this trap touted by some on this forum. Good l...
by Triple digit golfer
Thu May 16, 2019 8:17 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17640

Re: VTSAX or VTWAX over the next 35 years?

Split the difference and do 50/50. :D
by Triple digit golfer
Thu May 16, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

Re: New furnace and air conditioner

Thanks all, for your responses. I appreciate hearing about your experiences. I am inclined toward just replacing both and having peace of mind. I pay $79 twice a year to have them cleaned and checked by the company who will be installing them. They're good guys and have a good reputation around here...
by Triple digit golfer
Wed May 15, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: New furnace and air conditioner
Replies: 22
Views: 2302

New furnace and air conditioner

Our gas furnace is 13 years old and central AC unit is 28 years old. Our HVAC guy (from a very popular, highly rated independent company with a great reputation in the area) said the AC has a freon leak and recommended replacement. The furnace is squealing and needs a $500 part (it's squealed for 3 ...
by Triple digit golfer
Tue May 14, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4825

Re: Move out or stay at my parents?

You bought a house, but you're still living at your parents' house?

Maybe I am missing something here. You are 28, have a house and are collecting rent, yet not paying any rent to live where you currently live?

Time to move out.
by Triple digit golfer
Sun May 12, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2081

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

Your plan sounds terrible. Call a professional to get whatever it is out of there and ensure your chimney is clear.
by Triple digit golfer
Tue May 07, 2019 1:27 pm
Forum: Personal Investments
Topic: Please Help me Create a 3-Fund Portfolio with these Index Funds
Replies: 35
Views: 2590

Re: Please Help me Create a 3-Fund Portfolio with these Index Funds

Using rough numbers here: 80% 500 index and 20% small cap index for U.S. equities. 80% developed markets and 20% emerging markets index for international equities. 100% intermediate term bond index for bonds. Thanks. So, assuming a preferred 75% stock / 25% bond AA... does this look about right? US...
by Triple digit golfer
Tue May 07, 2019 8:51 am
Forum: Personal Investments
Topic: Please Help me Create a 3-Fund Portfolio with these Index Funds
Replies: 35
Views: 2590

Re: Please Help me Create a 3-Fund Portfolio with these Index Funds

Using rough numbers here:

80% 500 index and 20% small cap index for U.S. equities.
80% developed markets and 20% emerging markets index for international equities.
100% intermediate term bond index for bonds.
by Triple digit golfer
Mon May 06, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4107

Re: ants - aargh

We had a mild infestation about a month ago. I used one liquid Terro bait and 24 hours later did not see another ant, dead or alive. A month later and still not a single ant.
by Triple digit golfer
Sat May 04, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Perspective [How much is left for spending in retirement?]
Replies: 47
Views: 4166

Re: Perspective

It's all mine. Taxes are not a liability. They are an expense when incurred that may never be incurred. Taxes can be 100% avoided in many cases. I have never come close to paying a 21% effective rate despite a six figure income. In fact, my federal effective rate now is less than 8%.
by Triple digit golfer
Wed May 01, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 5899

Re: Is factor-based small-value/Fama-French tilting worth it?

Taylor Larimore wrote:
Wed May 01, 2019 7:04 pm
Triple digit golfer:

Thank you. Your post is clearer than mine.

Best wishes.
Taylor
:sharebeer
by Triple digit golfer
Wed May 01, 2019 6:58 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 5899

Re: Large Caps or Small Caps?

Bogleheads: I have difficulty being convinced (by the financial industry) to minimize the largest and most successful companies in the world. Best wishes. Taylor Taylor, You make this argument all too often. The statement is not consistent with your advocacy of owning the total stock market index. ...
by Triple digit golfer
Tue Apr 30, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

Yes, I know. My point is that people reference a run up and assume we're overvalued, but if you change your start time, you can convince yourself of the opposite. My opinion is that the market is always fairly valued because by definition anything is worth what people are willing to pay for it. Peo...
by Triple digit golfer
Tue Apr 30, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

I hear a lot lately that the market is overvalued, but in the last 23 years, back of the envelope calculation, the S&P 500 CAGR is about 6%. In the last 19 years, since the peak in 2000, it's up about 3.5% annually. Add in the dividend yield of about 2% and it's an annual return of 8% and 5.5% resp...
by Triple digit golfer
Tue Apr 30, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

mptfan wrote:
Tue Apr 30, 2019 5:29 pm
Triple digit golfer wrote:
Tue Apr 30, 2019 4:25 pm
I hear a lot lately that the market is overvalued,
Where have you heard that?
Mostly my internet home page which consists of CNBC sensationalist headlines.
by Triple digit golfer
Tue Apr 30, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

I am investing steadily and have been since I am 23, with no major adjustments and no attempts to time the market. Triple digit golfer: Assuming you have a proper stock/bond allocation, stay the course. Best wishes. Taylor I've been doing that for 11 years with no regrets and I plan on doing it for...
by Triple digit golfer
Tue Apr 30, 2019 5:26 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

It's a bubble, but since it will certainly go on for longer than it should, I'm still holding about 30% equities, and periodically rebalancing. You can't fight the Fed. Honest questions: Why 30%? At what point would you add stocks, a 20% drop? A 40% drop? Never again? I assume from his post that he...
by Triple digit golfer
Tue Apr 30, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

Re: "The market is overvalued"

UpperNwGuy wrote:
Tue Apr 30, 2019 4:41 pm
People on this forum spend far too much time thinking about market value. Who cares? Either buy your stocks, or sit on the sidelines and weep.
That's the idea of this forum, is it not? Investing Theory. I'm not considering doing anything differently.
by Triple digit golfer
Tue Apr 30, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7597

"The market is overvalued"

I hear a lot lately that the market is overvalued, but in the last 23 years, back of the envelope calculation, the S&P 500 CAGR is about 6%. In the last 19 years, since the peak in 2000, it's up about 3.5% annually. Add in the dividend yield of about 2% and it's an annual return of 8% and 5.5% respe...
by Triple digit golfer
Sun Apr 28, 2019 8:21 pm
Forum: Personal Investments
Topic: Opening an Account: Vanguard vs. Fidelity
Replies: 41
Views: 2895

Re: Opening an Account: Vanguard vs. Fidelity

UpperNwGuy wrote:
Sun Apr 28, 2019 7:42 pm
Both Vanguard and Fidelity have excellent low-cost total-market index mutual funds. No need to endure the hassles of ETFs.
Agreed! We use Vanguard. Mutual funds only, no ETFs. I couldn't be bothered with them to save 1 or 2 basis points. Mutual funds are so much simpler and less stressful.
by Triple digit golfer
Sun Apr 28, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: The wisdom of prepaying notes (car, home, etc.)
Replies: 38
Views: 2734

Re: The wisdom of prepaying notes (car, home, etc.)

5.5% annually for seven years is far from a guarantee in the market. Pay off the car loan and take the guaranteed 5.5% interest income.

If you do just one thing, at least take the $250 per month extra you're putting toward the mortgage and redirect it to the car loan.
by Triple digit golfer
Sun Apr 28, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 6466

Re: save on interest by paying down mortgage principal

And yes, you avoided $8,000 in interest. However, there is an opportunity cost because you could have invested that money and presumably made some earnings on it.
by Triple digit golfer
Sun Apr 28, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 6466

Re: save on interest by paying down mortgage principal

It is $8,000 over however many years you had left on your mortgage. The rate earned per year is simply your interest rate.

If you invest $10,000 and it becomes $18,000 in 15 years, sure, you made an 80% return over 15 years, which is 4% annually.
by Triple digit golfer
Sun Apr 28, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

People keep mentioning Google Voice. What is this exactly? A real phone number hosted by Google. It can receive text messages just like any cell phone. Unlike traditional mobile phones, which are subject to a variety of attacks that allow someone to take over your number, a Google Voice number is s...
by Triple digit golfer
Sun Apr 28, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

People keep mentioning Google Voice. What is this exactly?
by Triple digit golfer
Sun Apr 28, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

To those with Vanguard accounts, what security measures do you take? 2FA to a GV phone number Same for all other accounts that offer 2FA That's what I use, I get a text with a code and I enter it for any devices that Vanguard does not recognize. But wouldn't that fail in the case of what happened i...
by Triple digit golfer
Sun Apr 28, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

drk wrote:
Sun Apr 28, 2019 12:46 pm
Triple digit golfer wrote:
Sun Apr 28, 2019 12:18 pm
To those with Vanguard accounts, what security measures do you take?
Use a Yubikey. And let CSRs know regularly that Vanguard should stop automatically using SMS-based TOTPs as a fallback.
Can you log in via mobile phone with a Yubikey?
by Triple digit golfer
Sun Apr 28, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

To those with Vanguard accounts, what security measures do you take? 2FA to a GV phone number Same for all other accounts that offer 2FA That's what I use, I get a text with a code and I enter it for any devices that Vanguard does not recognize. But wouldn't that fail in the case of what happened i...
by Triple digit golfer
Sun Apr 28, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16489

Re: Man’s life savings stolen from hijacked cellphone number

To those with Vanguard accounts, what security measures do you take?