Search found 585 matches

by Fbone
Sun Jan 24, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2749
Views: 878525

Re: What Book Are You Currently Reading? Part VI

The Leavenworth Case by Anna Katharine Green. I wanted to read an early detective story and chose this one. It was ok although I felt the ending was a bit "out there." The author used a reveal method that isn't my favorite type. It's a common one used in early mysteries so I was expecting it. I did...
by Fbone
Fri Aug 05, 2011 1:27 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

I was back in my hometown last week (Philadelphia), as my 87 year old mom died. When I went to the church we had grown up in to ask the pastor to preside at the funeral, he gave me this book: The Reason for God: Belief in an Age of Skepticism by Tim Keller. That's what I am now reading. Ron My symp...
by Fbone
Fri Aug 05, 2011 1:24 am
Forum: Personal Consumer Issues
Topic: Difference between $25,000 car and $50,000 car
Replies: 79
Views: 8664

Just watch out for those fuel pumps in the bmw *35's. They're the main reason those cars are getting black marks for reliability. I'm more of an infiniti fan myself. That VQ v6 just sings. No turbo to mute the vocals... It just so happens I test drove one today. A 2008 G37 asking $19,995. Tomorrow ...
by Fbone
Tue Aug 02, 2011 8:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Infernal Devices by KW Jeter

Now reading The Stars My Destination by Alfred Bester
by Fbone
Sat Mar 12, 2011 3:36 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Books I've recently read:

The Curious Incident of the Dog in the Night-time by Mark Haddon

The Hitchhiker's Guide to the Galaxy

Earth Abides by George Stewart

The Doomsday Book by Connie Willis

Speaks the Nightbird by Robert McCammon

Foundation by Asimov
by Fbone
Sat Mar 12, 2011 1:00 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Speaking of libraries, I'm trying to compose a good constructive letter to www.overdrive.com , a distributor of eBooks to libraries, explaining to them why HarperCollins is being pigheaded in wanting them to restrict library copies of HarperCollins eBooks to 26 readings, and why this will ultimatel...
by Fbone
Sat Mar 12, 2011 12:37 am
Forum: Personal Consumer Issues
Topic: Saving energy with compact fluorescents
Replies: 113
Views: 14256

I average 6 months to a year for CFLs. Strangely, some last a few months and others in the same blister pack lasted for 2 years in the same lamp.

I can enter the bathroom ... urinate ... and exit the bathroom before the CFL achieves full brightness.
by Fbone
Fri Mar 11, 2011 11:26 pm
Forum: Investing - Theory, News & General
Topic: Montier's seven immutable laws of investing
Replies: 10
Views: 1895

fishndoc wrote:
3. Be patient and wait for the fat pitch

Nice in theory, but rarely do we recognize a fat pitch until it has already gone by us. Think March 2009. How many could muster the courage for one big swing then?


Bank of America at $3.17 was one sweet pitch.
by Fbone
Tue Oct 12, 2010 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Unions, NCUA and FDIC
Replies: 12
Views: 1950

With the failure of the corporate credit unions the NCUA had to borrow money from the Fed. This will cause the insurance premiums to increase at each NCUA-insured credit union. I'm expecting less favorable interest rates and more fees in the future.
by Fbone
Wed Oct 06, 2010 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity mySmart Cash Account is a bit of a disappointment
Replies: 38
Views: 14849

The 3rd party banks Fidelity uses are all large FDIC insured ones. Although, they use different ones for each product. My core account uses Union Bank NA, the debit card is through PNC, and checks through UMB. Seems overly convoluted but works seamlessly. Their credit cards do have that foreign tran...
by Fbone
Wed Oct 06, 2010 2:40 am
Forum: Personal Consumer Issues
Topic: NYT: 2 e-books cost more than hardcovers
Replies: 13
Views: 1650

Perhaps libaries will start carrying more e-books. My library is carrying a decent selection of e-books and digital audiobooks, but the catalog seems to work out to roughly "paperback" release dates. No current best-sellers. I'm sure that's the publishers arrangement. It certainly is. Als...
by Fbone
Sat Oct 02, 2010 10:54 pm
Forum: Personal Consumer Issues
Topic: Where do the Bogleheads live?
Replies: 87
Views: 11784

I selected Atlantic Coast. Seemed the best choice for NJ.
by Fbone
Fri Oct 01, 2010 2:56 am
Forum: Personal Consumer Issues
Topic: Has anyone changed their electricity supplier?
Replies: 61
Views: 6815

Okay. Same situation here with respect to government approval, but maybe the rates are more variable. Washington Gas was charging $1.00/therm in mid-September and $0.74 now. Since I only just started watching this stuff, I can't say how often that sort of change occurs. Maybe once or twice a year, ...
by Fbone
Thu Sep 30, 2010 3:21 am
Forum: Personal Consumer Issues
Topic: Has anyone changed their electricity supplier?
Replies: 61
Views: 6815

Sure, but since your local utility also has variable rates, the risk is the same. The bigger challenge is to determine which of the suppliers will be the cheapest on average. The large electricity (and natural gas) providers in NJ tend to have long term generation contracts with their suppliers. Ou...
by Fbone
Wed Sep 29, 2010 2:51 am
Forum: Personal Consumer Issues
Topic: Has anyone changed their electricity supplier?
Replies: 61
Views: 6815

This was a while ago, but in our state many people who changed were badly disappointed. Be sure you find out what happens if your new provider folds . Thanks for the warning. I looked further into this and of the 11 companies authorized in my state of NJ it seems 4 have discontinued service recentl...
by Fbone
Tue Sep 28, 2010 2:13 am
Forum: Personal Consumer Issues
Topic: Has anyone changed their electricity supplier?
Replies: 61
Views: 6815

Has anyone changed their electricity supplier?

And, if so, were you able to consistently save money? With deregulation we have added options but I am worried about the "monthly variable" rates currently being charged. I suppose they use some type of spot price that can increase without warning. Another new and unexpected decision to ma...
by Fbone
Sun Sep 12, 2010 7:22 pm
Forum: Investing - Theory, News & General
Topic: Roubini - expect recession to continue
Replies: 41
Views: 4758

I thought the recession ended in the 3rd quarter of 2009.
by Fbone
Sun Sep 12, 2010 1:58 am
Forum: Investing - Theory, News & General
Topic: Suggested Topics for our Forbes Column
Replies: 46
Views: 5896

How can those with minimal savings invest for their retirement?
by Fbone
Wed Sep 08, 2010 9:25 pm
Forum: Investing - Theory, News & General
Topic: grok says I know that Fidelity is ultimately out to screw me
Replies: 72
Views: 7902

grok87 wrote:
Mostly trust:
Costco, Whole Foods, REI, 5 guys burgers and fries, cracker barrel


Cheers,


LOL! :lol:
by Fbone
Tue Sep 07, 2010 3:01 am
Forum: Investing - Theory, News & General
Topic: grok says I know that Fidelity is ultimately out to screw me
Replies: 72
Views: 7902

The Fidelity Freedom K shares have been around a year now but they get little press. I believe their ERs are 0.19%.

Also, they added a TIP Index fund about the same time.

http://quote.morningstar.com/fund/f.asp ... mbol=FSIPX

Here's M* listing of all Fidelity funds.

http://quicktake.morningstar.com/FundFa ... mbol=10308
by Fbone
Sat Sep 04, 2010 12:22 pm
Forum: Investing - Theory, News & General
Topic: Harrisburg, Pa., defaulting on its bonds......
Replies: 62
Views: 6926

by Fbone
Sat Sep 04, 2010 2:34 am
Forum: Investing - Theory, News & General
Topic: Harrisburg, Pa., defaulting on its bonds......
Replies: 62
Views: 6926

I think what Adrian was saying (and correct me if I'm wrong) was that in bankruptcy depending on Penn law a judge can void union contracts and alter pension obligations. I'm not familiar with bond defaults. Perhaps, they have insurance. What can the bondholders do in a bankruptcy? Will they lose eve...
by Fbone
Sat Sep 04, 2010 2:10 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Fbone wrote:Now starting The Price of Butcher's Meat by Reginald Hill.


This one went back to the library also.

That makes three in a row that I gave up on.

Now trying The Shadow of the Wind by Carlos Ruiz Zafon.
by Fbone
Thu Sep 02, 2010 7:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Frozen Tracks by Axe Edwardson I'm usually not fond of reading translated books as they seem to lose something that made them special. I couldnt finish it. Back to the library it goes ... after Earl leaves. This was also translated from Swedish but too many three word sentences for my taste. More a...
by Fbone
Thu Sep 02, 2010 1:57 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to pay so much for a residence?
Replies: 33
Views: 5685

rec7 wrote:You made a wise choice MIGIHIDARI. Please show this to your wife to show her what she is missing in Kansas. Maybe we can change her mind.

http://frugalzeitgeist.com/cheapest-pla ... 0-a-month/


Just read that link. Never knew there are places where rents are $350/mos for a 3-bedroom house. Wow.
by Fbone
Fri Aug 27, 2010 2:50 pm
Forum: Personal Consumer Issues
Topic: How Long is Too Long Commuting?
Replies: 35
Views: 4561

For me 2 hours each way was the longest I'd considered. This was either driving or public transport.

It seems like a lot but is typical in NYC suburbs.
by Fbone
Tue Aug 24, 2010 5:08 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Frozen Tracks by Axe Edwardson

I'm usually not fond of reading translated books as they seem to lose something that made them special.
by Fbone
Thu Aug 19, 2010 3:39 am
Forum: Personal Consumer Issues
Topic: R.I.P. Bookstores: It's a Sad Day
Replies: 94
Views: 8325

With over 16,000 public libraries in the US each just purchasing one copy would generate enough sales to make any mid-range author happy. And I believe that would be enough to have the title placed on the NY Times Bestseller list if library purchases were included. Library or library systems? My lo...
by Fbone
Wed Aug 18, 2010 8:53 pm
Forum: Personal Consumer Issues
Topic: R.I.P. Bookstores: It's a Sad Day
Replies: 94
Views: 8325

I worry a lot more about what is going to happen to public libraries. I'm sure publishers have wanted to close the "library hole" for a while and they are getting close to getting their wish. Actually publishers love libraries. The impact on bestsellers is minimal and block ordering from ...
by Fbone
Wed Aug 18, 2010 8:43 pm
Forum: Personal Consumer Issues
Topic: R.I.P. Bookstores: It's a Sad Day
Replies: 94
Views: 8325

grok87 wrote:good post- thanks. we love our local library. The interlibrary loan feature is great too...


Whoever invented interlibrary loan is a genius. Almost every US-published book is available to us.
by Fbone
Tue Aug 17, 2010 4:15 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Nightfall by Asimov Said to be the best SF story ever written (I would put 'The Lottery' up there too-- but it's certainly in the top 10). However a short story. is this a book of his short fiction? Asimov and Silverberg turned the original short story into a novel just prior to Asimov's death. The...
by Fbone
Mon Aug 16, 2010 12:11 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Nightfall by Asimov
by Fbone
Sat Aug 14, 2010 2:12 am
Forum: Personal Consumer Issues
Topic: An Invalid SAT Question?
Replies: 108
Views: 10183

I answered Saturday's question correctly.

Does that mean I passed the SATs? I never took them before.
by Fbone
Sun Aug 08, 2010 11:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

chaz wrote:"Evidence" by Jonathan Kellerman.


You power through books quickly. Do you purchase printed copies or Kindle downloads? Library?
by Fbone
Sat Aug 07, 2010 3:29 am
Forum: Personal Consumer Issues
Topic: Journal of my recent bike tour up the Atlantic Coast
Replies: 16
Views: 2597

Very nice! Thanks for posting.
by Fbone
Sat Aug 07, 2010 2:19 am
Forum: Personal Finance (Not Investing)
Topic: How Safe Is [New Jersey] State Pension For Someone Retiring?
Replies: 40
Views: 5489

The courts can redefine terms and set conditions. An example is the "Thorough and Efficient Education" as guaranteed in 1875 by the New Jersey Constitution. What is a "Thorough and Efficient Education?" Does it include extra-curricular activities, school busing, breakfast and lun...
by Fbone
Thu Aug 05, 2010 1:33 am
Forum: Investing - Help with Personal Investments
Topic: ShareBuilder vs. TradeKing vs. Fidelity Brokerage Account
Replies: 28
Views: 7067

As mentioned in innumerable threads, many folks buy Vanguard ETFs without commission through their WellsFargo brokerage account. Also mentioned innumerable times, Wells Fargo Brokerage account requires $25,000 minimum for commission-free Vanguard ETFs. Vanguard Brokerage account requires $50,000 to...
by Fbone
Wed Aug 04, 2010 3:23 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Fever Dream by Preston & Child
by Fbone
Tue Aug 03, 2010 1:48 am
Forum: Personal Consumer Issues
Topic: How much do you spend on e-books?
Replies: 43
Views: 5278

As long as it's DRM free using Calibre is a simple process.
by Fbone
Mon Aug 02, 2010 2:13 am
Forum: Personal Consumer Issues
Topic: Kilowatts in the Summer [Electricity Usage]
Replies: 95
Views: 11126

New Jersey

920 sq ft home with 2 window a/c running continuously

1254 kwh for June 28 days

customer charge ...................... $ 2.20
generation charge 12.366....... $ 155.07
delivery charge 6.7998 .......... $ 85.27

total ................................... $ 242.54
by Fbone
Mon Aug 02, 2010 1:26 am
Forum: Personal Consumer Issues
Topic: How much do you spend on e-books?
Replies: 43
Views: 5278

If your local or county library doesnt have any e-books available through Overdrive, try neighboring ones. There are often reciprocal agreements. Also, there are a few libraries that permit out-of-state residents to purchase a library card by mail for Overdrive access for a modest annual fee between...
by Fbone
Sun Aug 01, 2010 4:34 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

Live Free or Die by John Ringo
by Fbone
Mon Jul 19, 2010 3:35 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 373620

The Frightened Man by Kenneth Cameron
by Fbone
Sun Jul 04, 2010 4:59 pm
Forum: Personal Consumer Issues
Topic: Sprint HTC EVO 4G
Replies: 30
Views: 3723

Sprint gives credit union members 10-15% off many of their popular plans.

http://www.cusaver.com/
by Fbone
Sat Jul 03, 2010 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Got a phone call from my American Funds advisor
Replies: 55
Views: 8427

As I've posted previously my experience with a fee-only advisor was not positive. His fee was $300/hr minimum 3 hours whether it took him 15 minutes or one hour. $900 for a modest portfolio I felt was excessive. Plus, he only gave his recommendations I would still need to implement it myself. I need...
by Fbone
Sat Jul 03, 2010 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard funds in my VBS account?
Replies: 2
Views: 942

Also, VBS has a $50k minimum to avoid the annual fee.
by Fbone
Sat Jul 03, 2010 1:42 pm
Forum: Investing - Theory, News & General
Topic: mutual funds - eight straight weeks of outflows (w/chart)
Replies: 24
Views: 3541

EO 11110 wrote:
Fbone wrote:[
Now it's worth $9040.56


and then adjust it down 20-40% for inflation :shock:


I'm too scared to look :|
by Fbone
Sat Jul 03, 2010 1:26 am
Forum: Investing - Theory, News & General
Topic: mutual funds - eight straight weeks of outflows (w/chart)
Replies: 24
Views: 3541

Beagler wrote:
ziggy29 wrote:...after 10+ years of seeing my retirement look farther away than just about ever, "stay the course" pep talks don't seem to be so inspiring any more.


Indeed, $10k invested in VTSMX a decade ago is today worth only $9,214.
http://tinyurl.com/ygabtrd


Now it's worth $9040.56
by Fbone
Wed Jun 30, 2010 4:08 am
Forum: Investing - Theory, News & General
Topic: inflation rate year to date
Replies: 32
Views: 4429

It's a shame my household inflation rate isnt 0%.
by Fbone
Thu Jun 24, 2010 2:23 am
Forum: Investing - Theory, News & General
Topic: New York Times Rent Vs. Buy Calculator: When renting pays?
Replies: 84
Views: 10102

According to the NYT calculator I make out better buying after one year.