Search found 7794 matches

by Call_Me_Op
Sat Jul 11, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

Kids playing outside in their back yards and such doesn't bother me. The noise around my neighbor's pool can get a bit over the top at times (from adults getting inebriated, talking/laughing extraordinarily loud late at night more than anything else). The one that winds me up to the max is obliviou...
by Call_Me_Op
Sat Jul 11, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

Yes. The more you lose your hearing, the louder the tinnitus. Solution is not white noise, or any masking noise, because the more sound there is, the louder the tinnitus. What to do. What to do. j :happy The solution is hearing aids that create a lot of white noise. Or make friends with your tinnit...
by Call_Me_Op
Sat Jul 11, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

You could look into these: https://indowwindows.com/solutions/window-noise-reduction/ Check these out if you haven't, they look like a fabulous solution. Dave Yes, I am looking into these. I am awaiting more information. They are acrylic (plexiglass) with a silicone ring that allows press-fitting i...
by Call_Me_Op
Fri Jul 10, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

I'm late thirties and cannot tolerate noise. It's not just a "55+" problem. My in-laws live in one of these communities, BTW, and it's plenty noise with the leaf blowers and mowers. The HOA is really aggressive about landscaping! You can find window inserts that will help insulate noise from outsid...
by Call_Me_Op
Fri Jul 10, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

As you get older you might loose part of your hearing. We live on a 0.41 acre lot in a suburb of bigger cities. I need hearing aids usually and have no problem with noise, can't hear it all. But usually my neighborhood is quiet, except when a new neighbor brought with them 2 noisy dogs, but they th...
by Call_Me_Op
Fri Jul 10, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

FI4LIFE wrote:
Tue Jul 07, 2020 5:56 am
Higher cost of living areas are more likely to have working professionals who are sleeping at night.
Bingo. I have observed that the few professionals (including myself) in my neighborhood do not cause any of the problems I cite.
by Call_Me_Op
Sun Jul 05, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

shell921 wrote:
Sun Jul 05, 2020 4:08 pm
I read you find earplugs uncomfortable - have you tried the silicone ones? I use those !!!
No, I have not. To be honest, I don't like things in my ears when trying to sleep and I know that type (also) inserts into the ear canal.
by Call_Me_Op
Sun Jul 05, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

A couple of posters have mentioned windows. I agree with what they have shared. When I had our windows replaced with double-pane w/argon gas I was amazed at the difference. All windows we changed out had new non-metal frames and were filled with some kind of insulation. I didn't replace our origina...
by Call_Me_Op
Sun Jul 05, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

I've stayed at hotels at airports, connected to the terminals, which were literally soundproof. I couldn't hear a whisper from the running aircraft engine 100 yards away from my window. From an engineering standpoint, it's clearly feasible to design a building to block out all external noise. Maybe...
by Call_Me_Op
Sun Jul 05, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

Greetings, I am sensitive to noise and do not like it. I have issues with two categories of noise: 1. Noise (like people playing music and talking outside) at night when I am trying to go to sleep 2. Noise that can be dangerously loud, such as nearby illegal fireworks. I am really rattled after las...
by Call_Me_Op
Sun Jul 05, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

I can feel your pain! I have experienced some really extreme neighborhood noise. 1st neighbor had a son the would do laps in 4-wheeler around his house at 9pm at night. ( Normal spacing between homes, maybe 20ft) This neighbor loses home to foreclosure, house is bought as a rental. Young couple ren...
by Call_Me_Op
Sun Jul 05, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

I just moved last week to get away from loud neighbors and noise from a busy street, so I understand your situation. I'm now renting a standalone single family—my first time not sharing walls. Meanwhile, have you considered sleeping with earplugs? I recommend the slim fit foam earplugs from Mack's,...
by Call_Me_Op
Sun Jul 05, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

sd323232 wrote:
Sun Jul 05, 2020 12:47 pm
why not just buy gun range rated headmuffs for $20 on ebay or amazon? you not gonna hear anything
How can one sleep with those on?
by Call_Me_Op
Sun Jul 05, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 56
Views: 4049

Re: Based on neighborhood fireworks how is your local economy doing?

tomd37 wrote:
Sun Jul 05, 2020 11:25 am
Fireworks in the neighborhood were quickly stopped last night when Mother Nature gave huge presentation of her own fireworks that drove the neighbors inside very quickly never to return! I suspect they will be back out tonight. :annoyed
Love when that happens. :)
by Call_Me_Op
Sun Jul 05, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Based on neighborhood fireworks how is your local economy doing?
Replies: 56
Views: 4049

Re: Based on neighborhood fireworks how is your local economy doing?

arcticpineapplecorp. wrote:
Sun Jul 05, 2020 10:14 am
Now I know where those stimulus checks went.
exactly
by Call_Me_Op
Sun Jul 05, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

All,

Some great responses so far offering excellent insight. Many thanks and appreciate any and all additional thoughts.
by Call_Me_Op
Sun Jul 05, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Re: Neighborhood Noise

Depending on what you are dealing with, maybe the most important thing is to try adjust how you deal with the noise, rather than trying to accomplish total isolation. I don't know what you're feeling, but if you get angry at the first bit of noise, why is that? Try to tone it down. Wakka wakka. The...
by Call_Me_Op
Sun Jul 05, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 142
Views: 8914

Neighborhood Noise

Greetings, I am sensitive to noise and do not like it. I have issues with two categories of noise: 1. Noise (like people playing music and talking outside) at night when I am trying to go to sleep 2. Noise that can be dangerously loud, such as nearby illegal fireworks. I am really rattled after last...
by Call_Me_Op
Sat Jul 04, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.
Replies: 84
Views: 6883

Re: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.

Good podcast - although I refuse accept the idea that dividend-paying stocks are a good substitute for bonds. Stocks are stocks - and bonds are bonds. The best way to address today's low interest rates is to save more and/or spend less. Dr. Malkiel appears to look at investing strictly through the l...
by Call_Me_Op
Sat Jul 04, 2020 9:31 am
Forum: Personal Investments
Topic: Long term bonds over total bond market?
Replies: 22
Views: 1746

Re: Long term bonds over total bond market?

ChrisO wrote:
Sat Jul 04, 2020 9:25 am
Hello, I wondering what everyone's thoughts are on holding long term treasuries (LTT) over the total bond market (TBM). Portfolio Visualizer shows...
Are you investing for the past or the future?
by Call_Me_Op
Fri Jul 03, 2020 6:18 pm
Forum: Personal Investments
Topic: Should I change asset allocation to feel less anxiety
Replies: 54
Views: 3586

Re: Should I change asset allocation to feel less anxiety

I have stay the course so far this year. I have not sold any stock. Even re-balanced when it exceeded 5% threshold (that was very difficult, had some difficulty sleeping for a few weeks after and then market exploded up again). But I also have not been putting in any new money into the stock market...
by Call_Me_Op
Fri Jul 03, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Doesn’t Recent Small Value Underperformance Create It’s Own Argument For Incorporation Into A Portfolio?
Replies: 17
Views: 1241

Re: Doesn’t Recent Small Value Underperformance Create It’s Own Argument For Incorporation Into A Portfolio?

A big part of efficient portfolio construction is the incorporation of less than perfectly correlated investments, each subject to its own unique risks. Doesn’t the recent underperformance of SV compared to TSM and LG reveal it’s increased exposure to risk and it’s exposure to unique risks? Could i...
by Call_Me_Op
Fri Jul 03, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3096

Re: Study claims active management better than benchmarks

Watch the language (kind of like, "watch the pea"): "...trades outperform their benchmarks." Note that they said that the trades outperformed the index, that they did not say that the funds outperformed the index. Rick Ferri suggests that a skilled manager can outperform the market but the out-perf...
by Call_Me_Op
Fri Jul 03, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3096

Re: Study claims active management better than benchmarks

The language used in the article is very unclear. But the humble arithmetic of investing is immutable. It is simply not possible that active managers (in the aggregate) can beat the market - at least, not the investors who invest in their funds. Active managers ARE the market, and therefore in aggre...
by Call_Me_Op
Fri Jul 03, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Protecting my Assets
Replies: 19
Views: 1537

Re: Protecting my Assets

I'm not sure if that applies to reinvesting dividends. That's a really good question - but it shouldn't apply, since all of the dividends are generated by the money already in the account - not by the person's current or future labor. You may want to speak to an estate attorney. A trust might be a ...
by Call_Me_Op
Fri Jul 03, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 18819

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

As I write this post, Vanguard's total-market ex-US fund VTIAX/VXUS is trading below its price of 9.5 years ago . In the same timeframe, Vanguard's total US market VTSAX/VTI nearly tripled in price, even after the recent hit of COVID-19. Ex-US returns have been simply abysmal for the past decade. V...
by Call_Me_Op
Wed Jul 01, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Why is risk often defined as volatility?
Replies: 27
Views: 1782

Re: Why is risk often defined as volatility?

userwithconcern wrote:
Sun Jun 28, 2020 7:28 pm
Why is risk defined by most on here as volatility? Why aren't people allowed to have other interpretations of the term?
It's not just "on here." The academics use volatility (standard deviation) because it is easy to measure. You are free to use whatever definition you like.
by Call_Me_Op
Sat Jun 27, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

I too had to sleep with noisy neighbors and vinyl windows. I "installed" foam acoustic tiles, sold for music studios. Cut them to size, taped them together, mounted directly against the window. Minimal expense, minimal effort, non-permanent (I might or might not take them down in winter), noticeabl...
by Call_Me_Op
Sat Jun 27, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

How much do the Indows cost? I did not see pricing information on their website so if you have to ask... I have a busy street close by and have considered some kind of sound reduction for my bedroom window. Depends on size of window. I think they quoted me about $700/window plus shipping. The windo...
by Call_Me_Op
Fri Jun 26, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

An additional note is that industrial ear protection devices such as foam ear plugs and ear muffs produce a sound power reduction on the order of 20-30 db. Those -7 db curtains would have to be tripled in layers to get to -21 db. Note loudness is halved for every 10db reduction. That's what I on Ju...
by Call_Me_Op
Fri Jun 26, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

mhc wrote:
Fri Jun 26, 2020 8:51 am
Some people can't sleep with earplugs in........
Unfortunately, I am one of those people. They are uncomfortable to me.
by Call_Me_Op
Fri Jun 26, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

When watching Downton Abby, folks may have noticed that in the morning the staff has to open the bi-fold solid interior wooden window shutters. Before the advent of storm windows these were not uncommon in more upscale homes. In urban townhouses, it muffled the sound of horses clomping around. (The...
by Call_Me_Op
Fri Jun 26, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

I recently installed a storm door on our home's main entrance that opens into the living room. It made a huge difference. Sounds from the outside were greatly reduced. Sometimes storm windows can be installed on the interior too. I would do whatever it takes. Thanks. There are definitely interior s...
by Call_Me_Op
Fri Jun 26, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

shunkman wrote:
Fri Jun 26, 2020 7:14 am
If you haven't tried one, a sound machine helps a lot too. We don't sleep without it.
Thanks, Yes, I have a couple of them, but if I put the volume high enough to mask some of the sounds I am talking about, the machine itself is disturbing.
by Call_Me_Op
Fri Jun 26, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

I recently installed a storm door on our home's main entrance that opens into the living room. It made a huge difference. Sounds from the outside were greatly reduced. Sometimes storm windows can be installed on the interior too. I would do whatever it takes. Thanks. There are definitely interior s...
by Call_Me_Op
Fri Jun 26, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

Just to make sure, do your vinyl windows have double-pane, sealed glass units? How old are they? Is the (moving) weatherstripping still in good condition? Are your exterior walls insulated? Existing windows are double-hung, two-pane standard grade vinyl. Windows and weather stripping are in great s...
by Call_Me_Op
Thu Jun 25, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Re: Exterior Storm Windows for Noise Reduction

Drapes would probably provide more sound isolation than storm windows. Really? I thought that mass is needed to effectively block sound. I have actually ordered some moving blankets and I am going to try to double them up and cover the windows. But I am not optimisitic that they can reduce the soun...
by Call_Me_Op
Thu Jun 25, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1159

Exterior Storm Windows for Noise Reduction

I have an issue where some of my neighbors like to have frequent parties in their backyards and the houses are fairly close. The main issue for me is sleeping at night - even if the neighbors have turned-off the music and are just talking. I have two windows in my bedroom, and I believe these window...
by Call_Me_Op
Sat Jun 13, 2020 7:17 am
Forum: Investing - Theory, News & General
Topic: The “Abandon Bonds” strategy
Replies: 200
Views: 16209

Re: The “Abandon Bonds” strategy

"I've said it a thousand times and I've meant it every time - Stay the Course!"

-John C. Bogle
by Call_Me_Op
Sat Jun 13, 2020 7:15 am
Forum: Investing - Theory, News & General
Topic: Incredible Returns
Replies: 67
Views: 6117

Re: Incredible Returns

How do you all deal with friends/colleagues who keep telling you about their amazing, astronomical returns and are using a completely different investing approach than what is typically recommended by bogleheads. I realize that if in fact this is true, he is speculating and these returns are based ...
by Call_Me_Op
Fri Jun 12, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Thinking of closing out my Vanguard Account
Replies: 55
Views: 6676

Re: Thinking of closing out my Vanguard Account

Cheez-It Guy wrote:
Thu Jun 11, 2020 12:42 pm
1. Why?
2. Do you really want to prefer face-to-face banking interaction in the current environment and especially at your stated age?
He always has the option of remote access as well.

I have found that there are times when it is really valuable to show-up physically at an investor center.
by Call_Me_Op
Fri Jun 12, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: Confusion about the 4% rule
Replies: 91
Views: 4555

Re: Confusion about the 4% rule

During the last few months my portfolio value has been all over the place... at the peak on Feb 19 it was at $702K and my FIRE number is about $1M. But say hypothetically I wanted to retire... in mid Feb I would've used $702k, 4% would be $28K/yr. At the low point in the crash it was about $480K so...
by Call_Me_Op
Thu Jun 11, 2020 9:35 am
Forum: Investing - Theory, News & General
Topic: Do Any Bogleheads Consider Themselves Bears?
Replies: 51
Views: 2543

Re: Do Any Bogleheads Consider Themselves Bears?

Agnostic here. No idea what will happen in the future and not particularly concerned as long as the very long-term trend is up.
by Call_Me_Op
Thu Jun 11, 2020 8:40 am
Forum: Investing - Theory, News & General
Topic: How do Index Funds Make Money?
Replies: 6
Views: 687

Re: How do Index Funds Make Money?

Jcwcable wrote:
Thu Jun 11, 2020 8:08 am
How do Index funds actually earn?
They don't make much themselves, but the companies that offer them make a lot more on their active fund offerings. They are hoping that by bringing your money into their custodianship, you will buy more expensive products. Vanguard is a possible exception.
by Call_Me_Op
Thu Jun 11, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Market makes no sense
Replies: 116
Views: 8070

Re: Market makes no sense

After a decade of being a stable, passive investor, I'm tempted to time the market. Can someone help talk me off the ledge? I don't understand how we can have a recession with such massive unemployment, companies going bankrupt and closing stores, a likely virus resurgence leading to further decrea...
by Call_Me_Op
Thu Jun 11, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: TIPS yielding almost 2% real
Replies: 13
Views: 2541

Re: TIPS yielding almost 2% real

FlyingMoose wrote:
Tue Jun 09, 2020 7:56 pm
According to Vanguard's website, the short-term TIPS fund (VTAPX) currently has a yield of 1.96%, which doesn't include the inflation adjustment. The price hasn't dropped significantly, so how is the yield so high?
Rest assured that the real yield on TIPS today is nowhere near 2%.
by Call_Me_Op
Tue Jun 09, 2020 8:17 am
Forum: Personal Investments
Topic: Investing in Extended Market fund
Replies: 13
Views: 958

Re: Investing in Extended Market fund

MapleSyrup wrote:
Sun Jun 07, 2020 5:56 pm
If one desires a small/mid cap tilt, what is wrong with using a Vanguard Extended Market Index Fund?
Nothing - just be aware that it is rather inefficient among index funds, so best held in tax-advantaged account.
by Call_Me_Op
Tue Jun 09, 2020 7:40 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21025

Re: Markets back near all time highs - how are you feeling and path forward ?

So the market is back up to all-time highs and I’m guessing pretty much everybody’s portfolio is as well. I am feeling relieved for sure, but not sure if there is a lot of happiness at this time with all the uncertainty still around. Covid is still spreading and millions are still without jobs . Wh...
by Call_Me_Op
Tue Jun 09, 2020 7:37 am
Forum: Personal Investments
Topic: Have recent events affected boglehead investment philosophy?
Replies: 41
Views: 2592

Re: Have recent events affected boglehead investment philosophy?

owenmia wrote:
Mon Jun 08, 2020 1:31 pm
Has covid and the recent civil unrest changed anything in terms of boglehead philosophy?
Not one iota. Please refer me to a period in history that was not riddled with crises and uncertainty. I definitely agree with the poster immediately above.
by Call_Me_Op
Sun Jun 07, 2020 6:57 am
Forum: Investing - Theory, News & General
Topic: Gold vs bonds
Replies: 72
Views: 4062

Re: Gold vs bonds

The common argument I've seen here is that gold is a bad investment because it doesn't pay any dividends, and on average only keeps up with inflation. I've also seen it said that the best predictor of the future return of bonds is the current yield. The yields on bonds are currently so low that the...