Search found 7221 matches

by Call_Me_Op
Sun Jun 16, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Modular Homes-Advice?
Replies: 7
Views: 1218

Re: Modular Homes-Advice?

They tend to be very well built because they are built under controlled conditions and also must withstand the stresses of transport.
by Call_Me_Op
Sun Jun 16, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 19
Views: 1749

Re: Radon levels in home

The 4 pCi/L EPA action limit is arbitrary. This is equivalent to something like 200 chest x-rays per year. Unless you believe this is all hype, there is no proven safe level for ionizing radiation - it is a statistical "game." I would rather minimize any exposure above the unavoidable background.
by Call_Me_Op
Sun Jun 16, 2019 6:29 am
Forum: Personal Investments
Topic: Have to Have Treasuries?
Replies: 14
Views: 1533

Re: Have to Have Treasuries?

You should not be focusing strictly on what happened in 2008, but thinking more generally. More generally, I would be uncomfortable having all of my fixed-income in munis. Therefore, I think a portion in treasuries makes sense. You may make a bit less, but this will be safer. I hold a healthy fracti...
by Call_Me_Op
Wed Jun 12, 2019 5:39 am
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2517

Re: Cash to investments

Santhony511 wrote:
Tue Jun 11, 2019 4:38 am
I am sitting on some cash in a taxable account. Invest it now or wait me til market corrects ? I know timing is discouraged here but common sense says market is overvalued. Goal is 60% stock. Any thoughts?
Common sense says no such thing. You are contemplating market timing, nothing less.
by Call_Me_Op
Wed Jun 12, 2019 5:31 am
Forum: Personal Consumer Issues
Topic: Central Air Conditioning Troubleshooting
Replies: 18
Views: 1099

Re: Central Air Conditioning Troubleshooting

Whenever my system has blown warm air, it has been because it was low on refrigerant. If the compressor is running and the fan is blowing warm air, it is possible that you have developed a refrigerant leak and are low on refrigerant as a result. There are other possibilities (like a really durty eva...
by Call_Me_Op
Tue Jun 11, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: The logical fallacy behind "Bonds Are For Safety"
Replies: 248
Views: 15352

Re: The logical fallacy behind "Bonds Are For Safety"

You are over-thinking this. Right. Because we never want to learn something new, become too smart, or make decisions that are too well-informed. Come on man you should know you just made the classic strawman fallacy. You keep critizing others of logical fallacies (which is fine really) but don't se...
by Call_Me_Op
Tue Jun 11, 2019 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 136
Views: 8077

Re: Do you carry Umbrella Insurance?

Trader Joe wrote:
Sun Jun 09, 2019 6:44 pm
masonstone wrote:
Sat Jun 08, 2019 7:03 am
I'm debating on the limit I should carry for Umbrella Insurance. What percentage of your net worth do you carry as umbrella insurance?
No I do not carry umbrella insurance. There is no need.
So you are broke with zero future income?
by Call_Me_Op
Tue Jun 11, 2019 5:33 am
Forum: Personal Investments
Topic: Bond interest rates
Replies: 9
Views: 1039

Re: Bond interest rates

Lots of people are confused by this. There are new bonds being issued all the time. They are issued at specific interest rates that depend upon many factors, but mainly the state of the economy and the financial health of the issuing entity. The interest rates on new bonds affect the value of existi...
by Call_Me_Op
Fri Jun 07, 2019 7:41 am
Forum: Personal Investments
Topic: brokered CDs from fidelity/vanguard, bank reputation?
Replies: 28
Views: 2228

Re: brokered CDs from fidelity/vanguard, bank reputation?

I am thinking about buying brokered CDs from Fidelity or Vanguard. Do I need to worry about the reputation of the banks where the CDs come from? Are there any risks? They all seem to be FDIC insured. I am usually more comfortable buying my CDs directly from Ally. But this time I need to buy CDs in ...
by Call_Me_Op
Tue Jun 04, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2516

Re: New refrigerator noise is driving us nuts

Have you measured the sound level? Most items sold have specifications published.

Addendum: Nursebee, just noticed you basically said the same thing.
by Call_Me_Op
Sun Jun 02, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

UpstateNY86 wrote:
Sat Jun 01, 2019 6:28 am
Thats what I figured. Glad to hear you are all set now.

Thanks Upstate.
by Call_Me_Op
Sat Jun 01, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1119

Re: Driveway Stain - What is it?

Update: After a lot of rinsing and sunlight, the stain has faded significantly. I think it is water soluble - maybe even AC condensate. I think what happened is because my asphalt is old and porous, the fluid that caused the stain was absorbed overnight. That would explain why freshly-applied water ...
by Call_Me_Op
Sat Jun 01, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1119

Re: Driveway Stain - What is it?

cheese_breath wrote:
Sat Jun 01, 2019 11:14 am
Radiator coolant? Brake fluid?

I'd let him know just in case his truck might be damaged by losing too much of whatever it is.
Good idea. Thanks cheese_breath.
by Call_Me_Op
Sat Jun 01, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Driveway Stain - What is it?
Replies: 11
Views: 1119

Driveway Stain - What is it?

A contractor visited my house yesterday and parked his van on my asphalt driveway for about 1 hour. When he left, I noticed a stain on the asphalt about 2 feet by 5 feet - very noticeable. The stain is not dark like oil - it looks like a water stain. It is under where his front passenger side was. I...
by Call_Me_Op
Sat Jun 01, 2019 6:21 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 4781

Re: Safety of treasury bonds vs treasury money market

I would opt to own the treasuries directly.
by Call_Me_Op
Sat Jun 01, 2019 6:12 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9761

Re: How did you all do in the month of May, 2019

S&P 500 was down 6%, so you can estimate how much you lost by multiplying 6% by the fraction of your portfolio in equities.
by Call_Me_Op
Sat Jun 01, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

student wrote:
Sat Jun 01, 2019 5:52 am
Thanks for the update.
Thanks student. To answer your earlier question, temp of air coming out of vent was 64F before adding R410A, 49F after.
by Call_Me_Op
Sat Jun 01, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

Update: Technician returned yesterday and found that refigerant was low. He felt that I do not currently have a leak, but that he did not charge the system completely back 6 weeks ago because it was getting cold outside. He added some R410A and the system is now cooling like it did when it was new. ...
by Call_Me_Op
Thu May 30, 2019 5:47 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5444

Re: Jim Cramer

My question is why would you think (or have thought) there is value in listening to any speculator?
by Call_Me_Op
Thu May 30, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 68
Views: 4771

Re: Don't add currency risk on top of equity risk

Here's my position: When investors purchase foreign equities they are assuming both equity risk and currency risk. It is assumed that the currency risk is embedded in the equity risk, but it isn't. The currency risk exists on top of the equity risk when owning foreign equities. Why should you assum...
by Call_Me_Op
Wed May 29, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12725

Re: 2% withdrawal rate

2% will definitely work, but is very conservative.
by Call_Me_Op
Wed May 29, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

If the charge was weighed in properly, the temp that day should not have mattered. However, to assess the balance of the charge, you really need a load on the system. Preferably at least 80 - 90 degrees. Everybody including you are focusing on the refrigerant charge. While that may be the problem, ...
by Call_Me_Op
Wed May 29, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

Prior to replacing one of my heat pumps, the A.C. tech found a partially clogged drain line that would sometimes trip a control that shut down the unit until the catch pan no longer was in danger of overflowing. Unit was in the attic. When the techs looked at the exit point, they would see it drain...
by Call_Me_Op
Wed May 29, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

I didn’t think you could just replace Freon (R-22)with Puron (R410-A), and I found this info on an HVAC website: “You cannot just switch refrigerants because R410-A and R-22 have different chemical properties. R410-A operates at a higher pressure. If you put R410-A into an R-22 system, the parts wi...
by Call_Me_Op
Tue May 28, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

I have an aging central A/C system. It is 14 years old. Recently, I had a refrigerant leak supposedly repaired and the system was recharged (with Puron - the newer stuff). Today it was 85 F-87 F (and sunny) outside and the AC would not reduce the 2nd floor temperature below 73 F when running consta...
by Call_Me_Op
Mon May 27, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2260

Re: Should I replace my AC?

I would replace it. I just paid $800 to have a leak diagnosed and (supposedly) fixed, and the system is still not working. My unit is only 14 years old. 20 years is a long time to get service from an AC unit.
by Call_Me_Op
Mon May 27, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

I have an aging central A/C system. It is 14 years old. Recently, I had a refrigerant leak supposedly repaired and the system was recharged (with Puron - the newer stuff). Today it was 85 F-87 F (and sunny) outside and the AC would not reduce the 2nd floor temperature below 73 F when running consta...
by Call_Me_Op
Mon May 27, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

Retracted
by Call_Me_Op
Mon May 27, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

OP, if you are going to replace, I would try to limp along for the summer as you would be buying at peak season for AC work. You could probably do better in the fall. Broken Man 1999 Thanks for the tip. I could possible limp along, but not with it in its current state. First heat wave would drive m...
by Call_Me_Op
Mon May 27, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

I didn’t think you could just replace Freon (R-22)with Puron (R410-A), and I found this info on an HVAC website: “You cannot just switch refrigerants because R410-A and R-22 have different chemical properties. R410-A operates at a higher pressure. If you put R410-A into an R-22 system, the parts wi...
by Call_Me_Op
Sun May 26, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Re: Central AC not Working Properly?

What temp are you shooting for? We run at 74 and my daughter's wear sweaters when they are at our casa for any length of time. They say we are hanging meat in the house! Broken Man 1999 I set it at 73, but it never shut off - which it would have done of temp has reached 72. In part, I was testing t...
by Call_Me_Op
Sun May 26, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2323

Central AC not Working Properly?

I have an aging central A/C system. It is 14 years old. Recently, I had a refrigerant leak supposedly repaired and the system was recharged (with Puron - the newer stuff). Today it was 85 F-87 F (and sunny) outside and the AC would not reduce the 2nd floor temperature below 73 F when running constan...
by Call_Me_Op
Sun May 19, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14334

Re: FIRE - What am I missing in the News Stories

I think 35 is way too early to retire, and $1.2 million won't be enough at that age. But to your point, people have all kind of crazy ideas that do not pan-out as they had hoped.
by Call_Me_Op
Sun May 19, 2019 8:09 am
Forum: Personal Investments
Topic: "Steelmanning" the case for owning individual stocks
Replies: 75
Views: 6213

Re: "Steelmanning" the case for owning individual stocks

If you enjoy it - by all means have at it, but don't fool yourself into to thinking this is a productive use of your time and energy.
by Call_Me_Op
Sun May 19, 2019 8:03 am
Forum: Personal Investments
Topic: FDIC Coverage Limits
Replies: 22
Views: 1381

Re: FDIC Coverage Limits

Bern wrote:
Sat May 18, 2019 10:15 am
Is it okay to exceed FDIC limits on a high interest rate 5 year CD if the bank is highly rated? Only the compounded interest is at risk. The principal is within insurance limits.
Probably fine, but I always keep a bit of margin to allow the interest to fall within the limit.
by Call_Me_Op
Sun May 19, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella Insurance from USLI -- sound ok?
Replies: 15
Views: 809

Re: Personal Umbrella Insurance from USLI -- sound ok?

My broker has quoted me ~$300/year for personal umbrella insurance from USLI with a $1,000,000 limit. Does that sound ok? I have a policy that is higher than that and significantly cheaper with Geico. But depends on the specifics on what you own. As well as many other factors, including where you l...
by Call_Me_Op
Tue May 07, 2019 8:25 am
Forum: Personal Investments
Topic: Vanguard, Fidelity and cybercriminals
Replies: 13
Views: 2344

Re: Vanguard, Fidelity and cybercriminals

tibbitts wrote:
Mon May 06, 2019 7:33 am
Thesaints wrote:
Sun May 05, 2019 9:19 pm
More importantly, I would assume they have insurance.
I would not assume they have insurance to cover losses as great as their total invested assets.
Absolutely not - not even close.
by Call_Me_Op
Tue May 07, 2019 8:03 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13520

Re: I tried to fire my financial advisor of 12 years today...

I'm feeling bad about pulling the plug on him after 12 years, so I'd love any thoughts or data about why this would be better for me in the long run! It'll help me make a final decision this weekend. Perhaps it won't be better for you (to break-up with him). You do not sound very confident in the i...
by Call_Me_Op
Sun May 05, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)
Replies: 62
Views: 5050

Re: Marriage or No Marriage? (Home, children, HSA, IRA, etc.)

This is going to sound really unromantic, but the way my SO and I discussed this & cohabitation was: let's figure out how the divorce or break-up would look like, and then decide. This way we both know exactly what expectations we have of each other. It was helpful for her to think about the situat...
by Call_Me_Op
Sun May 05, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: New article: Taxable account
Replies: 15
Views: 1853

Re: Soliciting feedback on new Wiki article: Taxable account

BH community, I'm working on a few Wiki edits and I noticed there was no article on Taxable accounts, so I made one: https://www.bogleheads.org/wiki/User:Fyre4ce/Taxable_account Most of the relevant material is covered elsewhere on the Wiki but I definitely think there should be one article that pu...
by Call_Me_Op
Thu May 02, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: Do You Believe 10 Years Return Data Is Just Noise?
Replies: 57
Views: 3407

Re: Do You Believe 10 Years Return Data Is Just Noise?

Yes, 10 years is essentially noise for the long-term investor.
by Call_Me_Op
Tue Apr 30, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2411

Re: TIPs vs total return portfolio in retirement

I think I'm missing something in my understanding of retirement funding. Hoping someone can clear this up. According to Wade Pfau's article, approx $1M is needed for a 30 year, $40,000 per year TIPS ladder. https://retirementresearcher.com/building-retirement-income-tips-ladder/ Using a total retur...
by Call_Me_Op
Tue Apr 30, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16479

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

But there is no financial information stored on a landline phone. So if could only be used for 2FA. It would provide no other information. And that's all that it is in this attack. To be clear--the bad guys in this incident did NOT get control of any data on the phone. They just took over the phone...
by Call_Me_Op
Tue Apr 30, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Identity security reccemendations?
Replies: 12
Views: 706

Re: Identity security reccemendations?

I believe you have 60 days from the time a fraud appears on a bank statement to report this to the bank. I believe they are bound by law to make you whole - perhaps less 50 bucks (reported within 2 days) or 500 bucks (reported within 60 days). This same statutory protection does not apply to brokera...
by Call_Me_Op
Tue Apr 30, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16479

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

SpaethCo wrote:
Tue Apr 30, 2019 2:16 am
Landline phone service is vulnerable to this same attack — it just takes longer.
But there is no financial information stored on a landline phone. So if could only be used for 2FA. It would provide no other information.
by Call_Me_Op
Mon Apr 29, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 16479

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

Cycle wrote:
Sun Apr 28, 2019 9:23 am
note to self, don't keep 90% of net worth in cash (or electronic equivalent)
Would this have mattered? Can't the crook convert securities to cash by selling?
by Call_Me_Op
Sun Apr 28, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"
Replies: 48
Views: 5116

Re: John Rekenthaler, "Whatever Happened to Emerging-Markets Stock Funds?"

To my way of thinking, it makes no sense to avoid investing in (stocks of companies headquartered in) a group of countries that are available for investing - whether they are called emerging or begin with the letter "B."
by Call_Me_Op
Wed Apr 24, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 935
Views: 93161

Re: "S&P 500 Index closes at record high"

" Stay the course " seems like great advice but WHEN is it time to NOT " stay the course" ( BTW I am and have been " staying the course" and plan on doing so, but am I the only who wonders ?? Never - one should always stay the course. However, the course can be adjusted slowly as one ages or encoun...
by Call_Me_Op
Mon Apr 22, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Central A/C Question
Replies: 6
Views: 910

Central A/C Question

I have a 14 year-old Carrier 3-ton A/C system. My understanding is that central A/C systems should not be run if the outdoor temperature is below (say) 55F to 60F. I guess the reason for this is that the refrigerant can condense, and that can cause problems. Does anyone know how long the system need...