Search found 3738 matches

by iceport
Wed Jul 11, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1794

Re: Tick Tubes and boxes. Permethrin Fipronil

I can't imagine that tick tubes would do much considering the total area you would need to cover. I don't have any experience with yard tick control measures, but I strongly suspect 3CT_Paddler is exactly correct. There is no tick control that would enable you to stop using personal tick protection...
by iceport
Wed Jul 11, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 1994

Re: When to start taxable?

Would it make sense to start a taxable account with equities only for tax efficiency, to help bolster my emergency fund and provide some liquid distant future assets? A taxable account for tax efficiency ? No, absolutely not. The more tax efficient alternatives (traditional defined contribution pla...
by iceport
Mon Jul 09, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4345

Re: Retirees...what’s your lunch menus?

Today's menu: Grilled Jamaican jerk chicken; Steamed broccoli with olive oil and balsamic vinegar; and Mashed chickpea salad. The mashed chickpeas have almost an identical consistency to lumpy mashed potatoes, but tastier — and way healthier. I mash them with a fork in a soup bowl and add a little m...
by iceport
Mon Jul 09, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4345

Re: Retirees...what’s your lunch menus?

Lunches: Monday....Big Mac Tuesday...Quarterpounder Wednesday...Filet o fish Thursday...Nuggets Friday...Quarterpounder w cheese Weekends I switch to pizza. Wowza, lots of healthy chow there! :) Not so sure about the healthy part, but it might just be a decent hedge against longevity risk. 8-)
by iceport
Sun Jul 08, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets
Replies: 16
Views: 3540

Re: Spending Patterns in Retirement: Retirees are Slow to Exhaust their Assets

https://www.ebri.org/pdf/FF.300.AssetPreservation.3Apr18.pdf https://www.blackrock.com/investing/retirement/blackrock-retirement-institute/savings-and-investing/spending-in-retirement TLDR: The researchers found that after 18 years of retirement, the wealthiest group, those with $500,000 or more of...
by iceport
Sat Jul 07, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4345

Re: Retirees...what’s your lunch menus?

Sometimes recently, I've been known to have a bowl of Jasmine rice (leftover usually) punched up with chili garlic sauce and a few splashes of soy sauce. Nothing else, just that. Yum... Probably not a great choice for a pre-diabetic... Dunno, but I'm not one and that wasn't the topic... The OP is, ...
by iceport
Sat Jul 07, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4345

Re: Retirees...what’s your lunch menus?

The Wizard wrote:
Sat Jul 07, 2018 8:03 pm
Sometimes recently, I've been known to have a bowl of Jasmine rice (leftover usually) punched up with chili garlic sauce and a few splashes of soy sauce.
Nothing else, just that.
Yum...
Probably not a great choice for a pre-diabetic...
by iceport
Sat Jul 07, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4345

Re: Retirees...what’s your lunch menus?

I usually eat some meat, a big serving of vegetables, a big serving of legumes or whole grains, and some fruit. I'll grill a few chicken breasts or pork chops, or even saute a couple of fish filets at a time and have leftovers. Once in a while I'll grill a burger. For vegetables I'll steam some broc...
by iceport
Fri Jul 06, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Replacing only 2 tires out of 4?
Replies: 18
Views: 1378

Re: Replacing only 2 tires out of 4?

The front tires wear out faster than the back. If I'm not diligent about rotating, the wear of the front is more than the back, and then the tire place refuses to rotate them, saying the better tread needs to be on the back...so the front then continues to wear more. So now I find that the front ar...
by iceport
Tue Jul 03, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2934

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

It’s not clear — at all — how the numbers you posted are relevant to the question of whether chasing underperformance results in outperformance. Presumably, you used some form of active management that caused you to buy poorly performing assets. [...] Of course it's not clear at all. That's nice. A...
by iceport
Mon Jul 02, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2934

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

(But, hey, at least you can amuse yourself with some dramatic buying and selling.) Got it! Thanks! :) The Zweig article says "A study published this month by Morningstar, the investment-research firm, finds that the average mutual fund gained 5.79% annually over the 10 years ending March 31; the av...
by iceport
Mon Jul 02, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2934

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

Zweig wrote: "When you chase outperformance, you catch underperformance." Is the converse (at least with index funds) then true? -> When you chase underperformance, you catch outperformance. That depends on how it's done. If you overweight portions of the market with low valuations and hold those o...
by iceport
Sun Jul 01, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Air Bag Claim notice from Takata (TK Holdings)
Replies: 14
Views: 2773

Re: Air Bag Claim notice from Takata (TK Holdings)

I'm tempted to ignore this on as well, as I've suffered no damage other than keeping passengers off the front passenger seat for a few months until the airbag could be replaced by a free Subaru recall repair. I look forward to other replies. That is loss of use, which is a damage. Personally, I loo...
by iceport
Sun Jul 01, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Question on "If You Can, How Millenials Can Get Rich Slowly"
Replies: 30
Views: 3709

Re: Question on "If You Can, How Millenials Can Get Rich Slowly"

Hello all! I've recently embarked on learning about investing and trying to develop some financial literacy. I'm 18 years old and focusing right now on saving for college but I'm trying to learn about investing so I can be prepared for the future. I just finished reading the "If You Can, How Millen...
by iceport
Wed Jun 27, 2018 6:54 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9086

Re: Factor Investing Makes Someone Money, But Maybe Not You

Rick, I wonder if some of your change in recommendation is related to do it yourself investor behavior? Do you think a DIY simple 3 fund investor is less likely to tinker with the portfolio? Thanks, Dave We're all entitled to receive market returns. They are sitting there waiting for us, taunting u...
by iceport
Mon Jun 25, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Waiting for a market drop?
Replies: 17
Views: 2370

Re: Waiting for a market drop?

Well, we know you're in that camp, but to most, the RBDs are not buying opportunities, they are jolts that cause more fear. You said it yourself: Behavioral finance at work. The more fear, the better. There are layers of behavioral finance at work here. Sure, there are those who act out of fear. Bu...
by iceport
Mon Jun 25, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: New York Times on current yield curve as powerful signal of recession
Replies: 44
Views: 4167

Re: New York Times on current yield curve as powerful signal of recession

My theory is that they will want to take down the economy in time for 2020, i.e. a recession sometime by 2020. Reason should be obvious, but can not be stated on BH. This can be accomplished by raising interest rates. Whether or not this will crash the stock market? Probably, but not necessarily. W...
by iceport
Mon Jun 25, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: New York Times on current yield curve as powerful signal of recession
Replies: 44
Views: 4167

Re: New York Times on current yield curve as powerful signal of recession

For those who have been through many cycles before, do you always just go full steam ahead with buying regardless of potential indicators of recessions? Rationally I can see why over decades that is a good approach, but my emotions seem to be winning out this morning. Yes! Stay the course! As point...
by iceport
Sun Apr 22, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: wash rule moving from short term investment bnd to short term bnd?
Replies: 3
Views: 232

Re: wash rule moving from short term investment bnd to short term bnd?

Vanguard Short-Term Corporate Bond Index Fund (VSCSX) makes an excellent replacement for Vanguard Short-Term Investment-Grade Fund (VFSTX). VFSTX is actively managed, while VSCSX is an index fund, so this should avoid a wash sale. However, the portfolios are practically the same. If you have at leas...
by iceport
Thu Apr 19, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 3064

Re: Larry Swedroe: What Hampers Pension Plans

It just irks me, though, that the same eagerness to default on long term promises is not extended to bonds. The obvious economic difference is that defaulting on bonds would cripple the ability to continue to borrow. But there's no reason , in my view, why a bondholder should be treated as somehow ...
by iceport
Thu Apr 19, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 3064

Re: Larry Swedroe: What Hampers Pension Plans

Sadly, Larry makes no mention of the most likely primary source of the underfunding: In contrast, the following might be of interest, in regard to Illinois, your state may differ. Below is the title of the paper, that summarizes the article: A dramatic rise in pension benefits – not funding shortfa...
by iceport
Wed Apr 18, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on lump sum vs dollar cost averaging
Replies: 79
Views: 6415

Re: Bloomberg article on lump sum vs dollar cost averaging

A good article on dollar cost averaging. https://www.bloomberg.com/view/articles/2018-04-18/lump-sum-investing-is-the-best-strategy-except-in-this-market A fav quote: "Investing is ultimately an exercise in regret minimization" I used to try lump sum and market timing stuff until I realized I'm ter...
by iceport
Wed Apr 18, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 3064

Re: Larry Swedroe: What Hampers Pension Plans

Why in the world should any of the shortfall be "eaten" by the beneficiaries? They're not the ones playing games to artificially reduce the annual required contributions! If nothing is done, then the choice becomes reduce benefits or increase contributions. The people making contributions may very ...
by iceport
Wed Apr 18, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 3064

Re: Larry Swedroe: What Hampers Pension Plans

The question in the end will be: What portion of the shortfall is eaten by the beneficiaries, and what portion by the general public? Why in the world should any of the shortfall be "eaten" by the beneficiaries? They're not the ones playing games to artificially reduce the annual required contribut...
by iceport
Wed Apr 18, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Hampers Pension Plans
Replies: 30
Views: 3064

Re: Larry Swedroe: What Hampers Pension Plans

http://www.etf.com/sections/index-investor-corner/swedroe-what-hampers-pension-plans?nopaging=1 In this article Larry reviews the status of public pension plans. This is a good Boglehead article explaining the problems facing US public pensions. The lessons completely translate to us individual inv...
by iceport
Wed Apr 11, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3545

Re: Emerging markets tilt

I'm curious to hear from people who are tilting towards EM in the current enviroment: How big is your tilt? What's your rationale? What's your prognosis for the future? I know questions like these have been asked before, but people's opinions on this stuff changes depending on which way the wind is...
by iceport
Wed Apr 11, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6492

Re: Bill Bernstein, new podcast

Nice soundbite, because that is the quintessence of Dave Ramsey's response to folks who disagree with him. :-) [...] I also enjoyed Bernstein's take on hedonic adaptation. He really makes a lot of sense. I don't get your point. You plucked out one sentence. I just referenced that one sentence. Whet...
by iceport
Wed Apr 11, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6492

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts. This isn't really fair to rip this out of context, but here's my favorite soundbite: "...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute." Nice soundbite, because that is the qu...
by iceport
Mon Apr 09, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Post your TLH success / failures
Replies: 6
Views: 694

Re: Post your TLH success / failures

I thought I would post a big success, but after running the numbers, my TLH experience looks downright inconsequential. I harvested losses in Vanguard Total Stock Market Index Fund in mid-October, 2008 in the midst of the Great Recession. I was able to harvest another small loss in the effectively i...
by iceport
Thu Apr 05, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?
Replies: 93
Views: 5735

Re: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?

From author Bill Bernstein in a recent podcast: Bill: Well, I think that markets are basically efficient. You can find certainly holes in market efficiency, it’s a model. The efficient market hypothesis is a model, it’s not reality, but it’s close. The important thing to realize is that there’s very...
by iceport
Thu Apr 05, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6492

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts. This isn't really fair to rip this out of context, but here's my favorite soundbite: "...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute." Nice soundbite, because that is the qu...
by iceport
Thu Apr 05, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6492

Re: Bill Bernstein, new podcast

Thanks for the link! It's always great to hear Bill Bernstein's thoughts.

This isn't really fair to rip this out of context, but here's my favorite soundbite:

"...a suboptimal strategy that you can execute is better than an optimal strategy you can’t execute."
by iceport
Wed Apr 04, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1876

Re: Estimated taxes for 2018

For those of you who prefer to pay estimated taxes based on annualized income (rather than the "safe harbor" of 100%/110% of last year's tax), how are you planning to calculate your estimates this year? I'm guessing there's no tax software out there that is updated for all the 2018 changes yet. Any...
by iceport
Wed Apr 04, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 56
Views: 16339

Re: Make your retirement money last

In my view, there really is no more trustworthy financial journalist than Jane Bryant Quinn, and her new book is a tour de force of the financial issues you’ll face in retirement. I highly recommend it. I agree with Larry. Jane Bryant Quinn’s “How to Make Your Money Last: The Indispensable Retireme...
by iceport
Tue Apr 03, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule question
Replies: 3
Views: 700

Re: Wash sale rule question

I am trying to figure out from a tax standpoint what would be my best approach for selling and funding the IRAs, as I don't want to wait to invest but also don't quite understand the tax implications. Would it be best to buy a different fund and hold for 30 days in the IRA, then sell and put the mo...
by iceport
Tue Apr 03, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?
Replies: 93
Views: 5735

Re: Any seasoned advisors to discuss best sectors/mutual funds for market out-performance?

I'm not too unintelligent to have gotten to where I'm at. If the market indices catch up to my hand selected funds, why wouldn't I go with index funds? It just hasn't happened yet. Hate to say it, but it hasn't been close. Hard numbers are much more convincing than people. The S&P or Nasdaq has don...
by iceport
Tue Apr 03, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3997

Re: Wash sale question- are ITOT and VTI Substantially Identical?

When within the same account, I'll rely the brokerage's criteria to flag a loss in taxable as a wash sale or not. You are aware, though, that the brokerage's requirements are different than yours, right? That's the point. I'm not sure what you're driving at. Could you elaborate? My point was that b...
by iceport
Mon Apr 02, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just screw up my first attempt at tax loss harvesting?
Replies: 12
Views: 897

Re: Did I just screw up my first attempt at tax loss harvesting?

I don't know why I still find this TLH thing so confusing. Don't feel bad, this can be confusing. Give these three short articles a read, and you should understand it all much better. The author has a knack for clear and concise explanations. Wash Sales 101 Substantially Identical Securities Wash S...
by iceport
Mon Apr 02, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3997

Re: Wash sale question- are ITOT and VTI Substantially Identical?

samsoes wrote:
Mon Apr 02, 2018 3:29 pm
When within the same account, I'll rely the brokerage's criteria to flag a loss in taxable as a wash sale or not.
You are aware, though, that the brokerage's requirements are different than yours, right?
by iceport
Mon Apr 02, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Unanswered: Clements Highlights 4 Questions of Much Debate
Replies: 27
Views: 2730

Re: Unanswered: Clements Highlights 4 Questions of Much Debate

1. What’s a retiree’s best strategy for drawing down a portfolio? for a recent thread on the first topic, see here https://www.bogleheads.org/forum/viewtopic.php?f=10&t=245377 "Grok's LMP-4: The 3-legged stool approach to retirement planning" cheers, grok Hi grok, Clements' strategy on this was a s...
by iceport
Mon Apr 02, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3997

Re: Wash sale question- are ITOT and VTI Substantially Identical?

I will admit that I am not an IRS agent. I have always interpreted the wash sale "spirit of the law" as meaning that you may "get stuck" with something, meaning that there has been "risk" (i.e., "getting stuck" with the large cap fund). I had no way of knowing in March, 2009, that it was the nadir ...
by iceport
Mon Apr 02, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Unanswered: Clements Highlights 4 Questions of Much Debate
Replies: 27
Views: 2730

Re: Unanswered: Clements Highlights 4 Questions of Much Debate

THERE ARE MANY FINANCIAL DEBATES that shouldn’t be debates at all. I DISAGREE VEHEMENTLY. I don't know if this was toungue-in-cheek, but I'd just like to point out that this wasn't my statement, and the capitalization of the first letter or words of the first paragraph is some kind of journalistic ...
by iceport
Mon Apr 02, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Unanswered: Clements Highlights 4 Questions of Much Debate
Replies: 27
Views: 2730

Re: Unanswered: Clements Highlights 4 Questions of Much Debate

1. What’s a retiree’s best strategy for drawing down a portfolio? for a recent thread on the first topic, see here https://www.bogleheads.org/forum/viewtopic.php?f=10&t=245377 "Grok's LMP-4: The 3-legged stool approach to retirement planning" cheers, grok Hi grok, Clements' strategy on this was a s...
by iceport
Mon Apr 02, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Unanswered: Clements Highlights 4 Questions of Much Debate
Replies: 27
Views: 2730

Re: Unanswered: Clements Highlights 4 Questions of Much Debate

Well, unfortunately these questions cannot be answered with 100% certainty. You can inform yourself the best you can and make the best decisions possible based upon your knowledge and personal situation. What makes it even harder is that well respected experts disagree on these questions. Even when...
by iceport
Sun Apr 01, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Unanswered: Clements Highlights 4 Questions of Much Debate
Replies: 27
Views: 2730

Unanswered: Clements Highlights 4 Questions of Much Debate

Jonathan Clements always seems to stake out reasonable positions on questions that elude easy answers. Even so, a couple of his proposals surprised even me, a long time reader. THERE ARE MANY FINANCIAL DEBATES that shouldn’t be debates at all. Folks strike strident poses, but often their positions d...
by iceport
Sat Mar 31, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26310

Re: Got my Ruth's Chris seminar invitation, "Surviving Retirement"

At least you'll get a fine meal. Mine wasn't nearly as upscale. But if your experience turns out to be anything like mine was, you'll feel dirty before it's over. I should have anticipated the dilemma I would be in, but it didn't hit me until I was sitting there with my meal in front of me that I wo...
by iceport
Sat Mar 31, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3997

Re: Wash sale question- are ITOT and VTI Substantially Identical?

I guess people just can't stand the idea of staying out of the market for 30 days and buying back the position. How often are people selling for tax losses anyway. I haven't done it for years, but everyone's situation is different. You're right! I certainly couldn't stand to stay out of the market ...
by iceport
Sat Mar 31, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 10116

Clements on Bernstein: Four Pillars of Investing

Well, I don't think the OP does a very good job of characterizing the article. The title gives a better indication: Four Pillars of Investing What science? Bernstein, whom I’ve known for more than two decades, says it has four elements: investment theory, history, psychology, and the business of inv...
by iceport
Sat Mar 31, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3997

Re: Wash sale question- are ITOT and VTI Substantially Identical?

A casual search turned up a valuable resource in considering the question of whether two securities are "substantially identical." The one caveat I must make is that the author, Garrett M. Fischer, Washington University School of Law, makes one huge, glaring error that I'll identify below. That erro...
by iceport
Fri Mar 30, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8204

Re: Vanguard in the WSJ today

conspiracy to drag down vanguard and shift business away from them??? Gripes about Vanguard's interface and customer service are well-known on this forum. Could it be that those who post are mostly the individuals who have had a bad experience? It does not tell us anything about the statistics for ...