Search found 216 matches

by AerialP
Wed Jul 01, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Buying house without realtors
Replies: 84
Views: 5020

Re: Buying house without realtors

I keep finding these "you don't pay the realtor" arguments to be a matter of mental accounting. Of course you are paying the realtor(s) - their services are embedded in the purchase price. You may not be cutting a check directly payable to their name(s) but surely they are being paid within the proc...
by AerialP
Fri May 01, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4881

Re: Front load washing machine recommendations

We also like the ventless condensing heat pump dryer. I am a huge believer in the combo washerdryers. The condensing drying system takes longer but is SO much kinder to all the textiles and fits in places that many laundry solutions wouldn't. Best for a single person or a couple who lives lightly.
by AerialP
Thu Apr 30, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Lakeland, FLA as a retirement destination?
Replies: 8
Views: 1350

Re: Lakeland, FLA as a retirement destination?

I have spent a few months of my life, off and on with work assignments over the years, working out of Lakeland. I am not a fan of Florida by and large, having experienced broad swaths of it, but something about Lakeland is uniquely appealing to me. It feels more like the Florida-ness of Florida, lik...
by AerialP
Sat Apr 18, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4378

Re: How to get Liquid Hand Soap? seriously.

When my existing handsoap dispenser ran out, instead of disassembling and parsing it out to the recycling bin I simply reused it by putting a bit of the ol' standby Dr Bronner's soap (they have great scents and great quality) in to it and diluting it and shaking it to mix, maybe a 1:10 ratio. The di...
by AerialP
Tue Apr 14, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: At what point is it necessary to cut down dead trees?
Replies: 46
Views: 2640

Re: At what point is it necessary to cut down dead trees?

Being in a more rural area, as you say, consider leaving up as much of the tree as possible to foster wildlife with this unique habitat. Woodpeckers and wood ducks are two which come to mind as utilizing dead trees and they as well as others are fascinating to watch throughout the seasons.
by AerialP
Fri Apr 03, 2020 9:32 pm
Forum: Investing - Theory, News & General
Topic: Isnt shale oil industry more of risk factor than covid itself?
Replies: 45
Views: 3220

Re: Isnt shale oil industry more of risk factor than covid itself?

If only they had saved more of an emergency fund and didn't buy lattés and new iPhones. But seriously, I very much look forward to coal and oil companies being relegated, in my lifetime, to the conversational replacement for buggywhips as an example of obsolescence. We clamour for the latest and gre...
by AerialP
Sat Mar 28, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17645

Re: What will you do first, once COVID pandemic is over?

Be prepared for a long haul - the pandemic may not be over until a vaccine is available, perhaps in fall, 2021. If it is over by mid-summer I look forward to visiting our children and grandchildren, and to a few New England vacations later this summer and fall. We have already cancelled a condo in ...
by AerialP
Wed Mar 18, 2020 5:49 pm
Forum: Personal Investments
Topic: Time to Move Vanguard MM Funds to Local Bank? (B of A)
Replies: 12
Views: 1638

Re: Time to Move Vanguard MM Funds to Local Bank? (B of A)

Two days ago I moved ~9 months of usual expenses from my liquid Vanguard Prime Money Market fund in to my credit union, by way of a small ladder of CDs as well as in to my savings and my checking accounts. This left another 9 months of expenses still liquid at Vanguard. Nothing radical, I'm just see...
by AerialP
Fri Feb 28, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: Now may be a good time to focus on your other interests
Replies: 23
Views: 1805

Re: Now may be a good time to focus on your other interests

YES. I have been taking long walks each day this week and my mental state is remarkably tranquil despite peeking at headlines. Stay the course - carry on.
by AerialP
Mon Feb 10, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Need software to convert pic --> avatar
Replies: 16
Views: 1033

Re: Need software to convert pic --> avatar

jebmke wrote:
Mon Feb 10, 2020 9:21 am
I use Irfanview for resizing images in Windows. Has been around for a long time.
+1 for Irfanview. A very excellent free light-on-system-resources raster utility. Been using it personally and professionally for almost 20 years now.
by AerialP
Tue Jan 28, 2020 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: New to NYC, ideas where to live just outside the city
Replies: 10
Views: 1064

Re: New to NYC, ideas where to live just outside the city

Also consider the river towns, Hastings , Dobbs Ferry, Irvington, Tarrytown, Ossining, Croton etc.. Hard to explain, but I value the river views highly.. I would never see myself moving to a place without a view, regardless of how great it is on paper :-) Yes! In the past several months I spent a w...
by AerialP
Thu Jan 23, 2020 8:27 pm
Forum: US Chapters
Topic: Vermont/New Hampshire Bogleheads?
Replies: 12
Views: 2147

Re: Vermont/New Hampshire Bogleheads?

I've been considering my second home, in preparation for a more permanent move, in the White River Junction / Lebanon / Hanover area. If it happens in the next year or two, as I've been planning, I'd be interested in participating in a meetup.
by AerialP
Wed Jan 22, 2020 7:53 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27490

Re: Sad news: LadyGeek's husband has passed

May peace be with him, may peace be with you, and may peace be with your families. Thank you for sharing.
by AerialP
Thu Jan 16, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: IN MEMORY OF JOHN C. BOGLE
Replies: 29
Views: 3057

Re: IN MEMORY OF JOHN C. BOGLE

Beyond his institutional and inspirational impacts on my current ever-blossoming personal finance situation, I am grateful to have had the opportunity to meet him at a Bogleheads gathering. Although it was a very brief dialogue at the book signing table, his genuine warmth and kindness were clearly ...
by AerialP
Thu Jan 16, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Montenegro?
Replies: 6
Views: 861

Re: Anyone been to Montenegro?

May I just say, am totally looking forward to your next cycling travel report! I eat them up, savoring the descriptive narratives. Most definitely if it is of Montenegro, but anywhere will do.
by AerialP
Tue Jan 07, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7821

Re: travel from the U.S. to Europe given geo-political tensions?

quantAndHold wrote:
Tue Jan 07, 2020 9:07 pm
Nearly all of us are more at risk from bad diets and car accidents than anything related to the current geopolitical situation.
+1

Absolutely. Selective squeamishness is rampant.
by AerialP
Sat Dec 28, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: How to get cash from 100lbs of coin change?
Replies: 33
Views: 2967

Re: How to get cash from 100lbs of coin change?

YES do a once-over for the silver coinage. Then go to the main branch of your local credit union and they likely have a free machine to redeem the rest into bills or a deposit.
by AerialP
Sat Dec 14, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2621

Re: Need high speed scanner for diverse documents

Add me to those who recommend the ScanSnap line. My further suggestion: a standardized naming convention which begins with YYYYMMDD_ to reflect the date of the original scanned document, and using underscores/dashes instead of spaces. For example: "20191003_Vanguard_401k_quarterlystatement.pdf". Thi...
by AerialP
Tue Nov 05, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Best pricing for multi-city flights in ANY order?
Replies: 8
Views: 718

Re: Best pricing for multi-city flights in ANY order?

Yes indeed, heavily weigh taking the superb rail in Europe. Investigate www.raileurope.com in advance - you may have to use placeholder dates to replicate the days of the week you anticipate, rather than the actual dates, if you are researching more than a couple of months into the future. Stations ...
by AerialP
Mon Oct 28, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1894

Re: Hotel "incidentals" credit card precharge?

I am a "roadwarrior" across North America and spread my stays almost exclusively among three major hotel families/programs: Hilton Honors, IHG (Holiday Inns, etc), and Bonvoy (Marriott/SPG). This incidentals pre-charge, which floats on my credit card as "pending" until check-out, is very standard pr...
by AerialP
Mon Oct 28, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Favorite brand of tofu?
Replies: 7
Views: 780

Re: Favorite brand of tofu?

by AerialP
Sat Oct 12, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Want to stop renting optimum modem.
Replies: 21
Views: 1925

Re: Want to stop renting optimum modem.

In my case, I bought the identical model as the one provided by my ISP but bought it as a refurb from Amazon. Returned the rental one in person to the local ISP office and activating the new one was quite simple, just took a phone call but I think there was an online activation option as well (altho...
by AerialP
Wed Sep 11, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1911

Re: Bike head/rear lights

+1 on the Planet Bike suggestion, and adding a suggestion to check out what's on sale/clearance via REI. Lights are now very compact, very bright, have several intensity/blinking choices, pretty low priced, and most all are rechargeable usually via USB connection. One good light forward and one good...
by AerialP
Sun Sep 01, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Most economical way to move small load 1000 miles
Replies: 40
Views: 3569

Re: Most economical way to move small load 1000 miles

I like all of the above suggestions, and would add that you might consider www.roadie.com to see what they estimate for cost-and-time.
by AerialP
Thu Aug 22, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Want to create a simple iPhone app for personal use - can I do it: cheaply, with little to no coding, etc?
Replies: 10
Views: 1036

Re: Want to create a simple iPhone app for personal use - can I do it: cheaply, with little to no coding, etc?

synthfan23 wrote:
Thu Aug 22, 2019 7:26 am

B) It's the automation scripting language ESRI uses for ArcGIS (not that I use ESRI products these days; I'm a QGIS / GRASS Man)
Amen to, for, and about QGIS.
by AerialP
Sat Aug 17, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: "Friends Life Care" [senior living assistance in PA & DE]
Replies: 3
Views: 701

Re: "Friends Life Care" [senior living assistance in PA & DE]

This is very interesting to me. Friends (a.k.a. "Quakers") organizations, which were the originators of this entity per their website's History page, have centuries of prudent caring holistic engagement in their communities. To know that they are involved in eldercare in that capacity is warming.
by AerialP
Mon Aug 12, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 3077

Re: Why household batteries have picture of no trash disposal on them?

Batteries + Bulbs, a national chain in the U.S., recycles batteries of all kinds.
by AerialP
Sun Aug 11, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: best gadget for juicing ginger root?
Replies: 5
Views: 603

Re: best gadget for juicing ginger root?

I used to use a centrifugal juicer and would often throw a chunk of ginger root in mid-session to add that nice tingly kick to whatever melange I was improvising on any given day. But I've not been juicing much at all in recent years and the cleanup of the centrifugal type is a bummer. A few weeks a...
by AerialP
Sun Aug 11, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Has anyone dealt with Anxiety at work?
Replies: 13
Views: 1498

Re: Has anyone dealt with Anxiety at work?

I don't believe this is a topic ripe for an immediate lock because in my experience, and anecdotally from many many peoples' experience, there is much anxiety from work due to economic pressures. Ye Olde "Golden Handcuffs" come to mind. The need for sticking with a job which you find unfulfilling in...
by AerialP
Mon Aug 05, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: "4 Financial Worries to Cross Off Your List"
Replies: 21
Views: 4704

Re: "4 Financial Worries to Cross Off Your List"

A terse and good read - thank you sir for bringing it to my (and our) attention!
by AerialP
Sun Aug 04, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Using Damprid with metal objects
Replies: 8
Views: 1053

Re: Using Damprid with metal objects

Perhaps investigate the appropriateness of a "Goldenrod" for your needs. Intended for usage within gun safes, which likely seal more tightly than your closet when closed, but it could do the trick under the right circumstances. They are specifically designed to provide a measure of constant dehumidi...
by AerialP
Fri Jul 26, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Where should I bank for an account only meant for expenses?
Replies: 10
Views: 851

Re: Where should I bank for an account only meant for expenses?

Pursue the offerings at your local credit unions. High interest rate with no minimums will be hard to come by, but I reckon you'll like working with a credit union for lack of fees, easy automatic bill pay, and large ATM networks including some exposure to overseas access.
by AerialP
Sun Jun 09, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 21962

Re: Paying for rent is throwing away money...myth?

Erwin007 wrote:
Sat Jun 08, 2019 9:38 pm
Rent is the ceiling of what you will pay for housing per month.

With buying, the mortgage/PMI payment is just the floor...
What a succinct and elegant way to conceive of the comparison. Thank you!
by AerialP
Thu Jun 06, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Best place to get a mortgage these days?
Replies: 7
Views: 1440

Re: Best place to get a mortgage these days?

There is no one-size-fits-all answer because there are so many dynamics to consider, and even with one particular property vs another.
But for me, I'd defer to a local credit union unless there is something obvious right off the bat for me to consider elsewhere. But that's just me.
by AerialP
Fri May 31, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: How to remove minor scratches from Manufactured Hardwood floors:
Replies: 10
Views: 1218

Re: How to remove minor scratches from Manufactured Hardwood floors:

Try rubbling a walnut kernel on the scratch. Seriously. When I worked a job moving furniture, we kept a small bag of walnuts in the cab of the truck and if we unfortunately scratched a hardwood floor during our moving process (ahem upright pianos ahem), in almost every case it did the trick with its...
by AerialP
Tue May 28, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: "Six Personal Finance Hacks..." article (pardon the hackneyed use of hack)
Replies: 3
Views: 1449

"Six Personal Finance Hacks..." article (pardon the hackneyed use of hack)

I found this brief opinion piece on MarketWatch to be quite pertinent and cogent, and thought Bogleheads would enjoy reading it and perhaps sharing it within their own personal circles.

https://www.marketwatch.com/story/six-p ... 2019-05-28
by AerialP
Sun May 26, 2019 5:32 am
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [journal added]
Replies: 52
Views: 5343

Re: 3 Alpine passes in 3 days by bicycle

Having eased away from the board a bit since my investing is comfortably on auto-pilot, I'd not read one of your travelogues in a few years, Raybo, but am reminded of just how engaging are not only your adventures but also your writing of them. Thank you! Per the wackadoodle gun question, looking at...
by AerialP
Mon May 20, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Lively HSA: "no activity... acct will be closed..."
Replies: 8
Views: 1179

Re: Lively HSA: "no activity... acct will be closed..."

Angst wrote:
Mon May 20, 2019 7:16 pm
I do like Lively. Their response was prompt, polite and didn't appear canned, and I'd forgotten how nicely laid out their website is.
:thumbsup
I've been enjoying my choice to go with them about 18 months ago.
by AerialP
Tue May 14, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing (Redeeming)Savings Bonds?
Replies: 12
Views: 1157

Re: Cashing (Redeeming)Savings Bonds?

Two weeks ago I redeemed a few I-series & EE-series from several years back. It was so very easy. I did look online, with the resources listed above, to see their value before going to redeem them, and it matched to the penny what the clerk tallied as their value. I used my credit union for the rede...
by AerialP
Tue May 07, 2019 3:48 pm
Forum: Personal Investments
Topic: VMMXX [Vanguard Prime Money Market] as cash
Replies: 43
Views: 7220

Re: VMMXX as cash

I consider the Vanguard Prime Money Market Fund (VMMXX) to be cash. I parse my asset allocation into three categories: equities, bonds, and cash. This fund is very liquid to me within a day or two and has checkwriting capability so it greatly satisfies me as ready cash in my taxable portfolio. I als...
by AerialP
Sun Apr 14, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 5374

Re: Where To Get New Bikes

Depending on your location, if it is relatively convenient I would suggest also considering a visit to an REI store (https://www.rei.com/) to see what they may have to offer you in your research. They strike a good balance between LBS & big-box.
by AerialP
Sun Apr 07, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 149
Views: 24260

Re: Trader Joe's Fans - good value?

Hilarious that the previous two comment authors were Trader Joe & an Albertson.
by AerialP
Wed Feb 27, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Luxury vacation towns ??
Replies: 51
Views: 4563

Re: Luxury vacation towns ??

*ahem* Charlevoix MI *ahem*
by AerialP
Thu Feb 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: How to make a good, accurate map of a small village
Replies: 17
Views: 1648

Re: How to make a good, accurate map of a small village

Take a look at openstreetmap.org. It's a crowd-sourced mapping project covering the whole world. Start from what's there and add the details of your village. The map editor runs in your web browser. Yes yes, give openstreetmap dot org a whirl. They have several kinds of interfaces with aerial image...
by AerialP
Tue Jan 29, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Max out retirment funds before saving for kid's college?
Replies: 54
Views: 2708

Re: Max out retirment funds before saving for kid's college?

One quick-&-dirty rule of thumb I've read several times here is "you can get a loan for college but not for retirement". Not necessarily a one-size-fits-all guidance, but something to mull. (Edit: as soon as I posted this I saw that someone else beat me to it! I'm leaving mine up here because the fa...
by AerialP
Wed Jan 23, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 65
Views: 3651

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

Yes, strongly consider Google Fi. Everyone I've known to migrate to them has been tickled with every aspect.
by AerialP
Thu Jan 17, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 17090

Re: Jack Bogle's Obituary From The Family

Thank you Taylor. My heart continues to alternately ache and swoon since receiving yesterday's sad news.
by AerialP
Wed Jan 16, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 9356

Re: Gillette Mach 3 alternatives

Strange direction this thread has gone in. I just realized, people are actually deciding to boycott Gillette because they released a commercial that offended them :P :P :P Yeah, I thought it was about blades. Oops. I had to google the commercial since I hadn't seen it. Indeed. This thread has repea...
by AerialP
Tue Jan 15, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 9356

Re: Gillette Mach 3 alternatives

My criteria for most all consumer goods revolve around price-point balanced with performance. Marketing hype is pretty much always to be ignored. In the specific case of shaving, the race over the decades towards more and more blades has been so silly and superfluous to me. I settled on rechargeable...