Search found 671 matches

by eucalyptus
Sun Apr 26, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What to do about remodeling project?
Replies: 13
Views: 1409

Re: What to do about remodeling project?

Remodel of 100 year old house starts June 1. Renegotiating cost not really possible because our builder has a backlog - we’ve waited a year for him to start. The situation raises other concerns though. What to do about workers possibly bringing the virus into your home, for example. (We’ll be living...
by eucalyptus
Sun Apr 19, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6846

Re: Neiman Marcus to file for bankruptcy

April 18 discussion of analyst report on retailer condition:

https://www.marketwatch.com/story/nords ... 2020-04-13
by eucalyptus
Tue Mar 31, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55515

Re: How to get Toilet Paper ? seriously.

Grabbed a couple of extra 30 packs at Costco. I hope everyone understands that there is plenty of toilet paper in the country but it is in peoples' homes. If the hoarding would stop, this would not be a problem. You are way too kind IMO. The grocery stores' inexplicable and inexcusable delay in imp...
by eucalyptus
Tue Mar 10, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 10205

Re: Are any early accumulators thankful for the current correction?

We were going to use some of our cash to keep all of our employees through any recession. But the folks here who are excited (another thread) or thankful for the unfolding economic distress have convinced me to keep all of our cash and start laying off employees. Start with the new guys? What do you...
by eucalyptus
Wed Feb 05, 2020 6:31 pm
Forum: Investing - Theory, News & General
Topic: Venture Capital and Boglehead Principles
Replies: 9
Views: 528

Re: Venture Capital and Boglehead Principles

Are you saying that the venture capital business seems to be based on assumptions inconsistent with the "no one knows nothing" (no one can beat the market consistently) assumptions of "Bogleheads?" The position of a VC vis a vis its investments is just so different from that of a retail/consumer equ...
by eucalyptus
Wed Feb 05, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11277

Re: Would you drive without a spare tire?

The Audi Q7 comes with Audi's warmest wishes and a fancy can of "fix-a-flat." Hard to fix a tire with, for example, a torn sidewall. Inconvenient to wait for AAA or Audi Roadside if you're in the middle of nowhere or it's a busy time or late at night. I bought a spare rim and tire and throw it in th...
by eucalyptus
Thu Jan 16, 2020 7:57 am
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8472

Re: VG Monthly Statements Are HORRIBLE!

OP is exactly right. We write a check for, say, $3,000. Activity for the account shows a debit of $2,437 with a note that says something like “red alt account.” No other account shows activity in an amount equal to the balance of the $3,000. It doesn’t matter whether you get this rubbish in statemen...
by eucalyptus
Thu Jan 09, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Good car shipping service?
Replies: 16
Views: 1524

Re: Good car shipping service?

OldBallCoach is right - so, another vote for Reliable. I used them as recently as a week ago and they were excellent.

I've also used Horseless Carriage, mentioned above.

I'd avoid a broker.

The mid-January auctions may tie up the best carriers for a little while.
by eucalyptus
Wed Jan 08, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7782

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

Don't go. Europe is more dangerous than a gang district in Rio, more dangerous than Iraq. I know, I live in Switzerland. It's about survival everyday. Terribly sorry to hear this. We are preparing a massive airlift of our excellent politicians to help you make this right! Please feel free to keep t...
by eucalyptus
Mon Dec 23, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 15883

Re: yet another reason not to get a smart phone

The best you can do is take what precautions you can simply take and hope for the best. Otherwise, as a 19 year old advised me when I was in my thirties and still listening to sixties rock and roll. you have to stay contemporary....or else you start growing moss. This is where we disagree. There's ...
by eucalyptus
Sun Dec 22, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 15883

Re: yet another reason not to get a smart phone

JoeRetire wrote:
Sun Dec 22, 2019 4:36 pm

No need to be passive. What does "active" mean for you? Something off the grid?
Anything one can do. Support, EPIC, EFF, the ACLU, anyone working for privacy. Vote accordingly.

Some US jurisdictions have banned facial recognition cameras.

Anything is a start.
by eucalyptus
Sun Dec 22, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 15883

Re: yet another reason not to get a smart phone

The tinfoil hat crowd now includes many academics, politicians and others around the world. Read "Surveillance Capitalism," or "World without Mind," or any of hundreds of recent books. Learn what's going on. Some of you are arguing that since I'm already being tracked, I should accept it. Why? Some ...
by eucalyptus
Sat Dec 07, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

As an unaided surviving spouse who had little problem working with Vanguard, I might take exception. And yes, I'm not an ill 82-year-old, but I can assure you there was never a day I received 10 letters from Vanguard. We were joint owners of three brokerage accounts, plus there was his 401k to be r...
by eucalyptus
Fri Dec 06, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

IMO Vanguard is far too remote and difficult to deal with. My current plan would be to consolidate at Fidelity, which at least has an office close to our home. Having dealt with Vanguard twice with surviving spouses/heirs, I will disagree with you. Very easy to deal with. Glad to hear it. Now, imag...
by eucalyptus
Wed Dec 04, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

The surviving spouse faces challenges even if the deceased spouse tries to address these issues. My father did everything he could to make things easy for my mother and she nonetheless was treated like a stranger by her bank and funds (Vanguard, TRP and TIAA). TRP was the worst. I'd imagine many sur...
by eucalyptus
Fri Nov 15, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

itsgot8 wrote:
Fri Nov 15, 2019 8:38 am
Eucalyptus,
Have you ever sold a car on eBay? If so, I'd like to hear a comparison between selling cars on the two sites.
I’ve purchased but never sold on eBay. Sorry I can’t help.
by eucalyptus
Thu Nov 14, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

The traditional auction houses have previously missed fraudulent examples and then refused to take responsibility. For example: https://www.thesamba.com/vw/forum/viewtopic.php?t=694683 Physical mailings are a 20th century concept. You can post videos through BAT. Again, I think the in-person thing ...
by eucalyptus
Wed Nov 13, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

I subscribe to and really enjoy BAT's... BAT can be pretty addicting . BAT has received favorable publicity from... The site's founder has been quoted as an expert on auto market trends... For only $350, ...take a couple hundred beautiful photos of your car... Buyers pay a 5% commission - a bargain...
by eucalyptus
Wed Nov 13, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

However, they are far better than traditional classic car auctions (Hagerty/Mechum) and have a nice price range from under $5k to big $$$. I disagree. Let's pick one - Gooding & Co. When you consign with Gooding, you get David Gooding and a staff of experts who in turn know most of the marque exper...
by eucalyptus
Wed Nov 13, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

I know lots of people who follow BAT, and everyone of them is very aware of the 2 minute anti sniping thing. I've bid, but never won. When I get ready to bid, I make sure my computer time is synched. When I'm looking at a listing, I will occasionally get a message to confirm that my time is synched...
by eucalyptus
Wed Nov 13, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Re: Bring A Trailer (car auction website)

Not an advertisement at all. I have no affiliation with BAT. It's being recommended here, and has some pitfalls that are not immediately evident. I wrote the post to help bogleheads who may consider the site for car sales or purchases. I actually was very careful, given my bad experience, not to mak...
by eucalyptus
Wed Nov 13, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 2241

Bring A Trailer (car auction website)

bringatrailer.com, the online auto auction site, has been mentioned here several times recently. If you haven't heard of it, BAT lists the kinds of vintage, classic and otherwise special cars likely to be of interest to enthusiasts - from Mercedes station wagons to Honda S2000s to Ferraris. I subscr...
by eucalyptus
Fri Nov 08, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 32
Views: 4064

Re: Amazon delivery

Toons wrote:
Fri Nov 08, 2019 11:33 am
3 Words
Obsessive Customer Focus
:mrgreen:
More words: it’s amazing what you can accomplish with the money you save by not paying taxes.
by eucalyptus
Tue Nov 05, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3713

Re: VPNs

What are you trying to accomplish by using a VPN? Anything I can do to thwart data collection. ExpressVPN. I definitely recommend reading and understanding the information on this page: https://www.privacytools.io/providers/vpn/ Quoting part of that page: “Using a VPN will not keep your browsing ha...
by eucalyptus
Mon Nov 04, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Porsche aficionado question
Replies: 9
Views: 929

Re: Porsche aficionado question

Jack FFR1846 wrote:
Mon Nov 04, 2019 2:58 pm
Plenty of well built Miatas out there.
Definitely. Fun, better for learning, safer and vastly cheaper to repair should you experience sudden-onset talent-deficit disorder.
by eucalyptus
Mon Nov 04, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Porsche aficionado question
Replies: 9
Views: 929

Re: Porsche aficionado question

Not sure what you have in mind when you say "extreme." On the street, at legal speeds, they're not the most luxurious choices, though they can be loaded with creature comforts. Their looks certainly can be fairly described as extreme - those giant wings aren't exactly subtle. On the track, they are ...
by eucalyptus
Fri Nov 01, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3713

Re: VPNs

ARoseByAnyOtherName wrote:
Wed Oct 30, 2019 6:16 am
What are you trying to accomplish by using a VPN?
Anything I can do to thwart data collection.

ExpressVPN.
by eucalyptus
Thu Oct 31, 2019 5:54 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10418

Re: How much do you plan to spend on your children's weddings?

OP - if you haven’t already given up on this thread - IMO you are a kind and generous parent. Wedding costs can be shocking: you may have charges for save the date notes; invitations; the dress (not for you!); professional planner; the venue; gifts for wedding party members; food; alcohol; flowers; ...
by eucalyptus
Mon Oct 21, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Isn't lack of transparency in China a huge risk for international stock index?
Replies: 133
Views: 14166

Re: Isn't lack of transparency in China a huge risk for international stock index?

There are many risk and other issues associated with investment in China. One might want to read John Lanchester’s article in the October 10 London Review of Books, for example.
by eucalyptus
Tue Oct 08, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: How do I know if I really need a french drain in my basement or if The companies are just trying to make a sale?
Replies: 10
Views: 2011

Re: How do I know if I really need a french drain in my basement or if The companies are just trying to make a sale?

A vapor barrier doesn't really fix anything, it just treats the symptoms. A dehumidifier can be very useful; it may be incorporated into an air handler (ie as part of your HVAC system). One downside of a dehumidifier is that it cam generate a lot of heat. A sump pump IMO is a really good thing to ha...
by eucalyptus
Tue Oct 08, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Multiple Large Home Improvement Project Estimates
Replies: 11
Views: 1848

Re: Multiple Large Home Improvement Project Estimates

Here's what we've learned from our building and remodeling experiences, fwiw: sure, get multiple estimates. Get all the estimates you want. Then, hire the best general contractor, without regard to cost . How do you find the best? Ask around. In most communities, there will be one or two who have be...
by eucalyptus
Mon Oct 07, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 8585

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

I’m against investors jumping onto the bandwagon of assuming their own cognitive decline at some given age, readily yielding to the often self-interested suggestions of advisors and relatives that they yield control of assets, or any of that. The solipsistic idea that “I don’t see any evidence of m...
by eucalyptus
Mon Oct 07, 2019 6:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Impersonal Advisor Service
Replies: 23
Views: 3802

Re: Vanguard's Impersonal Advisor Service

To me, that rationale is for my spouse to do AFTER I die. My instructions are to call Vanguard and get a meeting with the financial planner to discuss the portfolio, and whether PAS makes sense or simply touching base yearly to discuss which assets should be sold to pay living expenses IF the annua...
by eucalyptus
Thu Oct 03, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 8585

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

There is no doubt that cognitive ability for many elders declines over the years. That said, the absolute level of ability is to perform a task is important. I don’t walk as quickly as I used to either, but I can still walk. Also, I like to see the “overconfidence” numbers for ages 25 to 60. Thinki...
by eucalyptus
Wed Oct 02, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 10693

Re: Who has had a pool?

Have lived with in-ground pools since I was a boy. One of my earliest responsibilities was netting leaves out of our pool, though what I really wanted to do was handle the amazing, smoking acid that needed to be added occasionally. Have also built pools - the person who cautioned about landscape cos...
by eucalyptus
Sat Sep 21, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Underground propane tank for fuel for generator for power to house
Replies: 27
Views: 1560

Re: Underground propane tank for fuel for generator for power to house

Had a partial house generator with a 1000 gallon tank.
You want a big tank to keep your generator running for more than a couple days.
by eucalyptus
Sat Sep 14, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7034

Re: Vanguard is Falling Behind Compared to Fidelity

Fidelity gets all of our new money. One huge advantage: they have an office a mile from our home.

When my father recently passed away, Vanguard PAS fired my mother as a client and handed her a bill. Not much more I need to know about Vanguard’s customer service.
by eucalyptus
Wed Sep 11, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 5059

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Thank you for all of your kind expressions of sympathy, generous words of advice and shared stories. I read many of your stories to my mother, who now understands that her situation is not at all unusual. There is a tremendous wealth of experience and wisdom in your posts. To answer a few questions:...
by eucalyptus
Tue Sep 10, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 5059

[Frustrated with Vanguard advisory service] Procedures on Death of a Spouse

My parents, longtime Flagship clients, began using Vanguard's advisory service after my father became unable to manage their finances. My father, an engineer with a deep background in math, was a meticulous investor who Monte Carloed (and whatever else you do) with the best of you and wanted only on...
by eucalyptus
Sun Sep 08, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?
Replies: 24
Views: 2540

Re: Elderly Parents have 3 day layover in Fort Lauderdale. What to do?

I personally would go to Miami. But consider sending them to Palm Beach, to stay at The Chesterfield or, if budget permits, The Breakers. The former is within walking distance of many nice restaurants, the beach and Worth Avenue's shopping/people watching. I also second the suggestion above about th...
by eucalyptus
Sun Sep 08, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: The most annoying thing about other drivers
Replies: 8
Views: 817

Re: The most annoying thing about other drivers

Use the onramp to get up to speed. The offramp you will miss unless you dive across 4 lanes is not the last offramp you will ever encounter. Related to the foregoing, try not to be unpredictable - for example, start to pull out onto the street then slam on your brakes. In some states, thankfully, it...
by eucalyptus
Fri Aug 02, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12827

Re: Insane to buy a sports car?

Jack FFR1846 wrote:
Fri Aug 02, 2019 2:17 pm
Get a manual, not a flappy paddle, fat American couch cruiser.

Because modern race cars have manual transmissions. :?
by eucalyptus
Fri Aug 02, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12827

Re: Insane to buy a sports car?

misterg wrote:
Fri Aug 02, 2019 12:21 pm
I think I’ve come to peace with the fact that no one will appreciate the car as much as I will
Not true my friend. A lot of us are right there with you. Post photos when you take the plunge. Good luck.
by eucalyptus
Fri Aug 02, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: For the Porsche fans "50 years of Porsche 917"
Replies: 2
Views: 527

Re: For the Porsche fans "50 years of Porsche 917"

Great post. Beautiful, stunningly fast cars. And not a shabby cast of drivers. Thanks.
by eucalyptus
Wed Jul 31, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7456

Re: What's your Uber passenger rating?

This thread has been very educational. On the first page of this thread, I expressed reservations about Uber but now know that I'll have a good experience as long as I follow a few guidelines: 1. No short or long trips. 2. No luggage. 3. No kids. 3.1 If I absolutely have to violate 3 and take the a...
by eucalyptus
Wed Jul 31, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7456

Re: What's your Uber passenger rating?

This thread has been very educational. On the first page of this thread, I expressed reservations about Uber but now know that I'll have a good experience as long as I follow a few guidelines: 1. No short or long trips. 2. No luggage. 3. No kids. 3.1 If I absolutely have to violate 3 and take the ac...
by eucalyptus
Tue Jul 30, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7456

Re: What's your Uber passenger rating?

After reading this, I'll stick to cabs. I never liked Uber's silly theory that it's not a cab company anyway. And I've no desire to have to worry about the driver's apparently delicate sensibilities. " Oh, no, did I close the door a little too hard ?" " Did I make the right amount of conversation ?"...