Search found 199 matches

by Valdeselad
Sun Dec 08, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump
Replies: 65
Views: 4909

Re: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump

I think this is a difficult concept for folks because it’s often overlooked. You’re just as invested in relative currency strength as you are in various international equities. A very strong dollar will impact international returns (in US dollar terms which is what you care about). I’d argue you’re ...
by Valdeselad
Sat Sep 14, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1124

Re: Kitchen drawer slide hardware recommendations needed

Thanks all...interesting comments about Blum but having said that they aren’t even an option on cabinetparts.com. Perhaps they choose to only sell direct and it’s not an indication of poor quality.
by Valdeselad
Fri Sep 13, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1124

Re: Kitchen drawer slide hardware recommendations needed

mancich wrote:
Fri Sep 13, 2019 7:02 pm
You may want to check out cabinetparts.com. They seems to have a good selection, with reviews.
Thanks, have looked there. Looking to gather a few personal recommendations.
by Valdeselad
Fri Sep 13, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1124

Kitchen drawer slide hardware recommendations needed

Hi Everyone, We are having trouble with our kitchen drawer(s) slide hardware (I assume this is what it is called). The drawers do not open and close smoothly (never have and they are getting worse). We are looking to purchase new slider hardware for a depth of 22" and I'm looking for those with expe...
by Valdeselad
Mon Jun 03, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1203

Re: Road Trip! Texas to Virginia places to see/visit

South west Virginia has the Natural Bridge, previously owned by Thomas Jefferson, and allegedly still has George Washington's initials on it from when he surveyed it. There are places to pan for gold in the mountains of Virginia. It was actually one of the biggest sources of gold in the US until th...
by Valdeselad
Mon Jun 03, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1203

Re: Road Trip! Texas to Virginia places to see/visit

I've made the trip from Houston to Roanoke a few times. That's pretty direct on interstates 20-59-75-81. But for fun, I've jumped off the interstates and gone on US Rt 11. It pretty much parallels the interstates from Alabama to Virginia. It nice if you just want to see some random off-the-intersta...
by Valdeselad
Mon Jun 03, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1203

Road Trip! Texas to Virginia places to see/visit

Hi Bogleheads - a bit of a different request here, but I am posting here b/c I am constantly amazed at the knowledge of folks on this forum. Rather than fly, we are doing a (long) family drive from SE Texas to SW Virgina. Growing up, we would often take long drives to visit family and friends and I ...
by Valdeselad
Mon May 06, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 6310

Re: point of maximal pessimism for international investing

It’s all about currency strength of the USD since all of your non-US holdings have to be converted back into USD. I’m honestly surprised how much currency impacts seem to stump Bogleheads when they keep asking this question over and over. I’ve said it before but I’ll say it again - when you invest ...
by Valdeselad
Mon May 06, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 6310

Re: point of maximal pessimism for international investing

It’s all about currency strength of the USD since all of your non-US holdings have to be converted back into USD. I’m honestly surprised how much currency impacts seem to stump Bogleheads when they keep asking this question over and over. I’ve said it before but I’ll say it again - when you invest i...
by Valdeselad
Tue Mar 12, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7630

Re: Lawn care schedule

I care about a nice looking lawn and garden, but the amount of chemicals people will throw on their lawns without a second thought is staggering to me. I’ll suggest an alternative that goes a surprisingly long way toward achieving a nice yard: mow your grass high and keep the mower blades sharp. Thi...
by Valdeselad
Sat Mar 02, 2019 7:53 pm
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 19310

Re: Lots of cash .. Scared to put it to work now

Bonds are far more expensive than stocks right now. Perhaps take a step back and consider if you’re more worried about volatility rather than valuation...
by Valdeselad
Fri Jan 11, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 2212

Re: NYC restaurant hidden gems?

I just wanted to say thank you for everyone’s ideas and suggestions. Lots of great stuff to try! And just to clarify, I’m not opposed to cabbing it to try a spot. I was just trying to define the area somewhat so that if an evening walk was possible I could enjoy that. Thanks again!
by Valdeselad
Wed Jan 09, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 2212

Re: NYC restaurant hidden gems?

dustinst22 wrote:
Wed Jan 09, 2019 6:25 pm
If you like Asian food, highly recommend Buddakan. Little over a mile from that area.
Thanks for the recommendation!
by Valdeselad
Wed Jan 09, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 2212

NYC restaurant hidden gems?

Hi All,

Soon to be visiting NYC Manhattan and wondering if any folks here knew of any “hidden gem” restaurants in the city? Will be staying on the west side near 8th and 40th but up for anything within a 20 minute walk.

Thanks for any tips!
by Valdeselad
Thu Jul 26, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7525

Re: Home Theater vs. Soundbar

If you already own speakers, consider the NAD 3020 amplifier. I use this with optical audio from the TV and a pair of small NHT superzero speakers. The sound is impressive for a small system. It’s easy to play bluetooth audio as well. @dandinsac - I am leaning towards this type of solution, at leas...
by Valdeselad
Thu Jul 26, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7525

Re: Home Theater vs. Soundbar

OP, I went through a similar situation. Had very good components but wanted to integrate the system just as you've described. My solution was with Sonos. Here's the linchpin, they have an item (Connect/Amp) that will use your existing speakers including sub-woofer. I think the lack of sub-woofer wi...
by Valdeselad
Wed Jul 25, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7525

Re: Home Theater vs. Soundbar

Calling all Boglehead audiophiles... I have reached an unexpected dilemma as I develop an upgrade plan for our home theater. I have always always appreciated and valued great sound, and as such over the years I have built and maintained a home audio component system consisting of the usual suspects...
by Valdeselad
Wed Jul 25, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7525

Re: Home Theater vs. Soundbar

Great feedback so far. I should also mention the landscape for peripherals has also evolved. 15 years ago, I had many components (DVD, gaming systems, cable box, etc) and switching them through the receiver made life easy. So you got the sound and simplicity in one. But now, streaming is king so we ...
by Valdeselad
Wed Jul 25, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 7525

Home Theater vs. Soundbar

Calling all Boglehead audiophiles... I have reached an unexpected dilemma as I develop an upgrade plan for our home theater. I have always always appreciated and valued great sound, and as such over the years I have built and maintained a home audio component system consisting of the usual suspects:...
by Valdeselad
Fri Jul 13, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 2141

Re: Crock Pot Recipes

Lamb stew, Persian 1 lamb shoulder (4 to 5 pounds) Kosher salt and freshly ground pepper 2 tablespoons extra-virgin olive oil 2 large onions, finely chopped 2 large carrots, finely chopped 2 celery stalks, finely chopped 1 teaspoon dried dill 1 head garlic, cloves separated and peeled 3 thyme sprig...
by Valdeselad
Tue Jul 10, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 2141

Re: Crock Pot Recipes

Hands down my favorite slow cooker cookbook: 'Slow Cooker: The Best Cookbook Ever' More than 400 Easy-to-Make Recipes by Diane Phillips ISBN: 978-0-8118-6657-6 My daughter gave it to me for Christmas a few years back and every recipe I have tried has been a winner. One of my favorites is Tarragon C...
by Valdeselad
Tue Jul 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 2141

Crock Pot Recipes

Hi everyone,

With both parents working and kids in school, utilizing the slow cooker and coming home to dinner that is basically done is very appealing. So I thought I would turn to the Boglehead community to ask: What are your favorite slow cooker meals?

Thank you!
by Valdeselad
Sat Apr 21, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 3940

Re: Mowing with a ZTR - sharpening blades

That looks like a perfect sized mower for your 3 acres. I'd run it up on some cheap auto ramps and buzz the blades off with an air impact wrench--mine is a JD 997 ztrak and that works great. I lay a 2x4 across the garage door opening so the ramps don't slide forward as the mower goes up plus some 2...
by Valdeselad
Fri Apr 20, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 3940

Re: Mowing with a ZTR - sharpening blades

Ron wrote:
Fri Apr 20, 2018 9:07 pm
This is the one I use for my JD:

https://www.northerntool.com/shop/tools ... _200422360

- Ron
Yes, this great! Thank you! There is a heavy duty one (750 lb capacity) which should work great.
by Valdeselad
Fri Apr 20, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 3940

Re: Mowing with a ZTR - sharpening blades

Random question for the yard experts here. I own a John Deere z920 that I use to mow nearly 3 acres. It does a great job and I’d like to be able to keep the blades nice and sharp (they can and do dull over time). Unfortunately this is a big heavy mower with a 60” deck that I have no way to transpor...
by Valdeselad
Fri Apr 20, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 3940

Mowing with a ZTR - sharpening blades

Random question for the yard experts here. I own a John Deere z920 that I use to mow nearly 3 acres. It does a great job and I’d like to be able to keep the blades nice and sharp (they can and do dull over time). Unfortunately this is a big heavy mower with a 60” deck that I have no way to transport...
by Valdeselad
Tue Apr 17, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 12627

Re: Termination of transfers from SPG and Marriott to airlines?

I have the spg AMEX and it's been a good all-purpose card for nearly 2 years. However, my annual fee ($95) is due to hit on Friday and AMEX does not seem interested in offering any loyalty or retention bonuses at this time. Given the changes that have been announced and the relative devaluation of ...
by Valdeselad
Tue Apr 17, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 12627

Re: Termination of transfers from SPG and Marriott to airlines?

I have the spg AMEX and it's been a good all-purpose card for nearly 2 years. However, my annual fee ($95) is due to hit on Friday and AMEX does not seem interested in offering any loyalty or retention bonuses at this time. Given the changes that have been announced and the relative devaluation of m...
by Valdeselad
Thu Mar 29, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 21
Views: 4952

Re: Redesigned 2019 Forester - details now available

Have always wanted to be a fan and owner of a Subaru, but the fact that their interiors (electronics, user interface, etc) seem at least a decade behind the competition has been a consistent disappointment.
by Valdeselad
Tue Mar 20, 2018 8:18 pm
Forum: Personal Investments
Topic: Impending market correction
Replies: 28
Views: 2432

Re: Impending market correction

Bonds are more expensive than stocks, so which correction are you referring to?
by Valdeselad
Fri Mar 09, 2018 3:11 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 38817

Re: Why International again?

Also keep in mind that your returns will be highly influenced by the relative strength (or weakness) of the USD. By investing in international, you are just as exposed to currrency movements as you are to the performance of the underlying companies.
by Valdeselad
Tue Nov 14, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 5535

Re: Favorite Holiday Recipes

This is a great thread, thanks for posting.

I’d be interested to learn of side dishes for thanksgiving that are unique to your families but are hits. There is only so much green bean casserole you can make...
by Valdeselad
Sat Aug 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 2701

Re: Lawn Experts Help! How to get rid of this weed?

Rather than immediately putting down weed killer, I'll offer an alternative. If you are in Houston, odds are you have st Augustine grass in your yard. Many homeowners with this type of grass cut their lawns too low which allow weeds to germinate and spread. With st Augustine, a proper cutting height...
by Valdeselad
Tue May 02, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Giving a Talk on Personal Finance & Investing - Advice?
Replies: 41
Views: 4079

Re: Giving a Talk on Personal Finance & Investing - Advice?

[*] Compound interest can move mountains (or put you in a mountain of debt). I'm sure they can do the math, but the results are still surprising. Why to save early/often and aggressively pay down debt I might present some different perspectives on debt -- for instance CC debt that carries significa...
by Valdeselad
Mon May 01, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4967

Re: Kamado grill

Anyone willing to share some of their favorite recipes?

:beer
by Valdeselad
Wed Mar 01, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 12187

Re: Gardening 2016

Not sure if there will be a new thread for 2017, but with the warm weather in Texas we are already getting warm weather crops ready to put in the ground. Cool weather veggies (greens, peas, beets, etc...) struggled this year due to the unusually mild conditions interrupted by a night of abnormally c...
by Valdeselad
Thu Jan 26, 2017 1:05 pm
Forum: Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 2031

Re: 401k Options (25 yr old)

No small-mid cap? And roughly Age-10 for % bonds? Also, are some of these funds more tax efficient than others? I don't understand why tax efficiency is something to look at in the options- I thought that anything in a 401k would be the same tax efficient? (I know I've got a lot to learn!) Thanks a...
by Valdeselad
Thu Jan 26, 2017 12:49 pm
Forum: Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 2031

Re: 401k Options (25 yr old)

At age 25 my suggestion would be 20% bonds with 20 - 30% of stocks in international stocks.The funds I suggest are these: 20% Vanguard Intermediate-Term Bond Index Admiral Fund 0.09% 60% LargeCap S&P 500 Index Separate Account 0.05% 20% Vanguard Developed Markets Index Admiral Fund 0.09% I think @r...
by Valdeselad
Thu Jan 26, 2017 12:10 pm
Forum: Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 2031

Re: 401k Options (25 yr old)

Looks like you have a fantastic plan with many low cost options.
by Valdeselad
Thu Jan 26, 2017 11:56 am
Forum: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 17082

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor!

Your kindness, selflessness and wisdom have inspired a younger generation -- I cannot say thank you enough for your contributions.

You have touched the lives of more people than you will ever know.
by Valdeselad
Thu Apr 28, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 3290

Re: Mosquito control for home

They do not sell the products at home depot or lowes, however you can easily buy them online. I am licensed in Georgia for Mosquito control. The products the "pros" use are: Talstar P Suspend Polyzone Demand CS Nyguard IGR Archer IGR They are all available for sale online, the best thing to do is t...
by Valdeselad
Wed Apr 27, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 3290

Re: Mosquito control for home

I'm trying mosquito dunks this year for the first time....hoping for the best but the first time I put them out we had a huge rain the next day that washed everything away. :oops:
by Valdeselad
Fri Mar 25, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Claming energy credit on my taxes
Replies: 4
Views: 764

Re: Claming energy credit on my taxes

It's unclear to me what exactly qualifies for this credit. In other words, do you need to follow the IRS guidelines to the letter or can you claim something which is clearly a significant energy efficient upgrade but is not explicitly stated. In my case, we bought and installed a new variable speed ...
by Valdeselad
Tue Mar 22, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Iphone SE
Replies: 15
Views: 1406

Re: Iphone SE

The tech specs seem to be similar to 5S which was the closest I considered to buy on Swappa. Design is the same as a 5S...tech specs are on par with the 6S (minus 3d touch) I stand corrected, thank you. I meant that, silly me. So overall, worth it for an almost $ 250 discount for smaller screen? I ...
by Valdeselad
Tue Mar 22, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Iphone SE
Replies: 15
Views: 1406

Re: Iphone SE

tenkuky wrote: The tech specs seem to be similar to 5S which was the closest I considered to buy on Swappa.
Design is the same as a 5S...tech specs are on par with the 6S (minus 3d touch)
by Valdeselad
Fri Mar 18, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6319

Re: Want to buy 2014 Acura TSX - turned in lease

I may look into the ES series of Lexus, you guys have me concerned. I am a "driver". I could be mistaken, but I've always heard the Lexus ES is essentially a glorified (and much more expensive) Camry...not exactly something that would typically get a "driver" excited. GS and IS are probably better ...
by Valdeselad
Fri Mar 18, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 6319

Re: Want to buy 2014 Acura TSX - turned in lease

The last rev of the TSX had uninspiring performance compared to the previous rev and many didn't like the redesigned of the front end. The front end was substantially modified during the MMC for the 2G TSX (2012 I believe). The same issue was also addressed during the MMC for the TL although I thin...
by Valdeselad
Tue Mar 01, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 6995

Re: Mac laptop vs. Windows 7 (or 10) laptop

Seems like a better candidate for a tablet IMO.

Even with the occasional Word/Excel/other task, there are a myriad of Bluetooth keyboards that can be attached and/or connected for a more "laptop-like" experience...
by Valdeselad
Sat Feb 27, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 2397

Re: Any Turbo Tax Deluxe or Premum deals out there?

Penfed.org had a deal ($20 off I think). You do not need to be a member. Link used to be at the bottom of front page unless they moved it recently.
by Valdeselad
Thu Feb 25, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 45
Views: 7400

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

I'd say you are volatility adverse, not risk adverse. The strategy you have proposed will certainly decrease your portfolio volatility, but will introduce significant long-term purchasing power (due to inflation) risk.