Search found 364 matches

by flossy21
Sun Dec 10, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3943

Re: Buying index funds is just as speculative as buying Bitcoin

Maybe...but I'll take the Index Fund investment.

Bitcoin is competing with a currency backed by the US Gov't. The US Gov't has a monopoly on US$. Why would the US Gov't willingly give up it's monopoly in favor of Bitcoin?
by flossy21
Fri Nov 10, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 963

Re: Tankless Water Heaters

Similar to the Hot Water Lobster I have a Chili Pepper appliance installed under the sink in our Master Bath. Basically you push a button and it circulates the water in the hot water line through the cold water line until it senses hot water has arrived. It takes about 1 minute typically for the pro...
by flossy21
Wed Nov 08, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund question - active vs. managed (VBMFX vs. PICYX)
Replies: 16
Views: 863

Bond Fund question - active vs. managed (VBMFX vs. PICYX)

I sit on the Investment Committee for our small company of 25-30 employees. I am one of 3 on the committee including the owner. I would say I am the most knowledgeable of the committee members in terms of general investing knowledge. I would not say I am an expert by any stretch of the imagination. ...
by flossy21
Wed Nov 01, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 3040

Re: Invalid airline ticket, seeking reimbursement

I'd get the press involved. Try something like The New York Times, USA Today or The Wall Street Journal.

As you said the bad press from this is worth much more than the cost to reimburse you for the ticket.

Use that lever on them.
by flossy21
Mon Oct 30, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 1891

Re: Inheritance and Joint account with Siblings

Here's a nightmare scenario to chew on a bit. Joint account among the siblings. One of the siblings dies and their spouse or kid(s) now inherits the account. Now you and other siblings have a non sibling in the mix with not as much of an emotional tie to the money. Suppose said spouse remarries or n...
by flossy21
Thu Oct 05, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1835

Re: Fender bender -- other driver at fault -- what to do?

***update 10/05/2017 3:20 pm Thanks for all the thoughtful replies. The group has certainly been helpful. I spoke to a fellow at my insurance company; Progressive. He connected us both to the claim rep for the at-fault driver on a 3 way call. I explained the situation in very carefully chosen langua...
by flossy21
Thu Oct 05, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1835

Re: Fender bender -- other driver at fault -- what to do?

****Update*** - 10/05/2017 at 9 am I received a call from my insurance company yesterday around 4:30 pm. I returned the call but it was after hours so I left a v/m for the fellow who called me with my claim number and asked him to call me back today. I have not returned the call to the other driver'...
by flossy21
Wed Oct 04, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1835

Re: Fender bender -- other driver at fault -- what to do?

**Update** 10/04/2017 2:30 pm I'm the OP. Thanks for all the thoughtful responses. I really do appreciate the various perspectives on this thing. I have not heard from my insurance company other than an email acknowledgement of the claim I submitted online. I had a voice mail from the at fault drive...
by flossy21
Wed Oct 04, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1835

Fender bender -- other driver at fault -- what to do?

I am going to ask for the collective wisdom of the Bogleheads. My car was parked at my work parking lot this morning in a spot with the nose pointed toward the sidewalk. This is a private parking lot for our building. Apparently another car backed into the rear bumper and pushed my car forward so th...
by flossy21
Tue Sep 26, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1149

Re: DIY gas fire pits. Propane or Natural Gas?

I recently did something similar. I have a 500 gal propane tank buried underground. My patio contractor did the fire pit build and installed the propane fire pit insert. Basically it is a stainless steel cup that is around 30" diameter and 3-4" deep that holds the fire ring which looks like a wagon ...
by flossy21
Mon Sep 25, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 953

Re: Investing in construction equipment rental business

...who is also a good friend. If your friend is overestimating the usage or rental potential then you are left holding the bag on the investment. Also if he does a poor job of maintaining then who pays for the big problems when hydraulics need replaced and the like? How much do you value the friend...
by flossy21
Fri Sep 22, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2592

Re: Phone Techies .....

You can replace the battery yourself for cheap. Check out this site. It sells repair kits for just about every piece of tech you can imagine.

https://www.ifixit.com/
by flossy21
Mon Sep 18, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1459

Re: Super Nintendo Classic edition

What if I told you that you can build your own system for about $50 that will play all Super Nintendo, Gameboy, Sega Genesis and original Nintendo games?

Check out this link -- https://retropie.org.uk/about/building/

You could also buy one from Ebay already built. Search Ebay for "retro pi".
by flossy21
Wed Sep 13, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2252

Re: Herd mentality

It's all well and good until you run into an Enron or a Worldcom and they leave you with nothing after declaring Bankruptcy.

https://en.wikipedia.org/wiki/Enron

https://en.wikipedia.org/wiki/MCI_Inc.
by flossy21
Thu Aug 17, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 34
Views: 2404

Re: ABS light, and OBD II scanners.....

If you go to AutoZone or similar places they often have OBD-II scanners that you can borrow and use right there in the parking lot. Sometimes the parts counter person will even help you do the scan. You'll get a code or several codes and then have to look those up in a book to see what the specific ...
by flossy21
Tue Aug 15, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Family Tree Template?
Replies: 9
Views: 982

Re: Family Tree Template?

Check out Geni.com. It's free and you can allow multiple users to enter info. This is very useful when you and another relative want to work together to research and compile info. Geni also has a paid version that ties back into ancestry.com and other sites. I do not use that but it could be useful ...
by flossy21
Tue Aug 01, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1643

Re: Who's Responsible?

It is your responsibility to file a claim with USPS. It is possible that your package was delivered to your front porch and was stolen. This is very common. In that case neither the sell, Amazon, USPS or you are at fault. It just happens sometimes. I would be thankful that Amazon made me whole on th...
by flossy21
Fri Jul 28, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 11243

Re: Is Amazon Prime worth it?

I'm in the camp that says Prime is worth the price. I ordered a table saw as a Christmas present. It was very very heavy. With Prime I payed $0 for shipping. It would have cost a fortune to ship something that large with that kind of weight. The price I paid was cheaper than Lowes or Home Depot and ...
by flossy21
Wed Jul 26, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: online storage for small community - dropbox? other?
Replies: 6
Views: 438

Re: online storage for small community - dropbox? other?

Similar to what you describe I set up a Google Drive site for our HOA when I was Treasurer. The HOA does have a website but it is a free site through Google sites and contains very little info. There were some links on the web page that pulled files from the Google Drive. We also have a gmail accoun...
by flossy21
Thu Jun 29, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4250

Re: Do you buy phone outright or pay it off monthly...

My wife and I both use our personal phones quite a bit for work so we deduct the phone expenses from our taxes. We also have my MIL on our plan as she is a light data user and really only uses phone on wifi or for text/calls. We do not deduct her portion of the bill. We all 3 have come up for renewa...
by flossy21
Thu Jun 15, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 6793

Re: Curious to odd estate question

Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them. In simplistic terms you simply want to burn the pile of assets that represents your estate so no one benefits from the value of your es...
by flossy21
Thu May 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 47
Views: 2787

Re: Refinishing roughed in stairs - removing carpet

I've remodeled a similar set of stairs. Removed the existing tread and replaced with solid hardwood treads. These are available at Home Depot and other home centers. Cap the risers with matching 1/4" plywood. Finish with several coats of poly. I glued (construction adhesive) and screwed the treads ...
by flossy21
Thu May 18, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 47
Views: 2787

Re: Refinishing roughed in stairs - removing carpet

I've remodeled a similar set of stairs. Removed the existing tread and replaced with solid hardwood treads. These are available at Home Depot and other home centers. Cap the risers with matching 1/4" plywood. Finish with several coats of poly. I glued (construction adhesive) and screwed the treads ...
by flossy21
Mon May 15, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 4353

Re: Homeowner's Insurance & New Roofs

Have you reviewed your policy with respect to the specific language that addresses roof damage due to weather events/hail? I'd start there. You could also hire a home inspector who is independent of any roofing company to do an inspection of the roof and offer a professional, 3rd party, opinion as t...
by flossy21
Fri Mar 17, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 2008

Re: Quiet Bedroom overhead fan

Hi, I cannot recommend a specific brand but I highly recommend you get a DC Motor Fan. These are more expensive but have two big benefits: 1) They are virtually silent. I have no idea (from noise) that my fans are on. The DC Motor is just silent. 2) They are far more powerful. Why is that important...
by flossy21
Fri Mar 17, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 7447

Re: Endless Job Interviews (with same company)

I have been through 4 rounds of interviews with the same potential employer and now they want to set up another interview (with the same people). This tells me that either: a) they are indecisive, b) they have concerns about my qualifications, c) they are stringing me along as a backup until they c...
by flossy21
Thu Mar 16, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 4/14
Replies: 22
Views: 2707

Re: Shingle concerns with relatively new build

Shingles have an adhesive stip of tar like substance that is either on the front or back of each shingle. The idea being that the warmth of the sun will melt this adhesive and bond the overlapping shingles to each other. Here's an article that discusses the issue... https://www.nachi.org/asphalt-com...
by flossy21
Wed Mar 15, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3580

Re: Relocation to Milwaukee

I have a potential job offer in Milwaukee area. While researching, I found the state income taxes are high. Housing is pretty expensive too - about $200/sqft for newer construction. Am currently in a no income tax state. I can expect a 10% raise in base pay. Long term opportunities seem better at t...
by flossy21
Mon Mar 06, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth or Traditional for wife who is not working
Replies: 9
Views: 579

Re: Roth or Traditional for wife who is not working

I am pretty sure an individual must have earned income in the calendar year to fund a Roth. You wife is not earning income and therefore would not be able to fund a Roth.
by flossy21
Fri Feb 24, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 607
Views: 162915

Re: Share your net worth progression

1997 to present. DW (44) and I (46). No kids. Dual income. This includes all accounts, assets (real estate and cars), also outstanding loans and credit cards. 3 fund portfolio -- 40% Domestic stock fund, 25% International stock fund, 35% bond fund. I became a Boglehead in May 2007. http://i13.photob...
by flossy21
Fri Feb 24, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Benefits
Replies: 24
Views: 2039

Re: Hearing Aid Benefits

My brother is a very dedicated public high school teacher, teaching in a low income area. He's also hearing impaired and wears expensive hearing aids. It's time for his hearing aids to be upgraded to stronger units and they are very expensive and not covered by his insurance. Are any of you aware o...
by flossy21
Thu Feb 23, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58621

Re: Quicken's future direction - a cause for concern

I was talking about Payees, not accounts. Quicken had an additional field called Description that showed when you selected a payee. MoneyDance just has the name so if you have multiple payees with the same name, it is hard to distinguish. You can change the payee name at the transaction level in th...
by flossy21
Wed Feb 22, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58621

Re: Quicken's future direction - a cause for concern

I recently (2 weeks ago) downloaded the 60 day trial of MoneyDance. When I imported from Quicken all my balances were messed up. I didn't go much further than that, but it seemed like to pay bills you needed to use a menu option. I can't comment on the bill pay piece because I use my bank for this ...
by flossy21
Mon Feb 20, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3991

Re: Why are HSAs called "triple tax advantaged"?

When I google this topic, there are a lot of basic articles that list 3 "tax advantages". (These basic articles don't mention things like differences regarding SS or medicare, though they are part of the picture.) I'm talking about the 3 "tax advantages" as described in basic ar...
by flossy21
Thu Feb 16, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can hearing aids (medical devices) be a medical expense, as an itemized deduction?
Replies: 4
Views: 421

Re: Can hearing aids (medical devices) be a medical expense, as an itemized deduction?

According to the IRS the answer is yes. You also get to deduct the cost of supplies like batteries. Here's the IRS Publication --> https://www.irs.gov/publications/p502/ar02.html "Hearing Aids You can include in medical expenses the cost of a hearing aid and batteries, repairs, and maintenance ...
by flossy21
Wed Feb 15, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 4530

Re: I want to ditch the cable company's modem

Your ISP should have a list of models that will work. Pick one you like for performance and value. I paid $70 for a refurbished Motorola Surfboard (or something like that) from Amazon, plugged it in and voila. It paid for itself a long time ago. Life is too short to rent modems. I second this recom...
by flossy21
Thu Feb 09, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58621

Re: Quicken's future direction - a cause for concern

The problem is that there is no substitute for Quicken. ...... From time to time I have looked at other solutions like gnucash or moneydance only to find that they do not provide some functionality which I view as essential, such as investment performance reports that aggregate across accounts. Tha...
by flossy21
Wed Feb 08, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58621

Re: Quicken's future direction - a cause for concern

It looks like I may need to find an alternative by this time next year when my Quicken 2015 loses the ability to download. My two key requirements are: 1. The software can pull from multiple financial institutions in one step. I do not want to have to download QIF files one by one myself. 2. I want...
by flossy21
Tue Feb 07, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie asks-should I put sell limits on my portfolio?
Replies: 18
Views: 1216

Re: Newbie asks-should I put sell limits on my portfolio?

Oops, sorry, still wanted to write more. So, in the above situation, if the market really melted down for some reason, my stocks would sell for about what I paid for them, or for much more (in some cases), and I would then have cash to buy MORE stocks when the prices go really low. Your thoughts pl...
by flossy21
Mon Feb 06, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58621

Re: Quicken's future direction - a cause for concern

ruralavalon wrote:What are the better alternatives to Quicken, for someone who wants automatic downloads and just wants to monitor spending?



Check out Moneydance. You can do downloads via .qif file (Quicken file format) and it gives you reporting functionality.

http://moneydance.com/
by flossy21
Wed Jan 25, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2716

Re: Anyone have experience with plumbing issues or any Plumbers here?

Why would you replace CPVC with PEX? PEX is pretty much what is used in new construction these days. It is flexible so it bends around things easily. It won't kink and requires no soldering or glue to join. Purely a mechanical joint. It won't bust when frozen either. Labor to install has to be chea...
by flossy21
Wed Jan 25, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2716

Re: Anyone have experience with plumbing issues or any Plumbers here?

Recently I had a small disaster in my home with a broken pipe that caused water damage. The plumber says the type of piping system I have in my home, CPVC, is cheap and outdated. Newer homes are being built with PEX piping that can resist freezing temps. To make a long story short, it's going to co...
by flossy21
Thu Jan 19, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for radio stations
Replies: 16
Views: 1989

Re: Recommendations for radio stations

I'm about to start a 10-day leave period from work to finish up a personal project of mine. I guess you are doing your taxes? :> All joking aside try Tunein radio. It is free streaming radio with lots of stations. Here's two links to some that might fit your requirements. You should search Tunein f...
by flossy21
Fri Jan 13, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 48
Views: 8629

Re: Let's say you are dying this year

I'm sorry to hear of their situation. It must be stressful on your family. I would ask them each to write their own eulogy. I would also sit down on camera with each of them and ask them to describe their lives in detail. Capture what you can for their grandkids now basically.
by flossy21
Fri Jan 13, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 20
Views: 2238

Re: HSA Suggestions: where?

Here's a site that does comparison for various providers... https://www.hsasearch.com/ I like the look of this one but I have no first hand experience... https://www.hsasearch.com/hsa_providers/selectaccount/ I currently use HSA Administrators through my employer. My wife uses HealthEquity through h...
by flossy21
Thu Jan 12, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to build passive income
Replies: 45
Views: 5511

Re: How to build passive income

Create a blog about something which you have a passion about. If you collect enough hits then advertisers will come to you and want to pay to get space on your site. Here's an example of a Physician who does this successfully -- http://whitecoatinvestor.com/ . He also posts here regularly. Here's th...
by flossy21
Wed Jan 11, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate 3-6 million in assets to achieve goals?
Replies: 72
Views: 8769

Re: How to allocate 3-6 million in assets to achieve goals?

It seems you want to have 2 buckets. One bucket would be for you to live on for the rest of your days and the other would be investing for future generations or to leave as a legacy? How about something like this? Bucket #1 - Money to live on for the rest of your days. You could create a bond or CD ...