Search found 260 matches

by Reubin
Mon Nov 27, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4120

Re: Trip to Hawaii - what do I need to know

Be careful of sunburn. Especially when snorkeling or in the water. On my last day there I thought that my skin was ready for full sun without sunscreen and it was by far the worst sunburn of my life. Call it sun poisoning. Was dreadful.
by Reubin
Mon Oct 23, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2214

Re: Running shoes/insoles

Calling all runners! I've picked up running a year ago, and I'm struggling with finding the right shoe fit. Shoes I've used: Asics (old pair no longer used due to getting shin splints often), and Nike (I like them, but I guess my feet are too wide for the narrow shape of the shoe causing my right b...
by Reubin
Mon Oct 23, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1750

Re: Favorite HIIT Workouts

Hayden wrote: ↑
Mon Oct 23, 2017 8:37 am
Right now I'm really enjoying spinning classes. At my gym, each day's class is taught by a different instructor, so they're all a bit different, which keeps it interesting.
Spinning classes hurt my backside.
by Reubin
Mon Oct 09, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4677

Re: Chrome vs Firefox

I've used Opera for years and it's been flawless. They even have a free VPN that is available on a toggle switch.
by Reubin
Thu Feb 02, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Please help buying new Avalon limited!
Replies: 51
Views: 4569

Re: Please help buying new Avalon limited!

Save yourself close to half the money and just buy a 2017 Camry LE. They are great cars. Quiet, smooth, roomy and reliable. I've recently bought one and its the best car I've owned in 40 years.
by Reubin
Mon Nov 14, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

Another bad day for gold and treasuries! Is this the absolute worst time to even consider this portfolio?
by Reubin
Mon Nov 14, 2016 12:38 am
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

One should also remember that there are hidden drags on owning physical gold that don't show up and reduce overall gains of the portfolio. These include purchase commissions, shipping costs, storage fees and insurance. These all reduce gains to below the numbers usually stated for the portfolio. Plu...
by Reubin
Sun Nov 13, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

But 2% over the last five years? I have a guaranteed CD that pays that.
by Reubin
Sun Nov 13, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

What about when both gold and long term treasuries both falter, as we saw this past week?

If soboggled's figures are correct, then the average return for the permanent portfolio before inflation eats into it is just over 2% per annum for the past five years.
by Reubin
Sun Nov 13, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

That's about a meager 4.5% return over the past 5 years as I calculate. What was the typical Boglehead's return?

Isn't it true that you don't even follow its principles precisely?
by Reubin
Sun Nov 13, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

Small cap and small cap value aren't parts of the permanent portfolio. Actually small cap and small cap value are part of the portfolio since they are components of the total stock market. Although this may be partially true, the small cap portion of a permanent portfolio is a measly 2-3% which is ...
by Reubin
Sat Nov 12, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

Small cap and small cap value aren't parts of the permanent portfolio.
by Reubin
Sat Nov 12, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 582
Views: 140213

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

It's a portfolio that guarantees mediocrity. And as the past few days have shown it doesn't even offer much stability for all of the gains you are sacrificing. I believe that two of the past four years have had negative returns as the Boglehead portfolio has climbed.
by Reubin
Sat Nov 12, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 582
Views: 140213

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Nonetheless, it has severely underperformed portfolios such as the Boglehead portfolio.
by Reubin
Sat Nov 12, 2016 5:09 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

It's been crashing recently which isn't very "all weather" like. If you average the gains over the past few years the returns aren't worth one's time.
by Reubin
Sat Nov 12, 2016 5:07 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 582
Views: 140213

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

The loss was greater than this and took place within just a couple of days. The permanent portfolio is fools gold. On the other hand a typical Boglehead portfolio has been doing great. Bogleheads rule!
by Reubin
Sat Nov 12, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 582
Views: 140213

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Permanent Portfolio is getting crushed this week, with bonds and gold crashing at the same time! Stay away!
by Reubin
Sat Nov 12, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund
Replies: 18
Views: 2855

Re: TSP G Fund

If the bull market in bonds has indeed ended as some are saying then the G Fund becomes even that much more valuable as a replacement.
by Reubin
Sat Nov 12, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10451

Re: The Permanent Portfolio as an accumulation portfolio

Interesting to see how the permanent portfolio has been crashing since the election results came in. No way is this an "all weather " portfolio as it has been portrayed.
by Reubin
Tue Sep 06, 2016 12:03 am
Forum: Personal Consumer Issues
Topic: repair 2010 odyssey versus trade in?
Replies: 26
Views: 3286

Re: repair 2010 odyssey versus trade in?

I've got a 2001 Ody and it is still a great vehicle. Stay with that baby!
by Reubin
Thu Sep 01, 2016 12:25 am
Forum: Personal Consumer Issues
Topic: Anyone going to the US Open tennis in NY?
Replies: 9
Views: 1021

Re: Anyone going to the US Open tennis in NY?

Agassi was there Tuesday evening but was in the audience. I've gone the first three nights and had a great time. We saw them close the new roof for the first time too so no rainouts or big delays anymore. Also going next Wed. for the day session. Lots of fun! Oh, Travelzoo was promoting some inexpen...
by Reubin
Sun Aug 21, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Free US Open Tennis This Week
Replies: 5
Views: 736

Free US Open Tennis This Week

The US Open tennis qualifying rounds competition is coming
up this week, Tuesday through Friday and it's
FREE! Anyone in the New York metropolitan area
can get there fairly easily. The weather is
supposed to be nice too!

http://www.tours4tennis.com/us-open/schedule.shtml

Edit: I fixed the link
by Reubin
Mon Aug 08, 2016 10:40 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 11663

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Generally speaking I just like Toyotas much more than Hondas. I have purchased one Honda, a 2013 Accord, and couldn't wait to trade it in.
by Reubin
Mon Aug 08, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Looking For A New Treadmill
Replies: 6
Views: 831

Looking For A New Treadmill

I'm in the market for a new treadmill at a reasonable price...less than a grand. I want at least a 12 or 15% incline and a lot of cushioning plus reliability. So far my research is pointing towards the Nordic Track C990 which comes in at $999. I have plenty of room in my basement if necessary next t...
by Reubin
Sun Jun 12, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 93
Views: 15082

Re: Did you retire before normal retirement age?

I left my high stress, shift work laden air traffic controllers job in New York after 30 years of staring at radar scopes because I reached the age of mandatory retirement (age 56). I would have kept working if they would have let me but it probably would have killed me eventually. I am financially...
by Reubin
Tue May 31, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7014

Re: tips for weight exercises/training

The heart rate monitor training has worked well for Mr. Allen and allowed him to gain remarkable conditioning levels. For me, it is a way not to overextend and end up overtrained (fatigued) or injured. I can train this way every single day with low impact, little fatigue and no injuries. Without th...
by Reubin
Mon May 30, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7014

Re: tips for weight exercises/training

I agree that people need to go to a gym or otherwise work out. However, many will overtrain and begin to miss workouts or totally give up. Or they will encounter injuries that deter them. Many are also not optimizing their aerobic system, instead unintentionally focusing on anaerobics. The MAF techn...
by Reubin
Mon May 30, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7014

Re: tips for weight exercises/training

The heart rate monitor training has worked well for Mr. Allen and allowed him to gain remarkable conditioning levels. For me, it is a way not to overextend and end up overtrained (fatigued) or injured. I can train this way every single day with low impact, little fatigue and no injuries. Without the...
by Reubin
Sun May 29, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: tips for weight exercises/training
Replies: 81
Views: 7014

Re: tips for weight exercises/training

I agree that you need resistance training and cardio. With respect to the cardio, I highly recommend Iron Man champion Mark Allen's use of a heart rate monitor to keep your heart rate low enough to stay in the fat burning zone, thereby training your body to burn fat optimally. It's basically 180 min...
by Reubin
Fri May 13, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do all Boglesheads die at 100?
Replies: 51
Views: 7577

Re: Do all Boglesheads die at 100?

I'll let you know when you reach 99, sonny!
by Reubin
Sun May 08, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Best all-in-one fund for taxable?
Replies: 9
Views: 3350

Re: Best all-in-one fund for taxable?

rmelvey wrote:What about a robo advisor like betterment or wealthfront?


I've recently tried a robo investor with some play money and was very disappointed in the results. Underperformed all of the time.
by Reubin
Sun May 08, 2016 11:20 am
Forum: Investing - Theory, News & General
Topic: Another Bernstein Gem-Don't be Greedy
Replies: 42
Views: 8798

Re: Another Bernstein Gem-Don't be Greedy

So then, the more money that you have, the more you can put at risk safely. But why would you do that?
by Reubin
Sun May 08, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Moving Edward Jones to Vanguard
Replies: 40
Views: 5140

Re: Moving Edward Jones to Vanguard

Can these bozos be sued? The climate is definitely against predatory investment practices and I wonder if they can be beaten. What about the SEC?
by Reubin
Fri Mar 25, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Spirit Airlines
Replies: 38
Views: 4268

Re: Spirit Airlines

I worry about things like pilot experience and competence. Also aircraft maintenance. These same concerns also apply to offshoots of the major airlines like American Eagle for example.
by Reubin
Thu Nov 19, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 3591

Re: Shoe Orthotics

I definitely concur with the green Superfeet orthotics. For PF I found that I needed firm inserts, not soft and squishy ones. I also added a small bottlecap (dont laugh) under each heel of the Superfeet to further take the strain off of my plantar tendons. This works very well for me!
by Reubin
Sun Oct 11, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: No 2016 COLA? Probably True.
Replies: 6
Views: 1451

Re: No 2016 COLA? Probably True.

Isn't the CPI up about 1.5% this year or am I wrong? You mean that this isn't counted?
by Reubin
Thu Sep 10, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7806

Re: Poor man's auto navigation system?

I agree that Waze is the way to go.It tells you the fastest route and takes into consideration the traffic along the way. If traffic conditions change it will optimize your route for quickest arrival. It also will warn you about red light cameras, hidden police, and speed traps.
by Reubin
Sun Aug 30, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: [Attending] The U.S. Open
Replies: 5
Views: 817

Re: [Attending] The U.S. Open

Yes, it's great! Bring some food to cut down on costs and grease. Also bring an unopened bottle of water with you and just refill it at the water fountains when necessary. If you want to get out of the searing sun and heat you can saunter over to the practice courts, P1-P4, and watch some great play...
by Reubin
Sun Aug 30, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: [Attending] The U.S. Open
Replies: 5
Views: 817

Re: [Attending] The U.S. Open

See below.
by Reubin
Wed Jul 08, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Is The Bowflex PR1000 Useful?
Replies: 12
Views: 1728

Re: Is The Bowflex PR1000 Useful?

Thank you all for your replies. When I was working as an air traffic controller I had access to a gym with weight resistance equipment. I could not believe how good I felt after a workout. I've never felt this way after any of my hundreds of runs. Now that I'm retired after 30 years of stress I no l...
by Reubin
Wed Jul 08, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: Is The Bowflex PR1000 Useful?
Replies: 12
Views: 1728

Bowflex

[Thread merged into here, see below. --admin LadyGeek] I am thinking of purchasing a Bowflex PR1000 home gym. It seems very reasonably priced on Amazon. Normally I am a runner/jogger but would like to add resistance training for health purposes. I am in my late 50's and prediabetic. Any thoughts on...
by Reubin
Wed Jul 08, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Is The Bowflex PR1000 Useful?
Replies: 12
Views: 1728

Is The Bowflex PR1000 Useful?

I'm thinking of purchasing a Bowflex PR1000 from Amazon.com. The price seems very reasonable. I am a runner/walker in my late 50's who is trying to keep my prediabetes under control. I've heard that resistance is the way to go. Does anyone have experience with this basic Bowflex model? Should I upgr...
by Reubin
Sat Jun 06, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: US Open Tennis 2015 Presale Now ON
Replies: 8
Views: 1727

Re: US Open Tennis 2015 Presale Now ON

Yes. I buy for Arthur Ashe Stadium and then am free to wander to the other courts and stadiums.
by Reubin
Thu Jun 04, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: US Open Tennis 2015 Presale Now ON
Replies: 8
Views: 1727

Re: US Open Tennis 2015 Presale Now ON

You're very welcome! The sale ends soon for those interested. I was able to get 2 for 1's for the first 3 night sessions and 2 day sessions the second week. And the best bargain that nobody knows about is that the week before the Open begins is when they hold the Open qualifying matches which are to...
by Reubin
Tue Jun 02, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: US Open Tennis 2015 Presale Now ON
Replies: 8
Views: 1727

US Open Tennis 2015 Presale Now ON

If you like watching US Open Tennis in person then there is a sale on tickets this week here:

http://www.usopen.org/

There are certain sessions, even into the 2nd week, where you can get 2 for 1 on seats if you purchase with an AMEX card.

Enjoy!
by Reubin
Tue Mar 31, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 13626

Re: Closing out my first 'snowbirding' winter

Just be careful. Water pipes can freeze and burst while you're tanning.
by Reubin
Sat Mar 14, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Friend Leased A Car With Free Maintenance Now Dealer Gone
Replies: 9
Views: 2103

Friend Leased A Car With Free Maintenance Now Dealer Gone

A friend of mine leased a Kia Optima about a year ago and was sold a total free maintenance package, which is included in his monthly payment. Well now the dealership has gone bankrupt and although he is still responsible for the full monthly payment, he cannot get his vehicle maintained for free. T...
by Reubin
Wed Mar 04, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 3678

Re: Frozen Pipes/No Water In Home

I do not remember. It was 20 years ago. But I know it was very reasonable, or I would not have forgotten an outrageous amount. Seems like a normal plumber visit would be fair. It took 5 minutes to do. Roto Rooter came, hooked up the Hotshot 320 to the pipe that comes into the house and hooked up th...
by Reubin
Wed Mar 04, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 3678

Re: Frozen Pipes/No Water In Home

I've heard of using electrical current as suggested above to heat the water line. I had frozen pipes and the plumber came in hooked up the electrical shocker and in just a couple of minutes the water was flowing fine. Fortunately, no broken pipes. This avoided cutting a hole in the ceiling to get a...
by Reubin
Wed Mar 04, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 3678

Re: Frozen Pipes/No Water In Home

A plumber that was working next door came by to look. He used a blow torch on the pipe inside the garage where it first enters to no avail. He then called someone he knew who thaws pipes from the meter to the street but he wants $1500. Roto Rooter will be here today for a free estimate
.