Search found 656 matches

by Dude2
Sun Oct 15, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2107

Re: Calculating max electrical load of your home

The question confuses me. The service you buy from the electric company is the service delivered to the home, i.e. 100A or 200A, regardless of the sub-circuits in the home. This is the limit to the amount of amps your home can draw. There's a general rule that says you don't want to run more than 75...
by Dude2
Sun Oct 15, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5673

Re: Is Florida Over, 2017

isnt inland (orlando) much safer from hurricanes? Not really. Orlando's been hit pretty hard. People in California have managed to deal with the earthquake situation. I think our building codes are similarly effective at hurricanes. Personally, I have never been affected or known anyone that was af...
by Dude2
Sun Oct 15, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5673

Re: Is Florida Over, 2017

FL native here. I don't even understand the question. Are we talking about hurricanes? I've lived through dozens of hurricanes. Please understand that there are differences in perspectives depending on where you live and what you are used to. For example, if I were in the middle of those fires in Ca...
by Dude2
Sun Oct 15, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 6860

Re: What are you driving? And would you buy your current ride again?

I drive the most popular car in America -- the Toyota Camry. Yes, I would buy it again. No complaints. Decent comfort, power, gas mileage, visibility -- all for a very reasonable price. Besides changing the oil and air filter, rotating the tires, practically zero maintenance costs. However, I really...
by Dude2
Sun Oct 01, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 2597

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

Have you seen this HBO documentary on Warren Buffett?

Before you lend credence to his words, you might want to see who it is that is giving this advice. It was a game-changer for me.
by Dude2
Sun Oct 01, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2951

Re: Reach out to hiring manager directly on LinkedIn?

I don't understand what the purpose of LinkedIn is if not this.
by Dude2
Sun Oct 01, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 2214

Re: High yield muni

^^^ Sorry Nicolas, you beat me to it. Yep, missed that. Glad somebody is making sure all the facts come out. Bottom line is that the fund could be good for some people, but, once we start bringing tax issues into it, the conversation starts to diverge from the general case that the OP presented.
by Dude2
Sun Oct 01, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 992

Re: Question on Bond Portion of AA

What about half stable value and half to a fund that is mapped to the Aggregate Bond Index? Best of both worlds.
by Dude2
Sun Oct 01, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 2214

Re: High yield muni

Since nobody said anything, VWAHX currently shows 16.6% AMT exposure, and it looks to be the only Vanguard muni fund with that exposure. FYI. If you're a muni investor, that implies a high tax rate, and therefore you typically do not want AMT exposure. I'm sure there's a sweet spot for this fund whe...
by Dude2
Sun Oct 01, 2017 4:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9056

Re: Bogleheads you would most like to meet and why?

Valuethinker wrote:
Sun Oct 01, 2017 3:22 am
Many of us are probably more boring in real life than we seem here.

;-)
Thanks for being you. 8-)
by Dude2
Sun Oct 01, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7411

Re: What will happen if I refuse to pay a medical bill?

I'm just not comfortable with the ethics (yet). It's pretty much legally cheating to me. However, increasingly I think the medical system is legally cheating us, and so, to me, the ethics are getting blurrier. Clearly this is not as simple a scenario as "services are rendered, pay for services." Th...
by Dude2
Sat Sep 30, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1856

Re: Bed Pillows

Esther wrote:
Sat Sep 30, 2017 7:52 am
They go flat.
Wash down pillows in washing machine (assuming the tag say you can), and then dry them in the dryer on low/delicate heat with a tennis ball in the dryer. It takes a long time to dry, and is quite noisy. I find it rejuvenates the pillows successfully.
by Dude2
Sat Sep 30, 2017 4:52 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7411

Re: What will happen if I refuse to pay a medical bill?

First off, these statements that the doctor's office will turn this over to collections if you do not pay are far from certain. This is especially true if you work with them and explain the situation. They have the ability to drop it and consider it a "one off". Then you have the ability to not go d...
by Dude2
Thu Sep 28, 2017 5:51 am
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4533

Re: Which bogleheads have a "high need to take risk"?

I find this to be a very interesting question to ask, but I'm not sure the answers are going to give us useful data about high stock investors need and willingness to take risk. The risk is invisible to them because they have been compensated by stocks versus other investments. That means there is n...
by Dude2
Sun Sep 24, 2017 1:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1338

Re: Boglehead of another species

Treats are a consumption item, not an investment, and have no part in a dog's asset allocation.
by Dude2
Fri Sep 22, 2017 8:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9056

Re: Bogleheads you would most like to meet and why?

I say Nisiprius because of his talents in getting to the crux of a matter without needing to step on anybody's toes. Picture a bunch of students working together to try to solve a problem. Left to their own devices, they hem and haw, agree and disagree, and can often come up with the wrong approach ...
by Dude2
Thu Sep 21, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth/Traditional vs Paying off debt
Replies: 19
Views: 991

Re: Investing in Roth/Traditional vs Paying off debt

Should I use my pre-tax contributions of 18K (or the amount after my company matches) to pay off the debts as well? Maybe. How-Much-Does-My-401-k-Plan-Save-Me-In-Taxes- When you do the math, you discover that the two most important tax benefits for retirement savings are the non-taxation of trust e...
by Dude2
Wed Sep 20, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3724

Re: AA if you were just starting out again

Hard knocks is what it took for me. If I had it to do over, I'd probably stick with the traditional balanced fund 60/40 approach and just try to save.
by Dude2
Wed Sep 20, 2017 6:29 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 1930

Re: Why so many 'negative' responses?

Jeez, two examples in a row right above here.
by Dude2
Tue Sep 19, 2017 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25411

Re: Calling out the not so rich bogleheads

It has also been stated that there are many engineers/IT/Software people on the forum (which makes sense given that being on the Internet is probably a higher priority in our lives). I don't think that our job category is associated with wealthy. We do alright - some better than others. A defining c...
by Dude2
Sun Sep 17, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2299

Re: After Irma in need of............

Rechargeable battery storage indicates that one must try to keep their rechargeable batteries in a state from between 30-70% charged to ensure their life and usefulness. Using a hand crank/solar device sounds wonderful in theory, but it relies on the rechargeable battery inside being viable. If you...
by Dude2
Wed Sep 13, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12849

Re: Florida Hurricanes: When and where to go?

Just got power back. Boy, that sucked. We got teased at first. Power came back on for 4 hours. Then, I guess, several transformers blew, and it took another three days.
by Dude2
Sun Sep 10, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12849

Re: Florida Hurricanes: When and where to go?

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Every single hurricane is different, so I would never go by what pe...
by Dude2
Sun Sep 10, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Recent Hurricanes Provide Good Lesson For Investors
Replies: 30
Views: 4635

Re: Recent Hurricanes Provide Good Lesson For Investors

There was a recent post looking for Livesoft which talked about three "500 year" floods that had occurred in the Houston area. Rather than become alarmist and start considering it the "end of times", I think we are better served in examining whether the data is itself valid (are themselves valid?)....
by Dude2
Sun Sep 10, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Recent Hurricanes Provide Good Lesson For Investors
Replies: 30
Views: 4635

Re: Recent Hurricanes Provide Good Lesson For Investors

There was a recent post looking for Livesoft which talked about three "500 year" floods that had occurred in the Houston area. Rather than become alarmist and start considering it the "end of times", I think we are better served in examining whether the data is itself valid (are themselves valid?). ...
by Dude2
Sat Sep 09, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6502

Re: Luxury car: perception vs reality

visualguy wrote:
Sat Sep 09, 2017 10:47 am
Go test drive a Porsche Cayman/Boxster or a BMW M car or a Mercedes S Class, and you'll easily understand...
Are you kidding? I wouldn't make it out of the dealership alive (without having bought a car)! Just take this one hit of crack. :P :twisted:
by Dude2
Sat Sep 09, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6502

Re: Luxury car: perception vs reality

msk wrote:
Sat Sep 09, 2017 10:19 am
LIVE! No guilt feelings.
But what is it about the car that is so great? Is it the horsepower or the feeling of having a superior vehicle?
Is this something that can't be articulated and must be felt/experienced?
by Dude2
Sat Sep 09, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 602

Re: DVDs and Longterm Storage

There are posts like this if you search. Personally, I ripped mine to hard drive long ago (although probably a technical violation of copyright). Other services allow you to register the movies you own, and then you are able to stream them from the service. Fees apply. Also who knows how long they w...
by Dude2
Sat Sep 09, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6502

Re: Luxury car: perception vs reality

Based on the thread title, I was hoping for more of a discussion on luxury cars being worth the money/effort. Only one post has addressed that aspect. As others have said, an average Toyota Camry is pretty nice. What more do luxury cars offer? -- better traction/stability, i.e. hold the road better,...
by Dude2
Fri Sep 08, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12849

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida ha not encountered a storm like this in modern history . Don't Panic! One of the reasons that we don't get hit with Cat 5's i...
by Dude2
Fri Sep 01, 2017 6:02 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17088

Re: [Are the Bogleheads] getting less interesting?

In the old days back over on the old Morningstar forum, there was much less moderation and so you'd get the occasional bar fight that would add interest; I mean, I probably threw a few jabs that in retrospect I am less than proud of, so I have come to appreciate the well moderated forum that Bogleh...
by Dude2
Thu Aug 31, 2017 4:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17088

Re: Is Bogelheads getting less interesting?

Stocks aren't in free fall everyday.
by Dude2
Wed Aug 30, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1485

Re: Hulu w/ Live TV

Some of these options require the hardware, right? I'm assuming that to get Playstation Vue that you have to own a Playstation. Correct? What's that set you back these days?
by Dude2
Wed Aug 30, 2017 5:15 am
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1485

Re: Hulu w/ Live TV

Cord cutter here. Yes, I recently had to join You Tube TV to get access to the US Open (tennis), but I will be quitting when it's done. I'm not impressed either with the user interface to be able to find things to watch or with the DVR (there's nothing to help you there, i.e. "Would you like to reco...
by Dude2
Tue Aug 29, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quitclaim deed for land
Replies: 13
Views: 1097

Re: Quitclaim deed for land

I really don't understand why people do quit claim deeds for intra-family deeds. Probably people are just opting for simplicity and lower cost. They assume that the rigmarole involved in an official closing is unnecessary because why would there be any issues on property that has been in the family...
by Dude2
Tue Aug 29, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Company 401k is incorrectly dealing with over 50 catch up contribution
Replies: 35
Views: 2925

Re: Company 401k is incorrectly dealing with over 50 catch up contribution

Just take a breath. It can't be that big a deal in the grand scheme of things. People on this forum have advised me that we who are even allowed to contribute (at all) after tax are in the minority. We should be happy we have what we have. The wheels turn slowly. You've done your job to report it to...
by Dude2
Mon Aug 28, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

One thing I will say is that I look at it that $1200/mo SS plus $1000 from you on top -- that is what I estimate as the bare minimum a person could survive on. (I'm talking without any other monthly bills due to debt.) That's $26,400 a year. I doubt there are folks on this forum that are able to li...
by Dude2
Sun Aug 27, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: Small-Cap Value has had higher returns than Total Stock Market, with lower risk
Replies: 49
Views: 4397

Re: Small-Cap Value has higher returns than Total Stock Market, with lower risk

"Best" is a loaded term, but risk is usually measured in standard deviation. Downside risk is usually measured with maximum drawdown (percentage drop from peak to trough). Over the last 45 years, SCV has had both a higher standard deviation than TSM, along with a higher max. drawdown. Thank you for...
by Dude2
Sun Aug 27, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1376

Re: Advantages/disadvantages of using roth for nonretirement

Thank you. I do apologize for misinformation. This situation did happen to me though. I withdrew contributions at one point, filed my taxes as normal, thinking I had done nothing wrong, and subsequently the IRS sent me a letter. Perhaps what is missing is some kind of communication from the custodi...
by Dude2
Sun Aug 27, 2017 4:59 am
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1376

Re: Advantages/disadvantages of using roth for nonretirement

You can only ever take out "contributions" from the Roth in the future without penalty, i.e. you have contributed $17,000, then you can remove $17,000. One doesn't typically report their Roth contributions to the IRS. If you use TurboTax, for example, it may ask you about contributions, but it will...
by Dude2
Sat Aug 26, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

Isn't this the new reality? Don't we see all the articles about baby boomers retiring with nothing? Just like 30 year olds, 40 year olds, and 50 year olds, baby boomers have a wide variety of financial circumstances. No matter what age, people's finances reflect their education, frugality, luck, pl...
by Dude2
Sat Aug 26, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

Perhaps she can find a similar destitute-on-SS-benefits women with whom she can share living arrangements. That is, she can live like a college student. +1 My MiL has been living on $1k SS benefits for around a decade, just dipping into her savings a little periodically. She has no mortgage, no pro...
by Dude2
Sat Aug 26, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1376

Re: Advantages/disadvantages of using roth for nonretirement

You can only ever take out "contributions" from the Roth in the future without penalty, i.e. you have contributed $17,000, then you can remove $17,000. One doesn't typically report their Roth contributions to the IRS. If you use TurboTax, for example, it may ask you about contributions, but it will ...
by Dude2
Sat Aug 26, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

Roger that. I live in FL and don't know, but hasn't it been a relatively cheaper of late due to low gas/oil prices for those Yankee winters? You are so right that now would be the time to strike. Only the OP can assess the housing situation. Sometimes (maybe not in this case) the devil you know is b...
by Dude2
Sat Aug 26, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

^^^ Sounds rough. I'm not looking forward to those situations. Currently I have a 91 year old grandmother still not in a home. I am curious at what you think the OP should do. I don't disagree that there may be a better technique to use in the near term to get the financial situation in line, but ev...
by Dude2
Sat Aug 26, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31494

Re: What to do when a parent's money runs out?

Not sure what to say of value except to sympathize/empathize. My mom's situation is similar but not so extreme. I also have a sister who just doesn't care, so the burden falls on me. One thing I will say is that I look at it that $1200/mo SS plus $1000 from you on top -- that is what I estimate as t...
by Dude2
Fri Aug 25, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3360

Re: Miles Davis: Kind of Blue - Question for Jazz experts

Try Ballads by John Coltrane. It's with McCoy Tyner and that quartet. Excellent! Herbie Hancock--Maiden Voyage. Getz/Gilberto Dave Brubeck Time Out Coltrane My Favorite Things Paul Desmond--PD Quartet Live and PD with Gerry Mulligan--Two of a Kind. Paul played sax on Brubeck Time Out. Okay, listeni...
by Dude2
Mon Aug 21, 2017 4:34 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13631

Re: I own no international stocks. Can you guess why?

The US is 36% of the world's market cap so any more allocation than that is an overconcentration contrary to Bogleheads "own the market" core principle (that Jack Bogle is OK with this is, to me, simply a manifestation of patriotism and the old saying, not anything with rational economic argument b...