Search found 1396 matches
- Thu Feb 02, 2017 9:48 am
- Forum: Personal Consumer Issues
- Topic: Pet insurance for new puppy
- Replies: 77
- Views: 11636
Re: Pet insurance for new puppy
Yeah that's about right $1600 a year for the 2 dogs. A bargain compared to the $9200 yr I spend for my healthcare premiums.
- Thu Feb 02, 2017 9:35 am
- Forum: Personal Consumer Issues
- Topic: Pet insurance for new puppy
- Replies: 77
- Views: 11636
Re: Pet insurance for new puppy
$133 and there is a discount for auto-pay, deductible was lower than I thought. This plan does not cover check-ups, but has no limit and covers 90%
Pet Name: Ricky
Date of birth: 03/05/2014
Type: Dog
Breed: Pembroke Welsh Corgi
Gender: M
Monthly premium for this pet: $72.66 (As seen on Dec Page)
Deductible: $100.00 per incident
Pet Name: Luci
Date of birth: 01/01/2014
Type: Dog
Breed: Terrier
Gender: F
Monthly premium for this pet: $60.40 (As seen on Dec Page)
Deductible: $100.00 per incident
Pet Name: Ricky
Date of birth: 03/05/2014
Type: Dog
Breed: Pembroke Welsh Corgi
Gender: M
Monthly premium for this pet: $72.66 (As seen on Dec Page)
Deductible: $100.00 per incident
Pet Name: Luci
Date of birth: 01/01/2014
Type: Dog
Breed: Terrier
Gender: F
Monthly premium for this pet: $60.40 (As seen on Dec Page)
Deductible: $100.00 per incident
- Thu Feb 02, 2017 9:06 am
- Forum: Personal Consumer Issues
- Topic: Pet insurance for new puppy
- Replies: 77
- Views: 11636
Re: Pet insurance for new puppy
Call'em, Trupanion is the carrier. Ricky is a Cardigan Corgi 2yr10mo, Lucy is a Rat Terrier mix 3yr 1 mo. 90% /$750 deductible
- Thu Feb 02, 2017 9:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Small Company SIMPLE IRA Plan
- Replies: 9
- Views: 1730
Re: Small Company SIMPLE IRA Plan
No yearly fee at Schwab and lower minimums on funds. We've had a Simple there since the early 90's, I've overseen that program and few problems that I can recall.
- Thu Feb 02, 2017 8:47 am
- Forum: Personal Consumer Issues
- Topic: Pet insurance for new puppy
- Replies: 77
- Views: 11636
Re: Pet insurance for new puppy
I pay it, $124 total for both our 3 year old dogs. I pay it for me, as much for them. For when the Vet looks at me and says, "there's a good chance of recovery, but it's a $9500 operation", and it takes one second to say yes. No indecision, no regrets.
- Tue Jan 10, 2017 7:41 am
- Forum: US Chapters
- Topic: Sad News About a Respected Forum Member
- Replies: 118
- Views: 30368
Re: Sad News About a Respected Forum Member
My favorite insurance guy. Ever. Thanks for your help Meph. RIP
- Tue Jan 10, 2017 7:30 am
- Forum: Investing - Theory, News & General
- Topic: How Bad was 2008, really?
- Replies: 407
- Views: 63819
Re: How Bad was 2008, really?
Stay the course was still the mantra, but there was plan B's everywhere. And when Adrian Nenu, darth vader himself, pronounced he was selling all his bonds and going all in. Doom was real.
- Tue Dec 20, 2016 8:09 pm
- Forum: Personal Investments
- Topic: International Index Funds
- Replies: 29
- Views: 4108
Re: International Index Funds
Even if nothing else you pick up currency diversification, that seems to be a large part of what would appear as out-performance in a short and mid-term time frame.
- Tue Dec 20, 2016 6:54 am
- Forum: Personal Consumer Issues
- Topic: Sling TV
- Replies: 28
- Views: 4448
Re: Sling TV
I trialed the FS1/FS2/NBCSN package and kept it, a nice bundle if you prefer soccer/hockey to football/basketball. Encountered very little downtime, the no playback takes a bit of getting used to, but I've become a better listener.
- Sun Dec 06, 2015 6:25 am
- Forum: Investing - Theory, News & General
- Topic: Bogleheads Hall of Fame
- Replies: 35
- Views: 5376
Re: Bogleheads Hall of Fame
Not even Livesoft?
- Mon Jun 22, 2015 10:33 am
- Forum: Personal Investments
- Topic: yobria's easyallocator.org website?
- Replies: 9
- Views: 2488
Re: yobria's easyallocator.org website?
"If it weren't for color printers, and man's need to find patterns where there are none, investment advisers would be a whole lot poorer." - yobria
Nick was about better investing through noise reduction, an excellent message and contributor. I miss him.
Nick was about better investing through noise reduction, an excellent message and contributor. I miss him.
- Thu Mar 19, 2015 9:46 am
- Forum: Investing - Theory, News & General
- Topic: Where is Larry Swedroe
- Replies: 18
- Views: 5955
Re: Where is Larry Swedroe
The Only Investment Guide You'll Ever Need For Investment Guides, is the final in the series I believe.
- Sun Mar 01, 2015 10:09 am
- Forum: Investing - Theory, News & General
- Topic: Does More Indexing Mean Less Stock Trading?
- Replies: 8
- Views: 1499
Re: Does More Indexing Mean Less Stock Trading?
The numerous types of index funds, value/growth, sector and size, collectively create many of the same push-pull trading dynamics that exist between active and passive managed funds now.
- Thu Feb 26, 2015 1:55 pm
- Forum: US Chapters
- Topic: "The world's largest non-commercial financial forum".
- Replies: 34
- Views: 6705
Re: "The world's largest non-commercial financial forum".
Hocus, thank you.
- Tue Jan 27, 2015 7:57 pm
- Forum: Investing - Theory, News & General
- Topic: Would you buy Total World index if it had Admiral Shares?
- Replies: 86
- Views: 16663
Re: Would you buy Total World index if it had Admiral Shares
After years of tilting, it's been my equity tool of choice in ETF form for three years. I'm not going to create a taxable event with my value and small funds, but all new money and tax loss harvesting moves, funnel back into VT.
- Wed Aug 06, 2014 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: What to tell friends who think "it's all a scam"
- Replies: 64
- Views: 8390
Re: What to tell friends who think "it's all a scam"
...in the long term there will always be a positive return to equity. If there isn't we'd all just sit still and starve.-Boglegrappler
Particularly lovely phrasing in cutting to the essence of markets. I'll have occasion to use this, thank you.
Particularly lovely phrasing in cutting to the essence of markets. I'll have occasion to use this, thank you.
- Thu Jul 03, 2014 4:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to admit/should I admit alcohol problem to employer
- Replies: 115
- Views: 28058
Re: How to admit/should I admit alcohol problem to employer
It seems the focus was on admitting how your drinking has wronged other people, when I don't think that applies to my situation.
When you've been sober a few months and have taken a realistic inventory of your actions and relationships it would totally surprise me if you still agree with that statement. I've said this exact thing and have heard it from a dozen other drunks, it's pure denial.
I'm an alcoholic who's last drink was January 3rd, 2001
When you've been sober a few months and have taken a realistic inventory of your actions and relationships it would totally surprise me if you still agree with that statement. I've said this exact thing and have heard it from a dozen other drunks, it's pure denial.
I'm an alcoholic who's last drink was January 3rd, 2001
- Wed May 14, 2014 8:42 am
- Forum: Personal Consumer Issues
- Topic: True cost of a [dental] implant
- Replies: 71
- Views: 14736
Re: True cost of a [dental] implant
Lower left, first molar, I'm having this done presently. Right around four thousand, yep. Includes extraction and bone graft, the rest pretty much like you said. I trust my dentist, he seems to have good rates and everyone I've sent to him has stayed, and he made the referral. I didn't shop around, shame on me, the service is good and I'm happy about things in general.
Hey, so OP, when he did the torque test did he give you a value. Said mine was 85, highest he's ever seen. From where I was sitting looked like 58, just wondering.
Hey, so OP, when he did the torque test did he give you a value. Said mine was 85, highest he's ever seen. From where I was sitting looked like 58, just wondering.
- Thu May 08, 2014 3:43 pm
- Forum: Personal Consumer Issues
- Topic: bathroom exhaust fan placement
- Replies: 18
- Views: 5186
Re: bathroom exhaust fan placement
#2 if you have a choice. Sometimes, and especially if you are venting through the wall and not vertical through the roof, exhaust vent line routing will be constrained by ceiling or floor joists. Also, spend the extra and get a quiet model of 1 sone or less and go with 100-110 cfm instead of an 80cfm. Also, I would get one with a built in light and an electronic wall timer switch and wire the light to come on with the fan. Kids tend to forget to turn on a fan, but will never forget to turn on a light. With the timer the light goes out with the fan, becasue kids never remember to turn off a light. Pretty much covers my thoughts on bathroom fans. http://www.intermatic.com/~/media/Intermatic/Images/Timers%20and%20Time%20Switches/In-Wall%20Time...
- Wed Mar 05, 2014 10:43 am
- Forum: Personal Consumer Issues
- Topic: Do you have a favorite chocolate bar?
- Replies: 86
- Views: 10878
Re: Do you have a favorite chocolate bar?
About 3 bucks for a 3.25oz bar.
- Thu Feb 06, 2014 8:52 am
- Forum: Personal Consumer Issues
- Topic: Best Movies of 2013
- Replies: 83
- Views: 11598
Re: Best Movies of 2013
Valuethinker on 'American Hustle' wrote: ...but I thought some of the acting (especially Christian Bale, Amy Adams, Jeremy Renner) was fantastic. Given the role she had to play, I thought Amy Adams did a fantastic job.
I loved this movie, and yes, wonderful characters with rich interplay. I'd read there was a lot of freedom given to the actors with the dialogue, and whilst director David O. Russell was warned this could change the tone, he thought it added depth. It was a good call.
I loved this movie, and yes, wonderful characters with rich interplay. I'd read there was a lot of freedom given to the actors with the dialogue, and whilst director David O. Russell was warned this could change the tone, he thought it added depth. It was a good call.
- Thu Jan 16, 2014 10:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: High Earners - What's Your Profession?
- Replies: 1217
- Views: 222978
Re: High Earners - What's Your Profession?
Presently, real estate and rentals.
- Fri Jan 10, 2014 3:14 pm
- Forum: Personal Consumer Issues
- Topic: Car Seat Covers
- Replies: 11
- Views: 1610
Re: Car Seat Covers
ScotinUS wrote:We used wetokole (http://www.wetokole.com) seat covers in our last truck and in our Honda element since we have a very large dog. When we sold the Sport Trac the leather seats looked like new - best seat covers I have ever had. They aren't the cheapest but like most things you get what you pay for!
This is an excellent product, have used them in two of my personal vehicles.
- Thu Dec 19, 2013 8:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Bryn Mawr [College]
- Replies: 68
- Views: 7203
Re: Bryn Mawr [College]
There you go, mileage may vary.
- Tue Dec 17, 2013 7:46 pm
- Forum: Personal Consumer Issues
- Topic: Eye Blood Vessel Broke
- Replies: 12
- Views: 1805
Re: Eye Blood Vessel Broke
Locked? She's not asked for medical advice, just if it's happened to others and presumably how they've dealt with it. Certainly actionable and definitely not political.
- Thu Dec 12, 2013 8:43 am
- Forum: Personal Consumer Issues
- Topic: Direct TV?
- Replies: 42
- Views: 8818
Re: Direct TV?
Kuota Rider wrote: Direct TV has the worst customer service on the planet
My friend, Direct TV is a five star hotel when comparing service to Century Link.
My friend, Direct TV is a five star hotel when comparing service to Century Link.
- Sat Nov 16, 2013 9:47 am
- Forum: Personal Consumer Issues
- Topic: Recommend a good pair of slippers!
- Replies: 47
- Views: 9896
Re: Recommend a good pair of slippers!
Something nice and I like deerskin, for practicality, it's crocs and socks.
- Thu Nov 14, 2013 5:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: My relatives insulted my family for 40 years and think they
- Replies: 131
- Views: 14138
Re: My relatives insulted my family for 40 years and think t
Victoria asks: What are your old favorite threads?
I hold this one close, My daughter got a nose pierce! I am not happy. Oct 08, 2008
I hold this one close, My daughter got a nose pierce! I am not happy. Oct 08, 2008
- Thu Nov 14, 2013 4:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: My relatives insulted my family for 40 years and think they
- Replies: 131
- Views: 14138
Re: My relatives insulted my family for 40 years and think t
My new favorite thread.
- Wed Oct 02, 2013 2:14 pm
- Forum: Personal Consumer Issues
- Topic: Have you ever been to Charleston, SC?
- Replies: 16
- Views: 1721
Re: Have you ever been to Charleston, SC?
Yes, rode out Hurricane David aboard a dry docked ship in 1979 at the Charleston Naval Shipyard.
- Wed Sep 25, 2013 8:53 am
- Forum: Personal Consumer Issues
- Topic: An investment in CO (climbing)
- Replies: 18
- Views: 2641
Re: An investment in CO (climbing)
I think I got a little dizzy! Very nice.
- Sun Sep 22, 2013 10:14 pm
- Forum: Personal Investments
- Topic: any good funds in this list
- Replies: 10
- Views: 1943
Re: any good funds in this list
SSgA S&P 500 Index 65%
You knew what she meant though.
You knew what she meant though.
- Sun Sep 22, 2013 10:09 am
- Forum: Investing - Theory, News & General
- Topic: Long-Term Investment-Grade SEC yield > 5%
- Replies: 34
- Views: 5357
Re: Long-Term Investment-Grade SEC yield > 5%
" ....it is basically david swensen's argument in Unconventional Success."
And Larry Swedroe's main argument against holding high yield bond funds. From memory, he'd stated that only short term corporate bond investors were adequately rewarded, and eventually drifting even more from that conservative position as calls became prevalent. I like the idea of the highest quality fixed income available and taking the risk on equities, too much mental accounting for me otherwise.
And Larry Swedroe's main argument against holding high yield bond funds. From memory, he'd stated that only short term corporate bond investors were adequately rewarded, and eventually drifting even more from that conservative position as calls became prevalent. I like the idea of the highest quality fixed income available and taking the risk on equities, too much mental accounting for me otherwise.
- Fri Sep 20, 2013 6:42 am
- Forum: Investing - Theory, News & General
- Topic: Who do you guys discuss investment strategies with?
- Replies: 56
- Views: 12630
Re: Who do you guys discuss investment strategies with?
I tend to lose them right around uncompensated risk, I'm down to you guys and the dog for discussion purposes.
- Thu Sep 19, 2013 7:45 pm
- Forum: Investing - Theory, News & General
- Topic: Portfolio Size and Asset Allocation
- Replies: 27
- Views: 4485
Re: Portfolio Size and Asset Allocation
Some of the prettier graphs we've had here.
- Mon Sep 16, 2013 7:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: New Home: Build vs Used
- Replies: 29
- Views: 3791
Re: New Home: Build vs Used
I like used, the ability to select from finished and settled houses. Homes in that 15-20 yr range all would have the higher amp service panels, PVC sewer lines, and much of the same safety code as today.
And check those floodplain maps, in the last week I've seen places flood out in my town, that have totally surprised me.
And check those floodplain maps, in the last week I've seen places flood out in my town, that have totally surprised me.
- Sat Sep 14, 2013 8:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Got fired earlier this week, now the boss wants me back
- Replies: 123
- Views: 20518
Re: Got fired earlier this week, now the boss wants me back
I say move on, and " work part-time so I could spend more time with the family, and to pursue other interests." You only come this way once, looks like you have a nice financial anchor there, I'd take what I need emotionally.
- Fri Sep 13, 2013 3:08 pm
- Forum: Investing - Theory, News & General
- Topic: Severe criticism of DFA's "profitability" factor research
- Replies: 103
- Views: 24124
Re: Severe criticism of DFA's "profitability" factor researc
I'm sure there are cases where that's true, but with Vanguard I don't see it.
Tax-adjusted Return .........5yr..10yr..15yr Morningstar*
VTSMX Vang TSM............. 7.37 7.39 5.92
VIVAX Vang LgV Indx .........6.32 7.04 5.38
Tax-adjusted Return .........5yr..10yr..15yr Morningstar*
VTSMX Vang TSM............. 7.37 7.39 5.92
VIVAX Vang LgV Indx .........6.32 7.04 5.38
- Fri Sep 13, 2013 2:38 pm
- Forum: Investing - Theory, News & General
- Topic: Severe criticism of DFA's "profitability" factor research
- Replies: 103
- Views: 24124
Re: Severe criticism of DFA's "profitability" factor researc
" You have to ask "Why bother?"
This is where it always seems to end up with tilting , and especially in non-tax advantaged accounts, the after tax returns and risk adjusted gains of a TSM index are extremely hard to beat.
This is where it always seems to end up with tilting , and especially in non-tax advantaged accounts, the after tax returns and risk adjusted gains of a TSM index are extremely hard to beat.
- Wed Sep 11, 2013 7:52 pm
- Forum: Personal Consumer Issues
- Topic: Drainage issue - Requesting Your Thoughts
- Replies: 14
- Views: 2690
Re: Drainage issue - Requesting Your Thoughts
French drain and swale is the one I'd go with. The buffer of the French drain mitigates slower drains, in the event, and it's just a better all-around set-up.
- Wed Sep 11, 2013 2:05 pm
- Forum: Investing - Theory, News & General
- Topic: Severe criticism of DFA's "profitability" factor research
- Replies: 103
- Views: 24124
Re: Severe criticism of DFA's "profitability" factor researc
It's handy science, a marketing answer for those buzzword savvy investors who need something that fits the Grantham 'high-quality stocks' mold.
- Wed Sep 11, 2013 11:23 am
- Forum: Investing - Theory, News & General
- Topic: Severe criticism of DFA's "profitability" factor research
- Replies: 103
- Views: 24124
Re: Severe criticism of DFA's "profitability" factor researc
^ This you? Enjoyed the book if so.
- Tue Sep 10, 2013 7:23 pm
- Forum: Investing - Theory, News & General
- Topic: Severe criticism of DFA's "profitability" factor research
- Replies: 103
- Views: 24124
Re: Severe criticism of DFA's "profitability" factor researc
I was having flashbacks of Yobria there! Cool.
- Sat Sep 07, 2013 7:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: [Compensation for] Overtime
- Replies: 32
- Views: 4072
Re: [Compensation for] Overtime
Odd corporate culture, to pull something out of the bag that would seem so worker unfriendly, without putting some positive spin on it beforehand.
- Sat Sep 07, 2013 7:25 pm
- Forum: Personal Consumer Issues
- Topic: Those silly lotion containers
- Replies: 44
- Views: 10154
Re: Those silly lotion containers
I think the problem continues to be making a vertical dispenser with an inverted cone design that doesn't tip easily. No inkling on the aerosols, I have felt your pain.
- Sun Sep 01, 2013 6:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Retire early and save money on health care
- Replies: 10
- Views: 2617
Re: Retire early and save money on health care
That's too much work, you got to move all your stuff, I hate moving. The tax credits are so rich on ACA that if, as a couple you stay below 62k or single below 46k income , the coverage becomes amazingly affordable for the 50-64 year olds. My calculations say maybe $400-$600 a month per person on a Silver Plan, those prices put early retirement on the table for a lot of people.
Boomers may benefit most from Obamacare, MarketWatch 30Aug2013
http://blogs.marketwatch.com/encore/201 ... obamacare/
Boomers may benefit most from Obamacare, MarketWatch 30Aug2013
http://blogs.marketwatch.com/encore/201 ... obamacare/
- Sat Aug 31, 2013 5:17 pm
- Forum: Personal Consumer Issues
- Topic: Denver - where to stay, what to do and see?
- Replies: 39
- Views: 4352
Re: Denver - where to stay, what to do and see?
If that's the week of Sunday the 15th, the St Louis Cards are in town Mon-Thu, and the Diamondbacks Fri-Sun. Great time of year to take in a ballgame here, the weather is postcard perfect and the sunsets for the night games can be spectacular. Good tickets at the window in the $25-$45 and the 'Rockpile' centerfield bleacher seat are almost always available and are $4.
- Sat Aug 31, 2013 3:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Simple IRA offered by new employer
- Replies: 9
- Views: 1220
Re: Simple IRA offered by new employer
It's always the total return, in portfolios, in work, in life. If the job is to your liking and the pay reasonable, there are worse things than having part of your portfolio in taxable accounts. Sometimes there's even advantages to holding equities there.
- Thu Aug 29, 2013 5:35 pm
- Forum: US Chapters
- Topic: Au revoir mes amis
- Replies: 39
- Views: 8433
Re: Au revoir mes amis
- this is by design more of a question-answer forum than a community.
Wasn't always like that. I liked it much better before the non-profit status, we got just as much good work accomplished and had a lot more fun. Easy for me to say, I don't pay the bills, just reminiscing.
Wasn't always like that. I liked it much better before the non-profit status, we got just as much good work accomplished and had a lot more fun. Easy for me to say, I don't pay the bills, just reminiscing.
- Thu Aug 29, 2013 1:51 pm
- Forum: Personal Consumer Issues
- Topic: In contract on home with settlement and drainage concerns
- Replies: 17
- Views: 2486
Re: In contract on home with settlement and drainage concern
I need to get better at determining what people want to hear.