Search found 917 matches

by JPH
Tue Nov 19, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: market went down in 2018, so why do people forget that
Replies: 28
Views: 2402

Re: market went down in 2018, so why do people forget that

What happens in a calendar year is given too much importance.
by JPH
Sun Nov 10, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2435

Re: Fruit Fly Problem

Are you sure they're not fungus gnats? Those resemble fruit flies. They reproduce in the soil of potted plants that are kept moist. We had them in potted orchids. They can be controlled simply by allowing the soil to dry out a bit between waterings. For true fruit flies?? Get a lizard?
by JPH
Fri Nov 08, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9520

Re: H&R BLOCK Pre-Order 2019 Software Offer

Just bought and installed it too. Thanks for providing the link. Every year, including 2019, this program nags me to upgrade my screen resolution every time I launch it. All screens look fine to me so I never mess with it. They say I need at least 1024 x 768 resolution, but my current settings are 1...
by JPH
Tue Nov 05, 2019 5:16 pm
Forum: Personal Investments
Topic: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?
Replies: 11
Views: 566

Re: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?

In some instances I would get more satisfaction from using my profits from one company to buy the products of their competitors.
by JPH
Wed Oct 30, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175728

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

JohnF wrote:
Wed Oct 30, 2019 9:35 am
Were most of the miles put on during the hot summer months?
February to November in South Texas. Never very cold here. Lots of short trips.
by JPH
Wed Oct 30, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175728

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Thank you for a detailed report on the 1.5 engine. Maybe you can answer some other related questions: - what was the mileage on the engine at the start of that 7,001 miles? 14799 - did you have the Honda software 'fix' installed at any time before or during this oil life test? No - has any other wo...
by JPH
Tue Oct 29, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175728

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Just received this information from Polaris Labs, oil analysis laboratory, discussing oil contamination. FUEL DILUTION It is normal to see low levels of fuel in engine oils as a byproduct of the combustion/ignition process. When fuel levels start to exceed 1%, the lubricant's viscosity will begin t...
by JPH
Sun Oct 27, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: How much does a "good school district" matter?
Replies: 76
Views: 6610

Re: How much does a "good school district" matter?

A lot depends on the individual teachers. All schools have both good and bad teachers. Environment and facilities matter too. But the schools I attended as a child basically had only desks and a chalkboard.
by JPH
Fri Oct 25, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 2413

Re: Brisket Recipe

The problem that I have always had with doing a brisket on a Weber Kettle was keeping a constant temperature. I use a wifi thermometer and the high and low alarms go off constantly. And the temperature plunges every time you open the lid to add more wood or charcoal. I have done pastrami: both home...
by JPH
Fri Oct 25, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 2413

Re: Brisket Recipe

The problem that I have always had with doing a brisket on a Weber Kettle was keeping a constant temperature. I use a wifi thermometer and the high and low alarms go off constantly. And the temperature plunges every time you open the lid to add more wood or charcoal. I have done pastrami: both home ...
by JPH
Tue Oct 22, 2019 10:23 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12106

Re: High income earner waiting for a bear market to start investing

You said "I know there will be a downturn." If you also know when, then your plan seems excellent.
by JPH
Sun Oct 13, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: 1 week camping tour, Phoenix-El Paso, suggestions?
Replies: 21
Views: 1231

Re: 1 week camping tour, Phoenix-El Paso, suggestions?

If you have any interest in taking a rowboat ride from Big Bend National Park to the small village of Boquillas, Mexico, don't forget to take your passport. It would involve a short ride on a burro or in the back of a pickup truck.
by JPH
Wed Sep 11, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4647

Re: Best Dog Car?

An F150
by JPH
Fri Sep 06, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Should I join an elite social club for adults?
Replies: 27
Views: 3361

Re: Should I join an elite social club for adults?

If you want good friends it's going to cost you.
by JPH
Wed Sep 04, 2019 7:12 am
Forum: Personal Investments
Topic: Any 1811 on this forum???
Replies: 11
Views: 1551

Re: Any 1811 on this forum???

Just post your questions and 1811's will reply if they are out there. So will many others.
by JPH
Wed Sep 04, 2019 7:08 am
Forum: Investing - Theory, News & General
Topic: For those who have bonds in taxable, why and which ones?
Replies: 42
Views: 3707

Re: For those who have bonds in taxable, why and which ones?

Vanguard Wellesley Fund. I have owned it in taxable for over 40 years. I don't really like it there, but I also don't want to pay taxes.
by JPH
Wed Sep 04, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 4055

Re: Pre-paid Funeral Expenses

bernie wrote:
Wed Sep 04, 2019 6:35 am
Thanks all for your help.
But nobody answered your question.
by JPH
Tue Sep 03, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2734

Re: What's your "philosophy" on youth sports?

This sounds a little fishy to me. Are you sure that fear of getting hit by a pitch is the real reason he wants to quit? Consider exploring a little deeper just to make sure there is not some other problem that you could help him with. If he wants to quit and really understands why, then let him quit.
by JPH
Fri Aug 30, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 6304

Re: College age male: How much money for food?

Brings back many memories. BP&J on white bread, beef hearts, boxed macaroni & cheese mix, and SPAM. Not bad at all. A Boglehead before it was cool!
by JPH
Thu Aug 29, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: While there is a high school question - my daughter wants to graduate early
Replies: 76
Views: 3925

Re: While there is a high school question - my daughter wants to graduate early

She's earned the right. I say go for it if she sees it as a positive.
by JPH
Sun Aug 25, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6275

Re: Physician quality and experience

Im an internist and most often the comment i receive from patients is that i am more up to date and aware of recent therapies than experienced docs. Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication fi...
by JPH
Sun Aug 25, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6275

Re: Physician quality and experience

Im an internist and most often the comment i receive from patients is that i am more up to date and aware of recent therapies than experienced docs. Do you think there's a tendency for new physicians to gravitate toward the newer therapies as the first choice rather than trying an old medication fi...
by JPH
Sat Aug 24, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6275

Re: Physician quality and experience

I'm a new doc and I have to say, personally I generally advise my family members to seek someone with around 15 years experience, particularly if it's in a procedure based specialty. At 15 yrs a doc is young enough to be familiar with newer technologies but experienced enough to, well, know what th...
by JPH
Fri Aug 23, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6275

Re: Physician quality and experience

A complicated question, but most evidence suggests a slow decline in quality of care as years in clinical practice increase. However, I don't know of any study focusing on recent fellowship graduates. Medical information increases at a tremendous rate, and the half life of medical knowledge is rela...
by JPH
Fri Aug 23, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6275

Re: Physician quality and experience

A complicated question, but most evidence suggests a slow decline in quality of care as years in clinical practice increase. However, I don't know of any study focusing on recent fellowship graduates. Medical information increases at a tremendous rate, and the half life of medical knowledge is relat...
by JPH
Thu Aug 22, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 10512

Re: Prepare for Recession?

I guess I feel pretty well prepared now with my level of savings and AA. I have lived through past recessions. I stayed the course, and my standard of living did not change. I would rather not live through another recession but do not worry about it.
by JPH
Thu Aug 22, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: 4% withdrawal success rate stats
Replies: 15
Views: 2096

Re: 4% withdrawal success rate stats

HawkeyePierce wrote:
Wed Aug 21, 2019 4:56 pm
Are you referring to the Trinity study?

Here’s a Vanguard paper on it: https://www.vanguard.com/pdf/s325.pdf

(Trivia: Trinity is my alma mater :happy)
Trinity has a great radio station.
by JPH
Wed Aug 21, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Selling fruits & vegetables from backyard garden at local farmer's markets?
Replies: 13
Views: 1296

Re: Selling fruits & vegetables from backyard garden at local farmer's markets?

What about collecting state and local sales taxes? In my area no sales taxes are collected on food, but that may vary.
by JPH
Mon Aug 19, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3258

Re: Pharmacist to Data Analyst Role

An MS in Statistics or related would be ideal. When I was getting my PhD there were several MS students from different fields (Food Science, Psychology, Geology, even Philosophy!) going back to get an MS to change careers. They all have really good jobs now. Any reputable universities near you? I b...
by JPH
Mon Aug 19, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Idea for a basic drawing book for granddaughter...
Replies: 28
Views: 1560

Re: Idea for a basic drawing book for granddaughter...

I cannot recommend one, but possibly consider taking her to the library. She could look at many and check out a few.
by JPH
Mon Aug 19, 2019 1:52 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13872

Re: When Did You Ease Up On Saving Aggressively?

Never. I am retired and still try and "save" a portion of my RMD.
by JPH
Sat Aug 17, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: "I've reproduced 130+ research papers about "predicting the stock market""
Replies: 11
Views: 2191

Re: "I've reproduced 130+ research papers about "predicting the stock market""

Interesting, but I'm as skeptical of the methods used in the reproduction as I am of those used in the original research papers. Who is the author chiefkul? To properly reproduce 130+ studies is a heroic undertaking. How were the selected studies identified, selected, and analyzed? If legitimate, wh...
by JPH
Fri Aug 16, 2019 6:56 am
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4949

Re: Any retired person have stocks and cash I was thinking about a 70/30

If you are risk averse, then why have 70% in stocks? I don't see a huge difference between 30% in cash, short-term bonds, or total bond fund. Do you have a huge need to grow your stock portfolio? Or is it more about having a lot of available cash for emergencies? What exactly keeps you awake at night?
by JPH
Wed Aug 14, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5918

Re: Do you "lock" computers in your home?

*unlocks computer* I use full disk encryption on every drive, including removable drives. And I lock the computer when I'm not physically sitting at it. The main reason I lock it is that I'm required to do so at work, even if I'm just getting coffee or retrieving a printout. So it's easier to do it...
by JPH
Wed Aug 14, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Provider choosing to bill as out of network
Replies: 43
Views: 3722

Re: Provider choosing to bill as out of network

I would contact the insurer to try and find out what is going on. Confirm that the doctor was in network on the day of your visit. The website could be out of date. My BCBS plan has patient representatives that are very helpful and easy to work with.
by JPH
Sun Aug 11, 2019 7:35 am
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6513

Re: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?

If you are nervous with your present allocation, then maybe it is time for a change. Move to an allocation that you are comfortable with now and that will allow you to sleep well through future downturns/recessions. Your comfort is important; exact allocation is unimportant.
by JPH
Thu Aug 08, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2335

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

I'm not sure what you mean by "Data Science/Analytics." Is it statistical analysis of research data? That can involve a lot of fiduciary responsibility as the client sometimes does not know much. They know what results they want and expect. You would need to know what is correct. It is possible to m...
by JPH
Mon Aug 05, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: The Super rich are selling stocks...
Replies: 13
Views: 3599

Re: The Super rich are selling stocks...

Because they can afford to use advisors.
by JPH
Sun Aug 04, 2019 6:53 am
Forum: Personal Investments
Topic: Not sure I could FIRE...boredom might ensue...
Replies: 30
Views: 4056

Re: Not sure I could FIRE...boredom might ensue...

Avoidance of boredom is a terrible reason to pursue a career.
by JPH
Sat Aug 03, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 5314

Re: Dentist: Is this acceptable?

I attend a university-based faculty practice program. Examination and cleaning always are scheduled independently; sometimes on the same day and sometimes on different days. If I specify cleaning, then I only see the hygienist.
by JPH
Fri Aug 02, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: Variance calculation - why are the deviations squared?
Replies: 16
Views: 792

Re: Variance calculation - why are the deviations squared?

In a symmetrical distribution (e.g., normal) positive deviations will cancel negative deviations when averaged. Squaring prevents this. The original scale is restored by taking the square root.

If this was a homework question, you must give me credit. :happy
by JPH
Thu Aug 01, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Favorite Lunch Box or Bag
Replies: 22
Views: 1247

Re: Favorite Lunch Box or Bag

Hopalong Cassidy Lunch Box
by JPH
Thu Aug 01, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Day care vs nanny for child care
Replies: 62
Views: 3701

Re: Day care vs nanny for childcare

Mine surely is an extreme outlyer data point but one that should be considered. We hired a young woman that lived down the street from us as a nanny. We superficially knew the family, and she was recommended by another neighbor. Soon we found evidence that her boyfriend was spending time there. Once...
by JPH
Wed Jul 31, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Tropical fruits guava etc
Replies: 7
Views: 808

Re: Tropical fruits guava etc

As Sandtrap says, the jelly might be a better option. It is hard to find guava suitable as a hand fruit. The jelly also is sold in bricks at Hispanic food stores.
by JPH
Fri Jul 26, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4519

Re: Weed clearing: Landlord vs. tenant responsibility?

I doubt that this would work on a 2 acre lot, but I'll mention it anyway. My nephew, who is a farmer, will mow vacant lots and just take the hay as payment.
by JPH
Fri Jul 26, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4519

Re: Weed clearing: Landlord vs. tenant responsibility?

Renters usually mow their own lawns. How is this different?
by JPH
Fri Jul 26, 2019 7:24 am
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 7290

Re: What to do in a crash

If you are worried you could cut your expenses a bit.
by JPH
Mon Jul 22, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3272

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

The dogs might eventually become accustomed to the people and stop barking. When they opened a linear hiking park in my neighborhood, the dogs on the adjoining yards barked at every passerby. Now they never bark.