Search found 865 matches

by JPH
Tue Jul 09, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 5955

Re: my best new travel tip only $2 per day more

I took the regular city bus once to and from the airport. A very long trip with transfers, but I managed. Senior fare for me now is $0.50 each way. I'm not planning to do it again.
by JPH
Tue Jul 09, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6175

Re: Buying a Smoker

My go to source is Aaron Franklin's book "Meat Smoking Manifesto." It's all about using the Texas-style offset smoker. He goes into a lot of detail about smoker design for proper airflow. Many have the chimney in the wrong place, which allows the smoke to escape without contacting the meat. He also ...
by JPH
Tue Jul 09, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

The battery failed on my 2017 CRV at 18,700 miles. It failed vey suddenly. No problem at all when we left home for the grocery 0.5 miles away. But when we came out it, made a brief whirring noise on the first attempt to start, then went silent.
by JPH
Mon Jul 08, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 26920

Re: Americans believe they need $1.7 million, on average, to retire

Who did they survey? Millionnaires? The average American probably cannot imagine ever having even one million.
by JPH
Thu Jul 04, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 6649

Re: Parents got ripped off, what can I do about it?

Plumber: That will be $580, sir.
Customer: $580!! I'm a doctor, and I can't charge that much.
Plumber: I couldn't charge that much either when I was a doctor.
by JPH
Mon Jul 01, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: What do you do if you get in an accident?
Replies: 26
Views: 1936

Re: What do you do if you get in an accident?

A police report is of little value if the police did not witness the accident. In my community they say to just pull your vehicles out of the way if not disabled and exchange information. If the police are called their report will basically contain the information on documents the drivers present. I...
by JPH
Sat Jun 29, 2019 6:44 am
Forum: Personal Investments
Topic: Best fine grained retirement calculator
Replies: 15
Views: 2872

Re: Best fine grained retirement calculator

Fine grained retirement calculator? It sounds almost oxymoronic to me. I'd be afraid this could give one a very false sense of comfort or fear. I look for the broadest range of possible outcomes in my planning.
by JPH
Mon Jun 24, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2337

Re: Clearing undergrowth and bush

Watch out for poison ivy.
by JPH
Sun Jun 23, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Daughter: Vanguard, Fidelity, or Something Else
Replies: 20
Views: 1580

Re: Helping Daughter: Vanguard, Fidelity, or Something Else

just1question wrote:
Sun Jun 23, 2019 4:11 pm
Also, I have no desire to disparage anyone, including a bank, anonymously online.
:sharebeer
by JPH
Sat Jun 22, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4680

Re: Do you Casino? What do you play? Have you won?

A few years ago there was a professional poker player seeking advice on this forum. He did not stick around for long, but you might enjoy his post.
viewtopic.php?f=1&t=171941
by JPH
Fri May 31, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Cataract Surgery Choices? Protocols? Cost and sight?
Replies: 8
Views: 570

Re: Cataract Surgery Choices? Protocols? Cost and sight?

NOTE: her current glasses and contact lens prescriptions have changed greatly in a year and is now out of date (due to cataracts) and because of that she will not be able to see well with her current glasses for either two weeks or for 3 months depending on the surgeon she chooses. She's seen two c...
by JPH
Thu May 30, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 16536

Re: Fun paid jobs after FIRE

Be a participant in medical research studies.
I would like to lead walking tours of my historic city.
by JPH
Mon May 27, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: Magellan Fund - - from winner to loser

When I inherited a small amount of money many years ago I decided to make my first investment. I purchased the copy of Money with the year-end fund rankings and put everything on Fidelity Magellan, the winner that year. JPH: I hope this forum encouraged you to sell your "winner" Magellan fund. Morn...
by JPH
Sun May 26, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

Rats. Now I'll have to read "Highlights for Children" in the dentist's waiting room. Exactly! I too look for Money in the waiting rooms. When I inherited a small amount of money many years ago I decided to make my first investment. I purchased the copy of Money with the year-end fund rankings and p...
by JPH
Sat May 25, 2019 8:55 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2799

Re: MEMORIAL DAY

Taylor, thank you for keeping the memory strong. You are right; we must never forget and God forbid, repeat.
by JPH
Fri May 24, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

So, actually it seems they started contacting victims (er, customers) on April 5. Old news CR! I reckon I'm not on the list or would have been contacted by now. Wonder what it takes to be a privileged victim? They need to develop a conscience and deal honestly with their CRV customers instead of co...
by JPH
Wed May 22, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: Regression to the Mean - and our money
Replies: 16
Views: 1640

Re: Regression to the Mean - and our money

There are several previous threads on this. Search also for the related and more mystical term "mean reversion," which may more closely capture what you are talking about. In a statistical sense regression to the mean is related to measurement error. Everything is measured with some error, including...
by JPH
Mon May 20, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 18255

Re: Very High Net Worth, elite private or “good” public

If money is not an issue, I see no disadvantage to an elite private school. Try it. If issues arise that cause concern, then switch to another private school or public school.
by JPH
Sun May 19, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3171

Re: Synthetic oil or not for very low mileage auto?

What’s the best oil to use? Ah, the million dollar question. We are an independent lab, so we don’t make recommendations. It has been our experience that oil is oil, and either petroleum or synthetic-based oil will work well for just about any engine. Come on, you’re holding out on me. I should use...
by JPH
Wed May 15, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Regulate Office Temperature
Replies: 31
Views: 2247

Re: Regulate Office Temperature

I had a similar problem once. I called the maintenance department. They came up and took an accurate reading of the room air temperature and found it too high. So they made an adjustment to the air handling system, not the thermostat. Do you know the true temperature of your room air? Is it really 7...
by JPH
Sat May 11, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

CULater, I'm following your updates and hope you will keep them coming. Ignore the noise.
by JPH
Fri May 10, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2513

Re: Hearing getting bad, which Hearing Aids would you recommend ??

On my Widex hearing aids I think the directional feature is not very effective. They placed one microphone at the very top of the case and a second microphone a few millimeters behind the first. The forward microphone is supposed to pick up sound in front of you and the rear one is supposed to pick ...
by JPH
Tue May 07, 2019 6:51 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13693

Re: I tried to fire my financial advisor of 12 years today...

Just imagine if your boss fired you because you were negatively impacting his income and you asked him to just think about it over the weekend. Would it work?
by JPH
Sun May 05, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Am I out of line to request a refund for dental work that hasn't been done?
Replies: 43
Views: 3512

Re: Am I out of line to request a refund for dental work that hasn't been done?

You approved the plan and the cost. Then you changed your mind. Pay up.
by JPH
Sat May 04, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: Reversion to the Mean Is Dead?
Replies: 63
Views: 6852

Re: Reversion to the Mean Is Dead?

Reversion to the mean has always been dead.
by JPH
Tue Apr 30, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1211

Re: Kids fishing gear

Zebco 33. I still use it.
by JPH
Thu Apr 25, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3259

Re: Why would Ortho push for Invisalign? (non-medical question)

What is your issue? If they mail you the appliances won't that save you time too?
by JPH
Sun Apr 21, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How to get USAA insurance?
Replies: 20
Views: 2050

Re: How to get USAA insurance?

I knew someone that was accepted based on his service in the US Public Health Service.
by JPH
Tue Mar 26, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: New Hampshire PhD student – Rent or Buy
Replies: 13
Views: 694

Re: New Hampshire PhD student – Rent or Buy

You have not listed any advantages to buying over renting. I bought a house when I started graduate school. We lived there for 4 years, sold it with no difficulty and moved on. I bought another house in my new location. We lived there for 2 years while I was a postdoc. Getting out of that was diffic...
by JPH
Sat Mar 16, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Smoking tire/wheel/brake one week after wheel alignment
Replies: 24
Views: 1429

Re: Smoking tire/wheel/brake one week after wheel alignment

They usually only align the front wheels on my car.
by JPH
Fri Mar 15, 2019 5:57 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 75
Views: 5016

Re: What role do bonds play in your portfolio?

The bonds are what I will live off of if my stocks fall to zero or are expended. If that does not happen, then my kids will inherit the bond allocation. If my bonds make money, then I am happy. If not, it will not affect my standard of living.
by JPH
Mon Mar 11, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

The thread has been helpful to me and I am following it. It's amazing how many people have nothing better to do than follow a thread for over a year that they seem to have no use for and keep commenting. Maybe this site is more addictive than I imagined.
by JPH
Fri Mar 08, 2019 9:19 am
Forum: Personal Investments
Topic: Oppenheimer???? Stay out of this or help???
Replies: 29
Views: 2254

Re: Oppenheimer???? Stay out of this or help???

Tell them that most people use a financial advisor because they believe they need to beat the market, and think that must take special skill that is worth paying for. In their situation, preservation of their money is all that is needed and that does not warrant spending money for expensive expert a...
by JPH
Thu Mar 07, 2019 10:57 am
Forum: Personal Investments
Topic: Most NON obvious thing for new investors
Replies: 58
Views: 7560

Re: Most NON obvious thing for new investors

Most non-obvious thing is "Just Stand There."
by JPH
Fri Mar 01, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8858

Re: How do YOU make coffee?

I was at an international street festival one time where some Eritrean people had a booth selling samples of their native food, but not coffee. I watched as they collected some sticks from the surrounding area and built a fire. Then they boiled some water and made coffee for their own refreshment. T...
by JPH
Fri Feb 08, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: My wife going back to school for Masters in Counseling - online
Replies: 48
Views: 2828

Re: My wife going back to school for Masters in Counseling - online

My 74 year old sister-in-law completed a doctoral degree in special education. She works in a slum neighborhood alternative school, has a long commute, and makes very little money. However, she loves it and has no plans to do anything different. If your wife has that kind of fire in her belly, then ...
by JPH
Sun Feb 03, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

Yeah, that's where I was - stuck between a car with an engine that would slowly destroy itself over time and a lemon law that didn't help in a situation like this. Thankfully I was able to bail without taking too big of a financial hit. Hopefully others will be able to figure a way out. Why do you ...
by JPH
Sun Feb 03, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

Yeah, that's where I was - stuck between a car with an engine that would slowly destroy itself over time and a lemon law that didn't help in a situation like this. Thankfully I was able to bail without taking too big of a financial hit. Hopefully others will be able to figure a way out. Why do you ...
by JPH
Sun Feb 03, 2019 8:39 am
Forum: Personal Investments
Topic: Kindergarten-level question about Money Market fund
Replies: 19
Views: 1893

Re: Kindergarten-level question about Money Market fund

MM funds are considered very safe by most but lack FDIC insurance. I cancelled my checkwriting on the Vanguard Prime MM fund some time ago, but there used to be a minimum amount for checkwriting. If you write small checks, then it probably would not work as your primary checking account.
by JPH
Sat Feb 02, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts? What to do? [When can I buy a house?]
Replies: 9
Views: 913

Re: Thoughts? What to do? [When can I buy a house?]

You might benefit from reading through this concurrent thread.

viewtopic.php?p=4357670#p4357670
by JPH
Sat Feb 02, 2019 3:25 pm
Forum: Personal Investments
Topic: Help with unwanted "retirement"
Replies: 29
Views: 5117

Re: Help with unwanted "retirement"

Welcome. I'm sorry to hear of your situation. Is there any way to generate an income, even for a few more years? Even a part time job of some kind could make a big difference. Are you mentally ready to retire? Don't assume that just because your current profession seems to be in jeopardy that full r...
by JPH
Sat Feb 02, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Early Braces: Financial Strategy
Replies: 17
Views: 1362

Re: Early Braces: Financial Strategy

It is still controversial as to the best time to start orthodontic treatment. As you have found some prefer to treat early and some prefer to wait until adolescence. The theory behind doing it early is that it is possible to slightly encourage beneficial skeletal growth in a young child. The differe...
by JPH
Fri Feb 01, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1118
Views: 158616

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

It's official folks: the fix don't fix nuttin' Pretty soon I'll need to get another oil change and send an oil sample into Oil Analyzers to document high fuel in oil once again. That's what I'm doing too. It costs me a bit but I'm sending a sample for analysis before each oil change to document tha...
by JPH
Fri Feb 01, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2362

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

If you are talking long-term, then it is not the best plan. I don't usually have immediate access to much cash. I have a multi-layered "emergency fund." I carry only $20-40 in my wallet. I have a small checking account and a small bank savings account. I use the savings account to refresh the checki...
by JPH
Wed Jan 30, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Legos as alternative asset class
Replies: 36
Views: 2865

Re: Legos as alternative asset class

I know an adult who is into this hobby. He buys miscellaneous used sets. He has cataloged all the pieces in his collection in a database. When he is ready to build a project he will query the database to see if he has all the parts needed.
by JPH
Wed Jan 30, 2019 8:15 am
Forum: Investing - Theory, News & General
Topic: FIRECalc, do you accept their assumption?
Replies: 91
Views: 8883

Re: FIRECalc, do you accept their assumption?

FIRECalc, do you accept their assumption? Why or why not? It is a crap shoot. Just like Monte Carlo, or any other predictions of the future. Still provides usefull guidance IMO Until the TimeLord can predict, and tell us our future, we are all pretty much guessing. I like to think that things can't...
by JPH
Sun Jan 27, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4713

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

I leave mine on but am wondering if this is true. It can be hacked if it is on but not if it is off. Is that a reason to leave it off except when in use?
by JPH
Sat Jan 26, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Argument against equity in early stage?
Replies: 75
Views: 3624

Re: Argument against equity in early stage?

Not having a large portfolio is a problem for most young investors. You just need to set an AA and push through that stage. Trying to prepare for a 5 year period of unemployment is pretty difficult. I'm not you, but I would relax a bit and just keep investing as much as you are comfortable with. You...
by JPH
Sat Jan 26, 2019 8:13 am
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3918

Re: Happy Birthday, Taylor!

Wishing you a very happy birthday and a fine year ahead.