Search found 286 matches

by cdelena
Thu Dec 11, 2008 11:03 pm
Forum: Personal Consumer Issues
Topic: Senate Agrees to Auto Bailout
Replies: 45
Views: 6942

Yeah, this is what I see... Auto Bailout Bill Collapses in Senate Despite Intense Negotiations Democratic leaders and the White House made final pleas for the bill's passage on Thursday, but the two sides in the Senate failed to forge a compromise. [political comment removed] 'Republicans, after rev...
by cdelena
Sun Dec 07, 2008 3:05 pm
Forum: Personal Consumer Issues
Topic: Mediterranean or Alaska cruise? Can't decide........
Replies: 37
Views: 11916

We have done cruises in both areas and there is simply no comparison... the Mediterranean cruise is the winner. As interesting and beautiful as Alaska is, the experiences and interactions in the Mediterranean stops were far more desirable to us.
by cdelena
Sun Dec 07, 2008 2:55 pm
Forum: Personal Consumer Issues
Topic: Why I shut down half of my business this week
Replies: 29
Views: 6856

Thanks for your viewpoint. It is interesting and a bit depressing to hear how the wheels can come off a valuable and profitable venture. I left corporate employment a few years ago but knew that I could supplement my income as an IT consultant with thirty years experience and in-depth knowledge in s...
by cdelena
Thu Dec 04, 2008 12:44 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report
Replies: 11
Views: 3432

Thanks for the update... I am looking just as miserable as most, down 33% YTD.
by cdelena
Sun Nov 23, 2008 10:24 pm
Forum: Personal Consumer Issues
Topic: Phoning Home via Laptop From Overseas
Replies: 6
Views: 2001

Use MS meeting complete with cameras... Have carried on video conferencing all over the world with decent bandwidth... "Microsoft NetMeeting offers low cost video conferencing over the Internet with reasonable video/audio quality. The software NetMeeting can be downloaded from Microsoft free of char...
by cdelena
Sun Nov 23, 2008 2:36 pm
Forum: Personal Consumer Issues
Topic: Survival Strategies
Replies: 27
Views: 5153

A severe earthquake is the most likely scenerio for disaster and lack of services in many areas. Water may be the most critical issue in many households (good point above about the water heater) so it is something many should address now, even if it is only (as my neighbor does) a few cases of bottl...
by cdelena
Sun Nov 23, 2008 2:26 pm
Forum: Personal Consumer Issues
Topic: The myths of car use and maintenance
Replies: 48
Views: 10317

I have a 92 honda accord with 260,000 miles, an 86 toyota truck with 160,000 miles and my wifes 05 toyota highlander with 50,000 miles. All of these vehicles we bought new. I have always changed the oil about 3000 miles. The oil gets dirty and by changing it along with the filter, I am removing the...
by cdelena
Fri Nov 14, 2008 1:07 pm
Forum: Personal Consumer Issues
Topic: Best Digital Picture Frame?
Replies: 23
Views: 4064

The one we have for my mother works very well because the kids from all over the country put pictures in it from the net.

http://www.ceiva.com/

The downside is the subscription cost and hook-up to a phone line but it is ideal for older folks that do not use computers.
by cdelena
Tue Nov 11, 2008 11:06 pm
Forum: Personal Consumer Issues
Topic: What if auto companies don't get bailed out?
Replies: 79
Views: 12605

Although we are not supposed to state the obvious on this forum, I will take that risk by saying the US auto bailout has everything to do with appeasing the unions not much to do with good business. Not supposed to go there though, so I will avoid more comments about the marriage between unions and...
by cdelena
Mon Nov 10, 2008 12:51 pm
Forum: Personal Consumer Issues
Topic: What if auto companies don't get bailed out?
Replies: 79
Views: 12605

Detroit is hampered by two major issues; long-term liabilities (substantially under-funded) for retirees, and competing against European and Asian based manufacturers where health care and retirement are funded by governments (so taxpayers effectively subsidize each auto). Even though the Big Three ...
by cdelena
Sat Oct 25, 2008 9:09 pm
Forum: Investing - Theory, News & General
Topic: Retiree Spending Survey
Replies: 45
Views: 9555

1) 4 years. 2) Spending more. 3) More on health care, more on retirement housing, more on travel. 4) Will have to reduce all discretionary spending, 5) The current market downturn has reduced portfolio below the level needed to allow for ongoing living expenses. 6) Changes in location and lifestyle ...
by cdelena
Mon Oct 20, 2008 2:04 pm
Forum: Investing - Theory, News & General
Topic: New York Times on Cramer
Replies: 24
Views: 10179

Re: How much worse is Cramer vs. rest of CNBC?

How much worse is Cramer vs. rest of CNBC? Or for that matter any show on TV that states or implies this is what you now need to know to protect your money, of course after the fact. Bob Exactly... Cramer certainly has more trading knowledge than the many talking heads that often make little sense ...
by cdelena
Sun Oct 19, 2008 11:01 am
Forum: Investing - Theory, News & General
Topic: "The Stock Market is for suckers…." - Mark Cuban
Replies: 41
Views: 9840

Mark Cuban is a smart guy and I respect what he has to say. ... Mark may be smart but got lucky so that does not mean his opinion is worth any more than yours... Many of us worked with or did business with Mark in the years before his hobby turned into a tremendously overvalued small business. He w...
by cdelena
Sun Oct 19, 2008 10:44 am
Forum: Personal Consumer Issues
Topic: GPS Units for Car
Replies: 22
Views: 4953

Tet is right for many car travel issues. Thomas guides and good a map work better and have better infomation. ... As useful as maps are there is no comparison when trying to navigate at night... not only is it difficult to consult a map in the dark but the majority of streets are not marked well en...
by cdelena
Wed Oct 08, 2008 12:32 am
Forum: Investing - Theory, News & General
Topic: How are those retirees doing in this meltdown ????
Replies: 20
Views: 4070

We are retired with 65% equities so it has really impacted our view of the plan. We are concerned but see little we can easily do in response to this big drop. Had recognized we might see a 20% drop eventually but really did not anticipate a 40% drop in just a year. When we retired it was with plan...
by cdelena
Tue Oct 07, 2008 10:04 pm
Forum: Investing - Theory, News & General
Topic: How are those retirees doing in this meltdown ????
Replies: 20
Views: 4070

We are retired with 65% equities so it has really impacted our view of the plan. We are concerned but see little we can easily do in response to this big drop. Had recognized we might see a 20% drop eventually but really did not anticipate a 40% drop in just a year. When we retired it was with plan ...
by cdelena
Sun Oct 05, 2008 12:20 pm
Forum: Investing - Theory, News & General
Topic: How Much Are You Down NOW?
Replies: 108
Views: 23734

I am down 20.1% YTD and probably 30% from the peak last October.
by cdelena
Fri Oct 03, 2008 1:11 pm
Forum: Personal Consumer Issues
Topic: Researching new Accord prices. What's the best method?
Replies: 16
Views: 3846

Re: Researching new Accord prices. What's the best method?

... Since I know the exact model that I want, it seems like the best way to get the price that I am willing to pay would be to email/call all the dealerships in my area and say "I will pay $X for this model. If you can match it, give me a call." Maybe there's a better method and you guys can give m...
by cdelena
Sun Sep 21, 2008 1:00 pm
Forum: Investing - Theory, News & General
Topic: just a couple of thoughts on the current crisis...
Replies: 60
Views: 12395

Many of the bad decisions have been discussed in this thread but there is much pressure to punish those involved in the last few years but the issues go much further back. When reviewing systems at a bank in the mid-1990’s I was talking with a manager about risk rating of mortgages and ‘redlining’. ...
by cdelena
Tue Sep 16, 2008 8:15 pm
Forum: Personal Consumer Issues
Topic: Backup Electricity Generator
Replies: 48
Views: 12349

I have not lived where I needed one but have spent time in areas where backup is needed more than once a year. At one home there was a small gas generator that had to be started, switched, and there were a limited number of items that could be driven by it. It appeared to require a notable amount of...
by cdelena
Mon Sep 15, 2008 3:38 pm
Forum: Personal Consumer Issues
Topic: Gasoline shortage coming to a station near you?
Replies: 29
Views: 6830

Gasoline pipelines from the Galveston / Houston area are the supply route to these cities and these pipelines are currently shut down or operating at reduced levels, as are nearly all of the refineries in the Galveston / Houston area (about half of all refineries in Texas are shutdown, and most US ...
by cdelena
Mon Sep 15, 2008 12:49 am
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

A few more Volt details including an estimated price of mid to high 30s.

http://online.wsj.com/article/SB1221436 ... whats_news
by cdelena
Mon Sep 15, 2008 12:37 am
Forum: Investing - Theory, News & General
Topic: Bank of America buys Merrill Lynch!
Replies: 28
Views: 6033

but i don't think anyone has figured out why it's apparently selling at a significant premium over its cureent share price . . . any thoughts? B of A is insane. First Countrywide, now paying 70% premium for Merrill. I'd be mad if I were a direct shareholder. It is amazing the roll... 'In 1957 Ameri...
by cdelena
Mon Sep 15, 2008 12:30 am
Forum: Personal Consumer Issues
Topic: Anyone in the Jacksonville, FL area?
Replies: 4
Views: 1621

There are some relocation web sites with plenty of threads and interaction that may be more helpful than feedback here. Try a search on city-data.
by cdelena
Sat Sep 13, 2008 11:57 am
Forum: Investing - Theory, News & General
Topic: Your Personal Inflation Rate in Retirement
Replies: 15
Views: 3007

We retired early so we have an individual high deductible policy and HSA. Health care premiums are up an average of 13% annually (one year with a jump of 23%). Health care has gone up faster than any other category in our budget... even the big hikes in food and gasoline have had less impact.
by cdelena
Fri Sep 12, 2008 10:59 am
Forum: Personal Consumer Issues
Topic: Where do YOU discuss politics?
Replies: 16
Views: 3329

Re: Where do YOU discuss politics?

I'm looking for a board to discuss politics with people as smart and reasonable as this board. Thanks! But of course when you start discussing politics smart and reasonable people turn into dumb and unreasonable people :twisted: I agree... political discussions usually deteriorate to worthless snip...
by cdelena
Fri Sep 12, 2008 10:55 am
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

Re: Chevy Volt photos leaked today

If the price is right, this may be my first new car purchase. http://www.edmunds.com/insideline/do/Features/articleId=119088?mktcat=chevrolet-volt-general-ad-copy&kw=chevrolet+volt+general+ad+copy&mktid=gc47736437 Steve Here are the latest Volt pictures... http://www.autoblog.com/2008/09/08/breakin...
by cdelena
Sun Sep 07, 2008 1:49 pm
Forum: Investing - Theory, News & General
Topic: Replacement Bait: Why the 80% Rule is Wrong-Scott Burns
Replies: 53
Views: 9107

We have now been retired about four years. Although we spend on different categories, I find our expenses are about the same as they were before retirement. BTW, this has been a real worry during this bear market in that all of our estimates were done using solid long term averages but experiencing ...
by cdelena
Tue Sep 02, 2008 11:43 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report
Replies: 5
Views: 2170

Thanks for the update.

My overweight in International and commodity exposure has hurt a little this year so I am -9.01% YTD.
by cdelena
Thu Aug 28, 2008 12:00 pm
Forum: Personal Consumer Issues
Topic: Would you vote guilty or not guilty - I was a random sample
Replies: 39
Views: 7139

Witness and victim identification of perpetrators is only 25% accurate on average. Without all the details I don't know how I would vote but would usually side with evidence and logic rather than testimony.
by cdelena
Tue Aug 26, 2008 9:26 am
Forum: Personal Consumer Issues
Topic: as an alternative to WiFi
Replies: 6
Views: 2347

I am fortunate that my Linksys router in my basement office is strong enough to provide a good signal in any of the second floor rooms. But I did see a problem using the very same router that leads me to believe there is more to router placement than is obvious. When the router was placed on a lower...
by cdelena
Wed Aug 13, 2008 6:01 pm
Forum: Personal Consumer Issues
Topic: Water more expensive than natural gas!!!!
Replies: 25
Views: 5230

Once established lawn grasses only need water when it gets dry a couple of inches down. Watering should only be done when the grass needs it and will depend upon temp, wind, sun, and soil. I run my system semi-automatically (turning it on or off for overnight watering) and find I water at most every...
by cdelena
Mon Aug 11, 2008 1:12 am
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

... A hybrid... Cadillac... Escalade. 21 mpg. The nonhybrid version costs about $60,000, and sales are heavily dependent on leasing. They are going to sell a bunch of these... not. ... My neighbor is interested in the hybrid Tahoe which is about the same. He has a need to haul many people, tow a la...
by cdelena
Thu Aug 07, 2008 8:44 pm
Forum: Investing - Theory, News & General
Topic: where can I find good mortgage lenders
Replies: 8
Views: 1836

tomser wrote:cedela

you don't give me much information so who is the lender and broker --??

i appreciate --thank you
I sent a PM with details.
by cdelena
Thu Aug 07, 2008 6:40 pm
Forum: Investing - Theory, News & General
Topic: where can I find good mortgage lenders
Replies: 8
Views: 1836

I went through the same exercise and was disappointed with the offers from many places. I finally spent a few days researching brokers that work nationwide finding one with excellent references. I got a superior deal and excellent service working the loan with email and phone and closed on my schedu...
by cdelena
Mon Aug 04, 2008 4:40 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

... between states (which are in themselves accidental political constructs) ... I do not think many would call the States accidental political constructs... if it were not for States rights this country would not have formed. Local differences and interests were and still are to some extent much l...
by cdelena
Fri Aug 01, 2008 11:11 pm
Forum: Personal Consumer Issues
Topic: Cruise Vacations?
Replies: 34
Views: 9866

It depends upon your interests. We have taken half dozen cruises and without a doubt the best was the Mediterranean. You can see six or seven countries without hassle. Our favorite line was Radisson (now Regent) but the others were not bad.
by cdelena
Fri Aug 01, 2008 11:05 pm
Forum: Personal Consumer Issues
Topic: Atlantic article on Chevy Volt
Replies: 62
Views: 11702

GM is promising the future, while Toyota and Honda raking in the cash. ... Toyota's Japaneses version of the Prius already has a switch to power the car by battery power only. If they add a larger battery (which Toyota is planning), it will have the promised Volt for lunch. Even if the additional b...
by cdelena
Fri Aug 01, 2008 10:57 pm
Forum: Personal Consumer Issues
Topic: Atlantic article on Chevy Volt
Replies: 62
Views: 11702

... The WSJ is one of the best written newspapers, but not on the editorial page. Those of us who have seen the fall of the Times and Sunday Times of London under Murdoch's stewardship these last 20 years or so shudder. ... I really like the WSJ Opinion section but fully recognize these are 'opinio...
by cdelena
Tue Jul 29, 2008 9:43 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

The resistance to rational change demonstrated here is incredible. One type of energy is free, limitless, increasingly easy to obtain and clean. The other is expensive, finite, increasingly hard to obtain and dirty. But no, it can't be done, it's a dream, it's impractical, it'll take forever. Let's...
by cdelena
Tue Jul 29, 2008 12:22 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

... between states (which are in themselves accidental political constructs) ... I do not think many would call the States accidental political constructs... if it were not for States rights this country would not have formed. Local differences and interests were and still are to some extent much l...
by cdelena
Mon Jul 28, 2008 11:05 am
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

Perhaps my perspective of society is slanted by where I live but I simply do not see a conversion to electric autos happening without a huge change in the way people live. I was driving home from a vacation trip on Sunday and saw Interstate highways jammed with more traffic than I ever see during ‘r...
by cdelena
Wed Jul 23, 2008 9:54 pm
Forum: Personal Consumer Issues
Topic: electric cars
Replies: 606
Views: 138765

by cdelena
Wed Jul 23, 2008 9:23 pm
Forum: Personal Consumer Issues
Topic: Things to do in San Diego?
Replies: 14
Views: 3587

Instead of the Zoo, I'd go to the Wild Animal Park, about 30 min north of downtown. The animals are in a more "native" habitat and I haven't seen another place like it in the US. Everyone I've ever taken there likes it way more than the zoo (unless you're a panda addict). Hans I found (some years a...
by cdelena
Tue Jul 22, 2008 4:26 pm
Forum: Personal Consumer Issues
Topic: Solar
Replies: 135
Views: 22990

The latest generation of home solar panels are not separate panels at all but roof shingles that integrate right into a roof. Interesting. When I worked at Texas Instruments in the 70's they had a breakthrough and the word went around that it would make solar shingles cheap enough to revolutionize ...
by cdelena
Tue Jul 22, 2008 11:04 am
Forum: Personal Consumer Issues
Topic: numismatic help
Replies: 14
Views: 3697

I was lucky enough to find a collector to inventory, document, and value a small collection I had... He charged $250 for about four hours of work. In the end he offered to buy it for about 75% of the valuation which was still 30% better than a spot offer from a dealer. cdelena, Did you give the col...
by cdelena
Mon Jul 21, 2008 8:32 pm
Forum: Personal Consumer Issues
Topic: numismatic help
Replies: 14
Views: 3697

I was lucky enough to find a collector to inventory, document, and value a small collection I had... He charged $250 for about four hours of work. In the end he offered to buy it for about 75% of the valuation which was still 30% better than a spot offer from a dealer.
by cdelena
Mon Jul 21, 2008 8:26 pm
Forum: Personal Consumer Issues
Topic: Solar
Replies: 135
Views: 22990

... In fact, the heat reduces their efficiency. When the solar panels are cooler they produce 15-20% more electricity. This can be simulated by simply running water over them to cool them off. Our highest electricity production is in March and April when it is still cool. ... Do you have to clean y...
by cdelena
Sun Jul 20, 2008 11:34 pm
Forum: Personal Consumer Issues
Topic: Solar
Replies: 135
Views: 22990

... ...it doesn't mean that wind power on the grid doesn't lower prices. It does, because it provides more supply. ... Here in the PNW most of the power comes from hydro but there are wind farms (mostly because the federal government has decided that hydro does not meet the requirement as renewable...
by cdelena
Sat Jul 19, 2008 11:43 am
Forum: Personal Consumer Issues
Topic: Anybody use Gillette Fusion Power?
Replies: 14
Views: 4968

My wife bought me a regular fusion during a promotion several years ago and I really like it.

I find the best deal on blades is buying bulk online... I last bought a years worth at half the total cost I would get in the local discount store.