Search found 89 matches

by glock19
Tue Aug 14, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1775

Re: More cash instead of bonds

FSITX shows 30 day SEC yield of 3.09%. Duration is 5.93 years. One year treasuries are yielding 2.5%, one year duration, and good liquidity. Seems like in a rising interest rate environment, the negative 59 basis point spread might not be that bad. Personally I have chose to shorter the maturity on ...
by glock19
Wed Aug 08, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1723

Re: Whole house generator

The problem I have found is that you need to choose natural gas as a fuel source to do it right and you have two options: utility supply or a stand alone tank. As someone else pointed out, in a true emergency the gas may or may not be available from the utility company. To do it right, you need you...
by glock19
Tue Aug 07, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1723

Re: Whole house generator

In January of this year I installed a 22KW Natural gas powered Generac with automatic transfer switch. I did the complete install myself. I have had problems with the unit from day one. Fortunately, Generac is finally sending me a complete new generator which will be here in a couple of days. I am a...
by glock19
Tue Jul 31, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 39
Views: 2613

Re: Best BBQ in San Antonio

To the OP...........if you haven't got the drift by now, in Texas, next to arguing religion and politics, the best barbecue, Mexican food, and catfish places are highly controversial topics. There ain't no two barbecue connoisseurs that are going to give you the same answer. Fistfights have broke ou...
by glock19
Sun Jul 15, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1546

Re: Seeking advice about "defective" computer

Load an image backup program such as Macrium Reflect (free version) on your computer. Make an image of your drive(s) to an external hardrive. Have Dell give you a new computer, and then reinstall the image to your new computer. You are then back where you are now with minimal time/effort involved. P...
by glock19
Fri Apr 20, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5448

Re: Factor in evaluating Physicians

Lot of trashing of drug reps and big pharma here. However, no one seems to object when, as patients, the physician dispenses "drug samples" provided by the drug reps. Also, many companies provide patient education materials. There is certainly nothing ethical about a health care provider being paid ...
by glock19
Sat Feb 10, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladder or Treasuries ?
Replies: 17
Views: 2437

Re: CD Ladder or Treasuries ?

I certainly agree with all the statements above regarding risk factor and return. In the past I have used both CD's and Treasuries. I recently started formulating a 5 year ladder for the short term portion of my FI allocation. I went with treasuries mainly for the reason of liquidity. Liquidating CD...
by glock19
Tue Jan 30, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 663
Views: 153597

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

mjuszczak: I'm of the philosophy that everyone needs to work out their allocation based on their own need for return and risk. The allocation you mention would exceed my comfort zone, but I'm at a different stage of life. If you are going to develop a modified PP please revisit the need for bonds, a...
by glock19
Tue Jan 30, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9747

Re: Neighbor recently burgalerized - Suggestions for home security

camera pictures What resolution camera do you need to get this quality of picture. How does it look at night? No need to get too hung up on high resolution IP cameras. The trend has been to increase the megapixels in cameras without increasing the sensor size. This does enable the user to expand th...
by glock19
Tue Jan 30, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 663
Views: 153597

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

mjuszczak: You have probably come to the wrong forum to get affirmation on the qualities of the PP. Also, gold for any purpose, will seldom be touted. Usually the first thing that will be mentioned is that there are simple portfolios that don't hold LTT and GLD that will out-perform the PP. As you k...
by glock19
Fri Jan 26, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 7164

Re: ID theft and check cashing fraud

It is likely that other members of that gym have had locker theft or breakin problems. There is something wrong if the gym will not cooperate with the victim as to the fact that they had surveillance video but will not act on it. Likely the thief checks for lockers that can be robbed from time to t...
by glock19
Sun Jan 21, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: What's a good file sync software?
Replies: 14
Views: 1190

Re: What's a good file sync software?

What you’re asking for is backup software. If you have a Mac use time machine. I recommend Backblaze for cloud backup to everyone. While backup would work, sync software has completely different functions. Much faster for just aligning one drive, folder,etc with another. The OP needs snyc applicati...
by glock19
Thu Dec 21, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: Speculation
Replies: 16
Views: 1621

Speculation

Many recent threads relating to bitcoin refer to participating in it as "speculation", not an investment. One of the definitions of speculation is "investment in stocks, property, or other ventures in the hope of gain but with the risk of loss". In the extreme, this could apply to equity/bond index ...
by glock19
Thu Nov 30, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: quiet natural gas generators
Replies: 38
Views: 2680

Re: quiet natural gas generators

The reason I'm looking at a whole house generator instead of a portable is that, as an older person, I want it to be effort-free. I don't want to be outside in the wind and snow drifts carting gasoline between the garage and the generator and worrying about running out of gasoline, which seems a re...
by glock19
Sat Nov 04, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353068

Re: What are you up YTD? [Year To Date]

Up 5.1% YTD 25% equities 70% intermediate treasuries 5% gold I'm always fascinated why, after reading the title of the thread, folks feel compelled to reply when they are not providing an answer to the question. If the thread question had been "are you aware of your YTD returns" then I could underst...
by glock19
Tue Oct 17, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 13176

Re: WPA2 protocol used by vast majority of wifi connections has been broken

You do have to be targeted. They do have to be within wifi range of your house. It can be fixed by patching clients. Those all minimize the likelihood of damage. It looks like a basic first step for those maintaining a small home network is to go into the router settings and turn the wireless signa...
by glock19
Fri Jul 14, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 3546

Re: Security Alarm Pre-Wire in New Construction

Since this is not a technical forum we probably shouldn't be getting this deep into install techniques. Yes, you make a good point on pulling wire using multiple spools. However, it gets back to the original topic of the poster wanting to save some money and having time to do so, such as radiowave i...
by glock19
Fri Jul 14, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 3546

Re: Security Alarm Pre-Wire in New Construction

I will say that the poster that listed all the issues with DIY wiring is completely wrong. No zoning or programming decisions are normally encountered at the wiring level if "home runs" are used for all devices. It's simply a matter of pulling CAT 6 cable to the location of where the alarm panel wi...
by glock19
Fri Jul 14, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 3546

Re: Security Alarm Pre-Wire in New Construction

I am involved in the alarm business, and while the reliability of hard wired systems is superior, the trend is to wireless systems in both new and existing homes. The biggest reason is ease of install, and the fact that many of the window manufacturers warranty will be voided if you drill into the w...
by glock19
Thu Apr 06, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Medical Device/Pharma Sales Reps?
Replies: 10
Views: 1604

Re: Medical Device/Pharma Sales Reps?

I was fortunate to spend 38 years with a major pharma company. The info and advice concerning pharma sales in the above posts are very accurate. Most reps calling on the primary care physicians are with contract based companies, and if not, are in constant fear of losing their job. There are some lu...
by glock19
Sat Mar 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2775

Re: When does a new computer make sense...

I have built my own desktops for years. I used to build a new machine every 2-4 years depending on technology advances. My needs are simple, internet, Excel, Word, Quicken, etc. The desktop computer I'm using now is 4 years old and still performs great. My only upgrade has been to Win 10, an SSD and...
by glock19
Fri Mar 17, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Texas Teachers Retirement too good to be true?
Replies: 39
Views: 7449

Re: Texas Teachers Retirement too good to be true?

But they don't contribute to or receive social security. So people who think SS is a great deal, run your numbers and see how much your annuity would be with this system vs your SS. But I believe both systems are unsustainable. Believe me I'd much rather do without SS at all. The problem is she has...
by glock19
Fri Mar 03, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 33
Views: 9033

Re: Why would I buy Bonds now?

Nisiprius, Yes, I agree, lots of variables that could affect. I would like to see someone run a backtest (if even possible) on a specific amount invested in a bond fund and compare to the results in the time period equivalent to the duration at time of the initial investment. I agonize with individu...
by glock19
Fri Mar 03, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 33
Views: 9033

Re: Why would I buy Bonds now?

Nisiprius, For the benefit of the OP let's bring up the old "individual vs. bond fund". Assume one were to invest $1000 in a bond fund currently yielding 2% with a 5 year duration. Again assuming an interest rate rise during the 5 year period, if the fund were held for 5 years would not the owner "b...
by glock19
Fri Feb 10, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 10292

Re: Terrible negotiation - need help with words to use [Buying a car]

Daisy Dog: You have told us in your OP you are a terrible negotiator and it makes you sick. Many folks are that way. Personally I love the rush of a good business deal, but that doesn't apply here. Even though you have been given excellent advice in this thread, I doubt you are going to find a scrip...
by glock19
Thu Feb 02, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Technical issues with WIFI internet and websites
Replies: 18
Views: 1901

Re: Technical issues with WIFI internet and websites

If other devices are working OK then I'm not sure it's your router. Hard wire an Ethernet cable to it first and see what happens. Also, as mentioned above try a broadband speed test to make sure it is not your ISP. I can't address chrome but I've had the same issues with Firefox in the past. I delet...
by glock19
Tue Jan 24, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 137
Views: 14197

Re: Swedroe's guidelines to Bonds

larryswedroe wrote:simple
Just to add that should use CDs instead of Treasuries when you have access to them, unless spread in yields very thin

Larry
Are you saying if yield spread is thin on same maturity/duration then go treasuries? Please elaborate? thanks
by glock19
Sat Jan 07, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 60
Views: 5556

Re: Alaska cruise - Help me convince my family

I've been on Alaska cruise/land travel twice and will probably do it again. It is fantastic. But, I'm just not sure kids can appreciate it for what it is. On the other hand I can sure see the kids enjoying the Eastern/Western Caribbean beaches. One suggestion on Alaska cruise, and this is personal p...
by glock19
Mon Oct 31, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Hunter Fan issues - Advice please
Replies: 15
Views: 2253

Re: Hunter Fan issues - Advice please

I'm not sure some of the comments are from folks who understand what the older Hunter fans are. I have 5 Hunter fans in my home that were purchased in the late 70's. They are not your typical discount house fans, and were quite expensive at the time of purchase. These are very heavy cast iron bodies...
by glock19
Thu Sep 29, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Think about a whole house generator. Generac 22k
Replies: 31
Views: 4135

Re: Think about a whole house generator. Generac 22k

$8500 on a Generac 22k Guardian installed is a very good price especially if that includes the transfer switch. I don't live in an area where it gets that cold but I can definitely see why a battery and oil heater might be needed, and I doubt they would add that much to your cost. I do live where 10...
by glock19
Tue Jul 19, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 11352

Re: HOA Swimming Pool Trespassing Issue

I am in the security business and I assure you a good digital CCTV system is not that expensive. Approximately $1000 per camera with NVR to record. The ones sold at Costco will be less expensive and fine for your solution, but be aware these are not plug and play. These are IP cameras and can be use...
by glock19
Sun Jul 17, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 6040

Re: Who do you not tip, and why?

I'm another that is confused by the tipping culture. I've watched over the years as tipping has become so common in professions and services that before one would have never thought of. I sometimes feel folks tip out of intimidation or the fear they are just not being a good person. I have been watc...
by glock19
Wed Jul 06, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 4104

Re: Buying a Fifth Wheel-Help

Tibbitts has given great advice. I'll add a little. After many years of pulling travel trailers I've been pulling a 31' fifth wheel for 6 years. Personally, I'm not a fan of large trailers, and a 5th wheel in this size would be a challenge for a new RV'er. But, it can be done. Remember that pulling ...
by glock19
Sat Jun 04, 2016 9:24 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353068

Re: What are you up YTD? [Year To Date]

2.85% YTD

25/70/5 equities/IT bonds/GLD
by glock19
Sat Jun 04, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: "Don't make this gigantic Social Security mistake"
Replies: 69
Views: 10837

Re: "Don't make this gigantic Social Security mistake"

Has anybody considered that "means testing" one's financial status might enter the picture in the future? SS is not in the best condition to support an aging population, and considerations to modify eligibility could be on the horizon. Time will tell.
by glock19
Wed Apr 06, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Concrete or Asphalt driveway?
Replies: 45
Views: 6244

Re: Concrete or Asphalt driveway?

Concrete, when done properly will last a lifetime. Asphalt, won't. And you'll be out there every couple years with 5gal buckets of sealer for the asphalt. I would have thought that concrete would be more than 10-15% more. I would do the concrete. I replaced an asphalt driveway with concrete. Never ...
by glock19
Wed Apr 06, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Securing Computer Info when in for service? Can I do the calibration of the monitor myself?
Replies: 3
Views: 512

Re: Securing Computer Info when in for service? Can I do the calibration of the monitor myself?

I think you have suggested all of the possibilities. 1. encryption or removal of files virtually assures privacy. 2. "Not worry about it" is an option I would remove from the list. I still find TrueCrypt a good solution for encryption. Since you have a good backup, and hopefully two, removal and re-...
by glock19
Tue Mar 29, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 2342

Re: Binoculars for Birding Boglehead-wise

I use binoculars, spotting scopes, and rifle scopes. I do not adhere to necessarily spending the most you can afford, but I can assure you that you get what you pay for when it comes to optics. While I use Nikon and Eagle Optics binoculars, there is just no way you can compare these to a pair of Swa...
by glock19
Mon Feb 29, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 3179

Re: CCTV / Home Security Options (Neighbor got burglarized)

Proper exterior lighting is very important. I would forget motion detection lighting and go with good LED floodlights. Show the bad guys you are well lighted before they get that close to your house. They will choose a non-lighted house first. Put the floods on timer or dusk to dawn photocell contro...
by glock19
Wed Dec 02, 2015 11:55 pm
Forum: Personal Consumer Issues
Topic: iRobot Roomba--do you like it? Would you recommend?
Replies: 21
Views: 3441

Re: iRobot Roomba--do you like it? Would you recommend?

Some things might just be a rehash, but the new thing for me would be the deep discount on the Roomba 880. It was originally $699. I got mine for just $475. It is discounted 15% to $594 because of the new model (I am guessing this was a factory discount, because it was the same price at multiple st...
by glock19
Wed Jun 24, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 84
Views: 11457

Re: Most Economical Way to Handle the Lawn

Wow, I've never seen so many complicated answers to just mowing a lawn. Get a self propelled lawnmower and a trimmer and just go to work. It ain't professional landscaping. You really don't need any long range plans, just a can of gas, some safety glasses and some foam ear plugs. Enjoy working in yo...
by glock19
Fri May 08, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 1184

Re: video camera?

First of all, how many rooms are you trying to monitor? Storing the video will require a network video recorder. Costco has some nice systems that are above the junk sold in most big box stores. The kits still require some technical expertise to install. Most systems are now using IP cameras that p...
by glock19
Thu May 07, 2015 5:49 pm
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 1184

Re: video camera?

First of all, how many rooms are you trying to monitor? Storing the video will require a network video recorder. Costco has some nice systems that are above the junk sold in most big box stores. The kits still require some technical expertise to install. Most systems are now using IP cameras that pr...
by glock19
Wed Apr 29, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 6271

Re: Thinking about a new desktop PC.

Just so I understand, if you have a SSD (say, 256GB), you also generally have a traditional drive for document storage? You put the OS and programs on the SSD and put files (documents, spreadsheets, photos, etc.) on the spinning drive? Am I understanding correctly? In the real world, how much quick...
by glock19
Tue Apr 28, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 6271

Re: Thinking about a new desktop PC.

I really agree with Lightheir. A lot of folks may not understand the difference between data storage and processing power. Obviously if you are using applications needing fast processing power, a SSD won't give you a noticeable increase in speed. For everyday web browser usage, word processing , spr...
by glock19
Fri Mar 20, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 14189

Re: Whats a good Pistol to buy?

Revolvers are the Chevy trucks of guns. Dependable & easy to drive. Semi automatics (ie:glocks) are high performance vehicles. More persnickety. I recommend to novice shooters a revolver. For personal defense, I recommend a .38 caliber or above. You never know when your assailant is going to be hop...
by glock19
Sat Jan 31, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Semi-annual Furnace/AC Inspection
Replies: 17
Views: 2096

Re: Semi-annual Furnace/AC Inspection

I feel you will get different opinions but I have had good luck just frequently changing filters, making sure there are no gas leaks, and checking the A/C unit to make sure the condensate drain does not get clogged. If you have gone 17 years without problems I doubt you are going to save any money o...
by glock19
Tue Jan 27, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 2843

Re: data mining vs. historical performance

Maybe I should have added, what got me to considering this issue was a couple of posts in another thread. It referred to a 20/75/5 small cap value/5yr treasuries/gold portfolio. Now, the 20/80 SCV/5yr treas portfolio has been discussed on this board in depth. Annual CAGR has been listed from various...
by glock19
Tue Jan 27, 2015 12:49 pm
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 2843

data mining vs. historical performance

I have noticed frequently when a post is made concerning portfolio variations that provide additional returns, often comments are made about the fact that it is nothing more than "data mining". This seems to occur when long term bonds, gold, or other non-Boglehead asset classes are mentioned. Why is...