Search found 1192 matches

by jdb
Thu Sep 14, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 3842

Re: Large portable generator vs. permanent natural gas generator for home

Interesting thread. Listening to our 27KW generator running outside the house as read this thread, it has been running now for over 5 days since (and during) Hurricane Irma, powering house including two a/c compressors. And not that noisy, far less than portable generators. Problem here in south Flo...
by jdb
Thu Sep 14, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 710

Re: AMEX app

This is one of those few decisions that have no downside. For my Citi and Amex credit cards I have the applicable Apps. Very useful, can see daily charges and arrange for payments, the Amex App is particularly user friendly. Good luck.
by jdb
Thu Sep 14, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: 3Q2017 Estimated taxes are due 15 Sep 2017
Replies: 14
Views: 780

Re: 3Q2017 Estimated taxes are due 15 Sep 2017

Thanks Victoria. Wish you had posted this in early June for the second installment, I was a couple months late, just forgot. But for those of us in the Florida Counties impacted by Hurricane Irma we have until end of January 2018. And very helpful, running house on generator for electric have no Int...
by jdb
Wed Sep 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 22765

Re: Name something you had to have and now you regret purchasing it?

Joining a hoity toity golf club/resort about hours drive from our house. We belong to nice local club, I enjoy playing golf there couple times a week and the restaurant. I had a couple friends who were members at the very hoity toity club and would play there with them, for some reason I decided wou...
by jdb
Wed Sep 06, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: structured notes ?
Replies: 10
Views: 842

Re: structured notes ?

I think Jason Zweig summarized it best in his definition of Structured Products in the Devil's Financial Dicfionary: "Investment Products structured to be profitable to the firms that sell them and incomprehensible to the clients who buy them."
by jdb
Mon Sep 04, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 2844

Re: Would you rather (car wash/detail)

Years ago I had an epiphany. In the time spent driving to a car wash and waiting for the car wash to be finished I could pull out a hose in driveway and wash two cars. Plus a lot cheaper even when invest in good car soap and wash towels. Haven't been to a car wash since then.
by jdb
Wed Aug 30, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819172

Re: What Book Are You Currently Reading? Part VI

Over half way through a re-read of the twenty Patrick O'Brian novels featuring Captain Aubrey and Dr. Maturin, not only best nautical warfare historical fiction but in my opinion amongst best historical novels period. Last read them over 20 years ago, great thing about re-reading is that don't need ...
by jdb
Tue Aug 29, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 56
Views: 3185

Re: Desperate to get rid of mosquitoes, what else could we try?

Interesting thread. I live in south Florida, have hobby tropical fruit tree orchard and backyard bee hives along with many palm trees, bromeliads and orchid collection, plus we have many many mosquitoes, almost year round, which visit us from the Everglades. Hate to be bearer of bad news but sprayin...
by jdb
Tue Aug 22, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5773

Re: Safe car for wife and baby

Place a deposit for the Tesla Model 3. Then lease a Volvo XC60 for two years, when lease is up you should be getting delivery of the Tesla. Our young adult daughter drives the Volvo and my wife and I drive Teslas, these are amongst the safest cars on the road. Good luck.
by jdb
Tue Aug 22, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 2760

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I have not been to a movie theater in at least three years. In fact haven't watched a movie in that time. Lost interest in movies years ago, for awhile was being good husband accompanying wife to movies once a year. But she has learned to go to occasional weekend matinees with girlfriend while I am ...
by jdb
Fri Aug 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9225

Re: Non-fiction bucket list

Interesting thread, lots of good recommendations, many of which I have enjoyed reading. And suggestions which I will be following up, already have ordered the Mungo Park book on his Africa exploration in 1790's and will be ordering the Kim Philby book, Spy among Friends. But for me the best books ar...
by jdb
Wed Aug 16, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2663

Re: Big family, small house dilemma -- kid bedrooms in basement?

I lived w/sibling in a basement br as a teenager while parents and other siblings lived 2 floors up. No one had their own bedroom. So I don't understand the issue. +1. With five siblings in family I ended up having bedroom in basement most of my 18 years living at home, part of the time with younge...
by jdb
Mon Aug 14, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4458

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I like Christine Benz and appreciate her Morningstar columns. Think that this is a good article, not complicated. She does avoid QCD issues which are important. I will wait until end of year when my RMD are due, after QCD. Thanks Christine. The underlined is not clear to me. If you mean you will ta...
by jdb
Mon Aug 14, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: PSA - Mute button for Gas Station TV!
Replies: 22
Views: 2811

Re: Electric future for us

You are eventually going to run out of places to fill up. Electric car? Our next car will be 100% electric. We live in the city and only put 4500 mi/yr on our car. A typical day of driving is way under 20 miles. Yes, another good reason to go all electric and use your garage as fueling station. As ...
by jdb
Sat Aug 12, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4458

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I like Christine Benz and appreciate her Morningstar columns. Think that this is a good article, not complicated. She does avoid QCD issues which are important. I will wait until end of year when my RMD are due, after QCD. Thanks Christine.
by jdb
Tue Aug 08, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2515

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Man, maybe I'm just too young to realize it, but aside from the addictive nature of gambling and the false dreams of a promising reward, I have no idea why one would choose to play a slot machine for hours on end. I seriously would do anything else than sit in a dark room with lots of noisy dinging...
by jdb
Fri Aug 04, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7334

Re: Study: Who Sold Stock During the 2008-9 Crash?

It was at the same time I discovered this site (then called Diehards) and Vanguard Index funds and portfolio allocation and diversification. I was 100 percent individual stocks, full service broker. Suspect I helped send his kids to private school. Did not know what TLH was, but sold all individual ...
by jdb
Tue Aug 01, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9554

Re: Has the "bond bubble" caused you to change your allocation?

Yes, back in 2010 when there was constant noise about bond bubble and muni bond collapse, as contrarian I loaded up on muni bonds in taxable account, both Vanguard funds incuding long term, intermediate and short term, and individual muni bond ladder, and in tax deferred accounts a TIPS ladder toget...
by jdb
Sun Jul 23, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819172

Re: What Book Are You Currently Reading? Part VI

Ten Days That Shook The World by John Reed with introduction from V.I. Lenin, published by International Publishers. Found this old book at used bookstore in Seattle, appears to be a 1920's edition, contains extensive Appendix and has strange pink sticker in back saying that it was "fumitized". I ha...
by jdb
Wed Jul 19, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12305

Re: Books not to read.

Thread title is bad karma. Problem is not about reading wrong books, it is about not reading enough books. If don't like book go on to another. But not good karma to advise anyone against reading. My two cents.
by jdb
Thu Jul 13, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 7352

Re: Bogleheads: Please help me pick a new car

Get in line for a Tesla Model 3. Will need some patience. In four years your son will thank you.
by jdb
Wed Jul 12, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7783

Re: how to destroy hard disk with personal info

This is such an exciting thread. We have over 25 years of hard drives in an extra closet on shelves, never got around to getting rid of them, always thought could be historical artifacts, but since we have been in same house for over 30 years and I didn't like Marie Kondo book not the only stuff we ...
by jdb
Sun Jul 09, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of long term bonds
Replies: 26
Views: 2189

Re: Talk me out of long term bonds

Vanguard Long Term Tax Exempt is one third of my taxable FI portfolio, other two thirds the Vanguard intermediate tax exempt and Vanguard short term tax exempt. All great funds. So go for it. And my advice is of course worth every penny that you paid for it.
by jdb
Sun Jul 09, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3411

Re: Is Vanguard down this AM (7/9/17)?

Hi, Bogleheads. My apologies for the inconvenience this morning. We know some clients are having difficulty accessing their accounts as a result of an update over the weekend. We are working to make sure all clients are able to log back in as soon as possible. We apologize for any inconvenience and...
by jdb
Sat Jul 08, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: Retirement is Risky Business
Replies: 41
Views: 7095

Re: Retirement is Risky Business

Risk 20: Being taken to the cleaners by your Retirement Income Certified Professional risk Dale That makes me think of all those "free" dinner invitations I get from those "Retirement Income Certified Professionals." The expression should be: "There ain't no free dinner." :happy Maybe I am foolish,...
by jdb
Mon Jul 03, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 2197

Re: Best tool/technique for grill cleaning?

On my Kamado Joe, I either burn everything off at around 700F or so OR I use this wooden grate cleaner if I'm in a hurry - works great!: http://amzn.to/2tCDpAs +1 as to the wooden grate cleaner for my Big Green Egg, picked one up at Costco. When using it first time on hot grill the grate burns trac...
by jdb
Sat Jul 01, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2685

Re: A TIPS is maturing in Fidelity. What to do?

So I was reading this interesting discussion about reinvesting TIPS ladder maturities without personal involvement until just received message from Vanguard that have same TIPS issue redemption on July 15. Small world. Was one of first purchases of my TIPS ladder. I plan to use most of proceeds to b...
by jdb
Tue Jun 27, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1679

Re: Do you check your dividends?

Also never and none. Trust Vanguard to do it right. And I don't balance our checkbook either but that is another topic.
by jdb
Wed Jun 14, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6399

Re: Does anyone read the Wall Street Journal?

Haven't missed an issue of WSJ or NYT for more than past 20 years except when traveling overseas. And I don't like to read online articles, like to get ink on my fingers from newsprint. If had to choose between them would pick NYT for more intellectual content but WSJ has good insight into world of ...
by jdb
Mon Jun 05, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Help me choose an EXPENSIVE* red wine for a gift
Replies: 69
Views: 8665

Re: Help me choose an EXPENSIVE* red wine for a gift

I am not a sommelier but do enjoy Bordeaux and these are all great selections. Also expensive. But for a wow factor would go for the 27 or 22 year old vintages, it would be a real treat to drink a 20 plus year old great Bordeaux. Wish someone would gift one to me, though not deserving. Good luck.
by jdb
Tue May 30, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 218
Views: 26466

Re: 2017 hedge fund contest

A quick shout out to jdb and his Unpresidented Opportunity Fund, which recently took 3rd place with his long-only portfolio featuring a trio of "new economy" high fliers. His biggest winner is Tesla, up over 40% so far, a pick perhaps based on his personal and positive experiences with th...
by jdb
Mon May 29, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 6409

Re: Retiring in southern college town

You want southern coastal with colleges and good medical? Come on down to Florida. Tampa is on the coast, several colleges and excellent medical. Jacksonville has colleges and Mayo Clinic. Ft Lauderdale and Miami are next to the Gulf Stream and get great ocean breezes, a number of colleges, good med...
by jdb
Fri May 26, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 12001

Re: Zacks says sell Wellesley!?

If I could revisit a question just to make sure nobody has an answer... Let's say that Wellesley is basically suitable for an investor. That is, let's suppose the investor wants a fund that is vaguely similar to Vanguard's description: This 40 year-old, income-oriented balanced fund offers exposure...
by jdb
Wed May 24, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 8783

Re: The dot com "do over" bull market?

I generally think the dot.com bust was because tech didn't have the business models right. Any business model that includes the two words "burn rate" is suspect. Be careful of generalizations. It is also known as capital expenditures and capital investments. Was used as pejorative (along ...
by jdb
Wed May 24, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 14520

Re: i am my own "guy," but not sure I should advertise that

Bunch of shyguys in this thread Obviously you're just asking for problems if you go on a crusade to change peoples ways of thinking about investing/financial management - many people are set in their ways and will take it as a personal affront. On top of that, if they take advice and lose money, it...
by jdb
Mon May 22, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Summer outdoor parties - party food ideas
Replies: 20
Views: 1986

Re: Summer outdoor parties - party food ideas

Luke Duke wrote:
Barefootgirl wrote:(not including grilled foods)


Well, that excludes just about everything that I serve.

+1. Costco grilled hamburgers topped with cheddar slices with sliced tomatoes, onions, condiments, baked beans, watermelon, potato salad and cold beer. That defines a summer food event.
by jdb
Tue May 16, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: How Old Habits Can Sabotage Retirement
Replies: 51
Views: 7869

Re: How Old Habits Can Sabotage Retirement

...I could have a $100 or $200 dinner, but I do not get the same total enjoyment compared to a really good $20-$40 dinner. I consider value a part of enjoyment. I tend to agree. Plus you could do a dozen of those dinners over the course of a month for a lot less cost... And I can make a $20-$40 din...
by jdb
Tue May 16, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 5564

Re: Costco Kirkland Signature Cookware vs Calphalon?

One last thing - they are very easy to clean.Just scrub with a scrubber or hard plastic/silicon card, no soap. Have you tried a chainmail scrubber? I found out about them a couple of years ago and really like them. m Thanks Pajamas. I have cast iron set of skillets and Dutch ovens, Lodge and Le Cre...
by jdb
Sun May 14, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819172

Re: What Book Are You Currently Reading? Part VI

Just finished Never Out Of Season, How Having the Food We Want When We Want It Threatens Our Food Supply and Our Future, by Rob Dunn. Fascinating story of agriculture and pests and pathogens throughout human history, including the Irish Potato Famine, Banana Blight, Cacao Virus, Russian seed banks a...
by jdb
Wed Apr 26, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 2107

Re: DIY Yard Tick Spray?

livesoft wrote:Note that insecticides will kill off any fireflies that you normally get later in the summer.

Also any honeybees. As a beekeeper who also has lawn treated by professionals suggest having it done by professionals who have access to pesticides supposedly non toxic to honeybees.
by jdb
Sat Apr 22, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41092

Re: Larry Swedroe says "Goodby."

Angst wrote:
Doc wrote:
leftcoaster wrote:On his guidance - I always found that Larry's approach to bond investing was waaaay too complicated. I wonder how many non-clients actually implemented it.

At least one.

Make that two.

And one more makes three. We will miss your posts Larry.
by jdb
Wed Apr 19, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 2583

Re: Should I purchase Apple Care for my new Apple Watch?

Got the series 1 when first introduced 3 years ago, without warranty. Was kind of hankering for series 2 but couldn't justify. Read recently of study that said people more careless with product when new improved product available. Sure enough, carelessly dropped on marble floor while putting on. Gav...
by jdb
Tue Apr 18, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819172

Re: What Book Are You Currently Reading? Part VI

The Lost City of the Monkey God , by Douglas Preston. The compelling true story of archeology in an uninhabited, jungle covered, mountain valley of Honduras in 2015-16. +1. Fascinating recent true story combining Indiana Jones type archeology hunt in remote and uninhabited area of Honduras but usin...
by jdb
Sun Apr 16, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Provence and Normandy
Replies: 11
Views: 1131

Re: Provence and Normandy

When in Normandy be sure to buy a bottle, better yet two, of the locally produced Calvados, apple and pear brandy, to bring home, preferably from a small producer. Makes a great souvenir and also gift. Enjoy.
by jdb
Fri Apr 14, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819172

Re: What Book Are You Currently Reading? Part VI

The Hidden Life of Trees-What They Feel, How They Communicate, Discoveries from a Secret World by Peter Wohlleben. Recently translated from German, the book is fascinating, after reading it one will look at trees with a different perspective. The author does anthropomorphize trees to a significant e...
by jdb
Tue Apr 11, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 3379

Re: Backyard shed, wood or plastic?

Been there, done that, got a large plastic storage shed from Home Depot, did not last through first mini hurricane in South Florida. Still not sure where some of the siding ended up. Got a redwood storage shed kit online from Oregon, dug postholes on corners with heavy duty pressure treated wood pos...
by jdb
Fri Apr 07, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 954
Views: 166649

Re: Tesla S

This is one old thread, brings back lots of memories. I was at one time in 2012 almost a Lone Ranger on this site with the vehicle. Best thing about Tesla Model S in my opinion, now with over 50K miles and over 10K miles in Model X, is their constant improvements of the vehicle by software updates. ...
by jdb
Tue Apr 04, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Spring Break Trip to Disney World
Replies: 68
Views: 5302

Re: Spring Break Trip to Disney World

world that you describe above (other than it reminds me of the 1980's Thunderdome Movie) because I'd just as soon enjoy a good crucifixion before setting foot in that overpriced, over hyped, "attraction". I am always looking for cheap entertainment and this site never disappoints. Crucifi...
by jdb
Tue Apr 04, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Larry-ish Portfolio, But Easier To Implement. Thoughts?
Replies: 58
Views: 5988

Re: Larry-ish Portfolio, But Easier To Implement. Thoughts?

Value shmalue. I think Larry is great on bonds, have read his books and follow his bond advice. But as to equities, my mantra is large cap growth and so far past 5 years it has paid off. So in my amateur opinion Larry equity portfolio emphasizing wrong side of equities. But he is undoubtedly correct...