Search found 1228 matches

by jdb
Mon Dec 11, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1474

Re: Best Parmesan Cheese for Salad

I second the Costco. But even better, buy a big chunk of Parmigiano Reggiano at your local market, Whole Foods has them, a little expensive. Buy a small hand grater. Take cheese over to your plate with grater and grate directly over the salad or food. Like being in Italian restaurant without obligat...
by jdb
Sun Dec 10, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Are Bonds ever better than a Fund?
Replies: 10
Views: 1071

Re: Are Bonds ever better than a Fund?

My response is only as to muni bonds, since as to TIPS prefer a ladder. I have a muni bond individual ladder built about 5 years ago, actually took a couple years to create using odd lots, got to be like a hobby using EMMA (and if you don’t know what EMMA is and how to use it should not be toying ar...
by jdb
Fri Dec 08, 2017 11:19 am
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 18
Views: 1430

Re: Thank you Admins

I used to follow a number of internet sites, political and economic and tech, but dropped them all except this one. Amazing how many “flamers” there are in internet chat land, many of them seem to be blithering idiots, but the administrators on this site do great job keeping them at bay. So far have...
by jdb
Thu Dec 07, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 861155

Re: What Book Are You Currently Reading? Part VI

I am very excited, received from Amazon today the just published The Landmark Julius Caesar, The Complete Works including Gallic War, Alexandrian War, African War and Spanish War, with maps, annotations, appendices and encyclopedic index, with translation by Kurt Raaflaub. I very much enjoyed the La...
by jdb
Thu Dec 07, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 55
Views: 6497

Re: House on the market less than a day. Did listing agent commit fraud?

Happens all the time, especially in hot markets. Agent wants full commission, not willing to share. Has at least one and possible more buyers in waiting without their own agents. Talks seller into below market listing price. Gets their buyers to submit all cash offer or offer with approved financing...
by jdb
Wed Dec 06, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 146
Views: 7835

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. I know a nonsensical statement when I see one, though funny in a kind of sick way. Reminds me of a vacation in ...
by jdb
Thu Nov 30, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9301

Re: Why should I donate to my alma mater?

OTOH, we give not insubstantial monies to my graduate school, University of Chicago, a private institution which provided me substantial grants and dropped football 80 years ago. Smart decision in my opinion. Each to his or her own. Good luck. Now, now, the U of C does have a football team, just no...
by jdb
Wed Nov 29, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 861155

Re: What Book Are You Currently Reading? Part VI

Just finished Birdmania, A Remarkable Passion for Birds, by Bernd Brunner with translation from the original German edition by Jane Billinghurst. A fascinating book chock full of interesting facts about birds and the humans who since recorded history have interacted with them. Who knew that birdwatc...
by jdb
Wed Nov 29, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9301

Re: Why should I donate to my alma mater?

Interesting conversation. I do not contribute to my undergraduate alma mater, a state university where I was an in state student who did not get financial aid but worked his way through school and which pays its football coach several million dollars a year, which I find aggravating even if they do ...
by jdb
Mon Nov 27, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 refund
Replies: 8
Views: 1466

Re: Tesla Model 3 refund

Not only will you get your deposit back which apparently makes you happy but you will also make someone later on the waiting list happy. A double win.
by jdb
Sat Nov 25, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 refund
Replies: 8
Views: 1466

Re: Tesla Model 3 refund

With all due respect your concern a little silly, the company just raised a quarter billion dollars in 3 year deposits for the 1000 Founders editions of roadster, not to mention the thousands of other $50,000 deposits for the regular series roadster. You will get your deposit back. With my two prior...
by jdb
Sat Nov 25, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1484

Re: Charcoal grill

I would suggest splurging for the small Big Green Egg. Might as well get the best. And will last for many years, mine now going strong after almost 10 years. Good luck.
by jdb
Tue Nov 21, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8839

Re: Tesla truck unnveil

I like Tesla's product and that's the main reason I am buying Tesla's stock. That is a TERRIBLE reason to have 10% of your money in a stock. Terrible may be an overstatement. It worked for Peter Lynch of Fidelity Magellan fame. And though I am a statistically meaningless sample of one it worked for...
by jdb
Tue Nov 21, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 3919

Re: Your favorite Costco wines?

@TLC1957: I would smile and think that you have incredible sangfroid, good tasting wines at good price and to heck with labels, or you are just clueless. But I would enjoy the wines. Might be safer to stick with known non house brands despite your sangfroid. Just my two cents. Congrats on the weddin...
by jdb
Mon Nov 20, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 41
Views: 4233

Re: Warm Shirt for Winter

Note that I live in Florida so can’t be taken seriously though do spend time in Chicago in winter. For casual wear I like short sleeves and natural fabrics, recommend the Duluth Trading short sleeve sweatshirt, 80 percent cotton and very comfortable and warm, and great for layering, can wear long sl...
by jdb
Mon Nov 20, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 105
Views: 11978

Re: The valet smashed my Tesla into a brick wall!

If true my sympathies to the OP. Having owned a performance Model S now going on 6 years have assiduously avoided valet, and on the rare occasions when no other choice or when chauffeuring guests give the valet a $20 tip upfront to park within 100 yards of the place, well worth it. But to digress, w...
by jdb
Fri Nov 17, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8839

Re: Tesla truck unnveil

But what I really want are all electric Tesla (or any other brand for that matter) buses, especially tour buses. Have you ever been stuck in heavy traffic on two lane road behind diesel exhaust spewing large bus and couldn’t pass and had to breathe the fumes? Ought to be a law.
by jdb
Fri Nov 17, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5109

Re: My dad's army jacket

Wear it if it is meaningful to you. I have been wearing my father’s dog tags issued in 1942 which he wore through almost 4 years of jungle combat in New Guinea and the Pacific Islands and Philippines, found them in his cigar box with Army medals etc after he passed. He never spoke of his experience,...
by jdb
Fri Nov 17, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8839

Re: Tesla truck unnveil

Thanks for the link. I am waiting for the pickup truck.
by jdb
Thu Nov 16, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1156

Re: Maui Jim Sunglasses (or similar quality)

Absolutely love my MJ's. Bought them 4 years ago, have dropped them many times and they have not scratched. They were $89.99 at Costco in Arizona. The only problem I have had is that the little "sweat guard" near the forehead fell off and they don't have any replacements. Agreed, bought MJ at Costc...
by jdb
Wed Nov 08, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 5216

Re: "The small-cap effect really has failed to materialize"

Thanks nisiprius, it is comments like yours that get me to read this site at least once a day. And usually learn something each time.
by jdb
Wed Nov 08, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1991

Re: What is the story with the Apple iWatch Series 3?

As an early adopter now on the second generation watch (I dropped #1 on a marble floor and it did not do well) I enjoy the watch for silly reasons. It can keep my toddler grandchildren entertained touching the Mickey and Minnie Mouse faces to hear them speak the time. Every morning my coffee is brew...
by jdb
Tue Nov 07, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 861155

Re: What Book Are You Currently Reading? Part VI

Just finishing Admiral of the Ocean Sea by Samuel Eliot Morison. I very much enjoyed the Fourth Voyage of Columbus recommended on this site (thanks ruralavalon) and decided to go to one of its principal source books. The author, perhaps more famous for his multi volume History Of United States Naval...
by jdb
Wed Nov 01, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Matching bond duration to....?
Replies: 17
Views: 1148

Re: Matching bond duration to....?

I think there is too much negativity as to long term bond funds, especially as counterbalance to equities. For my retirement accounts the fixed income component a mix of TBM, TIPS ladder and Wellesley. But for taxable I really appreciate the Vanguard Admiral Long Term Tax Exempt, have as a rule of t...
by jdb
Tue Oct 31, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Should I switch from a muni bond ladder to a bond fund?
Replies: 12
Views: 1816

Re: Should I switch from a muni bond ladder to a bond fund?

At the Bogleheads conference a couple weeks ago a fellow attendee and friend told me he was considering the opposite, converting his bond funds into a muni ladder, a friendly financial institution would do it for 40 basis points. I told him that I have a muni ladder which I accumulated years ago usi...
by jdb
Fri Oct 27, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 686
Views: 31493

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Mel Lindauer wrote:
Fri Oct 27, 2017 11:57 am
spoco79 wrote:
Tue Oct 24, 2017 11:28 am
2522.69
You're almost a year late. Guesses were closed many moons ago.
Oh shoot, and I was waiting for December 30 to put in my estimate.
by jdb
Fri Oct 27, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4446

Re: Bogle: Vanguard's size a worry

I hope Vanguard at least doubles in size next 5 years. It would mean that millions more investors participating in their very low cost index based funds which will benefit the investors. Hopefully many more pension funds which now rip off their retirees by investing in the horrific hedge funds which...
by jdb
Tue Oct 24, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11580

Re: Can one have too much money in tax-deferred

There is nothing new under the sun. Over 30 years ago my then stockbroker friend advised me not to max out the retirement contributions, he wanted me to pay taxes and use what was left to buy more stock from him. And this was in the days of fixed price stock commissions when paid an arm and leg for ...
by jdb
Mon Oct 23, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 2841

Re: Pant Recommendations (Business Casual)

Business casual to me was always a pair of dress slacks and a decent shirt and proper shoes. I always had the slacks adjusted by a tailor when I bought them. The "casual" was the pitching of the jacket and tie. I normally kept a jacket and tie in my office. Some places I had to go would be awkward ...
by jdb
Mon Oct 23, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4506

Re: what is your weekly workout routine?

Age 69, retired. 3 to 4 hours manual labor every weekday morning in my tropical fruit tree orchard and apiary and tropical plant hobby nursery. After Hurricane Irma have been doing daily chain saw work plus even more heavy lifting. Take a break every Wednesday afternoon and Saturday for 18 holes of ...
by jdb
Fri Oct 20, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 113
Views: 27160

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

OK, I’m in during the subscription period, at least enough for Admiral shares of both funds, exchanges from Wellesley account in IRA. Liked the video of the manager, she is a former mechanical engineer, and at Boglehead conference yesterday a Vanguard executive responding to an audience question gav...
by jdb
Fri Oct 20, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: For those near retirement and rebalanced to Bonds...
Replies: 34
Views: 3742

Re: For those near retirement and rebalanced to Bonds...

In retirement. Bernstein Liability Matching Portfolio. Allocation 30/70. IPS detailed and intact and followed. Sleep factor 100% What the market does lately, or non-lately (is that a word?) is irrelevant. Ignore the noise. :D +1. I am not sure whether Sandtrap copied my IPS or I copied his but we b...
by jdb
Tue Oct 17, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 7412

Re: Vanguard expects "decent sized correction" soon

I rebalanced this morning. My wife has been reading all the headlines about the stock market constantly hitting new highs, market valuations high, anniversary of the 1987 crash and she wants us to reduce our exposure to stocks, "take money off the table". I said no way, we're not market timers. We'...
by jdb
Tue Oct 10, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174536

Re: Tesla ride

Bogleheads: I was invited to go for a ride in the top of the line Tesla with automatic steering. Without warning, the driver floored the accelerator. I painfully bumped my head on the headrest as we zoomed ahead. The acceleration was almost unbelievable and seems useless to me. Hands off the steeri...
by jdb
Tue Oct 10, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174536

Re: Tesla S

Sometimes a little perspective is needed. This thread began in summer of 2012. Tesla stock price then was less than $40. Now over $350. And most of the comments back then were not favorable. Our Tesla MS was delivered end of 2012. Same time we invested in company since were so impressed with the veh...
by jdb
Fri Sep 29, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 54315

Re: Any books really change your outlook on life?

Confessions of a Born-Again Pagan by Anthony Kronman.
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: 4609

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: 815

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: 880

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: 25907

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: 982

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: 3099

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: 2687
Views: 861155

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: 62
Views: 4396

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: 6455

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: 3131

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: 10144

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: 2895

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: 4757

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...