Search found 473 matches

by leo383
Wed Nov 25, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94423

Re: Flaunt Your High-Mileage Car

2006 Toyota Sienna minivan.

233,000 miles. Shows no signs of giving up any time soon.
by leo383
Tue Nov 10, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: How do YOU handle home security [alarm systems]
Replies: 89
Views: 6725

Re: How do YOU handle home security [alarm systems]

"Most of my neighbors are spending a lot of money monthly on alarm/notification systems. I don't see the point." Quote: "For Durham, we found that the violent crime rate is one of the highest in the nation, across communities of all sizes (both large and small). ... In Durham, your c...
by leo383
Tue Nov 10, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: How do YOU handle home security [alarm systems]
Replies: 89
Views: 6725

Re: How do YOU handle home security [alarm systems]

No alarm system.

I did buy an ADT sign on eBay and put it out front.

I keep the blinds mostly shut, leave lights here and there on overnight, and lock the doors.

Most of my neighbors are spending a lot of money monthly on alarm/notification systems. I don't see the point.
by leo383
Tue Jul 28, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: My Bank Is Changing--What Documents Do I Need?
Replies: 3
Views: 387

My Bank Is Changing--What Documents Do I Need?

My bank (Crescom) is becoming United Bank in a few days. I have a checking account there and my wife's small business uses them. We use the online banking. In the past we have had issues when banks change over and account info is delayed/lost/etc. and it just doesn't fill me with confidence that thi...
by leo383
Sat May 23, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 13068

Re: Approaching 40, worried about financial future

The great majority of people retire with FAR less than $1 million. Yet somehow they do.

This forum is great, but it's a super affluent bubble that can make an average Joe feel inferior in a hurry. Don't let it.
by leo383
Tue Apr 21, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22921
Views: 3006942

Re: U.S. stocks in free fall

AnalogKid22 wrote: Mon Apr 20, 2020 3:17 pm Pandemic, unemployment, oil. Next?
War.
by leo383
Sun Mar 22, 2020 10:45 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56947

Re: How Is Your Job Being Impacted By The Current Crisis?

I work for a non profit community center. We are closed until March 30 officially, my guess is for much longer. I am being paid through all of this, for which I am very grateful. Wife is a pharma consultant and has her own business. My guess is business will be okay. I am worried about the future lo...
by leo383
Sat Sep 08, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4902

Re: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

I had a consultation with NW Mutual and their recommendation was mostly all Index funds / ETFs They did have some recs for PIMCO Income and PIMCO commodities. They would pay all transaction costs and charge a 1.2% yearly fee. They did not recommend one NW Mutual fund So it looks like maybe at a pla...
by leo383
Thu Sep 06, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4902

Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

The last 20 years or so I have wanted to be a financial advisor. I am, however, a committed Boglehead and understand the sheer difficulty in running an advisor business that adheres to Boglehead principles. Could a person work for Edward Jones/Massmutual/et al. and put their clients in index funds/o...
by leo383
Tue Aug 21, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1667

Do Universities "Bait and Switch" Financial Aid?

I'm asking for input from those who have put kids through college and have used financial aid. I figure that is many. In two years our oldest will start college. My wife is all in for the kids to go to one of our very good state schools. I think that's fine, but I'd rather not limit things so much. ...
by leo383
Mon Aug 13, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10737

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

Funny considering Vanguard's raison d'etre is the uselessness of prognosticating markets.
by leo383
Sat Jul 14, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 109
Views: 7031

Re: Advice on IT Certification program

My medium sized metro area has many opportunities for computer minded people to get together and learn/network/hang out. Just about all of them are free, or close to it. For example, meetup.com I would suggest the kid sign up for the program at the college, but more importantly, attend every informa...
by leo383
Wed Jun 20, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 53
Views: 7752

Re: General Electric booted from Dow Jones Industrial Average

Dead Man Walking wrote: Wed Jun 20, 2018 12:18 am I thought Jack Welch was a genious. What happened?

DMW
It might have all been luck.
by leo383
Thu Jun 08, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 84
Views: 18069

Re: Laundry lifestyle creep

I have found that with our front loading washer, I can use a fraction of what the machine and soap company suggests, and the clothes come out clean.

I'm a fan of Tide and Persil. 1/4 as much as recommended, and the really big bottle lasts a long time.
by leo383
Thu Feb 02, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Business Valuation
Replies: 1
Views: 311

Getting a Business Valuation

My wife is interested in getting a valuation of her consulting business. They work with pharmaceutical companies in finding key doctors to help with bringing drugs to market. 13 full time employees, about 20 part time contractors. 2-3 million in revenues per year. What would you do if you wanted to ...
by leo383
Fri Jan 20, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 68
Views: 90004

Re: Thinking of getting tires from Costco

The prices are fine, the services Costco offers are excellent, but I just couldn't handle the wait times when we had Costco tires.

3-4 hours to get tires rotated? Insane.

I now go to Discount Tire and have been very pleased.
by leo383
Sun Dec 11, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 8711

Re: Ideal two vehicle combo?

If you're serious about maybe having three kids at some point, you're in minivan territory. At the very least you're best off only looking at vehicles with three rows of seats. We have three kids and no sedan/coupe/small SUV is enough. They just don't have enough space for three in one row. Trust me...
by leo383
Sun Jul 24, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Whole House Humidifier
Replies: 11
Views: 1494

Re: Whole House Humidifier

retiredjg wrote:leo383, do you know the brand of the humidifier you have?
It's made by Essick Air.
by leo383
Sun Jul 24, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Whole House Humidifier
Replies: 11
Views: 1494

Re: Whole House Humidifier

We have a 220o sq ft house and one whole house humidifier. It's a life saver in the winter. I run it pretty much constantly, even here in NC, from November through February. We have a humidity meter in the house and I try to keep the humidity around 40-45%. It looks like this. http://www.iallergy.co...
by leo383
Mon Jul 11, 2016 8:35 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 33327

Re: What's your asset allocation and why?

80/20, and I'd eventually like to glide path down to something like 60/40 in my golden years. Not yet though.

We were 100/0 until about five years ago. I slept well then, and I do now.
by leo383
Sat Jul 02, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Stimulating toys for 3-5 year old
Replies: 18
Views: 2468

Re: Stimulating toys for 3-5 year old

Ball.
by leo383
Sun Jun 26, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6539
Views: 1449656

Re: What Movie Have You Recently Watched?

There Will Be Blood on Netflix.

I didn't see it when it was in theaters and I'm a pretty big Daniel Day-Lewis fan, but the ending was so hugely disappointing that the movie was ruined for me.
by leo383
Mon Jun 15, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 11751

Re: Where do you keep your to do list?

I keep a very small Moleskine notebook and a pen on me just about all the time.

No technological solution has worked for very long for me yet.
by leo383
Wed May 06, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 4668

Re: Looking to Retire in Cleveland

Have you looked at Columbus?

Many of the amenities that Cleveland has, but a lot better weather.

We have very good friends who have made Columbus their home, and I'm impressed by the city more every time we visit.
by leo383
Mon Apr 27, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 9939

Re: Quietest garage door and opener

I have no hard scientific data, but my Sommer garage door opener is far quieter than that of any of my neighbors. Not even close. Can't hear it from inside the house, either.

http://www.sommer-usa.com/
by leo383
Fri Apr 10, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Free Phone Service for my PTA?
Replies: 4
Views: 829

Free Phone Service for my PTA?

I am the treasurer for the local PTA council. We oversee all of the PTAs in our city school system. We don't have an office At our last meeting, it was noted that having a phone number for the PTA would be a good thing. A number people could call, leave a message, and get a call back from someone wi...
by leo383
Sat Apr 04, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 14965

Re: Did you learn anything from 2008?

abuss368 wrote:I have learned that over time, markets work!
This stock market recovery has had very little to do with markets.
by leo383
Tue Mar 31, 2015 5:11 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 14965

Re: Did you learn anything from 2008?

There will be a time when the market crashes and doesn't recover.

I would caution against the "I knew all along it would come right back" line of thinking. No one knew at the time anything of the sort.
by leo383
Tue Mar 31, 2015 5:10 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 14965

Re: Did you learn anything from 2008?

For the people that sold in 2008, when did you re enter the market? My neighbor and his wife sold near the bottom in 2009 and bought into a stable value fund and are still in it. He now considers the stock market to be "gambling". I guess it will take a bull much larger than the post 2009...
by leo383
Sun Jan 11, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 5144

Re: Humidifiers

No one around here (central NC) will install a whole house humidifier on the heat system due to liability issues.
by leo383
Sun Jan 11, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Garage door openers - recommended brand, model?
Replies: 15
Views: 4435

Re: Garage door openers - recommended brand, model?

We bought a Sommer from Lowe's a few years ago, and had Lowes install it. The quietest opener I have ever experienced. Highly recommended.

http://www.sommer-usa.com/
by leo383
Fri Jan 09, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 5144

Re: Humidifiers

OP, you just don't have enough firepower. You should have enough humidifier to keep the house between 40-50% humidity. Get one that can easily handle 500 more square feet than your home, that way you won't come up short. You can turn these things down, but can't turn them up if they are maxed out. W...
by leo383
Sat Dec 06, 2014 6:36 am
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 3068

Re: Teeth whitening

I used the Crest White Strips a few years ago, and was very impressed with the results. I didn't expect much, but they worked.
by leo383
Wed Oct 15, 2014 7:52 pm
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1882

Re: New case of Ebola in U.S.: Is it the latest market headw

Gauss44 wrote:Cost of treating an ebola patient in the USA:

--$1000 an hour or

-- over half a million dollars per patient

How is the government going to pay for that? Any ideas?
That would actually be an excellent economic stimulus.
by leo383
Fri Aug 15, 2014 4:31 am
Forum: Personal Consumer Issues
Topic: tipping a house painter?
Replies: 13
Views: 19732

Re: tipping a house painter?

We had a small painting company paint much of our house a few years ago.

I bought nice coffee and muffins for them every morning while they were here. They were grateful, and I figured it prevented any possible trouble if I tipped the lead painter and trusted him to evenly distribute the tip.
by leo383
Sat Jun 28, 2014 10:37 am
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 7489

Re: How many Bogleheads golf?

I would think a lower percentage of Bogleheads golf than the general population.

Seems like a sport where it would be difficult to maintain a Boglehead attitude. I could be wrong.
by leo383
Mon Jun 09, 2014 7:18 am
Forum: Investing - Theory, News & General
Topic: What is the worse case scenario for total bond going forward
Replies: 46
Views: 6700

Re: What is the worse case scenario for total bond going for

Epsilon Delta wrote:You're all pikers.

In a worse case scenario there is nobody left to worry about the bond market.
:twisted:

A pessimist says "things can't possibly get worse."
On optimist says "oh yes they can."
by leo383
Tue May 27, 2014 10:14 am
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 5952

Re: This market is a snoozer, do you like it?

When the DOW is at 100,000 in 30 years, it won't matter that much what the prices were today... You'll still be pretty happy. Absolutely no guarantee that it will be there. It might very well be at zero. Almost a religious belief that it will go up over time. What if it's exactly where it is today ...
by leo383
Fri May 23, 2014 7:05 am
Forum: Personal Investments
Topic: How to Attack Wife's Student Loans
Replies: 25
Views: 2855

Re: How to Attack Wife's Student Loans

At 6.8%, I'd pay them both off then replenish the emergency fund over the next year or so.
by leo383
Mon Apr 28, 2014 6:14 am
Forum: Investing - Theory, News & General
Topic: POLL: the WORST financial advice you've given/received?
Replies: 61
Views: 17707

Re: POLL: the WORST financial advice you've given/received?

Late 1990s I got a friend interested in investing. I had him put lots of money into Janus and Marsico funds, the go-go funds of the time.

It still haunts me. He is now an index fund fan, and we are still friends.
by leo383
Tue Apr 08, 2014 6:54 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 22073

Re: Expensive hobbies and possessions? (B/c you can...)

Electric bass guitars and amps.

I have 9 bass guitars and three amp setups. Probably have about $7-10K wrapped up in all of it. Really, nothing else I do costs all that much.
by leo383
Mon Mar 17, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Just Got a Letter: Our PMI Has Been Automatically Canceled?
Replies: 4
Views: 1802

Re: Just Got a Letter: Our PMI Has Been Automatically Cancel

I intend to throw the extra $100 at the mortgage.

We are at 4.25% fixed on the mortgage rate. I do look at it like a guaranteed return, which is a rare thing. :happy
by leo383
Mon Mar 17, 2014 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Just Got a Letter: Our PMI Has Been Automatically Canceled?
Replies: 4
Views: 1802

Just Got a Letter: Our PMI Has Been Automatically Canceled?

We were getting close to not needing PMI on our mortgage (was doing the math in my head every month :) ), and I was semi-dreading the process of asking to have it removed. I have read over they years what a pain it is to get rid of PMI. Saturday, I received a letter from our mortgage company telling...
by leo383
Sun Mar 09, 2014 9:33 pm
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 54949

Re: Tipping for a haircut at Great Clips

I think 20% (rounded up to the nearest dollar) is reasonable for satisfactory service. However, if one uses coupons, the tip should be based on the regular price. Definitely tip based on the regular price, before taxes. Years ago I was a waiter at a (pretty nice) restaurant that celebrated its 50th...
by leo383
Sun Mar 02, 2014 3:14 pm
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 9924

Re: washing machine - front loader or HE top loader?

I am a single guy living in Southern California and have been using the same Frigidaire front loading washing machine that I purchased from Lowes in 2004. It has performed flawlessly. To avoid any problem with mildew, I have always just left the front door open. Of course when I had a top loading m...
by leo383
Sun Feb 23, 2014 8:49 am
Forum: Investing - Theory, News & General
Topic: Small Investors Jump Back Into the Trading Game
Replies: 30
Views: 3192

Re: Small Investors Jump Back Into the Trading Game

Because a 20 something has insight and research that no one else has.

I have a feeling that this time will be different!
by leo383
Sun Feb 16, 2014 8:15 pm
Forum: Personal Consumer Issues
Topic: Kindle eBook, "Thinking, Fast and Slow", $2.99
Replies: 15
Views: 2860

Re: Kindle eBook, "Thinking, Fast and Slow", $2.99

Also $2.99 for the Nook. I just bought a copy.

I got this book out from our library a year or so ago, but it's not really a book that lends itself to a quick read.
by leo383
Fri Jan 31, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Market timing failures stocking up on specials?
Replies: 26
Views: 2889

Re: Market timing failures stocking up on specials?

telemark wrote:I haven't read Mr. Tobias' book, but I'm guessing he wrote it when inflation was considerably higher than it is now.
Yes.
by leo383
Wed Jan 15, 2014 7:12 pm
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 10932

Re: percolator vs drip

Keurig most days, sometimes use our Ready Set Joe by Melitta.

Image
by leo383
Sun Jan 05, 2014 5:30 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 17853

Re: Do you invest in a taxable account?

Yes. We try every year to max Roths and 401(k) as best we can (wife has very, very unpredictable income every year, I don't have a regular income). For a few years, all we had was our Roths as tax exempt, so I put money away in taxable accounts. I keep it close to our 80/20 allocation. Tax Exempt In...