Search found 235 matches

by Dave_M
Sat Jan 10, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Recommendations for bathroom scale and an oral thermometer.
Replies: 11
Views: 1448

Re: Recommendations for bathroom scale and an oral thermomet

We have the "EatSmart Digital with extra large display". It has been very reliable and reads within a tenth of a pound of the weights all three regular users get at the gym (on 3 different beam scales). Had it about a year and a half, same batteries. Very highly reviewed on Amazon (over 10,000 revie...
by Dave_M
Sat Jan 10, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Payless Car Rental
Replies: 9
Views: 1990

Re: Payless Car Rental

It was a few years ago, but we had a horrible experience with Payless @ Ft. Lauderdale. It took over an hour to get the car; but that was nothing. When we returned it, they were having some sort of shuttle issues, and we eventually had to call a cab to take us to the airport. They just didn't care, ...
by Dave_M
Fri Dec 12, 2014 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Treat Bonds Like Stocks?
Replies: 8
Views: 965

Re: Treat Bonds Like Stocks?

Only the fund sold is restricted, in this case REITS. The 2 funds purchased have no restrictions.

And it is easy to work around - either by mail, as previously mentioned, or by using one of the other exceptions (automatic investment - search the forum for it)

Dave
by Dave_M
Thu Oct 16, 2014 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Siren song of increased stock allocation
Replies: 38
Views: 4122

Re: Siren song of increased stock allocation

I have been counting on this correction. Now I'm confused. In another post http://www.bogleheads.org/forum/viewtopic.php?f=1&t=148964&newpost=2227469 you comment that the recent decline has lead you to change your decision to retire in December (I use the term decision somewhat tongue in cheek here...
by Dave_M
Sat Sep 13, 2014 8:40 pm
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 48
Views: 5145

Re: Recommended World War I book

Since this is a Finance/Investment site, and since the OP asked about the aftermath, let me recommend "The Economic Consequences of the Peace", by John Maynard Keynes. http://www.amazon.com/ECONOMIC-CONSEQUENCES-REVISION-Timeless-Collection-ebook/dp/B00HX2NCEY/ref=sr_1_4?s=digital-text&ie=UTF8&qid=1...
by Dave_M
Fri Sep 12, 2014 9:53 am
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7859

Re: Clean, quiet, safe and cheap. Is there such a travel pla

There are a bazillion places that are clean, quiet, safe, and cheap. Few of them are interesting however. Are you also looking for interesting? Silly me. Yes, of course, interesting. I especially want the chance to meet other travelers from other parts of the world. In India and Guatemala I met lot...
by Dave_M
Mon Sep 08, 2014 5:52 pm
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 4998

Re: The daddy of all grill islands

Wish we had a pizza oven to use for making traditional thin pizzas like I've had in Italy or other various Mediterranean and middle Eastern flat breads. I have a friend who just got this http://www.kettlepizza.com/KettlePizza-Basic-KPB-22-p/kpb-22.htm (the larger one) and we sat around making indiv...
by Dave_M
Thu Sep 04, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495382

Re: What Book Are You Currently Reading? Part V

Recently I've enjoyed reading a variety of books r/t Roman history. On a similar note - you might try I, Claudius (and others along the same theme) by Robert Graves. I just recently picked up (kindle daily deal) I am Livia, by Phyllis T. Smith; it is supposed to be Livia's response to the allegatio...
by Dave_M
Tue Aug 26, 2014 8:13 pm
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1839

Re: Arches-Bryce-Zion road trip: Where to stay?

I have been to Moab twice in the last few years. I like the Best Western Canyonlands Inn downtown Moab. You can walk to some reasonable restaurants. You are close to Arches, Island in the Sky part of Canyonlands, and Deadhorse Point State Park. I'll assume you will be driving out on I-70. If so, yo...
by Dave_M
Wed Jul 23, 2014 9:25 pm
Forum: Personal Consumer Issues
Topic: Trip to OKC, what attractions to visit
Replies: 24
Views: 1506

Re: Trip to OKC, what attractions to visit

I don't think anyone has mentioned it (and given all the food suggestions, you may not be able to move), but there is a worls class rowing center in OKC. In fact, it's one of the official Olympic Training Centers. There is almost always something going on on the weekends, either training or competit...
by Dave_M
Sat Jul 19, 2014 8:48 am
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 11675

Re: Options/guidance for a lazy person to be fit

I also recommend this book: Younger Next Year: Live Strong, Fit, and Sexy - Until You're 80 and Beyond by Chris Crowley and Henry S. Lodge Someone gave my wife a copy of this several years ago (for me, not her :twisted: ), but I basically ignored it. Two years ago I finally got tired of the slow but...
by Dave_M
Sat Jul 12, 2014 9:45 am
Forum: Investing - Theory, News & General
Topic: Do TIPS protect against increases in Food and Energy.
Replies: 6
Views: 1524

Re: Do TIPS protect against increases in Food and Energy.

You're under a wrong impression. :oops: TIPS are adjusted by CPI. CPI most definitely includes food and energy (see http://www.bls.gov/cpi/ ) You often hear people discuss "Core Inflation" which excludes food and energy. Core inflation is useful because it is less volatile and presumably more indica...
by Dave_M
Sat Jul 05, 2014 11:41 am
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 3399

Re: Auto Accident/Insurance/Repair Question

Concerning deductible:

USAA originally told us we may need to pay the deductible, and then they wouls reimburse us, but about 3 days in they called and told us the other guy's insurer (Allstate) was already taking care of everything.

Dave
by Dave_M
Sat Jul 05, 2014 11:35 am
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 3399

Re: Auto Accident/Insurance/Repair Question

Hi Dave, How long did it take for you to get word on whether it was totaled or not? Did the process run smoothly? I have been assigned a case manager at USAA. I don't think the inspection will take place until the car is towed from the collision center to the body shop It was after it went to the b...
by Dave_M
Sat Jul 05, 2014 8:41 am
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 3399

Re: Auto Accident/Insurance/Repair Question

You should call USAA immediately. They will handle everything. I just went through this (other driver's fault, my car not drivable, not sure if totaled or not). I called USAA and they handled/coordinated everything. Thet booked the rental car, and told me not to worry about time restrictions, since ...
by Dave_M
Wed May 07, 2014 12:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495382

Re: What Book Are You Currently Reading? Part V

Just finished: Lunar Dance by Robert Sapp http://www.amazon.com/Lunar-Dance-Robert-Sapp-ebook/dp/B00AECQ440/ref=sr_1_1?s=books&ie=UTF8&qid=1399484425&sr=1-1&keywords=Lunar+Dance Deals with NASA engineers who find themselves out of work following the end of the Shuttle missions, who look to commercia...
by Dave_M
Mon Apr 14, 2014 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to do it right the 1st time around
Replies: 10
Views: 870

Re: Trying to do it right the 1st time around

Are you sure about that State tax rate? I thought Texas had a 0% tax rate.
by Dave_M
Tue Mar 18, 2014 5:16 pm
Forum: Personal Consumer Issues
Topic: Soliciting Ideas for Colorado Vacation in June
Replies: 29
Views: 4185

Re: Soliciting Ideas for Colorado Vacation in June

A couple of comments: fishnskiguy gives a great itinerary, so I'll just add a few suggestions. As you go down 115 towards Penrose/Canon (pronounced CanYon) City, you'll pass the Sky Diving operation where a lot of the cadets jump and where the Academy Sky Dive team members practice. Lots of the cade...
by Dave_M
Sat Mar 08, 2014 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: electronic transfer of funds
Replies: 6
Views: 857

Re: electronic transfer of funds

I believe there are dollar limits on electronic transfers such as $100,000 at Vanguard. Bruce Not so at Vanguard. *I asked this exact question a week ago http://www.bogleheads.org/forum/viewtopic.php?f=1&t=134104 and found the only limits they have are the built in ACH limits of $999,999,999.99 (I ...
by Dave_M
Sun Mar 02, 2014 10:43 am
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 3075

Re: Best way to safely increase expected returns

Since you didn't post all the pertinent details of the hypothetical 40 yo, this may be moot, but eliminating debt can significantly improve the return on the fixed income portion of your portfolio at low risk. Even a 'low cost' mortgage can be eliminated, giving a risk free, tax free return greater ...
by Dave_M
Sat Mar 01, 2014 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Limits on Electronic Funds Transfers?
Replies: 8
Views: 1260

Re: Limits on Electronic Funds Transfers?

Thanks everyone. I called Vanguard, and they don't have any limits (at least none that impact the amount I'm moving). I'll call my bank Monday to check with them.

Thanks again for all the responses.

Dave
by Dave_M
Sat Mar 01, 2014 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Limits on Electronic Funds Transfers?
Replies: 8
Views: 1260

Re: Limits on Electronic Funds Transfers?

Thanks, but I was hoping to avoid wiring, and just initiate a pull through Vanguard. But your first advice is probably the proper course (call them :oops: )

Thanks

Dave
by Dave_M
Sat Mar 01, 2014 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Limits on Electronic Funds Transfers?
Replies: 8
Views: 1260

Limits on Electronic Funds Transfers?

Quick question - does Vanguard (or the system) impose dollar limitations on transfers? I need to move several hundred thousand to Vanguard, and if possible would prefer to do it online.

Thanks

Dave
by Dave_M
Thu Jan 16, 2014 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 59
Views: 8681

This isn't new...

Try googling kondratieff cycle. Similar theory put forth early in the 1920's, by a soviet economist. As someone said, you can find patterns anywhere. I like economic activity cycles tied to sunspot cycles; shorter term 11 year, and longer term 77 year. 8-) Except it failed last time around :annoyed ...
by Dave_M
Sun Dec 08, 2013 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Automatic withdawal more than the account balance?
Replies: 11
Views: 943

Re: Automatic withdawal more than the account balance?

One caveat - my transactions never left Vanguard. If it was me, I would try to avoid the 'out' (to your bank) part. Maybe open a mmf account at VG and run everything through that.

Dave
by Dave_M
Sat Dec 07, 2013 5:25 pm
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 4298

Re: What your your favorite/recommended CLASSIC (old/free) b

Chaz wrote: The plays by Shakespeare. This is where I would spend a dollar for the complete works, and then just immerse yourself in it. An example, of many available (be sure to use the link on the Boglehead home page if you're actually buying): http://www.amazon.com/SHAKESPEARE-Illustrated-Shakesp...
by Dave_M
Sat Dec 07, 2013 5:07 pm
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 4298

Re: What your your favorite/recommended CLASSIC (old/free) b

You can get all of Melville for free. Moby Dick, of course, but his shorter stuff (Billy Budd, Bartelby,...) or his shorter early works are really good also. In addition to free, Amazon often has collections with good interactive Tables of Contents and such for under a dollar. May not be completely ...
by Dave_M
Sat Dec 07, 2013 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic withdawal more than the account balance?
Replies: 11
Views: 943

Re: Automatic withdawal more than the account balance?

A few years ago, I was using a scheduled purchase as part of a circumvention of the '60 day' rule (as part of a TLH - repurchase of original fund after 31 days) I did exactly what you are considering - just set the transaction for more than the total could be; they will exchange the balance in the a...
by Dave_M
Sun Nov 10, 2013 10:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495382

Re: What Book Are You Currently Reading? Part V

jebmke wrote:
The Machine Stops - a novella by E.M. Forster
FYI, Amazon has the Kindle edition of this for $0.99. Don't know if that usual or limited time.

Dave
by Dave_M
Wed Nov 06, 2013 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Would you relocate to a city with a wage tax? (Pittsburgh)
Replies: 42
Views: 5073

Re: Would you relocate to a city with a wage tax? (Pittsburg

ladybird wrote: I read that Denver's city income tax was $5.25 a month for income over $500. Is that data incorrect? I'm not sure. I think that is a requirement on employers, in lieu of withholding. I haven't worked in the city proper (or anywhere else :D ) for several years, but my son in law's off...
by Dave_M
Wed Nov 06, 2013 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you relocate to a city with a wage tax? (Pittsburgh)
Replies: 42
Views: 5073

Re: Would you relocate to a city with a wage tax? (Pittsburg

I hate to through cold water into this, but Denver also has a city income tax that you pay if you work in the city, regardless of where you live.
by Dave_M
Sun Oct 27, 2013 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Dumb question on [Tax Loss Harvesting] Mechanics
Replies: 10
Views: 673

Re: Dumb question on TLH Mechanics

Don't forget that any interest received in the last 6 (??) months reduces your realizable loss
by Dave_M
Tue Sep 24, 2013 1:08 pm
Forum: Personal Consumer Issues
Topic: Well Read 40
Replies: 25
Views: 3692

Re: Well Read 40

YttriumNitrate wrote: They also tend to be very Western-centric. None of the four great classical novels of Chinese literature are on that list. The older version of this: http://www.amazon.com/New-Lifetime-Reading-Plan-Literature/dp/0062720732/ref=sr_1_1?s=books&ie=UTF8&qid=1380045735&sr=1-1&keywor...
by Dave_M
Sat Aug 31, 2013 5:26 pm
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 3518

Re: Denver - where to stay, what to do and see?

Quick comment on SteveB3005's post:

If you want to see the Cardinals, you might want to get tickets in advance; they are in contention, and tend to have lots of fans here. Just google the Rockies ticket office (or Stub Hub, or King Soopers) to make sure.
by Dave_M
Sat Aug 31, 2013 5:22 pm
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 3518

Re: Denver - where to stay, what to do and see?

OK then - where you will be will seem (and is) very safe. Lots of people out walking around. Good restaurants. Right around the corner is The Broker, it's a restaurant in the vault of an old upscale bank. Pretty good food, and fairly reasonable. Within a ten minute walk there are literally dozens of...
by Dave_M
Sat Aug 31, 2013 4:43 pm
Forum: Personal Consumer Issues
Topic: Denver - where to stay, what to do and see?
Replies: 39
Views: 3518

Re: Denver - where to stay, what to do and see?

Hi Tony: I'll quickly try and answer a few of your points, and then give it some more thought and expand later when I have a little more time. Crime: Like most good sized cities, there are areas you don't want to be after dark (and a few anytime), but in Denver these are relatively scarce, and not w...
by Dave_M
Thu Aug 29, 2013 7:36 pm
Forum: Investing - Theory, News & General
Topic: Effect of dividend & interest rates on safe withdrawal rate
Replies: 12
Views: 1135

Re: Effect of dividend & interest rates on safe withdrawal r

Hope I'm not offending ' EmergDoc' by quoting something he offered in another post http://www.bogleheads.org/forum/viewtopic.php?f=10&t=122312&newpost=1790242 he wrote: Seriously, all these mental exercises on developing withdrawal rules seem to be trying to do too much with very limited data that m...
by Dave_M
Thu Aug 29, 2013 11:43 am
Forum: Investing - Theory, News & General
Topic: Effect of dividend & interest rates on safe withdrawal rate
Replies: 12
Views: 1135

Re: Effect of dividend & interest rates on safe withdrawal r

Browser: 2 points: 1) If you believe 4% is too risky, base your assumptions on some lower amount. Just don't expect others who have actually read the studies to necessarily agree with you. 1a) You make broad assertions concerning the state of returns "for the next 30 years". I would encourage you to...
by Dave_M
Wed Aug 28, 2013 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Birthdate and first social security payment
Replies: 46
Views: 71377

Re: Birthdate and first social security payment

Now I'm confused: if I receive a check in September, it is for August. So if I die in September, the September check is still for August, a month I was presumably alive for the entire month. What am I missing here? When my mother died in late December, she had already received her December check (de...
by Dave_M
Thu Aug 22, 2013 8:07 pm
Forum: Personal Consumer Issues
Topic: re: going to Bryce/Zion (and a bit of Vegas)
Replies: 42
Views: 4001

Re: re: going to Bryce/Zion (and a bit of Vegas)

Something no one has mentioned is that if you stay in Springdale, you can catch the shuttle right in town (several convenient stops). And I concur about Angel's landing and the Watchman trails; but remember - what goes up must come down. If you aren't used to hiking steep downhills, you may find tha...
by Dave_M
Thu May 23, 2013 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging Funds and Tax Implications
Replies: 6
Views: 508

Re: Exchanging Funds and Tax Implications

Scooter57 wrote: If you sell a bond fund in your taxable account Vanguard won't let you buy the same fund in your IRA account until the 60 day no-trade period is over. I validated this with my Flagship rep. I have sold in one account, and bought the same thing in another (SEP IRA to Roth; Roth to T...
by Dave_M
Thu May 23, 2013 9:16 am
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 19927

Re: Long Distance Walking

detroitbabu wrote: I am hiking (up and down) Pikes Peak via Barr trail in July. A great hike. They run an up and down marathon there too. make sure and train quite a bit for the downhill, it is usually what people say is the toughest thing. I did it last summer (after the fires), and was happy I spe...
by Dave_M
Tue Mar 26, 2013 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Question; selling one fund and buying another - taxes
Replies: 8
Views: 743

Re: Simple Question; selling one fund and buying another - t

Simple answer - yes. Whether or not you actually pay anything is a function of your tax bracket; the lower one are taxed at a zero rate on cap gains. Also, be sure to account for any reinvested dividends when calculating your gains. You have already paid taxes on those, so any gain attributable to d...
by Dave_M
Sat Feb 16, 2013 1:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495382

Re: What Book Are You Currently Reading? Part V

tranmr wrote: Re-reading a favorite of mine, Revenge of the Lawn: Stories 1962-1970, a collection of sixty-two short stories written by Richard Brautigan. I just picked up the Kindle collection of "Trout Fishing in America" and "In Watermelon Sugar". Still no Kindle version of my favorite Brautigan;...
by Dave_M
Tue Feb 12, 2013 4:31 pm
Forum: Personal Consumer Issues
Topic: Military Prep School
Replies: 45
Views: 5126

Re: Military Prep School

MP173: I 'interact' regularly with a fairly large number of AFA cadets, as well as graduates. I am constantly amazed by the quality of the young men and women I meet. As a former professor at a major state university, and then at an elite (but not Ivy) private university, the academic effort and ach...
by Dave_M
Wed Jan 30, 2013 1:59 pm
Forum: Investing - Theory, News & General
Topic: Inflation: The long and short of TIPS
Replies: 11
Views: 4084

Re: Inflation: The long and short of TIPS

That's an easy one:

3/4*r^4; or if you prefer (3*r^40)/4

and my High School Calc teacher would remind me to add +c, for the constant term that 'went away' during differentiation

so: 3/4*r^4 + c

(my ti-89 says so, so it must be right) :sharebeer

dave
by Dave_M
Wed Jan 23, 2013 5:59 pm
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 7857

Re: If market drops 50% in a week will you rebalance?

athrone:

So now I have to actually read the post you're answering :oops:

Why wasn't I told this :confused

Your figures do indeed add up, and I retract my (possibly perceived as snarky) comments :sharebeer

dave
by Dave_M
Tue Jan 22, 2013 2:57 pm
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 7857

Re: If market drops 50% in a week will you rebalance?

athrone wrote: What do you do if it drops another 50% on the second week? That is only a 75% total drop, and one that has occurred many times in the past, as recently as 2008 in some sectors. If you are 60/40 stocks/bonds, you would have lost 65% of your wealth in two weeks -- barely better than if ...