Search found 489 matches

by tony5412
Fri Mar 13, 2020 1:28 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 519
Views: 48113

Re: The Calm Post - Stay the course thread.

Someone posted this in the comments section of an article from another website and I thought I'd re-post it here. This guy must be a Boglehead. --------------------------------------------- For average folks the best thing to do is to dollar cost average into your retirement accounts, steady as she ...
by tony5412
Thu Mar 12, 2020 11:56 pm
Forum: Investing - Theory, News & General
Topic: CHART: Current Downturn vs. 2008-09 Financial Crisis
Replies: 34
Views: 3944

Re: CHART: Current Downturn vs. 2008-09 Financial Crisis

Is it just my perception, or are humongous “grizzly bear” type crashes becoming more the norm than they were from 1940-1990? CoastalWinds, Rules imposed after the Great Depression made finance very boring for a very long time. Those rules have all since been repealed. Finance is no longer boring, r...
by tony5412
Thu Mar 12, 2020 11:53 pm
Forum: Investing - Theory, News & General
Topic: How much could we theoretically lose?
Replies: 128
Views: 10643

Re: How much could we theoretically lose?

We have had 5 major draw downs since 1871. 18something 1929 1960's & 70's 2000 2008 With the exception of the Great Depression, the max drawdown was 50% which occurred a few times, with the more common being 30-40%. https://awealthofcommonsense.com/wp-content/uploads/2016/04/DDs.png https://awe...
by tony5412
Thu Mar 12, 2020 11:48 pm
Forum: Investing - Theory, News & General
Topic: How much could we theoretically lose?
Replies: 128
Views: 10643

Re: How much could we theoretically lose?

It's not about the percentage that gets sick or the percentage that dies. It's about entire countries shutting down their economies to stop the spread. Don't focus on the economic impact of 50,000 sick or 5,000,000 sick. The economic effects are already happening now. Nobody is traveling, nobody is...
by tony5412
Wed Mar 11, 2020 12:15 pm
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

Have you considered the Bogleheads style of investing? Here's a good place to learn more: https://www.bogleheads.org/wiki/Getting_started Already doing it. :) Other than this and a couple of other individual stocks (which are more stable and have fared better than MRO), the rest of my portfolio is ...
by tony5412
Wed Mar 11, 2020 12:13 pm
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

Oil prices vary depending on the marginal price. If there is a slight excess of supply, it has a big effect on the crude price. The same holds for a slight excess of demand (or shortage of supply). The oil companies vary from those who are more exploration and production oriented (crude producers),...
by tony5412
Wed Mar 11, 2020 12:09 pm
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

I suspect our world’s capacity to produce oil is, surprisingly, exceeding demand, and we may be seeing this play out in the market for some time to come. I say surprisingly because I once thought (naively?) that oil would be running out and rising to higher and higher prices, making solar, wind, an...
by tony5412
Wed Mar 11, 2020 12:02 pm
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

It looks appealing from a speculative perspective, but no thanks. I am moving away from single stocks and buying supressed sectors. Give me the index. that way I don't have to worry about needing one sector to recover and outpace the rest. I am restructuring my portfolio and preparing to take the l...
by tony5412
Wed Mar 11, 2020 11:58 am
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

Nowizard wrote: Wed Mar 11, 2020 11:29 am Considered the same question today and decided not a reasonable purchase unless held for the long term, meaning possibly a decade.

Tim
It's in my IRA, which I cannot touch for well over a decade anyway.
by tony5412
Wed Mar 11, 2020 11:55 am
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Re: Would you buy oil stock at this time?

If it was good at $15, what do you think? The short term fundamentals have changed, what about the long term fundamentals? There is extreme panic right now based on a war of words between two countries. Just a year or two ago, people in the industry were saying the Sauds couldn't pump more than 10 ...
by tony5412
Wed Mar 11, 2020 10:51 am
Forum: Personal Investments
Topic: Would you buy oil stock at this time?
Replies: 24
Views: 1472

Would you buy oil stock at this time?

I purchased a number of Marathon Oil stock (MRO) at $15 per share, approx five years ago. Seemed like a reasonable price at the time. It's down a whopping 75% or so since then. There's no sense in selling now but I'm thinking about purchasing more as it's at an all-time low. At $4 per share, it hasn...
by tony5412
Mon Jan 27, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Do you pay attention to Proposition 65 warnings when you buy something?
Replies: 25
Views: 1681

Do you pay attention to Proposition 65 warnings when you buy something?

This is the wording: ----- WARNING: This product can expose you to chemicals including (name of one or more chemicals), which is (are) known to the State of California to cause cancer and birth defects or other reproductive harm. For more information go to www.P65Warnings.ca.gov. ----- A few things ...
by tony5412
Sun Dec 22, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

I received a statement the other day form the health insurance company. They received the hospital bill and fully paid it. The bill I received previously were from the doctor who was there at the time. They did not turn it into my insurance company. They did discount it heavily but I am still on the...
by tony5412
Sun Dec 22, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

Mr. Rumples wrote: Thu Dec 19, 2019 1:58 pm They should have advised you of what to do and really its not up to you or them to determine their liability, that's what the Commission is for - at least in Va.
They did not. I was asked to complete and accident report but was not told where to go from there. I will need to reach out to HR.
by tony5412
Thu Dec 19, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is any one uncomfortable with their wealth?
Replies: 152
Views: 12362

Re: Is any one uncomfortable with their wealth?

I’ve been to a bunch of Christmas parties recently where people are discussing their incredible stock market gains with statements like, “I won’t be able to spend all my money in my lifetime’, ‘I’m $1.5 million richer’. I too am blessedly in the same situation but am having a hard time for two reas...
by tony5412
Thu Dec 19, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 16422

Re: yet another reason not to get a smart phone

^
That is somewhat of a disrespectful post. It's not like they are not bringing up good points.
by tony5412
Thu Dec 19, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

Thanks for the replies. I don't feel so bad now. This was my first work-related injury so I wasn't sure how to handle.
by tony5412
Thu Dec 19, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

This is definitely a Workman's Comp claim, and those bills should all be covered as long as you reported it to your employer. I'm surprised the hospital didn't ask you to complete forms claiming Workman's Comp. Although things may have changed regarding the forms since I was in the workforce . One ...
by tony5412
Thu Dec 19, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

For $250, I wouldn't. Unless there is a chance that this injury could lead to something more serious. It is just not worth the effort and potential stigma it could bring. This is really bad advice. Workmen's compensation protects the company and the worker. There is no "stigma", and comme...
by tony5412
Thu Dec 19, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

jpelder wrote: Thu Dec 19, 2019 12:05 pm Your employer should have some kind of workman's compensation policy. Speak to HR, and document everything
You're right, I should speak to HR, just didn't want to come across as if I am trying to take advantage of the company.
by tony5412
Thu Dec 19, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Re: Injured at work, should I bill my employer?

If it happened on the job, there must be some sort of reporting form. Am incident report. When you went to the ER you should have had info from your employer on how to report it to the ER and have it billed that way. I did fill out an incident report but they didn't give me any info regarding that.
by tony5412
Thu Dec 19, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Injured at work, should I bill my employer?
Replies: 57
Views: 4416

Injured at work, should I bill my employer?

I don't want to get too specific but it required an emergency room visit and stitches. I received a couple of bills (so far) and the total is approximately $250. One bill was actually over $1100 (for emergency eval and services) but I received a large "uninsured discount" of approx $900 ev...
by tony5412
Sat Apr 20, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

BTW how far do you all go when it comes to having them prove they are licensed and insured? Would an ad in the phone book be sufficient? I was talking to an aquaintence about this and he said that they often get upset when he has had them verify this by showing their policy card or giving him their ...
by tony5412
Sat Apr 20, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

HomeStretch wrote: Sat Apr 20, 2019 10:33 am Hire a reputable insured professional to remove the trees. Well seasoned pine firewood is ok for outdoor fires. I don’t use it for indoor fireplaces as pine is a softwood and the high sap content can lead to creosote buildup in chimneys.
Interesting, good to know.
by tony5412
Sat Apr 20, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

I wouldn’t try the pine tree myself, so while the tree guy is there get an estimate for both. Making it fall in the right direction isn’t as easy as it looks. Get 3 estimates, tree company prices are all over the place. Include stump grinding if possible. Make sure they are insured. Ask for the bes...
by tony5412
Sat Apr 20, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

kilkoyne wrote: Sat Apr 20, 2019 10:49 am The pine has vines around it......I would be worried about that one.
It's the small tree that has the vines around it.
by tony5412
Sat Apr 20, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

We have 21 acres of trees around our house so I drop at least a dozen per year. When I have some that scare me I have a tree service come in and drop them but I do the clean-up which saves a lot. I recently had 8 large trees dropped at a cost of $2000. These were somewhat difficult but not near any...
by tony5412
Sat Apr 20, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

If you leave it dead too long, then it will no longer be safely climbable. At that point, special equipment will be needed: A bucket truck if the tree is along a road or driveway. A crane if it isn't accessible by a bucket truck. TLDR: It will be a lot more expensive to get it taken down. So basica...
by tony5412
Sat Apr 20, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

The real labor and cost comes from bucking and clearing all of the small branches. If you're willing to do that part you'd likely save yourself a lot money. No harm having someone stop by for an estimate. Interesting. That was another thought I had, to have them cut the tree down and cut up into fi...
by tony5412
Sat Apr 20, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

It would be helpful if the OP told us the type of 25 foot tree he has on his property. I had two 25 feet purple leaf plum trees near my driveway. One became diseased and rotted -- don't know why it happened to one but I suspect it might have been damaged by the lawn mowing crew we use. It was dead ...
by tony5412
Fri Apr 19, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

I think I'll go ahead and hire someone. I had no intention on cutting the 50 footer but thought maybe I'd try to tackle the smaller one. When I have the bigger one cut, I might as well have them take care of the smaller one as it probably would not add too much to the total cost. Went out today and ...
by tony5412
Fri Apr 19, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

RickBoglehead wrote: Fri Apr 19, 2019 1:26 pm They won't cut it down. If there were dead branches at risk of bringing down the line, they'd cut off the dead branches (or live ones). But a tree, good luck with that, they won't.
I saw this suggestion thrown around while researchind, and figured that would be too good to be true.
by tony5412
Fri Apr 19, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

I would get bids and have them both done at the same time. If you want it cut up for firewood, they can do that too. Not sure why you would want pine for firewood, though. I hate to spend the money since there are other projects I need to spend on (including roof/gutts), but this is the first time ...
by tony5412
Fri Apr 19, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

Get an estimate. Depends upon where you live and how much trouble they have getting to it and taking it down. Cost around here would probably be $300 or less for both of those if easily accessible. LCOL area with lots of guys doing this kind of work though. If you aren't comfortable with it at all ...
by tony5412
Fri Apr 19, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

Spend $10-20 on a rope saw and you can safely cut down the dead branches yourself (have two people stand on opposite sides of branches). Something like this is what I used to take down some rather large limbs. https://www.ebay.com/itm/Professional-High-Cutting-Tree-Limb-Rope-Chain-Saw-2-Way-Action-...
by tony5412
Fri Apr 19, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

When I was a teenager I worked in a nursing home as a summer job. The residents were all elderly except for one buy that was in his 30's who was a quadraplegic. He had tried to save money by putting on his own roof but he had fallen off the roof and broke his back. When it come to work involving ri...
by tony5412
Fri Apr 19, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

1. Can I do it safely? You mentioned the small tree being near a road. Is there a lot of traffic on this road? Is it possible when you cut down these branches that it might hit a vehicle driving by or a vehicle might run over the fallen branch? If so, do you have warning triangles or something to a...
by tony5412
Fri Apr 19, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

How much would it cost to hire someone to chop those trees? I don't know if they are dangerous, unless they are near your house or structures that could be fallen on.. Not sure, haven't gotten any estimates. I'm guessing 400-500 for the smaller tree and have heard it can be quite expensive (1500+) ...
by tony5412
Fri Apr 19, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

If you're going to hire someone to do the 50 foot pine tree, the other tree will be relatively cheap. What's that cost? I have not gotten estimates yet. Debating whether to bother with the pine at this point or leave it for awhile longer. Years ago, a relative cut down a tree for a sibling. It hit ...
by tony5412
Fri Apr 19, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

Just let it stand as long as dead parts dropping out will not hit anything else. Very unlikely that would happen I would cut it myself unless it is leaning into a house or power line too much but I do regular chain saw work around the farm. FWIW, ladders and chain saws are a really dangerous combin...
by tony5412
Fri Apr 19, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

If the tree is more than two inches in diameter or so, always hire someone - who has all the insurance coverage (liability, workers comp, etc.) Two inches or twenty inches? I’ve cut down branches with diameters exceeding two inches with no issues other than it taking longer on account of using a ma...
by tony5412
Fri Apr 19, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

Have you operated a chainsaw before? Are you comfortable doing so? Do you have the necessary safety equipment? - gloves, eye goggles with face shield? Steel toed boots? If no to any of the above, consider what would happen to you if you run into problems. I don’t tackle things where the risk of los...
by tony5412
Fri Apr 19, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

Re: At what point would you hire someone vs. cut down a tree yourself?

How much would it cost to hire someone to chop those trees? I don't know if they are dangerous, unless they are near your house or structures that could be fallen on.. Not sure, haven't gotten any estimates. I'm guessing 400-500 for the smaller tree and have heard it can be quite expensive (1500+) ...
by tony5412
Fri Apr 19, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 101
Views: 6875

At what point would you hire someone vs. cut down a tree yourself?

I have a small tree (25 feet or so) that has been dead for a few years. It's near the road and split into three parts so I can probably get on a small ladder and cut down the two large branches. One branch has another large branch (already broken) that is sitting on top of it tho. Debating whether t...
by tony5412
Thu Nov 22, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 10722

Re: What financial information do you share with your family and relatives?

I share no info related to personal investments or compensation. If asked about investing advice, I simply refer them to Bogleheads.org. There are several in-laws in the family that can't have a conversation without asking "how much did that cost"? Another favorite question is "did y...
by tony5412
Thu Nov 22, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 10722

What financial information do you share with your family and relatives?

This is the holiday season and here are some questions I've heard asked at gatherings in the past. Some I have been asked myself. "How much was your house?" "How much was your car?" "What is your mortgage payment?" "What is your car payment?" "Is your car...
by tony5412
Mon Jul 16, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 109
Views: 6929

Re: Advice on IT Certification program

I would suggest that Kid run from IT but that's just me. There are some recent threads here that illustrate that IT is not the field it once was. Kid can be successful, however, if Kid is passionate about the subject. That will help Kid remain employed in the field over the long run. If Kid does go ...
by tony5412
Wed Jul 11, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 14368

Re: What time do you get up in the morning?

Where are all the retirees, shift workers, and unemployed folks that wake up at noon? :) I know people IRL who get up later but nobody is bragging about it in this thread lol.
by tony5412
Wed May 23, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2975

Re: Debating whether to rebuild tractor or buy a new zero turn

$3K for a 52" ZTR does not sound like a quality mower (no offense). If you want a good mower, you need to go with a commercial brand with a fabricated deck and a high quality engine like Kawasaki. Some brands to investigate: Bob-Cat Bad-Boy Scag Kubota Dixie Chopper Exmark Ferris Gravely Look ...
by tony5412
Wed May 23, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2975

Re: Debating whether to rebuild tractor or buy a new zero turn

I was told that the new motors require some custom work. I would hate to get caught in the middle of some miscommunication between the repair man and engine company especially considering that I am not an expert when it comes to engines. Have you talked to the engine company about this concern? May...