Search found 536 matches

by Blueskies123
Fri Jun 14, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2379

Re: Del webb in Florida

I saw this
https://www.nhc.noaa.gov/climo/images/1 ... storms.jpg
from one of the links in this thread. If you are buying a house make sure it is CBS construction with impact windows. A metal roof will hold up the best.
by Blueskies123
Tue Jun 11, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 25
Views: 1377

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

All flood insurance is the same however there is something called private flood insurance but I have never looked into it. Yes, you can request a higher flood insurance deductible. Orlando is fairly high up, are you near a creek or lake? Hurricanes are family common. If you were hit with one could y...
by Blueskies123
Tue Jun 11, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 2710

Re: Anyone buying Beyond Meat stock?

I had a chance to participate in the IPO but said no after tasting the meat. Had a metallic taste. Obviously, I did not anticipate the astronomical run-up. I have since thought about shorting it.
by Blueskies123
Sat Jun 08, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3032

Re: Refrigerator Advice

Buy what looks good and pray that it lasts. Nobody can tell you which brand is actually reliable, not even consumer reports. Most people say to avoid LG and Samsung because finding parts and people to work on them can be a nightmare. I didn't heed that advice and so far so good but its only been 10...
by Blueskies123
Sat Jun 01, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: are TIPS expensive? or are they cheap?
Replies: 82
Views: 6239

Re: are tips expensive? or are they cheap?

Larry Swedroe has written several similar articles. I am about 50% in TIPS and 50% in Treasuries and CD's with just a little in corporates.
by Blueskies123
Mon May 27, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3303

Re: tankless water heater?

If I recall you will need two 220v lines installed by an electrician if you go electric. At least that is what my relative had to do.
The thing broke right after the warranty period and was replaced with a tank heater. That is N=1.
by Blueskies123
Sun May 05, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 75
Views: 10525

Re: Rolex

I worked downtown Miami for many years and had some friends in the jewelry business. Picked up a brand new grey market Datejust about 20 years ago from the Seybold Arcade for lots off and a Presidential that looked brand new with the sticker still on it from my friend at less than half of retail. H...
by Blueskies123
Thu May 02, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 5071

Re: Short BYND? (beyond meat, IPO today)

FWIW, I love the Beyond Burger. I feel this with a surprising intensity and find myself recommending it to others often. It is crave-worthy delicious and the first meat substitute to truly cross the https://en.wikipedia.org/wiki/Uncanny_valley of feeling like a real burger. I don't know how to anal...
by Blueskies123
Thu May 02, 2019 11:10 am
Forum: Personal Investments
Topic: Bonds offered no protection
Replies: 38
Views: 3776

Re: Bonds offered no protection

I see you are fairly new to Bogleheads and have 14 posts. I lived during the 1987 crash, the 2000 .com crash., the 2008 crash and all the smaller ones in-between. The idea of bonds is to have something that does not go down, or at least not as much when the stock market is going down a 1000 points d...
by Blueskies123
Tue Apr 30, 2019 2:49 pm
Forum: Personal Investments
Topic: What happened to GE?
Replies: 24
Views: 2542

Re: What happened to GE?

Be careful. GE's unfunded pension liability is $30 billion. Either the pensioners are going to take a big hit or the company will have to put more money in the pension.
by Blueskies123
Sat Apr 27, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: Uber IPO
Replies: 28
Views: 1657

Re: Uber IPO

I will take the other side of most or all of these arguments. Uber is in 70 countries, not such a small feat. Yes, they have been losing money, like Netflix, because they are expanding rapidly. A lot of the money they have spent is on autonomous technology and once that rolls out they will not need ...
by Blueskies123
Sat Apr 20, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 4552

Re: Buying a house without a realtor

Unless you are an experienced real estate person, use a hard working experienced realtor to help you Hard working? My last two houses I found on my own by driving around in neighborhoods I liked. All they did was open the door and let me walk around. At closing, once I signed the contract and they ...
by Blueskies123
Sat Apr 20, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1715

Re: What's the lowdown on HVAC filters?

Dont use em. The tech isnt lying to you. Pressure drop across a dense filter causes motor to starve for air. This is correct. I have hayfever and use to buy expensive high Merv filters. About 4/5 years after purchasing a new air conditioning system the fan motor burned out. Cost me about $400 for a...
by Blueskies123
Mon Apr 15, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9647

Re: Luxury car recommendations?

Consider a Tesla Model 3, about $45,000 well equipped, or a used Model S, about the same. You will have to put a charger in your garage. I drove the Model 3 a few weeks ago. It has instant acceleration and very good steering. A little more road noise than I liked. Very comfortable, but no leather. ...
by Blueskies123
Fri Apr 12, 2019 11:53 am
Forum: Personal Investments
Topic: Fidelity Private Service?
Replies: 9
Views: 643

Re: Fidelity Private Service?

If you are knowledgeable on the Bogleheads investing process you do not need FPS.
by Blueskies123
Fri Apr 05, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Mobile phone security software
Replies: 8
Views: 648

Re: Mobile phone security software

I have an iPhone and I do not click suspicious links and do not go places I should not be going so I am not worried about my iPhone. iPhones are very secure.
by Blueskies123
Sat Mar 30, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Question for swimming pool owners
Replies: 14
Views: 1587

Re: Question for swimming pool owners

Yes, get them. Back before I got old I used to swim at night, especially after a job. Swimming with a light is so much more enjoyable.
by Blueskies123
Sat Mar 30, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 5062

Re: Keeping a stash of vacation days as unemployment "insurance"

I did this, being laid off at 52 after 30 years with MediumCorp and stellar reviews/experience made me realize how fragile the world is. I slowly accumulated an extra 4 weeks of vacation over the next 10 years. I FIREd at 62 and got a nice little retirement bonus.
by Blueskies123
Sat Mar 30, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used; does it matter with 10 years of ownership
Replies: 8
Views: 1027

Re: New car vs used; does it matter with 10 years of ownership

My philosophy is to buy new and drive forever. I don't think I'm spending any more money. Cars depreciate for a reason, markets are efficient. If you look for a used Honda or Toyota you are forced into this conclusion as a 3-year-old Toyota with say 35,000 miles on it is only a few thousand dollars...
by Blueskies123
Fri Mar 29, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13557

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

I recently bought the Eddie Bauer Men's Horizon Guide Chino Pants, slim fit. They're very light, wind proof, good in the rain, dry quickly, and don't wrinkle (much). I haven't found any "wrinkle free" pants that are truly wrinkle free. I actually find the slim fit not quite slim enough, but I gener...
by Blueskies123
Fri Mar 29, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Shut off water before a vacation
Replies: 78
Views: 5941

Re: Shut off water before a vacation

A cautionary tale. If and when you close your water main turn the handle slowly and back it off a few times as you close the valve. If you have not operated the valve in a few years corrosion and debris can build up in the mechanism and it might just break in the closed position. Also, try closing t...
by Blueskies123
Tue Mar 26, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming
Replies: 16
Views: 973

Re: Adventure Trip Ideas - Pacific NW vs Utah / Wyoming

Utah deserves its own dedicated 7-10 day trip. You do not have to get all this in on one vacation. Just decide to do one trip this year and one next year. I did the Mighty Five in about 10 days and it was great. If you like hiking you will love this area. https://www.visitutah.com/places-to-go/parks...
by Blueskies123
Sat Mar 23, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Waiting 1 month before buying anything about $25
Replies: 16
Views: 1961

Re: Waiting 1 month before buying anything about $25

Good suggestion. I always leave Amazon purchases in my cart for a few weeks and see how I feel about at that point. I try to never look something up on Amazon or Ebay and buy it immediately unless it is a part for an important repair.
by Blueskies123
Sat Mar 23, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?
Replies: 13
Views: 2750

Re: Why is Prime Money Market and Ultra Short Term Bond Fund behaving this way?

Your questions are a little hard to follow, I had to read it three times. It is only the middle of March and I would guess yields and NAV will change in a lumpy fashion as existing large positions roll off during the year.
by Blueskies123
Fri Mar 22, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 695

Re: Twitter

I do not believe I ever got a robocall sourced from Twitter. If you follow something you are interested in with Twitter it can be useful. I follow Philosophers, a few scientists, some astrophysics authors, economists, and financial people. Their followers generally do not engage in trolling and cess...
by Blueskies123
Thu Mar 21, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 6237

Re: A 23% increase from ATT Wireless

I also got a message today that they were changing my MSV plan from 15GB to 30 GB. WTF Is AT&T up to? I will tell you what they are up, they tried to rip me off. I had a 3GB plan. I noticed my bill went up $10 and ATT, without telling me, change my plan to 6GB. I call them and told them I only want...
by Blueskies123
Thu Mar 21, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Still Looking Cheap
Replies: 9
Views: 1225

Re: Larry Swedroe: TIPS Still Looking Cheap

Today (well yesterday, anyway) 6 month 5 year TIPS is down to 0.46% and 6 month treasuries are at 2.49%. That differential is 2.03% and, based on the Fed, short term rates should be pretty stable for a while. So it seems like that differential should also be considered. Even the 10 year is down to ...
by Blueskies123
Tue Mar 19, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee
Replies: 34
Views: 3405

Re: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee

When I was looking to buy a home in the UK, the local realtors charged 1.5%. Realtors are crying to be disrupted by technology, I cannot understand why someone has not dismantled this monopoly.
by Blueskies123
Mon Mar 18, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 3838

Re: Calling Volvo and Audi owners! Reliabilty questions

Volvo or Audi made 10 years ago are completely different vehicles compared to the ones today. I'd be concerned about new Volvo in particular, as the company has been extremely aggressive about redesigning their entire line up. They are offering equal or better features and more technology on paper ...
by Blueskies123
Wed Mar 06, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10739

Re: Best Car Values

squirm wrote:
Wed Mar 06, 2019 9:30 am
Two year old Honda or Toyota.
I have looked at these and unless they are off lease or have an accident on their records the price from a reputable used car dealer is too close to the price of a new car. The used car dealers make more money selling used cars than new cars.
by Blueskies123
Sun Mar 03, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 6332

Re: Best quality car - Lexus?

I could afford to buy a new luxury car every 3 years but I got here living a fairly frugal life which I cannot seem to shake off so I keep my cars for 10 years if they are reliable. While the BMW and Porshe look better than Lexus I would be upset for a long time if I had to keep paying outrageous ch...
by Blueskies123
Thu Feb 28, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Uncorrelated Asset Classes
Replies: 89
Views: 5536

Re: Uncorrelated Asset Classes

Here is a list of ETFs and their correlation. Cash, of course, has zero correlation.
https://www.etfscreen.com/corrsym.php?s=SPY
by Blueskies123
Thu Feb 28, 2019 1:17 pm
Forum: Personal Investments
Topic: What interest rate to demand on private loan
Replies: 17
Views: 915

Re: What interest rate to demand on private loan

Are these secured loans? Does all the ownership revert to the loan holders in the case of default? Are their other creditors?

Secured junk bonds are yielding 6-7 percent.

Something this risky needs lawyers and CPAs.
by Blueskies123
Thu Feb 28, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces
Replies: 91
Views: 7332

Re: The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement - Michael Kitces

Plan for worst and hope for the best. Yes, it would be nice for my portfolio to triple but I am not going to plan my spending around that forecast until it happens. I made sure I could cover all my fixed costs and have a little left by assuming social security was eliminated and the stock market too...
by Blueskies123
Wed Feb 27, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9587

Re: Naval on getting rich.

[/quote] Hi Victoria, I just read the transcript during my lunch break and enjoyed it very much. I am now fascinated by Farnam Street and all that it provides (currently looking at the Mental Model blog post now). My question to you: as a paid subscriber to FS, do you believe the content warrants th...
by Blueskies123
Tue Feb 26, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14835

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

When you live in a high cost of living area the fixed costs take 50% of your budget. Homeowners + Ppty tax 12,219 car insurance 1,847 Home repairs and Maint 14,758 medical Ins 19,000 Auto & Transport + repairs 3,000 Bills & Utilities 2,873 Electric Utilities 3,600 So this comes to $57K and I have no...
by Blueskies123
Tue Feb 26, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 14387

Re: Tired of gas grills rusting out...

We also have a Weber stainless steel natural gas BBQ that is always kept covered. It starting rusting the first year, and now after 5-years is a horrible, unsightly mess (although usable). We live in a California seaside town, so mild weather year-round, but salt air. we are a couple blocks from th...
by Blueskies123
Mon Feb 25, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 2911

Re: Would you fix cosmetic car damage?

You mentioned residuals. Is this a leased car? You have to fix a leased car otherwise the leasing company will charge you a fortune to fix the problems.

If this is not a leased car then why not fix it and keep the car a few more years. I keep my cars until they get close to 200,000 miles.
by Blueskies123
Sun Feb 24, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9587

Re: Naval on getting rich.

Victoria.. Did you really spend TWO hours listening to that Podcast? Way too long IMO. If there are that many good points to talk about why is the thing not broken into 3-6 parts, one for each point??? SO if this is how the guy communicates I already do not like him...... Good Luck. I have, I liste...
by Blueskies123
Sun Feb 24, 2019 1:46 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9587

Re: Naval on getting rich.

Naval is too smart for most mortals. I suspect he is a genius which you will see evidence of if you have the time to listen to the links below. He could never work at a job and save money, he would be fired in a few days. However, he does have some good insights. At first, I violently disagreed with...
by Blueskies123
Sun Feb 24, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Best Practices for Managing Credit Freezes
Replies: 15
Views: 1519

Re: Best Practices for Managing Credit Freezes

There are more than 3 credit reporting agencies. I froze my credit at all six, including these 3 lesser known agencies. https://www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/information/!ut/p/z1/ https://www.innovis.com/personal/securityFreeze https://www.nctue.com/Consumers
by Blueskies123
Fri Feb 22, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5093

Re: Do you tip the guys at Home Depot?

I tip anyone who helps me and does more than expected. If they toss something into my car then no. If they put something in my car carefully, with a smile, and tie things down carefully, then yes. We need to reward good behavior, not expect someone making a little more than minimum wage, to serve us...
by Blueskies123
Tue Feb 19, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 4273

Re: Best PAID music streaming service?

If you have really good stereo equipment I would not get rid of all those CDs. The music quality coming from most streaming service is a far cry from what you get out of a good CD player hooked up with an optical line to the stereo. If you average equipment then most streaming services are fine. Ano...
by Blueskies123
Mon Feb 18, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income
Replies: 115
Views: 8246

Re: Ruminations on Taleb's "Antifragile" and its Applications to Retirement Income

[/quote] The issue is not that people refuse to consider a possibility of the American government collapsing, but that if it were to collapse, most liquid assets would greatly diminish in value. The value of the Imperial Russian market after the 1917 revolution came down to $0. To prepare for a simi...
by Blueskies123
Sat Feb 16, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Today I learned the 4% rule has been around for hundreds of years.
Replies: 26
Views: 4320

Today I learned the 4% rule has been around for hundreds of years.

One of the things I wanted to do once I retired from working 12 hours a day was read some of the classics that I never did as a kid. So I was reading "The Count Of Monte Cristo" by Alexandre Dumas and wanted to share this quote with you. "Then, turning towards the paralytic, he said, "You possess, t...
by Blueskies123
Fri Feb 15, 2019 9:50 am
Forum: Personal Investments
Topic: Mega Backdoor Roth Questions
Replies: 65
Views: 3179

Re: CPA Says I Need Specialist - Does this sound right?

Retired CPA here. There are so many CPAs out there and they have varying degrees of specialization. Some specialize in retirement plans and tax law. Some have lawyers in their group. You will have to look around and make a few calls. Do you have any friends that use CPA firms? They might be able to ...
by Blueskies123
Tue Feb 12, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1099 form error
Replies: 3
Views: 501

Re: Ally Bank 1099 form error

I just entered the total of the 3 1099's it got.
by Blueskies123
Tue Feb 12, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: separate computers for specific purposes--how many and for what?
Replies: 35
Views: 2671

Re: separate computers for specific purposes--how many and for what?

I only have one computer but I only use Chrome for financial transactions and Firefox for everything else. Another advantage of two computers is you have a backup if one crashes. I use Malwarebytes in addition to Norton for security and back up everything once a month.