Search found 411 matches

by Blueskies123
Fri Sep 21, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Buying secondary market TIPS via Vanguard Brokerage
Replies: 7
Views: 424

Re: Buying secondary market TIPS via Vanguard Brokerage

I use Fidelity but this is exactly I did when I bought TIPS using Fidelity.
by Blueskies123
Tue Sep 18, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2033

Re: New SUV

I was in the leasing business. Leasing is for people where the cost of ownership is down the list of priorities. The leasing group is always the most profitable group of any company.
by Blueskies123
Wed Sep 12, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6469

Re: Hurricane Florence - survival guide

I guess we have set up our home and lives such that we don't need power to survive. I don't have to pay for a generator nor its gas nor its maintenance . I realize many people cannot do that, but it is something else to consider. You may not "need" power to simply "survive" in a tent outside you yo...
by Blueskies123
Wed Sep 12, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6469

Re: Hurricane Florence - survival guide

if you ever say "i THINK my car can drive through that much water", turn around and find another route. it isn't worth the risk. try to stay calm, and do stay safe. this too shall pass. I always wondered why this was and then I saw a clip somewhere that showed the air pressure in your tires actual ...
by Blueskies123
Mon Sep 10, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6469

Re: Hurricane Florence - survival guide

I have a very large garage with plenty of ventilation and no pilot lights so I feel OK about saving the jugs in the garage for a few days. Right after the storm, I put them outside until I use them in the generator or my car. My generator came with a very good multioutlet extension cord. I crack ope...
by Blueskies123
Mon Sep 10, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6469

Re: Hurricane Florence - survival guide

You need a generator that isn't so thirsty. I would add a quiet Honda or Yamaha to the mix, so you only have to start the hog to run the big stuff. My 2.4kW Yamaha can run two refrigerators, a chest freezer, my TV, computer and some lights. Agreed, when I bought it 10 years ago I should have studie...
by Blueskies123
Mon Sep 10, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6469

Hurricane Florence - survival guide

Lessons from living thru multiple disastrous hurricanes (I have posted this elsewhere too): 1) Two days out everything will be sold out. You should stock up and prepare 4-5 days before. 2) No electricity=no gasoline. My generator drinkes 5 gallons in about 7 hours. If you do not have electricity for...
by Blueskies123
Sat Sep 08, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2990

Re: Buying a new Toyota Camry. What extra options if any?

I didn't look at the options that are options and are not standard, but I will say that I drove a 2018 Camry rental car for over 400+ miles and it had the safety features such as adaptive cruise control, lane change alert/assist, parking assist beeps, backup camera, navigation, reverse automatic br...
by Blueskies123
Fri Sep 07, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 2888

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

Tens of thousands of the brightest students go to the most expensive schools every year to study how to manipulate you to buy stuff you do not need. Some of those kids make millions of dollars spending 100's of millions of dollars on advertising designed to trick you to buy junk you will be getting ...
by Blueskies123
Wed Sep 05, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Where's the Inflation Hedge for Short-Term TIPS?
Replies: 79
Views: 4518

Re: Where's the Inflation Hedge for Short-Term TIPS?

[/quote]Thanks hdas for posting the link to this pdf and for the quote in particular. The overall point, concluded in the last paragraph (my underlining), has been made in the forum before but it bears repeating, frequently. People casually talk about TIPS duration and nominals duration in the same ...
by Blueskies123
Tue Sep 04, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9456

Re: How to "waste" money on groceries?

Shopping at Publix instead of Walmart or Costco.
by Blueskies123
Mon Sep 03, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Hold cash in Treasury Bills or in Money Market Fund?
Replies: 36
Views: 4561

Re: Hold cash in Treasury Bills or in Money Market Fund?

Looking at what FNSXX invests in it has more than “ slightly “ more risk than treasuries.
by Blueskies123
Mon Sep 03, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1502

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Not sure how relevant this may be. I know a guy who had a persimmon tree in his front yard destroyed by a drunk driver. The homeowner's insurance refused to pay because the house was not damaged. He filed for loss of use, or diminished value, or something like that and got several hundred dollars. ...
by Blueskies123
Sat Sep 01, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in Uranium???
Replies: 48
Views: 3040

Re: Thoughts on investing in Uranium???

All of what you say makes sense in isolation. However, there is astronomical risk that you have not quantified. All you need is one bad accident anywhere in the world and it all unwinds. If you have an itch take 5% of the stock money you do not need and speculate. Keep a log for 20 years of how your...
by Blueskies123
Sat Sep 01, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6892

Re: Daily Driver (Car) Over 100K Miles?

Probably most of us that post on this board, until we retire and realize there is only so much time left. Before I retired I had 180,000 on my Accord. I am retired now with 120,000 on my Avalon and 40,000 on the wife's Acadia. We drive a lot less now so when we replace the Avalon we may not have car...
by Blueskies123
Fri Aug 31, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Another car (truck) buying question
Replies: 20
Views: 1224

Re: Another car (truck) buying question

I would check consumer reports for which one has a better quality history but buying used you will never know how the previous owner treated it so unless you can find the maintenance history of the Ford I might be tempted to go new with the Dodge.
by Blueskies123
Fri Aug 31, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4990

Re: Will I ever sell Ibonds from 2001 - 3% fixed

30 years thanks. I will enjoy the money when I am 77. Heck of a tax bill though. I own quite a few of the same ones - plan on holding to maturity, those were a gift and I’m glad I took Uncle Sam up on it. You will be retired by then, I will likely still be working. Ironic, bought them in a low tax ...
by Blueskies123
Thu Aug 30, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4990

Re: Will I ever sell Ibonds from 2001 - 3% fixed

30 years thanks. I will enjoy the money when I am 77. Heck of a tax bill though.
by Blueskies123
Thu Aug 30, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 4990

Will I ever sell Ibonds from 2001 - 3% fixed

I have some Ibonds I bought in 2001 with a fixed rate of 3% in the lock box. I assume they never mature and I will not pay taxes until I redeem them. I was thinking that these bonds might be the last thing I ever sell. More likely I will give them to the kids when I die but I do not know if I can pa...
by Blueskies123
Thu Aug 30, 2018 3:19 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 235
Views: 197400

Re: Please Try Out Test Posts Here

Thanks Cruncher: If I use imgur and use the "image link box" (see below for what I could copy and paste) and then use the "picture" icons above is get the following message: "It was not possible to determine the dimensions of the image. Please verify that the URL you entered is correct." Which of th...
by Blueskies123
Thu Aug 30, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 34
Views: 2444

Re: Bosch dishwasher odor

Consumer reports (I think) said scrape them clean, we are all wasting too much water raising. The wife gets angry at me if I do not rise them so I lightly rise them if I load the dishwasher. We have never had an order problem with our Bosh. Affresh makes a dishwasher product if you have checked the ...
by Blueskies123
Tue Aug 28, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 2935

Re: International investing and currency risk - why do it?

Assuming you are investing for the long run, 20-40 years what do you think will happen to the dollar over 30 years? You may want to diversify out of dollars, but who knows what will happen tomorrow or 20 years from now. I am 50% domestic stock and 50% intl stock on the stock side of the portfolio. I...
by Blueskies123
Mon Aug 27, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3497

Re: Best ultra thin pocket knife?

Victorinox Swiss Army Cadet Knife is my favorite. Like you already pointed out the steel is a little softer than more expensive knives but as you also pointed out it is easy to sharpen. One of my Spiderco knives has a chip although it stays sharp for so long. It bothers me to see that small chip. ht...
by Blueskies123
Sun Aug 26, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2752

Re: Umbrella insurance - again

Where you live, rural vs expensive big city, and teenage kids will affect the premium. If I recall state farm offers multiline discounts so if you have your house and car insurance with them you will get an additional discount.
by Blueskies123
Sat Aug 25, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Versus Nominal Bonds
Replies: 46
Views: 3991

Re: Larry Swedroe: TIPS Versus Nominal Bonds

You are correct that a single tip bond vs a single nominal bond with the exact same duration should behave the same with a 100 basis point rise in interest rates but for tip funds look at page 4 on this link if it shows on your screen like my screen: https://www.verusinvestments.com/documents/2014-0...
by Blueskies123
Sat Aug 25, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Investment Podcasts
Replies: 5
Views: 514

Re: Investment Podcasts

https://paulmerriman.com/podcasts/ - has some beginners information

Meb Faber is good for intermediate to advanced.
by Blueskies123
Sat Aug 25, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Versus Nominal Bonds
Replies: 46
Views: 3991

Re: Larry Swedroe: TIPS Versus Nominal Bonds

If interest rates continue up but inflation stays at 2% it would seem TIPS would lag. Please explain this comment. To clarify, the longer-dated TIPs do have duration risk. A 10-year Tip bond will decrease in value if the Fed raises rates, say, 100 basis points and assuming no underlying change in i...
by Blueskies123
Sat Aug 25, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: TIPS Versus Nominal Bonds
Replies: 46
Views: 3991

Re: Larry Swedroe: TIPS Versus Nominal Bonds

Over the last 18 years it does look like TIPs have done better than treasuries but if you look at problem years like 2007/2008/, 2013, and 2015 it seems treasuries do better during crises. If interest rates continue up but inflation stays at 2% it would seem TIPS would lag. Since almost everyone thi...
by Blueskies123
Sat Aug 25, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2059

Re: When do you replace a working desktop computer?

I find the hard drives last about 4 years or less in many cases. You already replaced one hard drive so you should be good for a while. I back my 4-year-old PC once a month and do a complete image once a quarter. If my PCs do not crash and burn, forcing a replacement, I only replace when them when t...
by Blueskies123
Fri Aug 24, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4760

Re: Is Treasury Direct worth the hassle?

Fidelity hit a home run with its bond/CD website. I have some Ibonds from 25 years ago in the safe deposit box and I sometimes think about opening a TDirect account and put the bonds online but I have to mail the originals into the treasury. It is just too much trouble. Having used the Fidelity bond...
by Blueskies123
Tue Aug 21, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund
Replies: 4
Views: 413

Re: US 10-year Treasury yield *tracks* the average of US Nominal GDP and the 10-year German Bund

There are dozens of these formulas, some of them may be accurate for short periods of time. https://snbchf.com/monetary-fiscal-policy/inflation-expectations-gdp-growth-bond-yield/ If I go back to my Econ course from 40 years ago the Prof said the 10-year rate should be inflation expectations plus re...
by Blueskies123
Thu Aug 16, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead Birthday Gift for 50th B Day - Fine Spirits
Replies: 29
Views: 2070

Re: Boglehead Birthday Gift for 50th B Day - Fine Spirits

How about something like whiskey stones, they don't dilute the drink. https://www.amazon.com/Exclusive-Whiskey-Stones-Gift-Set/dp/B0716JZ71Y/ref=sr_1_21?s=home-garden&ie=UTF8&qid=1534456775&sr=1-21&keywords=whiskey+ice+cubes Those are cool. I've never heard of them. :sharebeer I got some as a gift....
by Blueskies123
Wed Aug 15, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Why are 1yr Treauries paying more than 1yr brokered CDs?
Replies: 13
Views: 1294

Re: Why are 1yr Treauries paying more than 1yr brokered CDs?

And for something even more strange, 1-year treasuries yield slightly more than AAA corporates. Six and nine months show treasuries yielding a lot more.
by Blueskies123
Tue Aug 14, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3448

Re: Best consumer products - made in USA

North Carolina furniture
by Blueskies123
Tue Aug 14, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4315

Re: What is your favorite reasonably priced Rum?

wisevermilion wrote:
Sat Aug 11, 2018 3:47 pm
Kraken Black Spiced Rum is my favorite. Taste and price are both good.
+1, good with Coke or sipping. Probably too sweet for rum experts. When we have parties it seems to be the most popular.
by Blueskies123
Tue Aug 14, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5375

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

I also do not read fiction anymore with one exception - science fiction. So I will take you uncompleted fiction:

Top 3 in no order:
Dune
Jurassic Park
2001

Runner-up:
Forever War, One Second After
by Blueskies123
Mon Aug 13, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Key West Family Vacation - February
Replies: 25
Views: 1801

Re: Key West Family Vacation - February

Wow Swampy, if Key West scared you off then you better stay in Naples, Marco Island, or Fort Myers (also very nice places but oh so quiet). I have been to KW literally 20-30 times with my kids and I was never offended. There were some old timers down there that have too much to drink but they know t...
by Blueskies123
Mon Aug 13, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Where to stay in Key West?
Replies: 20
Views: 1227

Re: Where to stay in Key West?

The Southernmost if great but you will have to drive or take the little trolly to the other end of Duval if you are looking for entertainment. There are lots of little bed and breakfast on the other end of Duval. I had done both options, it depends if you are looking for a fun time or quiet time. Li...
by Blueskies123
Sun Aug 12, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1556

Re: Aqua Shoes for Beach

On the beach does sand get all up in the material and feet which acts like sandpaper? I wore a pair of the sandal type and had raw skin in a few minutes?
I would think the water shoes fill up with water and you just slosh around.
by Blueskies123
Fri Aug 10, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1633

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

4th and Inches wrote:
Thu Aug 09, 2018 2:18 pm
Is the Amazon Fire 8 a notable upgrade speed-wise compared to the iPad 2?
Of course not, it is only $50. I see people are expecting a $50 device to work as well as a $250-$500 Ipad. It does a great job with Kindle and acceptable with Youtube and surfing.
by Blueskies123
Thu Aug 09, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1633

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

I got one a few months ago for my grandchildren when they visit. They were fighting over my expensive Ipad. I think it is a great deal. I got a $10 case from Walmart.com that works great. The scrolling is not as good as the Ipad but it is acceptable. It runs on Android so not all apps will work on t...
by Blueskies123
Wed Aug 08, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Pension and Social Security,. Do I need Bonds?
Replies: 6
Views: 797

Re: Pension and Social Security,. Do I need Bonds?

If the market were to fall 50% and the TV was screaming about the apocalypse would you be tempted to sell your remaining stocks?
by Blueskies123
Wed Aug 08, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1829

Re: Whole house generator

You call the delivery company and they drive out with a big truck and fill it. Then comes the invoice. Of course, if you never or rarely fill it you will only have to buy gas once.
by Blueskies123
Tue Aug 07, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1829

Re: Whole house generator

Are you factoring in a propane gas tank and permitting? In many places, it has be buried a few hundred feet from the house. Also, you do realize you cannot run every light and appliance at the same time, right. You will burn the generator out.
by Blueskies123
Tue Aug 07, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: [Question] Does History at any point give an example of a complete market crash?
Replies: 8
Views: 875

Re: [Question] Does History at any point give an example of a complete market crash?

Losing wars and communism are the closest things to what you are looking for. Russia and all the Eastern European counties, Germany, China, Japan.
by Blueskies123
Tue Aug 07, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25080

Re: Invest in Tesla?

vitaflo wrote:
Tue Aug 07, 2018 1:21 pm
Curious who is going to be willing to throw $60 Billion+ at this to allow them to go private.
Middle East petrodollars looking for a home.
by Blueskies123
Tue Aug 07, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3131

Re: Relaxing - quieting the mind

Try the Headspace meditation app. But you have to commit to practicing every day. I find doing complex mathematics or physics in my head is effective.
by Blueskies123
Tue Aug 07, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2319

Re: Best Counter Depth Side by Side refrigerator

For me, reliability is the most important feature followed by usable space, then ice maker capacity, then followed by operating cost. Consumer reports is the best source for all this information.
by Blueskies123
Sat Aug 04, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 59
Views: 4290

Re: Decided on Chromebook, now need spec help

PC Magazine and PC World print reviews online time to time.