Search found 583 matches

by Blueskies123
Mon Nov 11, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1210

Re: Hi Def Audio listening

I think you implying you want to purchase a Marantz receiver. What do you have now? Nothing? What kind of speakers do you have? Speakers are the most important piece of the system (I know it might be a heretical statement). Do you want to fill a large room or a smaller room? I would not start off wi...
by Blueskies123
Wed Nov 06, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Modeling Bitcoin Value with Scarcity
Replies: 13
Views: 1062

Re: Modeling Bitcoin Value with Scarcity

They may not be that rare. Like the Hunt brothers with silver 30 or 40 years ago I suspect the shortage is being created:
https://www.bloomberg.com/news/articles ... the-market
by Blueskies123
Tue Nov 05, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 1903

Re: Electric shavers - foil vs rotary

IMO, if that is all you need an electric shaver for then pick the cheapest of the better electric shavers. I only have a foil shaver so I cannot compare the two.
by Blueskies123
Thu Oct 31, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1324

Re: APC power backup for extended outages

I don't understand people who live in an area with an unreliable grid and don't have a generator. Get a Honda 2kW inverter generator or a Harbor Freight knockoff, if money is an issue. Dumb question: is it advisable to run the Honda 2kW generator indoor? I truly mean no offense here and I am glad y...
by Blueskies123
Wed Oct 30, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10555

Re: Apple Pay. Does anyone use it?

I use Apple Pay for everything but don’t have an Apple credit card Please explain how that works if you don’t mind. Thanks Apple Pay is a contact less technology that allows you to make credit/debit card payments using your iPhone instead of getting your card out. You add your credit card info to t...
by Blueskies123
Tue Oct 29, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10555

Re: Apple Pay. Does anyone use it?

I use apple pay on my phone. I call up apple pay and hold it near the card reader. I found it really does not save that much time but I am told it is a more secure transaction, for example, card skimmers cannot read the information. I mostly have it in case the physical card cannot be read at the st...
by Blueskies123
Thu Oct 24, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Understanding Part D website info
Replies: 10
Views: 487

Re: Understanding Part D website info

I found Boomer Benefits to be very helpful. They have a website and some Youtube videos.
by Blueskies123
Sat Oct 19, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15168

Re: I bought a STOLEN vehicle!!!

Are you sure the car wasn't stolen from you??? That was my first thought, too. I am sorry for what you are going through, but why would you make a major purchase from a private seller in cash? Probably because, as a seller, I would never accept anything but cash. Too easy to fall victim to a fake c...
by Blueskies123
Sat Oct 12, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 42
Views: 2670

Re: Electric Car Charger - options/Amp settings?

Just a side bar for electric cars. People in California are having problems with their cars because the electricity had to be shut off because of the fires going on there. This is a problem that I didn't think of with them. This is a consideration for those who drive electric. birdy Quite funny whe...
by Blueskies123
Tue Oct 08, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7700

Re: Should I sell or keep my 5 year old depreciated Tesla

I also vote for keeping the Tesla. One point not mentioned is that once the full self-driving software comes out it will be like driving a new car.
by Blueskies123
Sun Sep 29, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Naive long term treasury question
Replies: 4
Views: 593

Re: Naive long term treasury question

Yes and Yes. As rates rise older treasuries roll off and new ones are bought in the fund at a higher interest rate. If rates rise dramatically when you retire then the fund will drop, maybe a lot. But remember you might be in retirement 20-30 years so again, the fund will recover. There are lots of ...
by Blueskies123
Fri Sep 27, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Wheel Alignment?
Replies: 18
Views: 1563

Re: Wheel Alignment?

pulling left or right may be one indicator but the best way to check is to look for uneven wear patterns, especially on the front tires.
by Blueskies123
Thu Sep 26, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: How do you maximize an IPO purchase?
Replies: 14
Views: 1212

Re: How do you maximize an IPO purchase?

I went thru this with one of my employers. At my employer one of the underwriters was appointed to sell stock to employees within certain ranges. I guess your employer decided against this approach. I think I filled out the paperwork for 500 shares. All was well for the first year and then there was...
by Blueskies123
Wed Sep 25, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Simple emergency prep tip(s)
Replies: 32
Views: 1914

Re: Simple emergency prep tip(s)

Credit card and frequent flyer numbers and codes can be stored in Apple Pay
by Blueskies123
Sat Sep 21, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX
Replies: 119
Views: 7839

Re: Swedroe Advocates: LENDX, SRRIX, AVRPX, QRPRX/QSPRX

I would say you are late to the game. Billions have gone into this area thanks to funds like Softbank, endowments, sovereign funds, pension funds, and Swedroe got in years ago at the very beginning. Methinks it is another bubble at this very late date. Look at Softbank and Weworks.
by Blueskies123
Sat Sep 21, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Need new Refrigerator
Replies: 19
Views: 1596

Re: Need new Refrigerator

A five-year-old refrigerator is still brand new. Why is it not worth repairing? By the way, when the freezer fan went out in my 10-year refrigerator I googled how to change it my self. $30 for the part and a half hours worth of work and it was fixed.
by Blueskies123
Wed Sep 11, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6416

Re: Did humanity ever make good Gas cans

dekecarver wrote:
Tue Sep 10, 2019 4:57 am
Yes, an empty re-purposed plastic one gallon milk jug.
Maybe you are kidding but this is such a bad idea if you are serious.
https://www.quora.com/Why-cant-you-put- ... n-milk-jug
by Blueskies123
Mon Sep 09, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3833

Re: Lending to friend to India

You do realize that what you are really doing is GIVING him the money, right!
by Blueskies123
Mon Sep 09, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6416

Re: Did humanity ever make good Gas cans

Actually, everything on Amazon is around $12 each. Do you have a link to the ones that are a few dollars?
by Blueskies123
Sun Sep 08, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Inflation likelihood and inflation protection
Replies: 29
Views: 2009

Re: Inflation likelihood and inflation protection

As others have said, TIPs are a way to help offset inflation although they are not perfect. I have half my bonds in TIPS so I have some protection for unexpected inflation. TIPs do not protect you against increasing real interest rates but at least they help a bit. I also have a fair amount in inter...
by Blueskies123
Sat Aug 24, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Blue Cross/Blue Shield Billing Errors in Our Favor?
Replies: 2
Views: 401

Re: Blue Cross/Blue Shield Billing Errors in Our Favor?

Yes, you might get a bill, even several years from now. Usually, these errors are caused by a systematic glitch in the computer code that sometimes has widespread effects. Eventually, it might be found and corrected. I would set aside some money for at least 2 years and maybe 3 or 4 if you stay with...
by Blueskies123
Fri Aug 23, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Title Insurance
Replies: 4
Views: 322

Re: Shopping for Title Insurance

Yeah, it is interesting there are only a few companies writing title insurance and they all charge about the same price. Sometimes the lawyer will share some of the (large) commission they get.
by Blueskies123
Fri Aug 23, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Want My Rental to be a Qualified Joint Venture?
Replies: 11
Views: 789

Re: Do I Want My Rental to be a Qualified Joint Venture?

My wife and I are about to put our first rental on the market. I know we have the option to put the property into an LLC. Still debating whether we really need one, but it seems cheap and doesn't appear to add much complication. I notice that we apparently also have the option of treating the LLC a...
by Blueskies123
Fri Aug 23, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Should I skip scheduled car maintenance?
Replies: 26
Views: 1944

Re: Should I skip scheduled car maintenance?

Before I retired I was driving 30,000 miles a year and 98% was on cruise control at about 65 miles an hour. This kind of driving put very little wear on the engine and oil. I used synthetic and changed the oil every 10,000 miles.
My Avalon has the exact same engine.
by Blueskies123
Thu Aug 22, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1065

Re: Used Kona Lanai bike for $200-$230

For riding around the neighborhood what is wrong with a $50, 10 speed that is 20 years old. My 40-year-old, rusty, Raleigh rides the neighborhood just fine.
by Blueskies123
Tue Aug 20, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Radio for seniors
Replies: 13
Views: 1072

Re: Radio for seniors

Someone this old is not going to listen to much on today's radio. My 92-year-old dad likes his internet radio because he can listen to big band music and classical stations.
by Blueskies123
Mon Aug 19, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Minimization of maximum regret: Supportive of balanced AAs for some long-term investors?
Replies: 129
Views: 7283

Re: Minimization of maximum regret: Supportive of balanced AAs for some long-term investors?

Would you mind elaborating on this? Sure, prior to listening to that podcast I was spending an inordinate amount of time plotting the efficient frontier of my portfolio and thinking if I should use tilts and different investment classes to optimize my portfolio's highest expected return for a define...
by Blueskies123
Sun Aug 18, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: Minimization of maximum regret: Supportive of balanced AAs for some long-term investors?
Replies: 129
Views: 7283

Re: Minimization of maximum regret: Supportive of balanced AAs for some long-term investors?

Money For the Rest of US has a good podcast (in my opinion) on this subject. It changed the way I think about constructing my portfolio. Link: https://moneyfortherestofus.com/229-stop-maximizing-investments-using-modern-portfolio-theory/ Small summary: The true goal of investing should be about “min...
by Blueskies123
Sun Aug 11, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 22405

Re: Negative Interest Rates in U.S.

I would move some or all of my treasuries to cash and corporate bonds.
by Blueskies123
Sun Aug 11, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Has anyone dealt with Anxiety at work?
Replies: 13
Views: 1379

Re: Has anyone dealt with Anxiety at work?

I worked for a company that operated 24/7 and I had 4 large departments reporting me all the while having to deal with layoffs, unions, acquisitions, and a lot of travel. As others have said vigorous exercise every day is number one. Cultivating friends and talking or communicating with them every d...
by Blueskies123
Thu Aug 08, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 290
Views: 19863

Re: First 20% of bonds in long-term Treasuries

I can only assume you were not an adult during the '70s and early 80's. I remember them well. Inflation-adjusted losses in long term bonds were around 70%. Harry Markowitz developed the Modern Portfolio Theory (MPT) in the 1950’s. Simply put his theory argues that portfolio risk can be reduced by ho...
by Blueskies123
Sat Aug 03, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3140

Re: How can I get a good room when I check into a hotel I booked online?

I have noticed this too and I have heard from people that work at hotels that the chains hate the on-line sites but have to use them so they give out the rooms by the elevator and ice machine to the on-line booking customers. The only way around this is like others have said, is to call the hotels d...
by Blueskies123
Sat Aug 03, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Meb Faber/Cambria/Trinity Funds
Replies: 68
Views: 12240

Re: Meb Faber/Cambria/Trinity Funds

Bratbill wrote:
Fri Aug 02, 2019 9:01 pm
Just noticed they opened a Cannabis ETF this Week!

Might be a way to get into that sector?
If you noticed the ticker symbol is TOKE and the fund fee is .42, so he has a sense of humor.
by Blueskies123
Wed Jul 31, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9232

Re: Beyond Meat Burger? Do you like?

I did not like them, to me they had a slight metallic after taste.
by Blueskies123
Wed Jul 24, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14080

Re: Is solar power for your home a worthwhile investment?

Like me I see you live in Florida. I talked a friend of mine out of solar because our electric rates, in South Florida, are so low compared to other states and you cannot sell excess electricity back to grid at full value. I also worry about hurricanes and obsolescence.
by Blueskies123
Tue Jul 23, 2019 5:12 pm
Forum: Personal Investments
Topic: Gold?
Replies: 137
Views: 8079

Re: Gold?

My expectation is that TIPS will act well during times of unexpected inflation, gold may not. TIPS should react positively to unexpected inflation rather quickly ??!! Expectation? Should?? TIPS are ABSOLUTELY guaranteed to cover ALL unexpected inflation. There simply isn't any question here. TIPS a...
by Blueskies123
Tue Jul 23, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4087

Re: What companies provide the best customer service

Someone said good customer service is random. I disagree. Some companies actually want to have the best customer service, I know, because I worked for one for 30 years. I personally saw Sr management allow our customer service to hire more people and pay them better than our competition and allow al...
by Blueskies123
Sun Jul 21, 2019 10:14 am
Forum: Non-US Investing
Topic: Non-US: Is this the best selection of bonds for your portfolio
Replies: 6
Views: 458

Re: Non-US: Is this the best selection of bonds for your portfolio

Your question is not totally clear to me but here are some thoughts:

I would expect this complicated strategy comes with high fees.
Perpetually hedging exchange rates is expensive in the long run.
Beware of survivorship bias. How would have such a strategy worked out before WWI or WWII?
by Blueskies123
Sat Jul 20, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Getting rid of tiny spiders in garage
Replies: 7
Views: 596

Re: Getting rid of tiny spiders in garage

vacuum cleaner, every few days for several weeks then once every one or two weeks.
by Blueskies123
Fri Jul 19, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: If you own a sportfishing boat...when did you pull the trigger?
Replies: 18
Views: 1810

Re: If you own a sportfishing boat...when did you pull the trigger?

Boat = Break out another thousand You realize you cannot fix anything on a million-dollar boat for a grand. To fill the gas tank is a thousand dollars. You need to budget 10% of the purchase price for maintenance such as insurance, doc fees, taxes, repairs etc... and a grand every time you fill it ...
by Blueskies123
Thu Jul 18, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Next "Bogleheads on Investing" podcast guest
Replies: 61
Views: 6979

Re: Larry Swedroe: Next "Bogleheads on Investing" podcast guest

What are his opinions on the federal deficit and if it matters anymore to interest rates and the dollar? What does he think of gold or other commodities?
by Blueskies123
Tue Jul 16, 2019 7:38 pm
Forum: Personal Investments
Topic: Bond choices, risk vs yield
Replies: 21
Views: 1957

Re: Bond choices, risk vs yield

I take risk with stocks so my bonds have as little risk as possible, for example, US treasuries.
by Blueskies123
Mon Jul 15, 2019 3:34 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 396
Views: 94343

Re: South Florida Local Chapter

I have been to 4 or 5 now and what I liked about this meeting is that more of the audience spoke up and told the group about some of their experiences.
by Blueskies123
Mon Jul 15, 2019 3:28 pm
Forum: Personal Investments
Topic: Interest Adjustment on my TIPs - What is this?
Replies: 3
Views: 447

Re: Interest Adjustment on my TIPs - What is this?

This 15 of July the following appeared in my Fidelity IRA account for all my individual TIPs (this is just an example on my 2026 TIP) FEE OR INTEREST ADJ UNITED STATES TREAS NTS 0.62500% 01/15/2026 TIPS -$150 Can someone help me understand this issue? The reason I am with Fidelity is their outstand...
by Blueskies123
Fri Jul 12, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3251

Re: Should I Buy a Motorcycle?

Everyone, literally everyone I know that has had a bike has had an accident. The least worse accident left the driver with road rash the worst accident left the guy with brain damage and his wife left him after a number of years. Do not get a motorcycle.
by Blueskies123
Fri Jun 21, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 6525

Re: The problem in retirement we rarely discuss [what to do with stock funds]

I have had Fido Contrafund for 30 years in my taxable account. I will slowly sell it once I start needing the money to try and minimize the taxes. I just consider it part of my large growth portfolio.
by Blueskies123
Fri Jun 14, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2711

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: 27
Views: 2058

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: 3154

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.