Search found 351 matches

by marcwd
Wed Oct 07, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra Short vs Short-Term Bond Index
Replies: 56
Views: 6120

Re: Vanguard Ultra Short vs Short-Term Bond Index

VUBRX SEC yield is pitiful given its short, but non-zero term risk.
by marcwd
Fri Oct 02, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 127
Views: 13828

Re: Oil change disaster

Trader Joe wrote: Sat Sep 26, 2020 3:25 pm Did you take it to the dealership for service?

I always do and I have never encounter the problems you have experienced.
Good for you. I’ve had the experience of a dealership addIng 5 quarts of oil to a Honda Civic having an oil capacity of 3.5 quarts.
by marcwd
Thu Oct 01, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 3957

Re: Replacement for a good pocket point-and-shoot camera?

crystalbank wrote: Thu Oct 01, 2020 1:08 pm Not sure what your budget is, but a Fuji x100v seems to fit the bill perfectly. Phone cameras are great, but any decent point and shoot beats the phone camera by a wide margin.
In what way does a $1,400, single focal length camera fit the OP’s bill perfectly?
by marcwd
Thu Oct 01, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 3957

Re: Replacement for a good pocket point-and-shoot camera?

So at the moment I'm seeing the situation as being this. Dedicated point-and-shoot cameras with 1/2.3" sensors still exist, and the reason for their existence is optical zoom, so if they have a collapsible lens they are more or less cigarette-pack sized. And they would probably be about as good as ...
by marcwd
Thu Oct 01, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Help with replacing water heater
Replies: 49
Views: 3052

Re: Help with replacing water heater

Family of 5 screams "quick recovery time" - I'd suspect a gas tanked water heater is the best fit. Specifically look at "high recovery" models which may not be the default stock / default plumber selection. If you're in California, I suspect you already have low flow shower heads, but if not, chang...
by marcwd
Wed Sep 30, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

I don’t want a TV package at all. I want to be able to stream movies on demand, preferably in HD, and also be able to browse YouTube content. I assume that all I will need is sufficient internet bandwidth and some sort of streaming box like Roku or Apple TV. Is this correct? A Roku, NVIDIA Shield o...
by marcwd
Wed Sep 30, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

I don’t want a TV package at all. I want to be able to stream movies on demand, preferably in HD, and also be able to browse YouTube content. I assume that all I will need is sufficient internet bandwidth and some sort of streaming box like Roku or Apple TV. Is this correct? A Roku, NVIDIA Shield o...
by marcwd
Thu Sep 24, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 81
Views: 5548

Re: Should I go for online Will making software?

The only wrinkle I have is old trust/will from another state from 10 years back. Can the online software take care of Reinstation? I'm not a lawyer but I'd never heard that word. My understanding was that a more recent will replaces an older one. I've seen "restatement" used in a legal context with...
by marcwd
Tue Sep 22, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5824

Re: Tesla battery day.

He's a fraud, but it is nice to have disruptive technology. A fraud? Tell us more. Spend more time on Twitter. He’s made numerous claims that are outright lies about capability, timelines, progress, etc. He’s lied about scrap quantities. He’s also implicated in a large scale drug trade using the gi...
by marcwd
Tue Sep 22, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5824

Re: Tesla battery day.

He's a fraud, but it is nice to have disruptive technology. A fraud? Tell us more. Spend more time on Twitter. He’s made numerous claims that are outright lies about capability, timelines, progress, etc. He’s lied about scrap quantities. He’s also implicated in a large scale drug trade using the gi...
by marcwd
Tue Sep 22, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5824

Re: Tesla battery day.

Bogle7 wrote: Tue Sep 22, 2020 8:56 pm I got a charge out of the presentation.
:oops:
by marcwd
Tue Sep 22, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5824

Re: Tesla battery day.

sambb wrote: Tue Sep 22, 2020 7:46 pm He's a fraud, but it is nice to have disruptive technology.
A fraud? Tell us more.
by marcwd
Tue Sep 22, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4318

Re: Your recent experience of visiting a dentist

My quarterly periodontal cleanings since the office reopened have omitted the usual ultrasonic (Cavitron) and teeth polishing components. Mechanical scraping only. COVID precautions were first-rate.
by marcwd
Sat Sep 19, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Which snow tires for serious snow commuting?
Replies: 29
Views: 1529

Re: Which snow tires for serious snow commuting?

onourway wrote: Sat Sep 19, 2020 8:16 pm Nokians and don’t even think about anything else. Blizzak’s and X-ice’s are not even in the same category. And that’s when they’re brand new. The Nokians will probably last twice as long, and keep their unbelievable traction even as they wear.
Which Nokian’s- “All Weather” or winter?
by marcwd
Thu Sep 17, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13212

Re: Grocery store didn't tell me Shingrix was $160

Its not a procedure. You can 100% call and ask your insurance if a vaccine is covered at a pharmacy. Its billed the same as any prescription. There is no diagnosis code. You bill for the drug. Prescriptions are billed in real time . A price is determined before the service. Its not like going to th...
by marcwd
Wed Sep 16, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13212

Re: Grocery store didn't tell me Shingrix was $160

Don't most healthcare benefits that the VA provides to veterans have a nonzero cost if the veteran chooses to get the care elsewhere? Why should it be free at a grocery store? VA healthcare has been backlogged and there are expanded options. Don't know why a grocery store per say would be included ...
by marcwd
Wed Sep 16, 2020 6:33 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8010

Re: Throwing In The Towel on Portfolio Management

We own a Fidelity Freedom Index fund and a Vanguard LifeStrategy Moderate Growth fund, so your plan sounds great to me. The main issue is taxes. You may wish to simply stop managing your taxable account and let it carry on as if you were dead. Speaking of taxes, how do those two fund-of-funds fit i...
by marcwd
Tue Sep 15, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 191
Views: 10964

Re: Reasons to invest internationally, or not.

All of these observations are improperly cast as conditionals. In reality, you're just describing what has happened in the very recent past. If ex-US had recently outperformed US with a .8 correlation, no one would be arguing that the correlation is evidence that one does not need US stocks. As alw...
by marcwd
Tue Sep 08, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

What about rear panel connections? I’ll definitely want an HDMI-ARC port, for instance. Are these common on the cheaper models? HDMI-ARC was on one of, but not all, HDMI ports of the flagship Samsung TV I bought in late 2018. Its decently common now, but you will likely want to download the manual ...
by marcwd
Mon Sep 07, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

You may wish to go to your public library and read the most recent Consumer Reports on this topic. Verizon FIOS sends 1080, no matter which TV package you have. However, some people may have a Standard Definition set-top box in one of their home locations because it may be without the monthly charg...
by marcwd
Mon Sep 07, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

You may wish to go to your public library and read the most recent Consumer Reports on this topic. Verizon FIOS sends 1080, no matter which TV package you have. However, some people may have a Standard Definition set-top box in one of their home locations because it may be without the monthly charg...
by marcwd
Mon Sep 07, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

The difference in cost is largely to be able to change more settings? No appreciable differences between, say, a $1,000 Sony and a lesser brand at a third the price? No, technological differences relating to picture quality are a large driver of cost differences, although not consistently. Certainl...
by marcwd
Mon Sep 07, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4586

Re: Need some advice for buying my first flat screen TV.

All tv's in a showroom (doesn't matter the store) are set to look good in a bright setting as default from the factory. The difference between a $500 vs $1000 tv is how many settings you can change, usually the panel is the same between price points. No modern tv's are not tube units, grainy isn't ...
by marcwd
Mon Aug 31, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4515

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot le...
by marcwd
Mon Aug 31, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15321

Re: charging an EV

Any of you have realistic mileage range you get in a climate that requires air conditioning for most of the year (like Arizona for example) How much is the range reduced when using the A/C? Ignore the "range" estimate because it assumes drainage of battery from 100-0%, and EPA-based consumption, bo...
by marcwd
Mon Aug 31, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15321

Re: charging an EV

Any of you have realistic mileage range you get in a climate that requires air conditioning for most of the year (like Arizona for example) How much is the range reduced when using the A/C? Ignore the "range" estimate because it assumes drainage of battery from 100-0%, and EPA-based consumption, bo...
by marcwd
Sun Aug 30, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4515

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot le...
by marcwd
Sun Aug 30, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4515

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot le...
by marcwd
Wed Aug 26, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3794

Re: Wifi speaker for streaming music.

I'm always suprised by the love for Sonos. For the same price, you can get higher end speakers and just connect a cheap Google Chromecast to it to setup wireless speaker groups. I'd recommend a Google smart speaker; like the old ones that are on sale. Or the Max if you want. The thing with Google s...
by marcwd
Tue Aug 25, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3794

Re: Wifi speaker for streaming music.

I'm shocked to see Sonos recommended so frequently. They're expensive, highly proprietary, and will end of life their product. https://www.cnn.com/2020/01/24/cnn-underscored/sonos-legacy-speakers-guide/index.html I'm not sure what audio quality you require, but the Anker Sound Core had been my favo...
by marcwd
Tue Aug 25, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3794

Re: Wifi speaker for streaming music.

Right now I would like to have a wifi speaker to stream music from a service. It needs to be simple and easy to setup. I am unsure how these things actually work. Do you need to have a device ( phone, tablet, computer etc) that receives the music files and sends to the speaker or does music data go...
by marcwd
Tue Aug 25, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3794

Re: Wifi speaker for streaming music.

I had a Sonos system and returned it. Not long after I got it Sonos announced that some of their earlier systems would not longer work with newer models, I decided that there was too much risk of obsolescence with their proprietary system. Depending on what you listen to Amazon Echo can be inexpens...
by marcwd
Tue Aug 25, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3794

Re: Wifi speaker for streaming music.

Right now I would like to have a wifi speaker to stream music from a service. It needs to be simple and easy to setup. I am unsure how these things actually work. Do you need to have a device ( phone, tablet, computer etc) that receives the music files and sends to the speaker or does music data go...
by marcwd
Mon Aug 24, 2020 10:42 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10117

Re: A Plea for Ordinary English

Did it do any harm to look up the terms? That’s a way to learn something new, isn’t it? Like sscritic always said (and livesoft re-says) - "learn to fish". Maybe the wiki link could be stickied to direct people towards it. I've learned a lot from the wiki here. +1. OK, for a concept like "Poisson d...
by marcwd
Mon Aug 24, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10117

Re: A Plea for Ordinary English

I agree. Over the years, I've had to "Google" several terms from this site, including: Fat tails Trying to catch a falling knife Dead cat bounce Arbitrage Smart beta Trinity study Efficient Market Hypothesis Customers' yachts And don't get me started on the abbreviations! :oops: Did it do any harm ...
by marcwd
Mon Aug 24, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 10117

Re: A Plea for Ordinary English

GoldenFinch wrote: Mon Aug 24, 2020 1:44 pm If everyone could just use “advice” and “advise” correctly and maybe “lose” and “loose,” I won’t complain.

(I’m not complaining now, either. Just a suggestion.) :happy
Yes, and how about “it’s” and “its”? And I am complaining.
by marcwd
Sun Aug 23, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11825

Re: PSA: switch to LED light bulbs and save hundreds per year

RCL wrote: Sun Aug 23, 2020 2:53 pm
Nicolas wrote: Sat Aug 22, 2020 10:39 pm I call that a bargain, the best I ever had.
I don't think many got the reference :shock:
I certainly did.
by marcwd
Sat Aug 22, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11825

Re: PSA: switch to LED light bulbs and save hundreds per year

If they’re bedside lamps with a standard base, a specialty bulb might work. Did you hunt around at Home Depot? Or use a darker lamp shade. Or an in-line dimmer. I use one with some table lamps in the living room. Works well. Lights for ceiling fixtures, which I only use at night and want the lowest...
by marcwd
Sat Aug 22, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11825

Re: PSA: switch to LED light bulbs and save hundreds per year

Have never found a replacement for incandescents that is as soft and gentle. Do a little bit of shopping among LED bulbs. Some of them how have very good color rendering indexes. Much, much better than compact fluorescents. You can start simply by checking the color temperature. The cooler ones hav...
by marcwd
Sat Aug 22, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11825

Re: PSA: switch to LED light bulbs and save hundreds per year

Have never found a replacement for incandescents that is as soft and gentle. Do a little bit of shopping among LED bulbs. Some of them how have very good color rendering indexes. Much, much better than compact fluorescents. You can start simply by checking the color temperature. The cooler ones hav...
by marcwd
Fri Aug 14, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 114
Views: 8385

Re: Car shopping PHEV / ICE / or all electric?

The Nissan Leaf Plus is the sleeper EV hit. Same car as the base model Model 3 at 2/3 the cost. Interesting. From Motor Trend: Let's get an uncomfortable fact out of the way: For $1,245 more than the price of an entry-level standard-range (220 miles) Tesla Model 3, the base 2019 Nissan Leaf S Plus ...
by marcwd
Fri Aug 14, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 114
Views: 8385

Re: Car shopping PHEV / ICE / or all electric?

The Nissan Leaf Plus is the sleeper EV hit. Same car as the base model Model 3 at 2/3 the cost. Interesting. From Motor Trend: Let's get an uncomfortable fact out of the way: For $1,245 more than the price of an entry-level standard-range (220 miles) Tesla Model 3, the base 2019 Nissan Leaf S Plus ...
by marcwd
Thu Aug 13, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7377

Re: My kid scratched my neighbor's new car

If it was me with a brand new car and I had any kind of decent relationship with the kid's family I'd be too embarassed to hand over that estimate. No way I'd stick a friendly neighbor with that kind of bill. Cars get scratched. It's life. Oh well. Gotta pay if that's what he wants, but I'd be livi...
by marcwd
Thu Aug 13, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5925

Re: Tree section fell on my neighbor's property...who is liable

Do not remove the tree yourself. The property management company is testing your ignorance of the matter or is ignorant himself. As the tree was healthy, the fallen tree is considered an act of nature and your neighbor is responsible for its removal from his property. He can submit a claim against ...
by marcwd
Wed Aug 12, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5925

Re: Tree section fell on my neighbor's property...who is liable

My rule: if anything from my property ends up on someone else's property, I clean. That's a good rule. I would not be a very happy neighbor if I had to go out of pocket to clean up a mess from their tree. You might not be happy, but that’s what your homeowner’s insurance is for. If it was a healthy...
by marcwd
Wed Aug 12, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5925

Re: Tree section fell on my neighbor's property...who is liable

My rule: if anything from my property ends up on someone else's property, I clean. That's a good rule. I would not be a very happy neighbor if I had to go out of pocket to clean up a mess from their tree. You might not be happy, but that’s what your homeowner’s insurance is for. If it was a healthy...
by marcwd
Wed Aug 12, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5925

Re: Tree section fell on my neighbor's property...who is liable

A large section of a tree (healthy, not decayed) that is on my property fell on the neighbor's property (they are a condominium) during a recent storm. However, no damage was done to either property, and it is not in anybody's way, (although it should be removed) The caretaker of the property told ...
by marcwd
Sun Aug 02, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: Any advice on new French doors?
Replies: 18
Views: 1203

Re: Any advice on new French doors?

French doors typically open to the inside up north where there can be snow. In warm climates, they can open inside or outside. We like to have screens on the outside, and my better half and I are currently trying to decide whether we should have screens that open out, or sliding screens, or disappe...
by marcwd
Sun Aug 02, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Any advice on new French doors?
Replies: 18
Views: 1203

Re: Any advice on new French doors?

Interesting that some people prefer french doors vs. sliders. My house had french doors between the living room and porch and replacing with a slider has been so much better in term of not interfering with furniture. Also my french doors were a non-standard size, so I paid the installers extra to m...