Search found 87 matches

by t3chiman
Sat Jan 20, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 113
Views: 22476

Re: Besides Bogleheads, What Are Your Favorite Forums?

investorvillage.com , message boards for EXEL and CALA . Experts sharing their collective professional wisdom regarding companies in the Immune Oncology space. Be aware that opinions expressed are, philosophically, diametrically opposed to Boglehead reasoning. patient.info , hip replacement section...
by t3chiman
Fri Jan 19, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 7306

Re: 4k UHD TVs worth it?

... frugal thing to do is to use my current TV for the rest of my life or until it breaks, but what fun would that be! ... :sharebeer No fun at all. I walked through Costco last week. They have you run a gauntlet of flat screens as you enter the store. I am not ordinarily a visual type. But the LG ...
by t3chiman
Fri Jan 12, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2948

Re: [Lightning rods for my house? Or too "old fashioned"?

..., lighting is absolutely unpredictable, and there's really nothing you can put in place that will be guaranteed to prevent damage. That being said, proper lightning guards and good solid grounding can go a certain way toward lessening the chances of damage.... For sure, lightning is dramatic. An...
by t3chiman
Fri Jan 12, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2948

Re: [Lightning rods for my house? Or too "old fashioned"?

"...Is this a job for an electrician or are there 'lighting" professionals?..."
Google shows these guys, who seem professional: Classic Lightning Protection.
Can't hurt to call them.
HTH
by t3chiman
Fri Jan 12, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2948

Re: [Lightning rods for my house? Or too "old fashioned"?

"...My home in Northern Arizona is 3 stories high, stucco, concrete, ceramic/cementuous heavy tile roof, in the "\middle of 50 acres of flat land...." Short answer: you are a target. Longer answer: Depending on your home's framing and external wiring, you may not need further lightni...
by t3chiman
Tue Jul 25, 2017 3:58 pm
Forum: Personal Investments
Topic: Investing Inheritance at age 24
Replies: 16
Views: 2271

Re: Investing Inheritance at age 24

t3chiman got lucky. Please don't assume that you will repeat his luck. Those particular funds have gone up a lot since he bought in. In other words, their prices are high. Don't buy high; you're likely to end up selling low... On the contrary, Luck had precious little to do with my decision-making....
by t3chiman
Tue Jul 25, 2017 7:27 am
Forum: Personal Investments
Topic: 4-6% a year
Replies: 28
Views: 6999

Re: 4-6% a year

... How did the vanguard health care fund do between 1/1/08-12/31/09 (again, using his dates, not mine)? Let's see (VHT for the uninitiated is the vanguard health care ETF). I chose to use the fund, admiral share class instead of the ETF to look at percentage/dollar growth/losses with dividends rei...
by t3chiman
Tue Jul 25, 2017 5:00 am
Forum: Personal Investments
Topic: Investing Inheritance at age 24
Replies: 16
Views: 2271

Re: Investing Inheritance at age 24

... I will receive a sum of $50k in the near future as a partial payment for my interest in an inheritance estate. ... If you were in my position, where would you put the money? . Hello- I have been in this situation (modest inheritance). I split it between " Vanguard Health Care Fund Investor...
by t3chiman
Tue Jul 25, 2017 4:47 am
Forum: Personal Investments
Topic: 4-6% a year
Replies: 28
Views: 6999

Re: 4-6% a year

fblade007 wrote:....Isn't there any REIT ETF or Bonds fund that can generate the same ROI but with less the headache, more liquidity than a brick house and monthly or more pay outs?...
VHT has averaged 9.8% annual return since 2004.
by t3chiman
Wed May 03, 2017 12:29 pm
Forum: Personal Investments
Topic: If you had 30,000 dollars to invest in your future, how would you do it?
Replies: 49
Views: 7732

Re: If you had 30,000 dollars to invest in your future, how would you do it?

... i am still stumped on what exactly i should do with the money.... I want to be able to live comfortable for the rest of my life,... I want to invest it in a way that i will be set for the near and distant future... ...If you had 30,000 dollars at 19 years old, what would you do with it?.. Hi Tr...
by t3chiman
Sat Mar 18, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Rhoad Scholar Travel Tours/Etc.
Replies: 11
Views: 1801

Re: Rhoad Scholar Travel Tours/Etc.

Have any of you undertaken one of these tours? do you recommend them?... demographics? (wondering about age range...) I recently returned from a Road Scholar trip through Chile and Argentina. There were 12 travelers, 50-80 yrs old, plus an overall guide, plus a local guide wherever we stopped. The ...
by t3chiman
Fri Mar 10, 2017 2:30 pm
Forum: Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 10102

Re: 28yo, New Millionaire, Advice on Wealth Management

... keeping all of it in a Vanguard Money Market account. Is this "safe" enough as a place to park my cash?.... First, let me offer my congratulations! Accomplishment of a lifetime; you should be proud. Sure, Vanguard MM is fine. Not much of a return, but safe enough. And for the moment, ...
by t3chiman
Fri Mar 03, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 29
Views: 5728

Re: Buying a Cooperative (co-op) unit - Questions to ask

... Thank you for your perspective. I am currently in the market to purchase a small coop in Manhattan and would like to pick your brain on a few points. 1) What's your view on self-managed buildings? There is an obvious advantage of a lower maintenance but is there any hidden potential cost? 2) Wh...
by t3chiman
Fri Mar 03, 2017 10:01 am
Forum: Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 5778

Re: Ever dip your feet into individual stocks?

...I have invested in micro/small-cap companies in a field related to my work because it is my belief (correctly or incorrectly) that my specialized knowledge coupled with the fact that these companies are too small to be heavily analyzed by investment firms, at least gives me as good a chance as a...
by t3chiman
Fri Mar 03, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 29
Views: 5728

Re: Buying a Cooperative (co-op) unit - Questions to ask

The thing that would concern me is what you said "but the coops for my city (unlike NYC) are rare". They are rare in my area also and the few I've taken clients to look at the clients ultimately felt that the whole process was to confusing and wouldn't pursue the purchase. The eventual re...
by t3chiman
Thu Mar 02, 2017 10:11 am
Forum: Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 1384

Re: Work injury and disability

.. How did you do that math? What growth rate are you assuming for VHDYX? I did a quick model, assuming 1% inflation, 2.85% yield on VHDYX, $2k/mo initial withdrawal adjusted up for inflation annually. The VHDYX plan, by my calcs, runs out of money in year 21. ... Vanguard performance chart shows V...
by t3chiman
Wed Mar 01, 2017 1:25 pm
Forum: Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 1384

Re: Work injury and disability

... An SPIA could bring you in an extra $1000+ a month for life. With $400k in your pocket, you could buy into VHDYX, take out $2k per month indefinitely, and still have enough to fund a nice vacation a couple of times a year. Speaking of vacations, I recommend Quebec City. Easy to get to, lots of ...
by t3chiman
Wed Mar 01, 2017 11:39 am
Forum: Personal Investments
Topic: Work injury and disability
Replies: 10
Views: 1384

Re: Work injury and disability

... like some sound advice on my best options to fund my retirement. I'm debt free and my funds are in a money market at around 0.12 percent. ... Glen- Wow. Years in Alaska! You followed your bliss and had the adventure of a lifetime. The stories you could tell... But now, you have a price to pay. ...
by t3chiman
Wed Mar 01, 2017 10:14 am
Forum: Personal Investments
Topic: What to do with extra cash?
Replies: 8
Views: 1447

Re: What to do with extra cash?

... advise what else I can do with extra cash?... Buenos Aires is nice this time of year. Rent an apartment for a month in an upscale neighborhood; drink fine wines; enjoy the culture; travel around: glaciers, waterfalls. Probably run you $20k for two. A lot of money, but an unforgettable experienc...
by t3chiman
Mon Oct 31, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Knee Replacement questions
Replies: 11
Views: 2151

Re: Knee Replacement questions

... help us make a good evaluation of where to go and what to prepare for. .... Problem is, it is very difficult for a patient, or prospective patient, to know what information is relevant, what questions to ask, or to evaluate the information and answers once gotten. Everybody in the profession, i...
by t3chiman
Wed Oct 26, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Juicer Recommendation?
Replies: 28
Views: 3283

Re: Juicer Recommendation?

We're looking to get a juicer and I was wondering if any folks had any suggestions. ... wheat grass occasionally and make baby food, and other than that, just your typical veggies and leafy greens for green juices and such..... Champion juicers : simple and robust mechanism, last forever, get every...
by t3chiman
Wed Oct 26, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 16
Views: 2785

Re: 75th anniversary of Pearl Harbor attack

....Can you recommend a single book that best describes the origins and arc of the Pacific theater? In the immediate aftermath of the Pearl Harbor attack, the Navy ramped up its intelligence operations re Japan, including Japanese language training. Classwork was relocated to Boulder, Colorado, fro...
by t3chiman
Tue Sep 06, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 12696

Re: Hearing aid 101

... These things are overwhelmingly made in China nowadays. If you are planning a trip to China anyway [Now is a good time; lots of great airfare bargains.], you can visit any of dozens of hearing aid shops in any of the big Chinese cities. ... yeah, but, what do you do for adjustments? Assuming yo...
by t3chiman
Mon Sep 05, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 12696

Re: Hearing aid 101

... units ranging in price for $4,000 to $7,000.... Any meta-advice on how to shop for a hearing aid? .... These things are overwhelmingly made in China nowadays. If you are planning a trip to China anyway [Now is a good time; lots of great airfare bargains.], you can visit any of dozens of hearing...
by t3chiman
Thu Aug 18, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 82
Views: 12846

Re: Request for recommendations: English Mystery TV series

...Waking the Dead with Trevor Eve is about cold case files. Very well done!... Agree that the series is well put together. But this is the darkest of the English copper shows. Corrupt officials; underage gay prostitution; IRA triple agents; blackmail,murder, torture; cynical coverups. All covered ...
by t3chiman
Thu Aug 11, 2016 1:12 pm
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1699

Re: Investing a rollover of a few hundred thousand

dbr wrote:...

Please don't say it was a typo.
Worse than a typo; it was a blunder. VQNPX/VGIAX are the correct fund symbols.

Apologies for any confusion.
by t3chiman
Tue Aug 09, 2016 1:34 pm
Forum: Personal Investments
Topic: Investing a rollover of a few hundred thousand
Replies: 14
Views: 1699

Re: Investing a rollover of a few hundred thousand

... do you have any ideas of what to do with it at our ages .... First, congratulations on making it into your golden years with money in the bank. And on having a truly first-world problem like what to do with a few hundred thousand USD. In your shoes, I would look carefully at Vanguard Growth and...
by t3chiman
Sat Jul 30, 2016 8:07 am
Forum: Non-US Investing
Topic: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)
Replies: 46
Views: 8988

Re: Finding a Vanguard fund to invest $40,000 for 30 years (401k account)

... Vanguard Health Care Fund Inv / VGHCX / 0.36% / 11.71% Consumer Staples ETF / VDC / 0.10% / 11.51% I’m looking for suggestions, which fund to invest in. I’m OK with high volatility, but the fund must be still around in 30 years (with a great return) so I’m not sure if investing in a sector fund...
by t3chiman
Tue Jul 19, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 5880

Re: Stinky Washing Machine

... Machine is still stinky. Disassembling the machine looks like a daunting task. The machine and matching dryer are 20+ years old... Nothing wrong with 1990's technology, motors and solenoid valves have not changed much. Difference is in the controller logic and display--if that's working fine, y...
by t3chiman
Sat Jul 16, 2016 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 4610

Re: Risky job opportunity, or Microsoft at its start?

... I'm torn as to whether I should continue down this path... Can't tell you how to live your life. But I would be reluctant to abandon a PhD effort in order to join a startup. PhD's represent an accomplishment that few achieve. And it's yours forever: "Nobody can take it away from you",...
by t3chiman
Sat Jul 16, 2016 4:49 am
Forum: Personal Consumer Issues
Topic: Lemhi Pass (Lewis & Clark trail)
Replies: 4
Views: 1082

Re: Lemhi Pass (Lewis & Clark trail)

Has anyone here ever driven across Lemhi Pass? Sure. I did it last November. I have a few comments. Do it in October. Seriously, it gets snowy up there. Having a 4WD vehicle makes for a far more pleasant experience. Get ahold of the proper detailed maps from USGS 7.5 minute quads. If you try to dri...
by t3chiman
Thu Jul 14, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 9195

Re: Power surge protector for tv, soundbar??

Is it necessary to use a power surge protector for the 'smart' tv and soundbar? Short answer: No. Longer answer: You really should have a systematic approach to managing the electromagnetic environment in which your home's electronic devices operate. I'm an electronics engineer and a licensed PE. I...
by t3chiman
Thu Jun 23, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 58
Views: 9636

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

... 1) Suck it up and stay, ... I was a techie (HW/SW engineer) for the longest time. Got a chance to be a "manager" in a startup, and, despite the discouraging odds, took the leap. Based on my experience, I say "stick it out". Reasoning: you are young yet, you have a lot to lea...
by t3chiman
Thu Jun 23, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: bicycle recommendations
Replies: 72
Views: 8619

Re: bicycle recommendations

I'd suggest trying a few 2 or 3 wheel recumbents. We like the three wheel stability factor. No shoulder, neck, butt, etc aches or pains. We ride ICE but there are many brands to look at. I recently picked up a used ICE Adventure HD. It is a jewel of precision and a joy to ride. I have some health i...
by t3chiman
Sat Jun 18, 2016 10:47 am
Forum: Personal Investments
Topic: Recently retired: Best strategy to fund expenses?
Replies: 5
Views: 1372

Re: Recently retired: Best strategy to fund expenses?

...it might be a good idea to place about $500 k of 401 k money in a 10 year fixed annuity and bridge the gap to 70 and social security. I asked my insurance carrier for a quote and the indicated annual interest rate was 0.89 % ...yikes! ... First, congrats. If you felt you were in a rat race prior...
by t3chiman
Sat Jun 18, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Reasonably Priced White & Rose Wines?
Replies: 14
Views: 2003

Re: Reasonably Priced White & Rose Wines?

Barefootgirl wrote:...I like my white and rose wines to be crisp and semi-dry
Can't beat Marcus James Australian Chardonnay. Nicely balanced, easy drinking. Find it for $3 a bottle at US liquor stores (Canadians pay a lot more).

Their malbec is quite drinkable, too.

HTH
by t3chiman
Wed Jun 01, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 17515

Re: Would you pay 6x face value to see Hamilton on Broadway?

mevans154 wrote:... would you pay 6x face value to see a three hour performance of the hottest show on Broadway?
My wife is friends with a relative of one of the cast members. She (the friend) has gotten free tickets 3 times.

Top that, bogleheads.
by t3chiman
Sun May 22, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 4573

Re: Flying airplanes -lessons

... its expensive, really EXPENSIVE. ... You can park a well-equipped 172 at your local airstrip for around $50k (Initial price plus upgrades to avionics, etc.). Then figure $10k per year to own the thing (tiedown, insurance, inspection ...), and another $7-8k per year to fly it (2 hours per week, ...
by t3chiman
Sun May 22, 2016 9:45 am
Forum: Personal Investments
Topic: Help understanding options
Replies: 4
Views: 895

Re: Help understanding options

...I am trying to understand options ... CBOE has gobs of information on options and option trading strategies. Generally speaking, options buying is considered very non-Bogleish, because some 90% of options issued expire worthless. The leverage they offer can be attractive, however. And hope sprin...
by t3chiman
Wed May 18, 2016 11:01 am
Forum: Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 5183

Re: My friend wants to invest money; please review my advice for her

My friend ... wants to invest for general savings. ...Anything big that I'm overlooking? 30 with $40k lying around? Time to have some fun, I'd say. A month in the South Island of New Zealand would be my prime recommendation. Probably swing it for $4k if she waited on cheap air fares. Memories for a...
by t3chiman
Wed May 04, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 19988

Re: Sci-Fi ... your favorite movies and episodes??

... The beginning scene is as good as any I have ever seen in an SF movie, still. All those flaming smokestacks, sirens, supposed to be so futuristic. Just seemed like a normal South Side Chicago eastern sky scene to me. 50's and 60's that is. All the mills were gone by the mid-70s. Flying cars? 70...
by t3chiman
Wed May 04, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 19988

Re: Sci-Fi ... your favorite movies and episodes??

... The beginning scene is as good as any I have ever seen in an SF movie, still. All those flaming smokestacks, sirens, supposed to be so futuristic. Just seemed like a normal South Side Chicago eastern sky scene to me. 50's and 60's that is. All the mills were gone by the mid-70s. But the rest of...
by t3chiman
Sat Apr 02, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 12267

Re: Five Best National Parks to Visit?

... I'm looking to start a tradition of visiting some of the beautiful national parks in the US/Canada out west. By coincidence, I have the exact plan. And in retirement, I not only have the time, but a nice cheap lifetime pass for all US National Parks. Pick one up if you can. As for recommendatio...
by t3chiman
Wed Mar 30, 2016 9:04 am
Forum: Personal Investments
Topic: Need Investing Help - $200k
Replies: 10
Views: 1965

Re: Need Investing Help - $200k

...Would rather pay a little to have an expert (human or robot) do this for me.... Well, this forum is great for free advice. Worth what you pay, etc.. But, first: a millionaire at 40! Congrats. Quite the accomplishment. You are ahead of 99% of people in the world. You are entitled to relish the as...
by t3chiman
Thu Mar 24, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Moving to Chicago - Where should I live? (2 options)
Replies: 36
Views: 4630

Re: Moving to Chicago - Where should I live? (2 options)

... looking for jobs IN the city, near the loop or north of there.... Option 1: Live near the job, probably sell the car. (Convenient) ... Option 1. No question. If you can at all swing Lincoln Park economically, it is a great urban location. If you are working near North Side, you can realisticall...
by t3chiman
Sun Mar 20, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 5940

Re: Dishwasher recommendation.

....I'd appreciate recommendations for some brands, and price ranges.We want something in a medium price range, preferably relatively quiet ..... I picked up a midrange Bosch a couple of years ago. Eerily quiet, and reliable. But it left glassware cloudy. Long story short, the culprit was the lates...
by t3chiman
Tue Mar 08, 2016 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Ever successfully appealed a property tax asssement?
Replies: 27
Views: 3684

Re: Ever successfully appealed a property tax asssement?

... anyone has ever filed a successful appeal on the assessor's assessment of home value? If so, what are your tricks and techniques? Cook County (Chicago area) has a Board of Review, that organizes and streamlines the assessment appeal process. It's pretty straightforward. You find local comparabl...
by t3chiman
Thu Feb 04, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 65
Views: 13349

Re: Recent Vanguard Trouble

.... overall system design is so problematic that rebuilding it from scratch is the best way to get a secure, reliable system, but that is the exception if the system was professionally engineered. This is at once a profound, and pain-inducing, statement. The poor engineering of the existing system...
by t3chiman
Wed Feb 03, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 7269

Re: Advice about a stop in Chicago

Whenever I'm in Chicago I make sure to get a pizza pot pie from Chicago Pizza and Oven Grinder Company. They are fantastic! Not too far from the zoo. I can second the POG rec. It's unique among pizza places. You have to love cheese. And it's cash only. A couple of blocks North of the zoo, but at th...
by t3chiman
Fri Jan 15, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 4961

Re: Films or TV with great period sets

What are some films/TV with great sets .... ... the visual setting actually transports you into a different world. Name of the Rose . 14th century Italy: architecture, interior lighting, technology, fabrics, haircuts (monastic), even politics. The supporting actors had their 20th century dental wor...