Search found 282 matches

by DocHolliday
Wed Feb 12, 2014 2:56 pm
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 9807

Re: I'm feeling old today

I am 45 years old. That seems old to me. After reading this thread, I do not feel as old.

Folks in their 60s to 80s now seem to have grown up in a fantastic time period.
by DocHolliday
Fri Feb 22, 2013 3:03 pm
Forum: Personal Consumer Issues
Topic: wallpaper removal - diy or pay someone?
Replies: 34
Views: 3666

Re: wallpaper removal - diy or pay someone?

Rent a steamer. It will make the job easy. It makes a mess but messes can be cleaned up.
by DocHolliday
Tue Nov 06, 2012 1:10 pm
Forum: Personal Consumer Issues
Topic: do you use your work cell phone for personal use?
Replies: 39
Views: 6658

Re: do you use your work cell phone for personal use?

I have been using the work BB as my personal cell phone for about 3 years. I work for a large company that does not have a policy against using their phone for personal use. As another poster pointed out, you should review your company's cell phone policy to determine if you can use the work phone f...
by DocHolliday
Fri Sep 28, 2012 11:22 am
Forum: Personal Consumer Issues
Topic: How Important is Car Waxing?
Replies: 32
Views: 6409

Re: How Important is Car Waxing?

Thanks everyone. I guess I will not wax my silver car then. I wax my car ---- usually twice a year (spring and fall). If I notice the water doesn't bead up when I wash it I know it's time to wax. I use Meguire's combo wax/cleaner http://www.meguiars.com/en/automotive/products/a1216-cleaner-wax-liqu...
by DocHolliday
Thu Sep 13, 2012 4:08 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21879

Re: Most underrated band of all time [that you listen to]?

In approximate order by age: Rush - The Rock and Roll Hall of Fame should be embarrassed they haven't been inducted yet. Sparks Cheap Trick Los Lobos - Yeah, they are well-known, but still underrated The Call The Smithereens BR549 The Clarks The Mavericks The Derailers Carter Brothers The Decemberi...
by DocHolliday
Wed Sep 05, 2012 2:06 pm
Forum: Personal Consumer Issues
Topic: Need new dehumidifier for cellar
Replies: 13
Views: 3340

Re: Need new dehumidifier for cellar

If you have the money, I like the idea of going with Sante Fe, since the poster pointed out that it is made in the USA. If you are not willing to part with that kind of money for a dehumdifier, I would go with a unit made by Kenmore or Danby. I recommend Kenmore and Danby for 2 different reasons. I ...
by DocHolliday
Sat Jun 23, 2012 1:10 pm
Forum: Personal Consumer Issues
Topic: [Music Recommendations]
Replies: 103
Views: 8836

Re: [Music Recommendations]

I have not heard much new modern rock that is worth discussing. Volbeat is one modern rock band that I continue to enjoy. Guitar Gangsters is a good album. The newest album is ok as well.
by DocHolliday
Wed Dec 14, 2011 8:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 383202

Re: What Book Are YOU Currently Reading? Part IV. (07/04/201

I just finished Pillars of the Earth by Ken Follett. Not sure if I spelled the author's name right. The book is about 20 years old and is one of the best books I have read in many years.
by DocHolliday
Fri Nov 11, 2011 12:42 pm
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 4921

Re: Beatles or Rolling Stones

I am not quite old enough to vote at 43 but I will throw my 2 cents in anyway. Beatles are much better than the Stones in my book. That is saying something because the Stones are great. Since Zep keeps coming up in posts, I too will say that they are easily my favorite out of those 3. Page's guitar ...
by DocHolliday
Fri Aug 19, 2011 2:52 pm
Forum: Personal Consumer Issues
Topic: Anyone else not enjoy going out?
Replies: 68
Views: 12612

This is a very interesting thread. Everyone is different. If you do not like to go out to loud/crowded places, then do not do it. Do whatever makes you happy. Staying at home will make meeting a partner tough but you can meet people at church, through friends, or at the grocery store. I am 43 and ma...
by DocHolliday
Thu Jul 21, 2011 11:40 am
Forum: Personal Consumer Issues
Topic: How many of you ride motorcycles
Replies: 47
Views: 4286

I rode when I was young. I had 3 bikes from the time I was 22 until I was 27. My last bike, and favorite, was a '92 Ninja 750. Bikes are a blast and a great way to meet women. Most of my friends that rode were involved in accidents on bikes. One hit the side of a car when it pulled out in front of h...
by DocHolliday
Tue Jul 19, 2011 3:10 pm
Forum: Personal Consumer Issues
Topic: Better Abs
Replies: 51
Views: 5358

To have abs, you must reduce your body fat. That is done by a combination of taking in less calories and burning off more calories. Some folks like to do more cardio so they can eat. Other folks find it is easier to eat less so that they do not have to do as much cardio.
by DocHolliday
Fri Jul 15, 2011 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Giving money at a wedding: how much?
Replies: 56
Views: 5384

You are giving a wedding GIFT to family. It should be $150 to $200 in my book. There are lots of variables in play when we decide on how much to give a bride and groom. Are they just starting out? Is this the first marriage for either of them?
by DocHolliday
Thu Jul 14, 2011 9:15 am
Forum: Personal Consumer Issues
Topic: Finger Lakes, NY - Things to see and do - Recommendations
Replies: 22
Views: 2796

I lived south of the Finger Lakes for about 6 months. We used to ride the motorcycle up to the Finger Lakes area every weekend the weather permitted. It has been too many years since I was there so I do not remember any particulars. What I do remember is that it is a very beautiful part of the count...
by DocHolliday
Tue Jul 12, 2011 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need some advice .... investing vs family
Replies: 40
Views: 4711

I had my first child at 41 and wish I started a family sooner. If you want a kid, do it. You will not love anything more.

My wife and I both work full time but we make child care work. That child resets your priorities. You sacrifice your time and money for that child so that things work out.
by DocHolliday
Wed Jun 29, 2011 11:48 am
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 6064

I like the Stones but am not a big fan. I received Keith Richard's autobiography for Xmas. I really did not want to read the book but am glad that I did. It was really interesting and fun to read.
by DocHolliday
Tue Jun 28, 2011 3:45 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 26944

Good catch on giving some props to Slash. He wrote some really great licks. Speaking of Ozzy's guitar players, Jake E. Lee is another one. He tore up the Bark at the Moon tour. You can watch him on Youtube of course. Another one of my favorite guitar players (I have a lot) is Vivian Campbell. He pla...
by DocHolliday
Sat Jun 25, 2011 9:56 am
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 26944

Marty Schwartz is a very good teacher. And, the lessons are right up the boglehead's alley. They are free on youtube. Zakk Wylde is still my favorite but many others are also "favorites". Randy Rhoads and Jimmy Page always blow me away. EVH and George Lynch are amazing. The 80s was full of great gui...
by DocHolliday
Fri Jun 24, 2011 12:08 pm
Forum: Personal Consumer Issues
Topic: Does Anyone Else Play Guitar?
Replies: 42
Views: 6064

I started playing guitar seriously a couple of years ago. I was a singer in local bands for years but really wanted to play guitar. I gave up the band to spend more time with my family and finally started playing guitar to fulfill the music fix. I am 43 now and wish I had started playing guitar much...
by DocHolliday
Thu Jun 16, 2011 3:13 pm
Forum: Personal Consumer Issues
Topic: Do you ask people to remove their shoes when then come in?
Replies: 60
Views: 6213

Growing up, Mom insisted that shoes be removed. That has carried over to my house. I politely ask visitors to remove their shoes even though most take their shoes without being asked.
by DocHolliday
Thu Jun 02, 2011 11:59 am
Forum: Personal Consumer Issues
Topic: Tressel resigns
Replies: 111
Views: 10488

I live in the Youngstown area. The coach of a local HS lives across the street. He played for Tressell during the YSU championship years. My neighbor is a very good coach. He does not say much about Tressell excpet that he was a very good football coach. I was born and raised in western PA and have ...
by DocHolliday
Thu May 12, 2011 8:28 am
Forum: Personal Investments
Topic: Emergency Fund Question! Stock Options
Replies: 19
Views: 2158

I think you have to purchase the stock options as part of your employment plan. If you like your job and think that you are working for a solid company, I would not hesitate to become a share holder.

Good luck.
by DocHolliday
Wed Apr 27, 2011 4:30 pm
Forum: Personal Consumer Issues
Topic: The Good, the Bad and the UGLY!!!
Replies: 16
Views: 2920

Bernstein's Four Pillars of Investing is my favorite investing book. It may not have been exciting but it put me on the right path.

I have only read investing books from the Boglehead list. I avoided the bad and ugly.
by DocHolliday
Fri Apr 08, 2011 8:08 am
Forum: Personal Investments
Topic: move american funds ira rollover to wells fargo advisors?
Replies: 6
Views: 2004

Sunny,
Do not move your money to an advisor. Keep reading everything you can at this site and you will soon understand the reason.
by DocHolliday
Thu Apr 07, 2011 3:01 pm
Forum: Personal Investments
Topic: Thinking about exchanging Midcap Index for TSM
Replies: 9
Views: 1353

I would not sell. Why create a tax bill for a few percentage points difference in your AA. Who says your "wrong" AA is not actually "right"?
by DocHolliday
Thu Apr 07, 2011 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Top 10 reasons Fred Flinstone loves 529s
Replies: 47
Views: 5681

FafnerMorell,
Your idea is already a movie. Rodney Dangerfield goes "Back to School".
by DocHolliday
Mon Apr 04, 2011 7:25 pm
Forum: Personal Consumer Issues
Topic: Did anyone actually like the 1970s?
Replies: 111
Views: 12979

I was born in 1968 in western PA. Since I was just a kid during the 70s, I did not have to deal with vietnam, gas shortages, unemployment, or any of the other adult struggles. I remember my dad struggling at Westinghouse as a factory worker with lay offs, strikes, and an eventual plant shut down. He...
by DocHolliday
Wed Mar 30, 2011 5:02 pm
Forum: Personal Consumer Issues
Topic: "annual brag letter" to friends and family
Replies: 56
Views: 8010

I am amazed that the good people at this site seem so negative. I receive one Xmas letter a year and look forward to it. When I find it in the mailbox, I drop everything else and open it immediately. It is from a close cousin currently stationed in SD that has been in the marines for the last 23 yea...
by DocHolliday
Thu Mar 24, 2011 3:04 pm
Forum: Investing - Theory, News & General
Topic: Practical aspects of threshold trigger rebalancing
Replies: 22
Views: 3061

As time passes, I have less desire to mess with my investments. I rebalance when I contribute to my Roth each year. If stuff gets really out of whack, like it did in 2009, I change my 401K contributions to try to steer things back to my asset allocation. Back then I was buying 100% stock funds. I ha...
by DocHolliday
Wed Mar 23, 2011 2:40 pm
Forum: Personal Investments
Topic: Still in 2 minds about my retirement portfolio
Replies: 12
Views: 2802

If I was fortunate enough to be in your position, I would decrease my stock %. It seems like you do not have a reason to risk what you have. Why not protect what you have by going with more bonds and less stocks? If you wanted to diversify, you could trade some stock funds for some REITs. The typica...
by DocHolliday
Mon Mar 14, 2011 3:32 pm
Forum: Personal Investments
Topic: What is YOUR bond/equity ratio compared to your age/horizon?
Replies: 80
Views: 14024

I am 42 years old. Wife is 40. We are approximately 65/35 stocks to bonds. We do not rebalance religously or exactly. We will likely remain at that approximate ratio for the next 5 years. After that, we will go a little more conservative at 60/40. Retirement is about 20 years away. We keep our purch...
by DocHolliday
Mon Mar 14, 2011 2:54 pm
Forum: Personal Consumer Issues
Topic: Best Plasma TV
Replies: 43
Views: 6152

I chose the Panasonic plasma over the Samsung. There was not a difference in picture quality but the Panasonics were on sale that weekend. I went with plasma because it had the best picture. I have had the Panasonic for about 3 months now and love it. Hopefully, I can say the same thing in 3 years.
by DocHolliday
Thu Mar 10, 2011 8:34 am
Forum: Personal Investments
Topic: Retiring Soon. Have Advisor. Seeking Additional Advice.
Replies: 85
Views: 16642

1. Read the first sticky post in this forum. 2. Read a few of the books from that post. 3. Dump the advisor and move tax-deferred funds to Vanguard or Fidelity. You will save a lot of money. It is not that difficult to manage your retirement funds. Probably 99% of the folks that post at this site kn...
by DocHolliday
Wed Mar 09, 2011 7:03 pm
Forum: Personal Investments
Topic: Getting started with $2000
Replies: 26
Views: 4772

I would go with the STAR fund now. When $3000 is reached after further contributions, your friend can switch to a different fund if so desired. That STAR fund is a great way to start investing.
by DocHolliday
Wed Mar 09, 2011 7:41 am
Forum: Personal Consumer Issues
Topic: The Umbrella Bucket
Replies: 60
Views: 10062

I do not use umbrellas. Actually, I rarely even see them being used.
by DocHolliday
Mon Feb 28, 2011 12:43 pm
Forum: Personal Consumer Issues
Topic: Where are all the good painters?
Replies: 21
Views: 5022

I do all interior painting myself as well. I sometimes spend more time preparing the work area than actually doing the painting. I invest that prep time so that my floors, trim, cabinets, and windows do not get paint on them. I hate when I see sloppy paint work. That tells me that the painter was to...
by DocHolliday
Fri Feb 18, 2011 1:08 pm
Forum: Investing - Theory, News & General
Topic: What do bogleheads *not* agree on?
Replies: 69
Views: 9301

REIT Fund
by DocHolliday
Fri Feb 18, 2011 10:37 am
Forum: Personal Consumer Issues
Topic: I really love the forum, but...
Replies: 87
Views: 12809

If someone posts a question on here regarding a purchase, they deserve any of the responses received. They made the post hoping for responses. Of course, the responses must be taken with a grain of salt at this site because frugal is a reoccuring theme. At least it gives the original poster somethin...
by DocHolliday
Wed Feb 16, 2011 4:09 pm
Forum: Personal Investments
Topic: Why not move Roth from Windsor II to Value Index?
Replies: 9
Views: 1802

I would do what makes sense for your asset allocation. Nobody knows which of those 2 funds is going to outperform the other.

Set your plan and get to enjoying life.
by DocHolliday
Tue Feb 15, 2011 1:10 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 170273

My go to beer these days is "Bud in a bottle". A few years ago I was a Sam Adams guy and hated domestic brews. A new house and new baby required some money adjusting. Bud tastes just fine to me now. I still do not like light beers of any kind. I want some taste on my budget. Yuengling has been one o...
by DocHolliday
Fri Feb 04, 2011 4:05 pm
Forum: Personal Investments
Topic: Where to invest $100-$400 a month?
Replies: 41
Views: 6852

Goals don't have to be specific dollar amounts or specific things you have in mind. For example, I'm 28, don't have any kids, and rent an apartment. Someday I'll probably have kids and want to buy a nice house somewhere, and sometime later I'll probably want to retire (but who knows when, maybe I'l...
by DocHolliday
Wed Feb 02, 2011 11:54 am
Forum: Personal Investments
Topic: Where to invest $100-$400 a month?
Replies: 41
Views: 6852

You have come to a great place for investing advice. Like many folks on here, you started investing and then realized that you need to learn how to invest effectively. The Vanguard website has some basic info and the books mentioned by previous posters will be a huge help to you. Read. Learn. Determ...
by DocHolliday
Tue Feb 01, 2011 2:29 pm
Forum: Personal Consumer Issues
Topic: The Munchkin Man's Honda Civic
Replies: 75
Views: 10164

The munchkin man should have bought an Accord.
by DocHolliday
Tue Feb 01, 2011 2:26 pm
Forum: Personal Consumer Issues
Topic: Can't afford a used $3000 car? Buy a new $25000 car !
Replies: 41
Views: 7039

Why does anyone care what someone else does with their money? If they didn't ask for advice, just let them do as they please. If it was my friend - it doesn't impact my life so I really don't care. The original poster found a topic in his life interesting and/or funny. He posted it on this message ...
by DocHolliday
Mon Jan 31, 2011 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Renter interview
Replies: 27
Views: 4218

As another poster pointed out, I always check out potential renter's cars during the interview process.

We have the unannounced monthly visit written into the agreement. I make excuses to visit the house often. You cannot trust any renter.
by DocHolliday
Mon Jan 31, 2011 3:07 pm
Forum: Personal Consumer Issues
Topic: How many credit card solicitations per week?
Replies: 49
Views: 4746

The wife and I probably each receive one per day. It has been months since we even bothered to open one. What a waste of paper.
by DocHolliday
Mon Jan 31, 2011 12:35 pm
Forum: Personal Consumer Issues
Topic: Can't afford a used $3000 car? Buy a new $25000 car !
Replies: 41
Views: 7039

Why does anyone care what someone else does with their money? If they didn't ask for advice, just let them do as they please. If it was my friend - it doesn't impact my life so I really don't care. The original poster found a topic in his life interesting and/or funny. He posted it on this message ...
by DocHolliday
Tue Jan 25, 2011 1:24 pm
Forum: Personal Consumer Issues
Topic: Can't afford a used $3000 car? Buy a new $25000 car !
Replies: 41
Views: 7039

Re: Can't afford a used $3000 car? Buy a new $25000 car !

My friend's car just died. He has no money saved. He can't afford a $3000 Honda. So, he is getting 0% APR and buying a brand new $25k car instead. Can anyone help me figure out what planet I'm on? LOL obviously your friend intends to default on this loan. ("No money saved"?, no reliable wheels, and...
by DocHolliday
Tue Jan 18, 2011 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much does it cost to have a baby?
Replies: 92
Views: 10211

Babies cost a good bit of money. However, I have never bothered to figure out how much our 10-month old cost. There truly are some things in life that cannot be priced. The breastfeeding did not work out so we had to go the formula route. That stuff is expensive. The crib and dresser cost a few buck...
by DocHolliday
Wed Aug 18, 2010 12:22 pm
Forum: Personal Consumer Issues
Topic: Keurig coffee appliance
Replies: 30
Views: 4349

While the machine and coffee pods are more expensive than the traditional coffee makers, I think the quality of the coffee is better. My wife and I may drink one cup of coffee at home on the weekends. Since we are not big coffee drinkers, the convenience of the single cups makes sense for us. Having...