Search found 1443 matches

by Teague
Mon Jan 07, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Insurance question, DDS 2nd opinion covered?
Replies: 6
Views: 374

Insurance question, DDS 2nd opinion covered?

Hi all, My minor child just had a dental exam with xrays at a new-to-us provider, and a treatment plan was formulated. For various reasons I'm not thrilled with this practice (including their intention to fill a remarkable number of teeth and prophylactically extract all four asymptomatic 3rd molars...
by Teague
Mon Jan 07, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1768

Re: DIY question - leaky faucet - change stem valve or o-rings?

As to original question, I learned long ago, that when plumbing fixtures get worked on, especially if something has worn out, there is a good likelihood that something else will get damaged in the process. Agreed, which is why I never begin a plumbing project late in the day or on a holiday. There ...
by Teague
Sun Jan 06, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7738

Re: Engagement Ring (Affordable)

Congratulations! And good luck. It might make you feel better about the expense of the engagement ring you're supposed to buy for her, if she were to buy you a gift for yourself of roughly equal value. I don't know the kinds of things that would interest you, but some ideas off the top of my head a...
by Teague
Sat Jan 05, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig lens rentals? [camera lens]
Replies: 10
Views: 1024

Re: Side gig lens rentals?

Terrible idea, sorry to say, but you did ask for thoughts. The above points are spot on. As a photographer, when would I rent a lens? When I really needed one I don't already have (and yes, I have that 70-200 2.8 you mention, and an 80-200 2.8, and several others, and so do lots of other folks.) So ...
by Teague
Fri Jan 04, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2774

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

So does this mean new high tech features are less reliable than the technology they replace? I can imagine the sales pitch from a few decades ago. "You need the extended warranty because this new-fangled electronic fuel injection and electronic ignition are probably less reliable than the tried-and-...
by Teague
Fri Jan 04, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7738

Re: Engagement Ring (Affordable)

Shame it’s become such a social pressure/competition for people. My girlfriend’s brother just dropped 15k on a ring that looks pretty meh, which terrified me haha I'm not sure the social pressure exists if you don't allow it to, but I am sure the diamond companies' attempts at pressuring potential ...
by Teague
Wed Jan 02, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Re: Black licorice fans - suggestions?

lexie2000 wrote:
Wed Jan 02, 2019 10:01 pm
Good N Plenty!! LOL
Well, I like those too! But they're just not what I've been searching for it seems. The last time I saw them on a shelf, I noticed a bearded older gent in a robe standing nearby. And I suddenly had a strong thought that "These are not the candies you're looking for."
by Teague
Wed Jan 02, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Re: Black licorice fans - suggestions?

Thanks to all who have suggested Scandinavian, Nordic, and Dutch licorice. I'd tried one brand that had a rather off taste, but I will seek out others and give it another go. Yes, I am thinking that my genetics (50% Scandinavian) may be contributing to my taste preferences. I was not raised on smoke...
by Teague
Wed Jan 02, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Re: Black licorice fans - suggestions?

wstrdg wrote:
Wed Jan 02, 2019 4:51 pm
Definitely try Scandinavian salt licorice. It's nothing like the taste of American candy. See this article on how Iceland got hooked on licorice: https://www.atlasobscura.com/articles/iceland-licorice

You'll love it! :D
Wonderful article. Thank you! :happy
by Teague
Wed Jan 02, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Re: Black licorice fans - suggestions?

I'm a fan of strong anise flavor rather than licorice flavor. Switzer's licorice bites were my longtime favorite. Now nearly impossible to find, I did locate some at the Cracker Barrel a couple years ago. Not quite the same as I remember it, but still pretty good. So hard to stop eating them once t...
by Teague
Wed Jan 02, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Re: Black licorice fans - suggestions?

Why not just chug anise oil? It is not difficult to make your own candy. Who knows? Maybe there is a market for ultra strong anise candy that you are missing out on? Well, anethole, that is the essential component found in anise. https://en.wikipedia.org/wiki/Anise Now, glycyrrhizin, that is the es...
by Teague
Wed Jan 02, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1518

Black licorice fans - suggestions?

Happy new year all. :happy I am looking for suggestions for full-flavored (strong) black licorice products. Twizzlers and other such weak-kneed vague attempts need not apply. The products I have tried so far have each been deficient in some respect, with some better than others. Following are my imp...
by Teague
Sun Dec 30, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: University Alumni Associations—Any Value?
Replies: 19
Views: 1858

Re: University Alumni Associations—Any Value?

I'd consider access to full-text medical journals well worth the $50-100 (?) yearly cost. Assuming you would have access to those. Particularly as one grows older and develops focused interest in one's own maladies. Even if your degree was not in the sciences, presumably you were taught critical thi...
by Teague
Sat Dec 29, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1104

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. This has absolutely nothing to do with the question. But please feel free to pat yourself on the back. ...
by Teague
Fri Dec 28, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1104

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. I've actually been quite happy about the electricity costs associated with heating our hot tub. During ...
by Teague
Fri Dec 28, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1104

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump. This has absolutely nothing to do with the question. But please feel free to pat yourself on the back. ...
by Teague
Fri Dec 28, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1104

Re: Hot Tub - Spa Purchase Help

My experience with a hot tub was short-lived. One came with the house I bought. Once I realized how much it would cost to heat the water, I took a Sawzall to it and hauled the pieces to the dump.
by Teague
Fri Dec 28, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2536

Re: Why do people buy- performance cars?

I think one thing that has been over looked is the throaty sound of a car that uses the left hand to start and has an illuminated word “turbo” as you get into it. Pure pleasure and you haven’t even backed out of the driveway. :beer Also overlooked is a lumpy big cam idle. Lots of fast and fancy car...
by Teague
Fri Dec 28, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: How accurate are stock return forecasts?
Replies: 23
Views: 1261

Re: How accurate are stock return forecasts?

I think many folks would agree that longer term forecasts tend to be more accurate than short term forecasts. And I think many folks would agree that even the longer term forecasts aren't all that good. The problem is there is so much variance (not sure if that's the best term here) or so much +/- r...
by Teague
Fri Dec 28, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8412

Re: Saving at Costco

I spend a lot at Costco. I like Costco. I've concluded that Costco does not save me money on the whole, but shopping there has raised my standard of living . I'm willing to trade some of my money for that result. How? I am genuinely curious. Standard of living as measured by quality and type of con...
by Teague
Fri Dec 28, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2536

Re: Why do people buy- performance cars?

Ependytis wrote:
Fri Dec 28, 2018 4:22 pm
Why do people buy performance cars? As my dad said, you can only go the speed limit.
Your dad was mistaken. :D
by Teague
Fri Dec 28, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8412

Re: Saving at Costco

I spend a lot at Costco. I like Costco. I've concluded that Costco does not save me money on the whole, but shopping there has raised my standard of living. I'm willing to trade some of my money for that result.
by Teague
Fri Dec 28, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: For the dentists: problems with orthodontist
Replies: 2
Views: 634

Re: For the dentists: problems with orthodontist

Welcome. If I were a dentist, and I'm not, I wouldn't be willing to risk my reputation or worse should something go wrong. Or in this case, more wrong than it already has. I realize that this board is anonymous, but I have no idea what information may be subpoenaed under what circumstances. But good...
by Teague
Fri Dec 28, 2018 12:09 pm
Forum: Personal Investments
Topic: How to monitor elderly parents' finances to protect them from fraud
Replies: 15
Views: 689

Re: How to monitor elderly parents' finances to protect them from fraud

While you're at it, make sure to give your parents read-only access to all of your finances. Though you've undoubtedly come a long way, your relative youthful naiveté may make you vulnerable to scams and cons that your parents are aware of by virtue of their greater experience.
by Teague
Thu Dec 27, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 2416

Re: Remove damaged coating from prescription glasses

Dear Boglers, I have worn glasses my whole life. 8-) Recently I have moved to "progressive lenses" which are like bifocals and cost the better part of a thousand dollars. :moneybag My prescription changes very little year-to-year, but every two years my glasses would become unusable due to the non-...
by Teague
Thu Dec 27, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 5023

Re: Why call them "losses" when you still own the shares?

Why call it a loss when your share prices decrease? Well, actually, the good news is that you don't have to call that a loss at all!

The thing is, though, pretty much the rest of the world will call that a loss. Particularly anyone you may want to sell those shares to.
by Teague
Tue Dec 25, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 419510

Re: What are you up YTD? [Year To Date]

Merry Christmas.

Am I still a believer in bull markets?
Yes sir.
Because at my age, it's marginal, right?
Yes sir.
by Teague
Tue Dec 25, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 10043

Re: Are we officially in bear market ?

A binary system of bear vs. bull seems insufficiently granular for modern times. Shouldn't we enlist a broad selection from the animal kingdom in an updated model? High-frequency traders could incorporate flora as well as fauna into their algorithms. I do have some trepidation about this, though. Be...
by Teague
Fri Dec 21, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10204

Re: When did the musicians on the titanic realize their fate?

I think no one really likes to see their portfolio declining, so I'd guess everyone worries just a tad when it goes down significantly, whether they admit it or not. Some worry earlier in the decline, or worry more than others. And everyone would like it if all of their investments increased in valu...
by Teague
Thu Dec 20, 2018 6:33 pm
Forum: Personal Investments
Topic: Roth IRA for child
Replies: 49
Views: 4926

Re: 8 year old investing help

It's good the kid is interested in investing. But, at 8 years old I would question if they're emotionally developed enough to handle ups and downs of the market. Could they really handle losing 10% or 25% of their savings? Well, he's got his basic needs (and I presume quite a bit more) covered for ...
by Teague
Thu Dec 20, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1917368

Re: U.S. stocks in free fall

Well, increasing my stock allocation a few months ago didn't quite work out as hoped. Lesson learned: that's the last time I use a discount haruspex. The hack probably got his sheep's entrails off Craigslist. :annoyed
by Teague
Tue Dec 18, 2018 8:21 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5807

Re: what to do with cash if very risk averse?

leo28 wrote:
Tue Dec 18, 2018 4:46 pm
Teague wrote:
Tue Dec 18, 2018 4:18 pm
You want minimal risk you say. Treasuries come to mind.
Whats the easiest way to get them?
To invest directly?
www.treasurydirect.gov

else a treasury-based bond or money market fund, if you're into that sort of thing.
by Teague
Tue Dec 18, 2018 4:18 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5807

Re: what to do with cash if very risk averse?

You want minimal risk you say. Treasuries come to mind.
by Teague
Tue Dec 18, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6053

Re: Is Liquid Plumber / Draino bad for the pipes?

When you eventually call a plumber, you do need to tell him/her about the chemicals now in the pipes. These are strongly corrosive to tissues and can cause severe skin and especially eye damage.
by Teague
Mon Dec 17, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1917368

Re: U.S. stocks in free fall

corn18 wrote:
Mon Dec 17, 2018 2:07 pm
I think the current market is either driven by QE unwinding or my dog started eating dry food again. I give each an equal probability.
Hmm. If dog food is a leading indicator, I'd rather not know what constitutes a trailing indicator.
by Teague
Mon Dec 17, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 71
Views: 5771

Re: Sell Sell Sell!

adamthesmythe wrote:
Mon Dec 17, 2018 3:55 pm
Golfview wrote:
Mon Dec 17, 2018 3:32 pm
Could the 10 year Bull market be coming to an end?
(long pause)

"Mebbe."

(rocks for a piece.)

(takes a long draw on his corncob pipe).

(rocks some more)

"Mebbe not."

(more rocking).

(much more rocking).

(sunset).
Well, there's your answer. The renown Pa Kettle sign.
by Teague
Sun Dec 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Birdwatching telescope recommendations
Replies: 17
Views: 936

Re: Birdwatching telescope recommendations

Well, you could always try to find one of these: The Nikon 1200-1700 https://petapixel.com/assets/uploads/2010/12/nikonbazooka.jpg "Weighing in at 16kg/35lbs, and 888mm/35 in long, it was a behemoth by any stretch of the imagination. When it was released in 1990, it had an asking price of around $60...
by Teague
Sun Dec 16, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Lottery Tickets
Replies: 30
Views: 1710

Re: Lottery Tickets

I'd think a case could be make that scratch-off tickets are already bearer instruments, and so not subject to the rule in question. After all, their value has already been decided and does not change dependent on some pending game of chance. That value is simply temporarily obscured under the scratc...
by Teague
Fri Dec 14, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3018

Re: Is it difficult to change a baby's legal name?

A couple of things I might offer- First, I'm pretty sure if you asked a thousand random people in the US what the meaning of "James" was, I'd think no one would answer "supplanter." Probably more like "I have no idea, what does it mean? Second, how reliable is your source for this name origin? I see...
by Teague
Fri Dec 14, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1287

Re: Homeowner Insurance Deductible Amount?

Smart public relations move by the insurance company. The headline if they refused:

Insurance Denies Cracked Boiler Claim - Customers Steamed
by Teague
Thu Dec 13, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51671

Re: What types of jobs do Bogleheads have?

I started as an assistant to a jukebox re-finisher. Next, I was a steam locomotive engineer for several months. (Theme park, but a good sized locomotive, not some hokey sit-on-top thing. I've got scars to this day from occasional hot steam pipe misadventures.) With further schooling, my jobs became ...
by Teague
Wed Dec 12, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 6276

Re: Our mentor advises to "buy bonds" for protection in current market

"Most investors would be wise to re-examine their portfolios to make sure that they are balanced with an appropriate bond position to provide some stability in volatile markets.” In other words, check to make sure you are doing what has been suggested all along. That's not at all the same as the tit...
by Teague
Wed Dec 12, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5876

Re: Lyft driver got into an accident, but denies it

Insisting the police show up for a fender-bender? Around here the conversation might be something like:

Caller: What do you mean you won't send an officer for this? I insist that you do!

Dispatcher: That's nice. Have a good day.
by Teague
Tue Dec 11, 2018 1:32 pm
Forum: Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6979

Re: Motley Fools is now for fools only?.....RIP

Many years ago I did subscribe to one of their stock recommendation services. Basically "ultra small cap gems," or something like that. It did much worse than the S&P 500 index over the two or so years I paid for the subscription, so I quit doing that. The experience permanently cured me of paying f...
by Teague
Mon Dec 10, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9085

Re: Electric bill with LED

Do you heat and cool your home? Let's assume you have 5000 watts of tungsten bulbs and replace them with 800 watts of LEDs. The 4200 watts difference is all heat. In winter you heat the house, so the 4200 watts tungsten surplus heat is not wasted. In summer you cool the house, so your air condition...
by Teague
Sun Dec 09, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9753

Re: New job, sales at Subaru

How to win friends and influence people by Dale Carnegie is a classic. It was written in 1936, and still earns 4.5 out of 5 stars on Amazon. Timeless.
by Teague
Sun Dec 09, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9085

Re: Electric bill with LED

Lighting comprises a pretty small portion of most residential energy consumption. I learned that from a consumer class put on by the local electric utility. So if that's true in your case, changing to LEDs (or candles or trained fireflies or simply living in the dark) wouldn't make a huge difference.
by Teague
Sun Dec 09, 2018 4:55 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12279

Re: 20M Inheritance - What is best option for small/no risk on principal?

I really wonder if the OP will get as many response if the post was; "$20,000 inheritance - What is the best option for small/no risk on principal?" Does the answer touch on human perspective or behavior or failing? I'd bet OP would have gotten more responses with the smaller amount. For me, it tou...