Search found 100 matches

by c078342
Fri Jan 22, 2016 6:18 pm
Forum: US Chapters
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 9690

Re: Hope everyone is well [Preparing for Eastern US blizzard]

My goodness People. It's the middle of January in New England, the Middle Atlantic - it snows. Maybe because I grew up in Western New York in the snow belt, but winters in the east are pretty benign. I lived in the country, some roads were not plowed, in the spring people would sometimes find cars w...
by c078342
Sat Jan 16, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 7363

Re: Pizza Stone / Homemade Pizza Roll it out Advice

^^^Going to have to try that this summer. Summer? You are in Kentucky. We're in Connecticut and grill out all year. Last couple of winters has required a few days hiatus due to the grill being snowed under. But ... Grilled pizza is tasty. Roll the dough out, put it on the grill until it starts to b...
by c078342
Tue Jan 05, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 6404

Re: What to do with my Audi A3 TDI

The bottom line is "Do you like the A3 - are you happy with the fuel economy, performance?" If yes, just keep the car without performing any of VW's related service bulletins. Any incremental reductions in emissions from not doing the fix are astonishingly tiny and not meanigful. Have no g...
by c078342
Sun Dec 20, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: How do you handle auto care? (for a non-DIY'er)
Replies: 54
Views: 6406

Re: How do you handle auto care? (for a non-DIY'er)

I take our 2 Porsches and the Audi to their respective dealers (both owned by the same entity) for a number of reasons. Great personalized service by writers who know us by name, especially at Porsche but also at Audi. I had a new battery comped by Porsche because the wait for a new set of tires was...
by c078342
Mon Dec 07, 2015 6:13 pm
Forum: Investing - Theory, News & General
Topic: Bond Safety/Diversification
Replies: 16
Views: 2368

Re: Bond Safety/Diversification

There are also closed-end bond funds which have a fixed portfolio of bonds that they never sell. They only let them reach maturity.
For example??
by c078342
Sat Dec 05, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 12612

Re: Writing checks - a Bogleheads thing to do?

I write some checks - but not at the supermarket - I hate it when I have to wait for someone to get their checkbook out, write the check etc. This is a huge pet peeve of mine. I used to eat lunch in the company cafe and was really annoyed when somebody would wait until their lunch total was known B...
by c078342
Wed Nov 18, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: At what level does the cost of something matter to you?
Replies: 64
Views: 8573

Re: At what level does the cost of something matter to you?

Of course I look for value, but the cost of something really does not come into play until it is at the point where I can't pay for it out of cash flow. Fortunately, we are both pretty frugal and this situation doesn't occur often.
by c078342
Wed Oct 21, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Prescription 2016 plan rate increases
Replies: 22
Views: 3362

Re: Medicare Part D Prescription 2016 plan rate increases

Sheepdog wrote: Monthly Premium goes from $32.40 to $44.90 (+38.6%) Last year, my Wellcare plan went from $16 to $32 ( + 50%) Of course, I bailed, went to Humana. $32.4 to $44.90 is, in fact, 38.6% Going from $16 to $32 is 100% (not 50%). Just a nit pick, but understand percentages before using.
by c078342
Wed Oct 14, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Can I join AARP and turn off all snail mail from them ?
Replies: 13
Views: 2184

Re: Can I join AARP and turn off all snail mail from them ?

My wife and I reluctantly joined aarp to access their United Healthcare medicare plans. We would never join without the financial benefit. The good news is that you only have to join in the year you obtain UHC benefits. When I started getting multiple mailings from them, I called and told them in no...
by c078342
Fri Oct 09, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 50
Views: 5489

Re: Headlights & car safety

Once again, the Feds are interfering with advanced European technology that provide better lighting.

http://www.roadandtrack.com/car-culture ... ight-tech/

If they would just get out of the way ...
by c078342
Mon Sep 07, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 365
Views: 86583

Re: A Returns Spreadsheet for Bogleheads

Thanks for the response and for your effort in creating the spreadsheet. I've been poking around in it and found it's very straightforward to change the period.
by c078342
Sun Sep 06, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 365
Views: 86583

Re: A Returns Spreadsheet for Bogleheads

I'd like to use this spreadsheet to track returns, but on a 1/4ly basis to minimize input. I haven't looked very hard, but I'm hoping there is a "switch" somewhere in the coding to change from 12 periods per annum to 4. I'm pretty Excel proficient but I hate dissecting someone else's work....
by c078342
Sat Apr 11, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Gifts to take to Scotland.
Replies: 33
Views: 16454

Re: Gifts to take to Scotland.

Before taking food items into the UK, do some investigating. Some friends of ours had a problem with US customs trying to bring Swiss chocolates and cheese into the USA. Nothing serious, but a delay was incurred.
by c078342
Tue Apr 07, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 483
Views: 86022

Re: Good Modern Science Fiction

I also enjoyed The Martian and look forward to the forthcoming movie adaptation. I also enjoyed Red RIsing and it's sequel Golden Son by Pierce Brown. A third Morning Star is due next year. There's much Hunger Games and some Divergent here, but I still enjoyed the read.
by c078342
Mon Mar 02, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 7221

Re: Oil & Vinegar

DOn't buy - make it from scratch. Here's a link regarding some food science behind vinaigrettes, which contains links for some great simple dressings. You can read of the authors credentials. He indicates indefinite life and I've had dressings in the fridge for weeks. I use a squeeze bottle for stor...
by c078342
Sun Mar 01, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 19833

Re: Honda fit vs VW GTI

There have been similar questions before, and I have answered with a question: Do you enjoy driving? Is it fun? Or is it a chore for you? Necessary to get from A to B? You have a Miata, so I expect the truth is you are some level of car guy (gal?). If so, the Fit is an abomination. As is the Prius. ...
by c078342
Wed Jan 28, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 39429

Re: 400ft Driveway - How do I plow the snow?

You shoveled a 600' driveway by hand? Mine is only 80' long and after the first snowfall I looked out window, then got on the computer and ordered a snow blower. I was much younger then. My wife helped for the heavier snows. I learned alot about snow clearing technique. It also helped that the driv...
by c078342
Sun Jan 25, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 39429

Re: 400ft Driveway - How do I plow the snow?

Oddly enough, that's about the length of my driveway. To make matters worse, mine is up hill from the road and has a switchback mid-way up. This pretty much described my driveway in central Conn, except mine was closer to 600 feet. Lived in that house for 27 years and initially shoveled it by hand....
by c078342
Tue Jan 13, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 36799

Re: What was your costliest investment mistake?

Being too heavily weighted toward stable value fund and not in equities for much too long in the early years of our 401k plans.
by c078342
Mon Jan 05, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 39926

Re: What do you drive, and why?

2013 Audi A4: Great value for the money (~$45k). Comfortable interior, great (IMO) styling, excellent performance, AWD, excellent reliability. 2013 Porsche Boxster: My toy. This one replaced '02 Boxster S. There is no substitute. Vacations without golf clubs. 2015 Porsche Macan S: To be delivered th...
by c078342
Thu Jan 01, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 12715

Re: Test drive new vehicle without sales pressure?

Hard sell will depend, in my experience, on the car you are looking to buy. The higher end, the less pressure or even zero pressure, will be experienced. Out last buy, a Porsche Macan, (which is on a car transport about 80 miles south of Rhode Island, and has been for a few days now,) was zero press...
by c078342
Mon Dec 29, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 10659

Re: What did you enjoy spending money on this year?

1. A slightly used 2013 Porsche Boxster after my 2002 S committed suicide on our wedding anniversary in September. (IMS bearing failure.) 2. A 2015 Porsche Macan S (ordered in late June, now in the US but not delivered yet) replacing an older VW Tiguan. We're retired, have no kids, great pensions (t...
by c078342
Mon Dec 08, 2014 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: State Income Tax withholding
Replies: 0
Views: 325

State Income Tax withholding

It doesn't seem like I can withhold Conn income taxes on withdrawals from IRAs at Vanguard. Federal taxes, yes, but state taxes, no? What's up?
by c078342
Thu Dec 04, 2014 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4709

Re: Medicare signup

I'm new to Medicare, this is my first year. But I'm curious why there is no mention here of Plan N. In central Connecticut, it's $75 / month cheaper than Plan F and for someone in (relatively) good health so it seems a no brainer. $900 / year savings can pay for a lot of 20% copays if you require mo...
by c078342
Mon Dec 01, 2014 4:45 pm
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 7064

Re: Long-Lasting Incandescents + LED Question

When the incandescent bulbs started to disappear, and hating CFL bulbs (from both a philosophical and ascetic perspective), I acquired a supply of incandescents that would last my life time. LEDs were simply not cost effective then. Recently, I have bought some CREE bulbs for experimental purposes, ...
by c078342
Sat Oct 25, 2014 6:50 pm
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 11077

Re: Done with Honda, not sure what next car should be?

We've owned VW products (now including Audi and Porsche) for 37 years. In my remembrance,they have been recalled 2 or 3 times, never for anything I considered serious. German cars are superior.
by c078342
Wed Oct 08, 2014 6:27 pm
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 7631

Re: Snow Blower

I have a 7HP two stage track drive Honda. It's a nice piece of equipment, mine is 12 years old and is still operating pretty much like new. Always starts on 1st or 2nd pull. I've had to replace a couple of shear pins, a spark plug and cleaned the carb once. Oh and change the oil every year. However...
by c078342
Tue Sep 16, 2014 4:26 pm
Forum: US Chapters
Topic: How old are you?
Replies: 82
Views: 13055

Re: How old are you?

I'm 65. The pretty rapid fall-off after age 65 is a little disconcerting.
by c078342
Thu Sep 11, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: BMW X3 vs Mercedes GLK350
Replies: 33
Views: 10646

Re: BMW X3 vs Mercedes GLK350

Take a look at the Porsche Macan S. It's built on the Q5 platform, but there are very few Audi parts in it, Porsche did a pretaty much new design. But be prepared for a 6 - 7 month wait for it to arrive.
by c078342
Thu Aug 21, 2014 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 10363

Re: I failed SS login

This is off-topic, but SS related. Why can't the Medicare ID card be the same size as a credit card, and why is it paper in 2014? I had the ID laminated at Staples and it doesn't fit well in the money clip / card holder I use. After 4 months, it is delaminating. Annoys me.
by c078342
Sat Aug 09, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 16894

Re: Best websites to buy quality meat for grilling?

+1 for Lobel's. Niman Ranch is also good. But my preference is Peter Luger mail order. Omaha Steaks is not very good in my opinion.
by c078342
Sat Jul 26, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 3985

Re: How to fix pop-up sprinkler head?

Sprinkler head repair is pretty easy. I have Hunter PGP heads that you can buy on-line for $5 or $6 (plus shipping) or at HD or Lowe's for about $12. The whole unit consists of a housing that is attached to the feed line by a threaded connection. The actual pop-up portion screws onto the top of the ...
by c078342
Mon Jul 07, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 3355

Re: POLL: How Old is Your Newest Motor Vehicle?

3 vehicles:
2002 Porsche Boxster S
2009 VW Tiguan
2013 Audi A4
The Tiguan is on its way to being replaced by a Porsche Macan when the diesel version becomes available shortly.
by c078342
Fri Jun 29, 2012 3:46 pm
Forum: Personal Consumer Issues
Topic: Best Way to Buy a Classic Car?
Replies: 12
Views: 1603

Re: Best Way to Buy a Classic Car?

I am glad I did it when I did, because now I think getting in and out would be quite a chore. Dan I'm 63 with an '02 Porsche Boxster S. I liken getting in to how I've heard carrier landings described, as a controlled crash. Getting out is no problem. As to the TR6, it depends on your circumstances:...
by c078342
Fri Jun 22, 2012 7:31 am
Forum: Personal Consumer Issues
Topic: Propane vs Electric vs Oil vs... for heating home
Replies: 48
Views: 14346

Re: Propane vs Electric vs Oil vs... for heating home

Valuethinker: Electricity is NOT "wildly expensive" in Connecticut! I pay 7.5 cents per kwhr, which is significantly below the national average. Just to let your know.
by c078342
Wed May 16, 2012 4:29 pm
Forum: Personal Consumer Issues
Topic: Radon Remediation
Replies: 36
Views: 7083

Re: Radon Remediation

WE live in a 55+ community. A neighbor recently sold his house and was required to have the radon level tested. It came out 2.5% greater than the allowable level. He was required to remediate to close the sale. We all thought it a little silly given we're in our late 50's and older.
by c078342
Mon Apr 30, 2012 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Encounter with the Social Security Administration
Replies: 2
Views: 692

Encounter with the Social Security Administration

Here's my dilemma: my Social Security number seems to be associated with 2 names. I'm pretty sure what happened, but I need to figure out how to solve it. I'm looking for any feedback from Bogleheads re dealing with the SSA. My given name was a family name not common. As a child, I didn't like it - ...
by c078342
Mon Apr 30, 2012 4:29 pm
Forum: Personal Investments
Topic: Retired now for one hour 35 minutes!
Replies: 31
Views: 4730

Re: Retired now for one hour 35 minutes!

NEAT! 60 days from today, at about this hour, I will be able to say the same thing after 40 years working. For one company. I'll miss the people I work with but I won't miss the micromanagement. Our SAP system sets up 2 costs when we send work to another division within the corporation, one of which...
by c078342
Sun Apr 01, 2012 1:03 pm
Forum: Personal Consumer Issues
Topic: access email at work
Replies: 53
Views: 4833

Re: access email at work

Pretty bad 401k. No email access allowed at work. I am guessing there are other aspects of this employer that make up for the company's apparent shortsightedness. My previous employer locked down my computer so tight, I had NO administrative rights on it. Yes, I get 350 Restricted Stock Shares afte...
by c078342
Mon Feb 20, 2012 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quality furniture, worth the investment?
Replies: 39
Views: 8227

Re: Quality furniture, worth the investment?

You're going to spend much time with your furniture, especially after you retire. So you should be comfortable with your environment. We had generic furniture until well into our 50's, but then settled on Stickley Craftsman style, which now comprises our great and dining rooms. The warmth of the dar...
by c078342
Sun Feb 19, 2012 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Learning Excel for personal finance
Replies: 28
Views: 4170

Re: Learning Excel for personal finance

Excel is the best thing since sliced bread for those needing to analyze quantitative data. I'm an engineer for a large aerospace firm and I'll bet that many if not most of the engineers spend 75% of the day with Excel open on their desktops. It is amazingly powerful, even when used at elementary lev...
by c078342
Thu Jan 26, 2012 7:54 pm
Forum: Personal Investments
Topic: Help with wife's pension annuity options
Replies: 5
Views: 1053

Re: Help with wife's pension annuity options

Oh, to have a public sector pension. I have about half the options that you have. Anyway, this is essentially a net present value problem - you need to fire up Excel and do some what-ifs. I tend to think that cash in hand is worth 2 in the bush. But, based on your wife's expected life span, consider...
by c078342
Thu Jan 26, 2012 7:17 pm
Forum: Personal Investments
Topic: When Would You Pivot from Growth to Preservation?
Replies: 22
Views: 2441

Re: When Would You Pivot from Growth to Preservation?

[quote="jimkinny"]I knew in the fall of 2008 and winter of 2009 that I should have pivoted earlier. Losing 40-50% of a portfolio enhances one's ability to understand risk. This pretty much summarizes my feelings. I didn't suffer 40-50% loss, but it certainly was enough to get me full atten...
by c078342
Tue Jan 03, 2012 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to lease a Prius?
Replies: 28
Views: 2409

Re: Does it make sense to lease a Prius?

A different perspective: Why would you lease or buy, for that matter, such an abomination as the Prius? It makes a minivan almost seem like a car. Have you looked at the payback period? Get a VW diesel TDI Passat or Jetta if you want to reduce you CO2 footprint. It will at least seem like a real car...
by c078342
Tue Nov 29, 2011 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any Condo owners here? What is with HOA fees?
Replies: 21
Views: 4071

Re: Any Condo owners here? What is with HOA fees?

Condos come in many flavors. Here is our situation. We moved into a 55+ condo association in southern New England nearly 5 years ago. (We love it.) It's small, currently 24 of 30 stand alone units are declared. The units are in the mid six figures. We pay $200 per month which covers lawn care, sprin...
by c078342
Tue Nov 01, 2011 5:00 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Recommendation
Replies: 54
Views: 4557

Re: Dishwasher Recommendation

We have a Fisher Paykel dishdrawer dishwasher and love it. There's only 2 of us, so it is nice to be able to do a day's worth of dishes and not having to wait to fill it up to do a load. It wasn't inexpensive, but it is extremely quiet. You can't hear it running outside of the kitchen.
by c078342
Mon Oct 24, 2011 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: I splurged this weekend!
Replies: 71
Views: 8938

Re: I splurged this weekend!

I don't really feel like I baby my car, I feel like I am being prudently protective of my investment. I drive my wife daily into the middle of Hartford, and I don't trust the locals to follow the traffic laws. The Boxster never sees Hartford streets. A lower mileage car will always have a higher val...
by c078342
Mon Oct 24, 2011 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: I splurged this weekend!
Replies: 71
Views: 8938

Re: I splurged this weekend!

Here us my splurge story: In 2004, we were looking to replace a car coming off a lease. At the time, we were thinking of retiring in a few years. (Hasn't happened yet.) I had a short list of candidates, Cadillac CTS (SO shot it down, "We are not Cadillac people"), RX8 ("You're not buy...
by c078342
Sat Oct 22, 2011 3:12 pm
Forum: Personal Consumer Issues
Topic: Margin Call, the Movie
Replies: 29
Views: 3702

Re: Margin Call, the Movie

Watched this afternoon on Cox on demand. I have read avidly about the Wall St failures as the housing bubble collapsed. I enjoyed the movie and would recommend it for those interested in what happened. I'm a bachelor this weekend and took advantage of this as my wife is not interested in this subjec...
by c078342
Thu Jul 28, 2011 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Some observations on switching my bulbs to CFL's
Replies: 48
Views: 5638

CFL Bulbs

Can't stand them. They are a safety hazard, provide unsatisfactory light temperature, and contain mercury. While I haven't tried LEDs, my solution is a stockpile of about 500 incandescents to last the rest of our lives. Probably more than we'll need, but their future value will add to our estate. Ju...