Search found 3399 matches

by hudson
Thu Jul 02, 2009 9:43 pm
Forum: Personal Consumer Issues
Topic: Finding a really good portable radio
Replies: 20
Views: 3687

I was going to recommend the Eton...Grundig radio until I read about the Sony, but here's a link anyway. I'm on my second Grundig...I broke the antenna off of the first one...both have served me well.

http://www.campmor.com/outdoor/gear/Product___88886
by hudson
Wed Jul 01, 2009 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Need help Buying a used Honda 2005 in LA, Ca area
Replies: 20
Views: 3512

LA GUY: You've already done your homework on car prices...good. I would search Honda dealers for the car you want. They are the experts on Hondas. Go certified if possible...but I don't know about 2005 models. Use Carmax type dealers to compare prices. CarMax is a better place to sell than buy. Ask ...
by hudson
Mon Jun 29, 2009 7:12 pm
Forum: Personal Consumer Issues
Topic: Golf cart communities in the Southeast -- from DC to Florida
Replies: 20
Views: 17619

Badin, NC has a golf course...is a French built city...and allows Golf Carts. It's also on the Yadkin River...Badin Lake. A state park is nearby. It's in the Uwharrie Mountain Region. Prices are very reasonable.


http://www.badin.org/ord07_1.html
by hudson
Fri Jun 26, 2009 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Car loan. Suggestions? What to look for?
Replies: 6
Views: 1710

Pentagon Federal 3.99% You are eligible to join...for $20. Great credit card also... https://www.penfed.org/productsAndRates/loans/vehicleLoans/autoLoans.asp New Auto Loan Rates Untitled 2008/2009 Model Year 3.99% APR* 12 to 36 months less than $7,500 3.99% APR* 12 to 48 months $7,500 - $100,000 3.9...
by hudson
Sat Jun 20, 2009 12:10 pm
Forum: Investing - Theory, News & General
Topic: Interest rates of Stable Value funds?
Replies: 13
Views: 2893

Schwab Value Advantage Money SWVXX .0017 or .17%

http://finance.yahoo.com/q?s=SWVXX
by hudson
Thu Jun 18, 2009 7:23 pm
Forum: Personal Investments
Topic: Are bond funds less tax efficient than savings accounts?
Replies: 15
Views: 3671

It looks like both funds are equally safe and of equal duration. Short Term Federal has 13% GNMAs. Do your homework on GNMAs before buying the Short Term Federal. http://www.bogleheads.org/wiki/Mortgage_Backed_Securities https://personal.vanguard.com/us/funds/snapshot?FundId=0049&FundIntExt=INT#...
by hudson
Wed Jun 17, 2009 5:05 am
Forum: Personal Consumer Issues
Topic: Replacing water heater
Replies: 21
Views: 4520

A good source of information about water heaters:

http://www.terrylove.com/forums/forumdisplay.php?f=16
by hudson
Fri Jun 12, 2009 5:01 pm
Forum: Personal Investments
Topic: Bond allocation out of whack due to windfall
Replies: 24
Views: 3714

I don't know the answer...here are some thoughts...I'm sure they have already occured to you. What goes into bonds, stays in bonds. How much risk do you need to take? A dentist that wrote a book said, "Don't buy a boat...put it somewhere safe for 6 months or a year and study your options."...
by hudson
Wed Jun 10, 2009 3:58 pm
Forum: Investing - Theory, News & General
Topic: Used car pricing
Replies: 11
Views: 2446

Pick a car and do your homework from used car lots, classified adds and internet sources to get the approximate price. Tell the used car dealer that you've studied the market and you have a good feel for the price or value of the given car. The used car dealer likely has added 20% over his cost for ...
by hudson
Mon Jun 08, 2009 8:27 pm
Forum: Personal Consumer Issues
Topic: What happened to lobster prices?
Replies: 15
Views: 3393

Dartthrower...Phila..."Anyone know the current status? Would love to have a lobster fest this summer." Delivered to Philadelphia: (I used the zip code from my old home town Drexel Hill.) The total cost of 2 Chix (1.15 lbs ave.) lobsters shipped to zip code 19026 is $ 47.68. The total cost ...
by hudson
Mon Jun 08, 2009 4:26 pm
Forum: Personal Consumer Issues
Topic: Mountain bike - hard or soft tail?
Replies: 21
Views: 4211

bluto: "What kind of off-road riding will a hard tail bike stand up to?" A hard tail can take almost any kind of cross country...but your body can't. I rode one for years. The only problem was my body. My kidneys and prostate couldn't take the jarring. Go full suspension. Do your homework ...
by hudson
Mon Jun 08, 2009 4:35 am
Forum: Personal Consumer Issues
Topic: What happened to lobster prices?
Replies: 15
Views: 3393

http://www.st.nmfs.noaa.gov/st1/market_news/doc30.txt


I found this link on Google. I don't know how accurate it is.
by hudson
Sun Jun 07, 2009 6:57 am
Forum: Personal Consumer Issues
Topic: Car battery recommendations/slow power windows?
Replies: 35
Views: 10327

Vehicle Battery FAQ http://www.batteryfaq.org/ To go to the English FAQ, select the top link. To see a battery life expectancy graph for the US (From Interstate), select #7 and scroll down until you see a map of the US. It looks like battery owners in Cleveland get almost twice as much battery life ...
by hudson
Sat Jun 06, 2009 1:47 pm
Forum: Personal Investments
Topic: GNMA and the treasure yield
Replies: 8
Views: 2429

Livesoft: "Question: Which Vanguard fund had the highest 12-month return from June 1, 2008 through May 31, 2009?"

GNMA? https://personal.vanguard.com/us/funds/ ... torder=asc
by hudson
Fri Jun 05, 2009 1:17 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 or Honda CRV
Replies: 28
Views: 8317

minesweep: "So the ashtray ultimately became the deciding factor? Even though the Honda dealer may have lost the sale because of his remark, I must agree with him. " The RAV4 was my top choice because of the Toyota Tacoma that I bought in 2000....clearly a quality vehicle. I'm trying to du...
by hudson
Thu Jun 04, 2009 5:31 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 or Honda CRV
Replies: 28
Views: 8317

Kenester1: "It's a close call. " I looked at the CRV and RAV4 (both 09) in detail. Specifications of each were very close. I don't know how you can make 2 vehicles and get them so close. The 09 CRV's has the spare under the rear passenger compartment; the Rav4 has it on the door at the bac...
by hudson
Thu Jun 04, 2009 4:59 pm
Forum: Personal Consumer Issues
Topic: Boston Vacation
Replies: 31
Views: 7080

I asked my dad, a native of Boston, what was the best way to see Boston? he replied, "Take a tour." That's what we did. We got in one of those open trollies and got to see everything from the Swan Boats, to Cheers, to Old Ironsides. Once you've had the tour, you can decide what to investig...
by hudson
Wed Jun 03, 2009 11:12 pm
Forum: Personal Consumer Issues
Topic: Looking for a new car - experiences so far
Replies: 74
Views: 13006

oneleaf: "At what point do you think is a good time to really start making offers and trying to get their price down? I feel like once I do, I need to act on the actual purchase within a reasonable amount of time (like a week). Otherwise, if I take too long, the prices might change, and dealers...
by hudson
Tue Jun 02, 2009 5:03 pm
Forum: Personal Consumer Issues
Topic: Looking for a new car - experiences so far
Replies: 74
Views: 13006

gw: "Sounds like the key bit of advice is to email a bunch of dealers, as calcium recommended. " http://www.fightingchance.com/ The key pieces of advice are to get your expertly prepared bid proposals into the hands of the the new car sales managers of a number of dealers and to motivate t...
by hudson
Tue Jun 02, 2009 11:22 am
Forum: Personal Consumer Issues
Topic: Looking for a new car - experiences so far
Replies: 74
Views: 13006

Consider using James Bragg's technique when buying a new car. It worked for me.

http://www.fightingchance.com/

Read his book reviews on Amazon

http://www.amazon.ca/Buyers-Leasers-Neg ... 0375720677
by hudson
Fri May 29, 2009 7:24 am
Forum: Investing - Theory, News & General
Topic: Treasury Bond Ladders: Portfolio Size?
Replies: 8
Views: 2546

"Size" is a question that never entered my mind. Is that part of the question? muck53 How large should your portfolio be to do Treasury Bond Ladders inside of an IRA...if you want to minimize buying costs....at Vanguard. Or at what point would a treasury bond ladder be more efficient than ...
by hudson
Fri May 29, 2009 5:41 am
Forum: Investing - Theory, News & General
Topic: Treasury Bond Ladders: Portfolio Size?
Replies: 8
Views: 2546

Treasury Bond Ladders: Portfolio Size?

I keep reading that the best strategy is to buy individual bonds and hold them to maturity...in a bond ladder. At what level do investors go this route? If you are a beginning investor and you have 10K in a Roth IRA, I don't think this strategy applies. Does the strategy apply to investors with 50K,...
by hudson
Fri May 29, 2009 5:20 am
Forum: Investing - Theory, News & General
Topic: WSJ: TIPS (funds) Aren’t Perfect In Battling Inflation
Replies: 35
Views: 6410

Re: WSJ: TIPS (funds) Aren’t Perfect In Battling Inflation

LH: "How does one buy individual tips? It has to be in an IRA right? One does not want them exposed to taxes. Doesnt the expense of buying tips individually, eat up the cost of having tips? I have only about 15k of TIP fund, would it be worth it to me?" I have the same question. The answer...
by hudson
Wed May 27, 2009 6:13 pm
Forum: Personal Consumer Issues
Topic: Camcorders
Replies: 10
Views: 2870

Here's the short answer for a Windows XP user...a Mac is probably easier...but I don't know: Sanyo VPC-FH1BK Full 1080p HD Video for about $500; it outputs MP4 files you can put on your desktop and view with Apple Quicktime. Use Apple Quicktime PRO ($30) and export the MP4 file to an AVI file. The A...
by hudson
Wed May 27, 2009 3:42 am
Forum: Investing - Theory, News & General
Topic: Schwab S&P 500 Index Fund Lowers Expense Ratio to 0.09%
Replies: 1
Views: 1082

Schwab S&P 500 Index Fund Lowers Expense Ratio to 0.09%

I was checking the expense ratios of funds in my 401K since I hadn't looked in a while. I noticed that a number of funds added 12.b.1 fees. There was a pleasant surprise; the only index fund's expenses dropped from 0.36% to 0.09%. Yes, waivers are involved. That's comparable to Vanguard 500 Index Fu...
by hudson
Mon May 25, 2009 8:56 am
Forum: Investing - Theory, News & General
Topic: Vanguards AIG Annuities: Good deal, or risky?
Replies: 31
Views: 6470

http://www.fsdfinancial.com/State%20Gua ... ations.htm

"State Guaranty Laws & Provisions - Check with state insurance for most current! "
by hudson
Sat May 23, 2009 12:55 pm
Forum: Personal Consumer Issues
Topic: On dealing with having an outside Deck.......
Replies: 32
Views: 7235

I know what happens to a southern pine/pressure treated deck...in the sun most of the day in NC...if you do nothing to it. After about 15 years, you'll need to start replacing planks. From year 15 to 25, you'll replace about 20-30% of the planks. If you wait 30 years to replace all of the boards, yo...
by hudson
Thu May 21, 2009 5:26 pm
Forum: Investing - Theory, News & General
Topic: BankUnited, Largest bank failure of 2009 today
Replies: 9
Views: 2075

92irish: "great video piece done by 60 minutes in March."

13 Minute Video 60 Minutes:

http://www.cbsnews.com/video/watch/?id=4852631n


Written Story

http://www.cbsnews.com/stories/2009/03/ ... 8047.shtml
by hudson
Tue May 19, 2009 3:45 pm
Forum: Forum Issues and Administration
Topic: Difficulty in posting replies
Replies: 34
Views: 6708

I don't know the answer, but some things to try: 1. You probably already shut off your computer...all the way down and restarted it. 2. If you use Internet Explorer 7, go to TOOLS, INTERNET OPTIONS, DELETE, and delete the Temp files. If you have another browser or another version, post that informat...
by hudson
Sun May 17, 2009 10:56 am
Forum: Investing - Theory, News & General
Topic: WP: Bogle - Don't Count on your 401k
Replies: 47
Views: 7979

Age 66, $55000, Immediate Annuity quote today on Immediate Annuity dot Com. http://www.immediateannuities.com/

Result = $385 per month.
by hudson
Sat May 09, 2009 6:43 am
Forum: Personal Consumer Issues
Topic: New Navy Working Uniforms
Replies: 12
Views: 3913

by hudson
Tue May 05, 2009 5:49 am
Forum: Personal Investments
Topic: Are Muni bonds still safe?
Replies: 11
Views: 3334

There is a worry that buying individual munis from a broker can be a problem. Does Vanguard sell individual munis?
by hudson
Fri May 01, 2009 5:02 am
Forum: Personal Investments
Topic: Are Muni bonds still safe?
Replies: 11
Views: 3334

You're right not to trust your broker...but he needs your donations to pay for his kids' college. Larry S. says you should only buy AAA and AA. I don't know if Vanguard's brokerage sells individual munis. The Vanguard short and intermediate muni funds are heavy in AAA/AA. I like both funds. Larry sa...
by hudson
Tue Apr 28, 2009 5:02 am
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 17009

Valuethinker: >>" the kick, even on a .38 revolver, is significant. A .44 if you are not used to hit, is one hell of a hammer. The US Colt .45 is a hammer blow">> My experiences...with small hands. The 1911 45s that I've fired seem to rock up rather than back; they're fun to shoot. .38s se...
by hudson
Mon Apr 27, 2009 7:15 pm
Forum: Personal Investments
Topic: CDs over Bonds?
Replies: 20
Views: 4321

CaptMidnight: >>"Do you have a reference on that? I am surprised because it means that the NCUA is guaranteeing the market value of securities. I have a CD at another CU and they refer to it as a CD, not a money market certificate."<< from NCUA... http://www.ncua.gov/Publications/brochures...
by hudson
Mon Apr 27, 2009 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my car loan today?
Replies: 12
Views: 2126

nisiprius,

Can you make a "Get Out of Debt" rock?
by hudson
Mon Apr 27, 2009 5:22 am
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 17009

soonersundevil, I like a .22 and a brick. For learning and shooting, I would get a .22 single action revolver...maybe a Ruger New Model Super Single-Six .22 caliber. The advantage to the single action, is that you take one shot at a time. When you pull back the hammer, you hear the internals going c...
by hudson
Sun Apr 26, 2009 4:13 pm
Forum: Investing - Theory, News & General
Topic: Transfer from your crappy 401K after age 59.5
Replies: 39
Views: 7752

dbr: >>A key issue exists for those that live in one of the handful of states that severely limit asset protection of IRA's for claims NOT associated with bankruptcy. For such individuals it seems that roll-over of 401K to an IRA might be a bad idea.<< I'm not an expert in any way, but it appears th...
by hudson
Sun Apr 26, 2009 1:54 pm
Forum: Investing - Theory, News & General
Topic: Transfer from your crappy 401K after age 59.5
Replies: 39
Views: 7752

Taylor Larimore: >>* A 401K has better protection from creditors than most IRAs. << I would have never thought of that! Here's another thread discussing the safety of IRAs from creditors. http://www.bogleheads.org/forum/viewtopic.php?p=386981 And a link that I found in the above thread... http://www...
by hudson
Sun Apr 26, 2009 10:16 am
Forum: Investing - Theory, News & General
Topic: Transfer from your crappy 401K after age 59.5
Replies: 39
Views: 7752

Forbes... "Employers and 401(k) plan administrators don't advertise this fact, but most workers 59 and a half and older, and even some younger ones, can roll over 401(k) funds while they're still working and contributing to the plan. This option isn't right for everyone. But in some cases it ca...
by hudson
Sat Apr 25, 2009 8:30 am
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 587
Views: 143510

I live in the same 75 model house...since 75. I drive vehicles until they are worth under $1K....but usually buy new. I get food from a 1/6 acre garden...Troy Bilt Tiller...78 Model I just found and use a used book store. If I can't find what I want, I'll buy used from Amazon. For home use, I build ...
by hudson
Fri Apr 24, 2009 7:22 pm
Forum: Personal Investments
Topic: Investment Returns
Replies: 1
Views: 959

Thanks for posting the table!

http://www.callan.com/research/institut ... ee/311.pdf

Includes 2008
by hudson
Fri Apr 24, 2009 3:38 pm
Forum: Investing - Theory, News & General
Topic: TIPS versus short term certificate of depsoits
Replies: 42
Views: 8565

nisiprius >>At Vanguard, you need to have a brokerage account, which is separate from the account that holds Vanguard funds. If you call Vanguard and "I want to buy TIPS in my Roth" they ought to know that you can do this and ought to offer to set up a VBS account. But, don't worry about i...
by hudson
Thu Apr 23, 2009 6:12 pm
Forum: Personal Investments
Topic: Local munis vs. Vanguard Intermediate-Term Tax Exempt
Replies: 5
Views: 3281

johnoutk, I'm not an expert but I have the same questions as you and I've done some studying...Here is what I believe to be right. You have to be in the over $100,000 range or higher to get the right prices in individual munis. Even then, the seller can give you quite a haircut, and you'll never kno...
by hudson
Sun Apr 19, 2009 9:18 am
Forum: Investing - Theory, News & General
Topic: Prime Money Market Fund: What's Next?
Replies: 47
Views: 8093

Note: Sorry..this is way off the subject. Livesoft: >> Years ago, USAA gave me an extra $10 if I used my never-used credit card at last 3 times in the next 30 days. So on my next gas fill-up, I used my card and clicked once for 2 cents of gas. Then I got the receipt. Then I repeated 2 more times for...
by hudson
Sun Apr 19, 2009 6:32 am
Forum: Personal Consumer Issues
Topic: George Will on denim
Replies: 103
Views: 18067

I didn't know anyone thought that way about denim. If I could, I'd wear jeans 365 days a year. At work on Friday, we can wear jeans; I believe that my blood pressure and heart rate go down on Fridays...because of the jeans.
by hudson
Sun Apr 19, 2009 6:24 am
Forum: Investing - Theory, News & General
Topic: If you are holding a lot of cash on the sidelines, when
Replies: 44
Views: 7612

pitt76: >>When to get back in ?<< Just some thoughts... It sounds like you may need an asset allocation that is high in bonds...high quality short or intermediate term munis or treasuries. Others in this thread have said you need to have a plan...read diehard recommended books, keep following posts ...
by hudson
Fri Apr 17, 2009 2:34 pm
Forum: Investing - Theory, News & General
Topic: Best book on bonds & fixed income?
Replies: 10
Views: 4374

LarrySwedroe>>Thau's book is very good (though doesn't go into the details in terms of impact on portfolio risk, etc) and Marilyn Cohen's book is not bad for a beginner. Fabozzi's of course is good but much more for the professional<< Thau's Bond Book http://www.amazon.com/Bond-Book-Everything-Treas...