Search found 87 matches

by PacNorWest
Fri Aug 31, 2012 8:51 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 22514

Re: Your Favorite [Travel Destination] on Earth: Where and

Patagonia.
Why? Certainly not because of comfort. But because of it's purest water, air, raw beauty and power.
There's something about its' elemental nature.
by PacNorWest
Tue Aug 28, 2012 3:29 pm
Forum: Personal Consumer Issues
Topic: TV commercial volume reduction device
Replies: 20
Views: 3246

Re: TV commercial volume reduction device

Do not all the DVR devices require some type of subscription service?
by PacNorWest
Mon Aug 27, 2012 1:37 pm
Forum: Personal Consumer Issues
Topic: TV commercial volume reduction device
Replies: 20
Views: 3246

Re: TV commercial volume reduction device

@dual
Sometimes the commercials have something that interest me.
Occasionally I find an amusing commercial that I don't mind watching.

@Rob5TCP
Wow! Thank you. . .
by PacNorWest
Sat Aug 25, 2012 9:49 pm
Forum: Investing - Theory, News & General
Topic: why has an ounce of gold bought a suit?
Replies: 47
Views: 6450

Re: why has an ounce of gold bought a suit?

I discussed that question with my financial advisor. He wears a nice suit when he has to make a first impression. A good suit would let you socialize with men in $2000 dollar suits and not feel inadequate. The JC Penny suits for, what? - a hundred dollars? They look good on the rack and may look goo...
by PacNorWest
Sat Aug 25, 2012 9:55 am
Forum: Personal Investments
Topic: Any Experience with this Financial Advisor
Replies: 33
Views: 4613

Re: Any Experience with this Financial Advisor

Yes. Eat the food but not their story. You owe them nothing. Dinners and breakfasts are commonly offered by financial advisors (both individuals and firms). Go to at least three different advisors presentations - commit to none. They ALL will be willing to talk to you at any time. The financial plan...
by PacNorWest
Sat Aug 25, 2012 9:36 am
Forum: Personal Consumer Issues
Topic: Air Purifier Recommendation?
Replies: 21
Views: 2423

Re: Air Purifier Recommendation?

Look for a "HEPA" style filter as these are the best at removing particulate matter - find that Walmart, Costco, Target, etc if in the US.
Odors are a different issue and need to be corrected at their source.
by PacNorWest
Sat Aug 25, 2012 8:36 am
Forum: Personal Consumer Issues
Topic: TV commercial volume reduction device
Replies: 20
Views: 3246

Re: TV commercial volume reduction device

This might help a little: FCC Tells Advertisers to Calm Down - Lowers the Volume on Commercial Breaks Jim It shouldn't take an Act of Congress. This is an age of smart devices. Is there not a TV set that can be programmed to detect and lower volume to 5, 10, 20% of the set volume during commercials...
by PacNorWest
Fri Aug 24, 2012 2:04 pm
Forum: Personal Investments
Topic: Shifting 401ks? Market Timing for "Fiscal Cliff"...
Replies: 9
Views: 1256

Re: Shifting 401ks? Market Timing for "Fiscal Cliff"...

To appease the feeling that I should do something, I've moved 30 percent of "at risk" money into money markets.
That's 3% of net worth.
by PacNorWest
Sun Aug 19, 2012 11:23 am
Forum: Personal Consumer Issues
Topic: Getting rid of rootkits
Replies: 47
Views: 8964

Re: Getting rid of rootkits

Re-installing the operating system is a last resort but may be you're best bet.
That or upgrading to a new operating system.

From there on, avoid file sharing, chat rooms, etc. which are well known sources of infection.
by PacNorWest
Thu Aug 16, 2012 7:25 pm
Forum: Personal Consumer Issues
Topic: Seattle trip suggestions
Replies: 27
Views: 4323

Re: Seattle trip suggestions

The public ferry to Bainbridge island is a good idea.
Or you might like this one: http://www.clippervacations.com/ferry/s ... njuanferry
Either one would be easy with a one year old.
by PacNorWest
Thu Aug 16, 2012 9:27 am
Forum: Investing - Theory, News & General
Topic: Where to put money for ~10 years if you don't like bonds?
Replies: 45
Views: 6449

Re: Where to put money for ~10 years if you don't like bonds

Greetings. I believe that we are in the financial doldrums much as Japan has been for many years. We've just experienced a "near-miss" in terms of planetary impact sized economic disaster (2008). Until we can sell our homes without taking an economic beating, this economy as a whole isn't ...
by PacNorWest
Sun Aug 12, 2012 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Why not use black tarps to protect roof?
Replies: 58
Views: 18530

Re: Why not use black tarps to protect roof?

You can also get camouflage tarps to help blend into surrounding landscape.
Your first night in bed listening to wind flapping tarps might change your mind though.
by PacNorWest
Thu Aug 09, 2012 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Started in Rentals
Replies: 21
Views: 3091

Re: Getting Started in Rentals

We got lucky. Our first rental was/is a duplex in a neighborhood of single family homes. That has since become our criteria when it comes to location. So. . .good luck in finding one like that. . .most duplex/fourplex units tend to be built in zoning areas where you find nothing else but multifamily...
by PacNorWest
Wed Aug 08, 2012 8:59 am
Forum: Personal Consumer Issues
Topic: truck owners [gas or diesel?]
Replies: 31
Views: 3219

Re: truck owners [gas or diesel?]

Gas. And make it a 250/2500 3/4 ton. The half ton trucks are woefully under strength when it comes to hauling a load of bricks home. Tires are their weak point when it comes to hauling. Resale value too. . .lots of 150 class trucks out there. The diesel engine will outlive you. Other truck component...
by PacNorWest
Tue Aug 07, 2012 4:49 pm
Forum: Personal Consumer Issues
Topic: truck owners [gas or diesel?]
Replies: 31
Views: 3219

Re: truck owners

Diesels are overpriced and you don't need one given your original post. Diesel soot will soon be re-classified as carcinogenic (based on research information released today) which you will probably be reading soon in the news. Can you please provide a link or referenced to this information? Thanks ...
by PacNorWest
Mon Aug 06, 2012 8:10 pm
Forum: Investing - Theory, News & General
Topic: How many/how do Bogleheads use advisors?
Replies: 36
Views: 4650

Re: How many/how do Bogleheads use advisors?

I use two advisers and see what each has to comment on the other's recommendations.
by PacNorWest
Mon Aug 06, 2012 8:02 pm
Forum: Personal Consumer Issues
Topic: truck owners [gas or diesel?]
Replies: 31
Views: 3219

Re: truck owners

Diesels are overpriced and you don't need one given your original post.
Diesel soot will soon be re-classified as carcinogenic (based on research information released today) which you will probably be reading soon in the news.
by PacNorWest
Wed Aug 01, 2012 11:02 pm
Forum: Personal Investments
Topic: In Pursuit of a Simple Free Life
Replies: 6
Views: 1810

Re: In Pursuit of a Simple Free Life

Once you get to a place where you have more time on your hands, you can then devote more time to figuring out answers to all those questions.
Time is an ingredient for many things. Time to think. Time to heal. Time to calm.
Find some and use it wisely.
by PacNorWest
Tue Jul 31, 2012 3:41 pm
Forum: Personal Investments
Topic: Which Vanguard Funds are best for monthly income?
Replies: 23
Views: 14591

Re: Which Vanguard Funds are best for monthly income?

Thanks everyone. It's easy to get overwhelmed with information but all this was good. Annuities have their place, but are not very liquid. . .sorry, I left that requirement out. I found the https://personal.vanguard.com/us/funds/vanguard/ManagedPayoutList web page. Looking closely at the pop up wind...
by PacNorWest
Tue Jul 31, 2012 12:33 pm
Forum: Personal Investments
Topic: Which Vanguard Funds are best for monthly income?
Replies: 23
Views: 14591

Which Vanguard Funds are best for monthly income?

We need a little more monthly cash income. The money would be used to eat out once a week instead of ALWAYS eating at home. With 100K in Vanguard, what would be the best Vanguard funds to invest it in to produce a modest monthly income stream? Caveat #1; We'd like to know that the fund(s) could enjo...
by PacNorWest
Wed Jul 11, 2012 9:12 am
Forum: Personal Consumer Issues
Topic: Any bogleheads have a franchise?
Replies: 18
Views: 3803

Re: Any bogleheads have a franchise?

Yes, I purchased a franchise many years ago. Once I was in the business I found that I could do better on my own. Fortunately, I formed the business in an adjoining county - not my home turf - which was against the franchiser's rules and a mistake on the part of their salesman. It was through that e...
by PacNorWest
Wed Jun 06, 2012 6:29 pm
Forum: Personal Investments
Topic: Legal Question - Ameriprise Annuity
Replies: 34
Views: 9524

Re: Legal Question - Ameriprise Annuity

Contact the SEC - it's been a few years since I had a problem with Vanguard and after complaining to the SEC, Vanguard straightened out their mess.
(It was a misunderstanding on Vanguard's part.)
by PacNorWest
Tue Nov 22, 2011 5:07 pm
Forum: Personal Investments
Topic: Calling all Real Estate Buffs
Replies: 17
Views: 1723

Re: Calling all Real Estate Buffs

I bought a bank owned property - after the purchase offer was submitted the bank responded with tons of stipulations - among them one stipulation said that I intended to live in the property and that I would not resell it within a period of time - under a penalty of $5000 dollars. Not the banks idea...
by PacNorWest
Tue Nov 22, 2011 1:30 pm
Forum: Personal Consumer Issues
Topic: Temperature for vacant house?
Replies: 20
Views: 17704

Re: Temperature for vacant house?

I was renting a place once and when I moved out, the landlord told me to set the thermostat for 50 degrees (at least that is what I remember). This was in mid-winter. I heard that about a month later, her house was wrecked from a broken pipe. My assumption is that when I moved out and had the elect...
by PacNorWest
Tue Nov 22, 2011 9:23 am
Forum: Personal Consumer Issues
Topic: Temperature for vacant house?
Replies: 20
Views: 17704

Re: Temperature for vacant house?

That question should be directed to your insurance agent.
A broken water pipe can cause tremendous damage in a short time.
by PacNorWest
Sun Nov 20, 2011 7:22 pm
Forum: Personal Consumer Issues
Topic: Buying a new TV
Replies: 66
Views: 6736

Re: Buying a new TV

The plasma screen will make a noticeable impact on your electric bill if you run it all the time. 700 watts - almost a like a toaster left on.
by PacNorWest
Wed Nov 16, 2011 9:56 am
Forum: Personal Consumer Issues
Topic: When To Upgrade To A New Computer
Replies: 39
Views: 3921

Re: When To Upgrade To A New Computer

It will make an impressive uptick in speed and performance if you upgrade to 2 MB of memory and add a 7200 rpm hard disk drive. There's plenty of YouTube videos to show how to do it. That should extend the useful life of the machine another two years or so. . . I did that. About two years after the ...
by PacNorWest
Sat Nov 12, 2011 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Huge windfall, should I pay off house?
Replies: 33
Views: 4496

Re: Huge windfall, should I pay off house?

The key word here is "financial advisers". Financial advisors are compensated based on your investable assets; fee-only advisors usually collect a percentage of the investments they manage, and commission-based advisors collect a commission only on purchases. If you pay $137K on the mortg...
by PacNorWest
Sat Nov 12, 2011 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Huge windfall, should I pay off house?
Replies: 33
Views: 4496

Re: Huge windfall, should I pay off house?

I'm in a similar situation. . .have windfall cash and would like to pay off 137K at 5% I have two financial advisers - both advise against paying off house since there are many investment vehicles that can return 6.5 to 7 percent. However, I don't see any investment with the security of a property t...
by PacNorWest
Thu Jul 21, 2011 2:42 pm
Forum: Personal Investments
Topic: How to convert funds accounts into cash flow?
Replies: 7
Views: 1156

Re: How to convert funds accounts into cash flow?

I think you should consider Vanguard Wellesley Income Fund - Admiral Shares, and/or Vanguard Target Retirement Income. Both funds pay dividends quarterly. The dividend amount will fluctuate, so if you're looking for a guaranteed amount each month/quarter these funds are not for you. If you can live...
by PacNorWest
Thu Jul 21, 2011 11:02 am
Forum: Personal Investments
Topic: How to convert funds accounts into cash flow?
Replies: 7
Views: 1156

How to convert funds accounts into cash flow?

We've got 260K in eight assorted non-qualified Vanguard funds and we are puzzled as to how to convert those assets into a monthly cash flow. Other investments allow us to live without those Vanguard assets working for us, but life would be just "getting by". Ages are 64 & 55 So, we'd l...
by PacNorWest
Mon May 30, 2011 11:43 am
Forum: Personal Investments
Topic: Gold coin/bullion IRS reporting
Replies: 32
Views: 4367

If you sell the coin at a gold dealer and they file a 1099, then yes, it will be a taxable event.
But gold is an object just like a chrome rims or a butter knife.
Would you pay capital gains on them?
by PacNorWest
Mon May 30, 2011 10:54 am
Forum: Personal Finance (Not Investing)
Topic: from a wall street journal article on fees
Replies: 10
Views: 1918

retiredjg:
Thank you. . .I never would have sorted my way through that mess without your help.
by PacNorWest
Sun Mar 14, 2010 8:31 pm
Forum: Personal Investments
Topic: Index Investing in Africa?
Replies: 17
Views: 2663

Take a look, this might satisfy your inquisitiveness:
$ZADOW:Dow Jones Global Indexes
by PacNorWest
Tue Feb 23, 2010 10:16 am
Forum: Personal Investments
Topic: Personal transaction data - Vangaurd
Replies: 6
Views: 1983

Gee, I remember seeing a link within Vanguard to show 9 years worth of data.
Have you seen that?