Search found 118 matches

by blood_donor
Fri Dec 28, 2007 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Laphroaig
Replies: 16
Views: 4438

Grouse is my "everday" scotch drink of choice. I hear it is the most popular scotch in Scotland. Macallan 12 is more to my taste, and if you want to be in tall cotton the 18, all the way! Glenlivit 18 is also pretty good. I tend to like the highland scotch, with a speyside tilt! My congratulations t...
by blood_donor
Fri Dec 28, 2007 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Laphroaig
Replies: 16
Views: 4438

Laphroaig

A friend poured me a taste of Laphroaig 10 year old scotch today. Wow. You know the "liquid smoke" you can get to add to dishes to make them smoky? Laphroaig is like "liquid peat". It smells and tastes like peat smoke infused into distilled malt. Now, at first, I thought it was disgusting. But then,...
by blood_donor
Thu Dec 27, 2007 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car Topic: Manual or Auto?
Replies: 45
Views: 9863

Another reason to go with a manual: I find it tends to keep my attention on driving, and keeps me from eating cheeseburgers in the car, etc.
by blood_donor
Tue Dec 18, 2007 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: American Express blue card - accepted everywhere?
Replies: 7
Views: 5343

Re: American Express blue card - accepted everywhere?

According to your web page, the limit is $300, not $3,000 for cash back on that card. I just got an American Express blue card. I was planning for this to be my main credit card. I was wondering if people found that many places don't accept American Express or was it accepted in the large majority o...
by blood_donor
Sun Dec 16, 2007 9:00 pm
Forum: Personal Consumer Issues
Topic: Windows vs. Linux: Questions from a Beginner
Replies: 66
Views: 15978

How about a Mac?

MacOS is now running a Unix-like core. It is stable, easy to use, pretty to look at, etc. You can run Windows in dual boot or virtualization to use old Windows programs like Quicken.
by blood_donor
Sun Dec 16, 2007 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Roku Soundbridge
Replies: 5
Views: 1564

Roku Soundbridge

I just bought one of these and installed it, and it is one of the slickest gadgets I have ever owned, right up there with the iPod IMHO. This is a $150 box (er, cylinder) that streams music from your PC/Mac/Linux box over ethernet or WiFi. It has a display and remote, so you can be sitting in your l...
by blood_donor
Sat Dec 01, 2007 7:02 pm
Forum: Personal Investments
Topic: Low cost refinance?
Replies: 6
Views: 1606

Re: Website for Mortgage Info

blood_donor, This website might have some useful information for you: The Mortgage Professor's Website --Pete Thanks, that is a great web site. It seems that refinancing at this point would only save me money if I can stay in the condo for a longer time frame than I want to, so I may just have to s...
by blood_donor
Sat Dec 01, 2007 6:32 pm
Forum: Personal Investments
Topic: Low cost refinance?
Replies: 6
Views: 1606

RatRace wrote:What happens if the next loan is bought by Citi again?
I'd be pissed. I suppose I could try to borrow from a local institution, but there is never a guarantee.
by blood_donor
Sat Dec 01, 2007 6:31 pm
Forum: Personal Investments
Topic: Low cost refinance?
Replies: 6
Views: 1606

Re: huh?

I'm totally confused. Caribou is owned by an Islamic bank..so what? If you like their coffee drink it. So does your hatred of Islam extend to not purchasing any oil since clearly we know where that money ends up going? I don't hate Islam. I don't want my money to help perpetuate Sharia law. I also ...
by blood_donor
Sat Dec 01, 2007 3:57 pm
Forum: Personal Investments
Topic: Low cost refinance?
Replies: 6
Views: 1606

Low cost refinance?

My mortgage, formerly serviced by ABN-AMRO, was purchased by Citigroup. Now, I hear that Citigroup, which already had as a major shareholder a Saudi prince, has sold even more of itself to Abu Dhabi (UAE). For largely political and personal reasons, I find this deeply distasteful (I don't buy Caribo...
by blood_donor
Fri Nov 30, 2007 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Market timing - car buying
Replies: 19
Views: 4374

All, I am able to offer any of my Boglehead friends a free x-plan "friends and family" discount for a Ford/Lincoln/Mercury/Mazda/Volvo/Land Rover/Jaguar product. This will save you lots of money on a purchase or lease; it is a low "no haggle" price which is typically dealer cost + 3% - incentives an...
by blood_donor
Thu Nov 15, 2007 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: One Laptop Per Child's give-one-get-one is off and running..
Replies: 29
Views: 6854

Third world kids, like the ones in Nigeria, don't need laptops. They need clean water, rule of law, enough to eat. They need books and paper and pencils. They need libraries. The libraries can have shared computers for everyone to use, so a $2000 machine can serve 20 kids or more.. I have no proble...
by blood_donor
Thu Nov 15, 2007 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: One Laptop Per Child's give-one-get-one is off and running..
Replies: 29
Views: 6854

N. Negroponte, who dreamed this thing up, has always had some strange ideas. Third world kids, like the ones in Nigeria, don't need laptops. They need clean water, rule of law, enough to eat. They need books and paper and pencils. They need libraries. The libraries can have shared computers for ever...
by blood_donor
Thu Nov 15, 2007 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com
Replies: 0
Views: 737

Mint.com

Anyone tried www.mint.com? I put a couple of my credit card accounts into it, and it seems pretty good, but there are a few glaring deficiencies.

No way to use Mint's interface to pay bills
No brokerage account support
by blood_donor
Fri Nov 09, 2007 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any Bourbon drinkers here?
Replies: 33
Views: 8823

I have recently tried:

Ezra B 12 year single barrel, very smooth
Knob Creek, has a little bit of a woody bite to it (cut it with water)
Makers Mark

I like the "old" bourbons, 9 years +, they have a smoother character than the less expensive "young" bourbons.
by blood_donor
Mon Nov 05, 2007 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Munch Fund
Replies: 18
Views: 5014

Mr. Man,

Two Questions:

1) Can you please make this into a portfolio online somewhere, so we can all track it with glee?

2) Are you currently or have you previously been a member of the Lollypop Guild?
by blood_donor
Tue Oct 16, 2007 8:49 am
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

Offer still open!

Ford, Mazda, Volvo, Land Rover, Jaguar, Lincoln, Mercury. Save $$$,
by blood_donor
Sun Oct 14, 2007 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Highly addictive free game
Replies: 1
Views: 1164

Highly addictive free game

Warning! This game is extremely addictive.

(FYI, I managed to get to wave 450 so far)

http://onslaught.playr.co.uk/
by blood_donor
Sat Sep 22, 2007 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Online backup: Carbonite? Mozy?
Replies: 53
Views: 8631

Online backup: Carbonite? Mozy?

I have been using Carbonite's free trial, and so far it seems pretty good. Carbonite and Mozy are online backup services that copy all of your documents onto their remote servers; then if your system crashes or your house floods, you won't lose data. Anyone have experience with either one? To do the...
by blood_donor
Wed Sep 05, 2007 9:35 am
Forum: Investing - Theory, News & General
Topic: Used Car Buying Tactic: Reverse Auction
Replies: 9
Views: 2538

Buy-and-hold is great, but on many models depreciation can be very good for you. The cars I am shopping, BTW, are corporate fleet cars which will have been maintained (not rental cars). That is why they are scattered around--my local dealers didn't have any. CarFax is very very powerful! blood_donor...
by blood_donor
Wed Sep 05, 2007 7:00 am
Forum: Investing - Theory, News & General
Topic: Used Car Buying Tactic: Reverse Auction
Replies: 9
Views: 2538

Used Car Buying Tactic: Reverse Auction

I am shopping for a used car, and I have decided to use a reverse auction format to see if I can drive the asking prices down without haggling too much. I identified 5 cars I would be interested in, all basically the same model. I made a spreadsheet which showed the VIN#, mileage, major options, KBB...
by blood_donor
Tue Sep 04, 2007 9:47 pm
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

Re: Free Ford x-plan for y'all

Ah, but the buying service costs you money too. X-plan is free. X-plan is a no-haggle price which is a nice discount from MSRP (I think it is dealer cost + 3%). All incentives and special offers still apply. By using an online buying service, I've had dealers offer to order me a car for $100 above i...
by blood_donor
Tue Sep 04, 2007 9:23 pm
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

Re: Nice Offer

Marco, You are over-analyzing this a bit, I think. Special discounts are a way for the company to "grab" certain customers, to help with market share, or build loyalty. For example, some MI university employees get x-plan discounts, much as they get discounts on Microsoft. Are Microsoft and Apple to...
by blood_donor
Tue Sep 04, 2007 10:36 am
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

Re: incentives

It has been my understanding that employee discounts are unrelated to other incentives. You can get both. That's different than some rebate offers where indeed you may have to pick low finance rates or a rebate. I did once buy a car that included both the low rate and a rebate. Paying cash would no...
by blood_donor
Tue Sep 04, 2007 8:35 am
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

snoopdoug1 wrote:Awesome... I'll probably be in the market for a car in the next 6 mo or so, how long are the discounts good for? :)
Once issued, a PIN is good for 1 year.
by blood_donor
Mon Sep 03, 2007 10:53 pm
Forum: Investing - Theory, News & General
Topic: How did you pay for your last car?
Replies: 54
Views: 30538

I'm a Ford employee. If anyone here would consider buying a Ford, Lincoln, Mercury, Land Rover, Jaguar, Mazda, or Volvo vehicle, I would be happy to offer a x-plan discount.
by blood_donor
Mon Sep 03, 2007 8:59 pm
Forum: Investing - Theory, News & General
Topic: Free Ford x-plan for y'all
Replies: 23
Views: 6948

Free Ford x-plan for y'all

I am a Ford employee, and as such, I am encouraged to give X-Plan discounts to my friends and neighbors. So if any of you are in the market for a new car (buy or lease), and would consider a Ford, Lincoln, Mercury, Volvo, Land Rover, Jaguar, or Mazda, I would be happy to sign you up for an employee ...
by blood_donor
Mon Sep 03, 2007 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: [poll] ethical dilemma: ...best buy DVD player (closure!)
Replies: 35
Views: 9298

Re: I like option B

B) buy a new identical machine, put in the old one that they certified to be ‘working perfectly’ and bring it back as a return. i get a new machine that works, plus no add’l $. they get their ‘perfect machine’ back. I've done this with Coleman air mattresses that have repeatedly developed leaks jus...
by blood_donor
Sat Sep 01, 2007 10:56 pm
Forum: Personal Investments
Topic: Car Loan Strategy
Replies: 33
Views: 8151

1) Agree 2) Not necessarily; in my example I have money ready to go 3) Agree 4) Agree 5) That's crazy, you had better insure a $15,000 car! 6) I'm not sold on this one. You have a mortgage on your house, you still are a homeowner. 7-10) interesting Top 10 reasons to pay cash for a car 1) The car sel...
by blood_donor
Sat Sep 01, 2007 6:05 pm
Forum: Personal Investments
Topic: Car Loan Strategy
Replies: 33
Views: 8151

Car Loan Strategy

I had an argument with a relative about whether it was better to save then buy a car outright vs finance it. I'm in the "pay it now" school, he is in the "pay it later" school. My scenario: you have $15,000 which you could spend on a car, or do something else with. You want a $15,000 car (think used...
by blood_donor
Sat Sep 01, 2007 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Craiglist Rocks! Sold car in 3 days!
Replies: 15
Views: 5126

Craiglist Rocks! Sold car in 3 days!

I decided to sell my jalopy (1998 Volvo S70, 130,000mi). Before escalating to AutoTrader or eBay, I thought I would try Craigslist. So I put up a basic ad, with no pictures even.

1st day--one phone call, one email.
2nd day--two phone calls
3rd day--test drive, sold.

Cost to me? $0.00

:o
by blood_donor
Wed Aug 29, 2007 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lance Corporal B.
Replies: 5
Views: 2002

Lance Corporal B.

A friend of my brother's is an enlisted squad leader in the U.S. Marines. I'll call him B. B. started as an MP, and pulled guard duty at Guantanamo Bay, Cuba, guarding the infamous "enemy combatants" captured from Afghanistan and Iraq. The inmates are so dangerous that the guards don't carry weapons...
by blood_donor
Sun Aug 26, 2007 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: what do you drive? conservative or spendy?
Replies: 99
Views: 40264

Also, driver death rates increase rapidly as you go below about 3000# vehicle weight. I haven't seen this study. Can you give a source? Here is a nice paper that discusses risk of SUVs vs Cars. See page 11-13 for some charts. http://eetd.lbl.gov/ea/teepa/pdf/LBNL-55417.pdf Here is the IIHS Status R...
by blood_donor
Sun Aug 26, 2007 8:44 pm
Forum: Investing - Theory, News & General
Topic: Jack Hough: SmartMoney Stupidity
Replies: 10
Views: 4316

Jack Hough: SmartMoney Stupidity

Jack Hough, in the current SmartMoney, claims that investors should pick small portfolios of stocks as a way to boost return, that diversification is over-rated. Full article http://www.smartmoney.com/sturmscreen/index.cfm?story=september2007 He starts by trashing EMT: There's just one problem: It d...
by blood_donor
Sun Aug 26, 2007 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: what do you drive? conservative or spendy?
Replies: 99
Views: 40264

It occurred to me a couple months ago that I was driving a $12,000 car back and forth to work, averaging 22mpg. It's out of warranty. I'm married, have no need to impress the chicks, and never have coworkers in it. What exactly is this car doing for me that a $3000 econo box couldn't? So I sold it ...
by blood_donor
Sun Aug 26, 2007 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Scotch?
Replies: 62
Views: 22784

I quit drinking years ago. I probably save $1000 a year. I am healthier and happier. But to each his own. There is Drinking, and there is Enjoying. I think if you add up all of the liquor I consume in a year, it would total less than $200, on average. Alcohol in moderation is actually good for you.
by blood_donor
Mon Aug 20, 2007 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help me buy a bare bones laptop
Replies: 31
Views: 9551

Careful with the battery!

Pick the up-graded battery option. One way they make cheap laptops cheap is to skimp on the battery--you'll find you can only run it for 1 hour before it is out on the skimpy entry level battery packs. Also, the number one slower-downer of cheap laptops is the 4200RPM hard drives. Pay for a faster h...
by blood_donor
Mon Aug 20, 2007 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: OT-Which National Parks to visit?
Replies: 34
Views: 10439

Arches!!!
I also really like RMNP.
by blood_donor
Wed Aug 15, 2007 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant.com + eBay = Cheap Eats?
Replies: 8
Views: 2596

greg24 wrote:I just read an article somewhere that selling gift cards online is a new way to launder money. So you may get what you pay for, but its sort of dirty money.
I saw the article about using pre-paid Visa cards, but I hadn't heard about using gift certificates to restaurants! How would this work?
by blood_donor
Wed Aug 15, 2007 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant.com + eBay = Cheap Eats?
Replies: 8
Views: 2596

Restaurant.com + eBay = Cheap Eats?

There are folks on eBay selling Restaurant.com gift certificates for ~25c on the dollar ($25 for $100 or $12 for $50). Then you can buy coupons on Restaurant.com at $10 for $25 or $3 for $10. Doing the math, that's about $2.50 for $25, or a 90% discount!

Has anyone used the Restaurant.com coupons?
by blood_donor
Tue Aug 14, 2007 11:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article: "Small Investors...Nailed by Arcane Trades
Replies: 8
Views: 2571

WSJ Article: "Small Investors...Nailed by Arcane Trades

WSJ has an excellent front page article about small investors getting nailed by "arcane trades". Some excellent cautionary tales here. By day, Brian Abbott is a doctor at a cancer institute in Great Falls, Mont. In his off hours, he invests with borrowed money, shorts stocks and has taken a complex ...
by blood_donor
Tue Aug 14, 2007 12:30 pm
Forum: Investing - Theory, News & General
Topic: Bullied by a Fidelity rep! Grrrr
Replies: 31
Views: 9514

The Fidelity office in my area has been nothing but helpful, and they did not try to push anything on me... maybe you had a bad apple?
by blood_donor
Mon Aug 13, 2007 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Online banking
Replies: 3
Views: 1555

Look into Wells Fargo or Bank Of America, as they offer free stock/mutual fund trades as a perk.
by blood_donor
Mon Aug 13, 2007 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mp3 Player Recommendations
Replies: 15
Views: 3774

Creative Zen

Get a Creative Zen flash based player. More features (FM radio, recorder) than an equivalent Apple iPod for less money. I have a Zen V Plus and I am quite happy with it.
by blood_donor
Mon Aug 13, 2007 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mac or PC for elderly technophobe
Replies: 5
Views: 1919

Mac all the way. I am a Windows guy but I bought my mom a Mac because I thought it would be easier for her to figure out. I can't imagine trying to explain spyware, viruses, network shares, and all that other crap to her. The Mac just plain works.
by blood_donor
Mon Aug 13, 2007 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Scotch?
Replies: 62
Views: 22784

What's all the fuss about a single malt scotch? The only scotch I've had was Johnnie Walker, and I was told that it was a very good scotch, but there is hardly a mention of Johnnie Walker on this thread. Is it because JW is a blended scotch? From the looks of things, single malt is almost always pr...
by blood_donor
Sun Aug 12, 2007 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: On emigrating to Canada...
Replies: 16
Views: 4839

I have relatives who are Canadian. When the come here, they gripe about high taxes. When my great-aunt needed a hip replacement, she had to wait quite a long time (months) to be scheduled for an operation; the whole time she could barely walk and was in quite a bit of pain. From my limited experienc...
by blood_donor
Sun Aug 12, 2007 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good Deal @ Target on USB Flash Drive
Replies: 0
Views: 897

Good Deal @ Target on USB Flash Drive

Heads up:

Target has the Imation 2GB USB flash drive w/carabiner on sale for $19, which at just over $8/GB is an excellent price.
by blood_donor
Sat Aug 11, 2007 12:34 pm
Forum: Personal Investments
Topic: How to Choose ETFs?
Replies: 10
Views: 2584

Holy cow! The Amish are buying ETF's now, too? This is one hot fad!!! Seriously, my answer is: low management costs, reputable issuer, relatively large size. In other words, Vanguard and Barclays mostly, maybe some SSGA. Also, avoid all the little boutique ETFs that target narrow sectors like Chines...
by blood_donor
Sat Aug 11, 2007 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: how much to spend on an engagement ring?
Replies: 190
Views: 80942

Guys! We're Bogleheads!!! The evil thing about diamonds is that there is a huge spread between buying new and buying secondary market. Just try to re-sell a "new" diamond to a dealer--he'll offer you 50% to 60% max. Buy a "used" stone from eBay, or Craigslist, or a friend or relative. Have it checke...