Search found 1396 matches

by SteveB3005
Mon Nov 05, 2012 3:20 pm
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 26401

Re: Is it time to install a whole-house generator?

^ Same deal on Smith Lake in Alabama, Cullman and Walker counties were tornado alley and power could be out for days at a time. It would go black and within minutes you would hear a hum carrying across the water from all points, there was no way those good ole boys were going to let them freezers go...
by SteveB3005
Mon Nov 05, 2012 1:51 pm
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 26401

Re: Is it time to install a whole-house generator?

^ Good story, thank you. I think it was a fine investment, 10k to be a hero in your family and neighbors eyes, you can't put a price on that partner!
by SteveB3005
Sun Nov 04, 2012 9:13 am
Forum: Personal Consumer Issues
Topic: Another Generator Question [How to minimize gas consumption]
Replies: 28
Views: 2858

Re: Another Generator Question

It's all about the freezer, once you have heat covered. If heat is not an issue running an hour every four or less can be adequate. Run the generator only long enough to keep the food frozen and make ice for the food in chest coolers. While the unit is running charge those phones and laptops. Genera...
by SteveB3005
Sun Nov 04, 2012 8:32 am
Forum: Investing - Help with Personal Investments
Topic: High Yield Corp Fund (VWEEHX)
Replies: 18
Views: 1377

Re: High Yield Corp Fund (VWEEHX)

If Rick Ferri likes them there has to be something to it. I'd only keep the fund in tax advantaged space and would strongly consider lowering my stock allocation percentage by half measure, to compensate for the risk change. Nothing comes without cost.
by SteveB3005
Sat Nov 03, 2012 7:07 pm
Forum: Investing - Theory, News & General
Topic: What is the TOTAL market?
Replies: 36
Views: 2578

Re: What is the TOTAL market?

Not your answer , but in the Total World Market sense, it's heavy to bonds as of 2010. World Capital Markets – Size of Global Stock and Bond Markets The table shows global bonds to be $157 Trillion out of the total $212 Trillion of capital stock (bonds and stocks) with stocks at $54 Trillion. That p...
by SteveB3005
Sat Nov 03, 2012 5:52 pm
Forum: Forum Issues and Administration
Topic: Welcome back, everyone!
Replies: 52
Views: 6265

Re: Welcome back, everyone!

Image
by SteveB3005
Sat Nov 03, 2012 7:06 am
Forum: Personal Consumer Issues
Topic: Is it time to install a whole-house generator?
Replies: 193
Views: 26401

Re: Is it time to install a whole-house generator?

I like the idea of having the fuel source on the property, whether it's propane or diesel. The natural gas option would seem to susceptible to interruptions just when you need it most.
by SteveB3005
Fri Nov 02, 2012 9:01 pm
Forum: Forum Issues and Administration
Topic: welcome home
Replies: 27
Views: 2857

Re: welcome home

Thank you and glad you're ok.
by SteveB3005
Fri Nov 02, 2012 8:44 pm
Forum: Personal Consumer Issues
Topic: Rebuilding deck - what material to use?
Replies: 48
Views: 13981

Re: Rebuilding deck - what material to use?

The board was a little bare, this looked like a good thread. Best wishes to everyone with a rebuilding project.
by SteveB3005
Fri Nov 02, 2012 8:41 pm
Forum: Forum Issues and Administration
Topic: Welcome back, everyone!
Replies: 52
Views: 6265

Re: Welcome back, everyone!

I've missed you all.
by SteveB3005
Wed Oct 17, 2012 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: My Bank Put Someone Else's Money In My Account
Replies: 28
Views: 10907

Re: My Bank Put Someone Else's Money In My Account

You think that takes brass, how about this. I go to use my Wells Fargo Visa and it's declined, I call and they say sorry we were unable to notify you quicker, but "there is a strong possibility your personal info has been compromised and the credit card was closed" and "We're not at liberty to discu...
by SteveB3005
Tue Oct 16, 2012 1:02 pm
Forum: Personal Consumer Issues
Topic: anyone ever have a front door replaced?
Replies: 32
Views: 4646

Re: anyone ever have a front door replaced?

^ Based upon my vast experience with the paranormal, I believe there is a leprechaun spirit trapped between the entry and storm doors of that house.
by SteveB3005
Fri Oct 12, 2012 4:56 pm
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 911

Re: SSFCU CD Rates

I've been a member for years and they are always in the hunt with their rates, money market accounts over 25k are now paying .45%. They are not big on bells and whistles, the online banking software is one step above DOS, but as long as the rates are good it's hard to complain too much.
by SteveB3005
Thu Oct 11, 2012 7:12 pm
Forum: Personal Consumer Issues
Topic: anyone ever have a front door replaced?
Replies: 32
Views: 4646

Re: anyone ever have a front door replaced?

Hang visquene or put the old door back in or what?

Just tell them what you want. Visqueen might be ok if you're out in the county somewhere, but in the city or burbs I'd think as a matter of course for a front entry they would cover it with plywood, and if not I'd stress it.
by SteveB3005
Thu Oct 11, 2012 6:49 am
Forum: Personal Consumer Issues
Topic: anyone ever have a front door replaced?
Replies: 32
Views: 4646

Re: anyone ever have a front door replaced?

.....you are simultaneously working in 3 dimensions.
Hanging larger doors is an art. I'd consider myself very handy, but this is a job I gladly pay to get done.
by SteveB3005
Mon Oct 08, 2012 7:52 pm
Forum: Forum Issues and Administration
Topic: *Sorry for asking* Is this forum biased?
Replies: 100
Views: 10272

Re: *Sorry for asking* Is this forum biased?

The bias here is truth. Everything gets poked and pinched, even the notables and fixtures get tested. So, yes.
by SteveB3005
Sun Oct 07, 2012 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: [Invest with Vanguard funds at] Charles Schwab
Replies: 2
Views: 570

Re: [Invest with Vanguard funds at] Charles Schwab

A couple of recent threads here and here turned a lot of ground on this topic and should provide enough input to make a decision. I commented in both and can't think of any more I'd add.
by SteveB3005
Sun Oct 07, 2012 8:56 am
Forum: Investing - Help with Personal Investments
Topic: To those that have bought a house..Are you happy?
Replies: 142
Views: 13195

Re: To those that have bought a house..Are you happy?

Very happy, I like being skipper. Combine that with a need to fix and tinker, I'm a natural born homeowner.
by SteveB3005
Wed Oct 03, 2012 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bill Gross article
Replies: 19
Views: 2927

Re: Bill Gross article

I like him, the man is a mover. The ultimate pitchman, he is perceived as the product itself, like P.T. Barnum was the circus. He's entertaining and most assuredly, a very smart dude.
by SteveB3005
Sun Sep 30, 2012 8:30 am
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11947

Re: Schwab slashes ETF fees

For those who are interested...... Index Universe article about Schwab cuts with some RF commentary RM Good little piece there, it got to the meat of it and had some nice quotes. Vanguard spokesman Dave Hoffman: "If it is a loss leader for them, we just wouldn’t be pulled into that,” and “We would ...
by SteveB3005
Fri Sep 28, 2012 9:42 am
Forum: Investing - Help with Personal Investments
Topic: International Indexing via Schwab ETFs
Replies: 8
Views: 2237

Re: International Indexing via Schwab ETFs

Code: Select all

   74%  Schwab International Equity ETF™ SCHF
    3%  Schwab International Small-Cap Equity ETF™ SCHC
   23%  Schwab Emerging Markets Equity ETF™ SCHE
  ----
  100%
34...26...26
05...04...03
01...01...00

and this is fine too.
by SteveB3005
Fri Sep 28, 2012 9:30 am
Forum: Investing - Help with Personal Investments
Topic: International Indexing via Schwab ETFs
Replies: 8
Views: 2237

Re: International Indexing via Schwab ETFs

VXUS
28...26...25
07...05...05
02...01...01
...............and has 23% emerging


3/5 SCHF, 1/5 SCHC, 1/5 SCHE
28...22...22
08...07...06
03...02...02
...............and has 20% emerging


Looks pretty close to me.
by SteveB3005
Thu Sep 27, 2012 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: International Indexing via Schwab ETFs
Replies: 8
Views: 2237

Re: International Indexing via Schwab ETFs

SCHF = VEA......3/5
SCHC = VSS......1/5
SCHE = VWO.....1/5

The end result of this would be close enough, I'd imagine.
by SteveB3005
Thu Sep 27, 2012 10:14 am
Forum: Personal Consumer Issues
Topic: 1.Instrument rentals 2.Credit freeze
Replies: 14
Views: 1643

Re: 1.Instrument rentals 2.Credit freeze

Put down a deposit on the sax equal to it's value and I bet they will drop the SSN number requirement. For them it's about having recourse to attack your credit if you skip with or damage the sax. What's a decent alto sax run these days, $1500-$1800
by SteveB3005
Wed Sep 26, 2012 11:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11947

Re: Schwab slashes ETF fees

Karamatsu wrote: I'm trying to understand what sort of "moral" advantage people are ascribing to Vanguard... why, by virtue of some aspect of their organization, we should trust them more than a company whose books we can (partially) see. To be honest, for me it's the everday low prices and no gimm...
by SteveB3005
Wed Sep 26, 2012 4:41 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11947

Re: Schwab slashes ETF fees

Jerilynn, If the question is posed to me, I'm not sure the Vanguard Group Inc. would release that info since they are a private company. I would think upper management pay would be in line with others in the industry, maybe somewhat lower as they seem to promote from within and not headhunt. Again, ...
by SteveB3005
Wed Sep 26, 2012 9:29 am
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11947

Re: Schwab slashes ETF fees

Maybe the question is aimed at the term 'non-profit'. Which doesn't mean people work for free, just that theoretically any excess is returned to the fund. Say like Easter Seals or March of Dimes, admin and expenses get paid and the rest goes into the donated kitty for disbursement.
by SteveB3005
Tue Sep 25, 2012 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard ETF's
Replies: 3
Views: 791

Re: Schwab vs Vanguard ETF's

Okay, now that you've had time to read through that other thread, you see that it really doesn't matter all that much whether it's Vanguard or Schwab. If it's portfolio advice you're looking for, you may want to put it in an easier format for others to comment on. This thread will help you with that...
by SteveB3005
Tue Sep 25, 2012 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard ETF's
Replies: 3
Views: 791

Re: Schwab vs Vanguard ETF's

A big active thread going right now on this very topic. Have you seen this one? http://www.bogleheads.org/forum/viewtop ... st=1498185
by SteveB3005
Tue Sep 25, 2012 1:40 pm
Forum: Investing - Theory, News & General
Topic: I will stay the course and stay safe
Replies: 49
Views: 3796

Re: I will stay the course and stay safe

That was Mr. Bogle trying to get around you so he'd be home when you got there for dinner.
by SteveB3005
Sun Sep 23, 2012 9:05 am
Forum: Investing - Theory, News & General
Topic: Good threads from 2008???
Replies: 13
Views: 2225

Re: Good threads from 2008???

You've got twelve pages of 'Plan B' action in this Dec 29, 2008 thread.

"Maximum Tolerable Loss" -- Not just a fear factor
by SteveB3005
Sun Sep 23, 2012 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Soliciting Swensen haters. Also G fund as Tbond substitute?
Replies: 25
Views: 3088

Re: Soliciting Swensen haters. Also G fund as Tbond substitu

Swensen has a great message on diversity and the highest quality bonds, it's a great strategy, flat out. However, in this climate and if it's fresh money being contributed, I would be more inclined to take Dr. Bernsteins advice of high quality short term fixed instruments. At least until nominals an...
by SteveB3005
Sat Sep 22, 2012 7:17 am
Forum: Investing - Theory, News & General
Topic: How Many Mutual Funds Do You Own?
Replies: 95
Views: 5063

Re: How Many Mutual Funds Do You Own?

5 equity and 5 bond
by SteveB3005
Fri Sep 21, 2012 10:21 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21357

Re: Most underrated band of all time [that you listen to]?

The Carpenters, 'Close to You' album is ranked 175th of the 500 Greatest Albums by Rolling Stone. Paraphrasing from my copy, it says they epitomized the early seventies and that some of those early ballads like 'Close to You' and 'We've Only Just Begun' we're influential in much later indie music. E...
by SteveB3005
Fri Sep 21, 2012 8:52 am
Forum: Investing - Theory, News & General
Topic: A fundamental flaw in cap-weighted index investing???
Replies: 3
Views: 475

Re: A fundamental flaw in cap-weighted index investing???

I worry more about the Yellowstone Caldera blowing, to tell the truth. There will always be people who think they or somebody they're paying , can predict the future.
by SteveB3005
Thu Sep 20, 2012 11:00 pm
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 4443

Re: What's your favorite online source for news?

1) BBC
2) Boulder Daily Camera online and Sunday newsstand
3) ESPN

Of the big networks I like NBC online, my opening page is BBC. Yahoo news was always gaudy, but lately it's the National Enquirer with misleading titles and circus act stories.
by SteveB3005
Thu Sep 20, 2012 9:54 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11947

Re: Schwab slashes ETF fees

Crazy low prices, an ER of $40 per 100k on the Broad Mkt doesn't cover postage for those literature mailing fools. I've had a Simple IRA there for ages and have opted for paperless for everything I know of and they still find reasons to mail me piles of stuff.
by SteveB3005
Wed Sep 19, 2012 8:42 am
Forum: Personal Consumer Issues
Topic: How Do You Tune It Out?
Replies: 46
Views: 3558

Re: How Do You Tune It Out?

I And I always make sure to check the BBC news website which I think is more likely to give a different view than yet another US-based site. Yes, this is how I tend to get my world news. I think it's just a natural tendency to overplay when it's up close, a less dramatic perspective on USA issues h...
by SteveB3005
Tue Sep 18, 2012 8:13 pm
Forum: Personal Consumer Issues
Topic: The "if you like that music, check this out" thread
Replies: 18
Views: 1410

Re: The "if you like that music, check this out" thread

If you like Boston, you might also like Yes and Emerson, Lake and Palmer.
by SteveB3005
Tue Sep 18, 2012 7:30 pm
Forum: Personal Consumer Issues
Topic: How Do You Tune It Out?
Replies: 46
Views: 3558

Re: How Do You Tune It Out?

On the financial things I try to read very little that is predictive, that stuff is clutter and it's not going to turn out like they said anyway.
by SteveB3005
Tue Sep 18, 2012 11:25 am
Forum: Personal Consumer Issues
Topic: The "if you like that music, check this out" thread
Replies: 18
Views: 1410

Re: The "if you like that music, check this out" thread

This one is kind of neat, Music Bloodlines. The link is Muddy Waters, but do a search on whomever. A lot of good biographical stuff and discography on thousands of artists.
by SteveB3005
Tue Sep 18, 2012 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 93
Views: 16182

Re: Did you retire before normal retirement age?

Sold half of a business and retired at 44, the wife and I got a place on a large lake in north Alabama, fished nearly everyday for four years and got sober along the way. Went back to the business and took on an active role again eight years ago. The break was nice and I'm better off for it, but I f...
by SteveB3005
Mon Sep 17, 2012 11:12 pm
Forum: Personal Consumer Issues
Topic: Warm places abroad to go to for Christmas week?
Replies: 25
Views: 2517

Re: Warm places abroad to go to for Christmas week?

climber2020 wrote: If you go, watch out for missing manhole covers in Panama City. People steal them to sell for scrap metal, and it'll really mess up your rental car if you hit one of those manholes.
That is now burned into my memory, excellent driving tip there!
by SteveB3005
Mon Sep 17, 2012 5:14 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21357

Re: Most underrated band of all time [that you listen to]?

Looks like we've run out of underrated bands.
by SteveB3005
Sun Sep 16, 2012 10:40 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21357

Re: Most underrated band of all time [that you listen to]?

Hmmm, so where do my picks fall? The Velvet Underground and Ramones never had a hit single and didn't make gold on an album till years later, but are revered today.
by SteveB3005
Sun Sep 16, 2012 10:22 pm
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 21357

Re: Most underrated band of all time [that you listen to]?

How do we define underrated?

Low commercial success in relation to high peer respect and critical acclaim. That's what I used for my two picks.
by SteveB3005
Sun Sep 16, 2012 3:53 pm
Forum: Forum Issues and Administration
Topic: Consumer Forum Reopened
Replies: 48
Views: 7506

Re: Consumer Forum Reopened

I think the deciding factor on those type threads is they don't ask a question or give guidance on an answer.
by SteveB3005
Sun Sep 16, 2012 3:00 pm
Forum: Forum Issues and Administration
Topic: Welcome new Advisory Board members
Replies: 16
Views: 3039

Re: Welcome new Advisory Board members

nisi, grabiner, and Taylor are excellent selections, glad they accepted. Long live the Bogleheads!
by SteveB3005
Sat Sep 15, 2012 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund selection in 401k
Replies: 11
Views: 813

Re: Help with bond fund selection in 401k

PIMCO Total Return CL A (PTTAX) - (er=0.85%) They seem to beat the AGG year in and out even with the drag of a high ER. Their holdings will often vary greatly from the benchmark, but volatility has not been much different. I scratch my head as many do in wonderment as to how Gross does it, but he do...
by SteveB3005
Sat Sep 15, 2012 10:11 am
Forum: Personal Consumer Issues
Topic: One hit wonder (Albums)
Replies: 68
Views: 4365

Re: One hit wonder (Albums)

Fire and Water by Free and the song is All Right Now . Had it on LP and wore it out in the 70's and found it on vinyl again a couple of months ago. This is a very solid rockin' blues album with excellent guitar work by teen phenom Paul Kossoff and vocal frontman Paul Rodgers. Side two with Mr. Big, ...