Search found 1043 matches

by killjoy2012
Thu Aug 08, 2013 6:21 pm
Forum: Personal Consumer Issues
Topic: Negotiating on a price for heating/ac installation
Replies: 38
Views: 16693

Re: Negotiating on a price for heating/ac installation

I would strongly suggest listening carefully to the advice that wageoghe provided in this thread. The only change I would make to his advice is that instead of insisting that the contractor perform a Manual J, use that as one of your down selection criteria. In other words, you shouldn't have to tel...
by killjoy2012
Sun Aug 04, 2013 2:02 pm
Forum: Investing - Theory, News & General
Topic: Euro currency question
Replies: 13
Views: 992

Re: Euro currency question

The dollar has strengthened against the Euro. Europe is expensive in part because of the hidden VAT tax which runs about 20%. It takes about a $1.30 to buy a Euro. At one time it took almost $1.50 to buy a Euro. So even now, your money when converted to Euros and spent in Europe just doesn't seem t...
by killjoy2012
Sun Aug 04, 2013 10:42 am
Forum: Investing - Theory, News & General
Topic: Euro currency question
Replies: 13
Views: 992

Re: Euro currency question

Well, regarding the exchange rate, the ~$2T in US Quantitative Easing over the past ~4 years doesn't help matters. To put that in perspective, the entire annual GDP of Greece is only ~$200B. When a government prints money out of thin air, it should be no surprise that those dollars are worth less co...
by killjoy2012
Thu Jul 11, 2013 10:12 am
Forum: Personal Consumer Issues
Topic: Problems with AC tripping the electrical breaker need advice
Replies: 14
Views: 1736

Re: Problems with AC tripping the electrical breaker need ad

Sounds like a bad connection -- bulb, socket or switch -- and the vibration from the washer is causing it to flicker. Yes, probably a bad/loose neutral connection somewhere between the receptacle and the panel. Without seeing it, another question would be is whether the washer is a 15A or 20A branc...
by killjoy2012
Sat Jun 29, 2013 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are no foreign purchase fees on credit cards a scam?
Replies: 16
Views: 5012

Re: Are no foreign purchase fees on credit cards a scam?

I agree, CapitalOne has always given me very competitive exchange rates. I don't have historical data to prove it to you, but I always compare the exchange rate my Credit Union gave me throughout the trip for ATM withdraws vs. the exchange rate per cc purchase, and they were always extremely close. ...
by killjoy2012
Fri Apr 19, 2013 11:20 pm
Forum: Personal Consumer Issues
Topic: Exchanging USD to GBP
Replies: 13
Views: 1327

Re: Exchanging USD to GBP

I've traveled to at least a dozen countries in the last 5 years, and I've always just used an ATM at the destination to get local currency. Never an issue, conversion rate has been the bank's daily rate, etc. I have a couple travel friends who don't feel comfortable flying out of the US without some...
by killjoy2012
Mon Apr 15, 2013 10:03 pm
Forum: Personal Consumer Issues
Topic: Going to London
Replies: 26
Views: 3110

Re: Going to London

I've had two short visits to London. I'd second the recommendation to use TripAdvisor to plan a daily itinerary, hotels, transportation, etc. Even if you have a week in London, you won't be able to do everything - need to prioritize based on what you're interested in. London is also a very expensive...
by killjoy2012
Wed Apr 10, 2013 9:31 pm
Forum: Personal Consumer Issues
Topic: Digital camera with best video
Replies: 11
Views: 1855

Re: Digital camera with best video

If you're looking to save money and are not that picky about picture quality, I would ask if you've looked at smartphone lately? I'd venture a bet that an iPhone or Android can pretty much do what you're looking for in term of pictures & video, plus a whole lot more. Smartphones don't have the best ...
by killjoy2012
Tue Apr 09, 2013 11:42 am
Forum: Personal Consumer Issues
Topic: A Dilemma About Waist Sizes For Pants
Replies: 79
Views: 12911

Re: A Dilemma About Waist Sizes For Pants

Congrats on the weight loss. As previously mentioned, a good tailor is the answer to your "size 35" quest. Ideally, the 36 would be close to fitting well and the tailor can just "take in" the waist, etc. It's generally not that expensive, <$10 to have the waist changed.... but can get more expensive...
by killjoy2012
Sat Apr 06, 2013 11:12 am
Forum: Personal Consumer Issues
Topic: car rental problems [in Europe]
Replies: 47
Views: 3935

Re: car rental problems [in Europe]

I've never rented in Germany, but Auto Europe has always treated me right & provided a fair deal. They're also pretty good about spelling out all charges up front so there's no surprises. http://www.autoeurope.com Winterization Fee: Approximately EUR 17.00, per day, VAT included, paid locally maximu...
by killjoy2012
Tue Apr 02, 2013 12:57 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 5888

Re: Buying a car for my daughter

BMW makes a good product, but I think anyone that has owned one will tell you that maintenance costs are above average & that they are very expensive to repair. At 11 years old, even with low mileage, you're going to be facing a lot of both in coming years - probably reversing the value proposition ...
by killjoy2012
Fri Mar 29, 2013 9:04 am
Forum: Personal Consumer Issues
Topic: flushing hot water heater
Replies: 18
Views: 2322

Re: flushing hot water heater

It may be too late, but I would also check your anode rod to see if it needs replaced.
by killjoy2012
Fri Mar 22, 2013 9:15 am
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 8701

Re: europe trip

Anyone have experience with planning a trip completely by yourself versus going with a tour company and what you would recommend? Most of my travel in the past has been either through student organizations or tour companies, but for the first time I fee like I want to plan this Ireland trip as oppo...
by killjoy2012
Tue Mar 19, 2013 1:41 pm
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 5575

Re: Broke New Doctor Needs New Car! How?

1. I would take any advice on this forum in high regard no matter the subject. Automotive forums are full of snake oil and butt dynos. Bogleheads are mostly likely to select vehicles that return the lowest cost of ownership, providing lower maintenance (reliability) and operational cost. 2. I don't...
by killjoy2012
Tue Mar 19, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Telecommute Question
Replies: 5
Views: 1317

Re: Telecommute Question

I think there's a lot of different strategies for "winning the game". I too work in IT. I too like to WFH when I can. Besides what previous people have said (namely that mid-large companies will do compensation adjustment for your permanent WFH location), I think the other 'cost' is that your lack o...
by killjoy2012
Tue Mar 19, 2013 12:53 pm
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 5575

Re: Broke New Doctor Needs New Car! How?

Some general guidance - just my opinion: - I worry about some of the advice here being penny-wise, pound-foolish. It's easy to say go with a $2k beater... until it breaks down and makes you late to work (aggravating your bosses), possibly multiple times over a relatively short time span. I don't car...
by killjoy2012
Fri Mar 15, 2013 10:18 am
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Metro Chapter - Grand Opening
Replies: 27
Views: 4554

Re: Detroit Metro Chapter - Grand Opening

I'd be interested in getting involved too. Royal Oak.
by killjoy2012
Wed Mar 06, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: Extension Ladder
Replies: 21
Views: 7690

Re: Extension Ladder

Werner fiberglass is the way to go. 24' is the most common and generally priced the best. And I would also recommend the 300lb rated one. I bought just this ladder myself last year. D6224-2. And it's significantly cheaper at Home Depot vs. Amazon BTW. http://www.homedepot.com/p/t/100659877?catalogId...
by killjoy2012
Sun Feb 24, 2013 11:59 pm
Forum: Personal Consumer Issues
Topic: Air compressor
Replies: 10
Views: 1196

Re: Air compressor

+1 to what everyone else has said. If all you're going to ever use it for is finish & framing nailers, then a small pancake compressor will work fine, save you some $, saves storage space, and is very portable. Personally, I like to wrench on cars, motorcycles, ATVs as a hobby, so I stepped up to a ...
by killjoy2012
Wed Feb 06, 2013 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Reality Check my TSM Approximation
Replies: 2
Views: 347

Reality Check my TSM Approximation

Guys - quick question, just need some validation. I've developed a new AA and I'm currently working on executing the various "reshuffling" required to get the right holdings in the right accounts. One of my challenges is that I need to move some of my Vanguard TSM (VTI) holdings that are currently i...
by killjoy2012
Fri Feb 01, 2013 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over post-tax 401k money to a Roth
Replies: 8
Views: 1788

Re: Rolling over post-tax 401k money to a Roth

For what it's worth (not much).... I'm classified as a HCE in my mega-company's 401k plan. As such they limit me to 10% pre-tax, 2% post-tax (not Roth, but just 2% non-deductible contributions to the 401k). The plan administrator is Fidelity, and they told me that I can roll that 2% directly into an...
by killjoy2012
Thu Jan 24, 2013 9:17 pm
Forum: Personal Consumer Issues
Topic: [Living in] London vs. New York
Replies: 28
Views: 4147

Re: London vs. New York

I've never lived in either city, but I have visited both for extended periods and I would pick London without a doubt. Cost of living is higher, and I have no clue how the taxes compare... but ultimately it should come down to what you personally want out of life... not whether you're going to save ...
by killjoy2012
Thu Jan 24, 2013 12:21 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms
Replies: 16
Views: 4268

Re: Smoke Alarms

I would strongly suggest you research, or ask the professionals, what the local building & electrical codes are in your specific area. You have the NEC (2002, 2008 or 2011 versions... and you need to know which version your city follows) and Residential Building Codes, but then it's also common for ...
by killjoy2012
Tue Jan 15, 2013 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: I have a chip on my shoulder, but not in my card!
Replies: 113
Views: 16136

Re: I have a chip on my shoulder, but not in my card!

PenFed is now giving the option to get a chip & pin card when you apply (no additional cost). Just got a cash rewards visa from them that has a chip If you get a chance to use it in Europe, please report back on how it went. I already have a PenFed Visa, so this may be a convenient option to upgrad...
by killjoy2012
Wed Jan 09, 2013 4:04 pm
Forum: Investing - Theory, News & General
Topic: Good idea to rollover 401k to roth ira if income drops?
Replies: 11
Views: 2810

Re: Good idea to rollover 401k to roth ira if income drops?

Assuming you're terminating employment when you take leave, I would simply move your entire 401k into your own Rollover IRA. It won't cost you anything, it cuts ties with your old employer, and you'll likely have better/more/cheaper investment options wherever you move it to. Then, once all of the m...
by killjoy2012
Sun Jan 06, 2013 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1513

Re: Quick Tax Efficiency Question: VSS vs. VTI

livesoft wrote:I know what VFSUX is, but not VSUX.
Sorry, it's been a long weekend of book/forum/wiki reading, AA planning and staring at spreadsheets. I meant VXUS. Updated my post above.
by killjoy2012
Sun Jan 06, 2013 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1513

Re: Quick Tax Efficiency Question: VSS vs. VTI

Thanks for the replies. At least I feel better knowing that this wasn't a "no brainer" decision and I wasn't just off in la-la land for many hours today missing the rationale. So, for now, I'm taking away that it's about a coin flip as to which placement is better. Probably slightly more efficient t...
by killjoy2012
Sun Jan 06, 2013 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1513

Re: Quick Tax Efficiency Question: VSS vs. VTI

Thanks - I'll call them in the morning. Pretty small $. I'd be looking at buying ~$24k of VSS. Another item on my to-do list this week is to make a decision on where to be open a taxable account for ~$100k (my first taxable investment acct.). Was leaning towards a VG taxable MF account to keep thing...
by killjoy2012
Sun Jan 06, 2013 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1513

Re: Quick Tax Efficiency Question: VSS vs. VTI

I just looked through the Vanguard site - I'm happy to do some work, but pulling some of those historical distribution #s may be difficult. Another thought. If I do want VSS in tax-advantaged, it would have to be in my IRA (VG Mutual Fund acct) and would have to be as the mutual fund - VFSVX - and I...
by killjoy2012
Sun Jan 06, 2013 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Tax Efficiency Question: VSS vs. VTI
Replies: 17
Views: 1513

Quick Tax Efficiency Question: VSS vs. VTI

Guys - quick question. I'm working on updating my Investment Plan that involves these funds/ETFs on the equity side: VTI, VBR, VXUS, VSS, VWO & VNQ. Among those 6 funds, which should be placed in taxable to be the most tax efficient approach? I've read & followed the wiki article. My debate is speci...
by killjoy2012
Fri Jan 04, 2013 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

The free transactions at Wells Fargo require linking with the PMA checking account. That account has a monthly fee unless your total assets exceed 50k (includes 10% of mortgage) in most states. Wells Fargo is apparently eliminating the free transactions for new customers beginning in April. It's no...
by killjoy2012
Fri Jan 04, 2013 11:36 am
Forum: Personal Consumer Issues
Topic: Home Furnace: Brand Recommendations
Replies: 36
Views: 6812

Re: Home Furnace: Brand Recommendations

For the money I like Rheem/Ruud. Don't get caught up by brand names, though--find a good reputable installer. Do your homework. All the major brands have equipment to adequately meet your needs...if they are properly spec'd and installed. You might want to check out http://hvac-talk.com/vbb/forum.p...
by killjoy2012
Thu Jan 03, 2013 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

OK Guys - two more questions.... 1) I need a taxable investment account to be able to execute my plan, but I don't have one today. I was considering opening one with TD Ameritrade since if I move my HSA to HSA Bank, they use TDA for their investment option. But I also just read on their website that...
by killjoy2012
Sun Dec 30, 2012 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move from upstate NY to Los Angeles, CA?
Replies: 64
Views: 6663

Re: Should I move from upstate NY to Los Angeles, CA?

I think you first need to decide what's the higher priority... work or family? If work, then yes, I would strongly consider making the move. I work in IT & almost made a move from a major city in the Midwest to San Francisco/San Jose in 2009... and based on my research at the time, I figured I neede...
by killjoy2012
Sun Dec 30, 2012 11:13 am
Forum: Personal Consumer Issues
Topic: Vista to Window 7 or 8?
Replies: 66
Views: 4143

Re: Vista to Window 7 or 8?

Go with Windows 7. Windows 8 is really designed for tablets & touch screen all-in-ones. I installed the Win8 RC on a spare laptop I had & couldn't stand it & basically came to the conclusion that Win8 makes no sense outside of the touch screen world.
by killjoy2012
Wed Dec 26, 2012 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

not offering advice but where can I learn how to make a spreadsheet like yours? It's not that hard. Just mock up whatever you want in Excel, then copy all of the cells and paste into either MS Paint or Photoshop. Save as a JPG picture file. The harder part is that you then need an Internet website/...
by killjoy2012
Mon Dec 24, 2012 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

Thanks for the advice guys... Would I take out a $32,000 loan on the house to invest in the markets if your house were paid off or is that too much risk? Some would. I just did (well more than that). Brian Yes, I went through this same debate a year ago. I owed 60k on the house still, almost halfway...
by killjoy2012
Mon Dec 24, 2012 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

Ok, the reason I asked is I always worry when people say they have a large cash position and have been waiting to market time, yet claim they want a fairly risky allocation. I wonder if people like that have actually invested through a 50-60% market drawdown or if they are deluding themselves. It d...
by killjoy2012
Mon Dec 24, 2012 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Re: Portfolio Review - Advice Would Be Appreciated!

1. I think I bonds are good they give you inflation protection, more tax advantaged space and piece of mind( and would put some of that emergency fund in there as you can) 2. I would forget Tips to I got older(build up I bonds instead) 3. There is nothing wrong with tilt but if you do stay the cour...
by killjoy2012
Sun Dec 23, 2012 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Advice Would Be Appreciated!
Replies: 18
Views: 2332

Portfolio Review - Advice Would Be Appreciated!

Hi Everyone - long time lurker, but this is one of my first posts. I've been doing a lot of reading of forum posts, wiki and some books, but I still feel I only know enough to be dangerous... not the expert, so I'm asking for your guidance here. I'm spending a couple days over this holiday break to ...
by killjoy2012
Fri Nov 30, 2012 9:41 pm
Forum: Personal Consumer Issues
Topic: To go or not to go - family trip to Europe
Replies: 81
Views: 6409

Re: To go or not to go - family trip to Europe

Lots of good advice already given, so I won't write a novel here. But, when you figure that airfare alone will be ~$1200pp & 2 days spent flying, I wouldn't go for anything less than 10 days to try and get the "per day" value out of the airfare. And 10 days in Europe for $800 to cover everything els...
by killjoy2012
Thu Sep 27, 2012 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5179

Re: Apple Computers & Laptops

My thoughts related to Apple are they appear to be a great company historically and produce quality products. It really depends on how long your memory is. Apple products weren't anything special in the 1980's & 90's, and I would even argue that the PC & Microsoft almost drove Apple out of existenc...
by killjoy2012
Wed Sep 26, 2012 5:54 pm
Forum: Personal Consumer Issues
Topic: Metro Detroiters, classy bachelor party dinner venue?
Replies: 7
Views: 1222

Re: Metro Detroiters, classy bachelor party dinner venue?

$100pp isn't much when you consider alcohol & group gratuity. A step up from Chili's? Cheli's Chili Bar right by Comerica Park. http://www.chelischilibar.com/detroit/home.html Union Street Saloon up by the DMC. http://www.unionstreetdetroit.com Any of the Greektown restaurants: Fishbones, Pegasus, P...