Search found 719 matches

by Midpack
Wed Dec 21, 2011 10:19 am
Forum: Personal Consumer Issues
Topic: Who is your favorite classical composer?
Replies: 85
Views: 6666

Re: Who is your favorite classical composer?

Picking one is impossible, prob Beethoven if pressed. All my favs have already been mentioned except one, added below:

Beethoven
Brahms
Handel
Haydn
Mozart
Prokofiev
Sibelius
Tchaikovsky
Vivaldi
by Midpack
Tue Dec 20, 2011 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 9650

Re: Owning a used jalopy: Same cost as leasing brand car.

Anyone who knows anything about cars will tell you this is complete NONSENSE. I don't have any opinion about the accuracy of your statement, but any time the phrase "anyone who knows anything about ..." is used my skepticism filter goes on high alert. It's probably not the best rhetorical...
by Midpack
Mon Dec 19, 2011 1:35 pm
Forum: Investing - Theory, News & General
Topic: Are you a member of a Investment Club??
Replies: 18
Views: 1823

Re: Are you a member of a Investment Club??

Here's a pretty good story from the WSJ about the Beardston Ladies' Investment Club and whatever-happened-to-them. Remember them? http://online.wsj.com/public/article/SB114596682916135186-_HV3IgzQzLBmKCXMfG0Dgd02fNA_20060517.html That was a fun ride, everyone got sucked in, but it ended badly - as ...
by Midpack
Sun Dec 18, 2011 4:38 pm
Forum: Investing - Theory, News & General
Topic: Are you a member of a Investment Club??
Replies: 18
Views: 1823

Re: Are you a member of a Investment Club??

Based on employee suggestions, I offered to form an investment club at work and bought the NAIC materials. About 15 employees joined and seemed excited about it. No one wanted to lead, so I ended up doing it, I had already been an active investor for more than 10 years. We had one outspoken member w...
by Midpack
Fri Dec 16, 2011 4:43 pm
Forum: Personal Investments
Topic: How are our investments so far?
Replies: 4
Views: 541

Re: How are our investments so far?

You may well get replies, but here is the recommended format http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 . You may get better results if you edit your original post above using this format. Everyone here realizes new members are probably unaware of the suggested format at the outset...
by Midpack
Tue Dec 13, 2011 5:51 pm
Forum: Investing - Theory, News & General
Topic: My thought on William Bengen's article
Replies: 31
Views: 3070

Re: My thought on Bentgen's article

Nicely written, appropriately diplomatic while still providing an alternative (correct IMO) view. I was very surprised when I originally read Bengen's article, I thought to myself 'this can't be the same guy who wrote about 4% SWR' but indeed it is! Just finishing The Only Guide...Right Financial Pl...
by Midpack
Mon Dec 12, 2011 1:10 pm
Forum: Personal Consumer Issues
Topic: Camera buffs: 1st high-end camera for DW?
Replies: 45
Views: 4443

Re: Camera buffs: 1st high-end camera for DW?

And you mention low light preferable. Most photographers want better low light performance, but there's no inexpensive way around that. It takes specialized, expensive lenses to get good low light pics. So I'd confirm that one, it's a costly capability for a DSLR. This is wrong. If he gets an SLR, ...
by Midpack
Mon Dec 12, 2011 12:37 pm
Forum: Personal Consumer Issues
Topic: The High Price of Materialism
Replies: 51
Views: 5886

Re: The High Price of Materialism

Let's assume for a second that you can quantify happiness. The fact that people who are materialistic tend to be less happy doesn't mean that materialism causes unhappiness. In fact, it's more likely to be the other way around. I'm sure many people who are otherwise unhappy (the root problem) go ou...
by Midpack
Mon Dec 12, 2011 12:24 pm
Forum: Investing - Theory, News & General
Topic: I just want to say four words to you
Replies: 18
Views: 2306

Re: I just want to say four words to you

leo383 wrote:That is the hope, isn't it; that 2-3 billion more middle class will come online, and we can sell them stuff.
It'll be a challenge as the EM's become even more capable themselves, and you can bet they will (are). Hard to know if Designed in California, Made in China is a sustainable business model.
by Midpack
Mon Dec 12, 2011 12:20 pm
Forum: Personal Consumer Issues
Topic: Camera buffs: 1st high-end camera for DW?
Replies: 45
Views: 4443

Re: Camera buffs: 1st high-end camera for DW?

Your intentions are wonderful. I have a D90 and I love it. But picking a DSLR for even someone you know well, sounds dangerous to me. Better left for her to decide exactly which camera. And I'm curious what she does with her pics? If she prints them in larger sizes, a high end DSLR will facilitate t...
by Midpack
Mon Dec 12, 2011 10:19 am
Forum: Personal Consumer Issues
Topic: The High Price of Materialism
Replies: 51
Views: 5886

Re: The High Price of Materialism

Thanks, I enjoyed the video including the "green" aspects, though I think the emptiness of materialism as a source of happiness (epidemic in the US) point can be made even without the "green." The most important things in life aren't things . Some people never seem to grasp this...
by Midpack
Sun Dec 11, 2011 11:47 am
Forum: Personal Consumer Issues
Topic: Buying something you would call "crazy"
Replies: 41
Views: 2740

Re: Buying something you would call "crazy"

I know I am the only one not focusing on cars, but the question is about buying something for fun that is expensive that your wife may not want to spend the money on. So I will, once again, not talk about cars. Would you buy a cabin in the woods for $100,000 if you thought it would be fun but your ...
by Midpack
Sun Dec 11, 2011 9:23 am
Forum: Personal Consumer Issues
Topic: Buying something you would call "crazy"
Replies: 41
Views: 2740

Re: Buying something you would call "crazy"

I agree with your wife, but it's a lesson you have to come to on your own. We've owned BMW's and Audi's because we thought we "deserved" it and could afford it. Now that I'm older and could even more easily afford it, I wouldn't dream of buying any luxury car. I don't care about impressing...
by Midpack
Sat Dec 10, 2011 6:47 pm
Forum: Personal Consumer Issues
Topic: Did we make a bad decision on new flooring?
Replies: 25
Views: 7160

Re: Did we make a bad decision on new flooring?

Did you go go with laminate over true hardwood flooring because its supposed to be cheaper?...or do you just prefer laminate? Hardwoods will have better resale for your house. I'm sure prices fluctuate regionally, but we just ripped up carpet and put down hardwoods in our family room. It's about 50...
by Midpack
Sat Dec 10, 2011 5:31 pm
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 12473

Re: What's the most overrated book you've read?

OutOfCyan wrote:The Seven Habits of Highly Effective People
+1. Me too...
by Midpack
Fri Dec 09, 2011 4:58 pm
Forum: Personal Consumer Issues
Topic: The Term "SUV"
Replies: 45
Views: 3802

Re: The Term "SUV"

Why not a wagon? [*] Because wagons aren't cool. I always got a laugh out of people that would say something like "I would never drive a station wagon" yet they drove a SUV which is basically a station wagon with bigger tires. Sure they are. Take a wagon, give it a little more road height...
by Midpack
Fri Dec 09, 2011 10:04 am
Forum: Personal Consumer Issues
Topic: Advice needed on buying a camcorder!
Replies: 20
Views: 1128

Re: Advice needed on buying a camcorder!

I appreciate the discussion and all the good advice. I bought a new SLR camera last year and never even considered a video option, and regretted it later on. Rich Don't regret it, you did yourself a favor. I have a Nikon D90 and it does HD video though limited to 20 minutes per. I don't shoot video...
by Midpack
Thu Dec 08, 2011 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Total Insanity--sport star compensation
Replies: 148
Views: 8339

Re: Total Insanity--sport star compensation

I agree that its inappropriate for municipalities to subsidize professional sports. But they also subsidize the arts and a bunch of other stuff that people may not approve. If pro sports paid all it's own expenses, bought and paid for it's own stadiums, and the public didn't have to pay (through pr...
by Midpack
Thu Dec 08, 2011 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Total Insanity--sport star compensation
Replies: 148
Views: 8339

Re: Total Insanity

No, it is the opposite of total insanity, it is total rationality--a free-market financial transaction where both parties were fully able to evaluate the costs and benefits of the transaction before entering into it. I would agree if pro sports weren't substantially subsidized by municipalities who...
by Midpack
Thu Dec 08, 2011 10:11 am
Forum: Personal Consumer Issues
Topic: The Term "SUV"
Replies: 45
Views: 3802

Re: The Term "SUV"

How about SAV? Suburban Assualt Vehicle. Paul Or CUB, coined when the Scion xB and Honda Element came out. Stood for Cute/Ugly Box...I think it was in Car & Driver or one of the mainstream car mags. First impression was ugly, but cute in a strange way, and box speaks for itself. Even Element ow...
by Midpack
Tue Dec 06, 2011 11:43 am
Forum: Personal Consumer Issues
Topic: Advice on New Car Purchase
Replies: 48
Views: 2833

Re: Advice on New Car Purchase

You have to decide how important it is to your wife, but it sounds like her reasons are simply because she wants it. If you trade in the Accord for the Pilot, you now have a car payment, higher insurance and higher gas costs (Pilot MPG is lower than Accord or CRV). I wouldn't be anxious to take that...
by Midpack
Sun Dec 04, 2011 2:47 pm
Forum: Personal Investments
Topic: On track to retire in 2015...what do you folks think?
Replies: 16
Views: 1953

Re: On track to retire in 2015...what do you folks think?

We all have different thresholds regarding safety factors. Some people retire planning on an initial withdrawal rate of 4%, some aren't comfortable until they have enough to start at 2% or 3%. You have to decide what you need to sleep at night. I would also recommend http://www.firecalc.com . Make s...
by Midpack
Sun Dec 04, 2011 1:09 pm
Forum: Personal Consumer Issues
Topic: You get what you pay for
Replies: 42
Views: 3589

Re: You get what you pay for

Conspicuous consumption/luxury items notwithstanding, I'd say you get what you pay for more often than not, but a little pre-buy research is a huge help. I am usually trying to find the lowest life cycle cost items, not the outright cheapest (usually not lowest life cost). For example i just bought ...
by Midpack
Sun Dec 04, 2011 12:06 pm
Forum: Personal Consumer Issues
Topic: I'm strange because I always liked where I live
Replies: 32
Views: 2514

Re: I'm strange because I always liked where I live

Glad you're happy, and I should just leave it at that but... I've moved around my entire life, WA, TX, FL, IN, OH, NJ as well as Europe and Asia. Every place I've lived there were by far more 'natives' than transplants. And most of them told me (I didn't initiate these exchanges), 'I wouldn't want t...
by Midpack
Sun Dec 04, 2011 11:20 am
Forum: Personal Consumer Issues
Topic: Living in the Third Saddest City.
Replies: 56
Views: 5543

Re: Living in the Third Saddest City.

Hi Midpack, You wrote. I laughed that LV was #1. Why wouldn't the citizens of Las Vegas be relatively sad? Their city and state have very high unemployment rates as well as the highest home foreclosure rate in the country. [BobK Just the irony that quite a few people consider LV the ideal vacation ...
by Midpack
Sun Dec 04, 2011 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 9650

Re: Owning a used jalopy: Same cost as leasing brand car.

A Honda dying at 140k? Define dying? Good point. I traded a Honda at 164K miles without spending anywhere near $3000 on maintenance even in the last 4 years (OP's term) and it was still running fine, I just finally wanted something new. I know someone who has an Element with 315K miles and it's sti...
by Midpack
Sun Dec 04, 2011 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 9650

Re: Owning a used jalopy: Same cost as leasing brand car.

Google will give you all you would ever want on leasing vs buying new or used. Maybe start there. Do you think dealers are losing money leasing you a car? That's what your calculations and conclusions imply, but I'm sure any dealer will readily agree with your POV and lease you a car right away! I s...
by Midpack
Sun Dec 04, 2011 7:48 am
Forum: Personal Consumer Issues
Topic: Living in the Third Saddest City.
Replies: 56
Views: 5543

Re: Living in the Third Saddest City.

When will Internet lists finally run their course and fade away (prob never)? I gave up on them after reading several 'best places to retire lists' with completely different "findings." Some were just ridiculous, GIGO... But it was also nice for me to see a negative list that our city wasn...
by Midpack
Fri Dec 02, 2011 3:48 pm
Forum: Personal Consumer Issues
Topic: Xmas present - investing book
Replies: 27
Views: 1699

Re: Xmas present - investing book

The Four Pillars of Investing is my favorite, but not the best choice for your target readers. I'd recommend (in order):

1 The Investor's Manifesto
2 The Bogleheads Guide to Investing
3 The New Coffeehouse Investor (the original was much easier to read than the new revised version IMO)
by Midpack
Fri Dec 02, 2011 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: IPS
Replies: 2
Views: 373

Re: IPS

Me too. I've adhered to a plan for decades, but never put it in writing (though I do have spreadsheets that I always considered my plan). But writing an IPS sounds like a good idea and time well spent to me too, I've probably overlooked some points and I know my knowledge base is weaker in some area...
by Midpack
Thu Dec 01, 2011 2:23 pm
Forum: Investing - Theory, News & General
Topic: What is a good ratio of Large/Small Cap stock?
Replies: 44
Views: 9028

Re: What is a good ratio of Large/Small Cap stock?

yukon50 wrote:What is the recommendations for international small-cap? Up to 50% of international in small-cap?
One size just doesn't fit all. Your pick http://assetbuilder.com/our_portfolios/ ... _list.aspx

or

Image
by Midpack
Thu Dec 01, 2011 9:22 am
Forum: Personal Consumer Issues
Topic: Good music CD to mp3 ripper software?
Replies: 31
Views: 2091

Re: Good music CD to mp3 ripper software?

PaddyMac wrote:Why not just use iTunes?
That's what I was thinking too, seems like a no-brainer to me so I must be missing something in the OP...
by Midpack
Thu Dec 01, 2011 9:17 am
Forum: Personal Investments
Topic: Is it the day today, ValueThinker?
Replies: 18
Views: 1898

Re: Is it the day today, ValueThinker?

The only thing this current change accomplished was to delay the real problem a few more weeks. There are only two possible solutions to the current world financial mess. --economic policy comments deleted-- . So the question remains when will the inflation hit? Figure that out and you can then pla...
by Midpack
Thu Dec 01, 2011 9:05 am
Forum: Investing - Theory, News & General
Topic: What is a good ratio of Large/Small Cap stock?
Replies: 44
Views: 9028

Re: What is a good ratio of Large/Small Cap stock?

IMO, anything between 1:0 and 0:1 is justifiable. Just depends on what you're comfortable with... Not sure I'd agree with that wide a spread, but there is no right answer IMO. My portfolio has a deliberate small and value tilt, based on William Bernstein's The Four Pillars of Investing . When I run...
by Midpack
Wed Nov 30, 2011 9:24 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 385930

Re: What Book Are YOU Currently Reading? Part IV. (07/04/201

The Social Animal by David Brooks, very interesting so far (about 1/3 in).
by Midpack
Tue Nov 29, 2011 3:15 pm
Forum: Personal Consumer Issues
Topic: All Clad (Gift for Home Chef)?
Replies: 31
Views: 3333

Re: All Clad (Gift for Home Chef)?

We have 3 All-Clad LTD pans. I think they are all stainless inside, with a varying numbers of layers of varying materials. We got a pretty good discount buying them through a discount online place, sorry I can't remember the name. Other than a more expensive copper Mauviel saucepan we have, the All-...
by Midpack
Sun Nov 27, 2011 5:30 pm
Forum: Investing - Theory, News & General
Topic: Tool To Determine Portfolio Beta?
Replies: 4
Views: 429

Re: Tool To Determine Portfolio Beta?

I'm more interested in low correlation and my portfolio composite correlation than weighted beta, so I figured out how to calculate the former. Don't happen to know how to calculate portfolio beta...

http://www.ehow.com/how_6847626_calcula ... folio.html
by Midpack
Sun Nov 27, 2011 3:40 pm
Forum: Personal Consumer Issues
Topic: E-reader for Mom (86 years old)?
Replies: 40
Views: 3553

Re: E-reader for Mom (86 years old)?

I love my iPad but it is not the best reader by any means, and impossible outdoors in bright sun. You can't beat the readability of a black & white e-Ink Kindle or Nook, and I think they start at $79 now. Buying books costs $10 per book or more, but less than hard copy, and there are a surprisin...
by Midpack
Sun Nov 27, 2011 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Insulation
Replies: 23
Views: 2300

Re: Insulation

Thanks to all for the input. I am tending to the roll style. Cheapest and overall seems the have fewest issues. Given that I an DIY challenged I will n all likelihood hire someone to install. Thanks to all again for the great info RYD In case you do it yourself after all, just make sure you shake t...
by Midpack
Sun Nov 27, 2011 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Insulation
Replies: 23
Views: 2300

Re: Insulation

Adding insulation, rolled, batts, blown in fiberglass, blown in cellulose or expanded foams will all help. Spray/expanded foam is the highest R-value per inch, can be the green solution depending on the foam composition, but it's really not DIY and it's the most expensive. Usually done with new cons...
by Midpack
Sun Nov 27, 2011 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Bill vs. Dollar Coin?
Replies: 56
Views: 4917

Re: Dollar Bill vs. Dollar Coin?

I don't have a preference between bills and coins themselves, but if it would indeed 'save the US Govt $500 billion to eliminate paper dollars,' we should do it IMO.
by Midpack
Sun Nov 27, 2011 11:28 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 78
Views: 8929

Re: Name some $100 bills you've found laying around

I can't imagine actually finding a $100 bill. The biggest bill I ever found was a $20, on the floor in the aisle of a toy store when I was 10 or 12. I was ecstatic and I showed it to my Dad. He calmly told me 'we're going to turn it in to the store manager because it isn't ours' and hope that the ri...
by Midpack
Sat Nov 26, 2011 11:19 am
Forum: Personal Consumer Issues
Topic: Does television streaming online make cable obsolete?
Replies: 17
Views: 3027

Re:

If everyone streamed, and expects decent resolution, and the consumption of TV stays the same someone will have to pay for increasing the bandwidth available to most consumers. It's kind of funny that now everyone has HDTV's , streaming gets popular with perhaps 10% or less of true HD resolution. V...
by Midpack
Fri Nov 25, 2011 4:13 pm
Forum: Personal Investments
Topic: Morningstar- Can I trust their advice ?
Replies: 21
Views: 1685

Re: Morningstar- Can I trust their advice ?

Like others have said, the star system is all rear view mirror, and I can read it at no cost a my local small town library. You can see quite a bit online without subscription, and through Vanguard if you have an account. I can't imagine paying with all that...
by Midpack
Thu Nov 24, 2011 10:31 am
Forum: Personal Consumer Issues
Topic: HAPPY THANKSGIVING, BOGLEHEADS
Replies: 24
Views: 1508

Re: HAPPY THANKSGIVING, BOGLEHEADS

Happy Thanksgiving everyone. Among many other blessings, I am thankful for the wisdom on this forum.
by Midpack
Wed Nov 23, 2011 1:54 pm
Forum: Investing - Theory, News & General
Topic: On the current crisis
Replies: 202
Views: 15060

Re: On the current crisis

Interesting thread. I just retired and I reduced our equity exposure from more than 70% to 50%. I am sleeping fine with this AA, but it's more unsettling than ever before with bonds less secure and MM returns non-existent. And it's remarkable how small the world has become in my lifetime...
by Midpack
Wed Nov 23, 2011 9:46 am
Forum: Personal Consumer Issues
Topic: My 8 Year Old wants to take music lessons
Replies: 34
Views: 3275

Re: My 8 Year Old wants to take music lessons

Like everyone else here, I'd encourage your son and set him up with private lessons once a week. I may have missed it, but I would recommend you rent a guitar for him to start, don't buy one. Music stores that sell instruments and provide lessons will usually rent entry level instruments by the mont...
by Midpack
Tue Nov 22, 2011 6:10 pm
Forum: Personal Consumer Issues
Topic: Do you miss the 90's
Replies: 49
Views: 3797

Re: Do you miss the 90's

The 'good old days' will always be the good old days. Right now will be the good old days one day, scary thought huh?
by Midpack
Tue Nov 22, 2011 6:07 pm
Forum: Personal Consumer Issues
Topic: Can you read people?
Replies: 24
Views: 2384

Re: Can you read people?

23, just barely capable. I'd like to think I can read people better live and with just a little conversation, many of the face pics were very dark/under exposed making them difficult to see. But it was fun nonetheless, thanks.
by Midpack
Tue Nov 22, 2011 5:03 pm
Forum: Personal Investments
Topic: Can I afford this house?
Replies: 18
Views: 1572

Re: Can I afford this house?

Thanks for that great response. I am that person who wants 4br, 3000 Sq Ft house. And I probably can afford it. But I am questioning myself and wondering if I can live and be happy in a smaller home. How big is the place you live now (I don't need to know, ask yourself how much more you need)? I ha...