Search found 456 matches

by palaheel
Fri Apr 16, 2021 7:34 pm
Forum: Personal Consumer Issues
Topic: Selling old car - CarMax etc.
Replies: 65
Views: 4935

Re: Selling old car - CarMax etc.

I sold a car privately for the first time around 6 months ago. I used Facebook Marketplace. I also set up a free website at webnode.com, and referenced it on Marketplace. On the website I arranged my pictures better, and addressed the "good," "bad," and "why I'm selling"...
by palaheel
Fri Apr 16, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 45
Views: 2793

Re: Electric Toothbrush Replacement Recommendations?

Our dentist said to take our pick, Oral B or Sonicare. Our orthodontist specified Sonicare.
by palaheel
Thu Apr 15, 2021 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 172
Views: 14007

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

*** STATUS UPDATE *** 1 Class left everyone! It's been a bit of a journey, that's for sure and I feel as though I've learned tons of sweet goodness. I'm beyond excited and am beginning to truly see a little light at the end of this tunnel. Talk about an investment. :shock: I've recently began apply...
by palaheel
Thu Apr 15, 2021 4:58 pm
Forum: Investing - Theory, News & General
Topic: Why Does Anyone Listen To Paul Merriman?
Replies: 87
Views: 8328

Re: Why Does Anyone Listen To Paul Merriman?

Why the fixation with 2015 and 2006? Are you suggesting those periods are long enough to analyze investing strategy? It's not hard to go back further. Merriman's site has data going back to 1970 ( https://paulmerriman.com/wp-content/uploads/2021/02/Fine-Tuning-Tables-50-50-2020.pdf ). Have you looke...
by palaheel
Fri Apr 09, 2021 8:19 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5972

Re: Simplicity over Small Cap Value

You've got to convince yourself to tilt. Otherwise, don't do it. If in doubt, don't do it. If you're looking for approval, don't do it. If you can't handle significant periods of underperformance, don't do it. That said, don't blame complexity for not tilting; the Trev H portfolio (which Merriman ca...
by palaheel
Sat Apr 03, 2021 8:40 am
Forum: Personal Investments
Topic: Merriman Buy Hold with Modification from Trev H
Replies: 13
Views: 1100

Re: Merriman Buy Hold with Modification from Trev H

You could select the appropriate funds from Merriman's recommended ETFs for UBH ( https://paulmerriman.com/best-in-class-recommended-portfolios-2021/ ). They are AVUS (Advantis large blend), AVUV (Advantis small cap value), EFV (iShares international large value) and FNDC (Schwab Fundamental interna...
by palaheel
Thu Mar 25, 2021 6:49 pm
Forum: Personal Investments
Topic: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?
Replies: 72
Views: 6576

Re: If I can be in equities when I’m in my 20s and 30s why shouldn’t I hold all equities until the day I die?

I was high in equities till just before retirement, too. But there was the lost decade: https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=2000&firstMonth=1&endYear=2021&lastMonth=12&calendarAligned=true&includeYTD=fa...
by palaheel
Thu Mar 25, 2021 6:24 pm
Forum: Investing - Theory, News & General
Topic: cFIREsim has been revised and is super easy to use.
Replies: 186
Views: 16003

Re: Cfiresim has been revised and is super easy to use.

Question for folks in this thread: I've made it so "Pension" adjustments have the ability to add an End Year to them. This now raises the question... Is there really any difference between an "Income/Savings" adjustment and an "Pension/Annuity" adjustment? Technically ...
by palaheel
Fri Mar 12, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: 3 days in Asheville NC -- end of march weekend
Replies: 39
Views: 3131

Re: 3 days in Asheville NC -- end of march weekend

Mt Mitchell has a restaurant with beautiful views. Check whether it's open, yet. I never had the time to hike (backpack) the Black Mountain Crest Trail (11.3 miles), but I think you can start at the top of Mt Mitchell . It covers some of the highest peaks in the east, and hiking around Mt Mitchell i...
by palaheel
Fri Mar 05, 2021 2:40 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 134
Views: 10554

Re: How to make strong coffee equivalent to Starbucks for cheaper?

It's seems like getting the coffee really hot is half the battle. I have to put drip coffee in the microwave at least 30 secs to get it to the right temp. How does starbucks do it? Are you pouring coffee into a cold ceramic mug and then adding cold milk/cream/...? We use both an aeropress and steam...
by palaheel
Thu Mar 04, 2021 8:36 pm
Forum: Personal Investments
Topic: How long would you back a losing horse, to Stay The Course?
Replies: 167
Views: 11368

Re: How long would you back a losing horse, to Stay The Course?

Paul Merriman has a comment about Eugene Fama being asked "to explain the 30-year (1970-1999) very small underperformance of small-cap vs. large-cap. His brief response was, 'You’re not very patient are you?'" ( https://paulmerriman.com/ask-paul/ and search for "patient") The pre...
by palaheel
Tue Feb 16, 2021 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 94
Views: 11783

Re: Helping my nephew out of his rut

I used to do prison ministry and it really blew my mind how big of an impact the fact that men without dads in their life had no one to tell them “you are a man now” had, and what all that involves. I know that sounds cliche, but it does have an impact on a man’s life. I will echo back what some ha...
by palaheel
Sun Feb 14, 2021 7:46 pm
Forum: Investing - Theory, News & General
Topic: What was the Dot-Com bubble like?
Replies: 167
Views: 11536

Re: What was the Dot-Com bubble like?

I remember "things are different this time," and "this is the new normal."
by palaheel
Sun Feb 07, 2021 3:17 pm
Forum: Personal Consumer Issues
Topic: Can you get a job from taking a "Coding Bootcamp"?
Replies: 63
Views: 5180

Re: Can you get a job from taking a "Coding Bootcamp"?

One of our local universities has a certificate program for people who have undergrad degrees in something other than CS. It has been described as "the CS courses you would have taken, if you'd majored in CS instead of whatever you did major in." I know three people who went through it. Al...
by palaheel
Fri Feb 05, 2021 8:17 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 226
Views: 28197

Re: The front page is ugly

Do you have any evidence that anyone has quit accessing the site because of the current layout? Answering a question with a question? I don't think that asking for evidence when none was provided is unreasonable. I'll also point out that drudgereport.com is one of the most popular pages on the inte...
by palaheel
Fri Feb 05, 2021 8:01 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 226
Views: 28197

Re: The front page is ugly

For those that love the front page and don't want it changed, can you answer this question. If the functionality was offered exactly as is but from a different URL would you still love it and bookmark it as your Bogleheads homepage ? If so, why does it need to sit at the website's homepage, which f...
by palaheel
Wed Feb 03, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Watching hollywood movies with kids 10 and 16
Replies: 33
Views: 2624

Re: Watching hollywood movies with kids 10 and 16

The Adventures of Buckaroo Banzai Across the 8th Dimension

Men in Black

Ghost Busters

any Humphrey Bogart

any Orson Welles
by palaheel
Sun Jan 31, 2021 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12601

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

What's he done during his summers in high school? Working in cotton mills gave me motivation for going to college and doing well there.
by palaheel
Thu Jan 28, 2021 9:09 pm
Forum: Investing - Theory, News & General
Topic: Stock vs Bitcoin vs Pokemon Cards
Replies: 47
Views: 2020

Re: Stock vs Bitcoin vs Pokemon Cards

What about tulip bulbs?
by palaheel
Wed Jan 27, 2021 5:43 pm
Forum: Investing - Theory, News & General
Topic: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?
Replies: 135
Views: 4950

Re: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?

I did C, rebalance. I went into the crisis at 55/45 stock/FI. In March, I was down to 45/55, and rebalanced back to 55/45. I expected another drop in June or July, and was ready to rebalance again. But that drop never came. Since then I drifted up to almost 70/30, and recently sold stocks back to 65...
by palaheel
Tue Jan 26, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: What to expect when retiring to NC?
Replies: 43
Views: 4015

Re: What to expect when retiring to NC?

You don't need an HOA to avoid yardwork. Our 90 year old widowed neighbor only comes outside to walk her dog and get in a taxi. The outside stuff is hired out. Where ever you move, move your heart as well as your feet. If you're going to be constantly thinking "in <where ever> we did things thi...
by palaheel
Tue Jan 26, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3972

Re: Best State and National Parks in the Southeast

Maybe not this year, but the NC Outer Banks and Cape Hatteras National Seashore might be a good destination for the both of you.
by palaheel
Sun Jan 24, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3972

Re: Best State and National Parks in the Southeast

Another vote for Grayson Highlands State Park in Va. It borders the Mt Rogers NRA. Park in Grayson Highlands and pack along the AT into the Mt Rogers NRA.
by palaheel
Sat Jan 23, 2021 8:22 pm
Forum: Personal Consumer Issues
Topic: Slippers with support
Replies: 29
Views: 1742

Re: Slippers with support

Great topic. I also have foot problems if I spend too much time barefoot on hard floors. I also use Birkenstock sandals--the kind with no heel strap and two straps around the front of my feet. I can put them on in the dark without bending over. I adjust them so that I can wear them with socks, if ne...
by palaheel
Tue Jan 19, 2021 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Phone Scammer: "Read Letter Out Loud"???
Replies: 27
Views: 3542

Re: Phone Scammer: "Read Letter Out Loud"???

Call your financial firms also. Some friends came too close to being scammed, and said that Fidelity was extremely helpful.

Regarding fake "being called from" numbers, I once received a call from myself. I understand faking that data, but even so, that kinda freaked me out.
by palaheel
Sat Jan 16, 2021 7:02 pm
Forum: Personal Investments
Topic: How can I teach my 5 year old daughter about investing?
Replies: 109
Views: 5095

Re: How can I teach my 5 year old daughter about investing?

How about a lemonade stand this summer? be sure to get the proper permits first: https://www.google.com/search?client=firefox-b-1-d&q=need+a+permit+for+a+lemonade+stand How about she does a leveraged buyout and acquires the neighbors lemonade stand? That way she gets the permit through the deal...
by palaheel
Sat Jan 16, 2021 6:43 pm
Forum: Personal Investments
Topic: How can I teach my 5 year old daughter about investing?
Replies: 109
Views: 5095

Re: How can I teach my 5 year old daughter about investing?

How about a lemonade stand this summer?
by palaheel
Fri Jan 15, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I walk away from nice pension? Is it worth it?
Replies: 48
Views: 6601

Re: Should I walk away from nice pension? Is it worth it?

I tend to agree with the others about staying being the more appealing choice. But I have to ask: How safe is the pension?
by palaheel
Wed Jan 13, 2021 7:08 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 304
Views: 49562

Re: Ex DFA CIO launches competitor which will also have ETFs

For a newbie to factor tilting this is pretty daunting trying to figure out which funds to invest in... Try https://paulmerriman.com/ and his Ultimate Buy and Hold portfolio. After that, look at this thread https://www.bogleheads.org/forum/viewtopic.php?f=10&t=38374 . That will give you the bac...
by palaheel
Wed Jan 13, 2021 11:37 am
Forum: Personal Consumer Issues
Topic: Best Webcam with Microphone under $10
Replies: 15
Views: 1146

Re: Best Webcam with Microphone under $10

montanagirl wrote: Wed Jan 13, 2021 10:45 am
02nz wrote: Mon Jan 04, 2021 10:51 pm Second the Epoccam recommendation. As for webcams, the Logitech C270 ($27.49 from target) is by far the best cheap webcam available, and I would not recommend trying to spend less.
It doesn't say anything about a mic tho
It uses the mic in the phone.
by palaheel
Tue Jan 05, 2021 9:55 pm
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15780

Re: 2021 Hedge Fund Contest

It has come to my attention on another thread that some people take this contest seriously, aka as the actual predictions of the forum members on stocks that will and will not perform well this year, rather than the tongue-in-cheek commentary on hedge fund managers that it is meant to be. To restor...
by palaheel
Mon Jan 04, 2021 3:49 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Re: Exterior Paint Products

The siding is HardiePlank (around 10 years old) with wood trim. The parts of the trim that are rotting (there always seems to be some wood rot somewhere) will be replaced with PVC . Where visible siding has a problem, the plank will be replaced totally to avoid the seam showing. Planks that are not...
by palaheel
Mon Jan 04, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Re: Exterior Paint Products

Might be worth spending $39 to get an objective review of paints that you could have included in your bid: https://web.consumerreports.org/exterior_paints/c/v2/index.html?EXTKEY=SG72H00&ds_rl=1247060&ds_rl=1247048&gclid=Cj0KCQiAlsv_BRDtARIsAHMGVSbTFsoy2PzbALm1sj520UVxXC1xiMRD47RWPlZmEzT...
by palaheel
Mon Jan 04, 2021 1:01 pm
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Re: Exterior Paint Products

Thanks everyone. I'm getting the picture to choose the contractor based on who will do the best prep.

Regarding waiting till March, DW and I switch sides on that question a couple of times a day :?
by palaheel
Mon Jan 04, 2021 8:34 am
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Re: Exterior Paint Products

Heavy DIYer here, it's really personal preference as to what paint. I've tried most top tier, and what I like is Duration exterior, and Superpaint for interior. But most important is prep, not a top tier paint selected. Prep is 90% of the labor (what you are actually paying for), spraying is 10%. &...
by palaheel
Mon Jan 04, 2021 8:27 am
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Re: Exterior Paint Products

What kind of siding are you painting? I've used both including duration on aluminum siding in colder weather with great results and superpaint on a wood shed. Duration is very thick when applying compared to other paints but has held up extremely well without fading over the past 10 years. I did mi...
by palaheel
Mon Jan 04, 2021 7:17 am
Forum: Personal Consumer Issues
Topic: Exterior Paint Products
Replies: 36
Views: 1819

Exterior Paint Products

After our tree removal project ( https://www.bogleheads.org/forum/viewtopic.php?f=11&t=324084 , and many thanks for all the insight), we now need an exterior paint job. I know the weather is marginal, but we should be able to meet the 35 degree temperature requirements, though it might take long...
by palaheel
Mon Jan 04, 2021 7:10 am
Forum: Personal Consumer Issues
Topic: Best Webcam with Microphone under $10
Replies: 15
Views: 1146

Re: Best Webcam with Microphone under $10

Do your students already have cell phone? The EPOCCAM (https://www.elgato.com/en/epoccam) app works well for our desktop (that has neither camera nor microphone). It was under $10, as I remember. The paid version is much better than the free one, which was pretty much unusable.
by palaheel
Mon Jan 04, 2021 4:26 am
Forum: Investing - Theory, News & General
Topic: 2021 Hedge Fund Contest
Replies: 223
Views: 15780

Re: 2021 Hedge Fund Contest

FunnyMoney

long
darden (dri)
fedex (fdx)
smith & wesson (swbi)

short
tesla (tsla)
facebook (fb)
US Silica Hldgs (slca)
by palaheel
Sun Jan 03, 2021 10:02 am
Forum: Personal Investments
Topic: Vanguard PAS for Surviving Spouse
Replies: 11
Views: 864

Re: Vanguard PAS for Surviving Spouse

I'm sorry to hear about your situation. Vanguard PAS, Fidelity Personalized Planning & Advice, and Schwab Intelligent Portfolios Premium are all low-cost hybrid advisors, though Vanguard is probably the lowest. I suggested to my wife that she speak to each of them and go with the one she's most ...
by palaheel
Sat Jan 02, 2021 7:03 pm
Forum: Personal Investments
Topic: Feeling stuck at Edward Jones, medallion problem
Replies: 61
Views: 4703

Re: Feeling stuck at Edward Jones, medallion problem

You said that none of the local banks will help you. Does that mean that they cannot do medallion signatures, or that they only do them for their customers? If the latter, that's a fixable problem.
by palaheel
Sat Jan 02, 2021 4:04 pm
Forum: Investing - Theory, News & General
Topic: 2020 and 2021 Boglehead Contests
Replies: 43
Views: 3208

Re: 2020 and 2021 Boglehead Contests

I broke the top 100 last year (barely, but I'll take it :D ), and validated Napoleon's observation that it's better to be lucky than good. This year, I'm predicting a bear market. In both cases, I'm taking my own temperature about how I feel about things that cannot be discussed here. I hope I'm unl...
by palaheel
Wed Dec 30, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Removing a White Oak from Side Yard
Replies: 41
Views: 2646

Re: Removing a White Oak from Side Yard

Many thanks for all those who provided insight. We eventually wound up with a crane on the opposite corner of the house from the tree, and lifting tree parts into the street. We were able to get a couple of 10 foot chunks of the trunk to a local lumber yard/furniture maker, and we ordered a small ta...
by palaheel
Wed Dec 30, 2020 7:36 pm
Forum: Personal Consumer Issues
Topic: Removing a White Oak from Side Yard
Replies: 41
Views: 2646

Re: Removing a White Oak from Side Yard

Edited below.
by palaheel
Tue Dec 29, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Cell Phone?
Replies: 78
Views: 5418

Re: Bogleheads Cell Phone?

We switched to the iPhone SE (the original one) several years ago, and we're still receiving updates. At the time we switched, Android updates were, at best, relatively short lived. Is that still the case? Factoring that in reduces the iPhone cost over the years.
by palaheel
Mon Dec 28, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5437

Re: Very very warm Men’s Winter Coat

Whenever we want something that's too heavy to use in North Carolina, we buy from LL Bean. Some of their stuff is heavy in both the insulation and weight senses, though.
by palaheel
Sat Dec 26, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Is a Canon R5 a horrible purchase?
Replies: 35
Views: 2173

Re: Is a Canon R5 a horrible purchase?

The R5 is a professional camera, and certainly out of my price range. That said, the glass is the big decision on camera systems. What type of pictures do you want to take? Canon recently came out with affordable 600 and 800 mm F11 telephotos that are getting very good reviews. The 600, especially,...
by palaheel
Sat Dec 26, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Is a Canon R5 a horrible purchase?
Replies: 35
Views: 2173

Re: Is a Canon R5 a horrible purchase?

The R5 is a professional camera, and certainly out of my price range. That said, the glass is the big decision on camera systems. What type of pictures do you want to take? Canon recently came out with affordable 600 and 800 mm F11 telephotos that are getting very good reviews. The 600, especially, ...