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Re: Google Voice Not Supported on OBi Devices After May 15 2

Okay, I've looked through the voips. Seems like voip.ms would be okay, but I'm going to wait. In the interests of scientific curiosity (and because I've got little time, a few days not a month), I'm just going to do nothing and just let this phone setup die and see what happens. The world won't end....
by 555
Sun Apr 20, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Speculation on I Bond fixed rate for May 1st

The "every year" is that there is a new purchase each year.
by 555
Sat Apr 19, 2014 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3281

Re: Speculation on I Bond fixed rate for May 1st

Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :? It's like a 20bp difference in expense ratios. Don't you think that makes a difference? On a million dollar portfolio youd be talking about a few thousand dollars a year, but on a $10k I Bond purchase the difference ...
by 555
Sat Apr 19, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3281

Re: The reverse world of retirement investing

I was going to post this as well. I am skeptical of this paragraph from the article: Seek income. You don't have to construct a portfolio of bank CDs and utility stocks, but income makes your life a great deal easier. Dividends not only cushion downturns, but typically rise every year, giving you s...
by 555
Sat Apr 19, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: The reverse world of retirement investing
Replies: 27
Views: 2526

Re: Speculation on I Bond fixed rate for May 1st

crowd79 wrote:Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :?


It's like a 20bp difference in expense ratios. Don't you think that makes a difference?
by 555
Sat Apr 19, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3281

Re: Google Voice Not Supported on OBi Devices After May 15 2

Just login to GV and then go to settings (the gear box on the right upper side) then go to phones and turn google chat on with your hangout (email) id. It will ring then on your obi and on your laptop (assuming you have hangouts running). Personally I still prefer a phone to a laptop or pc that has...
by 555
Fri Apr 18, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

a) call via your laptop (hangouts) to any landline Wait, what? If I can do this, I don't need OBi or a VoIP service at all. If I can simply use my laptop or desktop as a phone, then that's exactly what I want to do. Assuming I just have my laptop or desktop, with its speakers and microphone, a broa...
by 555
Fri Apr 18, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Most solid small car

A Hummer that's been through the crusher.
by 555
Fri Apr 18, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3090

Re: Google Voice Not Supported on OBi Devices After May 15 2

We have quite some international calls though and the rates are about the same for GV vs. voip.ms So it will become impossible to make outgoing calls through GV, is that right? So I won't be able to use GV for outgoing international calls, right? I'll have to get a refund of my GV balance. Is there...
by 555
Fri Apr 18, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

Thanks for the suggestions and info, everyone. I'm trying to get up to speed on this.
by 555
Fri Apr 18, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

Wouldn't a month be sufficient time to find a new provider? It depends. I have plans that mean that if I don't figure it out in the next few days (and I've got other stuff to get done), then I'll have to wait til I get back which will be after it cuts off. They could have emailed me 6 months ago to...
by 555
Fri Apr 18, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

It's puzzling that some people pretend to believe obihai.com took reasonable steps to inform their customers. Of course, it's just an act.
by 555
Fri Apr 18, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

Okay I've been trying to read up on this but it's confusing. It seems it will take a while for the dust to settle (e.g. what's to become of Google Voice?) and we can't expect companies to be forthcoming about what's going to happen, so it's a bit like the wild west for now. Whatever solution I come ...
by 555
Fri Apr 18, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

http://blog.obihai.com/2013/10/important-message-about-google-voice.html A link to this article has been and currently is on the home page in the bottom right in red. What "home page"? The internet is vast. Why would everyone be expected to have seen this particular page? info@obihai.com ...
by 555
Thu Apr 17, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: Google Voice Not Supported on OBi Devices After May 15 2

This is not old news to me. This is absolutely brand spanking new news to me. I've been totally blindsided by this. The obi people clearly chose to keep its customers in the dark until the last minute, except those who happen to stumble across some obscure blog post. It reminds me of this: "But...
by 555
Thu Apr 17, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Google Voice Not Supported on OBi Devices After May 15 2014

"Google Voice Not Supported on OBi Devices After May 15 2014" I just got this news in an email from info@obihai.com So after finally getting this alternative to my landline, the plug is to be pulled on almost no notice, and I have little time to stop my phone going dead. Apparently they've...
by 555
Thu Apr 17, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 45
Views: 2009

Re: TIAA-CREF is buying Nuveen?

When I look at my 403b options, TIAA-CREF aren't the good guys. They're just the least-bad guys.
by 555
Wed Apr 16, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF is buying Nuveen?
Replies: 44
Views: 2448

Re: Why does Vanguard use average return iso compound annual

In case some people don't get the OP's point, here's an analogy. It's a bit like the SEC saying that a "poodle" is a small feline mammal that purrs and meows.
by 555
Sun Apr 13, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4111

Re: Why does Vanguard use average return iso compound annual

OP, if you think this terminology is bad, you should see the long thread a while ago about the fact that mortgages often use the term "simple interest" to refer to "compound interest".
by 555
Sat Apr 12, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use average return iso compound annual?
Replies: 99
Views: 4111

Re: TIAA CREF

The amount you put into the 401a is probably fixed with no choice. Do you have any choices other than T-C for the 401a? How much do you want to put elsewhere? What are your options for other accounts? 403b (through employer)? 457b (through employer)? IRA (as an individual)? And who are the possible ...
by 555
Sat Apr 12, 2014 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3298

Re: Skype on a Mac

These responses aren't childish enough. Try harder.
by 555
Thu Apr 10, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Skype on a Mac
Replies: 8
Views: 443

Re: TIAA CREF

Back on topic: OP, doing you recognize your account type from this list https://www.tiaa-cref.org/public/products-services/retirement/employer-sponsored/option/plan_offerings.html From that you would want to deduce if it is a 401a, 403b, 457b or something else. Then also see what other options you h...
by 555
Thu Apr 10, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3298

Re: TIAA CREF

You need to understand the tax characteristics of each account. What type of accounts are these? Do you know?
by 555
Wed Apr 09, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3298

Re: Sales tax on trade-in "Difference"

To see which states do:
Sales tax on trade-in "Difference"

http://www.edmunds.com/car-buying/what- ... u-pay.html
by 555
Tue Apr 08, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Sales tax on trade-in "Difference"
Replies: 26
Views: 1639

Re: Roth IRA Conversion deemed taxable

How does one end up with a negative AGI? Just curious. Take a closer look at form 1040. Do you see any lines that could result in a negative total income (line 22) or AGI (line 37)? Which lines? Form 1040: http://www.irs.gov/pub/irs-pdf/f1040.pdf Often people write "you" when they really ...
by 555
Tue Apr 08, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Conversion deemed taxable
Replies: 35
Views: 2081

Re: TIAA CREF

4503 wrote:Hi,
I have a account through my employer at TIAA CREF. The employer contributes a certain percentage of my gross salary. Therefore, I do not want to change to Vanguard.


What exactly does "change to Vanguard" mean in this context?
by 555
Mon Apr 07, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF
Replies: 50
Views: 3298

Re: How are you preparing for the coming bear market

zaboomafoozarg wrote:Bear spray, don't leave home without it.


I'm an accumulator. I need some bull spray.
by 555
Sat Apr 05, 2014 11:49 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7805

Re: Minimizing Taxes

Retire.
by 555
Sat Apr 05, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing Taxes
Replies: 17
Views: 988

Re: Where is the Vanguard 03/31/2014 statement?

Login to your account. Navigate to My Accounts, then Statements in the drop-down menu. Then click on your 03/31/2014 statement to view it. You know the statement is going to be there, so I don't understand why you need a notice to tell you that the statement is going to be there. Why would you say ...
by 555
Sat Apr 05, 2014 2:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2043

Re: Buying for someone who "has everything"

The best thing to buy for someone who "has everything" is "nothing".

Make it clear that you want nothing. Just make it clear to everyone that you wish not to receive gifts, and if they are considerate, then they will respect that wish.
by 555
Sat Apr 05, 2014 2:01 am
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2296

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

$2,000 in maintenance sounds better than spending $300 / month on another car,... Where do you get that $300/month figure. $300/month since 1999 would be $54,000. Why would a new car cost that much extra? If a $2,000 repair would postpone a new car purchase for one year, say, is that worth it? (Ser...
by 555
Fri Apr 04, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1128

Re: Saving on major renovations

The house is assessed for several hundred thousand above our contract price and needs some major renovations. It really isn't helpful to get " live with it advice" when we have cash to renovate and the kitchen looks like it does & a couple of other issues, e.g., wood flooring in the m...
by 555
Fri Apr 04, 2014 1:38 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2509

Re: 401a rollover to vanguard

The process of moving funds from a traditional IRA to a Roth IRA without tax implications, that you are talking about:

- is not call backdooring, and
- doesn't exist.
by 555
Thu Apr 03, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401a rollover to vanguard
Replies: 5
Views: 292

Re: Saving on major renovations

The house is assessed for several hundred thousand above our contract price and needs some major renovations. It really isn't helpful to get " live with it advice" when we have cash to renovate and the kitchen looks like it does & a couple of other issues, e.g., wood flooring in the m...
by 555
Wed Apr 02, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2509

Re: Being older/younger in class -- benefits, issues?

For those of you who want to delay your child reaching milestones until a later age, perhaps as well as redshirting, you could consider withholding food.
by 555
Mon Mar 31, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4835

Re: Saving on major renovations

Leemiller wrote:... we are planning to sell in a few years ...

Then you will very little time to "enjoy" your changes, and future buyers most likely will not think your changes are worth the money you paid for them.
by 555
Mon Mar 31, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2509

Re: Being older/younger in class -- benefits, issues?

http://www.nytimes.com/2011/09/25/opinion/sunday/dont-delay-your-kindergartners-start.html?_r=0 http://journal.naeyc.org/btj/200309/DelayingKEntry.pdf The only legitimate reason for redshirting is if your child is academically delayed. Of course, delaying education by a year will retard any child's ...
by 555
Sun Mar 30, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4835

Re: Saving on major renovations

The best way to save on major renovations is to not do them.
by 555
Sun Mar 30, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2509

Re: Discovered reason for taxable savings/investment

There are other incentives too that go along with measuring "income" without accounting for withdrawals from after tax accounts. For example, the calculation of subsidies for paying health insurance premiums in the healthcare.gov marketplace. I think this loophole will be closed eventuall...
by 555
Thu Mar 27, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discovered reason for taxable savings/investment
Replies: 11
Views: 1422

Re: Faulty Logic [Asset Allocation nearing Retirement]

Harpoon1 wrote:Truth is, I could get by on just the pension, if I had too, ....


In that case, an aggressive portfolio is fine. You've got your basics covered.
by 555
Sun Mar 23, 2014 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Faulty Logic [Asset Allocation nearing Retirement]

Here is the logic for why early retirement might warrant a sudden shift to a more conservative allocation. Before you retire, you have your future income (which could potentially be earned until a later retirement) which could be considered a somewhat "bond-like asset". When you retire ear...
by 555
Sun Mar 23, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Faulty Logic

There was a recent paper ... widely reported to show that rising stock allocation in retirement is helpful, but if you read the paper it actually shows that about 50/50 is optimal and it does not matter if you do something like go from 30/70 to 70/30 and average 50/50 or just hold 50/50 all along. ...
by 555
Sun Mar 23, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1844

Re: Children: Are they worth every penny?

asterix0 wrote:"For this question to even be on this forum, it should be subject to analysis."

http://en.wikipedia.org/wiki/Per_stirpes
by 555
Fri Mar 21, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4597

Re: 8 hour layover in Honolulu. How to use time.

Do you have to have child car seats in a rental car in Hawaii?
by 555
Sat Mar 15, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 51
Views: 3336

Re: How long did it take to realize compounding interest

Compounding is just multiplication.

Here's how it works. Suppose you have an asset that in years 0,1,2,3,...23,24,25 has values
a,b,c,d,...,x,y,z
The growth (expressed as a ratio) is the product
(z/y)(y/x)(x/w)...(d/c)(c/b)(b/a)
which equals
z/a

Actually, a better name is telescoping.
by 555
Sat Feb 01, 2014 5:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4048

Re: Does anyone have a bat house?

We put up a bat house, but it got colonized by wasps instead of bats.
by 555
Thu Jan 30, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1831

Re: Low Income, High Net Worth - Stories Of

I think what we are seeing is that there are posters from two different planets called HCOL and LCOL. Other than housing, I don't think most expenses really vary much by where you live. Most household stuff can be bought online. Car dealerships can't really charge a cola premium or else people woul...
by 555
Mon Jan 27, 2014 6:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11780
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