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Re: CPI - u calculation changed?

But I still don't get the owl thing.
by Cyclone
Sun Oct 27, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: CPI - u calculation changed?
Replies: 19
Views: 1254

CPI - u calculation changed?

At least according to this website, the calculation has changed:

http://www.shadowstats.com/alternate_da ... ion-charts
by Cyclone
Sat Oct 26, 2013 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: CPI - u calculation changed?
Replies: 19
Views: 1254

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

This weekend Joseph A Bank is having a sale at their website. Almost everything is 70 percent off, with free shipping if you buy over $50. The Signature wrinkle-free shirts are $40.50. I bought my father's Christmas present, and something for myself.
by Cyclone
Sat Oct 26, 2013 11:57 am
 
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 40
Views: 9975

Re: Suggestions for a new printer?

Several years ago I called Canon about a similar problem, and I needed a new printer head for an obsolete printer. They directed me to a special loyalty website for existing customers, and I found a new one there that I am very happy with.
by Cyclone
Sun Oct 06, 2013 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a new printer?
Replies: 16
Views: 1319

Re: Grandma has way over FDIC limit. What to do.

A bank should be reluctant to help a customer restructure their accounts to maximize FDIC insurance. If the bank is wrong and the person is not covered, there could be liability. I was a bank examiner myself, and it is very common for banks to have uncovered deposits. It's not that difficult to look...
by Cyclone
Sun Oct 06, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Grandma has way over FDIC limit. What to do.
Replies: 40
Views: 3885

Re: Main Bogleheads.org Website Not Working?

Thanks everyone for the help. Why, yes I am a U-verse customer, and that is my modem. I will try some of those fixes. I have been happy with the U-verse service until this, but at least I think I can figure out a solution. And apparently I am not going crazy (yet).
by Cyclone
Sun Sep 29, 2013 4:58 pm
 
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 1890

Re: Main Bogleheads.org Website Not Working?

Here is what I get: <!-- BH Logo --> <div id="site-description"> <!-- ./ includes trailing slash --> <a href="http://www.bogleheads.org" title="Bogleheads home" id="logo"><img src="./images/icon_Bogleheads_52x52.png" border="0"></a> <h1><a ...
by Cyclone
Sun Sep 29, 2013 12:13 am
 
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 1890

Re: Main Bogleheads.org Website Not Working?

If I click on that "compass" or logo in the upper left corner ("Bogleheads home"), it jumps to this:
http://www.bogleheads.org/cgi-bin/redirect.ha

That is using Chrome. With Internet Explorer it works fine for me.
by Cyclone
Sat Sep 28, 2013 11:21 pm
 
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 1890

Main Bogleheads.org Website Not Working?

When I try to go to the main Bogleheads.org website I get a message, "The requested URL is not found on this server." Does that happen to anyone else? I can go to any other website with no problem.
by Cyclone
Sat Sep 28, 2013 1:03 pm
 
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 1890

Re: Help! uh oh Parents bought me whole life insurance...

My parents bought a life insurance policy for me when I was born. It was supposed to pay my college expenses, and was worth a whopping $1000 when I graduated from high school in 1981. That money didn't go very far.
by Cyclone
Sat Sep 21, 2013 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! uh oh Parents bought me whole life insurance...
Replies: 30
Views: 2978

Re: Best deals on gyms

This probably isn't the lowest-cost option, but my wife and I belong to an LA Fitness Signature club. It is $40 a month each, but it takes us only about a minute to walk there and we save a lot on gas and time. We take advantage of the classes, which are "free" (no additional cost). The Si...
by Cyclone
Sat Sep 21, 2013 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Best deals on gyms
Replies: 40
Views: 2696

Re: best cash back credit card

My wife received a letter yesterday about "exciting new changes" coming to the rewards program with her Capital One card. It used to be 2 percent cash back on "travel-related purchases", and 1 percent on everything else. Now it is 1 percent on everything! Isn't that exciting!? Pe...
by Cyclone
Sat Sep 21, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 30041

Re: Help switching Insurance - anyone use Geico??

I had a very bad experience were the other party was at fault and was insured by GEICO. They dragged their feet on paying me for a year even after an arbitrator ruled against them. Nothing but a bunch of crooks in my opinion. State Farm, too. Farmers was good, though. Personally I use 21st Century (...
by Cyclone
Fri Sep 06, 2013 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2311

Re: How much should remain in liquid savings after buying a

The Fannie Mae underwriting guidelines generally require six months of loan payments in reserve, so that is what most lenders are going to look for.
by Cyclone
Sun Sep 01, 2013 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much should remain in liquid savings after buying a home
Replies: 23
Views: 2366

Re: FDIC explained? Maximum possible FDIC for a couple per

Large depositors (such as a state or county) have the bank pledge collateral such as a Treasury bill against their deposit. I don't know if banks would do that for individuals.
by Cyclone
Sat Aug 31, 2013 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: FDIC explained? Maximum possible FDIC for a couple per bank
Replies: 20
Views: 1638

Re: Can I get the bank to allow me to rent out my place?

Believe it or not, banks do check (or at least they are supposed to). That is one of my responsibilities at the bank where I work. I don't do a rental inspection. I review if the customer's mailing address has changed to another location, or if the type of insurance policy has changed. For example, ...
by Cyclone
Sat Aug 31, 2013 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get the bank to allow me to rent out my place?
Replies: 20
Views: 1996

Re: Leaving Office and iWork for Google

Are documents created in Google Docs compatible with Word?
by Cyclone
Tue Aug 27, 2013 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Leaving Office and iWork for Google
Replies: 21
Views: 1641

Re: Does a home mortgage use Simple or Compund Interest?

I don't know if this will answer the question or make things worse. I was back at work at my bank today, and I looked into the loan profiles of our home mortgage loans. These are ordinary fixed-rate, Fannie Mae loans. There are four choices for the interest method in our data system: amortize, compo...
by Cyclone
Tue Aug 13, 2013 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 126
Views: 8380

Re: Transferring cash to the US for green card resident

I think you may be getting confused. CURRENCY (green pieces of paper) transactions over $10,000 into or out of a US bank account are reported. Wire transfers are not. Is that your worry?
by Cyclone
Thu Aug 08, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring cash to the US for green card resident
Replies: 8
Views: 419

Re: Transferring cash to the US for green card resident

I assume you are talking about a wire transfer, and not actual "cash"? I don't know of any problem offhand. If she pays income tax in the US, this might be taxable.
by Cyclone
Thu Aug 08, 2013 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring cash to the US for green card resident
Replies: 8
Views: 419

Re: Threat of losing Car Insurance after one accident

A new insurance company is going to ask if the driver had any accidents during a previous number of years, and the answer will truthfully have to be "yes", so I don't see the point of trying to switch insurance companies at this point.
by Cyclone
Wed Aug 07, 2013 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Threat of losing Car Insurance after one accident
Replies: 21
Views: 1658

Re: Does a home mortgage use Simple or Compund Interest?

I don't know what you call it, but I know it isn't simple interest. I work in a bank, and one of my jobs is to make sure the new home mortgage loans are NOT set to simple interest. What this means is that I make sure the little box in front of the simple interest box is not checked in the loan's pro...
by Cyclone
Tue Aug 06, 2013 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 126
Views: 8380

Re: JonoJono1: Improve, Revise, Update, Debug Simba's Backte

I have been playing with the compatible version using LibreOffice, and it seems to be working fine.
by Cyclone
Sat Aug 03, 2013 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 606
Views: 371368

Re: Why can't I get a "demand account" at Vanguard?

Maybe a little off topic (but then I'm not clear what the topic is), but Charles Schwab Bank is not some tiny operation. It's the 20th largest bank (or rather bank holding company):
http://www.ffiec.gov/nicpubweb/nicweb/Top50Form.aspx
by Cyclone
Thu Aug 01, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Why can't I get a "demand account" at Vanguard?
Replies: 48
Views: 6090

Re: Seeking alternatives to hotels or extended stays

How can somebody talk about food in Cincinnati and forget about the chili? I liked Gold Star better than Skyline, but everyone has their own opinion. I think the best flavor at Graeter's is mocha chip. Waffle House can be fun too, if they don't have them where you live now.
by Cyclone
Tue Jul 30, 2013 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Seeking alternatives to hotels or extended stays
Replies: 20
Views: 1484

Re: Spreadsheet for backtesting (includes TrevH's data)

I am hoping that somebody with ambition can update the LibreOffice version. I love the spreadsheet but I don't have the skills to update it.
by Cyclone
Sat Jul 13, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 606
Views: 371368

Re: Pen Fed 5 year equity loan. Weird!

Obviously they only have a partial understanding of the regulations. She is right that the cost of the appraisal has to be on the GFE even if the lender is paying the appraisal fee. But it should not be on the GFE if there will be no appraisal at all. The GFE has to list all fees known to the lender...
by Cyclone
Thu Jul 04, 2013 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pen Fed 5 year equity loan. Weird!
Replies: 24
Views: 2523

Re: "Why yes, yes I am."

Perhaps the girlfriend was saying that between paying for student loans and rent in a high-cost area, it is extremely difficult to have money left over for savings. That wouldn't be an entirely unreasonable thing to say.
by Cyclone
Sun Jun 23, 2013 1:44 pm
 
Forum: Personal Consumer Issues
Topic: "Why yes, yes I am."
Replies: 39
Views: 6718

Re: Covered parking

I don't think it's just the paint. I lived in Phoenix for six years, and all of the car's parts seemed to get damaged from the heat (especially the battery). I wish covered parking was available in the complex where I lived and maybe my poor Honda would have lasted longer.
by Cyclone
Wed Jun 12, 2013 12:31 am
 
Forum: Personal Consumer Issues
Topic: Covered parking
Replies: 8
Views: 953

Re: Is it important to establish a credit history? If so, h

I was thinking of renting a car with CASH. Now that is nearly impossible. A debit card will work but can be awkward if you have an accident.
by Cyclone
Fri May 31, 2013 2:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it important to establish a credit history? If so, how?
Replies: 18
Views: 912

Re: Frustration with Ally Bank

To clarify the Patriot Act rules, yes banks must confirm your identity when you are a NEW customer. For an existing customer opening additional accounts they do not. This is simply Ally's overcautious policy for some reason.
by Cyclone
Wed May 29, 2013 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Frustration with Ally Bank
Replies: 26
Views: 5154

Re: Is it important to establish a credit history? If so, h

It is nearly impossible to rent a car without a credit card. Come on, join the rest of us and get some cards. There are plenty out there with no annual fee and no interest if you pay every month.
by Cyclone
Wed May 29, 2013 9:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it important to establish a credit history? If so, how?
Replies: 18
Views: 912

Re: Small Loan Refi Suggestions. Please!!!

Do you live in the Boston, Miami, or Los Angeles areas? I know that the bank where I work will make a loan for that amount. You could try reminding Penfed and the others that under the fair lending laws they are required to serve everyone. I know of banks that have been hit with enforcement actions ...
by Cyclone
Fri May 10, 2013 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Small Loan Refi Suggestions. Please!!!
Replies: 18
Views: 681

Re: Dining out : Special requests

My wife works in a McDonald's. Someone once ordered a cheeseburger with no cheese.
by Cyclone
Sun May 05, 2013 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 3115

Re: Real Estate Closing

Per regulation you are allowed to inspect the HUD-1 one day before closing: § 3500.10 One-day advance inspection of HUD-1 or HUD-1A settlement statement; delivery; recordkeeping. (a) Inspection one day prior to settlement upon request by the borrower. The settlement agent shall permit the borrower t...
by Cyclone
Mon Apr 22, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Closing
Replies: 18
Views: 1529

Re: Can the average investor make money in real estate?

I have worked in banks for close to 30 years, and I have literally seen hundreds of apartment loans to mom-and-pop investors. The ones that do the best have: lots of liquid assets invested in something intelligent, and outside jobs or other income. The ones that are 100 percent invested in real esta...
by Cyclone
Mon Apr 08, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can the average investor make money in real estate?
Replies: 50
Views: 5054

Re: High Yield Fallen Angel Bonds BB

I liked the book Expected Returns as well.

I don't know how to post the graph here, but if you go to Bigcharts.com and compare ANGL with HYG, over the past 12 months ANGL is very slightly ahead. One year is a short comparison time, however.
by Cyclone
Fri Apr 05, 2013 11:07 am
 
Forum: Investing - Theory, News & General
Topic: High Yield Fallen Angel Bonds BB
Replies: 3
Views: 359

Re: Avoiding Primary Mortgage Insurance

It looks like you have enough opinions to make a decision, but I'll pile on. Think about it - does the insurance benefit you or the bank? On the other hand, I work for a bank. If your mortgage is with us, by all means get the PMI! Best money you will ever spend.
by Cyclone
Fri Mar 22, 2013 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding Primary Mortgage Insurance
Replies: 18
Views: 1394

Re: New Auto: One payment lease vs. buy outright?

I did this and it worked out great for me. I thought it must be a trick, too. Somebody pointed out that the financing firm gets tax benefits for the three years (depreciation - technically they own the car), so I guess that is where they make their money.
by Cyclone
Mon Mar 11, 2013 10:56 pm
 
Forum: Personal Consumer Issues
Topic: New Auto: One payment lease vs. buy outright?
Replies: 12
Views: 2559

Re: How much of a price do you put on vehicle safety?

Hey, it's no joke. No matter how carefully you drive, anyone can be in an accident. I started as a volunteer when I was 14 years old, believe it or not. I saw the aftermath of plenty of accidents, and I can still smell the blood. Sorry if that's a little graphic. You can't control everything, but on...
by Cyclone
Sun Mar 10, 2013 11:03 pm
 
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 2809

Re: How much of a price do you put on vehicle safety?

I was a volunteer Emergency Medical Technician in my hometown, and I have been in several serious accidents (not my fault). It doesn't matter how or where I drive if the other drivers aren't paying attention to safety. I don't think it's worth saving a few pennies driving a smaller or cheaper car - ...
by Cyclone
Sun Mar 10, 2013 3:51 pm
 
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 2809

Re: Need android app for finding car in crowded parking lot

A somewhat-related anecdote. I read awhile ago that in the days when Disneyland still had a giant parking lot (instead of the structures they have now), the parking attendants in the morning would sometimes direct all of the white cars to park in the same section, just to create confusion later on.
by Cyclone
Mon Mar 04, 2013 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Need android app for finding car in crowded parking lot
Replies: 21
Views: 1241

Re: Dropping XM and Sirius

AC/DC 24 hours a day? Why didn't anybody tell me? I NEED THIS!
by Cyclone
Fri Mar 01, 2013 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Dropping XM and Sirius
Replies: 19
Views: 2253

Re: How do you find Mrs. Boglehead?

I found my wife in the Philippines, through the Internet. To her a $20 dress is expensive. I wasn't really looking for someone frugal, but I did want down-to-earth. This might be surprising but I wasn't finding any down-to-earth women in Beverly Hills, where I live.
by Cyclone
Sat Feb 09, 2013 10:50 am
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 9957

Re: The High Cost Of Index Funds (for me)

Maybe my answer wasn't clear. My understanding was that if someone owns shares of XOM, to use an example, they may be able to trade it for shares of a mutual fund that owns XOM. They get diversification without triggering any taxes. But that was a long time ago that I read it, and I wouldn't be able...
by Cyclone
Sat Feb 02, 2013 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: The High Cost Of Index Funds (for me)
Replies: 20
Views: 2503

Re: The High Cost Of Index Funds (for me)

I read a long time ago that if you own stocks, you can sometimes trade them into a mutual fund for shares in that fund, and it is not a taxable event. It would probably depend on the type of stocks you own and the type of mutual fund in which you want to invest.
by Cyclone
Sat Feb 02, 2013 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: The High Cost Of Index Funds (for me)
Replies: 20
Views: 2503

Re: I Wrecked The Rental Car

I just signed up. The cost is $18 for California residents, if that changes anyone's cost/benefit analysis.
by Cyclone
Sat Feb 02, 2013 1:16 pm
 
Forum: Personal Consumer Issues
Topic: I Wrecked The Rental Car
Replies: 28
Views: 5279

Re: I Wrecked The Rental Car

How do you sign up for the Amex $25 a day coverage? I am not finding it on the website.
by Cyclone
Sat Feb 02, 2013 12:03 pm
 
Forum: Personal Consumer Issues
Topic: I Wrecked The Rental Car
Replies: 28
Views: 5279

Re: How Can I Tell If My Dentist is Good One?

With my dentist I got lucky. He taught at a dental school part time. He was moving out-of-state to work full time at another teaching hospital and he sold his practice to a recent graduate, so I am pretty sure he picked out someone good. By the way the new guy's name is "Doctor Payne", so ...
by Cyclone
Thu Jan 31, 2013 1:35 am
 
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 9121

Re: Auto insurance (in this study, Geico consistently lowest

I had very bad experiences with both Geico and State Farm where the other party was insured by them, and I was not at fault. I would rather stick needles in my eyes than give my business to either of those two. I did have a good experience when the other party was insured by Farmers (another acciden...
by Cyclone
Thu Jan 31, 2013 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto insurance (in this study, Geico consistently lowest cos
Replies: 32
Views: 3263
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