Search found 2578 matches

by Ged
Thu Jul 30, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Router Upgrade
Replies: 20
Views: 974

Re: Router Upgrade

I have an Asus AC-66R. I find the software excellent. One thing to keep in mind is that if the router comes with technologies not supported by your devices you may not be able to take full advantage of your purchase. I've been able to get 100 Mbps down with AC-66R. My WAN connection often gets 130 M...
by Ged
Thu Jul 30, 2015 7:45 pm
Forum: Investing - Theory, News & General
Topic: US Labor Productivity
Replies: 7
Views: 432

Re: US Labor Productivity

I wonder how much of this has to do with the retirement of a very large cohort of experienced workers (boomers) to be replaced by an even larger cohort of inexperienced workers (millennials).
by Ged
Thu Jul 30, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: So you think 2-factor authentication is safe? Think again.
Replies: 10
Views: 1569

Re: So you think 2-factor authentication is safe? Think again.

Broadcast your key out to the world using an insecure channel and you are subject to being hacked.
by Ged
Thu Jul 30, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please on high tax bracket, high taxable portfolio structure!
Replies: 13
Views: 1009

Re: Need advice please on high tax bracket, high taxable portfolio structure!

Given the questionable value of a small tilt in the first place I would not bother with this in my AA given your tax situation.
by Ged
Wed Jul 29, 2015 6:01 pm
Forum: Investing - Theory, News & General
Topic: A look at gold and Peter Schiff's forecasts
Replies: 11
Views: 1296

Re: A look at gold and Peter Schiff's forecasts

Peter Schiff is a broken clock. Same wrong prediction 98% of the time.
by Ged
Tue Jul 28, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 147
Views: 13858

Re: Free Windows 10 Upgrade, Yes or No?

Refurb macs with full warranty are even cheaper yet, starting at just over $400: http://www.apple.com/shop/browse/home/specialdeals/mac There's really hardly any reason to stick with Windows. Been there, done that. I was an early Mac adopter and decided Apple's closed proprietary ways were too rest...
by Ged
Tue Jul 28, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1761

Re: Fed UP With Fed Ex

Is this FedEx Ground or "real" FedEx? Just curious. Yes, FedEx air is generally much better, but cat food isn't going to be cost effective when shipped by air. My understanding is that FedEx Ground is really a network of independent contractors, and as such is subject to a lot of variatio...
by Ged
Mon Jul 27, 2015 9:29 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give...Salary bumping up from 37k to 45k annually
Replies: 15
Views: 1359

Re: What advice would you give...Salary bumping up from 37k to 45k annually

Congratulations, that's a big raise. Advice, in order of priority. Don't increase your day to day budget. Build a 6 month expenses emergency fund. Pay off any installment debt. Max out your 401K contribution up to any company match. Max out your ROTH IRA Max out your 401K I don't know what to say ab...
by Ged
Mon Jul 27, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 35
Views: 3457

Re: Low mileage oil change

sport wrote:My trusted mechanic and my owner's manual say every 6 months if you don't reach the mileage requirement. For cars that use synthetic oil, its every 12 months.


This is the method I use too.
by Ged
Sun Jul 26, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 44
Views: 2387

Re: Durability of consumer goods

For many of the large ticket items on this list like cars I like to see at least 15 years.
by Ged
Sun Jul 26, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 166
Views: 9793

Re: Would you look down on a co-worker for driving a beater?

I did once. The circumstances were that we were both at the same senior engineering level in the same Megacorp location, and often had to travel together. He was driving a patched together beater that was at the point where the floorboards were rotted out and you could see the road going by through ...
by Ged
Sun Jul 26, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: DIY auto air conditioner recharge
Replies: 22
Views: 1757

Re: DIY auto air conditioner recharge

Well, if you are going to correct someone, you should be correct yourself. So I will nitpick a little myself. Yes, Freon is a registered trademark used by DuPont for a large number of refrigerants. The two most common are R-12 previously used for automotive purposes and R-22 for stationary (home) A...
by Ged
Sun Jul 26, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Harvest Savings Bonds or Proceed to Tax-deferred
Replies: 4
Views: 346

Re: Harvest Savings Bonds or Proceed to Tax-deferred

I would take out from accounts subject to RMD requirements first so that when you hit 70.5 you won't get pushed into higher taxation by having to take money out of these accounts any more than necessary.
by Ged
Fri Jul 24, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Home Warranty company wrongfully denying claim
Replies: 15
Views: 1451

Re: Home Warranty company wrongfully denying claim

I would complain to the BBB and the State Attorney General where the company is located.
by Ged
Fri Jul 24, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Scummy telemarketing charities
Replies: 5
Views: 739

Re: Scummy telemarketing charities

I do not give money to people who call me on the telephone. Every time I've researched one of these it's either an outright scam or at least a charity that uses the bulk of its money for marketing.

As far as recording a call that you are a participant in, laws vary from state to state.
by Ged
Fri Jul 24, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: E-Statement Alert Gone for Chase Credit Card
Replies: 46
Views: 2408

Re: E-Statement Alert Gone for Chase Credit Card

I don't depend on email alerts because email is just not that reliable. It can easily get caught in a spam filter as a false positive, or otherwise lost in transit or possibly not even sent due to a bug on the sender system. Likewise I don't enable an automatic pull. There are a number of issues wit...
by Ged
Fri Jul 24, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3590

Re: Doc changing last name

My wife did the same thing, mostly because her maiden name is Hispanic sounding and most of her patients are not. She took my last name to appeal to the larger population that would be her patients. Criminey. Really? Where is this, Mississippi? My wife is Hispanic. She came to the US as a Fullbrigh...
by Ged
Fri Jul 24, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Mom Investment CEO Needs Help!
Replies: 26
Views: 2198

Re: Mom Investment CEO Needs Help!

It seems to me that a backdoor IRA conversion with all that income wouldn't be that great an idea right now. After husband retires though is could be beneficial.
by Ged
Tue Jul 21, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation for an account that will be fully depleted by a certain date (early retirement with a 457 plan)
Replies: 2
Views: 204

Re: asset allocation for an account that will be fully depleted by a certain date (early retirement with a 457 plan)

I would think you would want the funds in some sort of investment with a definite value matching the requirement. Suppose we get another 2008 in the middle of your drawdown?
by Ged
Tue Jul 21, 2015 5:54 pm
Forum: Investing - Theory, News & General
Topic: Customer Service - Fidelity 401K rollover to Schwab IRA
Replies: 26
Views: 1302

Re: Customer Service - Fidelity 401K rollover to Schwab IRA

LOL. This is nothing. Try getting money out of VALIC if you want a real challenge.
by Ged
Sat Jul 18, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?
Replies: 21
Views: 2977

Re: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?

“Unfortunately, the more complex the system, the greater the room for error.” – Obviously, when it comes to investing, Soros likes to keep it simple. He built a financial empire by adhering to this basic principle, and so should you. A simple but effective investing system will always beat a comple...
by Ged
Sat Jul 18, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: DIY auto air conditioner recharge
Replies: 22
Views: 1757

Re: DIY auto air conditioner recharge

Cars manufactured after 1993 don't use freon. Freon (not lower case) is a trademark of DuPont. It has been used for lot of different refrigerants produced by DuPont, including R-134a which is the most common refrigerant used in cars today. It was replaced by HFO-1234yf in most new cars in 2014 or so.
by Ged
Sat Jul 18, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a decent time to buy gold? [Portfolio help]
Replies: 88
Views: 6837

Re: Is now a decent time to buy gold?

Warren Buffet's gold meme is my favorite:

Gold gets dug out of the ground in Africa, or some place. Then we melt it down, dig another hole, bury it again and pay people to stand around guarding it. It has no utility. Anyone watching from Mars would be scratching their head.
by Ged
Fri Jul 17, 2015 10:00 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs Active Stock Selection
Replies: 49
Views: 3715

Re: Indexing vs Active Stock Selection

they own maybe 4 or 5 well known brands paying 5-7% dividends I'd like to know the names of 4 or 5 well known brands paying 5%-7% dividends. In the US it's harder than in many other markets these days because prices are are not that low so yields are lower (I believe Maynard is in the UK), but here...
by Ged
Fri Jul 17, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Merchant credit card surcharge - California
Replies: 19
Views: 1695

Re: Merchant credit card surcharge - California

So I complained to golf course via their feedback page, and also lodged a complaint with the Attorney General via website. I doubt either of these actions will have any effect. I've generally found complaints to the AG are very effective, however slow to get results. They can be a nuclear option th...
by Ged
Fri Jul 17, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Analysis Paralysis
Replies: 10
Views: 1233

Re: Analysis Paralysis

I would go for the new car from the list of very sensible choices you have listed. Car loan interest rates are near to or actually zero and your finances otherwise seem very sound.
by Ged
Thu Jul 16, 2015 4:09 pm
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2168

Re: Home landscaping dilemma

mhc wrote:Go for the ideal backyard if you will enjoy it and can afford it. It's only $10-15k extra.


+1.
by Ged
Thu Jul 16, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax backup to cloud discontinued for desktop version only
Replies: 3
Views: 369

Re: Turbotax backup to cloud discontinued for desktop version only

I would not store my Turbotax files on the cloud. The idea makes my skin crawl.
by Ged
Thu Jul 16, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Getting a new roof on home before home sale. Looking for advice.
Replies: 13
Views: 670

Re: Getting a new roof on home before home sale. Looking for advice.

He insisted that it made a big difference to the life of the shingle because airguns tend to shoot the nail too far into the shingle. Not to get off topic but he must have had the air pressure adjusted way off then. When I did roofing we always used nail guns and they never went too far into the sh...
by Ged
Wed Jul 15, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Strange Spam Email Situation - Could this be malware?
Replies: 11
Views: 959

Re: Strange Spam Email Situation - Could this be malware?

What you have discovered is the wonderful phenomenon of backscatter. Basically a spammer picks a domain out of his hat and uses it for the origin of mail he is sending for the purpose of trying to avoid spam filters. Lucky you, he picked your domain. When his beam of mail hits a target server that a...
by Ged
Tue Jul 14, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Grown Children as beneficiaries
Replies: 33
Views: 3222

Re: Grown Children as beneficiaries

I would hate to try to predict the future and what your children will do with the money. You never know when they change their views.

I'd give equal shares. However establishment of some sort of trust to protect the money from divorce or creditors is worthwhile if the estate is in 7 figures or more.
by Ged
Tue Jul 14, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7529

Re: Are you going to shop on Prime Day?

I will take a look at what they offer.
by Ged
Tue Jul 14, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Any empirical evidence that suggests waiting for a dip
Replies: 56
Views: 3593

Re: Any empirical evidence that suggests waiting for a dip

Great article illustrating some of the problems with backtesting:

Stupid Data Miner Tricks: Overfitting the S&P 500

http://nerdsonwallstreet.typepad.com/my ... e_2000.pdf
by Ged
Mon Jul 13, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: Wiring home network cable type?
Replies: 30
Views: 1929

Re: Wiring home network cable type?

Another option is IP over your electrical wiring. I use that to connect my modem/wifi with another wifi in another part of the house. Works great. I have one of those, a recent highly touted model, and in my testing it didn't work well at all. Tried in my home and another building; they worked only...
by Ged
Mon Jul 13, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 46
Views: 10545

Re: Totally Stressed. Husband lost job.

when this first happened i was working p/t 15 hours a week - luckily i have a FANTASTIC boss and he gave me as much hours as i wanted, so i was able to put in about 28+ hours a week. Then i also got my name in the school system as a para so the entire school year i was working 2 jobs plus p/t at Ma...
by Ged
Sun Jul 12, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 1699

Re: Mini-split air conditioner

I put one in my garage which is actually a shop now. It was a huge improvement during the summer. Love it.
by Ged
Sat Jul 11, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Hassle of Inheriting a Brokerage Account"
Replies: 19
Views: 2924

Re: WSJ: "Hassle of Inheriting a Brokerage Account"

I was the executor of my father's estate which included a mid 6 figure brokerage account at Fidelity. I had no problems taking control of the account, and in addition they assigned me a specific customer service person to help me gather information needed for taxes etc. It was such a positive experi...
by Ged
Sat Jul 11, 2015 9:19 pm
Forum: Investing - Theory, News & General
Topic: scared of the future
Replies: 15
Views: 2348

Re: scared of the future

You need to determine goals for your money and then decide on a plan that will help you achieve those goals. Just putting money into the market willy-nilly will lead to the sort of thing you just went through. Potentially it could lead to making a decision that would be quite costly. There are a lot...
by Ged
Thu Jul 09, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Please help me improve my online security
Replies: 24
Views: 2425

Re: Please help me improve my online security

Another thing to consider is your router. There are a lot of these that are not adequately supported by the vendor. Having a quality router where the vendor updates the software frequently is important. Several have mentioned the need to update the computer OS regularly; this applies to routers as w...
by Ged
Thu Jul 09, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16933

Re: OPM breach and credit freeze

This is not 21 million people. The EQIP SF86 data includes SS numbers for family members as well. Children, siblings, spouses and parents.

So this could be as many as 100 million SS numbers.
by Ged
Thu Jul 09, 2015 6:28 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 14693

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

No. I did some calculations along the way to check my progress, maybe every 5 years or so. I also went by my father's advice to save 15% of the family gross for retirement which worked out great.

I now have much more than I'll ever need which will be important for my children.
by Ged
Wed Jul 08, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 3786

Re: Vanguard phonecall asking for personal information

The Wizard wrote:I don't think my cell phone works that way...


Probably not.. I think that tactic would only work on switched circuit phone systems. Anything that uses VOIP as the underlying technology uses packet switching. There is no connection to keep open when either end hangs up.
by Ged
Tue Jul 07, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest in OIL
Replies: 58
Views: 3708

Re: Best way to invest in OIL

Hi I am looking forward to invest in OIL and wanted to see if group has any good suggestions on how to do it. Please let me know if you have any suggestions. I wouldn't do it. There is likely a long term decline in oil prices relative to manufacturing output. This implies that it is better to inves...
by Ged
Sun Jul 05, 2015 9:32 am
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2140

Re: Camera Experts Wanted

Rob5TCP wrote:
I am adding a big caveat: though the offer is from NewEgg and I find them highly respectable
The vendor they are selling this for is called ValueBasket and there is little about them.


Not likely to be an authorized dealer, you may not get a warranty from a place like that.
by Ged
Sat Jul 04, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring 403b funds to Vanguard
Replies: 7
Views: 382

Re: Transferring 403b funds to Vanguard

Some employers allow in-service rollovers. You need to check with your employer to see what the rules are.
by Ged
Sat Jul 04, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman on Market Timing
Replies: 86
Views: 5850

Re: Paul Merriman on Market Timing

You don't quite have to be right twice for market timing, or at least not perfectly right. But even ballpark right is difficult. I think that it's not a matter of being exactly right, rather it's a matter of not being wrong. Suppose you are one of those people who sold at the bottom of 2009 and are...
by Ged
Fri Jul 03, 2015 9:11 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 61
Views: 5621

Re: What is the Duration of Your Bond Portfolio? And Why?

My bond portfolio duration is about 5 years. There are two holdings, VCSH and Total Bond, roughly 50/50. This is part of my early retirement portfolio of 40/60 equities/bonds. I anticipate drawing down about 1/2 the VCSH in retirement, mostly during the early stages while I delay SS. This is where m...
by Ged
Fri Jul 03, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 32
Views: 3678

Re: Average raises for promotions

At the two megacorps where I worked in the past 30 years there were salary schedules for each pay grade. As I recall each pay grade was about 10% higher for the salary midpoint. So a promotion with a 20-25% rise in base pay is much higher than my experience with large industrial corporations would ...
by Ged
Thu Jul 02, 2015 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4420

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

A 5.75% load sounds like a 1 time event - and it is, but it has a serious effect on the eventual portfolio value. Neglecting the high fees associated with loaded funds, the ending portfolio will always be 5.75% less than it would have been without the load. You really can't neglect the ER though. O...
by Ged
Tue Jun 30, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?
Replies: 53
Views: 4403

Re: Healthcare cost - Office Visit - negotiated insurance rate higher than cash rate?

how is it fair that the provider performs the service, gets paid zero from the insurance company, receives a significantly reduced allowance for his services and then has to try and collect the bill. Would something like 1.5 times the largely discount fee be fairest for all. Obviously, if the bill ...

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