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Re: NJ - Buying house in flood zone (FEMA)?

Remember, with a 100 year flood zone you have a 30% chance of getting flooded during the life of your 30 year mortgage. It is actually worse than that sounds. A "100 year flood zone" still has the same chance of being flooded in the future after a flood so if you get flooded in year 10 of...
by Ged
Fri Oct 24, 2014 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 27
Views: 983

Re: Best health insurance plan for a bad year (cancer)?

Looks to me like #2 gives you better flexibility should you want to go to some fancy pants specialist.
by Ged
Fri Oct 24, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 11
Views: 423

Re: What is the recommended amount of international holdings

I would welcome any thoughts of desired percentages of international equites in one's portfolio. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the discussion and the Vanguard paper link . Vanguard splits the difference and uses 30% in their ...
by Ged
Fri Oct 24, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 15
Views: 1420

Re: VCR Head Cleaning

roymeo wrote:Is there any place to buy VCR head cleaner anymore? Do porn stores and head shops still carry it?


Amazon and EBay.
by Ged
Fri Oct 24, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 13
Views: 860

Re: NJ - Buying house in flood zone (FEMA)?

I would not do it. I have a house that is uphill from and maybe 100 feet from the edge of a floodzone and it occasionally makes me nervous even though in the 20+ years I've lived here there haven't been any floods even in the floodzone. Remember, with a 100 year flood zone you have a 30% chance of g...
by Ged
Fri Oct 24, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 27
Views: 983

Re: Fidelity

definitely a nicer web site I used to agree with you on this point. However, Fidelity is rolling out a completely redesigned website - it is a total cluttered mess. I think they must have hired Yahoo's webdesigners. I actually like the new web design. It requires fewer clicks for me to find what I ...
by Ged
Fri Oct 24, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity
Replies: 14
Views: 1430

Re: How often do you change your car's oil?

I heard of a study by the military where they never changed the oil in a select group of HUMVEES and only added oil when it was low. IIRC there was no statistical difference in engine replacement time. My anecdote is that I have a friend with a Isuzu Trooper who destroyed his engine at 50K miles by...
by Ged
Fri Oct 24, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 64
Views: 2547

Re: IBM: Stock Buybacks Gone Wrong?

Nowhere in all of Warren Buffett's text do I see any mention of whether he thinks IBM is continuing to make good products or provide good services . Maybe he takes it for granted. IBM has an immense panalopy of products and services. Some are obviously very good, others not so much. The thing that ...
by Ged
Fri Oct 24, 2014 12:26 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3770

Re: Thunderbird [e-mail client] Question

After years of not trusting Google for my Email I've finally decided to make the switch from Comcast Email to Gmail. I want to set up T-Bird as client to both the Comcast and Gmail accounts during the transition. I've used T-Bird for multiple POP accounts before, but can it also handle POP (Comcast...
by Ged
Fri Oct 24, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Thunderbird [e-mail client] Question
Replies: 4
Views: 547

Re: How often do you change your car's oil?

Once a year. Like most retired people I'm around 5K miles a year. The manufacturer doesn't give a mileage recommendation - just change it when the computer tells you to. Usually I'm around 60% remaining life when I change the oil. Letting it go more than a year makes me nervous. Plus I like to let t...
by Ged
Thu Oct 23, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 64
Views: 2547

Re: Mr. Market turns on Amazon

ogd wrote:Amazon has so little earnings because they constantly expand.


How much of that is focused on relevant projects and how much frittering away earnings on ridiculous side projects?

Image
by Ged
Thu Oct 23, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 36
Views: 2961

Re: Older Women and Challenges of Wealth

"an annuity or another financial product" sounds fishy to me.

If this was an honest article the quote would be more focused.
by Ged
Thu Oct 23, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Older Women and Challenges of Wealth
Replies: 3
Views: 840

Re: Phone for Europe trip

If you only need data and text I would second T-Mobile's plans. My wife consulted with T-Mobile prior to taking her phone over to Spain. Despite the promise that her phone would work in Spain, it didn't. She didn't want to waste precious time dealing with the "why not" of it. Don't know i...
by Ged
Thu Oct 23, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 22
Views: 981

Re: Do you regret buying your home?

No, I don't regret buying my home. In my experience any home you buy or rent will have some features that you don't like. Buying gives you more opportunity to address some of these more than renting does. I will say it would be nicer if the home was in a more scenic location though - but that was re...
by Ged
Thu Oct 23, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 66
Views: 4438

Re: Fidelity

It really doesn't matter much if you rollover to Vanguard or rollover to a Fidelity IRA. Both offer good low cost index funds. You can also buy Vanguard ETFs from Fidelity for a nominal trading fee. For historical reasons I have my investments at Fidelity however they are mostly in Vanguard ETFs. In...
by Ged
Thu Oct 23, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity
Replies: 14
Views: 1430

Re: TSA [is it a hassle to opt out of scanning?]

"and treat the TSA agents respectfully" I go through the scanner and if challenged in the least always treat the TSA agents with disdain/contempt. They don't deserve my respect. FWIW. Some day it would be nice for you to walk a mile in their shoes. I would like to think that conscience wo...
by Ged
Thu Oct 23, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2084

Re: Forbes Article On Active vs Passive Investing

As far as Forbes goes my impression is Bertie >> Malcolm >> Steve.
by Ged
Thu Oct 23, 2014 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3691

Re: Phone for Europe trip

by Ged
Thu Oct 23, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 22
Views: 981

Re: TSA [is it a hassle to opt out of scanning?]

eucalyptus wrote:"and treat the TSA agents respectfully"

I go through the scanner and if challenged in the least always treat the TSA agents with disdain/contempt. They don't deserve my respect. FWIW.


Some day it would be nice for you to walk a mile in their shoes.
by Ged
Thu Oct 23, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2084

Re: US Chip & Signature --> Chip & PIN 2020

Apple pay with single use numbers seem to be a winner to me. Here is one case where Apple may prove to have more marketing clout than Google in a very important way. Google Wallet which has been around for 3 years uses the single use number concept over NFC just as Apple Pay does. For one reason or...
by Ged
Wed Oct 22, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1289

Re: TSA [is it a hassle to opt out of scanning?]

I thought TSA removed all of the X-Ray machines and is now only using millimeter wave scanners?

http://www.propublica.org/article/tsa-r ... m-airports

Millimeter wave is RF more or less of the type used by cell phones.
by Ged
Wed Oct 22, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2084

Re: Long Term Care Insurance - Should I Keep?

For me the primary purpose of LTCI is protecting your legacy for your heirs.

If you don't care about this then maybe cancellation is a reasonable idea. Otherwise I think your policy is probably worth keeping. I would not expand it. I think your coverage is fairly decent as is.
by Ged
Wed Oct 22, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance - Should I Keep?
Replies: 11
Views: 889

Re: IBM: Stock Buybacks Gone Wrong?

I think it's going to take a lot more than stock buyback mistakes to kill IBM. This company still has immense technical and financial resources, and what is probably the best corporate R&D organization in the world. It may have lost it's way but that is far from being dead. Many large companies ...
by Ged
Wed Oct 22, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3770

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

I think that engineers are better equipped than the general populace to understand the basis of Boglehead investing. However I can't say that I've seen any real systematic evidence that engineers are actually more likely to be Boglehead investors. And please remember that the plural of anecdote is n...
by Ged
Tue Oct 21, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 109
Views: 6458

Re: Gross Yearly Income needed in Retirement (Speculation)

I live in a HCOL area and it looks like about 70-80K for a comfortable upper middle class lifestyle, another 20K or so for travel - some US plus one-two international trips a year.

DW and I both have SS and some pension income plus low 7 figure investments so we are in pretty good shape.
by Ged
Tue Oct 21, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 94
Views: 6348

Re: best method of selling my car

You may want to check the laws in your state about selling a car without properly working safety equipment. There may also be personal liability issues.
by Ged
Tue Oct 21, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: best method of selling my car
Replies: 18
Views: 1036

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Cognitive biases just like everyone else.
by Ged
Tue Oct 21, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 109
Views: 6458

Re: How do you wash your car?

I take my car to the full service wash and interior clean in the spring and before I go out to lunch with former coworkers. :twisted:
by Ged
Tue Oct 21, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 141
Views: 6029

Re: Multiple Fake "Thank you for your order"?

ResearchMed wrote:Memory eating parasites?

Maybe that's my problem, why this disturbed me.

That must be it! :twisted:

RM


Hope not. It's the subject line for one of the common message types - ones that are trying to sell Alzheimer's cures.

Perhaps the most disgusting type of spam I've seen.
by Ged
Tue Oct 21, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2288

Re: Can Navigation be added to a new Toyota Sienna?

We just purchased a new 2015 Toyota Sienna for my wife, not the most expensive model but not far from it. We just learned it does not have Navigation on the main screen, my wife is shocked. Can it be added? I know there are peripheral devices that work, but can it be added to the main screen of the...
by Ged
Tue Oct 21, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Can Navigation be added to a new Toyota Sienna?
Replies: 7
Views: 405

Re: Multiple Fake "Thank you for your order"?

I've just received a series of what are obviously fake "order confirmation" emails, each from a different weird return email address, with the "Subject" header being only my email address that was used in the "To" header. These are supposedly for mid 4-figure charges. ...
by Ged
Mon Oct 20, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2288

Re: Anyone cancelling travel plans?

ResearchMed wrote:We are donating to Doctors Without Borders (MSF), and we are both a bit in awe of those who continue to head over there to help with direct patient care.
RM


+1
by Ged
Mon Oct 20, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6277

Re: DOW Watchers Stomach Syndrome

I was thinking today about how often in the past that IBM has been recommended as a widow and orphan stock, or how many ex-ibm'ers there must be with concentrated holdings in this one company. This is just another lesson why concentrated holdings are very very risky. With a side lesson that the Dow ...
by Ged
Mon Oct 20, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2087

Re: Do heirs inherit estate losses?

The executor should issue a K-1 to the beneficiaries.
by Ged
Sun Oct 19, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do heirs inherit estate losses?
Replies: 4
Views: 788

Re: Anyone cancelling travel plans?

MSchleicher wrote:I wouldn't even call what is happening in Dallas to be a situation. As of right now, three people in Dallas have been diagnosed as having Ebola.



Three people were diagnosed. None of them are even in Dallas any more.
by Ged
Sun Oct 19, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6277

Re: DIY Winterizing Sprinkler / Irrigation System

Home Depot for the adapter. However....

It isn't just pressure but flow rate at pressure that you need. The problem is the flow rate you need is quite large - it's very unlikely that a homeowner will own a large enough compressor.

http://www.hunterindustries.com/winteri ... ion-system
by Ged
Sun Oct 19, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1414

Re: Kindle HDX or iPad Air?

I have a Nexus 7. I've been waiting for a while to be able to watch Amazon Prime video on it. Coming Real Soon :D :D :D . No more waiting, it's here! They released it a few weeks ago. http://www.cnet.com/news/amazon-prime-instant-video-arrives-on-android/ I wish. The installation for this really do...
by Ged
Sun Oct 19, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1412

Re: Kindle HDX or iPad Air?

BigJohn wrote:Ged or Afty,

Is there an app that will let me read my Kindle books on the Nexus 7?


Yes, there is a nice Kindle app for the Nexus 7. In fact my primary use for a tablet is ebooks.
by Ged
Sun Oct 19, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1412

Re: Kindle HDX or iPad Air?

I have a Nexus 7.

I've been waiting for a while to be able to watch Amazon Prime video on it. Coming Real Soon :D :D :D .

Otherwise I've had no problems at all. After all it is the Android reference platform and it comes bloatware free.
by Ged
Sun Oct 19, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Kindle HDX or iPad Air?
Replies: 17
Views: 1412

Re: Health care tilt

Really, the evidence that those inside an industry (or a company) that aren't actually doing anything illegal have a knowledge advantage in trading is non-existent. Worse yet there is probably a Dunning - Krueger - like effect that biases people to invest in the area where they work because they 't...
by Ged
Sun Oct 19, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3719

Re: "I've had it" at work - how often

From when I started work until my late forties it didn't happen once. Then I had a bad period mostly due to nepotism in the company. After that I had a bad period when a different company was in the process of going under, in my mid 50's. Mostly the management was systematically eliminating the life...
by Ged
Sun Oct 19, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12324

Re: Anyone cancelling travel plans?

My wife and I have travel plans to South America and Europe over the next year. We aren't changing plans. As far as exponential growth, somebody in the blogoshere is attempting to model this. http://www.geert.io/images/2014-exponential-growth-of-ebola-update-20141015.png From: http://www.geert.io/ex...
by Ged
Sat Oct 18, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6277

Re: Health care tilt

Right now healthcare in the US represents a much higher percentage of GDP than in other nations. I don't think this is sustainable.

For this reason I would definitely not overweight it in my portfolio.
by Ged
Sat Oct 18, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3719

Re: If those airline passengers get sick- airline stocks wil

It seems to me that the big danger to airlines is irrational emotional response much more than the likelihood that anyone will get sick.

There have been cases like that in the past, for example SARS. My guess that's already accounted for in airline stock prices.
by Ged
Sat Oct 18, 2014 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1660

Re: want to live foreign country

Belize is worth looking at.

Why not Puerto Rico?

One thing to consider is that most of these are going to be tropical climates, while CA is Mediterranean.
by Ged
Sat Oct 18, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: want to live foreign country
Replies: 10
Views: 1269

Re: Smartphone questions

One consideration if you plan to keep the phone for longer than 2-3 years is whether the battery is replaceable. For users looking for a longer replacement cycle, a nonreplaceable battery will likely be the weak link. Non-replaceable batteries are actually often replaceable if your computer-fu is s...
by Ged
Sat Oct 18, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 63
Views: 3770

Re: Debit Card was hacked. Should I just use cash from now

I am fairly careful regarding use of credit and debit cards. Debit cards only at bank labelled ATMs. As a result I've never had a debit card hacked. Credit cards I limit use somewhat - I don't routinely use them at restaurants where they disappear for a while. I try to limit the number of other loca...
by Ged
Sat Oct 18, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3284

Re: Home Depot Warranty not honored

The only time I buy an extended warranty is when it is new technology in an area that has had issues. For example I bought an extended warranty for an early rear projection LED HD TV. Good thing I did because the light engine on that went bad twice during the time I owned it. Cost of a replacement l...
by Ged
Fri Oct 17, 2014 11:50 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3262

Re: Is it possible to have a favorite movie

I have a lot of movies that I love for various aspects but none of them stand out for me as THE favorite. From all of them I think that Sophie's Choice was the movie that moved me the most.
by Ged
Fri Oct 17, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3117

Re: How much capacity for a new tablet?

I have a 32GB Nexus 7 with a lot (200 or so) Kindle books on it plus a fair number of apps. I think I've used 6GB. I'm thinking of buying another tablet - maybe a Kindle Voyager to use for just reading. Or maybe a Nexus 9. Anyway I know I want another tablet. I also know if I go for the Nexus 9 it w...
by Ged
Fri Oct 17, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: How much capacity for a new tablet?
Replies: 8
Views: 716
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