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Re: Hamilton watches, worth the money?

IMHO, no watch (including a $10 Casio) is worth the money, assuming you carry a cell phone- it's just redundant, uncomfortable, and another thing you have to care for. Your cell phone is far more versatile and you will become less time-addicted. I own both. Most of the time I carry neither. Sometim...
by Ged
Mon Sep 15, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 140
Views: 3592

Re: Hamilton watches, worth the money?

That being said I think Seiko and Citizen automatics are much better values if you can live without the Swiss Made designation. I agree with this. In this day and age the only reason to buy a mechanical is to satisfy some sort of fashion-status-jewelry urge. As an actual watch used to tell time one...
by Ged
Mon Sep 15, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 140
Views: 3592

Re: Good hobby for a bright/obsessive 9 year old?

Don't over-program him.

Kick him out of the house on sunny afternoons. He will find something to do outside which will create all sorts of interests.
by Ged
Mon Sep 15, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 48
Views: 1418

Re: Hamilton watches, worth the money?

I agree about the subdials, especially in contrasting colors. Not really appropriate for semi-formal wear.

Best is a plain white face with simple black leather bracelet, at least to my taste. Second choice would be the white face with a stainless bracelet.
by Ged
Sun Sep 14, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 140
Views: 3592

Re: Hamilton watches, worth the money?

The leather bands with stitching don't go with the suit, nor do the multi-color dials. You really want a plain leather band or maybe stainless and a simple dial.
by Ged
Sun Sep 14, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 140
Views: 3592

Re: You may want to rethink the odds of ever needing LTCi

So why Don't we see recommendations not to buy homeowners insurance? Actually I thought about this a fair bit. Reasons I came up with: 1. Cost for a LCTi policy is often much higher than homeowner's. That means the lifestyle tradeoff may be negligible in one case and substantial in the other. 2. LT...
by Ged
Sat Sep 13, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 47
Views: 3816

Re: Why do so many think their home is a foolproof investmen

The meanings of words in the English language are pretty elastic. The word investment is no exception. When you buy a home you are making an investment in several ways, not just simply in the financial sense. While the finances are important, the big picture is the total impact on your and your fami...
by Ged
Sat Sep 13, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 101
Views: 5057

I haven't read a lot of this genre, but I have always enjoyed the work of Randall Garrett and his Lord Darcy series. Basically it's a world where the Plantagenet dynasty survived into modern times, and a Ango-French empire still holds sway. Magic is the way things get done, although with a Rationist...
by Ged
Sat Sep 13, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 4
Views: 286

Re: Where to recycle old (larger) toy batteries

My municipal hazardous waste recycling facility takes these. I had a UPS that had a small lead acid battery in it.
by Ged
Sat Sep 13, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Where to recycle old (larger) toy batteries
Replies: 5
Views: 220

Re: Need advice on which tablet to buy

Rumor has it that there will be a Nexus 8 (8.9") within the next month or so. I'm likely to buy one as I want a second tablet for my home to complement the Nexus 7 I have now.
by Ged
Sat Sep 13, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 40
Views: 2048

Re: Coin Counting Machines

I figured out the coin acceptor on the walmart self checkouts is a funnel that accept handfuls of random coins at a time.. So now i just toss a pocket full in the thing when i go and pay the rest with the cc for the rewards points. wow.. thx! will also check my supermarkets self checkout as well. I...
by Ged
Thu Sep 11, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4024

Re: Why did REITs drop today?

There was announcement by the Treasury Dept of a probe into some specific type of REITs.

http://thehill.com/policy/finance/21721 ... bama-rules
by Ged
Wed Sep 10, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 3862

Re: Low Income Investor (Tax Concerns)

Generally investing money you have already paid income taxes on won't make you liable for taxes on the money you invest, only on income that you earn on the investment, either in the form of capital gains or dividends. Dividends are an ongoing earnings stream, capital gains are incurred only when yo...
by Ged
Wed Sep 10, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1761

Re: question canceling credit card due to home depot breach

With the HD breach my current card number is no doubt compromised. I am going to request a new CC# after I get back from a trip this weekend. I had a credit card used for fraud once and it was giant pain in the neck getting the charges removed. Not to mention that now there is the possibility the ca...
by Ged
Wed Sep 10, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: question canceling credit card due to home depot breach
Replies: 9
Views: 835

Re: Tip for the Roofing Crew

According to salary.com roofers average 32K per year. That's not a lot, but it's a very different situation than restaurant wait staff.
by Ged
Wed Sep 10, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Tip for the Roofing Crew
Replies: 13
Views: 1282

Re: Would you quit over the pretend boss

I was in a similar situation like that last year. I decided to retire. I'm much happier now.
by Ged
Wed Sep 10, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2937

Re: The Calculus of DIY

When I was a student I did all of my car repairs out of necessity - no money. That's the ultimate DIY motivation. I've given up on changing my own oil after DIY'ing it since the 1960's. The reason is that with the new longer change intervals it's a once per year job now, and I like the free checkup ...
by Ged
Tue Sep 09, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: The Calculus of DIY
Replies: 9
Views: 1150

Re: Bank Closing My Account With No Reason Given

So this is a bit bizarre and I have never heard of anything like this happening. I have an account with Citizens Bank, in perfectly good standing since the day that I opened it in 2005. You are probably lucky. I have a very low opinion of Citizen's Bank because of the way they treated me when I was...
by Ged
Tue Sep 09, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3855

Re: Cape Cod; where to go and what to do?

Shark and whale watching. Over the past few years sharks have returned to the Cape in some numbers so that sightseeing cruises that include shark watching have become popular.

Just make sure you take the bigger boat.
by Ged
Tue Sep 09, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Cape Cod; where to go and what to do?
Replies: 13
Views: 1012

Re: Bank Closing My Account With No Reason Given

So this is a bit bizarre and I have never heard of anything like this happening. I have an account with Citizens Bank, in perfectly good standing since the day that I opened it in 2005. You are probably lucky. I have a very low opinion of Citizen's Bank because of the way they treated me when I was...
by Ged
Tue Sep 09, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3855

Re: Do you keep paper copies of your investment statements?

Yes. I keep paper copies of everything that goes towards my tax returns.
by Ged
Tue Sep 09, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1865

Re: How many books at one time?

Usually it's 2-5. Typically one novel, one collection of shorter fictional works and a couple of non-fictional works one of which is on investing and another is a history or biography or some similar type of work.
by Ged
Mon Sep 08, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: How many books at one time?
Replies: 16
Views: 644

Re: What Book Are You Currently Reading? Part V

Valuethinker wrote:
Space Viking was my other favourite.

"He Walked Around Horses" is one of my favourite SF stories of anyone. However you do have to do a little digging if you don't know the history.


Reading your message triggered a memory of High Crusade by Poul Anderson. Surely one of my favorites.
by Ged
Mon Sep 08, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3338
Views: 1142339

Re: Who has more organic food Costco or Sam's?

So really what you are doing is avoiding synthetic pesticides. Natural pesticides have always been part of the human diet. I am fine with anything that has always been part of the human diet. Victoria New natural pesticides are being developed all the time. For example the pesticide spinosad is der...
by Ged
Mon Sep 08, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1388

Re: Who has more organic food Costco or Sam's?

This is not a conspiracy but rather every industry looking after its own interests -- be it finance, pharmaceuticals, tobacco, traditional agriculture, or organic agriculture. Sometimes, common sense trumps detailed research. People lived thousands of years without pesticides in their food, and I d...
by Ged
Mon Sep 08, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1388

Re: Good Modern Science Fiction

moshe wrote:
Lord of the Rings - JRR Tolkien - not exactly SF but....worth reading and rereading.

~Moshe


Tolkien is great. If you want to dabble in that genre of course the Wizard of Earthsea series is notable too.
by Ged
Mon Sep 08, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 123
Views: 4613

Re: Who has more organic food Costco or Sam's?

I can understand the desire to avoid pesticides, but the safety of GMO foods is pretty much settled science. There is plenty of non-industry funded research to back up the safety of such food.

http://www.euractiv.com/science-policym ... ews-530693
by Ged
Mon Sep 08, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who has more organic food Costco or Sam's?
Replies: 26
Views: 1388

Re: Q for those of you over 59.5 YO and a Roth IRA

Definitely not. I am planning to pass my Roth accounts to my children.
by Ged
Sun Sep 07, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1182

Re: Good Modern Science Fiction

Left Hand of Darkness Ursula LeGuin
Snowcrash Neal Stephenson
Neuromancer William Gibson
Ringworld Larry Niven
The Forever War Joe Haldeman
Startide Rising David Brin

Edit: added authors
by Ged
Sun Sep 07, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 123
Views: 4613

Re: A 'really good book' you did NOT enjoy

John Brown's Body by Stephen Vincent Benet.

Epic poem based on famous abolitionist. Assigned for reading in High School. I could not stand it.

It's the only book that I came to despise the sight of.
by Ged
Sat Sep 06, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 193
Views: 8781

Re: Lawnmower/gas issues

It's grunge building up in the carb. Gasoline by itself is unstable in storage; it oxidizes and eventually turns into varnish. Ethanol makes it worse. What you can do about it - 1. Don't buy cheap gas. Get it from Shell, Exxon etc. If you can get it without ethanol. 2. Don't store gas over winter. U...
by Ged
Fri Sep 05, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2009

Re: Which generator do you have?

"The NEC regards fixed wiring as more reliable and less susceptible to problems, so in order to reduce risk..." Can you give even a wild hypothesis about how fixed wiring a furnace reduces risk <i>to a lineman</i>. That's the claim I'm not getting. Here is what I said: Spending the money ...
by Ged
Thu Sep 04, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Re: Which generator do you have?

I just can't really see how a furnace differs from a fridge or washer or whatever in that regard. The NEC regards fixed wiring as more reliable and less susceptible to problems, so in order to reduce risk they mandate it with the exceptions they list in the code. One of the things that gets you an ...
by Ged
Thu Sep 04, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Re: Which generator do you have?

"Spending the money for a transfer switch is the smart thing to do. It's not that much and it really makes things a lot safer for both you and the linemen..." Can you elaborate on why a plug-in furnace/extension cord/generator is a hazard to linemen or me, while a plug-in refrigerator/ext...
by Ged
Thu Sep 04, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Re: Which generator do you have?

(A furnace is not likely an appliance.) Pretty sure you are right that under the NEC plug in furnaces are a code violation. There is another section that lists exceptions to the above. Furnaces are not listed therein. Spending the money for a transfer switch is the smart thing to do. It's not that ...
by Ged
Thu Sep 04, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Re: What Book Are You Currently Reading? Part V

I'm working off a backlog. Perhaps Lord Kalvan of Otherwhen by H. Beam Piper would be next. I really liked that one, as well as the rest of the Paratime stories by Piper. These were collected in a book by that title. Lord Kalvan of Otherwhen was probably the best. There were also some stories in th...
by Ged
Wed Sep 03, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3338
Views: 1142339

Re: My early 30's Ameriprise portfolio

geauxpassive wrote:In full disclosure, my Advisor is a friend.


High level comment:

Mixing friendships and business dealings inherently creates conflicts of interest.
by Ged
Wed Sep 03, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3377

Re: What Book Are You Currently Reading? Part V

The Witches of Karres , by James H. Schmitz. There are a number of very good Schmitz works (I particularly enjoyed The Demon Breed which is included in the collection The Hub: Dangerous Territory) and it should be noted that there were some follow up books to the one you just finished but were writ...
by Ged
Wed Sep 03, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3338
Views: 1142339

Re: What Movie Have You [Recently] Watched?

Yes and Studio Ghibli has sadly gone into receivership. Ugh. I have been trying to block out that traumatic news. They made exquisite films (' My Neighbour Totoro' is probably our favourite ...) They were brilliant. That is the only description that's fair. As far as Totoro goes there are occasiona...
by Ged
Wed Sep 03, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 84
Views: 3588

Re: Which generator do you have?

Perhaps I'm just lucky (or deaf), but my Kohler can barely be heard inside the house near where it is, and not at all in the bedrooms on the other side of the house. When I'm sitting reading the paper outside with the dogs as it begins its weekly test run, usually the three of us will not be driven...
by Ged
Wed Sep 03, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Re: Which generator do you have?

Some questions out of total ignorance: - is the home heating oil equivalent to diesel? Ie clean enough for a modern diesel engine? In the US anyway fuel oil #2 is generally used for home heating oil. It's the same distillation cut as diesel fuel. However the details are important. Home heating oil ...
by Ged
Tue Sep 02, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968

Billion Password Collection Part Deux

Namecheap (an internet name registrar) has an alert that their login system is getting hammered by a large volume of login attempts, a few of which are succeeding. http://community.namecheap.com/blog/2014/09/01/urgent-security-warning-may-affect-internet-users/ Their theory is that someone or severa...
by Ged
Mon Sep 01, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Billion Password Collection Part Deux
Replies: 0
Views: 262

Re: What Movie Have You [Recently] Watched?

a Japanese animation " Grave of the Fireflys " . Haven't seen it, but knowing what it's about, it must be fairly depressing? It is. It is also one of the best animated films ever made. 97% on Rotten Tomatoes. If you are willing to let a film evoke these sorts of feelings I would highly re...
by Ged
Mon Sep 01, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 84
Views: 3588

Re: New US bank bail-in policy...how to prepare?

Even in Cyprus deposit guarantees were honored.

It seems to me that this follows the general trend to weakening claims of senior debt holders when defaults occur.

Yield chasers beware.
by Ged
Mon Sep 01, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: New US bank bail-in policy...how to prepare?
Replies: 6
Views: 888

Re: sell a 7 year old car or keep it?

Usually the depreciation of a car is greatest when it is new. Selling it after this period would be the most costly way to own this car.
by Ged
Mon Sep 01, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 16
Views: 1653

Re: What Movie Have You [Recently] Watched?

I have recently been watching some sci-fi movies based on a listing of showings from a film festival recently held in NY. Of the ones I've watched so far I particularly liked a 1986 Russian film titled Kin-Dza-Dza. It's basically about the adventures of a Russian and a Georgian who are transported s...
by Ged
Mon Sep 01, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 84
Views: 3588

Re: Online Security: Are there any sites you do not trust?

I block as many as I can with things like Ghostery. However I have given up with Google. The services they offer are valuable enough to me that I have made my Faustian bargain with them. I do go into their dashboard from time to time to disable the parts I don't want. I *really* appreciate the lack ...
by Ged
Sun Aug 31, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1500

Re: How to become a millionaire retiree -- then and now

I found this: http://www.postsecondary.org/last12/401095Salary.pdf The results show the usual pattern. Between 1951 and 1969, average starting salaries for engineers increased by 118 percent, from $19,100 to $41,500. After 1969 the decline in real salaries was less than in the business fields. In t...
by Ged
Sun Aug 31, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 9800

Re: How to become a millionaire retiree -- then and now

Those mean salaries seem rather low to me, so probably include minimum wage and lower workers. Minimum wage was about $1.80 in 1976. So 50 weeks times 40 hours times $1.80 per hour = $3600 a year at minimum wage in 1976, Fresh out of college engineers in 1978 - 1979 made about $30,000 a year with C...
by Ged
Sun Aug 31, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 9800

Re: Which generator do you have?

My generator setup is a Yamaha 6.5kw plus a Reliant transfer switch. It's dual fuel capable - gasoline and natural gas. Cost was about $5K total. It's enough to run most of the appliances in my house except the A/C. Supporting the air conditioning would have added another $10,000 and required a stan...
by Ged
Sun Aug 31, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 6968
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