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Re: GAO Concerned your IRA may be too big!

I continue to be concerned with the emphasis on size of IRAs without respect to the prohibited transaction rules and non-traditional assets. The report did focus on non-traded securities as being a component of many of the largest IRAs. The IRS is apparently planning to collect information on these...
by Ged
Thu Nov 20, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 2708

Re: Intranet Hardwire and wifi installation help

------>Cable to house--------->Cable Modem------>16 port switch (maybe a 32 port switch if I plan to run 2 wires to each room-------> All the wall extensions as well as two ASUS AC routers (either rt-AC87u or rt-AC86u) That's how you get your security cams on a Russian web site. Never connect anyth...
by Ged
Thu Nov 20, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Intranet Hardwire and wifi installation help
Replies: 6
Views: 716

Re: Why finance research is often wrong - the jelly bean pro

http://timharford.com/2014/11/finance-and-the-jelly-bean-problem/ has a good explanation for why finance reasearch is often wrong. Imagine a test that determines that a result is meaningful if there's less than a 1 in 20 chance that the results are due to chance and that you test 40 factors. The od...
by Ged
Thu Nov 20, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 57
Views: 4693

Re: Jim Cramer recommends Vanguard - Almost!

One of the things that I like best about Boglehead investing is that I don't watch Cramer's Mad Money any more.

Seriously the only thing missing is that Cramer isn't dressed up in a clown suit.
by Ged
Wed Nov 19, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer recommends Vanguard - Almost!
Replies: 1
Views: 1132

Re: Do freecyclers resell?

On trash day, pickup trucks cruise the neighborhood in the early morning and fill their beds before the garbage trucks show up. I'm sure many free cycle things end up in those pickup trucks. Exactly. I've never had to advertise on Craig's list in order to freecycle something. Just kick it to the cu...
by Ged
Wed Nov 19, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 1567

Re: Selecting Charities for Donation

I have stopped giving to large charities like the Red Cross. Also the disease (Diabetes, Heart Alzheimer's etc) based ones and the large veterans charities because of a variety of issues: 1. Lack of transparency 2. Use of high overhead fundraising methods 3. High pay to charity executives 4. Overall...
by Ged
Wed Nov 19, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 52
Views: 2668

Re: Poll: Net cost of your checking account annually?

I don't have any fees because of direct deposits. Never had an overdraft. I did order some checks when I opened the account. That was in the 1990's. I write maybe 3 checks a year. I haven't ordered more since but I might because the the year has a preprinted prefix of 19 in the date field and that s...
by Ged
Wed Nov 19, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2224

Re: Credit Card Fraud - Need Advice

Has anyone dealt with a similar situation before? Any thoughts/advice would be appreciated. Yes, I had a credit card (Citibank) compromised. It was used fraudulently at several online merchants. I received a call from Citibank about one of the unusual charges and confirmed that it was fraudulent. T...
by Ged
Tue Nov 18, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 32
Views: 2721

Re: Winter Coat

Winters here can put you in the deep freeze for weeks at a time (read zero degrees and below). 30+ years ago I lived in a place like that. Syracuse NY. Sub zero was not unusual. You could count on an occasional -20 now and then. When I was a grad student I had to commute to campus by bus. The bus s...
by Ged
Tue Nov 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4321

Re: Amazon Echo (Alexa)

If I could change it's name to Hal and play chess with it I'd go for it.
by Ged
Tue Nov 18, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 35
Views: 3720

Re: Is investing more risky today today than before the inte

We've already seen one flash crash, and with software and people both being what they are there's always the possibility of another. There's not a lot the individual investor can do about it, except maintain a suitable asset allocation. The flash crash was very small compared to the October 19, 198...
by Ged
Mon Nov 17, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 29
Views: 2554

Re: Lenovo vs Surface Pro 3

For me anyway, especially working mostly with spreadsheets keyboard quality would count a lot.
by Ged
Mon Nov 17, 2014 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1563

Re: 75w LED bulb in a 60w socket?

A 75 W LED bulb consumes about 20 watts of electricity. You have plenty of safety margin in a 60w fixture.
by Ged
Mon Nov 17, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: 75w LED bulb in a 60w socket?
Replies: 14
Views: 1964

Re: When do your account returns dwarf your contributions?

It never happened for me. Late in my career I was socking away money like crazy. No mortgage, no college payments, and peak earning power. My income was 3x my expenses and anything that wasn't expenses was going into savings. The wife and I both work so our situation is similar. And now that I am c...
by Ged
Mon Nov 17, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5678

Re: When do your account returns dwarf your contributions?

It never happened for me. Late in my career I was socking away money like crazy. No mortgage, no college payments, and peak earning power. My income was 3x my expenses and anything that wasn't expenses was going into savings.
by Ged
Mon Nov 17, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 5678

Re: Shower silicone replacement - Price? DIY?

If you do decide to DIY the number 1 hint I have to offer it to practice! Getting the knack of laying down a bead on some practice stuff will save you a lot of time and aggravation.
by Ged
Mon Nov 17, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1628

Re: Toyota Class Action Settlement Check, Cash or Not

Is it because it's "all electronic" now, and "putting it in neutral" just does NOT necessarily "put it in neutral"? Or turn the engine OFF? Or do the electronic gremlins refuse to do that, too? Is something else supposedly "happening"? I can't imagine that no...
by Ged
Sun Nov 16, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Class Action Settlement Check, Cash or Not
Replies: 16
Views: 2300

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I do three tax returns every year, mine and my two daughters. I've been using Turbo Tax for about 20 years. How easy is it to get Tax Act to read your Turbo tax file so that you do not have to do all the data entry from scratch? Doing it now and will let you know. TaxACT says it will read a PDF fil...
by Ged
Sun Nov 16, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 62
Views: 6814

Re: Hoa resurrection

They have elected a new board. Fortunately they have set the new dues at only 25 bucks a year, i am just concerened about the potential hassles of being told my grass is an inch too high, plus there is always the potential of the dues increasing. Thanks everyone for your insights. Mike West Virgini...
by Ged
Sun Nov 16, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2933

Re: IRA with $0.17 balance

I had a $4.60 balance at my last employer due to fractional share left over when I moved everything to a tIRA. I just did another distribution as both the 401K and tIRA were at Fidelity.
by Ged
Sat Nov 15, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1769

Re: Just signed up Obamacare again.

goodenyou wrote:The public is getting a lesson on how healthcare is paid for. It is about time.


Yes. One of the biggest problems with the current system is lack of disclosure. This applies throughout the entire system. Insurers. Employers. Hospitals. Doctors.
by Ged
Sat Nov 15, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3226

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by Ged
Sat Nov 15, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2744

Re: fidelity refusing custodian custodian rollover

Jack FFR1846 wrote:You're rolling over to Vanguard. Why are you even talking with Fidelity? Speak with Vanguard only and let them do the work.


This.
by Ged
Sat Nov 15, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2744

Re: Why own International at all?

I'm at 20%, low by many bogleheads' standards. I think international exposure is important for the reasons stated above, but U.S. multi-nationals rely so much on international business, and have investments in so many countries, I keep it at the low end. The converse is true too, which would sugges...
by Ged
Fri Nov 14, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why own International at all?
Replies: 45
Views: 3963

Re: Does anyone here make "fun" purchases.

I don't pay for frivolous purchases. I do spend a lot on experiences. This is based on my life philosophy and supported by behavioral economics' findings that experiences are more rewarding than material possessions. Victoria This is a very interesting topic. I know some experiences I've had are mo...
by Ged
Fri Nov 14, 2014 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6321

Re: Does anyone here make "fun" purchases.

greg24 wrote:No, I hate fun.


I'd bet you have fun hating fun.
by Ged
Fri Nov 14, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6321

Re: Landlord wants us to sign an entirely new contract!

We would have to understand the differences in terms to offer meaningful advise. It could be that both of you would benefit, or it could be one-sided.
by Ged
Fri Nov 14, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5797

Re: Is buying organic worth it financially in the long term?

As mentioned, I thought I read that the toxicity studies for Roundup were only on the active ingredient, glyphosate. I also thought there was evidence that the toxicity of the final formulation (Roundup) was much higher than glyphosate alone. Not sure if that's true, was hoping someone might chime ...
by Ged
Fri Nov 14, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Is buying organic worth it financially in the long term?

Since these chemicals can't be entirely avoided, I support thorough safety studies. The effectiveness of risk assessment for pesticides/herbicides seems similar to the vetting of industrial chemicals in general, and even new drugs. We are well protected as a population from acutely toxic compounds,...
by Ged
Fri Nov 14, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Is buying organic worth it financially in the long term?

I notice no one has mentioned acrylamides. That was a big scare a little while ago, then it disappered out of the headlines. Acrylamides are produced when starchy foods are baked, fried or otherwise subject to high, dry heat. (I believe wet heat is okay and so oatmeal, for example, is fine.). Acryl...
by Ged
Fri Nov 14, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Is buying organic worth it financially in the long term?

http://blogs.scientificamerican.com/science-sushi/2012/09/24/pesticides-food-fears/ I love the paper chase... I'll see your Scientific American with a Huffington Post , and I'm going to raise you a PMC (cited in the HP article). For the record, I'm not sold one way or the other on organics. I only ...
by Ged
Thu Nov 13, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Is buying organic worth it financially in the long term?

I find the lack of evidence compelling that there is no benefit to eating organic. Several studies have shown that yields per acre are lower for organic crops, implying that more land would have to be cultivated, and that is a net negative for the natural environment, and also possibly for the clim...
by Ged
Thu Nov 13, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Chip and Pin: busted by hackers before it's even here

That sounds unlikely to me.

1. Most US credit card issuers are sending out Chip and Signature not Chip and PIN
2. I haven't heard of Chip and PIN cards supporting RFID.

Do you have a link for this 'story'?
by Ged
Thu Nov 13, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1464

Re: Is buying organic worth it financially in the long term?

That has always been my concern as well, but is the amount of pesticide residue that you would consume actually dangerous to your health? Would that translate into higher medical costs or a lower quality of life? I'm not sure if anyone has the answers to these questions. I mentioned this once befor...
by Ged
Thu Nov 13, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 5369

Re: Your favorite classic toys for kids

I had one of these: https://upload.wikimedia.org/wikipedia/commons/e/e5/The_Original_Advertisement.jpg I think they've fallen out of favor for some reason. Also had a chemistry set I augmented with some special items from the High School. This had to be taken to a hazmat disposal event the town ran ...
by Ged
Wed Nov 12, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3817

Re: Gold As A Currency Hedge

Bill Bernstein wrote:In fairness, though, a hard core HBBer would point out that the fiat problem ends at the water's edge; if you own real estate or gold abroad, you don't have to worry as much about *your* government.

Bill


LOL. I'm familiar with foreign assets. You have to worry about TWO governments. At least.
by Ged
Tue Nov 11, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold And Silver As A Currency Hedge?
Replies: 125
Views: 9116

Re: Help with my Father-In-Law's Assets

Am I overreacting? Quite possibly. The first question is are you named in either your MIL or FIL's will? If not it seems to me this is a matter for your wife to ask questions about. Of course you can offer advice. If are asked by her or your FIL for advice you should offer such. If I was the FA I c...
by Ged
Mon Nov 10, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my Father-In-Law's Assets
Replies: 11
Views: 1104

Re: Food Frugality: Where do you draw the line?

Or do you buy this finding, suggesting that calories are calories, maybe we can all survive on donuts and vitamin pills, and maybe it's possible to pay $5 / month for food while acting like the office garbage can? I don't buy that finding. While I'm no organic food maven I do believe that a decent ...
by Ged
Mon Nov 10, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6153

Re: New car purchase- "documentation fee" and "registration

Documentation fee there may be some wiggle room. Fees for initial registration vary a lot state to state and can be quite substantial. In some states you get to pay 4 years worth up front. That fee also covers plates, title, initial inspection fee as well. It will generally be hard to do much with t...
by Ged
Sun Nov 09, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2539

Re: Most Efficient Human Powered Boat

Pedal powered boats hold the distance records for human powered boats.

https://www.youtube.com/watch?v=0VnUVTtiVRE

I'd get a sailboat. My father had a small sailing dinghy which we used all over New England lakes and rivers. I loved it.
by Ged
Sun Nov 09, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Human Powered Boat
Replies: 13
Views: 1371

Re: when will self-driving cars be a reality?

The potential societal gains of this are are too big to be ignored. No more homebound seniors/disabled/vision impaired. No more drunk/intoxicated driving. Far fewer accidents. More efficient traffic management. Shared cars/taxis means fewer fixed costs of ownership for those who don't use the car d...
by Ged
Sat Nov 08, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: when will self-driving cars be a reality?
Replies: 17
Views: 1106

Re: Supreme Court Blues

jeffyscott wrote:If you can afford insurance without subsidy, why would it matter? Health insurance existed before the ACA, it would continue to exist without it.


Prior to the ACA something like 25% of people in the 50-65 age group were being denied coverage in the individual market.
by Ged
Sat Nov 08, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supreme Court Blues
Replies: 34
Views: 2186

Re: Asking for opinions.

The mantra here is that you should not be timing the market. As you found out it generally causes you to lose money. What you need to do is decide how much you would feel comfortable holding in equities through thick and thin - say if the market would go down 50% or even 70% from here what percentag...
by Ged
Sat Nov 08, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Asking for opinions.
Replies: 9
Views: 637

Re: Why are people so down on bonds?

Kevin M wrote:OTOH, if we consider 0% a practical lower boundary, then with Total Bond at about x% yield, there's a lot more room for rates to move up than down.


That's true for any value of x.
by Ged
Thu Nov 06, 2014 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why are people so down on bonds?
Replies: 39
Views: 5969

Re: Your very first email

1. Intrasystem message on a DEC-10 in 1973. It was from the admin asking me to stop running a memory hungry process simulation during prime time.

2. Intersystem mail - 1984 on FidoNet. Sort of a hello world message to a hub applying for an entry in the nodelist.
by Ged
Thu Nov 06, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2371

Re: investment lessons from QE

Good article. It should be noted that the Keynesian economists, most publicly Paul Krugman, got it right. They vociferously argued that QE would not result in high interest rates or runaway inflation. One thing is interesting is that it's not only Keynesians who argued for QE. Milton Friedman also ...
by Ged
Thu Nov 06, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: investment lessons from QE
Replies: 34
Views: 3095

Re: letting profits run or sell...

I sold all of my stocks so I wouldn't have to worry about making such decisions. Now that I'm retired my No. 1 investing goal is to spend absolute minimum time worrying about investing. I would sell. If I was still back in the phase of my life where I was messing with individual stocks I would proba...
by Ged
Thu Nov 06, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2575

Re: Pension lump sum offer - am I thinking clearly?

I had a similar decision 15 years ago, very similar amounts and I am glad I took the annuity.

I did have a survivor benefit (which I selected) though.
by Ged
Wed Nov 05, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2373

Re: investment lessons from QE

Thanks for the article Larry. I was especially interested in the prior examples of QE.
by Ged
Wed Nov 05, 2014 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: investment lessons from QE
Replies: 34
Views: 3095
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