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Re: Is a generator worth it?

Natural gas gives me the jitters. Just after moving to NJ there was a gas leak on a main that led to a fire that was so bad it melted cars parked near it. http://www.nytimes.com/1994/03/25/nyregion/explosion-edison-overview-new-jersey-pipeline-explosion-sets-off-panic-chaos.html Just a week ago a le...
by Ged
Mon Mar 02, 2015 10:55 am
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 103
Views: 4828

Re: Father in law possible elder scam victim?

$7,000 isn't as bad as it could be. Hopefully there isn't a lot more than you don't know about. I would have a friendly meeting along with grand-dad with the contractors so they know that it's more than just grand-dad who is watching what is going on. And yes try to get something in writing (ideally...
by Ged
Mon Mar 02, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 21
Views: 826

Re: Wife doesn't want to retire - I do

Are you a retired husband with a working wife? How does it work out for you? Do you feel guilty? Does your wife feel embarrassed? Yes, I retired about 18 months ago. I will be 65 in April. My wife is 69 and will be retiring in June. Occasionally I feel a little guilty, but turmoil at my last job wa...
by Ged
Sat Feb 28, 2015 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 56
Views: 4297

Re: Cost of medication - Costco versus Walgreens

I recently visited a Medicare counselor in NJ (SHIP program) because I am in the process of choosing a supplement provider and my initial part D provider. One option that he brought up that can be economically attractive is to choose a very low cost part D provider and then use a discount pharmacy l...
by Ged
Fri Feb 27, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of medication - Costco versus Walgreens
Replies: 13
Views: 1006

Re: No VWIUX at Fidelity

Is there an ETF equivalent? These will have a per trade cost of $7.95 or so plus usually Admiral ERs if purchased in Fidelity.
by Ged
Thu Feb 26, 2015 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1308

Re: IRA investment after retirement?

I don't think it's usually advantageous to contribute to a tIRA after retirement. The big reason to use a tIRA is to defer taxes to a time in your life when the rates will be lower. Once you go past 70 1/2 you will be taking RMDs which can boost you into a higher bracket.
by Ged
Thu Feb 26, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA investment after retirement?
Replies: 9
Views: 601

Re: Is a generator worth it?

I bought one, a 6KW Yamaha and had a transfer switch installed. We were without power for 12 days after Sandy. It was pretty cold in the house.

I hope I never need it.
by Ged
Thu Feb 26, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 103
Views: 4828

Re: Full Faith and Credit

The US cannot default unless it wants to. I don't know how much comfort you take in that, but to me it means the US will never default. Are you going to ignore that the US already HAS, in the past, defaulted on it's obligations (see Liberty Bonds)? Past US defaults have been due to lack of ability ...
by Ged
Tue Feb 24, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Full Faith and Credit
Replies: 37
Views: 2343

Re: How much did you have saved up for retirement at age 30?

Don't feel bad. At age 30 I had close to nothing in retirement savings. However I had good human capital having finished graduate school with an engineering PhD a couple of years earlier.

In the long run that turned out to be plenty. I retired at 63 with 7 figures, no debt and a pension.
by Ged
Tue Feb 24, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11178

Re: Buy and Hold Forever Stocks

Those of you who generally subscribe to Bogle-osophy but also have one or more equity positions that you intend to hold onto "forever": which ones are they? I have two: BRK(b) and AAPL. I had a collection of dividend champions. P&G, Exxon, BP, IBM. Over time I learned that no stock is...
by Ged
Mon Feb 23, 2015 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 96
Views: 6762

Re: Thoughts on investing in Uber

I would not touch this with an uber pole. There are several questions about the business model and the CEO does not impress me at all.
by Ged
Mon Feb 23, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on investing in Uber
Replies: 18
Views: 1415

Re: why do some people like Fidelity?

In a word, customer service. I hold my Vanguard assets (ETFs) in my Fidelity account. I've tried Vanguard, didn't particularly like the site or my interactions with Vanguard service. I do like the funds though. When my father passed away he had his assets in Fidelity too. When I called them to infor...
by Ged
Mon Feb 23, 2015 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6696

Re: To Fence ... Or Not?

I had a neighbor who did something like this, and in fact more egregiously. Mowed 3' over the property line. Planted a maple tree. Shed was over the line by a few inches when it's supposed to be set back 3'. I had a talk to him. He didn't seem to care. My lawyer said you have two choices, ignore it ...
by Ged
Sat Feb 21, 2015 7:39 pm
 
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 8159

Re: Letters to my Senators/Congressman re Bogle Medal of Fre

It wouldn't hurt to send a copy to the guy actually making the decision, the President of the United States. One might scoff that such a thing would never get read, but some 40 years ago I wrote to Gerry Ford about a problem my wife and I were having with the INS. The results were dramatic and posit...
by Ged
Sat Feb 21, 2015 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Letters to my Senators/Congressman re Bogle Medal of Freedom
Replies: 5
Views: 452

Re: On line product reviews vs Consumers Reports

I look at both. Additional information is not a bad thing.
by Ged
Sat Feb 21, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2575

Re: What is your favorite consumer product?

Reese's Peanut Butter Cups, King Size
Ocean Spray Cranberry Juice Cocktail
Thorlo Socks
Oppo Bluray players

And yes Logitech Squeezebox. I am so pissed these were discontinued. I have 4 and am planning to buy another used off of Ebay soon.
by Ged
Fri Feb 20, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 164
Views: 9464

Re: Car Battery in Unusual Cold

When I lived in Syracuse area there was one morning when the temperature was -26F. The car was kept in a garage so it was probably a bit warmer. It started ok. So I wouldn't worry too much about 0F if your battery does not seem weak on a normal freezing day. One thing to keep in mind about car batte...
by Ged
Thu Feb 19, 2015 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3710

Re: What video games are you currently playing?

Video games I've played in the past few months: Guildwars 2. This is a MMORG that has a bit different business model in that it has no monthly charge. I like it because there is a lot of ad-hoc group formation to achieve game goals. Civilization 5. Latest from a great classic turn based strategy gam...
by Ged
Wed Feb 18, 2015 10:17 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 156
Views: 8519

Re: 250K or more with Vanguard

MF Global paid back all of it's investor's money. http://dealbook.nytimes.com/2014/04/03/mf-global-customers-to-be-paid-back-in-full/?_r=0 Of course having to wait 2.5 years for restitution is still very bad. Much worse us a deeply criminal and fraudulent enterprise ala Madoff. In that case there we...
by Ged
Tue Feb 17, 2015 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 250K or more with Vanguard
Replies: 17
Views: 5365

Re: apple pay v. google wallet

There is a need here, and it is security. Both Google Wallet and Apple Pay issue single use transaction keys making them far more secure than a credit card number.
by Ged
Tue Feb 17, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: apple pay v. google wallet
Replies: 16
Views: 1009

Re: Not clearing snow from driveway

Where I am now there is an ordinance requiring the sidewalks be cleared within a mile of schools. There have been times where I've skipped clearing the driveway but that was before I bought a snowblower. When I lived further north, in Syracuse I had a plowing service and cars were always parked in m...
by Ged
Tue Feb 17, 2015 11:25 am
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5803

Re: Read WSJ every day ?

The business news section of the WSJ is good, however what a Boglehead needs with that is unfathomable.

The rest of it went down the tubes when Murdoch bought it.
by Ged
Mon Feb 16, 2015 9:30 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4967

Re: Did you overestimate your retirement spending?

Perhaps, but it's pretty clear to me that my legacy will be very helpful to my children for a variety of reasons so I don't mind it.
by Ged
Sun Feb 15, 2015 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you overestimate your retirement spending?
Replies: 17
Views: 2254

Samsung Strikes Again .. Ad Injection

Some internet stories are now appearing that Samsung is injecting advertisements into streaming apps. http://www.cnet.com/au/news/samsung-smart-tvs-forcing-ads-into-video-streaming-apps/ http://arstechnica.com/gadgets/2015/02/samsung-smart-tvs-inserting-ads-into-third-party-apps/ While you can avoid...
by Ged
Tue Feb 10, 2015 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: Your Future According to Yale Star Robert J. Shiller

I would not underestimate the economic dislocations that occurred due to farm mechanization. In a lot of ways this was more fundamental than the transition from manufacturing to service industries that we have had more recently.
by Ged
Tue Feb 10, 2015 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Your Future According to Yale Star Robert J. Shiller
Replies: 86
Views: 10158

Re: MedicAlert bracelet restricting care to in-network docto

It depends on the state you live in and how your particular plan is regulated. Some have laws requiring coverage for emergency care. Others not.

The doctor may have a legal obligation to save your life anyway. And if you die what happens? Your widow sues him?
by Ged
Tue Feb 10, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: MedicAlert bracelet restricting care to in-network doctors?
Replies: 18
Views: 1007

Re: iPhone radiation levels

I do believe long term effects of phone radiation are unknown and are akin to how smoking was ok in the 60's. Smoking was known to be a cause of disease as far back as the 1930's. In 1957 the US Surgeon General made it the official position of the US Public Health Service that smoking causes lung c...
by Ged
Sun Feb 08, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2345

Re: Boston Must See Sites and Bites

Durgin Park for traditional area food and 'service'. There has been a restaurant at that location for 270 years.

https://en.wikipedia.org/wiki/Durgin-Park

The Quincy market is a nice shopping area and it's on the Freedom Trail.
by Ged
Fri Feb 06, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 2398

Re: Alternatives to Radio Shack?

Last time I needed a key fob battery I took my fob to the key guy at Home Depot.

They are pretty good about small parts these days.
by Ged
Thu Feb 05, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2829

Re: Approaching 50...What to expect?

The first things I noticed was loss of stamina and attention span.

My eyes also lost any ability to focus on the small print.
by Ged
Tue Feb 03, 2015 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 9955

Re: time to replace my router?

1. Routers are not a commodity. There are significant performance, reliability and ease of use differences. 2. The WSJ article surprised me by not mentioning ASUS which has a really strong product line. 3. The WSJ article choice (Netgear AC1900) is probably overkill for most people. It's important t...
by Ged
Tue Feb 03, 2015 8:47 pm
 
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 3391

Re: Telescopes?

One of the major questions with viewing the sky is where do you live? I used to have a rural home out side of Syracuse. It was great for backyard astronomy because of the lack of light pollution. Every clear night the Milky Way was easy to see. With the small 4" Meade I had nebula were wonderfu...
by Ged
Sun Feb 01, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Telescopes?
Replies: 21
Views: 1314

Re: Are there skilled investors and managers?

One thing to consider is that in any large population there will be outliers. On average active managers will underperform, while there will always be a few that overperform just based on random chance. Flip enough coins and once in a while you will get 100 heads in a row. The thing is there is no w...
by Ged
Sun Feb 01, 2015 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Are there skilled investors and managers?
Replies: 25
Views: 1434

Re: Which vehicle for daily commute?

What are the maintenance costs of the vehicles? For example is one of them a German make and the other Japanese?
by Ged
Sun Feb 01, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which vehicle for daily commute?
Replies: 8
Views: 755

Re: How much is a safe car worth?

2005 Camry XLE had a VSC + side airbag option. If you have this I wouldn't bother selling to get another car that might be safer.

You can probably find out by calling your dealer or insurance company - the VIN will tell them.
by Ged
Sat Jan 31, 2015 10:32 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9002

Re: Mac reliability?

Reliability really does depend upon the specific product as well as what generation and what technologies (like which display) are involved. This has been my experience as well. I have had several Macs going all the way back to the Mac Plus, and have seen a fair number of them at a company that had...
by Ged
Fri Jan 30, 2015 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3840

Re: The lowest stock allocation you plan to stay with

I do not plan to go lower than 40%. I am there right now, at age 65. I will likely increase my stock holdings to 50, maybe as high as 60% as I age depending on how my children are making out.
by Ged
Fri Jan 30, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4339

Re: Is now a bad time to buy a mutual fund?

The only thing worse than buying now is not buying.
by Ged
Fri Jan 30, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1229

Re: What age did you move out?

The last time I lived at home was the summer between my senior year of college and the start of grad school. So I was 22.
by Ged
Wed Jan 28, 2015 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5141

Re: Workplace net worth conversations you'd like to avoid?

Fortunately I have had very few occasions where the topic of net worth has come up. A few times investing philosophies have come up, and really the things I've heard are pretty horrible. 1. Boss says 'I use JPM, their results are not good'. I mention something about index funds. Later he comes to me...
by Ged
Wed Jan 28, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9320

Re: data mining vs. historical performance

There is a fundamental leap of faith required in investing which is a belief in the growth of human wealth.

All else is data mining.

Bogleheading is about relying on data mining as little as feasible.
by Ged
Tue Jan 27, 2015 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1647

Re: Ketogenic Diet anyone?

matjen wrote:This blog would be of interest to those who are interested in learning about low carb/ketones, et. Peter Attia M.D. is very involved and has some amazing qualifications.

http://eatingacademy.com/dr-peter-attia


Huh? He has no qualifications or peer-reviewed publications in the field of nutrition.
by Ged
Tue Jan 27, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1196

Re: Do you respond to recruiters contacting you?

I generally gave them the names of co-workers I would like to see leave.
by Ged
Tue Jan 27, 2015 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 27
Views: 2051

Re: Scary taxes :(

I wish I was paying $1,000,000 in taxes...

One thing you didn't mention was contribution to tax deferred accounts. That comes right off the top of your income.
by Ged
Mon Jan 26, 2015 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Scary taxes :(
Replies: 18
Views: 3195

Re: 400ft Driveway - How do I plow the snow?

For me it was plowing service. When I lived in Syracuse I had to travel on business from time to time and my DW was not really up to wrestling a snow blower. If you don't travel then either a really heavy duty snow blower or a tractor with a two stage blower like a Deere 5 series (or better) would w...
by Ged
Sun Jan 25, 2015 7:27 pm
 
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 5390

Re: Anyone still keep DVDs?

miles monroe wrote:of course. netflix doesn't have everything.


Especially streaming. I keep my DVDs and CDs because I've seen stuff disappear.
by Ged
Sun Jan 25, 2015 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 27
Views: 1898

Re: Reliability of LED televisions?

I have a Sharp 70" LCD backlit LED TV that is 4 years old. The first one of this model I had died in about a month.

So this is an example of the general rule of electronics is that if it lasts for a few months it's likely to run at least until it's obsolete.
by Ged
Sun Jan 25, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1254

Re: Poll: Locating deceased person's assets

A pile of stuff belonging to a recently deceased father who had been in cognitive decline. Had his mail forwarded to my address and in a couple of months a previously unknown tiny bank (<$50) account showed up.

I found everything else by going through his files.
by Ged
Sun Jan 25, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 2316

Re: How to get things wrong - Swiss Franc (CHF)

It's an interesting contrast: the goal of the SNB is to bring the value of the CHF down and the goal of the CBR (Central Bank of Russia) is to bring the value of the Ruble up. I wonder if it provides an opportunity for arbitrage. Victoria YIKES! Currency arb = swimming with large hungry sharks. Wit...
by Ged
Sun Jan 25, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3588

Re: What Book Are You Currently Reading? Part VI

Not quite sure where you were coming from re Scott's more recent work? As Alien and BR were much earlier. Alien was a tour de force as well, probably one of the most effective horror films ever made. Recent work like Get Santa, various dabblings in video games, the Old Testament etc. High Castle wa...
by Ged
Sat Jan 24, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 507
Views: 68222
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