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Re: A Little Common Core Math problem

Really there are a lot of ways to solve this problem that are mathematically correct. Solving simultaneous equations by elimination of variables and iteration over the set of answers are only two of the choices. The key thing in a case like this is the use of the problem to reinforce the subject mat...
by Ged
Thu Oct 30, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2260

Re: MS Windows 7 Dead [in 2020]?

Windows 10 is only a few months off. Surely that should obviate any concerns about needing Windows 8.
by Ged
Wed Oct 29, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 23
Views: 1663

Re: What to do with 5M?

Please post the investments your adviser has has selected for you. We think it's likely you are paying more than 1% for his services. So she picks stocks and bonds individually - I think I would feel bad if I posted her specific selections. Not exactly what a Bogle-style investor would like to see....
by Ged
Tue Oct 28, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2583

Re: What Book Are You Currently Reading? Part VI

The Peripheral by William Gibson.

I'm a huge fan and this is his first new sci fi in years and years. Just reading the first page and the familiar style is like putting on a favorite pair of slippers.
by Ged
Tue Oct 28, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9731

Re: What to do with 5M?

Please post the investments your adviser has has selected for you.

We think it's likely you are paying more than 1% for his services.
by Ged
Tue Oct 28, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 5M?
Replies: 27
Views: 2583

Re: Leave Bank of America and give up perks?

they were super helpful in dealing with all the paperwork involved with my late husband's estate (signature guarantees and asset transfers) and I really like the ability to transfer money instantly into my relatives' accounts (e.g., if my mom or daughter buys something for me, I can reimburse them ...
by Ged
Tue Oct 28, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leave Bank of America and give up perks?
Replies: 9
Views: 1009

Re: New appliances - Stainless Steel or not?

Most stainless alloys are magnetic, some others are not. It depends on the crystal structure of the alloy. Only fully austentitic alloys are not magnetic.

https://www.fastenal.com/web/en/75/magn ... -fasteners

So you might still get to use refrigerator magnets.
by Ged
Tue Oct 28, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2608

Re: 5 year warranty? [on existing appliances]

How often do you have appliance failures? I've been living in my current home for 22 years. In that time I've had 3 appliance failures, one was fixed by a repair and the other two were replacements of worn out units.

Cost for appliances has been about $100 per year.
by Ged
Tue Oct 28, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: 5 year warranty? [on existing appliances]
Replies: 16
Views: 992

Re: Vinyl Siding over wood

If it was my home I would. Outbuildings etc. not so much. Recently I had my storage shed done with vinyl siding. Some of the wood siding at the bottom where it often had contact with grass was showing some rot. There I decided it wasn't likely to be a long term issue one the source of water (grass) ...
by Ged
Tue Oct 28, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 6
Views: 752

Re: Will I get taxed if family sends my bank $50K from abroa

No.

Once your girlfriend owns US property US gift taxes apply - $5,000,000 lifetime exclusion however if it's more than $14K any given year there are forms to file and track for the rest of your life.
by Ged
Tue Oct 28, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Will I get taxed if family sends my bank $50K from abroad?
Replies: 10
Views: 1089

Re: Should I buy more REITs?

John3754 wrote:What does your IPS say?


Probably something like 'start another Boglehead thread to see what they say'.
by Ged
Mon Oct 27, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 39
Views: 3592

Re: If holding cash, do you want a Great Depression?

The problem with this is when do you buy?

Lots of people lost it all trying to time the market. The book "The Great Depression" by Benjamin Roth describes it all.
by Ged
Mon Oct 27, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 3915

Re: Expected Tax Drag of a Taxable Account

I think there can be a tax advantage to holding equities in a taxable account for the following reasons: 1. Capital gains taxation vs gains taxable as ordinary income. 2. Not subject to required minimum distribution which can bump SS into higher rate of taxation. 3. Reset of basis at death. 4. Appre...
by Ged
Mon Oct 27, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Expected Tax Drag of a Taxable Account
Replies: 7
Views: 1079

Re: Donee Unable to Accept Stock

A Google search turns up lots of public library web sites that refer to US Code 170 (c) (1) as justifying donations to them as being tax deductible. (c) Charitable contribution defined For purposes of this section, the term “charitable contribution” means a contribution or gift to or for the use of—...
by Ged
Mon Oct 27, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1887

Re: DVD-R, RW and VHS Player

These were never a good idea because you normally record a DVD at much higher speed than you play back the VHS tape. There used to be DVD/VHS/HDD hybrid units available but alas no more. There are a variety of tutorials on how to transfer a VHS tape to a computer from which you can make a DVD. This ...
by Ged
Mon Oct 27, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 870

Re: Do you dream about retirement?

My father was a very driven high energy guy who rose to a pretty high level in his career. He retired at age 52 and never looked back. He had a longer retired life than work life. I have a couple of long term friends who told me they plan to work until they drop. They asked me questions like 'what a...
by Ged
Mon Oct 27, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 83
Views: 5474

Re: Social Security 2033 and beyond

I will be 83 then which is just past break even for starting benefit collection at 70, so I don't plan on making any changes. I read an article that claimed the shortfall is due to changes in the income distribution resulting in more income being about the SS ceiling. It claimed that if the distribu...
by Ged
Sun Oct 26, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Social Security 2033 and beyond
Replies: 15
Views: 1256

Re: Done with Honda, not sure what next car should be?

We've owned VW products (now including Audi and Porsche) for 37 years. In my remembrance,they have been recalled 2 or 3 times, never for anything I considered serious. German cars are superior. BMW is part of this same air bag recall. Audi has some recent serious brake issues. http://www.industrywe...
by Ged
Sun Oct 26, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6952

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: 42
Views: 2031

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: 30
Views: 2279

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: 1690

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: 1027

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: 42
Views: 2031

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 [Roll 401(k) to IRA]
Replies: 23
Views: 2585

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: 131
Views: 6219

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: 4060

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: 686

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: 131
Views: 6219

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: 42
Views: 4420

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: 894

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: 24
Views: 1477

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: 82
Views: 6778

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 [Roll 401(k) to IRA]
Replies: 23
Views: 2585

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: 2219

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: 3856

Re: Phone for Europe trip

by Ged
Thu Oct 23, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1477

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: 2219

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: 1318

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: 2219

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: 929

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: 4060

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: 126
Views: 8975

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: 159
Views: 12435

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: 1054

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: 126
Views: 8975

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: 143
Views: 6837

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: 2309

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: 409

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: 2309

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: 6321
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