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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: 532

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: 89
Views: 3969

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: 5
Views: 365

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: 1270

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: 1270

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: 1270

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: 42
Views: 1590

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: 80
Views: 6113

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: 89
Views: 3969

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: 42
Views: 1590

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: 1561

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: 1171

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: 46
Views: 2112

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: 33
Views: 1799

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: 26
Views: 2931

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: 78
Views: 2559

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: 688

Re: What will you do when you retire?

Already retired,,some of the things I do,,,sleep late sometimes,cook,clean,read,play golf,visit family,travel,Study wikipedia,work with computers and various other technologies,play golf,take care of the yard,play crossword puzzles,enjoy photography,read bogleheads,stream netfilix,youtube,watch the...
by Ged
Fri Oct 17, 2014 8:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 35
Views: 3189

Re: Be careful if you get this email

I have my email system set up to automatically dump these emails with dangerous attachments into the bit-bucket.
by Ged
Fri Oct 17, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1928

Re: Grand Canyon by rail

What are the logistics of getting to the north rim? I've heard some good things about the lodge there and would like to spend some time there.
by Ged
Thu Oct 16, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 663

Re: What is common for a severance package?

Like others said it varies a lot by company. When I lost my long term megacorp job after 22 years they gave me 2 weeks per year of salary continuation (which included all benefits) plus a 6 month salary only lump sum. I was at fairly high technical level in a dual ladder - the equivalent business la...
by Ged
Thu Oct 16, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1789

Re: Your personal risk level: Got your flu shot yet?

Scheduled for my shot on the 23rd of this month. The nurse that does these calls the vaccine 'venom'. Sometimes it stings like it too.
by Ged
Wed Oct 15, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2923

Re: What happened to the audiophile?[High quality music sour

On the “low end” of higher resolution music (CD lossless, 44.1kHz/16 bit), PonoMusic files have about 6 times more musical information than a typical mp3. With ultra-high resolution recordings (192kHz/24 bit), the difference between a PonoMusic digital file and an mp3 is about 30 times more data fr...
by Ged
Wed Oct 15, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3639

Re: Maximum Number of Medicare Hospital Days

Medigap insurance covers additional hospital days, up to 365 once the Medicare benefit is exhausted.
by Ged
Wed Oct 15, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 732

Re: Security Alert [SSL "Poodle" attack]

Microsoft IE 6 is not supported by MS any more, and the latest SSL it supports is 3.0. This was the browser originally shipped with Windows XP.

If you are running an old version of Windows and use IE 6 this would be a good time to find something else.
by Ged
Wed Oct 15, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Security Alert [SSL "Poodle" attack]
Replies: 9
Views: 1084

Re: Why does the stock market beat inflation?

Well, one way of looking at it is it beats inflation because it has to . Nobody would invest in stocks if there wasn't some compensation for the risk of investment. Businesses would not be able to attract capital if their operation did not propose to generate returns greater than inflation. Otherwis...
by Ged
Tue Oct 14, 2014 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3025

Re: Need dispensation to pay ROTH conversion taxes from tIRA

I'm not sure that 'growing untaxed' is the advantage here. RMDs are not bad if they are tax neutral. However with SS taxation increasing with income your RMD can put you in an effectively higher marginal tax bracket. If you know you are likely to be in a 25% tax bracket once you start RMDs and SS yo...
by Ged
Tue Oct 14, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 776

Re: Considering a more aggressive AA than age = bonds

I think you should pick your asset allocation based on liability matching. For example figure out what you are going to need over a 10 year period and make sure that part is in something that is stable and liquid. For people doing a 4% withdrawal that's 40%. Age in bonds is a useful simplification b...
by Ged
Tue Oct 14, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering a more aggressive AA than age = bonds
Replies: 41
Views: 3168

Re: Computer codes availability at indep. repair garages?

LadyGeek wrote:Another reason I'm taking it to the dealer is that the filter is under an access cover. Due to the low ground clearance, I'd need to put it on a lift.


Evil.
by Ged
Tue Oct 14, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 41
Views: 1616

Re: U.S. stocks in freefall

Austintatious wrote:
Trader Joe wrote:Expect the stock market drop to continue.



because?


Check his posting history and you will see the reasoning behind his posts.
by Ged
Mon Oct 13, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156279

Re: Computer codes availability at indep. repair garages?

My Honda dealer has a week day special for $4 off an oil change (Tues - Thurs), walk-ins accepted any time. I paid $33 (including tacks), which is 50 cents cheaper than if I bought a cheap synthetic oil (0W - 20W) and filter. It's not worth it to change the oil myself. As for resetting oil reminder...
by Ged
Mon Oct 13, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 41
Views: 1616

Re: Does your ROTH hold risky or stable items?

I have risky assets only in my ROTH accounts. The reason is I expect these accounts will be part of my legacy and may have a lifetime of 50 years or more.
by Ged
Mon Oct 13, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 49
Views: 2639

Re: Apple Airport Extreme vs Express as Range Extender

I've had much better success using powerline network adapters than wifi extenders.

I've read that a lot depends on how good the quality of your electrical wiring is, so if you decide to do this you might want to buy from a place with a good return policy.
by Ged
Mon Oct 13, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 670

Re: Help me not thinking about getting a brand new car

I don't think you are going to get much help here on this one.

Buying a late model used Toy-onda vs. a new one isn't a obvious financial choice, and there is something about a new car that is just satisfying.
by Ged
Mon Oct 13, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 930

Re: Losing money, please advise

schmitz wrote:Reading this thread, all I can think is "I wish I lost 30k this week!"

Actually if I lost a million this week, then I could retire already.


Yes, along with wishing to lose a million in the market, some year I would like to pay a million in income taxes.
by Ged
Mon Oct 13, 2014 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5000

Re: Snow Blower

Set40 wrote:
Knowing my luck this will ensure against any snow fall this year.


If I thought this would work I would by a snow blower more often.
by Ged
Mon Oct 13, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2550

Re: Critically Acclaimed Movies you did not like

bertilak wrote:
Donnie Baseball Fan wrote:
Levett wrote:Memento--handily.



+1 for Memento. How it has a 92% on Rotten Tomatoes is beyond my comprehension.

Loved the movie. Saw it on DVD.


Yes, I really liked Memento as well. Very original.
by Ged
Mon Oct 13, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 7989

Re: What happens when there is no estate planning: reference

Dying intestate is something you do if you just don't like your kids at all. Not only does the state dictate who gets what, they may also assign an executor who will also take a cut of the estate.
by Ged
Mon Oct 13, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1143

Re: Computer codes availability at indep. repair garages?

$90 is pretty outrageous for a Honda at an independent garage.

My last oil change for an Acura at the dealer (in a HCOL area) cost me $45, and that was full synthetic (0-20W of all things) with free coffee bagel and wifi while I waited plus wash/vacuum and a diagnostic of the rest of the car.
by Ged
Mon Oct 13, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 41
Views: 1616

Re: POLL : SP500 next : 1900 or 2200?

Under 1900 now.
by Ged
Mon Oct 13, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2981

Re: Fidelity Investments Hacked

If it is state sponsored like some suspect it is certainly a very serious matter. War against capitalism is maybe a bit hyperbolic. More like economic piracy which has been around for a very long time. There are a lot political aspects to this which are off-topic here. I will say I think a lot of th...
by Ged
Mon Oct 13, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2476

Re: Bought a house, now time to think about retirement (help

Save 20% of your pre-tax income into tax-deferred accounts. Invest those savings into the lowest cost index funds available to you.
by Ged
Mon Oct 13, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 1880

Re: What's the best Comcast phone and cable deal?

rjm_cali wrote:
And don't get me started on mobile phone contracts.



Of all the things I buy Cable is the worst, by far. Mobile phone I've learned to deal with by going pre-paid.
by Ged
Mon Oct 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 961

Re: Gold: Is now the time?

I don't think gold is an investment. If I had a lot of money, say 9 figures I could see owning some as a form of diversification or hedge.

I were in a position like this I think now would be a decent time to do it since it is well below recent highs.
by Ged
Mon Oct 13, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2287

Re: Do you every turn your smart phone off?

I turn my smart phone on maybe once a month.
by Ged
Sun Oct 12, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1887

Re: Reverse Mortgages

I would only take a reverse mortgage if there were no other sources of money. Last resort. If you have to do it and then want to move it's a disaster.
by Ged
Sun Oct 12, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2041

Re: Is Probate Required?

You really need to check your state laws.

You should thank your father for his help with this. I really wish my father had done what yours has done for you. In his later years he became very obstinate about doing anything to get his estate in order.
by Ged
Sun Oct 12, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Probate Required?
Replies: 9
Views: 844

Re: Suggest an AM - FM Stereo Receiver?

One thing you haven't told us is whether or not your DVD player has analog or digital outputs and what kind of connection it uses to your TV. My guess is you will probably want a receiver that has some sort of TOSLINK or SPDIF input facility so you can play the digital stream from a DVD player or TV...
by Ged
Sat Oct 11, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Suggest an AM - FM Stereo Receiver?
Replies: 24
Views: 1780
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