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Re: Good scotch recommendations, where to buy

I like them all and one of the ones that some purists scoff at is a new taste experience to me. Glenmorangie Quinta Rubin. Aged in port barrels. http://www.masterofmalt.com/whiskies/glenmorangie/glenmorangie-quinta-ruban-12-year-old-whisky/ I tried it once as a favor to a friend while sitting at a b...
by Hexdump
Tue Apr 22, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 44
Views: 2449

Re: KeePass vs LastPass

I use Lastpass, free version and have not tried the others. I had tried the paid version as it purported to be able to wotk well on IPads but I found that not to be the case. I subsequently reverted to the free version. Those issues on the IPad were back a version or 2 so maybe it have been improved...
by Hexdump
Mon Apr 21, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6025

Re: Baby Boomers: Top 10 Movies

I would put Dr. Strangelove on any list of movies not to be missed.

Loved it and still do.
by Hexdump
Sun Apr 20, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: Retirement defeasance

Here is a plan to use zero coupon bonds to defease retirement cash flows. Each maturity amount represents current spending levels adjusted for inflation. IRA required distributions will be defeased with taxable bonds. Taxable funds will be invested in muni zero's. This will be a 20 year program. Ex...
by Hexdump
Sat Apr 19, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Retirement defeasance
Replies: 29
Views: 2656

Re: Gave two weeks notice a week ago - benefits wrapup quest

We just went through this with my wife who retired effective 3/28/2014. The HR folks had told me that the COBRA (Conexis) folks would be sending me a packet in the mail with the enrollment forms, prices, etc. Thinking that I could jump the gun, I called Conexis and talked to 2 different individuals....
by Hexdump
Sat Apr 19, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Gave two weeks notice a week ago - benefits wrapup questions
Replies: 8
Views: 1728

Re: Deciding on a new HDHP

It would be important to me whether the Doctors and hospitals you want are in the plan or not. HMO's are typically more restrictive in the Doctors you can see and the hospitals you can use vs the PPO's. That might reduce your choices in half. Agree with the PPO vs HMO. I think I looked at those exa...
by Hexdump
Thu Apr 17, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Deciding on a new HDHP
Replies: 3
Views: 305

Re: I have a cell phone and am in search of a carrier

Something else that I am unsure of. My wife likes to snap pictures of different things and then send it via a text message to her buddies. Most times it works, some times it doesn't and that is with ATT. And I still can't figure out why unless it has something to do with the size in mb. And, I was j...
by Hexdump
Sun Apr 13, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

Based upon the reference that Jeffscott posted I think I might be able to make this work using 2 providers. There are a few that will use Sprint branded phones and sell us an unlimited voice and message service for a very reasonable price imho. Then I saw a service named FreedomPop that sells mobile...
by Hexdump
Sun Apr 13, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

A search for: "bring your own sprint device" seems to indicate the devices have to be older to qualify, one indicated that they had to have been on the market for over a year. In the past I do know that people had success getting sprint phones activated on Boost, even though this was not ...
by Hexdump
Sun Apr 13, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

In my limited experience Verizon is tops. Their network is better. During Superstorm Sandy, my neighbor with Verizon had constant service. My T-mobile service was out for 3 days. But Verizon is more experience. Look at http://www.pagepluscellular.com they're on the Verizon network. Edit: What made ...
by Hexdump
Sun Apr 13, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

I believe the only thing you can do with a used clean ESN Sprint phone is use it on Ting. Sprint phones are on CDMA, the absolute worst network in the known universe and don't have replaceable SIM cards. Hi Clubby and that is good to know though how I could have been forewarned is a puzzle to me. S...
by Hexdump
Sat Apr 12, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

I think some of the people answering are confused. Sprint which is CDMA is the new phone. The old phone which is out of the picture so to speak was on AT&T. Can a brand new Sprint phone be used on anything other than Sprint? That is the question here. I am not familiar with how this sort of thi...
by Hexdump
Sat Apr 12, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: I have a cell phone and am in search of a carrier

I think some of the people answering are confused. Sprint which is CDMA is the new phone. The old phone which is out of the picture so to speak was on AT&T. Can a brand new Sprint phone be used on anything other than Sprint? That is the question here. I am not familiar with how this sort of thi...
by Hexdump
Sat Apr 12, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

I have a cell phone and am in search of a carrier

And I trust the knowledgeable folks here. The phone is the new Samsung Galaxy Note 3, from Sprint, and it is for my wife. Presently she has a Galaxy Note, the original, with ATT, and the contract is about to expire. YAY ! She will have no other phone than the Galaxy Note. So, I was going to sign her...
by Hexdump
Sat Apr 12, 2014 5:39 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: How to account for an annuity ?

Munir , very good response , I totally forgot those two other annuity possibilities , cash refund and term certain :oops: -- and my apology to you HexDump , you do know what you have . I don't think the cash refund annuity is a common optional form of payment from a pension plan whereas the term ce...
by Hexdump
Wed Apr 09, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: New TV or Sound bar?

We just bought both a TV and a sound bar and I did an A/B listening test last night. The sound from the TV sux which I expected, though it is a top model of Samsung 60" This is the soundbar: http://www.amazon.com/Samsung-HW-F550-2-1-Channel-Soundbar-Black/dp/B00HZRWFI6/ref=sr_1_1?ie=UTF8&qi...
by Hexdump
Wed Apr 09, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2236

Re: How to account for an annuity ?

Just a quick note to Hexdump, must be an ex computer guy ?? , there won't be a remaining balance , it ends at the last to die with no leftover - unless you have some type of investment product that is called an annuity and could have a balance at the end ?? I think you need to find out and understa...
by Hexdump
Wed Apr 09, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: How to account for an annuity ?

Just a quick note to Hexdump, must be an ex computer guy ?? , there won't be a remaining balance , it ends at the last to die with no leftover - unless you have some type of investment product that is called an annuity and could have a balance at the end ?? I think you need to find out and understa...
by Hexdump
Tue Apr 08, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: How to account for an annuity ?

Munir , it's most likely a joint and survivor annuity not a strict joint life annuity , the later wouldn't make sense & I hope that's not what he bought . My bad, it is a joint and survivor and as I can see from the great discussions, it makes sense to value it at least 2 ways. And as has been ...
by Hexdump
Mon Apr 07, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: GPS with "favor interstates" option?

Nisi, I agree with your conclusion about GPSs and traffic lights. They seem to just look at speed limits and base travel time mostly on that. I will often take my own route to the freeway and let my GPS catch up by recalculating until we settle on an 'agreed' route. When in a known area I typically...
by Hexdump
Sat Apr 05, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1343

How to account for an annuity ?

For those who use some kind of personal finance software like Quicken, I have some questions. We just bought an annuity for $300,000.00 and in my software, my net worth went down by that amount. Hmmm, says I, that's not right so let's fix it. I know what I did to account for it and I would like to s...
by Hexdump
Sat Apr 05, 2014 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1934

Re: best vacuum cleaner

dewey wrote:Dyson is our first bagless. It's terrific. Feeling like a Boglehead by never buying bags again. So easy to empty and operate. And--most important--cleans better than anything we've ever owned. Two thumbs up for Dyson.


Ditto, this is our 1st Dyson and it's an animal.
by Hexdump
Thu Apr 03, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: best vacuum cleaner
Replies: 23
Views: 1652

Re: Gardening - asparagus in particular

Can I snap off the crowns from the store bought asparagus and plant them with any hope of success ? I am not known for having a lot of patience but asparagus seem to be worth it. I would love to be able to eat some in about 2 years. Lol, when I talk about a raised bed, I made one to accommodate my b...
by Hexdump
Thu Apr 03, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 25
Views: 1886

Re: "Investing" in gift cards

I used to play those games years ago. Now I don't bother and prefer to keep everything as simple as possible. +1 Seems this is the modern version of clipping coupons? Can't see that it is really worth the time, unless you must. Does anyone clip coupons anymore? :moneybag My mom saves about 50$ a we...
by Hexdump
Thu Apr 03, 2014 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2645

Re: I need an ETF equivalent to VMLTX (Muni Limited Tax Exem

I wonder if you are being fooled by the name. What is the duration of VMTLX? Isn't it an intermediate-term bond fund? If so, why not use BND? I don't think so as it appears to be shorter than the short term bond index. I wanted something that would not fluctuate so much and yield better than the mo...
by Hexdump
Thu Apr 03, 2014 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: I need an ETF equivalent to VMLTX (Muni Limited Tax Exempt)
Replies: 6
Views: 724

Re: I need an ETF equivalent to VMLTX (Muni Limited Tax Exem

I will try and explain this. I use VMLTX in my Vanguard brokerage account in lieu of a money market. Muni bonds make sense there since it is a taxable account. So, I was looking for something similar in a tax-free account, similar duration, similar performance, similar risk/reward. I saw all the sho...
by Hexdump
Wed Apr 02, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need an ETF equivalent to VMLTX (Muni Limited Tax Exempt)
Replies: 6
Views: 724

I need an ETF equivalent to VMLTX (Muni Limited Tax Exempt)

This is for an HSA account that I might be moving to another administrator where the Vanguard mutual funds might not be available plus I would like to get a taxable version since it will be in a tax free account. What I see at vanguard is the short term total bond index, investment grade, treasuries...
by Hexdump
Wed Apr 02, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need an ETF equivalent to VMLTX (Muni Limited Tax Exempt)
Replies: 6
Views: 724

Re: Gardening - asparagus in particular

This is interesting to me. I never knew that asparagus was a plant that could keep on giving. We love them so I will try them this year and set aside a small part of the raised bed.
I suspect that we might have to wait a few years until we can harvest them.
by Hexdump
Tue Apr 01, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Gardening - asparagus in particular
Replies: 25
Views: 1886

Re: Windows XP to Linux Question with existing HW

I did pretty much exactly that only I picked openSUSE rather than ubuntu or any of the other 4 flavors that I tested. The main reason was that I replaced Quicken with a linux based financial app named KMyMoney and they recommended openSUSE. Still in all, you are probably still going to have issues w...
by Hexdump
Tue Apr 01, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2365

Re: "Investing" in gift cards

Probably unrelated but I find it curious that someone would pay $56.00 for a $50.00 Shell gift card.

And I saw a lot of similar examples.
What am I not seeing ?
by Hexdump
Mon Mar 31, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 2645

Re: Lazy portfolios: no returns or risk information

I've been a fan of this blog for a few years now and this is the most valuable discussion that I can recall. Thanks Frans and Mazz for not blindly accepting the standard platitude "past performance does not predict future results". Not suggesting that theory is incorrect, but I find this ...
by Hexdump
Sun Mar 30, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6646

Re: POLL: Do you use your HSA funds to pay for medical expen

What I plan to do and it's still open for discussion is to pay any medical expenses up to the yearly budgeted amount. I figured that those have been accounted for and that it will be anything over $5,000 that we will withdraw from the HSA. We do plan on maxing out the HSA contribution each year. Thi...
by Hexdump
Sat Mar 29, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4193

Re: Anyone been to Singapore?

We loved Singapore but were there for only about 3 days in 1982.
Had chili crabs ++++ at, I think a place named the Red Barn, with copious pints of Guiness.

Highly recommended.
by Hexdump
Mon Mar 24, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 1728

Re: Please help guestimate some expenses in retirement

We are shopping right now for a medical plan for my wife who is retiring at the end of this week She is 57 and we plan to use the COBRA plan unless we can find something better. We looked at a BC/BS plan named Blue Choice Bronze PPO 006 for $425/month. It is a HD/HSA plan with a $6000 deductible and...
by Hexdump
Mon Mar 24, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help guestimate some expenses in retirement
Replies: 10
Views: 835

Re: Frugality regret: What thing do you regret not spending

Microsoft stock when it 1st came out.
I was in the IT business and had an early copy of one of their software releases and I was impressed and told myself that they were going places and that I should really buy some of it.

Much weeping and moaning and gnashing of teeth.
by Hexdump
Sun Mar 23, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14343

Re: PenFed v. Truecar v. BJs v. Costco auto buying

The last new car we bought was a 2011 Lexus, ES-350 and the best price was from a dealers ad on Ebay. I figured it was about $1500 under other quotes I had gotten.
by Hexdump
Sun Mar 23, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 16
Views: 1791

Re: Flying in and out of Midway

Lol, at 1st I thought you meant the island. :D
by Hexdump
Sun Mar 23, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Flying in and out of Midway
Replies: 13
Views: 1147

From which account to make a withdrawal ?

I am looking to make a $6,500 max contribution to my wifes traditional IRA and I don't have any funds laying around. I do have the $$$ in either my Roth or my T-IRA so I will get it from one of those. If I have this right: Withdraw from the T-IRA and the taxable income event will be for 2014, yet I ...
by Hexdump
Sat Mar 15, 2014 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: From which account to make a withdrawal ?
Replies: 2
Views: 277

3D movie/documentary on DVD ?

We are about to expand the home theater system with a large screen, 3D capable TV and I was wanting to buy a DVD that will knock my wife's socks off. Something that will help me justify the $$$ that I am spending. I know that it is somewhat of a gimmick and we won't get a ton of use out of it but I ...
by Hexdump
Thu Mar 13, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: 3D movie/documentary on DVD ?
Replies: 1
Views: 160

Re: Do you have a favorite chocolate bar?

Snickers, hands down with Reeses Peanut Butter Cups a far 2nd.
I like to freeze Snickers, yummie !
by Hexdump
Sun Mar 09, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4084

Re: VG webcast: "Spending Strategies for your Retirement Yea

That is a quite useful summary NightOwl, thanks.
by Hexdump
Fri Mar 07, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: VG webcast: "Spending Strategies for your Retirement Years"
Replies: 6
Views: 758

Re: Take SS now or spend down saving & Delay Benefit

We just went through this exercise for my wife and found this site to be extremely helpful http://www.ssa.gov/retire2/applying6.htm#a0=0 It's the same folks that do Esplanner. They want $40.00 for a personal license but I think that it was worth it. No connection, yada, yada. Good luck
by Hexdump
Fri Mar 07, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Take SS now or spend down saving & Delay Benefit
Replies: 12
Views: 1127

Soundbar speaker experiences ?

I have never had one of these before and am now looking at them. We are about to hang a 55", LED T.V. on our wall and I am going about doing research for a sound system. I have some traditional, free standing speakers and I think that I will move them upstairs into a listening room, away from t...
by Hexdump
Wed Mar 05, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Soundbar speaker experiences ?
Replies: 3
Views: 361

Re: Different target retirement age per spouse?

We have a 17 year difference. I have been retired since 2004 and DW is just now retiring.
With such a difference in our ages, I consider the whole portfolio to be hers and any projections I do as to SWR and running out of $$$ is based upon her age.
1.5 is trivial, no offense intended.
by Hexdump
Mon Mar 03, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Different target retirement age per spouse?
Replies: 7
Views: 419

Re: Keurig vs normal coffeemaker?

We have one of these: Black & Decker DCM18S Brew 'n Go Personal Coffeemaker with Travel Mug http://www.amazon.com/Black-Decker-DCM18S-Personal-Coffeemaker/dp/B00005MF9C/ref=sr_1_1?ie=UTF8&qid=1393773742&sr=8-1&keywords=black+and+decker+brew+and+go At $18, you can't go wrong. It make...
by Hexdump
Sun Mar 02, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6281

Re: Keurig vs normal coffeemaker?

Well, I do both,,,sorta. The 1st pot in the morning is a regular, old style drip brand. I make about 5 cups and drink on that for about 2 hours. Then I have a Bunn Pod single serve pod machine that I use for another 3 cups throughout the day. At the time that I bought the Bunn, I had compared it to ...
by Hexdump
Sun Mar 02, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6281

Re: Use of tax software for planning

Esplanner Pro can map that out but what might be more useful in your situation is http://maximizemysocialsecurity.com made by the same person. I personally use Esplanner Pro and think it's useful to get a rough idea on future years but have no experience with the maximizesocialsecurity site so if y...
by Hexdump
Sat Mar 01, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use of tax software for planning
Replies: 17
Views: 1138

Re: Wellesley's income

rkhusky wrote:
Shouldn't cash after be $250?


Yes.
by Hexdump
Wed Feb 26, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Wellesley's income
Replies: 21
Views: 3053

Re: Wellesley's income

One thing to be aware of re the LT and ST capital gains is that your investment account will have the same worth. That is because the $$$ distributed as LT and ST will reduce the share price by an equal amount. A simple example: Before distribution: Cash: $50.00 Wellesley: 100 shares @ $25.00 LT &am...
by Hexdump
Tue Feb 25, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Wellesley's income
Replies: 21
Views: 3053

Re: Sonos sound system ?

Thank you for all this helpful info. I am not so much interested in the multi room ability as I am in being wireless and small footprint. I now have a traditional A/V receiver connected to a variety of video/audio sources and a smaller LCD TV. DW and I have a 55" LED TV coming and I will need t...
by Hexdump
Mon Feb 24, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Sonos sound system ?
Replies: 18
Views: 1212
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