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Re: Favorite Narrators for Fictional Audiobooks

An interesting and timely topic as I just started giving audiobooks a try. My 1st one was I think, book 6 in the Iron Druid series by Kevin Hearne, and the narrator made a world of difference. He is Luke Daniels. Along those lines, I also started the Wheel of Time (phew) and the narrator is not near...
by Hexdump
Thu Dec 18, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Favorite Narrators for Fictional Audiobooks
Replies: 9
Views: 440

Re: VPW and annuities

How do you intend to liquidate the annuity? Are you going to annuitize, which means the principal disappears but you gain the annuity income stream? That would be the usual idea, I think. The annuity pays me a monthly payment which will continue until both me and my wife die. No liquidation involve...
by Hexdump
Tue Dec 16, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: VPW and annuities
Replies: 5
Views: 558

VPW and annuities

I would like a Boglehead to check out my reasoning here cause I want to make sure that I get it correct. We have approximately $1m in liquid assets but not including a $300,000 annuity. I use one form of the VPW (Variable Percentage Withdrawals) to calculate what we can spend next year. This is our ...
by Hexdump
Tue Dec 16, 2014 6:58 am
 
Forum: Personal Finance (Not Investing)
Topic: VPW and annuities
Replies: 5
Views: 558

Another new laptop advice.

My brother will be visiting over the holidays and I have heard rumors that he will want me to help him shop for a new computer. Groan ! I can not count the number of calls I get from him with support issues. Dumb stuff too and a real test of my patience. The only app of any consequence that he runs ...
by Hexdump
Sun Dec 14, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Another new laptop advice.
Replies: 10
Views: 1204

Re: Apple software update / can no longer highlight text

Shameful is the term the comes to mind. I love having a tablet, but am really questioning what positive I have with iPad. Do not go to the latest iOs without testing it out one some poor suckers machine. I second this motion. What a mistake to blindly do the upgrade. Performance took a horrendous h...
by Hexdump
Sun Dec 14, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1183

Re: Vanguard/TurboTax purchase experience

I agree that they could clean up that ordering process quite a lot.
That whole TurboTax advantage thing was very annoying and clumsy to get around.
by Hexdump
Sat Dec 13, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Vanguard/TurboTax purchase experience
Replies: 4
Views: 1022

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

Perhaps this deserves its own thread but has anyone used TurboTax on their IPad ?
I see that they offer it.
by Hexdump
Sun Dec 07, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 3876

Re: Variable Percentage Withdrawal (VPW)

I follow this thread closely and try and keep the most current spreadsheet downloaded. One thing that I was trying to do was to vary the projected growth of my portfolio. We use a 100% allocation to Wellesley and I wanted to use their growth % since inception. I pare it down a bit at 6% which I thin...
by Hexdump
Sat Dec 06, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 510
Views: 84727

Re: Buying a kids first car -- considerations?

I am trying to remember what we did and I think that I have these correct. I promised our son that I would buy him a new car upon graduation from HS if he stayed on the honor roll. Well, he did, and I did. A 2001 Toyota Corolla. What really bothered him was that I insisted on getting a manual transm...
by Hexdump
Sat Dec 06, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Buying a kids first car -- considerations?
Replies: 25
Views: 2578

What to measure as to "tightening the belt"

I was trying to figure out on what, and where to set a benchmark as to saying that it is time to tighten up on the spending. This year what with the market doing so well, it would seem that we should be able to spend more, and so we have. Yet somehow I want to measure it and see if I am delusional I...
by Hexdump
Sun Nov 30, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What to measure as to "tightening the belt"
Replies: 11
Views: 1278

Re: Last Pass in the Cloud

This has been an excellent post. I mean the replies-not my uneducated question. I am also afraid to carry the USB around with the great chance of not having it when needed. I will definitely improve my master password. How about LP generating it and then hiding it somewhere secure? I can't believe ...
by Hexdump
Fri Nov 28, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Last Pass in the Cloud
Replies: 28
Views: 2182

Re: Bluetooth headset recommendation ?

My wife has asked for one of these for Christmas and she does not like the itty bitty things that stick in your ear. By "itty bitty things that stick in your ear" do you mean ear buds or do you mean the standard one-ear Bluetooth earpiece? There's a wide range of options ranging from ear ...
by Hexdump
Wed Nov 26, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: Bluetooth headset recommendation ?
Replies: 4
Views: 707

This looks like a decent credit card.

and I apologize if the info has already been posted. Chase Freedom Card ===================================== EARN A $200 BONUS after you spend $500 on purchases in your first 3 months from account opening.* Earn a $25 bonus when you add your first authorized user and make your first purchase within...
by Hexdump
Tue Nov 25, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: This looks like a decent credit card.
Replies: 6
Views: 919

Bluetooth headset recommendation ?

My wife has asked for one of these for Christmas and she does not like the itty bitty things that stick in your ear. Primarily, she wants to be able to lie down and watch videos on her PC without the hassle of a cord and I think that she alluded to using it with her phone so a microphone might be ne...
by Hexdump
Tue Nov 25, 2014 6:56 am
 
Forum: Personal Consumer Issues
Topic: Bluetooth headset recommendation ?
Replies: 4
Views: 707

Re: New Electrical Outlets are tough to Penetrate

Hah ! So that's what it was. I bought some expansion thingies that let me turn a "1" outlet into a "3" outlet and couldn't for the life of me figure out why I could not plug anything into it. I even got out a very thin blade screwdriver to see if the slot was jammed. And of cours...
by Hexdump
Wed Nov 19, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: New Electrical Outlets are tough to Penetrate
Replies: 7
Views: 2367

Re: VWINX (Wellesley Inc.)

We settled on Wellesley as our single fund solution because of the simplicity in this respect. I have, and have had no problem managing a 3 fund portfolio but my wife who is likely to outlive me, would not be willing, nor able to handle it to any degree of safety to satisfy me. She wants, and I want...
by Hexdump
Mon Nov 17, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 5433

Re: Harry's razors

Have a look at this site. http://www.badgerandblade.com/ They have a ton of info on shaving as well as a used market. I was very active for quite a while until I settled on my daily kit. It was fun searching for, refurbishing, and using a razor from my birth year. A Gillette tech razor (considered m...
by Hexdump
Sun Nov 16, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 5701

Re: Vanguard Capital Gains

Aren't some of the distributions pro-rated ? That is, if I own 1 share for 1 day rather than for the complete year.

thanks
by Hexdump
Thu Nov 13, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2692

Re: Late medicare enrollment if you switch from insurance

I think that I am remembering these events correctly. At the time that I retired at age 65 in 2004, my wife continued to work and I was covered on her policy. I registered for Medicare parts A & B and then cancelled Part B. The premiums on her policy were paid by the company. After she changed e...
by Hexdump
Wed Nov 12, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Late medicare enrollment if you switch from insurance
Replies: 10
Views: 1098

Re: Yet Another Credit Card Thread

A bit off topic but related.

Does anyone know if Costco is counted as groceries for the Amex Blue card ?

thanks
by Hexdump
Tue Nov 11, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2137

Re: Anyone use finance s/ware Quicken/MoneyDance etc ?

I switched from Quicken to KMyMoney and have not missed Quicken at all.
I tried everything in between before settling on it.
It is a Linux based app but runs just fine on Windows.
The price is right since it is free.
by Hexdump
Thu Nov 06, 2014 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use finance s/ware Quicken/MoneyDance etc ?
Replies: 23
Views: 1180

Re: $400 reward to open Chase accounts

So is there anyone who can confirm that simply making a regular ACH transfer from one bank to another qualify as Direct Deposit? I can confirm that it works. I did an ACH transfer and got my $300.00 bonus today. 11/04/2014 Misc. Credit $300 for New Checking $300.00 10/27/2014 ACH Credit VGI-LDT TE ...
by Hexdump
Wed Nov 05, 2014 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10624

Re: Any other geeks working on software to manage their inve

When I was fooling around with buying and selling stocks and options, I put together a spreadsheet to filter stocks based upon the formula in the book by Ben Graham. After all the filtering it recommended that I buy Presto, so I bought a ton of it. I made a killing in that right after I bought it, P...
by Hexdump
Tue Nov 04, 2014 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Any other geeks working on software to manage their investme
Replies: 24
Views: 3000

Re: Paying for new car with loan or IRA?

Do you have enough equity in your home to tap for the car ?
Maybe get the $$$ there.
by Hexdump
Fri Oct 31, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 575

Re: Medigap Open Enrollment date varies ?

Thanks for the info and I think that you are correct. I was shopping for a Part D plan as mine went way up and I was also thinking of changing my medigap policy from "G" to F Hi-Ded. Additionally my wife has a private major medical policy and I was hoping to get some kind of a multi-policy...
by Hexdump
Wed Oct 29, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Open Enrollment date varies ?
Replies: 3
Views: 344

Medigap Open Enrollment date varies ?

About this time of the year I always go into the weeds as to shopping for a new Medigap and Prescription plan. Then I noticed that my medigap policy effective date is 7/1/2012. So, I think that I have a different open enrollment period rather than the standard. Is there a way to determine what my en...
by Hexdump
Tue Oct 28, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Open Enrollment date varies ?
Replies: 3
Views: 344

Medigap policy change. This seems like a no brainier.

So of course I will need to check it out. I presently have plan "G" and for 2015 will pay a monthly premium of $183.57 (183.57 x 12 = $2,202.84) The high-ded plan "F" monthly premium will be $50.42. (50.42 x 12 = $695.04) The 2015 deductible for plan F will be $2,180. Ignoring th...
by Hexdump
Fri Oct 24, 2014 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap policy change. This seems like a no brainier.
Replies: 2
Views: 351

Re: [Confused with Medigap Options]

"Thankfully, since I am on plan G, I had nothing to pay as well as not having to attempt to reconcile these charges." At some point (early on in the year) you did have to cough up the first $147 of somebody's charges, didn't you? Plan G does not pay the Part B premium. You pay the Part B ...
by Hexdump
Tue Oct 21, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1934

Re: [Confused with Medigap Options]

"Thankfully, since I am on plan G, I had nothing to pay as well as not having to attempt to reconcile these charges." At some point (early on in the year) you did have to cough up the first $147 of somebody's charges, didn't you? Plan G does not pay the Part B premium. Yes, that's correct...
by Hexdump
Tue Oct 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1934

Re: [Confused with Medigap Options]

I have been going through the exercise to see if it would be better for me to get the hi-ded plan F or plan G. I took a look at my records for last year to see how I would have fared had I had to pay the $2,180.00 deductible for plan F. It is impossible to figure out what is what. As an example, I ...
by Hexdump
Tue Oct 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1934

Re: [Confused with Medigap Options]

I have been going through the exercise to see if it would be better for me to get the hi-ded plan F or plan G. I took a look at my records for last year to see how I would have fared had I had to pay the $2,180.00 deductible for plan F. It is impossible to figure out what is what. As an example, I w...
by Hexdump
Mon Oct 20, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1934

Be careful if you get this email [scam, infected with virus]

I got this email and though it looks somewhat legit, it is a scam and contains a virus. The attachment is a zip file which contains the virus. So, if you get one like this, delete it. ============================================== ----- Original message ----- From: Notice to Appear To: aaaaaaaaaaaaa...
by Hexdump
Fri Oct 17, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1992

Re: $400 reward to open Chase accounts

Sometimes these deals require a direct deposit. What defines this? I am self employed - can I set something up to direct deposit into the chase account? Like a monthly transfer from my capital one online bank account? I asked the clerk about this and he said as long as it was an ACH transfer, that ...
by Hexdump
Tue Oct 14, 2014 6:36 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10624

Re: Health Insurance - Retiree questions

My wife is using the COBRA benefit since she just recently retired and is not eligible for Medicare. Her plan is with United Health Care, a high deductible of $3,000 and a copay of 10% It also includes a dental family plan. The total premium is $517.00/month of which $83.00 is dental. For some reaso...
by Hexdump
Mon Oct 13, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1597

Re: Best town I've never heard of [for relocating]

saladdin wrote:Really think people have no clue what bearable winter means.


To me it means snow is ok as long as the roads don't freeze, I can still drive around and the utilities stay on.
I was surprised to see someone suggest No. Dakota.
by Hexdump
Mon Oct 13, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10285

Re: $400 reward to open Chase accounts

Sometimes these deals require a direct deposit. What defines this? I am self employed - can I set something up to direct deposit into the chase account? Like a monthly transfer from my capital one online bank account? I asked the clerk about this and he said as long as it was an ACH transfer, that ...
by Hexdump
Sun Oct 12, 2014 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10624

Re: $400 reward to open Chase accounts

Sometimes these deals require a direct deposit. What defines this? I am self employed - can I set something up to direct deposit into the chase account? Like a monthly transfer from my capital one online bank account? I asked the clerk about this and he said as long as it was an ACH transfer, that ...
by Hexdump
Sat Oct 11, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10624

Re: $400 reward to open Chase accounts

Received a new offer in the mail yesterday - it's up to $450 now, valid thru 11/29. $300 for a checking account with direct deposit (no minimum) and $150 for a savings account with at least $10K deposited for 90 days. All monthly fees are waived with a >$5K daily balance, which is obviously taken c...
by Hexdump
Fri Oct 10, 2014 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 41
Views: 10624

Re: Small Moneysavers Which Add Up

I subscribe to Bookbub.com and get a daily offer of about 10 Kindle books.
Usually 1/2 of them are no charge.

http://landers.bookbub.com/bestsellers-covers-2-m/?
by Hexdump
Thu Oct 09, 2014 6:46 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7520

Re: Small Moneysavers Which Add Up

Dutch wrote:Save even more by cutting the cable TV

Netflix and projectfreeTV.org works for me


Hear hear on cutting the cable TV. Go OTA (Off The Air).
by Hexdump
Thu Oct 09, 2014 6:41 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7520

Re: Medicare Part D (Prescriptions), changing plans

I am beginning to not trust that site. I just ran my Part D again and I am coming up with different answers. In addition, for one of the policies the numbers don't seem to add up. Specifically, the United American Essential PDP S5755-126 shows a monthly premium of $29.90 and an annual deductible of ...
by Hexdump
Sun Oct 05, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2462

Re: Medicare Part D (Prescriptions), changing plans

I will be looking shortly. My mail order provider Optum Rx for AARP Medicare Rx has been what I would rate as an unacceptable service provider. On the other hand AARP United Health Medical Supplement has been flawless. Looks like Silverscript will be my choice ..... Midareff, I too was considering ...
by Hexdump
Sun Oct 05, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2462

Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order program.
by Hexdump
Fri Oct 03, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2462

Re: CIS Recipes

No magic here; these are straight from the web, but they're amazing: Mac N Cheese: http://www.macheesmo.com/2010/07/cast-iron-mac-and-cheese/ Chicken pot pie: in reference: http://www.metropulse.com/columns/wireless-kitchen/wireless_kitchen-2007-09 The recipe is listed in "Chicken Pot Pie for ...
by Hexdump
Thu Oct 02, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Cast Iron Skillet Cooking
Replies: 108
Views: 11170

Re: [Medicare] Part D Sticker Shock

Based upon this thread (thanks to all who contributed), and my packet of "sticker shock" that I just received in the mail, I started looking around for a new plan. I found this site https://medicare.oneexchange.com/ to be very helpful though it has some problems. What was curious was that ...
by Hexdump
Sun Sep 21, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2395

Re: Buffett: Modern investment theory is horse-pucky

This much is clear. "Modern portfolio theory" as used today in practice creates what is billed as an "optimum" portfolio on the basis of opinions, not just on data , and thus is a case of garbage in, artistically decorated garbage out. Nisi, I always enjoy your writings and migh...
by Hexdump
Mon Sep 15, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10467

Re: AT&T mvno Airvoice or cricket wireless

My wife just switched her ATT, Samsung Galaxy Note 1 to Cricket, about 2 months ago and it has been error free. The same plan, $35.00/month. I had to take it into the Cricket store and they made the changes, swapped out the SIM, or whatever. They had to do something in the setup that I was not payin...
by Hexdump
Mon Sep 15, 2014 7:45 am
 
Forum: Personal Consumer Issues
Topic: AT&T mvno Airvoice or cricket wireless
Replies: 13
Views: 1150

Re: Vanguard Recommending Quicken Changes

Further to this issue, are there any other sites like Mint or Yodlee that might be able to supply the transactions ? I seem to remember seeing them being able to show latest activity so I wonder if they would be able to download activity. I am going to go poke around but wondered if anyone knew. tha...
by Hexdump
Mon Sep 15, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 6430

Re: I need a personal scheduler

TravelerMSY wrote:Hand your phone to the receptionist and ask her to make the entry.


:D :D :D :D :D :D
by Hexdump
Sat Sep 13, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 2001

Re: Vanguard Recommending Quicken Changes

and then I just got this message when trying a manual download.

Online access is not available for this option at this time. We apologize for the inconvenience. Please try again later, or for assistance, contact us.

grrrrr
by Hexdump
Sat Sep 13, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 6430
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