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Skype on a Mac

How to I download Skype and get it to work on a Mac?

Please explain this as if you were talking to a small child as that's my level of computer understanding.

Thanks,
Karl
by Karl
Thu Apr 10, 2014 3:11 am
 
Forum: Personal Consumer Issues
Topic: Skype on a Mac
Replies: 8
Views: 444

Re: Health Insurance Marketplace

bluemarlin08 wrote:If you are concerned about estimating income, forgo the credit until he files taxes next year.


That's what I did. Based on 2012 income I would have gotten a $50 per month credit, but I have no idea what income will actually be in 2014. It's not like I have a crystal ball.
by Karl
Fri Mar 21, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Marketplace
Replies: 11
Views: 897

Re: Automobile Medical Payments

Also, I am assuming you mean first party medical coverage and not third party bodily injury coverage. Actually, I don't know what I mean. I just says "Automobile Medical Payments" in the documentation. I had no idea that there were different types, though I guess I shouldn't be surprised ...
by Karl
Fri Mar 21, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Automobile Medical Payments
Replies: 21
Views: 1151

Re: Automobile Medical Payments

cheese_breath wrote:Before you do anything verify that your health insurance covers injuries due to automobile accidents.


It's an Obamacare policy. Is there actually such a thing as a health insurance policy that doesn't cover injury from car crashes?
by Karl
Fri Mar 21, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Automobile Medical Payments
Replies: 21
Views: 1151

Automobile Medical Payments

I currently have coverage of $100,000, the highest that Allstate offers. I originally took this highest level because I didn't have health insurance. I got health insurance as of January 1 which makes this seem unnecessary. Should I drop medical payments entirely or just cut it down to a much lower ...
by Karl
Fri Mar 21, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Automobile Medical Payments
Replies: 21
Views: 1151

Re: Dumb Mac Question [Adobe reader problem]

Before installing, do a reboot. The fact that you have been having problems and dragging Reader to the trash didn't seem to work means something is not quite right. A reboot often helps. I'm not sure how to do a reboot, but somehow things are working after installing the 10.1.4 version. Previously,...
by Karl
Sun Jan 12, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question [Adobe reader problem]

11 is newer, but might be what you have and is causing problems, but 10 might be the one the websites you went to said was old. Try one; if it works, great. Before installing, drag your adobe reader.app from the applications folder to the trash. You also want to go to ~/Library/Preferences and drag...
by Karl
Sun Jan 12, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question [Adobe reader problem]

Did you download the right version for 10.7.5? Go here and get the installer for 10.7.5 again. http://get.adobe.com/reader/otherversions/ Once you have it, stop and report back. Do not click on the installer yet (it should be a .dmg). OK, I might have installed the wrong version before as I never n...
by Karl
Sun Jan 12, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question [Adobe reader problem]

sscritic wrote:Is reader in your applications folder (it should also be in Launchpad)?


Adobe Reader is in my applications folder, though I can't click on it. It's not in Launchpad though.

sscritic wrote:Back up even further - what version of OS X are you running (10.7, 10.8, 10.9)?


10.7.5
by Karl
Sun Jan 12, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question [Adobe reader problem]

In a browser or stand alone? I am assuming you have reader installed. Have you ever used it? If the situation is installed but never used, then open it as an application. You may need to accept the EULA at that point. I had Adobe Reader installed before, but some PDFs on an new website would not di...
by Karl
Sun Jan 12, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question [Adobe reader problem]

livesoft wrote:So did you reinstall yet?


I already tried that a couple times before you suggested it and was told it was already installed. Now when I try it doesn't seem to do anything. :confused
by Karl
Sun Jan 12, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question

You can't have a browser open if you want to complete the installation. Usually you will get a message telling you to close the browser in the middle of the installation (or perhaps the installation asks if you want it to close the open browsers for you). Didn't get any message to close the browser.
by Karl
Sun Jan 12, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Dumb Mac Question

sscritic wrote:What are you doing when you get this message?


Trying unsuccessfully to open a PDF.
by Karl
Sun Jan 12, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Dumb Mac Question [Adobe reader problem]

I'm having trouble with Adobe Reader. I get a message that says: "…you must launch Adobe Reader and accept the end user license agreement, then quit and relaunch the browser." Only problem is I have no clue how I'm supposed to launch Adobe Reader nor accept the EULA. Imagine you're trying ...
by Karl
Sun Jan 12, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 902

Re: Odd yield on ST Corporate Bond Index

livesoft wrote:This recent thread on the same subject may interest you: viewtopic.php?f=1&t=128199


Thanks.
by Karl
Sun Dec 22, 2013 4:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Odd yield on ST Corporate Bond Index
Replies: 2
Views: 269

Re: Why bonds within your asset allocation?

It is funny how this question is being asked several times a week on this board in strong bull markets, and not once in bear markets. I guess the answer becomes obvious in bear markets :) You mean the answer becomes obvious when quality short term bonds don't fall 50% in a bear market? When dealing...
by Karl
Sun Dec 22, 2013 3:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Why bonds within your asset allocation?
Replies: 27
Views: 2801

Odd yield on ST Corporate Bond Index

-Short-Term Corporate Bond Index Admiral: yield = 1.37%

-Short-Term Investment-Grade Admiral: yield = 1.61% (how does this yield more than the Corporate index which has lower quality holdings? :confused)
by Karl
Sun Dec 22, 2013 3:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Odd yield on ST Corporate Bond Index
Replies: 2
Views: 269

Re: Lower quality yet lower yield?

Short-Term Bond Index Admiral: yield= 1.37% Short-Term Investment-Grade Admiral: yield= 1.61% (higher despite higher quality holdings :confused) How is a fund that is 69.6% US Treasuries rated AAA considered to be lower quality? In general, higher quality holdings equals lower yield, demand for saf...
by Karl
Sun Dec 22, 2013 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Lower quality yet lower yield?
Replies: 2
Views: 191

Lower quality yet lower yield?

Short-Term Corporate Bond Index Admiral: yield= 1.37%

Short-Term Investment-Grade Admiral: yield= 1.61% (higher despite higher quality holdings :confused)
by Karl
Sat Dec 21, 2013 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lower quality yet lower yield?
Replies: 2
Views: 191

Re: Basis of a gift

^Thank you. My brother didn't believe me when I told him you can't gift away capital losses. Hopefully he'll trust you. Not me, the IRS, publication 550. I still wish to thank you for finding the exact passage so I didn't have to dig through 550 to prove it to my disbelieving brother. I know I've s...
by Karl
Sun Dec 15, 2013 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Basis of a gift
Replies: 6
Views: 391

Re: Vanguard Total International...2 stars now?

I never even bother to look at star ratings as they have no predictive value whatsoever. Simply ignore them. You have a great fund from a great company with ultra-low expense and it's doing exactly what it's supposed to do.

I own the same fund. My brother (who's exceedingly picky) owns it too.
by Karl
Sun Dec 15, 2013 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International...2 stars now?
Replies: 26
Views: 4780

Re: My first decade as a Boglehead, a retrospective

Seems I was a Boglehead before I came to know this forum existed in I think 1999. I started invested with Vanguard in January 1995 while I was a college senior -- a finance major. I went with Vanguard because I was so impressed by their low costs. At the time I thought buying the entire US market fo...
by Karl
Sat Dec 14, 2013 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first decade as a Boglehead, a retrospective
Replies: 24
Views: 4534

Re: VGPMX: anyone contrarian enough to buy it?

I put $5,000 into VGPMX a couple days ago, which is a better predictor of where it's going to go then any crystal ball. When I buy something it tends to go down, so all who own it have been officially warned that Karl has just bought some so watch out below. :D
by Karl
Sat Dec 14, 2013 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 34
Views: 4319

Re: Basis of a gift

^Thank you. My brother didn't believe me when I told him you can't gift away capital losses. Hopefully he'll trust you. He had this dream that he'd be able to be able to offset cap gains + $3,000 of ordinary income for the rest of his life by doing this, as this is the land that won't sell. It appea...
by Karl
Sat Dec 14, 2013 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Basis of a gift
Replies: 6
Views: 391

Basis of a gift

Our mother inherited 120 acres from our late father. She got a stepped up basis of $147,000. If she gifted this land to my brother and he sold it at a huge loss what would be his basis? This is a follow up to my question from some weeks back regarding land that won't sell: http://www.bogleheads.org/...
by Karl
Sat Dec 14, 2013 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Basis of a gift
Replies: 6
Views: 391

Re: Vanguard High Yield Bond Fund is Now Open

And in today's world high yield is 4.48% (for Admiral Shares).
by Karl
Thu Dec 12, 2013 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard High Yield Bond Fund is Now Open
Replies: 22
Views: 3198

Re: Foreign Stocks For The Long Run

Before reading Rick's article I'm guessing Japan is the problem for most of the last 40 years. Japan peaked in 1989 and has been going down or sideways for the last quarter century. Now I must go read Rick's wisdom.
by Karl
Mon Dec 09, 2013 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks For The Long Run
Replies: 63
Views: 4946

Re: Vanguard 2013 Year-End Distributions

dh wrote:
Calm Man wrote:I am annoyed at TSM. It is now 5% nonQDI. Why?


That is a surprise to me too. Is the difference that Total Stock Market holds small cap REIT's?


But Total Stock Market has always held REITs so why should this year be any different? :confused
by Karl
Mon Dec 09, 2013 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard 2013 Year-End Distributions
Replies: 36
Views: 4419

VGPMX: anyone contrarian enough to buy it?

Just curious if anyone else is intrigued by this dog? I bought a really tiny bit of it way back in 2000 when it was way down just like it is now.
by Karl
Mon Dec 02, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 34
Views: 4319

Re: A screwy Mac

mbres60 wrote:I bought mine in March of 2012 and have Mac OS X Lion 10.7.5. You might have the same.


Mine doesn't say "Lion," but is otherwise the same.
by Karl
Sun Dec 01, 2013 6:40 pm
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: we need more data

What version of Mac OS? What version of Safari? What model Mac? I don't know to the first two questions. It's an iMac bought new in June 2012, so whatever OS and version of Safari that Apple was putting on iMacs at that time. I'm sure there's a real easy way to find that information, though I don't...
by Karl
Sun Dec 01, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: A screwy Mac

YeOldeWolf wrote:Also, make sure all of your software is up to date.


How do I do that? :confused

I periodically get updates and I always install them.
by Karl
Sun Dec 01, 2013 5:56 pm
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: A screwy Mac

Is it always the same page it crashes on? I'm not sure. There's one site where I spend most of my online time, so by mere chance odds are high it's going quit unexpectedly while on that site. The only time it's really annoying is while I'm typing a long private message or lengthy post where all my ...
by Karl
Sun Dec 01, 2013 5:53 pm
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

A screwy Mac

For the last couple weeks Safari has be quitting unexpectedly. I reset Safari, having read that might fix the issue.

I'm know basically nothing about computers. Small kids know more than I do, so any help would be greatly appreciated.
by Karl
Sun Dec 01, 2013 2:14 am
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: Land that won't sell: what would you do?

Here's a crazy idea if you really want it gone quickly and don't want a high amount. Find a new realtor - one who seems (or has a reputation for being) aggressive and "hungry." Offer them a 25%-50% commission if they can get it under contract and closed for more than $35,000 (or similar) ...
by Karl
Tue Nov 19, 2013 1:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: "Year-end tax considerations for investors"

Last evening I took my RMDs from inherited IRAs so I'm all ready for year end.
by Karl
Mon Nov 18, 2013 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Year-end tax considerations for investors"
Replies: 2
Views: 501

Re: Land that won't sell: what would you do?

1) Do you have an especially high value on your time? i.e. If you're a lawyer billing $250/hour and with all the work you can handle, then perhaps you just want to sell this land quick and cheap (or donate it or whatever) and be done with it. Both my brother and I are unemployed due to disability. ...
by Karl
Mon Nov 18, 2013 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

What does lowlands road frontage mean? How is the property accessed now? It means you can't drive a vehicle onto the property from the half mile of road that is along one side of the parcel. This inability access the property is a major factor that detracts from value. Ironically, my late father wa...
by Karl
Mon Nov 18, 2013 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

deanbrew wrote:So, by 'lowlands', you actually mean 'swamp'?


I'd have to ask my brother. I don't know for sure. I was under the impression that you'd need hip waders to get around. I think that's what one of the previous Realtors had said.
by Karl
Mon Nov 18, 2013 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

1. Go see the land. How can you even begin to place a value on it if you have never seen it? I don't think I'm at all qualified to place a value on this land even if I did see it. To me it would just be some land. I know little about real estate in general and absolutely nothing about the market fo...
by Karl
Mon Nov 18, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Before taking any more drastic actions, I thought it best we go with the most conservative approach of simply lowering the price. Presumably there's some price at which it will sell. I know there was a price at which a fool bought it in 1976. On behalf of my mother I sent the following e-mail to her...
by Karl
Mon Nov 18, 2013 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Is it against Realtor etiquette to contact clients and ask if they'd consider lowering the price of a property that's not selling? I was wondering about that since this is now Realtor #4 and none of them ever suggested lower the price even though none of them were able to bring in a single offer, ma...
by Karl
Sun Nov 17, 2013 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

tax question. If she gifts it to you over 3 years at $14k per year, staying within the $14k annual gift tax exclusion limit, do you get to keep the higher basis and then sell it in your tax bracket to realize the loss? Or donate it so you get a deduction? There would be no reason to not gift it all...
by Karl
Sun Nov 17, 2013 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Another option: Where I live, land owners are letting their land grow up with trees. There is a government program that pays them to do this. I don't know what the name of the program is, but you might check into it. My brother did that with farmland he used to own. Much of it is lowlands, so I don...
by Karl
Sun Nov 17, 2013 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Need to contact Robert P. Meetz. He owns 1500-2000 adjacent acres in multiple parcels according to the parcel map in the listing. My guess is he'll likely buy it -- you just have to find the right (low) price. When you have a Realtor are you even allowed to make private deals like that? (Assuming y...
by Karl
Sun Nov 17, 2013 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Could she gift it to you or your brother (value exceeds $14,000 so a gift tax return is required but no tax due just eats at her lifetime gift exemption). Then one of you could donate it and get the tax write-off? Now that's an interesting idea that I will forward to my brother. My brother's income...
by Karl
Sun Nov 17, 2013 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Has anyone suggested an auction? It doesn't have to be a live auction and a reserve price could be set. I've seen online auctions for real estate, though admittedly they were for much more marketable foreclosed residential properties. Nobody has ever suggested an auction and I never considered such...
by Karl
Sun Nov 17, 2013 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

It's only worth what someone is willing to pay for it. I know. I had a finance professor who used to say that. I'd put a sign along the road and on Craigslist for locations within 3 hour drive that says "120 acre private hunting reserve, $20K cash obo" and see what happens. I assume the R...
by Karl
Sun Nov 17, 2013 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

Here's the listing. Doesn't it sound great? Any of you guys want some hunting land in northern Wisconsin? Deer season is coming and you could bag Bambi.

[Link removed by admin LadyGeek]
by Karl
Sun Nov 17, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973

Re: Land that won't sell: what would you do?

How much is the annual property tax? Does she carry insurance on it? The property taxes are around $900 per year. Keeping property taxes down is why I e-mailed the assessor to get the valuation reduced from $71,500 to $54,000. She has an umbrella liability policy which should extend to this propert...
by Karl
Sun Nov 17, 2013 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5973
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