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iPhone Text Question

Based on a great response to another tech problem, I'll ask this one. Back in the olden days, when someone texted me (on iPhone), the most recent person to text had their message at the top. Now when I get a text, I often have to scroll down thru a number of recent prior text messages to find the ne...
by Leesbro63
Fri Aug 22, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: iPhone Text Question
Replies: 2
Views: 232

Re: Big iPhone Data Bills/Google Maps

Do you use Facebook? They recently made a change where videos automatically play, even on cellular, which uses tons of data. Here's an article: http://www.theguardian.com/technology/2013/dec/24/beware-facebooks-new-video-in-news-feed-could-be-a-mobile-data-headache You are da man! Thank you so much...
by Leesbro63
Fri Aug 22, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Big iPhone Data Bills/Google Maps
Replies: 13
Views: 800

Big iPhone Data Bills/Google Maps

A question for my TECHIE friends: I've been using GOOGLE MAPS as my GPS of choice for about a year. All of the sudden, I am getting huge DATA bills from AT&T for my iPhone. I THINK it's related to the Google Maps. Why did I NOT have data problems before with Google Maps but do now? Any ideas or ...
by Leesbro63
Fri Aug 22, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Big iPhone Data Bills/Google Maps
Replies: 13
Views: 800

Re: Windows 7 PC?

I find no compelling reason to even consider Win 8. Even Microsoft knows this is a dog. It's been dubbed the new Vista. Windows 9 should be the one to consider. Since Win7 has many years of support left, I am in NO hurry to have my clients (or me) migrate off Win7. http://news.yahoo.com/might-perfe...
by Leesbro63
Tue Aug 19, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2358

Re: Inflation-indexed SPIAs: A Good Deal?

Robert Rubin overrode the Treasury and some other doubters to introduce TIPS, a very expensive form of US government funding at the time (4% real yields!). But inflation has been below expectations, since, so not so expensive. And in doing so Rubin created a public good-- something created for publ...
by Leesbro63
Tue Aug 19, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Inflation-indexed SPIAs: A Good Deal?
Replies: 15
Views: 1684

Re: Do Super wealthy have access to different investing vehi

I do think that the fatcats at the top of most corporations have bit income opportunities not available to those of us with more regular jobs or professions. That being said, I'm not convinced that any of the "investments" available to the superrich are better than what's available to anyo...
by Leesbro63
Tue Aug 19, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6184

Re: Shiller on Lofty Market Elevations

OTOH an investor who has already mainly achieved their goals but might still hold a fairly high equity allocation due to reluctance to miss out on an equity decade like the 1990's might reasonably infer from today's valuations that such a prolonged stock market bull run is much less likely now, and...
by Leesbro63
Tue Aug 19, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4797

4% CD Cheaper Than Steak Dinner Pitch

This is a new one. A 4% CD (on $10,000, for only 6 months) instead of a free meal to entice possible investment advisor customers.

http://www.cnbc.com/id/101921060
by Leesbro63
Mon Aug 18, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 4% CD Cheaper Than Steak Dinner Pitch
Replies: 2
Views: 1170

Re: Looking to buy a quality scanner

Personal update (I am NOT the original poster here, but did comment earlier): My Fujitsu Scansnap ix500 arrived today. THIS IS A BIG WINNER! I can't believe I was scanning from my HP 4 in 1 printer like Fred Flintstone did back in the caveman era! This this is amazing. Scans both sides in just a few...
by Leesbro63
Mon Aug 18, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 50
Views: 3185

Re: Inflation-indexed SPIAs: A Good Deal?

There are three separate variables: mortality table, interest rates, and inflation rates. Not enough data points are available to determine all of them. A few years ago AIG gave online quotes, without the 10-second delay now imposed by Hueler. It made it much easier to probe their calculations. I f...
by Leesbro63
Mon Aug 18, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Inflation-indexed SPIAs: A Good Deal?
Replies: 15
Views: 1684

Re: Retirement luxury vehicle

airahcaz wrote: ES are only 2WD(FWD).


Oops! Good catch. My bad. I was confusing it with intertwined discussion of my old RX330 and now RX350 vehicles. Thanks for the good catch, Airahcaz.
by Leesbro63
Sun Aug 17, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Shiller on Lofty Market Elevations

One scenario is that stocks won't crash, but rather will plod along as inflation heats up at some point in the future. I am not saying that volatility is dead. Just wondering out loud if all this printing and borrowing won't ultimately end up being managed by inflating. Maybe similar to the 1966-81 ...
by Leesbro63
Sun Aug 17, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4797

Re: Shiller on Lofty Market Elevations

It may also derive from a more widespread "investing culture," as individuals worldwide become more involved and informed in their own financial affairs and futures. I also concluded that it might have something to do with this. And that information now flows essentially free and the cost...
by Leesbro63
Sun Aug 17, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4797

Re: Retirement luxury vehicle

Red CPO Lexus ES350 :D http://atcm.co/S2PVDP/166E6A92 Beauty, eh! :P Folks, isn't this 3 years old and close to 40% less than new? Not necessarily. The 2015s are out, so it's 4 years old even if it's 3 years old. It's 2WD, so new it could have been in the high 30s. It has 40some thousand miles. And...
by Leesbro63
Sun Aug 17, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Retirement luxury vehicle

That makes sense. When purchasing a used vehicle one needs to take into account upcoming maintenance and consummables, just the same way one does for a new vehicle. I bought a used RX-300 more than 12 years ago and still own it. It had no maintenance issues in the first 4 years of owning it, so my ...
by Leesbro63
Sun Aug 17, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Retirement luxury vehicle

I recently bought a CPO 2011 Lexus RX350. I shopped for a Mercedes Benz ML350 (3 live on my block), Lexus RX (2 live on my block), and Acura MDX (none on my block). I also looked around at a few others. The MB SUVs were always more expensive for what you got (value not as good as) and the sales rep...
by Leesbro63
Sun Aug 17, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Shiller on Lofty Market Elevations

couple of things First, dividend payments way down as fewer and fewer companies paying them. At least in theory when have lower dividend payments earnings growth should be higher and thus P/E higher, all else equal. Someone estimated this difference at being worth 1 in the Shiller PE Second, change...
by Leesbro63
Sun Aug 17, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4797

Re: Do Super wealthy have access to different investing vehi

Somewhere I read that much of Buffett's secret sauce was in indirect leverage from insurance monies, and his confidence that the market will always eventually return to a new high. Anyone could, more or less, do that...just buy on margin or buy one of those ETFs that moves at a speed of 2 or 3 times...
by Leesbro63
Sun Aug 17, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6184

Re: Retirement luxury vehicle

While I previously made the case for a brand new ES350, I also agree with the above post. If you're gonna go used, 4-6 years is financially a good way to go while 2-3 years old is not. The thing, however, is that at 4-6 years, especially in the snowbelt, it's really a USED car and no longer a nearl...
by Leesbro63
Sun Aug 17, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Shiller on Lofty Market Elevations

I thought this article would make for actionable discussion here. I give Shiller credit for being willing to examine his own data from the perspective that maybe he missed something. Here is a quote that is the crux of the article on Shiller's PE10 equation: "In other words, the ratio is saying...
by Leesbro63
Sun Aug 17, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 55
Views: 4797

Re: Retirement luxury vehicle

While I previously made the case for a brand new ES350, I also agree with the above post. If you're gonna go used, 4-6 years is financially a good way to go while 2-3 years old is not. The thing, however, is that at 4-6 years, especially in the snowbelt, it's really a USED car and no longer a nearly...
by Leesbro63
Sun Aug 17, 2014 3:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Mechanics of Backdoor Roth IRA

I am reviving this thread and am the original poster. OK, so today my daughter put $5500 into a Fidelity IRA (traditional IRA). She also has a Roth IRA at Fidelity from prior years, but did not contribute to it for 2014. Can she now just roll over the $5500 (in cash) Fidelity Traditional IRA into he...
by Leesbro63
Fri Aug 15, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mechanics of Backdoor Roth IRA
Replies: 8
Views: 734

Re: Retirement luxury vehicle

Avoid German cars like the plague, unless you need retirements activities like frequent visits to the dealership. And you should be willing to spend big bucks for a comprehensive extended warranty. That being said, my advice would be, if you can swing it, to buy a NEW ES350. My experience has been t...
by Leesbro63
Fri Aug 15, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement luxury vehicle
Replies: 62
Views: 4430

Re: Windows 7 PC?

I just went through this. I ended up with a WIN8 desktop computer. No touchscreen. It can be (and mine is) set up almost exactly like WIN7. I really don't notice the difference.
by Leesbro63
Fri Aug 15, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2358

Re: Dashlane Question

But how to I initially set it up for two (or more) log ins?
by Leesbro63
Tue Aug 12, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Dashlane Question
Replies: 3
Views: 394

Dashlane Question

Anyone else using DASHLANE? If so, I have a question. I have a Citi credit card. So does my college age son. Is there a way to use DASHLANE to log into either account? With, say, a prompt asking which account I want to log into? Different usernames and passwords for each account.
by Leesbro63
Tue Aug 12, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Dashlane Question
Replies: 3
Views: 394

Otar's "Gray Zone"

Another post referenced Jim Otar's "Gray Zone. Perhaps someone could enlighten me on this or point me to some links. Sounds interesting.
by Leesbro63
Tue Aug 12, 2014 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Otar's "Gray Zone"
Replies: 3
Views: 501

Re: Liability Matching Portfoloio

I've been trying to figure out how this works if the market drops and you want to balance. Let's say you have $10M, invested 50/50. You are planning for a 50 year retirement, and the $5M is your LMP. So far, so good. Now what do you do when the market drops 20%, 30%, 50%? Do you rebalance? Or sit t...
by Leesbro63
Tue Aug 12, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Liability Matching Portfoloio
Replies: 36
Views: 3122

Re: Liability Matching Portfoloio

Don't forget that for taxable portfolios, particularly larger ones, TIPS as liability matchers could fail. Due to taxflation if the very inflation that TIPS hedges gets bad.
by Leesbro63
Mon Aug 11, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Liability Matching Portfoloio
Replies: 36
Views: 3122

Re: $65k bonus for student loans...considering not taking it

I'm not sure how this plays into it, but I think, under current law, that any student loan debt forgiven is considered taxable income.
by Leesbro63
Mon Aug 11, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3294

Re: Convince me I can make a dumb (car-related) purchase

I have owned a loaded A4 and then an S4. My honest advice is to be sure that your dealer is on your way to work with loaner cars and early drop off times and late pick up times. The A4 visited the dealer about once a month. The S4 spent exactly 50% of its life at the dealer. I eventually replaced t...
by Leesbro63
Mon Aug 11, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4176

More on Computer Security

From a different angle...I mean this question with no sarcasm or cynicism...but I am wondering: Has anyone here ever had money/securities taken from a bank account, mutual fund account or brokerage account? Fraudulent credit card charges yeah.,,,many of us have that from time to time. But does anyon...
by Leesbro63
Sun Aug 10, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1614

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This has been discussed before but again I want to be sure: OK, so someone cracks my Vanguard (or Fidelity etc) password. Then what? Yeah, they could "sell" a highly appreciated security, incurring big capital gains taxes and create other havoc. But the real risk is that the money gets wir...
by Leesbro63
Sun Aug 10, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7369

Re: Foreign Bond as Gift

You are obviously talking about a State of Israel bond. Billions of dollars of these are sold in the United States each year. They are a unique fixed income security specifically designed for the American market. Accordingly they are sold in dollars and interest is paid in dollars. They are kind of ...
by Leesbro63
Sat Aug 09, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Bond as Gift
Replies: 3
Views: 252

Re: Daily Telegraph: World War One Archive

This might be of interest (below). It's about the Pittsburgh Jewish Newspapers, scanned on line back to 1895. The first few pages of the weekly paper often comment on world events, from a Jewish perspective. I looked up, for instance, the paper from about this time in 1914 and it lamented the war be...
by Leesbro63
Mon Aug 04, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 89
Views: 5782

Re: Memory foam mattresses - any insight?

I recently bought an adjustable bed, regular (not foam) from The Original Mattress Factory. About $1600 delivered, queen size. I added a $400 ($320 at Bed Bath and Beyond with a 20% off coupon) Tempurpedic "topper" that's fantastic. My impression was that a topper would be just a gimmick, ...
by Leesbro63
Mon Aug 04, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5134

Re: How many families use 529 plans?

My son is starting in a few weeks; they not only don't accept CCs, but you can't use your bank's bill pay -- they prefer that you authorize direct payment from your bank but will accept paper checks, money orders, or wire transfers. This has been my experience at 3 major private universities over t...
by Leesbro63
Sun Aug 03, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6514

Re: How many families use 529 plans?

Just got the first half bill for freshman year: Tuition, fees, room & board are about $10,000. I'm putting it on the credit card and getting 2% cash-back. I also have to figure out how much to withdraw from the 529 plan, so that I don't interfere with education tax credits. This is for an in-st...
by Leesbro63
Sun Aug 03, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6514

Re: Kroger for Gasoline

So throw a few gallons to a friend.
by Leesbro63
Fri Aug 01, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 2158

Re: Est. medical costs early retirement.

OP, Are you planning on buying insurance? The whole point of any insurance is to make you whole in a catastrophe, not pay for the nickel and dime stuff. Having insurance will even out your costs out over the years, more or less. Even billionaires get health insurance because health professionals ca...
by Leesbro63
Fri Aug 01, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Est. medical costs early retirement.
Replies: 19
Views: 1656

Re: Sam's Club Mastercard Deal

prudent wrote:The credit pulls database at creditboards.com indicates they pull Transunion.


This is helpful. Thank you.
by Leesbro63
Fri Aug 01, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Sam's Club Mastercard Deal
Replies: 7
Views: 728

Re: Sam's Club Mastercard Deal

I think you have to "upgrade" your membership to get the rebates (which in addition to 5% on gas, 3% on certain items and 1% on everything else except Sam's competitors) I'm going there today so I'll ask the question if the lines are short. Hopefully I'm wrong. I would still do this (upgr...
by Leesbro63
Fri Aug 01, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Sam's Club Mastercard Deal
Replies: 7
Views: 728

Re: Est. medical costs early retirement.

$30,000 a year for two seems extremely high. Unless I'm mistaken I think the OP meant $30k a year for their entire yearly living expenses, not just health insurance. I think you ARE mistaken. He mentioned $30K for "all out of pocket costs". That term generally applies to health care. I do...
by Leesbro63
Fri Aug 01, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Est. medical costs early retirement.
Replies: 19
Views: 1656

Sam's Club Mastercard Deal

OK, so I see that Sam's Club (I am a "regular" member) is offering a no-annual-fee Mastercard with 5% off gasoline. Anyone have this and how is it working for you? Also, my credit is frozen...it would be useful if someone knew which of the 3 credit reporting agencies they use so I can just...
by Leesbro63
Fri Aug 01, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Sam's Club Mastercard Deal
Replies: 7
Views: 728

Re: Kroger for Gasoline

My regional supermarket (which also operates their own gas stations usually not located right at the market) gives me 10 cents for every $50 I spend on groceries. My local bank debit card gives me 3 cents more when I use it. I rarely pay even half the normal price for gas. I've gotten full tanks fo...
by Leesbro63
Fri Aug 01, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 2158

Re: CFA June 2014 results

My daughter passed Level 2 yesterday. We all sweated the wait.
by Leesbro63
Thu Jul 31, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: CFA June 2014 results
Replies: 28
Views: 2876

Re: Which is King: Income Stream or $ Invested

My/wife's parents/grandparents had great retirements until the end of their respective lives without saving a dime, since they had good pensions along with SS. They also got to spend what they made (minus taxes), when they earned it while they were still working. - Ron This is basically saying what...
by Leesbro63
Thu Jul 31, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Which is King: Income Stream or $ Invested
Replies: 52
Views: 4577

Re: How many families use 529 plans?

Just a note: if your kids are close to going to college and you have a 529 plan, you might want to consider paying the first $4,000 outside the 529 plan in order to qualify for the American Opportunity Credit (if you qualify). If your kids are young, then don't worry about this as I am sure there i...
by Leesbro63
Thu Jul 31, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6514
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