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Re: Heading to Sonoma next week, recommendations please

If you want to enjoy the scenery: Take Westside Road out of Healdsburg down to River Rd. Take River Rd. west, stopping at Korbel for a free tasting and tour, and to maybe pick up sandwiches for the road. Head west on River Rd. to Guerneville. If Muir Woods wasn't enough redwoods for you, stop by Arm...
by RebusCannébus
Sun Jun 01, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Heading to Sonoma next week, recommendations please
Replies: 15
Views: 607

Re: How to fight work place bullying

It may be helpful for your wife to keep a private diary of all the offenses, indignities, and abuses she suffers. Some possible benefits: 1. Seeing in writing how shabbily (or not) she's being treated will make for a wiser decision re leaving, and for greater serenity retrospectively (i.e., in case ...
by RebusCannébus
Fri Dec 20, 2013 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4931

Re: "FREE" H&R Block Tax Software. Catch?

mlipps wrote:I think the other gotcha is the fee for state filing, which I'm sure many people pay to save retyping the numbers.

Mine (see OP) has free state e-filing. That's what made me sit up and take notice, since state e-filing is where TurboTax has historically jacked customers.
by RebusCannébus
Tue Dec 17, 2013 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: "FREE" H&R Block Tax Software. Catch?
Replies: 19
Views: 3547

Re: "FREE" H&R Block Tax Software. Catch?

Installing... I believe free if you are under 52, earn under 57K and live in certain states. Not sure though. No age/income restrictions that I can detect thus far. Only gotcha, of sorts, is an attempted up-sell to premium (for 20 bucks, after you've blown off their first attempt to snag you at 25) ...
by RebusCannébus
Sun Dec 15, 2013 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: "FREE" H&R Block Tax Software. Catch?
Replies: 19
Views: 3547

"FREE" H&R Block Tax Software. Catch?

Scratching my head over a DVD I just got in the mail. The jacket blares the following, pretty much verbatim: GET EVERYTHING PAY NOTHING FREE Deluxe and State (44.95 value) FREE State E-File (19.95 value) FREE Audit Support (35.00 value) FULL 2013 Tax Software A 99.99 Value FREE Same Software as sold...
by RebusCannébus
Sun Dec 15, 2013 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: "FREE" H&R Block Tax Software. Catch?
Replies: 19
Views: 3547

Re: Please recommend a tablet to replace laptop

If you have need for a tablet, I would buy one in addition to a laptop....decent tablets can be found for not much more than $100 these days (I recently got a Nook HD+ at fire sale prices). No tablet that I know has anywhere near the functionality of a laptop. +1 on this. I wanted to be really Bogl...
by RebusCannébus
Sun Nov 24, 2013 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Please recommend a tablet to replace laptop
Replies: 26
Views: 2418

Re: Recommend a cheap, small tablet?

I will be using it mostly for browsing internet and watching sports. Will try to buy something used. Haven't considered buying a phone and using it for internet/sports. Maybe I will look into that, too. Nook HD+, currently selling new for $149; refurb'd on eBay ( with the manufacturer's one-year wa...
by RebusCannébus
Mon Sep 30, 2013 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a cheap, small tablet?
Replies: 40
Views: 4102

Re: Facebook Phishing Attempt

That and Facebook privacy.
by RebusCannébus
Sun May 12, 2013 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Facebook Phishing Attempt
Replies: 9
Views: 589

Re: tax friendly states for retirees

California has big real estate tax, big sales taxes, big income taxes, taxes cap gains at the same rate as earned income, except no tax at all on social security income. One saving grace. Boglehead lesson for Californians, delay your SS to until 70 and live on/deplete anything else you can until th...
by RebusCannébus
Sun May 12, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 96
Views: 7447

Re: Food Costs

Have you checked out the Cash and Carry in Portland ? Some items at mine in Santa Rosa, CA: 50 lbs russets $12 (they also have 10's and 20's for not-too-much more/lb.) 40 lbs yams $28 10 lbs frozen blackberries $28 (also have frozen raspberries, peaches, blueberries, and mango) 4 lbs fresh strawberr...
by RebusCannébus
Fri May 10, 2013 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Food Costs
Replies: 153
Views: 10670

Re: Your best financial move

LadyGeek wrote:Finding this forum and acting on the advice.


+1
by RebusCannébus
Sun Apr 28, 2013 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 7907

Re: Unsecured wifi

Invest in personal VPN software for a secure connection over an unsecured network.
by RebusCannébus
Sun Apr 28, 2013 11:53 pm
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 66
Views: 6261

Re: Your Dumbest Financial Move

steelerfan wrote:For me, the dumbest financial move was waiting so long to start.

+1. That and buying a house at the tip-top of the California housing bubble in 1989. You must buy NOW or forever be priced out of the market, I was told. And I listened. Mistake.
by RebusCannébus
Sun Apr 28, 2013 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13211

Re: Septic system woes

Swampy, Unfortunately, water backing in to the tank while it is being pumped is a classic sign of drainfield failure. Drainfields consist of 12 inches of stone, 6 inches of which are unter the 4 inch pipe and 2 inches over. In order for sewage to come back into the tank, the six inches below and mo...
by RebusCannébus
Sun Apr 28, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Septic system woes
Replies: 104
Views: 6353

Re: Jack says pay 1% to own the US stock market?

arcticpineapplecorp. wrote: has a cost of 1% a year to own
I heard that, too, and have to believe he meant 1 tenth of 1 percent. Or maybe even 1 basis point.
by RebusCannébus
Sun Apr 28, 2013 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 34271

Re: Anyone Choosing to Retire in Maryland?

A factor that I have not yet mentioned - we are progressively minded, and living in a red state is not desirable. Hey, you want blue ? Join the rest of us socialists here in beautiful Sonoma County, north of SF. In Santa Rosa, average summer high is 83, with dirt low humidity. Winters are mid-50's/...
by RebusCannébus
Sun Mar 31, 2013 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Choosing to Retire in Maryland?
Replies: 76
Views: 4852

Re: Best way to mulch yard?

I buy shredded redwood bark (aka "gorilla hair") at the local landscape supply. I can get a full yard in my small pickup. If I need 5 or more, I have them deliver. The prices at landscape supply joints are maybe, what, 1/8 of what you'd pay by the bag at HomeLoweWal.
by RebusCannébus
Fri Mar 15, 2013 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Best way to mulch yard?
Replies: 26
Views: 2347

Re: How Will Retirement Affect Our FICO score?

BTW, a pension is not so reliable if the payments stop when the retiree dies. Wrong again. Your employer won't release your pension without a survivor benefit. Actually, not wrong again. I just retired from a large corporation. I'm married and could have taken a single annuity (with no survivor ben...
by RebusCannébus
Wed Feb 06, 2013 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Will Retirement Affect Our FICO score?
Replies: 34
Views: 1906

Re: What's your usual retirement day like ?

Funny you should ask. I don't have a "usual"retirement day, since today is my very first, after 28 years with a large telecomm company. ⋅ Got up. Slowly. ⋅ Made coffee and breakfast ⋅ Richarded around on Facebook, exchanging good-natured insults with Ravens fa...
by RebusCannébus
Sun Feb 03, 2013 12:31 am
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35414

Re: Why would anybody use Turbotax?

Used TT for many years; decided to try Tax Cut. Did so for the past two years. Interface was simply not as smooth as TT's. I don't remember my exact complaints, but I do recall being seriously ticked at more than one point in the process with Tax Cut. So this year, back to TT. I gave Tax Cut a shot....
by RebusCannébus
Thu Jan 31, 2013 1:17 am
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 11269

Re: Happy Birthday Taylor

Dear Taylor,

Although you'd likely deny it, I say you are a great man. A week from today I retire, much sooner than otherwise would have been possible had it not been for your advice over the years. Happy Birthday.

Peter
by RebusCannébus
Fri Jan 25, 2013 9:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 3817

Re: How Bogleheads made me a worse Investor

Hey Chan: Enjoyed the [I'm thinking light-hearted] post. :sharebeer :thumbsup
As for the priggish moralizing about personal responsibility: Bah. :thumbsdown
by RebusCannébus
Wed Jan 23, 2013 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: How Bogleheads made me a worse Investor
Replies: 76
Views: 7628

Re: Celebrate the FSA

Solution to the over-withholding issue: Become mentally unstable and needful of expensive and unreimbursed-by-insurance psychotherapy. Ate up my $10K every year no problem. WIth the new $2500 limit, I may be forced to seek alternatives. Ah, well. As for You have my sympathies, I've tilted against th...
by RebusCannébus
Sat Oct 20, 2012 12:49 am
 
Forum: Investing - Theory, News & General
Topic: Celebrate the FSA
Replies: 67
Views: 10180

Re: IRA RMD from a Variable Annuity

An account owner must take the first RMD for the year in which he or she turns 70 ½. However, the first RMD payment can be delayed until April 1st of the year following the year in which he or she turns 70 ½. He is 71. Either he turned 70 1/2 in 2011 and had to take his first RMD by April 1, 2012 (...
by RebusCannébus
Wed Oct 17, 2012 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA RMD from a Variable Annuity
Replies: 7
Views: 1018

Re: IRA RMD from a Variable Annuity

Thank you, sscritic. This is a huge releief! :sharebeer

Yes, he has his IRA Vanguard (plus a couple of small ones, AFAIK), which contains the funds he transferred out of the annuity, so I can suggest that he take all RMD' s from that one.
by RebusCannébus
Wed Oct 17, 2012 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA RMD from a Variable Annuity
Replies: 7
Views: 1018

IRA RMD from a Variable Annuity

Hello, all. Some years back, a relative was conned by an "investment advisor" into buying an IRA wrapped around a variable annuity. The relative invested something like 500k (most of it in small-cap growth funds. You know, tech start-ups and the like). This was in 2000. A couple of years l...
by RebusCannébus
Tue Oct 16, 2012 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA RMD from a Variable Annuity
Replies: 7
Views: 1018

Re: Bicycle Recommendation

And then there's the whole other world of recumbent bicycles. In terms of cost, not a very Bogleheaded recommendation. But if you're like me--averse to having a small wedge of hard leather assaulting your nether regions--might be worth a look. Also a big plus: When you're sitting/riding in a recumbe...
by RebusCannébus
Fri Jul 20, 2012 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation
Replies: 37
Views: 2757

Re: What Book Are You Currently Reading? Part V

A biography of Che Guevara. Why? Have spent some time in Mexico, where he is revered. But that's there. I'm here, and less than 10 percent into the book, the term sociopath comes to mind. I'll forge on, since I'm learning some about the history of U.S. governmental and corporate shenanigans in Latin...
by RebusCannébus
Thu Jun 14, 2012 12:05 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3097
Views: 990766

Re: Social Security 101

THANK YOU :sharebeer
by RebusCannébus
Fri Jan 27, 2012 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security 101
Replies: 13
Views: 1091

Social Security 101

OK, I can't seem to comprehend the fundamentals of SS benefits. :confused I hope someone can get me started. I am 56 (born 1956); my wife is 41 (born 1970), so my FRA is 66-4 and hers is 67. I make quite a bit more money than she does, so my benefit would be larger. Let's say that, calculated today ...
by RebusCannébus
Fri Jan 27, 2012 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security 101
Replies: 13
Views: 1091

Re: What do you buy at Costco?

+1 for coffee. When you can get coffee still warm from the roaster (without roasting it yourself), you know it's fresh and will produce an excellent cup--for half or even one third the cost of Starbucks/Peet's/other "higher end" coffee emporia. Electronics: I buy electronics from Costco fo...
by RebusCannébus
Sun Jan 01, 2012 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you buy at Costco?
Replies: 55
Views: 6543

Re: Do you eat eggs?

Nope, I eat an oil-free plant-based diet, prescribed not by Bill Clinton, but by MY CARDIOLOGIST, who terms said diet--and I quote--the lynchpin of my therapy (in addition to statins and niacin). LDL is about 50. Don't care, you say? OK, my angina is gone (only after adding the diet to my therapy, b...
by RebusCannébus
Thu Dec 15, 2011 12:56 am
 
Forum: Personal Consumer Issues
Topic: Do you eat eggs?
Replies: 68
Views: 4164

Re: The best PC free software (safe too)

Ubuntu is a flavor of the Linux operating system. What a lot of people (including myself) do is install it alongside WIndows on the same PC. When you boot the machine, you are given a menu that allows you to select one or the other OS. Ubuntu comes with its own "software store" which has t...
by RebusCannébus
Fri Dec 02, 2011 1:08 pm
 
Forum: Personal Consumer Issues
Topic: The best PC free software (safe too)
Replies: 38
Views: 2726

Re: Must managers have face-to-face time with their employee

Of course remote employees is standard practice these days, and works fine. Not sure why your employer would want to monitor his employees as they work. Can't he see if the work's been done or not? +1 . I've been working from home full time for a large telecom for 10 years. The average day has one ...
by RebusCannébus
Sun Nov 27, 2011 12:46 am
 
Forum: Personal Consumer Issues
Topic: Must managers have face-to-face time with their employees?
Replies: 23
Views: 1656

Re: Haircut Tip - How much poll

Don't know about tipping b/c I pay $0 for a self-administered Buddhist monk look. The price is right, PLUS my skull appears larger afterward, so I feel more smarter.
by RebusCannébus
Fri Nov 18, 2011 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Haircut Tip - How much poll
Replies: 39
Views: 2426

Been working from home for 10 years. Would rather roll naked in broken glass than commute. But I'm a few standard deviations from the norm in the degree to which I detest driving. Life is short. If 15K is that important, make do with less. Not trying to be crabby. Just opining.
by RebusCannébus
Mon Oct 10, 2011 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much is short-commute worth?
Replies: 57
Views: 4841

Where the home in the valley meets the damp dirty prison
And the executioner's face is always well hidden.

Been kind of a long day :cry:
by RebusCannébus
Thu Sep 22, 2011 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Favorite song line?
Replies: 153
Views: 9527

A quick check of Amazon shows that Windows 7 Home Premium 64-bit OEM version (i.e. a bare DVD minus bloatware, works fine) is 92 bucks, not 200.

Also, try newegg.com. Search for refurbished laptops. Find one that's in your price range and has a lot of good reviews.
by RebusCannébus
Wed Sep 21, 2011 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Running Windows on Mac vs. Buying a cheap PC laptop
Replies: 42
Views: 3734

Or you could read The China Study by T. Colin Campbell for a different interpretation of what the studies on heart disease and cholesterol levels mean, and how cholesterol, fat and animal protein intake contribute to disease. Or Prevent and Reverse Heart Disease by Caldwell B. Esselstyn, Jr. These ...
by RebusCannébus
Thu Sep 08, 2011 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Do you take a fish oil/omega 3 supplement?
Replies: 191
Views: 16164

Another Compelling Reason to Wear Rubber Gloves

I failed to do so after chopping up some mere jalapeños (let alone habañeros), then went to, uh, relieve myself. Contact was made between hand and handled, as happens in these cases. The result was u-hug-ly. Dear Mother, it hurt.
by RebusCannébus
Fri Sep 02, 2011 12:12 am
 
Forum: Personal Consumer Issues
Topic: Can a vegetable be evil?
Replies: 57
Views: 5815

Does unlinking your bank account make you "unconfirmed"? If so, what are the implications of that? I have an account with an uncomfirmed address. But then I have built up good feedback on eBay. Because of fraud, some sellers will not ship to an uncomfirmed address. Edit: According to Payp...
by RebusCannébus
Mon Aug 22, 2011 10:15 pm
 
Forum: Personal Consumer Issues
Topic: [del]
Replies: 56
Views: 7407

Yeah, unlink your bank account. I only have my credit card linked, so it's much easier to dispute lame charges. I only supply virtual credit card number to PayPal, just like any other online vendor. Absolutely crucial to unlink your bank account, and always use a credit card preferably with a virtu...
by RebusCannébus
Mon Aug 22, 2011 6:58 pm
 
Forum: Personal Consumer Issues
Topic: [del]
Replies: 56
Views: 7407

Who Knows?

(currently, program allows access to healthcare for retirees, at the same rate that employees pay). That is one sweet deal. And eight years is one hell of a long time. Some thoughts: 1. Does your job merely suck, or is it generating levels of stress that are damaging your health? If the former, con...
by RebusCannébus
Mon Aug 22, 2011 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving Out of the Fast Lane - Second Life Career
Replies: 35
Views: 4561

chaz wrote:Foxit.

+1
by RebusCannébus
Mon Aug 22, 2011 12:12 pm
 
Forum: Personal Consumer Issues
Topic: PDF Software Recommendations?
Replies: 10
Views: 2080

he then proceeded to tell me about an hour's worth of material on all the shenanigans, corruption, nepotism, incompetence and other stupidity he had witnessed over the years. it seems like this stuff takes place on a regular basis in the corporate world and sucks the soul out of many mammals! on th...
by RebusCannébus
Wed Aug 10, 2011 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Skills to work on in the corporate world
Replies: 42
Views: 3872

Scott Adams would recommend good hair as critical promotion factor Don't go bald .... :) Obviously, a certain CEO never got your memo. Look him up - see if that affected his stellar performance over at Colgate. According to Adams managers get promoted because they have good hair, not because they a...
by RebusCannébus
Tue Aug 09, 2011 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skills to work on in the corporate world
Replies: 42
Views: 3872

reading the posts in this thread, it seems like the best skill to work on is to avoid entering the corporate world in the first place! :lol: Humans are mammals. Mammalian brains are hardwired for connection to other mammals: affiliation. Corporations (if only speaking metaphorically) are reptilian,...
by RebusCannébus
Tue Aug 09, 2011 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skills to work on in the corporate world
Replies: 42
Views: 3872

English Majors

Ideally, at least, a liberal arts education broadens the mind, develops critical thinking and communication skills, and provides insight into the human character and condition, qualities essential to working in a globalized, multi-cultural business world. Unfortunately, none of said "soft skill...
by RebusCannébus
Tue Aug 02, 2011 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sad insight into how young workers view retirement
Replies: 102
Views: 12464

My take

I say this as a dirt-worshipping, tree-hugging Californian (and this may have been said already; I passed out trying to get through the whole thread, even though I enjoyed the responses I got through): I have been buying fluorescent bulbs since they were 5 or 10 bucks a pop. Two conclusions: 1. Aver...
by RebusCannébus
Fri Jul 29, 2011 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some observations on switching my bulbs to CFL's
Replies: 48
Views: 4656

We came to pet ownership later in our lives. Our two little hounds have enriched our lives immeasurably--and we will grieve when they pass. Without directly addressing the OP's issues, I once heard of the idea of taking a paw print (ink? cement? not sure) of the animal either before or just after de...
by RebusCannébus
Wed Jul 27, 2011 10:32 pm
 
Forum: Personal Consumer Issues
Topic: End of life issues - for a pet
Replies: 71
Views: 5315
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