Search found 4222 matches

Return to advanced search

Re: FLICKR

I just finished uploading several thousand photos to flickr. Made permissions family and friends and myself only. Seems like a good way to save photos as long as you also maintain your own local backup. Thanks for the feed back.
by SpringMan
Sun Sep 14, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 6
Views: 540

FLICKR

FLICKR offers a free TB of storage for photos and videos. Need to setup a yahoo email account which is also free. There are privacy setting that can be setup. I started uploading my photos. I am wondering are there any downsides? I already backup photos to an external hard drive but the idea of an o...
by SpringMan
Sun Sep 14, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 6
Views: 540

Re: which apps for Windows 8 phone?

Be careful in purchasing apps from the Windows store. For example, VLC is a free movie player but there are some apps in the Windows store that are charging for it. You can't go wrong if you just download free apps.
by SpringMan
Sun Sep 14, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: which apps for Windows 8 phone?
Replies: 6
Views: 375

Re: Don't even know where to start on this AARP article

I don't see how RMDs are a surprise to anyone. The percentages are known. Like pointed out, having to pay income taxes is usually a good problem to have. Better than having no income and no taxes in most cases, having everything in Roths could be a possible exception.
by SpringMan
Thu Sep 11, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 4883

Re: Reliable Portable CD Player Needed

I recently bought a laptop computer that had no optical drive yet the manufacturer provided DVD installation disks for Win 7 and Win 8. I started looking for a portable external optical drive and was surprised at how reasonable they are priced on Amazon. This type of player is not exactly what you a...
by SpringMan
Thu Sep 11, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1314

Re: Costco vs Amazon?

Costco!!!! And we only have Sam's club now. Can't wait til Costco opens next year. Bye Sam's Sam's service is the worst of any businesses we use. I can't stand Sam's clubs anymore. To many bad experiences with Sam's clubs. Poorly managed here. Absolutely agree about Sam's and Walmart does not impre...
by SpringMan
Thu Sep 11, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4437

Re: Cell Phone Plans

Also check out Republic Wireless, they don't use Verizon as primary (Sprint) but do have roaming agreements with Verizon. Roaming is no additional charge. My son has a $25 per month plan with data. They use wi-fi for phone calls when its available thus saving cost. When initiating a call from where ...
by SpringMan
Wed Sep 10, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 936

Re: Cell Phone Plans

I would check out Page Plus Cellular. They use Verizon's network. Up until now they have not offered LTE but I recently got an email that they are offering LTE starting in October with pre-orders being taken now. I am fan of theirs, I cheap out and use their $10.75 for 4 months, 100 minute plan in c...
by SpringMan
Wed Sep 10, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 936

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Adam Bold of "the mutual fund store" and host of a weekly radio show advises against 529 plans in favor of taxable investments earmarked for the child. He gives many reasons but none in my opinion are the real reason, his firm gets paid a percentage of assets under management and he would ...
by SpringMan
Tue Sep 09, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10278

Re: Poll: Which iPhone 6?

I am a neither. I use a dumb phone with Page Plus Cellular that cost me $10.75 every 4 months and uses Verizon's network. I voted for the bigger iphone6 plus because I like it better of the two options. Longer battery life and 1080p screen are in its favor.
by SpringMan
Tue Sep 09, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 2965

Re: Why is REIT only sector fund recommended in slice & dice

Some of the Couch Potato slice and dice portfolios also include the Energy sector.
http://assetbuilder.com/couch_potato/co ... o_cookbook
by SpringMan
Mon Sep 08, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7427

Re: Sump Pumps

When our house was built in 1971, it was normal to use drain tile along the outside perimeter of the basement and a sump pump in the basement. After several years we noticed water seeping in at the basement floor and the wall in several locations. We contacted a basement waterproofing company and th...
by SpringMan
Mon Sep 08, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Sump Pumps
Replies: 11
Views: 837

Re: Do you consider your emergency fund part of your portfol

Our bank accounts are not considered when analyzing our portfolio. Accounts at Vanguard and Fidelity both are linked to each other and their tools look at combined holdings at both firms. Checking and savings accounts that make up our emergency fund are not included in our pie charts.
by SpringMan
Mon Sep 08, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3038

Re: Vanguard Lost $50k

It begs the question, has Vanguard gotten too big to provide excellent service? When someone says the will call back and fails to do so :( , not good. I hope this gets resolved satisfactorily. Sorry to hear this. Those posting about BofA, nothing surprises me with them. It does surprise me with resp...
by SpringMan
Sun Sep 07, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

I like Wellesley Income paired up with Berwyn Income for a conservative allocation. For a moderate allocation I like Wellington paired up with T Rowe Price Capital Appreciation. Of course these are not my only holdings.
by SpringMan
Fri Sep 05, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5371

Re: Which generator do you have?

Have installed a backup sump pump that uses city water. How well does this work? What happens if the city loses power also? I currently have a battery back-up sump pump with no complaints so far, but I have been contemplating buying a generator to keep the other 2 sump pumps running. Wondering if I...
by SpringMan
Wed Sep 03, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7243

Re: Which generator do you have?

I have had a lot of portable generators. First one was a 3000 watt Montgomery Wards/Onan which we used to run a skill saw where electric was not available building a cabin and to plug our sump pump into during power outages. Second one used much the same way and pump water into our cabins storage ta...
by SpringMan
Wed Sep 03, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7243

Re: Should I bite the bullet and pay 50k in fees?

This whole thread makes me realize what snakes these annuity salesmen are. There should be a law against such self serving insurance salesmen. Maybe there is, I would check to see if anything can be done and possibly pursue legal action if it makes sense. As others have pointed out, better to learn ...
by SpringMan
Tue Sep 02, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and pay 50k in fees?
Replies: 39
Views: 4091

Re: Excess RMD

Gift some to your children? Easy for me to say, I am not taking RMDs yet. :)
by SpringMan
Sun Aug 31, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 973

Re: strategy to get brokerage bonuses

All Fidelity would do for me was give me 200 free trades. Those are worthless to me.
by SpringMan
Mon Aug 25, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 54
Views: 3687

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. In a case like this I would rename the file or folder and see if there are unintended consequences. If ...
by SpringMan
Fri Aug 22, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 49
Views: 3631

Re: Which Vanguard BOND Fund ?

Rather than pay the .25% purchase fee for VICSX, I would avoid the fee and buy the ETF, VCIT. That said, I don't own either. I own the short term corp index, VSCSX, no purchase fee for it. I am also an owner of VBTLX, total bond market index.
by SpringMan
Thu Aug 21, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3214

Re: Bad(?) advice given about Target Date Retirement funds

I think the reason that target date funds get bad press from many financial advisors is that when people invest in them it puts the advisors out of a job.
by SpringMan
Tue Aug 19, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6471

Re: Amazon.com prices change quickly

Another variable affecting price is color. I purchased a Seagate USB external disk drive. The Amazon ad defaulted to red color. There were other choices including black. Though the exact same hardware the black drive was 20 dollars cheaper. It is not always black that is cheapest either. I saw a Sam...
by SpringMan
Mon Aug 18, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 7590

Re: Bad(?) advice given about Target Date Retirement funds

The glide path concern does not apply to Vanguard's Target Retirement Income fund which has no glide path. My objection to the TD funds is that they do not use admiral share class for the sub-funds regardless of how much is invested. If you can afford it, it is better to use admiral shares and do yo...
by SpringMan
Mon Aug 18, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6471

Re: Receiving Spam Emails Since Joining

Never received any spam attributed to Bogleheads. I do think but am not 100% sure that joining Morningstar resulted in some spam.
by SpringMan
Sun Aug 17, 2014 11:26 am
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 14
Views: 1249

Re: Windows 7 PC?

Download a program called "ShouldIKeepIt". Can you post a url for this? Google searches were fruitless. Apparently people are more concerned about should they keep babies, household junk and old documents. The program was actually called "ShouldIRemoveIt" not "ShouldIKeepIt...
by SpringMan
Sat Aug 16, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2512

Re: Windows 7 PC?

I recently bought an HP Pro 13" laptop that came with Win 7 Proffesional. It came with two optical disks, one for Win 7 and one for Win 8 which I thought strange since the computer had no optical drive. I know there are cheap external optical drives available and there is also a way to copy a W...
by SpringMan
Fri Aug 15, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2512

Re: Windows 7 PC?

Windowss 98 was great, Windows 2000 was terrible. Windows XP was fantastic, Windows Vista was not. Windows 7 is the best one yet, Windows 8 is a disappointment. I guess the rule of thumb here is to skip every other OS when it comes to Microsoft. I agree in concept but it was Windows ME that was ter...
by SpringMan
Fri Aug 15, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2512

Re: Any Opinions on Mirrorless Cameras?

... I'd consider the Sony, m4/3, or Fuji systems. And if you're asking here, you don't want the Fuji system (think Leica, not P&S). ... I guess you may have missed my post where I ordered a Fuji system. I do appreciate your opinion on Fuji. I don't see where any new Panasonic G3 sells for $140 ...
by SpringMan
Thu Aug 14, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: Mac Airbook

I would weigh the advantages of the macbook air vs macbook pro. The first has longer battery life, the later is more powerful and has the retina screen and cost more, choose based on your needs. In most of the current macbooks, the ones with solid state drives, Apple has made it very difficult for t...
by SpringMan
Thu Aug 14, 2014 4:39 am
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3222

Re: Any Opinions on Mirrorless Cameras?

Nice summary countofmc, Samsung is another brand I looked closely at, the NX 2000 model. Amazon has a nice pink one for $299 with kit lens. Wife would like pink :happy I found several reviews where the Samsung got a refused to recognize lens error. That scarred me away from that model though the pro...
by SpringMan
Wed Aug 13, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: Why is Bank of America so hated?

Listeners to Clark Howard know he calls BoA a "monster mega-bank". He has nothing good to say about them. Today's Clark Howard podcast discussed how Wells Fargo tried to trash a mortgage holders credit rating over 70 cents. The wife had been paying the mortgage which was apparently $1500.7...
by SpringMan
Wed Aug 13, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2449

Re: Any Opinions on Mirrorless Cameras?

Thanks all,
Just submitted my order for the Fuji X-A1 with the two lenses mentioned above. Hope it is not a mistake.
Wife said go for it :happy .
by SpringMan
Wed Aug 13, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: Any Opinions on Mirrorless Cameras?

LEICA M body only at Amazon is $6950. No doubt a terrific camera but too rich for my blood :happy .
by SpringMan
Wed Aug 13, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: Any Opinions on Mirrorless Cameras?

I found a Fuji X-A1 camera with two lenses, Fuji 16-50 f3.5-5.6 and Fuji 50-230 f4-f6.7 on Amazon for $499. Now sitting in my Amazon basket. On the down side, Amazon says it could take 3 weeks or more. The Olympus OMD is one of the best but is higher than my budget. Still have not pulled the trigger...
by SpringMan
Wed Aug 13, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: Any Opinions on Mirrorless Cameras?

Thanks, I have always been a fan of Olympus cameras. The EP3 is still available on Amazon for a reasonable price. This will be on my shortlist. Panasonic G3 micro 4/3 is too.
by SpringMan
Wed Aug 13, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Any Opinions on Mirrorless Cameras?

We are down to one camera, a Pentax DSLR, which I use and like a lot. My wife does not feel comfortable with using large DSLR style cameras so we started looking at smaller mirrorless cameras. Have looked at Canon EOS M which can be small with a pancake lens and can be purchased for only about $300....
by SpringMan
Wed Aug 13, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Any Opinions on Mirrorless Cameras?
Replies: 40
Views: 2100

Re: RBD here yet? (DOW -300points drop)

If the drop continues tomorrow, we could see some buying opportunities, yes... I would say that if we have 5 days in a row like today, none of them would be RBDs. That does not mean that after 5 days of such there would not be some rebalancing opportunities. Here is a list of ETFs that I have progr...
by SpringMan
Thu Jul 31, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5110

Re: Partial Roth conversion questions

At Vanguard you can do this online if both the tIRA and Roth exist at Vanguard. When moving from one mutual fund in a tIRA to another in a Roth IRA, I move a specific dollar amount. Otherwise you lose control of the dollar amount when dealing with shares. With ETFs you need to deal with share amount...
by SpringMan
Wed Jul 30, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Partial Roth conversion questions
Replies: 7
Views: 638

Re: Anyone here use Personal Capital?

I signed up after hearing a commercial for it on TWIT podcasts. They have not hounded me to so far. I have not figured out how to delete my bank accounts, once entered. I only want to see my investment and retirement accounts. They send an email once a week with how your accounts have done in the pa...
by SpringMan
Tue Jul 29, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5561

Re: Tell me why I shouldn't buy individual muni bonds

It could make sense. Remember buying individual bonds are not Vanguard products so would not be considered in calculating your Flagship client status. If removing 500,000 dollars from Vanguard products will not change your client status, and you don't mind the additional complexity and plan to remai...
by SpringMan
Tue Jul 29, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 32
Views: 2402

Re: Vanguard sued for charging too little

This reminds me of the days when you could take your burnt out light bulbs back to Detroit Edison and get free replacements. Some pharmacy sued and won and the policy was abolished. A dumb law suit in my opinion.
by SpringMan
Sun Jul 27, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21471

Re: Equity Income Fund Good Performance

We own the admiral shares, VEIRX. A great fund with an expense ratio is .21%. It has under performed the S&P 500 over the last one year but not the 3 year, 5 year, or 10 year. It is a good proxy for the stock sleeve of Wellington and Wellesley funds. There are some that think the duration of the...
by SpringMan
Sun Jul 27, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Equity Income Fund Good Performance
Replies: 3
Views: 379

Re: VWENX vs. VFIAX?

They are not comparable at all, not the same type of investment. Vanguard Windsor Admiral, VWNEX, is a large cap value stock fund, 80% U.S stocks & 20% international stocks. link . Vanguard Total Intl Stock Index Admiral, VTIAX, all sizes of companies, with almost all international stocks and a...
by SpringMan
Wed Jul 23, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX vs. VFIAX?
Replies: 5
Views: 386

Re: VG Admiral Fund-falling below minimum investment

Regarding the suggestion of converting the mutual fund to an ETF, it should be pointed out Vanguard will not allow such conversions on their bond funds. Works as described above on their stock funds, that is it is free and not a taxable event. Furthermore the conversion works for investor shares as ...
by SpringMan
Mon Jul 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3384

Re: Favorite Athlete

Gordie Howe, despite the fact the his wife was into Amway.
by SpringMan
Sun Jul 20, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 833

Re: POLL: Walmart vs Amazon

You have the right to extrapolate the "jerk in you mind story" to every rule out there. I can assure you we had no sinister motive to us arriving 15 minutes early. Believe me the customer relations exhibited by the door person did not reflect favorably on Sam's. My mind controls my behavi...
by SpringMan
Mon Jul 14, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8642

Re: POLL: Walmart vs Amazon

I have a different attitude toward rules. A good friend told me the story of a school performance where the doors were to open at 9:30. At 9:15, an elderly gentleman asked if he could go in to use the bathroom. They let him in, and when the doors opened at 9:30, he was sitting in the front row savi...
by SpringMan
Mon Jul 14, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8642

Re: POLL: Walmart vs Amazon

Another annoyance at Sam's Club is after going through the checkout and paying for the merchandise you are stopped by the door person and rechecked to make sure you have not stolen any merchandise. Costco, a store which I like, does the same thing. Most retail stores don't do this to every shopper. ...
by SpringMan
Mon Jul 14, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8642
Next

Return to advanced search