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Re: Power vent water heater noise

Mine is comparable to a bathroom exhaust fan. I have 2 bathroom fans: one is so quiet you can barely hear it, one is loud enough to hear 25 feet away. Which one is your closer too? It is moderately loud within the confines of a small bathroom, and quite noticeable in nearby rooms if the door is lef...
by Timoneer
Sat Aug 02, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 805

Re: Power vent water heater noise

I'm thinking of replacing my old water heater. One way to make the replacement code compliant is by installing a power vent water heater. Since this is going to be inside the house (not the garage), I'm worried that the power vent noise might be quite annoying. I couldn't find noise levels specifie...
by Timoneer
Fri Aug 01, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 805

Re: Central AC replacement decision

Our Trane unit is 23 years old and still uses Freon. We have it serviced annually and it works just fine, but when the HVAC service guy was here today, he noted its age and the fact that it is statistically overdue for replacement. We have had an exceptionally mild and comfortable summer and as a r...
by Timoneer
Fri Aug 01, 2014 7:49 am
 
Forum: Personal Consumer Issues
Topic: Central AC replacement decision
Replies: 54
Views: 3944

Re: Surge protectors

So here is what is probably happening in the OP's case. The circuit for the blender probably has other appliances on it that are running at the same time. It isn't right, but not uncommon for the refrigerator, for example, to be on the same circuit. So at around 45 seconds, the combination of appli...
by Timoneer
Wed Jul 30, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3561

Re: Surge protectors

Frankly, this is a bunch of pseudo-electrical gobbledegook. ...Nobody said that [the blender can only be operated for 15 seconds at a time]... There is no evidence that the blender overheats in 45 seconds....GFCI's should not be affected by inductive loads or "spikes" when turning on or o...
by Timoneer
Wed Jul 30, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3561

Re: Surge protectors

There is nothing unusual about the power rating of this blender. It is 1500 watts which is less than the typical counter-top microwave, toaster oven or hair dryer. It should operate fine on a typical 15 amp circuit assuming there are no other high power devices on the same circuit operating at the ...
by Timoneer
Wed Jul 30, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3561

Re: Surge protectors

That's correct. Here is the thing: it's a brand new top of the line Ninja Ultima blender from Bed Bath and Beyond. It costs about $300. As stated in my original post - it happened twice. But the first time it happened, I exchanged it at the store and they gave me another one. But the same thing hap...
by Timoneer
Mon Jul 28, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3561

Re: Surge protectors

Kitchen outlets in newer or remodeled homes use Ground Fault Interrupt outlets. These outlets have test and reset buttons on the outlet. The GFI breaker in one outlet can control several others. You might check and see it the outlets you are using are GFI and, if so, reset the outlet breaker. Check...
by Timoneer
Sun Jul 27, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3561

Re: Boston or south Boston chapter

There is just a slight chance that I will be able to attend for lunch, but I will throw out a few alternatives for the Burlington area: Not Your Average Joes, in Wayside Common. This is just off Exit 33 of 95, one exit north/east of the Burlington Mall. http://www.notyouraveragejoes.com/burlington/ ...
by Timoneer
Wed Jun 18, 2014 3:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3822

Re: Purchasing IPad and need advice

I greatly prefer the iPad mini for travel, because of weight and size. The 16GB version is more than adequate for all of my travel needs, such as maps, airlines, Kayak, Yelp, Opentable, etc. I would only need 32GB if I wanted to store several full length movies. Only the cellular model has built in ...
by Timoneer
Sun May 04, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 1964

Re: Donor Advised Funds

The main differences I found when I opened my account in February were: Fidelity Charitable: minimum initial contribution $5k, subsequent grant $1K, minimum grant $50 I recently opened a Fidelity DAF, and my understanding is that there is no minimum on subsequent contributions. The only minimum tha...
by Timoneer
Tue Mar 25, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 62
Views: 2898

Re: H&R Block instead of 2013 TurboTax

I notice that you switched from TT online to HRB desktop. Note that the TT desktop version supports all forms; it's only the online versions that require upgrading to do what you needed to do. Kevin Yes, I realize that it is an apples and oranges comparison, in part because TT created a confusing d...
by Timoneer
Sun Mar 02, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32225

Re: 2013 TurboTax: Which Product? New Rules?

HRB did have the M-2210 form, but it told me that I also had to fill out the supporting worksheet M-2210A which it did not support. I was directed to the state website to download it and fill it out manually. This proved to be a perverse form, created by a devious sadistic mind. Dozens of numbers t...
by Timoneer
Sun Mar 02, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32225

H&R Block instead of 2013 TurboTax

I am one of those former TurboTax users who has been annoyed by TT's marketing decisions regarding this year's software. For years I have been content using the Deluxe on-line version. This year, I find that I must upgrade from Deluxe to Premier just to report Schedule D. Because I have simple Sched...
by Timoneer
Sun Mar 02, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 32225

Re: Meeting with Fidelity

You can save a lot of money by just following the Boglehead passive investing approach. Of course active management is very valuable... but for the providers, not the clients. Note: I have accounts at Fidelity and am pleased overall with their customer service. But I don't take any advice from them...
by Timoneer
Fri Feb 28, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 5377

Turbotax and Schedule C

I have previously used TT Deluxe for many years, and it has been perfectly adequate for handling investments and some simple Schedule C income. Because there is some depreciation of computer equipment involved, I must file a Form 4562 and cannot use the simpler Sched C/EZ. Now I have read the length...
by Timoneer
Fri Feb 14, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax and Schedule C
Replies: 4
Views: 302

Re: TIAA Real Estate and asset allocation -- REIT? Bond?

OK, I am ready to cash out and roll this TREA money over to an IRA....! You need to call TIAA-CREF to remove money from the TREA, all or in part (but only one withdrawal per quarter is allowed, regardless of amount). This can NOT be done "online". Then put it in your TIAA/CREF money marke...
by Timoneer
Sun Feb 02, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA Real Estate and asset allocation -- REIT? Bond?
Replies: 64
Views: 3476

Re: "Own the haystack"

The CPT demonstrates the futility of trying to time the market. It also demonstrates the benefit of investing in the total market. Last year, I went to a seminar conducted by a major investment institution (there was a free dinner involved). One of the first slides put up at the beginning of the pr...
by Timoneer
Sat Jan 11, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: The Callan Periodic Table updated for 2012
Replies: 42
Views: 5983

Re: Qualified vs Non-qualified Dividends

Thanks Geologist and others who have opined. I think you're right that Fidelity will eventually reclassify non-qualified dividends as qualified for those hold >61 days and initially plays it safely by listing dividends as non-qualified. I prefer the Vanguard method of disclosure but will be patient...
by Timoneer
Tue Jan 07, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2265

Re: pension--lump sum or annuity?

I apologize for not responding earlier. I am the OP. let me answer your questions first. 1. My firm is a major international Pharma company. 2. My pension is not inflation adjusted 3. My SS is $1750/mo and my wife's is $650/mo. 4. My savings are indexed fund invested at close to 50% equity/50% fixe...
by Timoneer
Thu Jan 02, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 3261

Re: Penison--lump sum or annuity?

How would the lump sum option be taxed?
by Timoneer
Thu Jan 02, 2014 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension---lump sum or annuity?
Replies: 46
Views: 3261

Re: Year-end update: What are TREA Market Timers thinking?

Are any of you TREA market timers thinking about making some trades? Thanks! I am a lazy timer. I have no interest or confidence in my ability to predict when the peak may occur. I do have confidence that I will have many weeks to act after the inevitable decline begins, with the consequence of onl...
by Timoneer
Thu Dec 26, 2013 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account, bond-like or Madoff-like?
Replies: 79
Views: 7339

Re: iPad Air info please

Thinking of buying an iPad Air this weekend. Not interested in any other tablet so would appreciate keeping the focus on the iPad. We have wireless at home and we have iPhones with cellular plan thru ATT and not changing carrier. For the iPad I keep debating: storage space 16GB or 32? WiFi only or ...
by Timoneer
Thu Dec 26, 2013 10:24 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air info please
Replies: 35
Views: 2021

Re: Qualified vs Non-qualified Dividends

Thanks, Geist and Sydney. I'm glad to hear taxation of dividends remains unchanged in 2013 relative to 2012, and I think the status on these dividends from an equity index mutual fund offered from Fidelity will end up being qualified rather than non-qualified, despite the current misleading descrip...
by Timoneer
Wed Dec 25, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Qualified vs Non-qualified Dividends
Replies: 22
Views: 2265

Re: New ibond rates for nov 2013

If you setup an order for 10/31 do you get that date or does it take a day or two to clear? I had set up an order in advance for today (10/29). The funds were withdrawn from my bank this morning, and checking my Treasury Direct acct, I see that the new Ibond is already registered, with an effective...
by Timoneer
Tue Oct 29, 2013 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: New ibond rates for nov 2013
Replies: 45
Views: 8123

Re: DCA on Down Days?

There are threads on here which talk about why dollar cost averaging is *not* better (on average) than just investing it all in one step, at least, when you remove emotion. For emotional reasons, people might feel better with DCA, but research shows it does not give better results. Search for these...
by Timoneer
Fri Oct 25, 2013 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA on Down Days?
Replies: 27
Views: 1810

Re: [Poll] Math question for Bogleheads

What is the value of X?

Ten
by Timoneer
Mon Sep 30, 2013 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Math question for Bogleheads
Replies: 39
Views: 1598

Re: Speaker Jumper Cables

I decided to puzzle over the gold vs. silver and just used some decent speaker wire I had around. The sound is much better, They didn't come with the jumper, and whatever I had done shook loose during a recent move. The speakers are a wonder: http://www.soundstage.com/revequip/silverline_sonatina.h...
by Timoneer
Sat Sep 14, 2013 9:35 am
 
Forum: Personal Consumer Issues
Topic: Speaker Jumper Cables
Replies: 19
Views: 1360

Re: Central Air Sizing Question - Buying a Condo

During the walkthrough today, cooling performance was very poor in my (amateur) opinion. The outdoor temperature was about 82, and the thermostat had been set to 80. I set the thermostat to 70 and it took 25 minutes to cool 1 degree. It took about 3 hours running constantly to cool 6 degrees to 74....
by Timoneer
Sat Jul 27, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Central Air Sizing Question - Buying a Condo
Replies: 17
Views: 1280

Re: Wrist Watches

Not too many decades ago, the selling point of expensive watch brands was their precision. A cheap watch was a lousy timekeeper. You had to spend a lot to get a watch that kept very accurate time. Now, almost every watch keeps fantastic time. The cheap $10.88 ones at Walmart are every bit as good ti...
by Timoneer
Sat Jul 13, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 7010

Re: Choosing a Fidelity account executive

Thanks for all your responses. I should clarify that I am not looking to my acct exec to manage my investments. I get my investment advice from Bogleheads, and I am happily set up with low ER Spartan index funds. But since Fidelity will provide me with an acct exec for free, I might as well take adv...
by Timoneer
Fri Jul 12, 2013 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 961

Choosing a Fidelity account executive

My account executive at Fidelity has left the firm, and I am wondering how I should go about choosing a successor. The fellow the branch office chose for me initially is a 20-something barely out of school. I'd like to know what other Bogleheads would choose as a filtering criteria. I would also app...
by Timoneer
Thu Jul 11, 2013 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a Fidelity account executive
Replies: 13
Views: 961

Re: Of moons and memes

A "supermoon" happens every fourteen months . I've never heard it called that before, and I don't believe I've noticed big mainstream news items about before. "Supermoon" is a great meme and it's been spreading like wildfire. Its popular use in mainstream media is only two years...
by Timoneer
Sun Jun 23, 2013 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Of moons and memes
Replies: 10
Views: 766

Re: Questions about TIAA-CREF

Retirement What happens at retirement with a 403b at TIAA-CREF? How is it different than taking distributions from a rollover IRA? This raises a slightly related point that I have wondered about. Does a 403b account have somewhat stronger protection against creditors than if the funds had been roll...
by Timoneer
Sat Jun 22, 2013 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about TIAA-CREF
Replies: 37
Views: 3104

Re: Venting a Cape?

Been living in a Cape Cod house for many years and while I have individual ac units upstairs in the bedroom, I dislike a/c air and use it only when I have too. Would much prefer on non-humid days to vent the air outside.....I was told this can't happen in a Cape (no attic space)...true? Anyone else...
by Timoneer
Tue Jun 18, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Venting a Cape?
Replies: 6
Views: 1093

Re: Recommendation for Wireless Home Monitoring System

The apartment complex we live in had a couple of break ins recently. Want to install something simple so I can monitor at work. Any recommendation for someone who is not that familiar with IT installation? I was checking amazon.com and found Foscam. Anyone familiar with this? Many Thanks I just ins...
by Timoneer
Tue Apr 23, 2013 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for Wireless Home Monitoring System
Replies: 6
Views: 779

Re: flushing hot water heater

It is my impression that the purpose of flushing is to remove any sediment that might build up in the bottom of the tank. It is only necessary to drain a gallon or two into a bucket. I don't see any reason to drain the entire tank. You are flushing the contents every time you fill the bathtub, run t...
by Timoneer
Fri Mar 29, 2013 9:56 am
 
Forum: Personal Consumer Issues
Topic: flushing hot water heater
Replies: 18
Views: 1433

Re: phone calls where no one is there

Whenever I get one of these calls, I just put my phone in front of the TV and have them "talk" to each other. It doesn't take too long for them to figure it out and hang up. I'm sure it has no effect on them, but I get a chuckle out of it. :-) 1210 I usually hang up immediately, but once ...
by Timoneer
Mon Mar 18, 2013 10:24 am
 
Forum: Personal Consumer Issues
Topic: phone calls where no one is there
Replies: 26
Views: 3765

Re: Plumbing question

HK- That telescoping basin wrench you talk about I have rented from Home Depot in the past. Working that tool is like holding chop sticks from the far end. Surfer-thanks for the reply. No soldering, just the fitting. It's the long reach that's frustratingly difficult with the tub right-side-up. Yea...
by Timoneer
Sat Mar 16, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Plumbing question
Replies: 5
Views: 874

Re: Social Security: Can both spouses collect spousal benefi

Do I have it right? Yes, I think that is correct. Better still, I think she is eligible for 6 months of retroactive spouse benefits. In other words, don't wait. The withdrawal itself can take months from what I have read. Be careful, there is a potential bureaucratic catch-22. If you file for spous...
by Timoneer
Fri Mar 01, 2013 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security: Can both spouses collect spousal benefits?
Replies: 65
Views: 3152

Re: Social Security: Can both spouses collect spousal benefi

This discussion has been useful to me in revealing a misunderstanding I had about claiming spousal benefits after FRA, and may be helpful in a current family situation. I would appreciate confirmation that the following interpretation is correct. A relative had been married for more than ten years, ...
by Timoneer
Wed Feb 27, 2013 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security: Can both spouses collect spousal benefits?
Replies: 65
Views: 3152

Re: Free Turbotax Premier Online for Fidelity users

Bad news folks. Seems it was a mistake and Fidelity/Turbotax disabled it. My account was showing a charge of $49.99 just now whereas yesterday it showed $0. The good news is I chatted with Turbotax support online and they gave me a single-use code to still get premier for free. If you still want it...
by Timoneer
Tue Feb 05, 2013 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Turbotax Premier Online for Fidelity users
Replies: 12
Views: 2254

Re: Turbotax Online vs Turbotax in the box

I have been using the online version of Turbotax for several years for both federal and state. This year's pricing structure favors buying the box version through Amazon. I hesitate because I value the TT feature that automatically imports previous year's data, such as carryover of long term capital...
by Timoneer
Mon Feb 04, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs Turbotax in the box
Replies: 31
Views: 3877

Re: Theoretical question about energy efficiency & savings

However, was wondering just theoretically - assuming good home insulation in cool weather climates, is there any energy advantage for running fluorescents vs incandescents, or any other energy-efficient appliance vs non-energy efficient appliance for that matter, if you are also using central air t...
by Timoneer
Tue Jan 22, 2013 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Theoretical question about energy efficiency & savings
Replies: 22
Views: 1389

Re: SS - suspending and switching to spousal

Yes, as long as she is eligible for the spousal benefits as an ex-wife. It's no different from what a married person could do. § 404.331. Who is entitled to wife's or husband's benefits as a divorced spouse. [keep reading] http://www.socialsecurity.gov/OP_Home/cfr20/404/404-0331.htm Thank you. A fo...
by Timoneer
Sun Dec 16, 2012 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS - suspending and switching to spousal
Replies: 8
Views: 538

SS - suspending and switching to spousal

Five months ago, at the age of 66, a relative started collecting SS on her own account. She is divorced and still working. Can she still suspend her own benefits, collect her spousal benefits, and then at 70 return to her own account, increased by 8% for each year of deferral?
by Timoneer
Sat Dec 15, 2012 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS - suspending and switching to spousal
Replies: 8
Views: 538

Re: Looking for a Good Historical Fiction Series

Flashman is the series for true bogleheads. Fraser gave Flashman a lifespan from 1822 to 1915 and a birth-date of 5 May. Flashman's first and middle names were created for the character as Flashman's first name is not given in Hughes's novel. Fraser uses them to make an ironic allusion to Henry Pag...
by Timoneer
Thu Oct 18, 2012 9:18 am
 
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 4490

Re: Looking for a Good Historical Fiction Series

CS Forrester also wrote 'The Gun' and 'Death to the French' 2 linked novels set in the Peninsular War in Spain (ie Napoleon).\\ 'Death to the French' is usually found in the US as 'Rifleman Dodd', and is likely the model for Bernard Cornwell's Sharpe. In fact, Cornwell cleverly included private Dod...
by Timoneer
Mon Oct 08, 2012 11:24 am
 
Forum: Personal Consumer Issues
Topic: Looking for a Good Historical Fiction Series
Replies: 48
Views: 4490

Re: The Millennium Bridge effect

Recently a poster asked the question "what would happen if all investors became passive index investors?" Several thoughtful responses pointed out the negative effects. Recently, Fidelity put out an article entitled, The Millennium Bridge effect https://www.fidelity.com/viewpoints/market-...
by Timoneer
Fri Aug 24, 2012 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: The Millennium Bridge effect
Replies: 22
Views: 1927
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