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Re: Borescope for inspecting dryer vents and AC ducts

For lint a borescope is overkill. But don't let that stop you from getting one! :sharebeer I used mine repeatedly this weekend to check out walls that I wanted to cut outlets into. I could see where all the wires were before cutting -- very reassuring! :o While our house was being built I took pict...
by bertilak
Sun Oct 19, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1195

Re: Quicken 2015 for Windows - Any reviews?

Please advise what in this "upgrade" has made you happy, just for me?! ;) ⋅ Mostly it isn't more broken than it is! :oops: I really was expecting more problems until I read a post above saying the upgrade went smoothly, and it did go better than the last time. ⋅ The ov...
by bertilak
Sun Oct 19, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: Quicken 2015 for Windows - Any reviews?

Two problems since my upgrade to 2015 (and now R3) a few days ago: ⋅ Cannot enter a note directly into a transaction in the register. You can type in the note but as soon as you hit enter or tab the text vanishes. To enter the note you must right click the transaction and select "note...
by bertilak
Sun Oct 19, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: [Confused with Medigap Options]

I was hell bent on getting issue age, but when I spoke with someone at BCBS over the phone, she couldn't figure out why I wouldn't go for attained age. I said because I don't want the price to go up every year, and she said the issue age plans go up every year anyway.. but by how much? Does it rese...
by bertilak
Fri Oct 17, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 28
Views: 1272

Re: [Confused with Medigap Options]

You are right, mostly. I believe that $50 ER charge is eliminated if you are admitted. I can't foresee many ER visits that don't result in being admitted. I am? Right mostly? Funny, that's not what my b.f. keeps telling me most days :P Seriously, yes, there is no $50 co-pay if the ER trip results i...
by bertilak
Fri Oct 17, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 28
Views: 1272

Re: Electric Razors

I tried using DE blades with shave cream for about 2-3 months. I could never get the hang of it after trying ~20 different blades, getting nicks almost every time, and I was never impressed with the closeness of the shave. Besides, it was a huge time sink. I don't need or want to shower immediately...
by bertilak
Fri Oct 17, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1839

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges...
by bertilak
Fri Oct 17, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 28
Views: 1272

Re: Borescope for inspecting dryer vents and AC ducts

I understand the benefits of a TPO (Tool Purchase Opportunity) as well as anyone, but do you really need a borescope for dryer vents and HVAC ducts? Dryer vents need to be cleaned periodically, so just do it. You don't need to look at them. I have come to that same conclusion and am investigating t...
by bertilak
Fri Oct 17, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1195

Re: Is it possible to have a favorite movie

Erwin007 wrote:Yes, Fletch.

Man at door: I'm from the CIA.
Fletch: How do you spell that?
by bertilak
Fri Oct 17, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 79
Views: 2636

Re: [Confused with Medigap Options]

If you are considering Plan F, take a look at Plan N. They are nearly identical and N is cheaper. There are a couple of things N does not cover. First, the yearly deductible ($147 right now) but that is made up by the premium savings very quickly. The other thing has to do with "excess charges&...
by bertilak
Fri Oct 17, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 28
Views: 1272

Re: Investment Policy Statement - share your sample template

One thing I didn't notice in the above (may have skimmed too quickly!) ... You might consider looking at stages in your investment career. For example, before and after some major events: retirement (maybe the biggest) collecting SS (including age decision) marriage children entering or graduating f...
by bertilak
Fri Oct 17, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement - share your sample template?
Replies: 8
Views: 1174

Re: What Book Are You Currently Reading? Part VI

The Singing Sands by Josephine Tey. A mystery novel from 1953. This is a Novel with a male protagonist written by a woman. I find these interesting. Three examples: ⋅  The Secret History by Donna Tartt. I found this book strangely fascinating. I couldn't stop reading. But, this was mostly...
by bertilak
Wed Oct 15, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 107
Views: 6673

Re: Samsung or LG Washer and Dryers (reliability and repairs

I personally wouldn't go for a top of the line washer, as most of the features aren't really needed (I am yet to wish I could steam clean my clothes). However, the faster spin cycle is nice as it reduces the amount of water content left in the clothes. It is cheaper to spin dry your clothes than it...
by bertilak
Wed Oct 15, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 850

Re: Samsung or LG Washer and Dryers (reliability and repairs

We've had Samsung front loaders for about a year. We like everything except the quietness and longness of the "song" when the load cycle is over. If you google something like "Samsung washer sings" you'll get several videos. Its a good 30 second jingle that we can't hear if we'r...
by bertilak
Wed Oct 15, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 850

Re: investing in bear market

With the bear market likely here, and with allocations to stock % dropping, should I invest new monthly savings (not rebalancing money) into the market to bring up my allocation in stocks, or should i invest it per my desired allocation (60/40), and then just reblance yearly to make in 60/40? Go wi...
by bertilak
Wed Oct 15, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in bear market
Replies: 29
Views: 2233

Re: Quicken 2015 for Windows - Any reviews?

Try one step update, hm, it seems to have changed my vault password to my quicken password, not so good, I wonder if that can be separated? Hm... ok, that seemed to finish in about the same amount of time as usual. The 2015 installation asked me a bunch of questions along the way, most of which I s...
by bertilak
Wed Oct 15, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: Electric Razors

Do today's electrics give you a BBS* shave? It has been many, many , years but I used to try new electrics every couple of years and never found one that worked to my satisfaction. They all just chopped the whickers down to a low stubble and were uncomfortable (a bit short of painful) to use. *BBS =...
by bertilak
Tue Oct 14, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1839

Re: Need dispensation to pay ROTH conversion taxes from tIRA

I think the conventional wisdom stems from the penalty. Since you are over 59.5 and would not have the penalty, I think this is an exception. I could be overlooking something, but I don't see a downside either. I think the conventional wisdom stems from preserving as much tax-advantaged space as po...
by bertilak
Tue Oct 14, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 776

Re: Question re: RMD

FinancialDave wrote:"Playing the odds" sounds like something to be done in Vegas, not with your retirement funds.

If you are invested, you are playing the odds, unless you found a risk-free investment.
by bertilak
Tue Oct 14, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1215

Re: Question re: RMD

Unless you can predict the future of the market I can't see how you could prove that Dec. is any better than Nov. or better than June or January. We all predict the future of the market -- it will go up. If we didn't believe this we wouldn't invest. (Well, except for dividends) To the extent we bel...
by bertilak
Tue Oct 14, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question re: RMD
Replies: 19
Views: 1215

Re: Quicken 2015 for Windows - Any reviews?

Either of you previously use 2014? I'm curious how the speed of '15 is compared to '14? I'm hoping its a little faster and doesn't hang as much when switching accounts and windows I upgraded from 2013 so have no experience with 2014. Unfortunately, 2015 seems slower than 2013. The slowness is, I th...
by bertilak
Tue Oct 14, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: Can anyone comment on mobile upgrades?

My husband and I use Q 2013 (Windows). The mobile features are just lousy, which is a problem, as he's on the road quite a bit. Can anyone who's bought Q 2015 comment specifically on the mobile features - do you find them easy to access, easy to find info/enter it on the go, simple interface on the...
by bertilak
Mon Oct 13, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: Roth IRA & Dollar Cost Averaging

If the are then not as nervous as they were to begin with they are being illogical.... They have managed themselves into the same risk they were trying to avoid.[ I certainly agree, but sometimes "illogical" has to be managed. I don't think our brains are correctly wired for this investin...
by bertilak
Mon Oct 13, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1161

Re: Roth IRA & Dollar Cost Averaging

Perhaps paycheck investing should be referred to as lump sum averaging (LSA) to cut down on the confusion. :) I call it a series of lump sum investments -- invest all you can as soon as you can whenever you can, at an appropriate AA. Put your money to work. Investors should manage risk via asset al...
by bertilak
Mon Oct 13, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1161

Re: Roth IRA & Dollar Cost Averaging

What is confusing is that many people call paycheck investing DCA and assume that since paycheck investing is a "good thing" (and I agree that it is) then actual DCA (staged shifting of wealth) must also be a good thing (and this neither I nor Constantinides agree with). The Constantinide...
by bertilak
Mon Oct 13, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1161

Re: Why choose a LifeStrategy Fund?

Can somebody please explain to me why anyone would purchase a LifeStrategy Fund. Because it gets the job done, and done well, with a minimum of fuss. The reason I don't understand why someone one is because it keeps a constant asset allocation. I mean the vast majority of investors are going to wan...
by bertilak
Mon Oct 13, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3427

Re: Just read All About Asset Allocation by Mr. Ferri.. Help

If I was paying someone else to manage my investments I would expect them to "do a Ferri" (or "do a Swedroe") and go for the maximum potential return -- earn that fee! When I am doing it myself, simplicity wins out. Not because I am lazy*, but as protection against future problem...
by bertilak
Mon Oct 13, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Just read All About Asset Allocation by Mr. Ferri.. Help!
Replies: 12
Views: 1338

Re: Critically Acclaimed Movies you did not like

Memento --handily. +1 for Memento . How it has a 92% on Rotten Tomatoes is beyond my comprehension. Loved the movie. Saw it on DVD. It is a movie that requires a LOT of viewer participation in the form of paying close attention and (ironically) having a good memory. I believe the unusual and convol...
by bertilak
Sun Oct 12, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 7990

Re: Clothes Dryer drying very slowly

If it is heating up OK then it is almost certainly lint buildup, as others have suggested. You need to clear out the vent pipe and where it joins the machine. This would be a great opportunity for you to purchase a borescope, as you know every home fixit issue is an excuse to buy a tool. :D (It is ...
by bertilak
Sun Oct 12, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 1924

Borescope for inspecting dryer vents and AC ducts

ANother thread Clothes Dryer drying very slowly mentioned a borescope.

I would like to get one of those! Any recommendations?
by bertilak
Sun Oct 12, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1195

Re: Do you every turn your smart phone off?

Never turn mine off under normal circumstances. I have done so occasionally to attempt debug of problems. Not sure if that ever helped. My phone does have a "blocking mode" that I have set to not bug me for anything (no noises nor flashing lights) between 10pm and 6am. The times are config...
by bertilak
Sun Oct 12, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 1887

Re: Is Probate Required?

In Texas I had to "go through probate" on the death of my mother. Since she had a will it was just a matter of standing up in front of a judge and answering a few simple questions to show that you are named as the executor and are capable of and willing to do the job. Also trustworthy, I t...
by bertilak
Sun Oct 12, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Probate Required?
Replies: 9
Views: 844

Re: Roth IRA & Dollar Cost Averaging

If you can put in $6500 this year and $6500 in each succeeding year at about the same time, you are dollar cost averaging on an annual basis, if that makes you feel better. You are investing the same amount at a fixed time interval. Some people may quibble that this isn't "the definition of do...
by bertilak
Sun Oct 12, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1161

Re: Medicare Part B Premiums same for 2015

Part B premiums are based on government's prediction of what their exposure to next year's covered health costs will be. Madigap and MA premiums are based on private sector's prediction of what their exposure to next year's covered health care costs will be.. Well that adds up nicely. If medical co...
by bertilak
Sun Oct 12, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1063

Re: Worth investing every month vs once per year? Same total

I agree that it is important to keep control of your cash flow. Investing yearly instead of monthly is a very small price to pay to maintain that stability.

Of course the above should be qualified with "in general" as it assumes there are no other complicating (or even simplifying) factors.
by bertilak
Sat Oct 11, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Worth investing every month vs once per year? Same total $
Replies: 13
Views: 1759

Re: Medicare Part B Premiums same for 2015

Part B premiums are based on government's prediction of what their exposure to next year's covered health costs will be. Madigap and MA premiums are based on private sector's prediction of what their exposure to next year's covered health care costs will be.. Well that adds up nicely. If medical co...
by bertilak
Fri Oct 10, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1063

Re: Quicken 2015 for Windows - Any reviews?

I'm generally planning to "stay the course" with Quicken 2013 until it rides off into sunset next year. That's where I'm at. Here's hoping that the 2015 will be debugged by then. (Thanks involuntary Beta testers!) BTW, I thought there were three years of support. I think I upgraded to 201...
by bertilak
Fri Oct 10, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Windows - Any reviews?
Replies: 38
Views: 3320

Re: Medicare Part B Premiums same for 2015

lululu wrote:
bertilak wrote:"The price that hospitals and pharmacies pay for a bottle of 500 tablets of doxycycline, a decades-old antibiotic, rose to $1,849 in April, from $20 in October 2013."

Yikes! :shock:
by bertilak
Fri Oct 10, 2014 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1063

Re: Medicare Part B Premiums same for 2015

Does anyone have any info on whether the Medigap Plans have changed for 2015? Does Plan F still provide the same coverage? Can't answer about Medigap plans but my Part D premium went up by 40%, in addition to increases in deductible and copay. I am eagerly awaiting Oct 15 so I can check to see if s...
by bertilak
Fri Oct 10, 2014 7:41 am
 
Forum: Investing - Theory, News & General
Topic: Medicare Part B Premiums same for 2015
Replies: 12
Views: 1063

Re: Is a fall in portfolio value "only on paper"?

I believe that in some sense it is true: a fall in portfolio value is "only on paper" . It comes from the idea expressed in the famous quote from Benjamin Graham: “In the short run, the market is a voting machine but in the long run, it is a weighing machine.” Some related thoughts: ⋅...
by bertilak
Fri Oct 10, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 3598

Re: Indoor tankless water heater recommendations

I have a Rinnai. It is rated 8.5 gsl/min which is enough for a shower with a dishwasher and washing machine all going at once. Yes, when one of the appliances kicks in the pressure changes and the temperature changes a little with that but not by enough to be a problem. No surprised screams from the...
by bertilak
Thu Oct 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1893

Re: What Book Are You Currently Reading? Part VI

Quite enjoyable and I continue to be mystified by the question of whether Fleming was writing tongue-in-cheek, or whether he truly believed in the verisimilitude of his stories. Ian Fleming worked in British Naval Intelligence during WW II and, according to Wikipedia, "was involved in the plan...
by bertilak
Thu Oct 09, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 107
Views: 6673

Re: Retirees only, what was you average investment return?

Never bothered to keep track of it. ⋅ Too many other things going on in my life at the time. ⋅ Too many changes in my investments. (Very "energetic" investment advisor trying to earn his fee!) ⋅ Too much complexity when doing active trading on my own, includin...
by bertilak
Wed Oct 08, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3329

Re: Flaws in This Reasoning About Retiring Off Dividends

My thoughts, as someone retired, align with this chart: http://i58.tinypic.com/2dvjyio.gif In summary, I think that to the degree you can live off of the green the safer you are -- lower volatility of the returns you need (not necessarily overall returns). With a dividend strategy the green becomes ...
by bertilak
Wed Oct 08, 2014 6:01 am
 
Forum: Investing - Theory, News & General
Topic: Flaws in This Reasoning About Retiring Off Dividends
Replies: 15
Views: 2547

Re: Are you a "maximizer" or a "satisficer"?

baw703916 wrote:Most of my posts assume no behavioral errors.

I wonder if that in itself is a behavioral error!
by bertilak
Tue Oct 07, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3028

Re: Are you a "maximizer" or a "satisficer"?

I think the only difference is that satisficers (why not simply "sufficers?") include their time and energy in the cost/benefit analysis, and perhaps put a higher value on their time and energy. It is a continuum, but perhaps a good way to better understand yourself. Depending on the subje...
by bertilak
Tue Oct 07, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3028

Re: Real life windfall experiences?

I've read a lot about windfalls. Curious if some of the Bogleheads have stories to share about how they treated their own and what they did well or what maybe they wouldn't do again. Ideally thinking a windfall that could have a big impact on your life, but not necessarily mean instant retirement (...
by bertilak
Tue Oct 07, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4269

Re: Third quarter review of 2014 sure things

larryswedroe wrote:http://www.cbsnews.com/news/how-2014s-sure-things-are-turning-out-so-far/

Hope you find these reviews helpful reminders

Larry

Thanks Larry!

I love these reports of yours. They sure help us keep level heads.
by bertilak
Tue Oct 07, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Third quarter review of 2014 sure things
Replies: 7
Views: 919

Re: Need Income - Wellesley Income or Wellington Fund

Hi All, I am trying to figure out which fund will give me the most income, Wellesley Income (VWIAX) or the Wellington Fund (VWENX). I like both funds and will be investing approximately $500,000 in a taxable (non-retirement) account. Because each fund compliments each other, I thought about investi...
by bertilak
Tue Oct 07, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 8
Views: 1159

Re: What type of Vanguard account to open?

You want to fill up your yearly allotment of IRA and 401(k) accounts. You probably shouldn't bother with a taxable account until you are investing more per year than will "fit" into your 401(k) and IRA(s). You can have as many IRA accounts as you want but the IRS treats them all as a singl...
by bertilak
Mon Oct 06, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What type of Vanguard account to open?
Replies: 4
Views: 478
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