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Re: Recommend a clickless mouse

I guess i didn't know people stilled use a mouse.

Anyway a touch pad doesn't have any clicks. No noise and no piece of hardware to keep track off.

How do you type without making any noise?
by derosa
Mon Jan 26, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2304

Re: Flagship financial planner advice?

Who knows how many funds were proposed? It is not clear what funds were proposed from a reading of the OP's post. What he posted was an asset allocation breakdown not a listing of funds. You mean there are people in this world that don't want to spend hours each day or week on bogleheads.org debatin...
by derosa
Mon Jan 26, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5229

Re: 4% Withdrawal Rate Question

Also look at what your life expectancy is.

You may have plenty of money 30 years from now at say age 95 with 90%+ probability.

What is the probablity that you will be around then to spend it? It won't be anywhere near 90% -- Maybe 15% or less? Hard to say.
by derosa
Sat Jan 24, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawal Rate Question
Replies: 16
Views: 2007

Re: Loss of water pressure when using hot water

type your systems into google and you should get some responses.
by derosa
Thu Jan 15, 2015 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2175

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Don't take my word for it - check out consumer reports. Dont know about san...
by derosa
Wed Jan 14, 2015 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4337

Re: How long to hang on to old documents?

If in doubt keep it. You don't have to make any decisions now.
by derosa
Tue Jan 13, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to hang on to old documents?
Replies: 10
Views: 1023

Re: Need help informing my father he is making a mistake

1. It certainly doesn't appear that advise was asked for on the part of the father. 2. His whole portfolio is not known so we have no idea where this amount fits in the larger scheme of things. 3. He has done something right to be able to retire at his age AND he is not asking you for money or to mo...
by derosa
Mon Jan 12, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4915

Re: An Excellent Article about 4% Withdrawal Rule

4% is a solid starting point. What needs to be thought of also is your spending. They go hand in hand. Be flexible. There are lots of other withdrawal schemes or programs around. They all seems to float around each other. There isn't anything with magic sauce that says you can withdraw 10% a year.
by derosa
Sat Jan 10, 2015 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: An Excellent Article about 4% Withdrawal Rule
Replies: 10
Views: 3261

Re: Medicare & medigap before age 65

Is there any reason that you can't participate in the phone calls? To insurance or to anyone really. Could easily be done on a speaker phone. Would be similar to when you participate in a medical visit with his doctors.
by derosa
Sat Jan 10, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 13
Views: 1360

Re: Emergency Road Service..........

AAA for many years. Have used flat tire changing, jump start, new battery when it wouldn't start at all, towing a couple times. Get the 100 mile tow option. You would be surprised at how short a 5 mile tow is. To get value out of it use the discounts. There are many for purchases, admissions, servic...
by derosa
Fri Jan 09, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2866

Re: At Vanguard Active beats Passive

It just shows, again, that costs matter. Morningstar showed that years ago.
by derosa
Fri Jan 09, 2015 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3594

Re: Is it speculation to use the Callan Periodic table?

Anything looking backwards of course can be data mined to find something. There are a number of these 'periodic' tables out there. You might check several to make certain that they are in agreement? See a wealth of common sense from 1/2/15 for another take on a table. The tables all show relative va...
by derosa
Thu Jan 08, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Is it speculation to use the Callan Periodic table?
Replies: 35
Views: 3518

Re: Is my HVAC (heat pump) really dead?

I was going to say your home inspection should have covered this. I was going to suggest getting an hvac person to come out. But your post seems to say that you already had one look at the system? Have you had an hvac company out there to inspect it? Generally heat pumps are for warmer areas. The pr...
by derosa
Thu Jan 08, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 3050

Re: Remind me: why am I holding VG's longer-term TIPS fund?

tips are for "unexpected" inflation. I don't think anyone expects inflation for years.
by derosa
Thu Jan 08, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3420

Re: Google takes invasiveness to a new level

From the brief and incomplete piece of information provided about what they want - it appears that they just want one copy of something in each of the two catagories - not everything in both lists. So two documents that you choose from the list. And you may be right that they aren't sure who you are...
by derosa
Sun Jan 04, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3328

Re: Unemployment Insurance Questions

OP doesn't provide enough info to accurately comment on. As pointed out he may be a contract / self employed worker and therefore gets a 1099. Businesses are supposed to pay unemployment taxes. This is not something that comes out of the employee's pay. If they don't pay then there is no money to pa...
by derosa
Sun Jan 04, 2015 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Unemployment Insurance Questions
Replies: 8
Views: 674

Re: Another Edward Jones Debacle

Do you have power of attorney over her and her investments? That is not clear. Hard to know what she and her husband's thinking was when this was setup. So comments about that are simply hearsay. Seems like you should be in touch with her FA to learn about the background and why certain funds and al...
by derosa
Sat Jan 03, 2015 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones Debacle
Replies: 17
Views: 2742

Re: Help! Capital Gains on a Mutual Fund??? Tax Question

You did what is generally known as buying a dividend. Although a few months lead time like this really isn't buying the dividend. YOu have to buy some time, don't you? The classic situation is where people wait until just a few days before ex-dividend date to make the purchase. Then they really are ...
by derosa
Sat Jan 03, 2015 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Capital Gains on a Mutual Fund??? Tax Question
Replies: 13
Views: 1412

Re: Car Recommendations for about 25k

honda accord ex cvt can be out the door for 25 or less.
by derosa
Thu Jan 01, 2015 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5256

Re: question about 1099 salary

Lots of discussion about taxes. Let's talk business expenses and deductions. As a self employed person you should be tracking every cent that you spend that is related to your job. Hard to tell exactly what your job is and where you work. Regardless anything related to that business is a deduction. ...
by derosa
Wed Dec 31, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about 1099 salary
Replies: 18
Views: 1305

Re: Water heater

Any money you might remotely 'save' would be measured in cents and not $$$. Remember when you are using the water up - new water is coming in. You are paying for that new water on your meter - again cents. And you are paying for that new water as well on sewer/stormwater. This is all pennies. Don't ...
by derosa
Sun Dec 28, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Water heater
Replies: 16
Views: 2125

Re: Need help with trust problem, huge tax bill possible (CA

Hard to say what options there might or might not be without very specific, concrete information about what is and what is not in trust, etc. A lot of this post is, to put it politely, hearsay. From what i read you don't have an interest in or a stake in this trust - that would be no standing. At a ...
by derosa
Sat Dec 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with trust problem, huge tax bill possible (CA)
Replies: 8
Views: 1371

Re: Bucket question

Just keep treating it like you have been for years.

YOu didn't do anything different, treat it special, because it was deferred. Now it is not deferred and you actually have it in your hands. But that doesn't mean it needs special treatment or isolation.
by derosa
Sat Dec 27, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bucket question
Replies: 23
Views: 2496

Re: Failing Entrepreneur ... need advice

Entrepreneurs fail all the time. They quit / walk away all the time. It doesn't work out.... If it was easy being an entrepreneur everyone would do it. Its time to do something else. No one is going to be any happier 6 months or one year from now when you leave. Employees are always the last to know...
by derosa
Fri Dec 26, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Failing Entrepreneur ... need advice
Replies: 23
Views: 3028

Re: Advice re cashing in life insurance policy in estate

Cash it out now, pay taxes (if any), split 3 ways and - voila - its all over and done with. No one ever thinks about it again - its history. This is another one of those posts where there is a huge amount of time trying to squeeze any and all nickels out of a scenerio. With no thought of the human e...
by derosa
Thu Dec 25, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice re cashing in life insurance policy in estate
Replies: 25
Views: 1276

Re: I failed SS login

YOu don't have to call to have a password changed or reset. YOu just do it right there and it takes at least 30 seconds to do it.

Clearly there was something else involved in that posters's situation.
by derosa
Wed Dec 24, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 3411

Re: Dentist Bill from 2011

Gee - Some "issue" - If only you had taken a fraction of the energy spent on this "issue" to call the office up and Politely ask them about it. "Hey I just got a bill from you for work a couple years ago. WHats up?" Then this would have been resolved in one simple phone...
by derosa
Wed Dec 24, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3823

Re: How do you track your retirement plans?

I have used the same basic excel spreadsheet form for about 20 years. It finally grew to two pages since i wanted equity breakouts by size and international. I also wanted at a glance allocation breakouts by equity/bond/cash/reit at a glance. I mean this is real simple. At the end of each month i ju...
by derosa
Mon Dec 22, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you track your retirement plans?
Replies: 9
Views: 1481

Re: Reinvest Dividends (safely)

This post just screams complexity and confusion. I'm sorry I don't even understand the need for all this. Manually reinvesting dividends? Automatically reinvested dividends for over 30 years. That's what i pay Vanguard to do. Have never done any tax loss harvesting. I think i rebalanced a couple of ...
by derosa
Sat Dec 20, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends (safely)
Replies: 22
Views: 2137

Re: Help me understand taxes with non-retirement accounts

Keep in mind that no one is providing any tax advice. That this is all just a discussion. We have no idea if what has been written here is the complete story. You cannot go to the irs and say i was told on this internet disucssion board that this is what i had to do. I would strongly encourage you t...
by derosa
Fri Dec 19, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 29
Views: 2641

Re: Stolen car recovered, need a plan

I don't know about all places that will come pick it up but many want the car to be driveable. No battery, no igniation - doesn't sound driveable.
by derosa
Fri Dec 19, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 27
Views: 3170

Re: security camera outside away from a power source

The grainy blurrly dark image that you will get will include the following - truck, stuff piled in back of it followed a couple minutes later by a truck with nothing in the back. And that won't be of any help to anyone period. You won't get a license plate or face. You proably won't even be able to ...
by derosa
Sat Dec 13, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: security camera outside away from a power source
Replies: 18
Views: 1751

Re: What is a move-up car after mid-size sedan?

This is the type of topic & question that if you have to ask - the answer won't help you.
by derosa
Sat Dec 13, 2014 8:41 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4167

Re: Uneven Home Heating. Can I Adjust Furnace Valves?

Not to pick a point but this is a financial forum not a plumbing one. So consider the sources. Ask you neighbors for plumber contacts as well as whether they have done something like this. Call a plumber and make it clear you want a tune up and training. Get the name of the manufacturer of your syst...
by derosa
Wed Dec 10, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Uneven Home Heating. Can I Adjust Furnace Valves?
Replies: 22
Views: 2011

Re: Girlfriend with a LOT of Student debt.

There are many reasons not to continue a relationship with someone. And the reason(s) only have to make sense to you. It can be a deal breaker to smoke, drink, have blonde hair, snore, chew with your mouth open, have fish for a pet, etc - you get the point. You clearly don't want to be in this relat...
by derosa
Mon Nov 24, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13772

Re: Trapped deciding between 2 Jobs: Can I renege on my offe

Keep talking with both. If A does in fact offer you something part of that negotiation is starting date. Try it out. If later B does in fact offer something, while working at A, and you like it then you can take it. Its a fast paced world right? Hey its a startup, its entry level, its contract and i...
by derosa
Wed Nov 19, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trapped deciding between 2 Jobs: Can I renege on my offer?
Replies: 36
Views: 5404

Re: Home Equity Loan Interest Paymant Calculation

What did they say when you called them and asked about how payments are processed?

So far everything in this post is mere speculation.
by derosa
Wed Nov 12, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loan Interest Paymant Calculation
Replies: 6
Views: 418

Re: Attend new car "launch event" for free meal?

Since it is a buffet you can come and go at any time, right? So go have some lunch, something to drink, look at new cars and then leave.

The vast majority of people attending will not be buying anything of course.
by derosa
Sat Nov 08, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Attend new car "launch event" for free meal?
Replies: 10
Views: 892

Re: Pension lump sum offer - am I thinking clearly?

Take the money and don't look back. No i haven't calculated the utility of this out to the 3rd decimal point. I have not idea who you are but you are clearly a reasonable, careful and responsible person. We know that because you are here asking the question. We know you won't spend it in a weekend i...
by derosa
Thu Nov 06, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2562

Re: Primary Doc Steering to Specialist Within Own Group

Not sure i see anything nefarious in the PCP's behavior. Almost anyone in any business/industry will recommend people that they know and work with - this is not a medical thing. They know certain people and are comfortable with them and know what they can/will do. If you respect your PCP why wouldn'...
by derosa
Thu Oct 30, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primary Doc Steering to Specialist Within Own Group
Replies: 31
Views: 2541

Re: Pension Early Buyout Offer

Put it in your pocket as opposed to keeping it in the company's pocket. I think you were taking it too literally. An ira, as mentioned, would be one option for a pocket of course. Who knows what could happen to mega company in 20 years? Who knows what could happen to the OP and family in 20 years?
by derosa
Tue Oct 28, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 2044

Re: Pension Early Buyout Offer

Take the cash now. Put it in your pocket. You can do what you want with it. Or you can leave it there and spend the next 25 years wondering if it will be there? And hope nothing goes wrong with the company, etc etc. I am sure it is insured of course. But it is in someone else's pocket. You don't wor...
by derosa
Tue Oct 28, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 2044

Re: 401k is a mess of managed & index funds, seeking help

The 401k shouldn't be looked at just by itself. I don't think i see anything in your post that mentions other, taxable, money?
by derosa
Thu Oct 23, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 715

Re: "Individual Retirement Annuity", Dump or what?

When assisting someone please don't assume anything. Get all the paperwork that you have about this old employer and review it with your mother. You may have to talk about it several times and ask about it in different ways to get the whole story. Once you and your mother have a reasonable idea of w...
by derosa
Mon Oct 20, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Individual Retirement Annuity", Dump or what?
Replies: 9
Views: 646

Re: Question about stocks and taxes

As I understand your example - You own shares of A. A and B get together and create a brand new C. A and B don't exist anymore. In that process you would get a very specific number of shares in C based on how many shares of A you owned. There is no tax liability for you in this situation. IF A bough...
by derosa
Wed Oct 15, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about stocks and taxes
Replies: 4
Views: 547

Re: Crazy asset-based fees in my 401K!

Since the OP is a doc you might want to take a look at whitecoatinvestor.com

From one doctor to another.
by derosa
Wed Oct 15, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2674

Re: Max out Roth IRA or pay student loans faster?

Get the match - that is free money. Paying off your 6.8% loans is guaranteed return. Hard to get that return anywhere else today. 10 year treasuries under 2%? Oh yeah - The student loan is never going away until you pay it off. So you might as well pay it off. How about a rich spouse in the future?
by derosa
Wed Oct 15, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Max out Roth IRA or pay student loans faster?
Replies: 8
Views: 762

Re: Computer codes availability at indep. repair garages?

Seems very high to me for just an oil change as you say. For their own business they want to take five minutes and check other stuff since that might lead to additional business in the future if not then. The environment charge is standard and seems to be about a few bucks so that doesn't seem out o...
by derosa
Mon Oct 13, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 42
Views: 1988

Re: Help me not thinking about getting a brand new car

20,000 miles a year is a lot of miles per year. That is a lot of driving and someone doing that kind of driving is probably not babying it. Are they changing the oil? - have them prove it.

For a 2 year old car you would want something with closer to 20,000 miles total.
by derosa
Mon Oct 13, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 1003

Re: Sale of house-closing tomorrow, buyer is backing out

Every sales person loses sales. The challenge is that you are only selling something maybe a couple times in your lifetime. Salesmen lose sales every week.

The only answer is "Next!"

Shut the door, relist and go on.
by derosa
Mon Oct 13, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5425
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