Search found 766 matches

by gd
Fri Jul 03, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 2776

Re: Buying a new desktop computer

Just get whatever from Dell again, or go to the bigbox and see what they have on sale that day. Don't buy a laptop, chromewhatever, or Mac unless you understand what that will do to *all* your computer useage. My fairly late model iPad, for the record, "just doesn't work". OS bloat, browse...
by gd
Fri Jul 03, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 125
Views: 6173

Re: Obsessing towards zero balance on credit card.

Spirit Rider wrote:Finally, Bogleheads need to get some hobbies.

Different hobbies.
by gd
Wed Jul 01, 2015 7:06 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 6622

Re: I'm Giving Up Golf

Jazztonight wrote:"Golf is a good walk spoiled." Mark Twain
!


Take up internet fussing! Useful rule of thumb: Lincoln, Twain and Einstein never said most of the internet quotes attributed to them.

http://quoteinvestigator.com/2010/05/28/golf-good-walk/
by gd
Tue Jun 23, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Natural Gas Heated Home w/o Flue?
Replies: 17
Views: 1863

Re: Natural Gas Heated Home w/o Flue?

Local building codes should require specific inlet and outlet heights based on regional snow levels, and clearances from construction such as windows and driveways. New construction should certainly meet local codes, older construction is much more problematic and should be considered in a home insp...
by gd
Sat Jun 20, 2015 6:19 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6147

Re: Most Beautiful Nature Destinations

I've seen maybe half the destinations listed, and one thing that strikes me is that the ones that I dwell on most decades later are as much circumstances as spectacle. Unexpectedly coming across a dramatic view in the middle of nowhere on a solo bicycle trip is more memorable than a crowded overlook...
by gd
Thu Jun 11, 2015 7:07 am
Forum: Personal Consumer Issues
Topic: flip phone vs smartphone
Replies: 35
Views: 3383

Re: flip phone vs smartphone

Since you asked, our 4 dumb phones have/had significantly better sound quality, and possibly signal than our two Moto Gs. They are significantly easier to make and receive phone calls with by two technology-adverse users and one occasional user (me), to the point that the tech-adverse users use thei...
by gd
Tue Jun 09, 2015 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Stingy Senior Citizens
Replies: 14
Views: 2120

Re: Stingy Senior Citizens

Elderly homeowners often have cash flow issues-- long-paid-for house, but property tax and maintenance bills eating up their funds. It's common around my region for people in towns that have shifted upscale to have to sell out because they can't afford their house any more, after living there and co...
by gd
Sat Jun 06, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: Paypal and robocalls & texts
Replies: 7
Views: 663

Re: Paypal and robocalls & texts

I haven't found companies engaging in robocalling to be particularly scrupulous about following rules, but let's assume they are and only people with overdue Paypal bills are involved. Paypal contracts with Rachel's company to collect debts, and that company happens to also have a profitable busines...
by gd
Fri Jun 05, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Paypal and robocalls & texts
Replies: 7
Views: 663

Paypal and robocalls & texts

Wonder why you get so many robocalls from Rachel to consolidate your debt? Here's one possibility. I'd speculate that a "paypal affiliate" might be... pretty much anyone using paypal? Note, by the way, that they are even allowed to hunt down your number on their own, even if you don't expl...
by gd
Wed Jun 03, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9814

Re: Free Windows 10 Upgrade, Yes or No?

The logic behind this was that fewer and fewer PCs shipped with DVD drives (and those that did, few people use the PC to watch movies) but Microsoft still had to pay license fees on the codec for every copy sold. By decoupling it, the minority who actually need it could buy it rather than have it b...
by gd
Tue Jun 02, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9814

Re: Free Windows 10 Upgrade, Yes or No?

Not a complete thread hijack, this is what you do if you don't want to be nagged about it until you assimilate. Note that if you uninstall the "upgrade" that allows Microsoft to shove the upgrade nag in your face, it'll keep coming back as a windows upgrade unless (apparently, I haven't tr...
by gd
Tue Jun 02, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9814

Re: Free Windows 10 Upgrade, Yes or No?

FYI 6 Features Disappearing in Windows 10 (and How to Replace Them) http://www.pcmag.com/article2/0,2817,2485170,00.asp Ever Ready I can imagine how a bubble-dwelling management group would remove solitare as being beneath them and not in style. But not having a built-in DVD player is remarkable. A...
by gd
Mon Jun 01, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6208

Re: Which grocery stores do you shop at and why?

Spouse drives a bit to local chain Market Basket (recently in national news for employees sticking up for good owner during power struggle), I used to go to ratty old local Hannaford (another regional?) that just closed down because it wasn't upscale enough to compete with the new stores, or cheap e...
by gd
Sun May 31, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3286

Re: Ethics over income?

Be honest and forthright with the people who report to you. And neutral. It sounds like they're the ones who should be looking for new jobs, initially at least.
by gd
Sun May 31, 2015 5:37 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 2878

Re: All-in-one Printer Recommendation

"all-in-one" generally implies fax, which most people don't use any more. 3-in-1 will get you a clean, easy to use printer with an on button and a small screen-- throw in a fax and they become office equipment with instrument panels. I'm quite happy with my simple HP Envy 5530. I disable c...
by gd
Sat May 30, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: sandblasting exterior shingles
Replies: 4
Views: 466

Re: sandblasting exterior shingles

I'd bet the SW guy was right, although you might be able to find a really good primer that would handle a poor surface. Definitely try to figure out the absolute best primer for the circumstances, regardless. I know people say water-based is now as good as oil; I don't believe it. I'd speculate the ...
by gd
Fri May 29, 2015 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Anyone changed careers after building required nest egg?
Replies: 13
Views: 2436

Re: Anyone changed careers after building required nest egg?

Yes, with somewhat different circumstances, of course. This is almost solely what I consider my money is for-- security and lifestyle freedom. My personal rule of thumb: if I can visualize being in the nursing home thinking "crap, I wish I'd done that", I try to do it. I'd rather regret so...
by gd
Fri May 29, 2015 5:19 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 6197

Re: Still make sense to have AAA membership?

Like personal finance and investments, depends on you. My AAA junkmail goes straight into the trash unopened. My elderly father has used roadside assistance to great benefit recently.
by gd
Tue May 12, 2015 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 4616

Re: Should we purchase home without permits?

In my town your property tax assessment would change. They send people around occasionally to look for such things, there doesn't seem to be an automatic mechanism. Permits for doing construction work aren't necessarily the same as being allowed to, say, have an in-law apartment. I doubt someone wil...
by gd
Sun May 10, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Variable Annuity
Replies: 26
Views: 2545

Re: Vanguard Variable Annuity

I bought my financially-illiterate and disinterested spouse one years ago, and neither know nor care how it compares with everything else as an investment. The point was to tax-shelter some cash years ago and mostly to diversify late-life financial assets. The plan has always been that if I disappea...
by gd
Sat May 09, 2015 5:22 am
Forum: Personal Consumer Issues
Topic: How Does My Kindle Case Work?
Replies: 11
Views: 866

Re: How Does My Kindle Case Work?

Yes, but.
...magnets, how do they work?


Guessing lots of old people here, if I'm the first one on that line.
by gd
Fri May 08, 2015 6:08 am
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 2476

Re: What to do with mink coat

It's an interesting and educational exercise in adjusting expectations of value to reality. I gave one to a local wildlife rehabilitator for bedding, another didn't want them for the animals she used due to the dangerously long hair in them for the tiny babies she rehabbed, but referred me to coatsf...
by gd
Wed May 06, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2718

Re: Neighbor wants to excavate shallow water hole common to both properties

My limited experience with guys who operate heavy equipment is that they often like controlling stuff, and sometimes consider it a point of honor to thumb their nose at treehuggers. Tread carefully, particularly if you are thinking about using his driveway. Half my lot is a state-certified wetlands;...
by gd
Sat May 02, 2015 6:20 am
Forum: Investing - Theory, News & General
Topic: Annuities: Bad in principle or practice?
Replies: 75
Views: 4429

Re: Annuities: Bad in principle or practice?

Are variable and indexed annuities inherently unfavorable to individual investors, or is it the standard industry practices that make them bad? The latter suggests that changes in implementation could make them good choices for individual investors. For some perspective, I think the same thing abou...
by gd
Fri May 01, 2015 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting While in 15% Bracket?
Replies: 21
Views: 1832

Re: Tax Gain Harvesting While in 15% Bracket?

As noted above, you'd better research the repurchase restrictions. If nowhere else, when you move to sell it they'll give you a warning about repurchases. When you churn your account, all of us subsidize the administrative costs. You may need to repurchase it beforehand, as suggested above, or by mo...
by gd
Tue Apr 28, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 3141

Re: Prepping a house for sale: What are the priorities?

... Tylex is your friend, too. So I have some grubby tiles too and googled this: "Tylex is an international brand name for the combination of acetaminophen and codeine, and is used to relieve moderate to severe pain" Well, I guess it makes sense in a way... but I think tilex would work be...
by gd
Tue Apr 28, 2015 5:56 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 4031

Re: How far away from a freight railroad track should you li

Everyone's reaction will be different, and your tolerance over time will also vary, depending on your attitude. Do not assume you will grow to never notice it, you may find it gets under your skin over time. Use your past experience with things like noisy neighbors or officemates, and other night no...
by gd
Sat Apr 25, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 3086

Re: Taxes are killing me

We even claim 0 deductions and we still owe in Federal taxes. This suggests you might want to adjust your cash flow to make it less stressful. When your circumstances make W2 withholding inadequate, you are required to make estimated payments up to what you think your tax liability will be. That al...
by gd
Fri Apr 24, 2015 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Approach to Second Act Career Switch
Replies: 22
Views: 2437

Re: Approach to Second Act Career Switch

Burning out on my second, have retired for a while, considering my options for a possible third. We'd need more information about your occupational options and interests. If you have interests and skills leading to an obvious alternative that's one thing, no applicable outside interests is another m...
by gd
Fri Apr 24, 2015 6:40 am
Forum: Personal Consumer Issues
Topic: Living in New Hampshire?
Replies: 35
Views: 2792

Re: Living in New Hampshire?

Haven't read the thread carefully, but after the last OP post, glance at Peterborough. Last time I was there an old friend took us to watch Tibetian monks do a sand mandala. Her neighbor used to take his goat for a walk on a leash. Don't commute to Boston unless you like spending time in your car. R...
by gd
Fri Apr 24, 2015 6:00 am
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 2049

Re: Adequate alternatives to TurboTax?

The product everyone loves to hate. I find TurboTax has improved in the last few years for unusual foreign income situations, particularly after I found the obscure undocumented checkbox that forces F1116. Also, their slightly superior interview saved me a *lot* of money on a really dumb mistake I w...
by gd
Wed Apr 22, 2015 6:46 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 12246

Re: How much do you pay in Property Taxes?

they have socialized garbage collection :D :D :D :D :D That's a new one on me. Trying to figure this out. Is my town water socialized? What about the fire department? :D :D :D :D :D Don't know what R. means, but one of my favorite local tax stories. Water, no, you pay per use. Fire department? youb...
by gd
Tue Apr 21, 2015 6:12 am
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 2097

Re: Roof shingle selection

Thanks for the replies, for several reasons we're doing a side extension first, and most likely the main roof in a year or two when we catch our breath. They don't match now in exact shade and condition, so not too worried about a year or two mismatch. No unusual wind/hail conditions. We're having a...
by gd
Mon Apr 20, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Roof shingle selection
Replies: 20
Views: 2097

Roof shingle selection

Curious if anyone can offer opinions-- I'm having some house renovation done, and am having the builder completely reroof the section they'll be working on a piece of. He proposes a roof shingle brand (IKO) with a class action lawsuit about a specific product we are NOT using (organic felt base). Br...
by gd
Mon Apr 20, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 49
Views: 9064

Re: Still having a hard time on retiring

Jobs can provide structure and sense of worth or community, as well as money. That matters to some and not to others, depending on your personality and life outside the job. Hobbies might be solitary refuges not sufficient by themselves, or the sense of being needed or an expert at your job might be...
by gd
Sun Apr 19, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Temporal autocorrelation of stock/fund prices and movement
Replies: 30
Views: 1635

Re: Temporal autocorrelation of stock/fund prices and moveme

If it worked, whoever was using it would essentially be re-randomizing the market by using it, extracting out the signal by their market transactions until it was back to random noise-- the statistical version of "already priced in". There's a few billion PCs in the world easily capable of...
by gd
Fri Apr 17, 2015 6:40 am
Forum: Investing - Help with Personal Investments
Topic: How to invest with Euros?
Replies: 7
Views: 671

Re: How to invest with Euros?

1) I'd start with what *can* he invest in, based on his residency and citizenship circumstances. 2) I suspect you'll find that in the end, the currency rates make all other factors secondary. I have trouble worrying about 1% when month-to-month random variation is 10%, YMMV. http://www.xe.com/curren...
by gd
Tue Apr 14, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11225

Re: Neighbor hired a surveyor. Should I be nervous?

Having just paid thousands of dollars in surveyor and lawyer fees to have a mis-surveyed property line amicably resolved with a neighbor whose family screwed up both properties 80 years ago, I don't think you have anything to worry about. The fence was properly positioned slightly on your neighbor's...
by gd
Sat Apr 11, 2015 6:08 am
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 8163

Re: Hypothetical End Game Scenario w/ 5M retirement account

To the OP-- If I was you I'd be feeling somewhat bruised at this point, possibly including from my response. I believe you do have a real problem; I have it myself an order of magnitude less. It's just a first-world, .1%er problem, so you'll get some flak. You've got to work to reprogram your emotio...
by gd
Fri Apr 10, 2015 6:35 am
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 2345

Re: Can anyone recommend a good low cost generator?

My usual contribution to generator threads: My neighbor put in a standard Home Depot-issue Generac, natural gas. It is astonishingly loud, like a commercial lawn mower or large snow thrower. I hear it immediately anywhere in my house when it comes on automatically once a week. I doubt I have ever NO...
by gd
Fri Apr 10, 2015 1:51 am
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 8163

Re: Hypothetical End Game Scenario w/ 5M retirement account

If you can find some psychiatric help that will help you dealing with your money without solving the problem by simply taking it all, that would be one approach. Another would be to ease into the concept of loosening up the purse strings and lifestyle gradually and on your own. Perhaps come up with ...
by gd
Sat Apr 04, 2015 6:51 am
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 4615

Re: Buy riding mower or hire service to cut grass?

Walk-behind lawnmower, maybe self propelled, for you and your kids. You save on the lawn service, you save on the exercise equipment/gym membership, you save on the eventual medical bills resulting from inactivity, you save on whatever occurs in your later years from your kids being more capable bec...
by gd
Sat Apr 04, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2973

Re: Gearing up for big replacement windows project

Can any construction members here comment on this: We have 40 yr old original windows. True divided light 9 over 9 we've done all the weatherstripping we could but bc of all the individual panes, there is still air leakage, frost on the inside of the storm windows, ect. I've also heard installing h...
by gd
Thu Apr 02, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 6764

Re: Letter from Lawyer to enter my property to construct roa

My state (MA), at least my county, has all deeds searchable on line. As far as I know, I can pull up all the legally-filed deeds and associated paperwork for my and my neighbor's properties back about 50 years in a few minutes. That said, I just had a deed issue resolved and the lawyer charged a tho...
by gd
Tue Mar 31, 2015 6:25 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9635

Re: Did you learn anything from 2008?

I learned to trust my common sense and pay attention to specific financial/economist public figures who most accurately analyzed circumstances before, during, and since.
by gd
Sat Mar 28, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 fails to update euro rate
Replies: 0
Views: 151

Quicken 2015 fails to update euro rate

I have Quicken 2015 accounts in dollars and euros. When I first started using it, I believe Quicken 2015 was updating the euro-dollar exchange rate, but it does not now. Other currencies are updated. So for example I can manually edit both euro:dollar and any other currency:dollar to 1:1, update, an...
by gd
Fri Mar 27, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 828
Views: 138892

Re: What Book Are You Currently Reading? Part VI

E.O. Wilson's Life On Earth intro biology textbook done as an iPad app, thanks to whoever mentioned it on the "reading textbooks" thread. It's a masterpiece, and the first textbook I've seen in decades that didn't infuriate me with overproduced bloviating. And free. Anyone who considers th...
by gd
Wed Mar 25, 2015 7:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6965

Re: Vanguard HealthCare Fund

What's not to like? LTCG. Bought it taxable decades ago before I cared much, and it blows out my low-cash-flow-low-tax-bracket planning every year. It's a good problem to have, but a problem. To me, "sector" means mostly an investment area that ebbs and flows with economic conditions. The...
by gd
Mon Mar 23, 2015 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2793

Re: Buying a house that had a Dog

I've lived in >20 places in my life, mostly rentals, and I will say flatly I have *never* lived somewhere there was not visible damage from pets, other than newish rentals that banned pets since new. Scratched and chewed doors and windowsills, floors, stained floors, rugs, smells, whatever. This is ...

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