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Re: Do you use a phone book?

Rarely, but it is a net loss. Other than the mobility of a smartphone, the internet does not provide the same utility that phone books had 20 years ago. The physical medium of a few pages of paper containing all available information is simply more effective to visually scan. Internet information is...
by gd
Mon Nov 24, 2014 7:29 am
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2094

Re: What would be the investing strategy for a coming crash?

Supposing that an investor did believe a major crash was coming within the next 2 years, what would be the proper course of action for him? Invest in educating yourself about why you think there is going to be a crash, and how your reasons compare with historical circumstances and what the outcomes...
by gd
Sat Nov 22, 2014 8:00 am
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 81
Views: 6646

Re: Where can I go to get a signature guarantee or Medallion

My small local bank (5-6 branches) does it, although their liability insurance recently limited the amount. When I had a large transaction, we just broke it into two that both met the limit and did them at the same time(!). I switched to this bank from BoA years ago, and haven't once regretted it. L...
by gd
Fri Nov 21, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 34
Views: 3143

Do freecyclers resell?

People here seem tapped into more cultural phenomena than me, so a question-- anyone know if it is common for people to harvest stuff off of freecycle-type sites to resell? In theory it shouldn't matter to me if someone resells something that I choose not to bother with as long as it eventually gets...
by gd
Wed Nov 19, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 1673

Re: Vague deliverables & costs on lawyer's retainer

We've talked to 3 lawyers. The first didn't appear to have any awareness of several aspects, such as planning board approval and title searches, just proposing to file the deeds. The second referred us to the third, who in fact did my house closing and a will years ago. It would be nice, and seems q...
by gd
Sun Nov 16, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Vague deliverables & costs on lawyer's retainer
Replies: 3
Views: 571

Vague deliverables & costs on lawyer's retainer

My neighbor and I have a property line discrepancy that we have come to a friendly resolution of. We've surveyed the line, have new deed descriptions prepared, and need a lawyer to do whatever is needed to formalize the new deeds (preparing and filing deeds, possibly record the discrepancy and resol...
by gd
Sun Nov 16, 2014 7:33 am
 
Forum: Personal Consumer Issues
Topic: Vague deliverables & costs on lawyer's retainer
Replies: 3
Views: 571

Re: Dealing with pressure for "social donations" at work

The times I've had feelings of "this sucks and is deeply wrong" about the way a company works, and then stuck around, it's always turned out to be a poor decision. Companies are like individuals in that they have company cultures that, in their own way, resemble personalities. When you sta...
by gd
Fri Nov 14, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 9283

Re: Questions about flying with a toddler

An unsecured child in an adult's lap in an aircraft will be a projectile in the event of severe turbulence or crash. So if you think aircraft seat belts are a reasonable precaution for you, you should be giving your child the same precaution. And, for that matter, the other passengers around you who...
by gd
Tue Nov 11, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Questions about flying with a toddler
Replies: 35
Views: 1895

Re: Which Tablet?

could you give some idea what is missing in the Android world?? I speculate that if you don't know, it doesn't matter. Not snark-- for example I have a specialized subscription-based iPad app I use daily that isn't available in Android. Other hobbyist-developed free apps that do similar functions (...
by gd
Tue Nov 11, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: Which Tablet?
Replies: 24
Views: 1760

Re: Retiring Parents Set in Risky Ways

During one of your annual discussions you could perhaps point out that it is actually in *your* interest for them to diversify, pay capital gains, and put your remaining tax-ravaged (if that's what you call 15%...) future inheritance somewhere else so that *you* don't need to worry about losing your...
by gd
Tue Nov 11, 2014 6:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 4341

Re: Shoes for the Garden

Muck boots from Walmart. They have a brown rubber model with an aggressive tread that works well for yard work if you don't mind looking goofy mid-summer. It tends to split in the back after several years of on/off several times a day, but can be patched. Slips on and off easily for when I'm going i...
by gd
Tue Nov 04, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for the Garden
Replies: 23
Views: 1587

Re: I bought this new mattress….

I think what she meant was "give it a few days and you'll get used to it enough so that further complaints won't be worth the trouble to you and I won't have to deal with it". Not meant to say, just meant.
by gd
Tue Nov 04, 2014 5:41 am
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2230

Re: The Euro-Boglehead way of Bonds

I assume some of the posters are keeping assets overseas, but at least some of the discussion seems to be oriented towards usa/euro investing. Just curious how you all reconcile the currency volatility in any discussion of bonds. I have assets in euros, and pretty much view any exchange rate change ...
by gd
Sun Nov 02, 2014 5:59 am
 
Forum: Investing - Theory, News & General
Topic: The Euro-Boglehead way of Bonds
Replies: 24
Views: 2270

Re: testing cell phone coverage with discarded cell phones

OP here. I'm not looking to count bars, I'm looking for *any* signal. I'd forgotten or not known Sprint and Virgin Mobile were the same physical network; too bad, Ting was my wildcard. Verizon seems to have unattractive prepaid, so my test goal seems unnecessary-- ATT or Republic Wireless. Thanks fo...
by gd
Fri Oct 31, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: testing cell phone coverage with discarded cell phones
Replies: 13
Views: 819

testing cell phone coverage with discarded cell phones

I have very marginal cell phone coverage in my house; our prepaid T-Mobile and Virgin Mobile are useless, a visitor's ATT seems to work, unsure about Verizon and Sprint. Coverage maps are of no value. It is awkward to hunt down someone with those services and have them survey our house. Has anyone e...
by gd
Fri Oct 31, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: testing cell phone coverage with discarded cell phones
Replies: 13
Views: 819

Re: Why choose a LifeStrategy Fund?

Not everyone *knows* they'll be more conservative as they get older. For example, there's advice out there to ramp up your risk to build up a neglected retirement. One might also weight their AA by not just age, but amount. As I get older I'd go more bonds, but as I get wealthier I need the security...
by gd
Sat Oct 11, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3805

Re: When people put all their eggs in the wrong basket

There are baskets, and there are baskets. Putting your life savings in a single niche company whose stock price is mostly dependent on the whims and largesse of Apple? People don't change their spots all that quickly, it'd be interesting to know their prior history of trading and investing.
by gd
Wed Oct 08, 2014 7:38 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28960

Re: Oatmeal suggestions

Tbsp toasted wheat germ.
by gd
Fri Oct 03, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 145
Views: 11041

Re: Motley fool?

As I recall, they had some non-standard attitudes and recommendations for investing back in the pre-internet compuserve/aol online service days. Anyone without a full-service brokerage and an account executive handling your money and telling you what to do was pretty adventurous. I recall they prese...
by gd
Fri Oct 03, 2014 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Motley fool?
Replies: 16
Views: 2004

Re: It's pretty freaky watching your stocks go up & down all

My financial peace of mind increased quite a bit when I let my Quicken automatic updates expire after 3 years. Instead of updating it several times a day, now at the end of each month I spend 1/2 hour updating everything by hand, glance at any trends, look at my net worth for amusement, and that's i...
by gd
Fri Sep 26, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5915

Re: Investing in Europe

2008 was a long time ago with a lot of underlying stuff happening that isn't likely to repeat, and most likely a lot of new stuff going to happen that I certainly can't foresee. In addition to once-in-a-lifetime financial situations, you've got once-in-a-lifetime political/monetary circumstances in ...
by gd
Thu Sep 25, 2014 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Investing in Europe
Replies: 4
Views: 446

Re: Norwegian Airlines

I recently booked lowest-fare seats on Lufthansa transatlantic and had to pay $35/seat to get a seat reservation more than 24 hours before the flight, so not just the bottom-feeders any more. The flights are always full, so I would not expect to get 2 seats together if I don't pay $70 more per leg. ...
by gd
Wed Sep 24, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 2057

Re: How to clean an acrylic tub?

Sponge with a soft net or mesh cover helps. It provides enough abrasion to remove stuff, not hard enough to scratch. Conventional plastic scouring pad, either the balls or flat pads, will not be safe. I use any liquid cleaner (think Mr. Clean) with it, straight or fairly strong.
by gd
Tue Sep 23, 2014 6:52 am
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1302

Re: Tiny house movement.

Why not just try it out? Empty out all the rooms where you live now except 500 sq ft, block off the space or lock the doors to prevent cheating, and see what happens. Anything you don't want to discard until you commit goes into a locked room and is inaccessible. It might not be totally realistic, b...
by gd
Tue Sep 16, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4311

Re: Strange Billing Practice by Medical Provider

Are you within a deductible, thus liable for the full bill? That would make sense, yes? Except as you said, you would not accumulate any credit to the deductible, to your detriment. I once had a doctor who spent more time complaining about insurance paperwork than treating me, and might have taken s...
by gd
Tue Sep 16, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2895

Re: Strong dollar = tilt international?

Your question dipped into the mechanics before AA tilting. I would tread carefully here. I watch the euro, and my impression is that the short term euro rate-- you did write "suddenly"-- is pretty much knee-jerk trading activity. Someone somewhere always has a compelling, reasonable explan...
by gd
Sat Sep 13, 2014 7:19 am
 
Forum: Investing - Theory, News & General
Topic: Strong dollar = tilt international?
Replies: 15
Views: 1528

Re: Neighborhood kid around 13 throwing rocks at my house

The kid has some emotional problems, like pretty much every 13-year-old on the planet. It's manifesting itself by odd little antisocial behaviors. Like pretty much every 13-year-old on the planet. He probably doesn't respond to you because he's embarrassed that he's working out some demon in his hea...
by gd
Fri Sep 12, 2014 6:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3241

Re: Which generator do you have?

Perhaps I'm just lucky (or deaf), but my Kohler can barely be heard inside the house near where it is, and not at all in the bedrooms on the other side of the house. When I'm sitting reading the paper outside with the dogs as it begins its weekly test run, usually the three of us will not be driven...
by gd
Wed Sep 10, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9161

Re: Peter Lynch was wrong

I made some money from MSFT because I worked at small companies that were revolutionized by PC-based engineering tools doing the work of mainframes costing x100. I made some money from EMC for similar reasons. I knew about QCOM before my stockbroker had ever heard of it, but didn't buy what I knew b...
by gd
Tue Sep 09, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6263

Re: Which generator do you have?

My new neighbor has installed what appears to be one of the standard Home Depot natural gas models, probably Generac. It is as loud as a lawn mower, and there is no practical way to reduce the noise level. His costs will include my hotel bill when he lets it run all night. Won't your hotel possibly...
by gd
Tue Sep 02, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9161

Re: Which generator do you have?

My new neighbor has installed what appears to be one of the standard Home Depot natural gas models, probably Generac. It is as loud as a lawn mower, and there is no practical way to reduce the noise level. His costs will include my hotel bill when he lets it run all night.
by gd
Tue Sep 02, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9161

Re: Should elderly play it safe & risk not having enough or

As others have said, the point of having investments for old age is to sell them off as you grow old. If there is a mental barrier against this, that's one argument towards an annuity-- take the issue off the table, take the head game off the table. Like it or not, the mental process is a factor her...
by gd
Tue Sep 02, 2014 7:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Should elderly play it safe & risk not having enough or no?
Replies: 17
Views: 2086

Re: Debating whether to keep current vehicle or purchase ano

If you can afford a new car, peace of mind is a major part of the equation for how you allocate your money. You obviously are concerned about it, because it caused you to make your first post after a long time reading.
by gd
Fri Aug 29, 2014 5:47 am
 
Forum: Personal Consumer Issues
Topic: Debating whether to keep current vehicle or purchase another
Replies: 44
Views: 2503

Re: using the 15% tax bracket

I just think if I can harvest LTCGs with 0% tax, and there's some consensus that the 0% treatment for folks in the lower brackets is going to disappear, it'd probably argue for doing that now. I think you'll get consensus only that the LTCGT for lower brackets won't go down. I'd hope unanimous, but...
by gd
Mon Aug 25, 2014 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: using the 15% tax bracket
Replies: 42
Views: 4704

Re: Tipping the virtual waiter/waitress?

One place I ate at, located on the the receipt below the signature line, had a printout of what a 10%, 20% 30% and so on would mathmatically be. Even better there was verbage like: 10% tip would be $x.xx (a fair tip) 20% tip would be $x.xx (standard) 30% tip would be $x.xx (is good tip) And so on.....
by gd
Sat Aug 23, 2014 6:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Tipping the virtual waiter/waitress?
Replies: 18
Views: 2084

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

If you haven't done this yet, be advised the restart (which it did not prompt for) on my computer took perhaps 1/2 hour, with 2 of the "configuring, do not shut your computer off" messages lasting maybe 15 minutes each. Very unusual and unnerving, and would have been a minor disaster if I'...
by gd
Sat Aug 23, 2014 6:16 am
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 5016

Re: Brad Delong commenting on Shiller's NYTimes piece

Long ago I dabbled in pattern recognition and signal analysis, and have a healthy appreciation for the ability of humans to see patterns in randomness. That said, the 10-year plot had some interesting form to it beyond the short-term plots. If someone cared about these stock-price measures more than...
by gd
Fri Aug 22, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: Brad Delong commenting on Shiller's NYTimes piece
Replies: 4
Views: 1045

Re: Good place to buy eyeglasses without insurance?

I used Lenscrafters for a while, and while I probably had ok glasses once or twice, was amazed at how repeatably bad they were, several different locations-- misgrinding lenses, bad advice on lens material in response to very clearly stated needs and preferences. One guy at my expensive optician joi...
by gd
Fri Aug 22, 2014 7:07 am
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2870

Re: need advice on soon to retire parents

"If I had it my way I hope they leave me nothing and enjoy all of their money." Interest rates aside, the easy way to do that is an annuity or two. Will you maximize investment gain? No. Will they have an easy, straightforward and pretty-darn-safe situation? Yes.
by gd
Sat Aug 16, 2014 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: need advice on soon to retire parents
Replies: 8
Views: 1263

Re: need advice on soon to retire parents

"move and buy in a much lower cost of living area, with no state tax. Preferably paying cash for the home." If this is all there is to it, no. Move to where they want to live for the rest of their lives, or at least the next 10 years, not because it has no state income tax. I know someone ...
by gd
Sat Aug 16, 2014 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: need advice on soon to retire parents
Replies: 8
Views: 1263

Re: Where to live? She works in Boston, he works in Worceste

Car commutes from Natick, Acton, Concord, etc. into Boston are brutal. Unless that's tolerable, use commuter rail, and make sure you can get parking if you need it. Both Natick and Acton have commuter rail; Acton is north station. No clue about driving to Worcester. Natick would probably work pretty...
by gd
Fri Aug 15, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2267

Re: Telephone Calls! Help! [Telemarketing phone calls]

Hint- when you research nomorobo.com, disable adblocker plus, because ABP apparently blocks the site. To get more information, you need to give your email address. Call me a cynic, but I'll be giving my email I use for junk mail... Edit- and yup, hotmail filtered their reply as junk mail. Maybe I'll...
by gd
Fri Aug 15, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 8516

Re: Why would a passive investor use ETFs?

A fringe case, but I moved money from a MF to a similar ETF for capital gains harvesting, after convincing myself it wasn't a wash sale. I'm hoping no one will now convince me it was.
by gd
Fri Aug 15, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 4035

Re: The (un)freshness of Starbucks bakery products

Apparently corn syrup helps preservation a lot too which is why US sliced bread is so sweet. The HFCS industry claims it has a preservative effect-- *concentrated* sugar does in general, I recall from my home canning days-- but I'd quibble with the phrasing "which is why". I think the pri...
by gd
Fri Aug 15, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4801

Re: Where do you buy clothes?

Just had a major expedition to the local small family-owned mens clothing store in the small town next to us, in business for a century, half work clothes, the rest style-resistant casual and the odd tie, suit and dress shoes. More expensive than Target, with 1/10 the quantity and twice the useful s...
by gd
Wed Aug 13, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9837

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

Keep in mind that "balanced index" and "lifestrategy moderate" are marketing products. They may not exist in their current form in 10-20 years, much less 50. If you want to kill some time, try playing around with the .07% difference vs. possible variations in performance for what...
by gd
Wed Aug 13, 2014 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 17
Views: 2331

Re: Attitudes toward inheritances.

To the original question, I think inheritances hit a sweet spot-- free money, dangled far in advance to let thoughts about it fester and grow, and enough sense of social acceptance and entitlement to the money to make one feel allowed to think those thoughts. It's too much stimulation for people who...
by gd
Wed Aug 06, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11549

Re: Attitudes toward inheritances.

mojave wrote: perhaps I just have a thin skin.

You say this like it's a bad thing. Perhaps it's one of the things that make you an honorable and decent person, and you should nuture it.
by gd
Wed Aug 06, 2014 5:54 am
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11549

Re: Buying land and building house

No experience with your task, but some tangential thoughts. You are considering an unusual property that may be of no interest to others. It will be a large effort, and won't be a liquid asset. Make sure you are familiar with either the area, or the type of area. I moved to a blue-collar town becaus...
by gd
Tue Aug 05, 2014 7:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2712

Re: Should I worry about being audited?

I have a harsher take on this than nisiprius, seeing a long-running pattern of behavior (she's made most of her money under the table-- e.g., illegally evading taxes). So far as bank safety is concerned, the money is no safer in your bank account than in hers, con men notwithstanding, and I imagine ...
by gd
Tue Aug 05, 2014 6:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 3193
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