Search found 807 matches

by gd
Sun Aug 30, 2015 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 50
Views: 1360

Re: Charatable trust after death

I'd look for something like the organization linked below, near me. I don't know much about it, just happen to know of them. Work through the "Give" dropdown for an explanation of their role. They are for one local area, obviously, but I believe it is a common model. I'd make sure it's a f...
by gd
Sat Aug 29, 2015 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Checking if my house has any Liens on it
Replies: 31
Views: 1835

Re: Checking if my house has any Liens on it

We did not have a mortgage when we acquired our house, and got title insurance out of caution. It looked impressive, but was an empty formality for a non-existent mortgage holder. When it later became apparent we had a significant, amicable boundary line problem due to a bad survey and willful ignor...
by gd
Fri Aug 28, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to prevent lifestyle creep
Replies: 28
Views: 3642

Re: Trying to prevent lifestyle creep

We don't know anything about your lifestyle, so how can we advise about creep? If I had to say something, I'd claim that your children start out not having any concern about empty status or luxury; no reason for you to accustom them to it or train them that it is desirable. You'll do both you and th...
by gd
Fri Aug 28, 2015 6:33 am
Forum: Investing - Theory, News & General
Topic: Why all the fuss about wash sales?
Replies: 18
Views: 2651

Re: Why all the fuss about wash sales?

OP- it's not clear to me how basic your question is. In the simplest form, tax loss harvesting is a maneuver specifically to manipulate taxes owed that year. If they don't follow the wash sale rules, they cannot use the CG loss to reduce taxes that year, making the exercise pointless (and for those ...
by gd
Thu Aug 27, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: Catch 22 Painting Issue and RRP
Replies: 4
Views: 863

Re: Catch 22 Painting Issue and RRP

As a DIY homeowner of an old house I ignore the issue. I sometimes wear a mask when sanding old paint, and refrain from chewing on the woodwork or eating flakes of old paint unless I know they are latex. Your local paint store works with local self-employed painters and it does not surprise me that ...
by gd
Mon Aug 24, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Ways to reduce basement humidity
Replies: 20
Views: 1765

Re: Ways to reduce basement humidity

Suggestion to the OP- give your location, and don't take anything too seriously that isn't from an identifiably similar climate. Your solution depends on local climate and house construction. The only way you'll get humidity down in my area is to insulate (or heat, I suppose) your basement so you ca...
by gd
Mon Aug 24, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 4418

Re: washing machine

Check out local estate sales or appliances repair/flipping companies. You can often find gently used at a bargain. Stay away from the pros. I sent my trusting wife to a used appliance store when we moved into a temporary rental. They saw her coming a mile away. She came back having paid $200 for a ...
by gd
Sun Aug 23, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 56
Views: 5682

Re: What is Your Plan B if Quicken dies?

My biggest actual problem will be FIFO CGs on funds going back 25 years. Since I just upgraded from 2004, I'm betting I'll get maybe 5-10 years out of 2015 before it won't run on Windows 10.325.21. At that time plan B is: dead, who cares, plan C is: already finished harvesting CGs & reinvesting ...
by gd
Sat Aug 22, 2015 6:23 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2385

Re: Cell Phone Reception

You can compare the coverage in your area: http://opensignal.com/network-coverage-maps/ Suggest caution. Not only does that map not show any dead spot within miles of me (2 of 3 cell phones don't work in my yard), my next-door neighbor apparently has a cell phone tower on his roof, and they've erec...
by gd
Fri Aug 21, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2385

Re: Cell Phone Reception

Tiny radios are actually a really bad idea for a reliable communications system. Just saying.
by gd
Fri Aug 21, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 26
Views: 2845

Re: Intuit to Sell off Quicken

Hmm... database containing 25 years of reinvested dividends that have to be reported for FIFO capital gains on sale... uh oh. Maybe I'll bite the bullet, take more CGs than planned, and accelerate my account cleanups this year. Running around in circles buying and selling divisions is a time-honored...
by gd
Thu Aug 20, 2015 6:55 am
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 6212

Re: Greenspan: we've got a bond bubble, Houston

Given their track records, I'm not clear why anyone would pick Greenspan's view of the world over Krugman's. PK certainly doesn't commit investment forecasting, but I don't think he's expecting a surge in interest rates any time soon. See his blog for reasons.
by gd
Thu Aug 20, 2015 6:36 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2385

Re: Cell Phone Reception

Having a reception issue at home (not clear which carrier would work reliably *before* spending lots of money), voice over WiFi was the main selling point (for me, anyway) of Republic Wireless a year or two ago. This seems to have pulled the rug out from under them, particularly since they require c...
by gd
Tue Aug 18, 2015 6:12 am
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 11
Views: 1194

Re: Gardening 2015

Perhaps they thought it was watermelon. Not too surprising that people might pilfer a few plants from a large community plot on non-personal land; the stuff just grows on its own, not like you're stealing someone's property from a house or store-- churches are supposed to be charitable (their though...
by gd
Mon Aug 17, 2015 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 6609

Re: Cash in the house

We had a few years where we knew several old women who died and we were involved in the aftermath. My spouse would specifically look for cash and always find it, usually in very ordinary places no one else would bother sorting through-- sometimes after the official cleaner-outer was ready to load up...
by gd
Sat Aug 15, 2015 7:06 am
Forum: Personal Consumer Issues
Topic: Traveling to Poland (Gift ideas)
Replies: 12
Views: 816

Re: Traveling to Poland (Gift ideas)

Probably too late, but... it's not really a 3rd world country; they can get anything other than your local tourist kitsch at the local stores. Family photo archives. If you've digitized family photos, throw a USB drive in your bag, and if you get time see if you can assemble a US family archive to s...
by gd
Sat Aug 15, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4075

Re: Maximizing space in a small house

sunny_socal wrote:Just look how happy this young couple is with their racks! :beer

The kid's going in the black bin...
by gd
Sat Aug 15, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: What does "LBYM" refer to? Beyond or Below your means?
Replies: 33
Views: 2228

Re: What does "LBYM" refer to? Beyond or Below your means?

"Live below your means" is not the same as "frugal". It may be that most people using the term nowadays are both, but the difference is meaningful. LBYM means that you spend less than you can; frugal means that you spend as little as possible.
by gd
Mon Aug 10, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Moving JTWROS to Separate for married Texas Residents
Replies: 11
Views: 898

Re: Moving JTWROS to single

Since you specifically mention you are a citizen, she must be also. Unlimited spousal gift exemption does not hold for non-citizens, and I believe changing the name counts as a gift. If you're serious about empowering her, she should know how to actually manipulate the accounts-- passwords and/or vi...
by gd
Sun Aug 09, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: Month to Month Rentals?
Replies: 19
Views: 1680

Re: Month to Month Rentals?

I've done something similar. I explained my situation honestly (mine was simply uncertainty over my plans), convinced them I wasn't going to trash their house (including wear & tear of moving in and out), and agreed to forfeit a bunch (several months, I think) if we moved out soon. If you do, ke...
by gd
Sun Aug 09, 2015 6:16 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3975

Re: iPad - usefulness?

My iPad is indispensable for work purposes, where I need to show and discuss training manual content and internet-based maps with customers I'm training. We also use it at home as a backup and portable internet viewer, and occasionally I use it as a book reader, often for stuff other than novels I d...
by gd
Sun Aug 09, 2015 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13017

Re: Did a dumb thing

It is that we are reading the analysts who say the Fed has ruined the economy and the only reason the market is up is due to their controlling interest rates as they have been. They also indicate there will be a crash of epic proportions when the Fed starts raising rates. So this is why we are fear...
by gd
Thu Aug 06, 2015 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Remote landlording
Replies: 11
Views: 932

Re: Remote landlording

My spouse does this. First renter was recommended by a close friend, pillaged and sold spouse's personal effects in a reserved basement storage room, rented out rooms in house illegally making a net profit, required extensive renovations afterwards, and a lawyer & court appearance to settle. Sec...
by gd
Wed Aug 05, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2839

Re: Comcast wants me to buy a new modem (I think)

Don't buy craigslist or ebay unless you can see a purchase receipt for it. I got a lecture from them that if it's on their unreturned rentals list, they'll demand its return as stolen property. And it is.
by gd
Wed Aug 05, 2015 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Husband's nursing home costs eating up inheritance and savings.
Replies: 25
Views: 4471

Re: Husband's nursing home costs eating up inheritance and savings.

Nothing to add to the "see an elder care lawyer" suggestions, but a side note to those following the thread--$12,000 / 30 = $400/day, which isn't that much for circumstances requiring extensive facilities and staff. Not certain, but I believe its a very typical "back of the hotel room...
by gd
Fri Jul 31, 2015 6:39 am
Forum: Investing - Theory, News & General
Topic: "The Sad State of the Financial Web, in 10 Charts"
Replies: 13
Views: 2586

Re: "The Sad State of the Financial Web, in 10 Charts"

These are search engine usage. What it shows to me is mostly that people *search* more on more complex or nebulous topics (best performing vs. lower cost, investing in specific social media stocks vs. index funds). Not actually very surprising, when you think about it.
by gd
Fri Jul 31, 2015 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Wait... What? [IRA and taxation]
Replies: 42
Views: 5327

Re: Wait... What?

A bright side is simpler taxes if you are a compulsive FIFO capital gains filer (vs. average cost basis), and have 30 or 40 years of monthly reinvestments that funds won't calculate for you. That's a daunting task in doddering old age.
by gd
Thu Jul 30, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Cowpea weevils took over my pantry
Replies: 9
Views: 1124

Re: Cowpea weevils took over my pantry

Follow the other advice about repackaging and carry on, with a new appreciation for the vitality and diversity of life. Helps to have a vacuum or dustbuster positioned for easy use. You don't mention pets, but leaving pet food out and/or not constantly cleaning up after pet mealtime, leading to food...
by gd
Mon Jul 27, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: DIY auto air conditioner recharge
Replies: 22
Views: 1927

Re: DIY auto air conditioner recharge

Just did it based on this thread, first time my 13-year-old car has had working AC in memory. A 30-minute $34 gamble. If I had a 3-year-old car, I'd have taken it to a shop.
by gd
Mon Jul 27, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Helping Mom - I'm Concerned About Her Advisor
Replies: 24
Views: 1929

Re: Helping Mom - I'm Concerned About Her Advisor

It's worth stating explicitly what's wrong with the remarkably long list of funds. Specifically setting up such a large number of funds, regardless of characteristics, is a good obscuration technique by the advisor. Must be a smart guy doing a job too complicated to understand or second-guess.
by gd
Sun Jul 26, 2015 6:27 am
Forum: Investing - Theory, News & General
Topic: "Total" Stock No More So than "Total" Bond
Replies: 52
Views: 3900

Re: "Total" Stock No More So than "Total" Bond

^ A former colleague of mine, a rather good engineer, used to refer to the marketeers . PJW I think a lot of us did. A simple-minded question to the original idea of including very small cap stocks: My investing-as-hobby days are behind me and I am not interested enough to research this, perhaps ot...
by gd
Wed Jul 22, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 6238

Re: Do you hate your vehicle infotainment system?

Which ones are really lousy? I don't have one, but this would get my vote:
http://www.wired.com/2015/07/hackers-re ... p-highway/
by gd
Fri Jul 17, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 1791

Re: Getting rid of moles & voles (rodents)

Diversify your assets. Get some skunks again. They eat everything, including moles and voles, and the same grubs moles and voles are showing up for. How was your mole/vole population during the skunk era? Seriously, monoculture anything (starting with lawns) is an invitation to boom/bust, nature as ...
by gd
Fri Jul 17, 2015 6:07 am
Forum: Personal Consumer Issues
Topic: At some point in time, is your beater worth it? [car]
Replies: 30
Views: 3323

Re: At some point in time, is your beater worth it? [car]

Pedantic, but there's a useful distinction between deferred maintenance and deferred repairs. Maintenance is changing oil and coolant fluid, replacing old timing belt, inoperative dashboard lights, stuff that might or might not cause you a problem next year. Repair is something that might prevent yo...
by gd
Mon Jul 13, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Alternatives to iTunes on Windows 7 PC
Replies: 14
Views: 837

Re: Alternatives to iTunes on Windows 7 PC

It was making the iPad unuseable because I was running out of memory (the latest iOS required more memory to install than I had available, and some of my apps were running out of space) and I couldn't simply delete some very large video files on the iPad. Apparently the only way to delete non-apple-...
by gd
Mon Jul 13, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Alternatives to iTunes on Windows 7 PC
Replies: 14
Views: 837

Alternatives to iTunes on Windows 7 PC

My iPad is slowly becoming a brick (ok, tile) because I can't delete user (i.e., not from Apple Store) videos downloaded from a Windows 7 PC. I don't live in the Apple walled garden, but need the iPad for my job. iTunes "just doesn't work". Really, it's awful. I don't want help with iTunes...
by gd
Fri Jul 10, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: crawl space waterproofing
Replies: 2
Views: 467

Re: crawl space waterproofing

You're looking for a company recommendation without disclosing your location? Or are you looking for war stories and general advice to use in evaluating companies? For that, you'll need to answer Rupert's questions and probably then some-- describe the physical crawlspace (size, construction, ventil...
by gd
Wed Jul 08, 2015 7:15 am
Forum: Personal Consumer Issues
Topic: Traveling to Europe in two years (USD to Euro question)
Replies: 10
Views: 777

Re: Traveling to Europe in two years (USD to Euro question)

Sure, if you feel like it and can deal with the possibility you get it really wrong and lose maybe 25% or more of the total. It'll give you a new hobby for the next two years. Personally, I'd spend the next two years thinking about what I was going to do on the trip, not what European politics in a ...
by gd
Wed Jul 08, 2015 6:28 am
Forum: Personal Consumer Issues
Topic: creepy LinkedIn
Replies: 30
Views: 5442

Re: creepy LinkedIn

I used LInkedIn for only a year to give potential customers an unobtrusive way to research my credentials, until I realized I couldn't suspend it during internet-impaired trips. Screw that. I am baffled how people get value out of the overwhelming chaff, and assume an account is mostly de rigueur fo...
by gd
Tue Jul 07, 2015 5:52 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16148

Re: Convince me not to buy Porsche

Simple answer: If you have to borrow money to get it, you cannot--by definition--afford it. You paid cash for your house? Yes. I didn't seriously consider buying a house until it was not a serious strain to do so. And I probably could have paid the bulk of it by what I saved and (fortuitously) inve...
by gd
Mon Jul 06, 2015 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 3831

Re: If you wouldn't buy it, then you should sell it

Hysteresis is a useful concept with lots of applications.
by gd
Fri Jul 03, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 3878

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: 135
Views: 11160

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: 7441

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: 1956

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: 6626

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: 3715

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: 2177

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: 702

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: 702

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...

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