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Re: First Trip to India

This fall my wife and I will be making our first trip to India, ... Wish you all the best for a wonderful trip. Here are some forums, that will keep you busy for next few days India for beginners - http://www.indiamike.com/india/india-for-beginners-f122/ India Visa for foreigners - http://www.india...
by gurujji
Wed Apr 09, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 14891

Re: Suggestions - Postpaid to Prepaid & Porting to VOIP prov

Call forwarding is generally considered as an incoming call AND an outgoing call. that's what i thought, and there seems to be a portability fee as well with some providers. Thanks Indexfundfan, appreciate the timely information. Do you just want to have new telephone numbers and not miss calls fro...
by gurujji
Fri Apr 04, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Suggestions - Postpaid to Prepaid & Porting to VOIP provider
Replies: 6
Views: 682

Re: Suggestions - Postpaid to Prepaid & Porting to VOIP prov

wonderful information. Thank you smackboy1 and indexfundfan if all goes well, hoping it will like this Inbound calls: outside folks --> calling legacy-tmobile-number -->voip provider --> call forwarding-->rings pre-paid cellphone ? Will there be a fee for callforwarding ? Is it for the duration-of t...
by gurujji
Wed Apr 02, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions - Postpaid to Prepaid & Porting to VOIP provider
Replies: 6
Views: 682

Suggestions - Postpaid to Prepaid & Porting to VOIP provider

Need suggestions and advice on how to make this happen. Currently with T-mobile legacy family plan (postpaid) , and would like to keep both the number(s). Want : - convert from legacy post-paid to Unlimited pre-paid family plan - port current mobile numbers to VOIP provider - get new numbers for the...
by gurujji
Wed Apr 02, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions - Postpaid to Prepaid & Porting to VOIP provider
Replies: 6
Views: 682

Re: Transmission broke on the "good" car! Need advice

Here are few options I’m considering. - Pay the $3500 to repair the car and hope nothing else breaks for years to come. I had my Camry transmission repaired for more $ than it was worth (made sense at the time). It has been running OK 3 years later. Is it worth it to shop out repairs to other shops...
by gurujji
Fri Mar 14, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Transmission broke on the "good" car! Need advice
Replies: 18
Views: 1478

Re: Bunching Property Tax - when is it considered paid?

Alan S. wrote:Since it was paid by you on 12/31, the deduction can only be taken on your 2013 return.


thanks Alan.
by gurujji
Thu Feb 06, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bunching Property Tax - when is it considered paid?
Replies: 39
Views: 3110

Re: Bunching Property Tax - when is it considered paid?

I sent a check for my 2014 property taxes on Dec 17th. It still has not been cashed. If it is cashed after the 1st of the year can I still include it as a deduction for 2013? OP - were you able to find an answer to this question ? Similar boat, paid property-taxes Dec 31 via Bill-pay, County-tax of...
by gurujji
Thu Feb 06, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bunching Property Tax - when is it considered paid?
Replies: 39
Views: 3110

Re: Planning my death

here's that book.

viewtopic.php?f=2&t=119346
by gurujji
Tue Nov 12, 2013 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning my death
Replies: 41
Views: 3414

Re: Streaming from Nook HD+ to TV

protagonist wrote:
Is anybody aware of less expensive options for streaming from Nook HD+ to TV?

Thanks.


if your TV is a smart-TV, YouTube can stream free without any adapter , from any device. (it works for us)

Since Nook HD+ is, Android based, Google-Chromecast might be an option. (i don't have one)
by gurujji
Thu Nov 07, 2013 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Streaming from Nook HD+ to TV
Replies: 5
Views: 947

Re: Bogleheads' "Rags to Riches" Stories

reggiesimpson wrote: Parental love gives children a sense of strength by decreasing their "fears" in life. That creates a greater sense of hope for a better future.


+1
another valuable lesson, very well said.
by gurujji
Mon Oct 28, 2013 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 16144

Re: Car rental - how to minimize all those fees?

all good advices

1. decline collision damage waiver - see costco AMEX coverage.

2. never use Toll-roads with rental-cars.

3) use Priceline or Hotwire
biddingfortravel.yuku
betterbidding
by gurujji
Tue Oct 22, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Car rental - how to minimize all those fees?
Replies: 47
Views: 5030

Re: outdoor security camera?

HI all, Does anyone have rec. for outdoor security camera for a home installation? Budget version: - Zmodo DVR 8 channels all-in-one kit , they usually go on sale - 500GB or 1TB harddrive. - camera resolution - 480 TV-lines and above, with nigh-vision (good-cameras are expensive & worth it) - a...
by gurujji
Thu Oct 17, 2013 10:34 pm
 
Forum: Personal Consumer Issues
Topic: outdoor security camera?
Replies: 9
Views: 1276

Re: wi fi range, extenders, Powerline, etc

We use these . Work like a charm and were very easy to set up. They seem to go on sale a few times a year but are well worth paying full price for IMHO. +1 just watch out for a sale (usually $20-$30 off...) 1) you always need a pair (and that's how it's sold). 2) 1st POE (powerline over ethernet) ,...
by gurujji
Mon Oct 14, 2013 11:56 am
 
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 4057

Re: Seeking secure way of sending personal data email / fax?

Send email with password-protected zip files containing scans of the documents. Then she will call them with the password. I've done that numerous times for refinancings. +1 snail-mail - 1st preference FAX - next preference email - last-preference and make it password protected zip i think twice, s...
by gurujji
Fri Sep 06, 2013 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Seeking secure way of sending personal data email / fax?
Replies: 23
Views: 1840

Re: Ameriprise + steps to transfer to Vanguard

when it comes to getting out of Ameriprise there is no doubt that it is the best thing to do overall even if there are expenses to pay to get out. It may take some time to avoid the worst of the fees, but it will be worth it Do a search on here for "Ameriprise" if you are not 100% convinc...
by gurujji
Fri Jun 28, 2013 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 1200

Re: FIOS Battery Replacement

Getting back to the OP and the battery itself... I spoke again with Verizon and they advise me that if the battery dies I will lose all internet and telephone connection. Long time back , when battery went bad, Verizon replaced the battery for free; used the "switching to cable" mantra ! ...
by gurujji
Wed May 08, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: FIOS Battery Replacement
Replies: 37
Views: 4194

Re: switching auto insurance company

Dr. Gaius Baltar wrote:Is there a site that lets you compare prices for auto and home insurance, with many different companies?


this is in texas - http://www.tdi.texas.gov/webinfo/onlserv.html
by gurujji
Wed Jan 09, 2013 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: switching auto insurance company
Replies: 23
Views: 2021

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1632.31
happy new year everyone.
by gurujji
Sat Jan 05, 2013 9:50 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15529

Re: Early retirement overseas?

Valuethinker wrote:India would be a fascinating place to live for a few years, but I would not see it as a long term retirement destination unless you were very adaptable.


some related discussions - http://www.indiamike.com/india/india-expat-area-f84/
by gurujji
Wed Dec 19, 2012 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Early retirement overseas?
Replies: 116
Views: 9439

Re: Adult Kids/Gifting

. I paid for college and his first two Masters, then he got the fellowship. Bottom line: We've provided a lot of financial support over the years, ..... Anyway, I've been wondering how many more folks out there provide financial support for adult kids. . Seems the right way. This is the parenting-s...
by gurujji
Tue Dec 18, 2012 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adult Kids/Gifting
Replies: 77
Views: 3962

Re: Mortgage Refinance Closing Costs

I am refinancing in the state of TX for roughly the same rate. The only expense I will pay is a few days of interest. The posted list of expenses looks high to me. Good luck! Michele +1 In past, i apply for a no-closing cost refinance no-origination re-finance, with no closing cost, and only the pr...
by gurujji
Mon Dec 17, 2012 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Closing Costs
Replies: 19
Views: 2405

Re: Student loan payoff: keep in cash or payoff now?

MNsnow123 wrote:1. Should I pay off my loans right now with cash?


another idea (viewpoint) on student-loan -- viewtopic.php?f=2&t=99549&newpost=1556604#p1440283
by gurujji
Mon Dec 17, 2012 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student loan payoff: keep in cash or payoff now?
Replies: 13
Views: 1340

Re: Revisiting cable cutting

snyder66 wrote: the indoor antennas.


read about this in other forums. Leaf HDTV indoor antenna & a amplifier http://www.gomohu.com/

check TV-transmiters strength - http://www.tvfool.com/index.php?option= ... &Itemid=90
by gurujji
Mon Dec 17, 2012 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Revisiting cable cutting
Replies: 40
Views: 3289

Re: Wifi Hotspot

snyder66 wrote:Is it possible to run a wifi hotspot in your home to avoid internet service and charges? Sounds too easy, right?


crowdsourced wi-fi --> http://corp.fon.com/en/this-is-fon
by gurujji
Mon Dec 17, 2012 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Wifi Hotspot
Replies: 26
Views: 2023

Re: 12 year old dryer is squeeking loudly. What to do?

3. If you recommend a replacement, what brand? We are stuck with the over/under configuration due to space limitation. our dryer stopped working couple of weeks before thanksgiving. we ended up replacing our 8 year old washer & dryer for energy-efficient LG model. http://www.energystar.gov/inde...
by gurujji
Thu Dec 13, 2012 11:36 pm
 
Forum: Personal Consumer Issues
Topic: 12 year old dryer is squeeking loudly. What to do?
Replies: 35
Views: 2873

Re: I need some resume help...

search 5 or 6 jobs that is of interest, with a well-written job description. That job-description, will be used to write a resume. i list skills in resume, Honestly ! ( to respect the interviewers time ) See Process Step-1, wikipedia - https://en.wikipedia.org/wiki/Screening_resumes#Process Format i...
by gurujji
Sun Dec 09, 2012 10:19 am
 
Forum: Personal Consumer Issues
Topic: I need some resume help...
Replies: 2
Views: 527

Re: Need a Pay as you go smart phone, unlocked for use in As

any further help is nice .... budget friendly unlocked phones are available search here some phones that work overseas are Sony Xperia, Nokia, LG, which are relatively cheaper than others. it's easy to buy unlocked phone-overseas (say , asia), and hop on Tmobile plans . for occasional internet use ...
by gurujji
Fri Dec 07, 2012 10:03 am
 
Forum: Personal Consumer Issues
Topic: Need a Pay as you go smart phone, unlocked for use in Asia..
Replies: 22
Views: 2001

Re: Rollover 401k to IRA (Vanguard) - when market is down

those were all great points, HouseBlend & phish_indexer. thank you very much.

401k-rollover is never hassle-free.

will update with suggestions from rollover-specialist.
by gurujji
Wed Dec 05, 2012 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k to IRA (Vanguard) - when market is down
Replies: 6
Views: 1024

Re: Rollover 401k to IRA (Vanguard) - when market is down

As for the rollover itself, you'd likely have to move all assets to a money market fund before the rollover. Thank you. In that case, am i forced to do market-timing ? the worst-case scenario : - sell funds @ old-401k to convert to money-market (during a down-market) and - roll-over to Vanguard Tra...
by gurujji
Wed Dec 05, 2012 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k to IRA (Vanguard) - when market is down
Replies: 6
Views: 1024

Rollover 401k to IRA (Vanguard) - when market is down

Planning to rollover my 401k (old company) to Vanguard. 401k @ old company Vanguard Total Bond Market Index Signal (VBTSX) exp ratio = 0.10, > 20 k Vanguard Total International Stock Index Signal (VTSGX) exp ratio = 0.18, > 20 k Vanguard Total Stock Market Index Signal (VTSSX) exp ratio = 0.05, > 20...
by gurujji
Tue Dec 04, 2012 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover 401k to IRA (Vanguard) - when market is down
Replies: 6
Views: 1024

Re: Connecting my laptop wirelessly to HDTV?

wireless USB dongle (if such a thing is available). This would allow me to take the USB dongle with me and my laptop to be able to have a wireless connection on any HDTV that has a USB port. Anybody know about this? Diamond V-Stream , seen this at a house, where they were streaming a movie via lapt...
by gurujji
Fri Nov 30, 2012 7:10 am
 
Forum: Personal Consumer Issues
Topic: Connecting my laptop wirelessly to HDTV?
Replies: 20
Views: 3316

Re: Who is your term-life insurance provider?

Sunny Sarkar wrote:[Edit] Title changed to: Who is your term-life insurance provider?[/Edit]

his and hers : Banner, American general , TransAmerica.
by gurujji
Mon Oct 08, 2012 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is your term-life insurance provider?
Replies: 45
Views: 5061

Re: Cell phones breaking budgets!

Sunny Sarkar wrote:$30/month for cell phone: Old iPhone 3G with T-Mobile 1500 minutes+text & unlimited internet


which t-mobile plan is this , kindly share details . we have two phones paying $80 for 750mts (legacy plan), is it cost-efficient to have 2 individual plans or 1 family-plan ?
by gurujji
Mon Oct 08, 2012 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10122

Re: How Do You Tune It Out?

The "news" is junk food for the mind: "Avoid News: Towards a Healthy News Diet" :happy a great piece of advice & article, thanks for sharing. Ran in to the same issue as OP couple of months back. As a first (easy) step, i cut off car-radio completely, for 3+ months now. (Kin...
by gurujji
Thu Sep 20, 2012 2:02 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Tune It Out?
Replies: 46
Views: 2848

Re: Has anyone taken a PenFed auto loan recently

no significant delays/issues, did auto re-finance recently. couple of hiccups during approval process. penfed expected a payoff statement from currentloan-bank. Unfortunately the bank had no clue as to what that is, and generated a per-diem rate statement. after going back&forth with penfed &...
by gurujji
Sat Aug 11, 2012 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken a PenFed auto loan recently
Replies: 13
Views: 2230

Re: HD digital camcorder - suggest please

if you are a pro, i have no idea what you should get. +1 if it's for consumer/prosumer's use, there are many for < $600 reviews - check http://www.camcorderinfo.com/Prosumer.htm watch for amazon price-drops - http://zingsale.com/ have you checked Costco, i bought a panasonic TM80 for $200. Whenever...
by gurujji
Fri May 04, 2012 2:14 pm
 
Forum: Personal Consumer Issues
Topic: HD digital camcorder - suggest please
Replies: 6
Views: 514

Re: harassing calls from fraudulent "credit card services"

with VOIP service, i turned-off all INCOMING, for a particular phone-number. this is my throw-away phone number, which i give it all unknown to me. anyone who i don't interact daily/weekly , they get throway-phonenumber ! have other phone-numbers, with outgoing/incoming ability. but it's only known ...
by gurujji
Mon Mar 19, 2012 10:41 pm
 
Forum: Personal Consumer Issues
Topic: harassing calls from fraudulent "credit card services"
Replies: 53
Views: 3522

Re: portfolio rebalance (revisit) - 1 year into stay the cou

Thank you very much for assisting and helping me sail in right direction . The fee for mind reading is pretty high, so you might want to go it on your own for that one. :D I think your portfolio is in good shape. Just keep adding money. True ;-) i realize, the question missed clarity. kindly forgive...
by gurujji
Mon Mar 19, 2012 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio rebalance (revisit) - 1 year into stay the course
Replies: 8
Views: 807

Re: portfolio rebalance (revisit) - 1 year into stay the cou

thank you very much retiredjg . kindly forgive the delay in responding. i like it, will make the necessary changes per your suggestion. Well, I'm still unclear about why you are splitting up the large caps from the mid/small caps, but see if you like this idea. modified the OP, to remove any confusi...
by gurujji
Mon Mar 19, 2012 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio rebalance (revisit) - 1 year into stay the course
Replies: 8
Views: 807

Re: portfolio rebalance (revisit) - 1 year into stay the cou

Overall: 29% Nominal Bonds 3% Inflation Bonds 37% Domestic 9% Small Cap Value (overweight) 6% REIT (overweight) 16% International (23% of Stocks)[/list] this is very very close to the AA excel spreadsheet numbers. i inserted the allocation% to respond to retiredj's question. i like to choose indivi...
by gurujji
Thu Mar 15, 2012 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio rebalance (revisit) - 1 year into stay the course
Replies: 8
Views: 807

Re: portfolio rebalance (revisit) - 1 year into stay the cou

It appears you are counting total stock market as about 66% large and 34% mid/small cap. It's actually about 71% large and 29% mid/small, so I think your current calculation of large vs mid/small is off a little. What ratio of large to mid/small do you want? 66/34 is a number given by vanguard, whe...
by gurujji
Thu Mar 15, 2012 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio rebalance (revisit) - 1 year into stay the course
Replies: 8
Views: 807

portfolio rebalance (revisit) - 1 year into stay the course

1 year ago, with pure blessings found this little village, which changed our financial well-being. Sincere thanks to the greatness & helpful nature of all bogleheads. Humble request to the guru's , to review, comment and advice on this portfolio setup. Emergency funds = (3 months in checking acc...
by gurujji
Wed Mar 14, 2012 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio rebalance (revisit) - 1 year into stay the course
Replies: 8
Views: 807

Re: Bleg - help buying Dell desktop

Hi So I have 3 possible specs from Dell. Vostro, Optiplex (cheaper small business) and Inspiron (consumer brand). Dell Vostro MT 460 Dell Optiplex 460 Dell Inspiron 620 kindly add DELL outlet, to you research. I saved $$, they claim , it has scratches and dents.i didn't see any ;-) http://outlet.eu...
by gurujji
Wed Mar 14, 2012 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Bleg - help buying Dell desktop
Replies: 69
Views: 2565

Re: HSA contributions - front load 'em?

The danger of front-loading is that I might not be working and in the plan on 12/1/2012 which allows me a full year of contribution in 2012. If I retire or am fired before 12/1 then it appears that an over contribution gets penalized heavily. If it turns out that you are NOT working and in the HDHP...
by gurujji
Tue Mar 06, 2012 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA contributions - front load 'em?
Replies: 38
Views: 2243

Re: Car totaled, now what?

If anyone has suggestions, whether related to how to deal with insurance or in buying a replacement vehicle I'd appreciate hearing them. Sorry to hear . Hope you & your family get back to normal soon. if you are Not-At-Fault & car TOTALED, here are something i did file a claim - got a copy ...
by gurujji
Wed Feb 29, 2012 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Car totaled, now what?
Replies: 54
Views: 2647

Re: Redshirting school age children

thought this speech by Sir Ken Robinson is relevant to this discussion.

http://sirkenrobinson.com/skr/rsa-anima ... -paradigms
&
http://www.ted.com/talks/ken_robinson_s ... ivity.html
by gurujji
Sat Dec 03, 2011 12:22 am
 
Forum: Personal Consumer Issues
Topic: Redshirting school age children
Replies: 113
Views: 4747
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