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Re: LiveWatch Alarm System -anyone?

by htdrag11
Sat Feb 28, 2015 11:22 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 5
Views: 245

Re: LiveWatch Alarm System -anyone?

Frontpoint is $35/month, above my threshold.
by htdrag11
Sat Feb 28, 2015 11:20 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 5
Views: 245

Re: LiveWatch Alarm System -anyone?

Despite mostly positive reviews, there was one disturbing one I read posted on July 18 2013 on Amazon with the title of "Promising but did not deliver" - 2 stars. However, I could be convinced. The other high ranking one is Frontpoint that I would be checking. This site puts both of them h...
by htdrag11
Sat Feb 28, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 5
Views: 245

LiveWatch Alarm System -anyone?

Slowly shredding the cord so I dropped my phone service from my cable company and went with Obitalk. I ended up also dropping ADT after 15 years when they wanted me to sign a 3-year contract and raised the price to support cellular monitoring. I do not have a dog, a gun or a Fake TV. Not sure if the...
by htdrag11
Sat Feb 28, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 5
Views: 245

Re: Is a generator worth it?

It depends.

I live in an area with well water, so when there is no electricity during Sandy, it was a hellish week. If we had city water, then I could do without spending $7k for insurance.

After 2 years, we are hardly out of power, but wife is happy every time she flushes.
by htdrag11
Thu Feb 26, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 75
Views: 3519

Re: What is your favorite consumer product?

investor1 wrote:The internet.


+1 :happy
by htdrag11
Mon Feb 23, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 149
Views: 8767

Re: TDAmeritrade Forms 1099 Late

Got mine yesterday. Vanguard was last week.
by htdrag11
Thu Feb 19, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1643

Re: help me buy a tablet

I've a 2014 Samsung Pro 10.1 Tablet 16gb while my wife has an iPad Air. The only downside is that the Samsung has a lot of bloatware so I bought a SanDisk 32gb microSD card. The resolution and letterbox (16x9 or 16x10) are part of my decision making, coming from a home theater environment; iPad is 4...
by htdrag11
Thu Feb 19, 2015 5:16 pm
 
Forum: Personal Consumer Issues
Topic: help me buy a tablet
Replies: 15
Views: 769

Re: Pick Out My New TV For Me

Think outside the "box", get this one for under $700: http://www.amazon.com/BenQ-W1070-1080P-Theater-Projector/dp/B00A2T6X0K The picture size is 10' - 12'; you could even watch it with some light on in the day time. Full disclosure, this is my back up projector to watch anything but sci-fi...
by htdrag11
Mon Feb 16, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2108

Re: Recommend a movie for a lonely Boglehead on Valentine's

nisiprius wrote:Wall-E.


YES! My wife could not understand why I'm into robot-love. :mrgreen:

It is one of my favorite Pixar movies, next to Casablanca.
by htdrag11
Mon Feb 16, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4448

Re: New Lexus NX Not an Economy Bargain

I saw the NX when getting an oil change on my 2012 RX350 that runs on regular gas; found the front facade way too aggressive for my taste. A 2016 Totota RAV4 with a 4-cylinder engine also gets 22 mpg in the city but on regular gas, no turbo. Price of the new RAV4 has also gone north to $30k and up. ...
by htdrag11
Sun Feb 15, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3030

Re: Wall Street Journal vs. White Coat Investor

"The truth must be repeated over again and again because lies are constantly being told around it." -- Rick Ferri quoting Van Goethe

My favorite quote from Fox Mulder: "The truths are out there, but so are the lies." In this case, most of them are lies.
by htdrag11
Mon Feb 09, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Journal vs. White Coat Investor
Replies: 28
Views: 4565

Re: H&R Block Tax Software - Low Prices at Amazon

The good news is that I could import my old TurboTax data, but the bad news is no TD Ameritrade; Vanguard and Fidelity are fine.
by htdrag11
Tue Feb 03, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 40
Views: 2981

Re: H&R Block Tax Software - Low Prices at Amazon

Got my H&R Block Deluxe and State download with a 40% off from slickdeals.net, so it's about $27 plus tax.
by htdrag11
Tue Feb 03, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 40
Views: 2981

Re: Taxact ultimate version $6

I tried it twice with 2 different ID's but still shows up as $17.99?

Bummer!
by htdrag11
Thu Jan 15, 2015 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 2993

Re: What Book Are You Currently Reading? Part VI

2 books:

The Bogleheads' Guide to Retirement Planning

and Gone Girl, after watching the movie. It's a black comedy. Makes my marriage almost perfect. :D
by htdrag11
Mon Jan 05, 2015 9:18 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 503
Views: 67638

Re: What Movie Have You Recently Watched?

I'm considering going to see "The Interview" in one of the select theaters it will be showing in on Christmas. Anyone else have any Christmas movie plans? Try to watch it last night but Google/Youtube (same with MS Xbox users) did not provide enough buffering or capacity, got "licens...
by htdrag11
Thu Dec 25, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 564
Views: 69068

Re: Wealth management plan

Very enlightening.

I like the 5 P's and 4 Risks.


Thanks.
by htdrag11
Thu Dec 25, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Wealth management plan
Replies: 3
Views: 1378

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Even better.

I thought that the Gross and Miscellaneous fees are additive, so it's 0.18 indeed.

Regardless, after my vesting period coming October 2015, I'll consolidate this with my main Vanguard Rollover IRA.

Thanks.
by htdrag11
Wed Dec 24, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3519

Re: What Movie Have You Recently Watched?

Finally caught The Right Stuff. Those Flyboys/astronauts are amazing, sort of like race car drivers with a college degree. It was rather long so I watched it over 2 nights. Though Alan Yeager/Sam Shepard was not an astronaut but he broke the sound barrier; I like his character in the movie as well a...
by htdrag11
Tue Dec 23, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 564
Views: 69068

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Thanks for the clarification.

BTW, I was the one who instigated the push to change from the more expensive Smith Barney. Everything there was about 1% or higher, so Voya is an improvement.
by htdrag11
Tue Dec 23, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3519

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Ahem.

Here is what I saw:

Gross Prosp Exp Ratio 0.18% of fund assets
Net Prosp Exp Ratio 0.18% of fund assets
Management Fee 0.00%
12b-1 Fee .
Other Fee .
Miscellaneous Fee(s) 0.18%

That is still 0.36. Is my math correct?
by htdrag11
Mon Dec 22, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3519

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

My firm just switched from Smith Barney to Voya. Though not invested in 2045, the Voya pdf on this fund said 0.18. Where did you see the 0.83? That is a pretty hefty cut for Voya.

Personally I chose both the Vanguard Total Stock Index and their Bond funds only.
by htdrag11
Mon Dec 22, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3519

Re: TV buying recommendations

Gave away our 42" Panny 720p plasma and upgraded to a 50" 1080p plasma last year, knowing that plasma is losing like Betamax to VHS. LED TV is a successful marketing term for LCD TV. My BIL has both a 65" and a 50" Samsung; neither is watchable to me, unless you sit in front of t...
by htdrag11
Sun Nov 30, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3274

Re: New car purchase- "documentation fee" and "registration

Besides fees, extended warranty or tire/pot hole/nail warranty could also be negotiated.
by htdrag11
Thu Nov 13, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2974

Re: If your networth is over $3 million, how did you do it?

Here is something else. The stock market has had an annual average return of about 20% since around March 2009. That means that a working family with a portfolio of $1.5 million or so, should have a portfolio now worth around $3 million if they continued another 5 years of maximum contributions to ...
by htdrag11
Tue Nov 11, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46823

Re: What Movie Have You Recently Watched?

Broke my record this year.

Just saw Interstellar in IMAX, well worth the money. As an indicator of the length of the movie, there was a line to the men's room afterward. I enjoyed this one more than last year's Gravity.
by htdrag11
Sat Nov 08, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 564
Views: 69068

Re: Merc or BMW?

There is this point where even addicts realize they have sunk too low, and go on the wagon .... . . I just can't get myself into a Toyota Highlander, though they are essentially the same except for the veneer despite all the marketing hype! However, I would take the RX to a Toyota dealer for oil ch...
by htdrag11
Fri Nov 07, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7374

Re: Merc or BMW?

Since the C-class is new in 2015, you'll get a better buy with BMW and it's around longer (hopefully better quality). I'll go with the Bimmer for a 4-year lease, if money is not an issue. For disclaimer, I used to own MB and BMW but now is driving a boring Lexus RX which has no electrical problems s...
by htdrag11
Fri Nov 07, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 7374

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

I was 46 when offered my pension, so annuity was not even an option. It has since quadrupled since last century. Now it's sitting in a 70-30 mix pot. My entire portfolio is at 60-20-20 (cash) and 2014 has been a great year so far, outpacing S&P return. Just lucky. I've personal bias against annu...
by htdrag11
Fri Nov 07, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2611

Re: New vs. Used Honda CRV

Pre-owned is used. For this kind of money, buy a new one or a new 2015 CX-5, drives much better and quieter with more safety features but the resale is not as good. The other option is a Subaru Forester. Not sure if the Outback would fit your budget. For the record, I bought a 2012 Lexus Rx350 CPO f...
by htdrag11
Mon Nov 03, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6785

Re: What Movie Have You Recently Watched?

Fury - a rare moment going out to the cinema. It was worth it. I consider it a guys' movie with the tank as the main "character" and setting. All the tank team is great, including Shia who was a surprise after the 3 Transformer movies.
by htdrag11
Mon Nov 03, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 564
Views: 69068

Re: It's easy to be a "Wealth Manager" (humor)

:D

Nice Monty Python like humor for a Sunday afternoon. Thanks.
by htdrag11
Sun Nov 02, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: It's easy to be a "Wealth Manager" (humor)
Replies: 6
Views: 1751

Re: Strategy of 6M trusts meeting tonight. Few Q's

Thank you everyone again for your input. The confusing thing is, I hear a mixed message - basically that 0.5%-1.0% is pretty normal for a trust this size, if it includes all fees (this is that sort of arrangement - I have asked numerous times and that includes all sales fees if any waived, etc. Not...
by htdrag11
Sun Nov 02, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 64
Views: 6436

Re: What are you up YTD?

60-20-20 (equity-fixed-cash) but up 9%.

I rather be lucky than be good. :happy
by htdrag11
Sun Nov 02, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30232

Re: Oatmeal suggestions

Old fashion Quaker oats, cooked in water with organic chia, both from Costco.

I add raisins, nuts, and/or cranberries. Eat more during colder weather. Tried steel cut version but switched back since I'm not sure it was worth it.
by htdrag11
Thu Oct 30, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13616

Re: That stress-relieving thing you do at work

Mindfulness Meditation. Seriously. Shut the office door. Set a timer for five minutes (I use an app on my phone called "Insight Timer"). Do a simple breathing meditation, guiding your attention non-judgmentally back to your breath each time your mind wanders--which it will. Here's a good ...
by htdrag11
Thu Oct 30, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2937

Juiceman Pro and Breville RM-JE98XL for juicing

Wife is happy with the Vitamix and Juiceman. We also do a lot of juicing, like garlic, ginger and pineapple. The problem is the pulp so we're looking at a small Breville. Does anyone have experience with this Breville model which is on sale now? How powerful is it comparing to an old Juiceman (the V...
by htdrag11
Fri Oct 24, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Juiceman Pro and Breville RM-JE98XL for juicing
Replies: 1
Views: 337

Re: Livesoft - Thank you

arcane23 wrote:He's a rock star amongst other fantastic contributors here. I thank you livesoft for answering my PMs even though most of your answers ended with a question :-)


+1.

I also appreciate sscritic's views, though we do have our differences.
by htdrag11
Sat Oct 18, 2014 8:55 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5979

Re: Roll Call for the Retirement Class of 2014!

Victoria,

It is 25th of september, though I do have vacation paid till 2nd of october.

Cheers!
by htdrag11
Fri Oct 17, 2014 9:49 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29034

Re: Roll Call for the Retirement Class of 2014!

Retiring yet again on 25th of September for the nth time after consulting for 11 months. I was goofing off since January 2011. At 62, I could take it or leave it. My 1st 2 books were about life and meditation. Just took over one of my portfolios and transferred to vanguard, sitting on 20% this morni...
by htdrag11
Fri Oct 17, 2014 7:28 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29034

Re: Moving IRA from TD to Vanguard

Well, my wife said that I was just CHEAP! Vanguard is helpful but I felt intimidated investing such a large sum, not that I'm prescient about the market. If I do not liquidate 90% of that TDAmeritrade portfolio, I'll be fumbling during this downturn and become rudderless. Always move forward and do ...
by htdrag11
Thu Oct 16, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1446

Re: Moving IRA from TD to Vanguard

BTW, I do not need the money for 8 years due to RMD.
by htdrag11
Thu Oct 16, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1446

Re: Moving IRA from TD to Vanguard

Get a live! :mrgreen: You're faster than Vanguard services - I was on hold! You're correct! Got a ton load of cash to spend on Friday the 16th, representing 20% of my portfolio (about 70-30 mix). I was planning to buy on 6 consecutive Monday of equal parts of the following: a. All into Vanguard Well...
by htdrag11
Thu Oct 16, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1446

Re: Moving IRA from TD to Vanguard

Finally finished with working and moved one of my accounts from TD (a rollover IRA) to Vanguard.

Does it matter whether the account is called Traditional IRA or Rollover IRA? At the moment, it said Traditional IRA.
by htdrag11
Thu Oct 16, 2014 8:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1446

Re: Home security systems

Well, my ADT alarm went off last due to low battery, so I called and found out that I've no cancellation charges since I was with them since the Brinks takeover. Further, I told them that I was ready to cancel and jump ship to SimpliSafe at $15/month monitoring services. They gave me a whopping 50% ...
by htdrag11
Fri Oct 10, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 26
Views: 2882

Re: IRA transfer to different provider, 1099-R, 5498 confusi

This thread is very timely since I just did a transfer from my TD Rollover IRA to a Vanguard Traditional IRA. I'll watch out for these forms.
by htdrag11
Wed Oct 08, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA transfer to different provider, 1099-R, 5498 confusion
Replies: 18
Views: 1507

Re: Critically Acclaimed Movies you did not like

Actually I just bought the Gravity BR disk yesterday after watching it online last week when a colleague of mine (25 years younger and single) said he found it boring. When I was his age, I probably would have agree. Having a family and a child put me in a different perspective. Was it Oscar worthy?...
by htdrag11
Mon Oct 06, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 19522

Re: OTA HDTV - Best antenna to use?

go to the forums on tvfool and the pros there will tell you exactly what to buy and where to mount it Thanks for the tips. Got it working finally. Here is how I did it with the Leaf 50' amplified. Using the signal meter, I manually entered WABC - 7.1 in my area. I was able to lock in the digital ch...
by htdrag11
Sun Oct 05, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 8022

Re: OTA HDTV - Best antenna to use?

LadyGeek wrote:Does the leaf cover VHF? That's where NYC (7) and Philly ABC (6) are.


Upon further research, you're absolutely correct that they are both on VHF. The Mohu Leaf's VHF range is only limited to 20 miles.

Bummer!
by htdrag11
Sun Oct 05, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 8022
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