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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 9:55 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 37
Views: 4017

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 10:49 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21408

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 8:28 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21408

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 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1295

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 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1295

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 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1295

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 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 22
Views: 1295

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 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 26
Views: 2609

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 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA transfer to different provider, 1099-R, 5498 confusion
Replies: 18
Views: 1357

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 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8017

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 8:15 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

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 6:20 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

For the price, either a 2 year old Lexus ES or a new Avalon. I found thew new Avalon one of the best looking Toyota, that says a lot for me since I recently bought a 2012 RX350 while I found the new Highlander got uglier. Out here in NJ, my friend just bought a Honda Hybrid w/ leather and Nav for ab...
by htdrag11
Sat Oct 04, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5317

Re: Cramer's sane moment on Gross' exit

Not sure if it's the right forum, but I found Cramer 's concluding remark rather apt for our group here: "But if you're trying to build a retirement portfolio that uses diversification and asset allocation to lower volatility, it's far simpler and more sane to own bond index funds instead.&quo...
by htdrag11
Fri Oct 03, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3169

Re: OTA HDTV - Best antenna to use?

I saw in fine print that VHF has a radius of only 20 miles. Guess a $10 rabbit ear might be better for VHF. Today I tried it in my MIL's place in CT off the north side of Long Island Sound; it could only pick up CBS and nothing else worthwhile to watch. NBC and ABC are within 40 miles. The back of h...
by htdrag11
Fri Oct 03, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: OTA HDTV - Best antenna to use?

Toons,

How far are you away from the tower(s)?
by htdrag11
Thu Oct 02, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: OTA HDTV - Best antenna to use?

Rather odd. The Leaf is suppose to support both VHF and UHF but it cannot pickup ANY VHF at all, so I did not see 6 or 7 for ABC in Philly or NYC respectively. Just a side note, my TV has usb inputs so I could just connect the amp directly to the TV's usb port, w/o using the charger at all, very nea...
by htdrag11
Thu Oct 02, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: OTA HDTV - Best antenna to use?

Got my amplified Leaf today. Played with it briefly and able to pick up CBS/NBC, but no ABC nor PBS 13 (but got WNJT), all on top of the Empire State Building. Bummer! Will play with it some more tomorrow. I moved it once to about 2 feet higher and picked up 8 more channels, for a total of 35. From ...
by htdrag11
Thu Oct 02, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: Cramer's sane moment on Gross' exit

That would put a lot of people in the financial services out of a job, probably causing another job bust and affecting consumer confidence.
by htdrag11
Thu Oct 02, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3169

Cramer's sane moment on Gross' exit

Not sure if it's the right forum, but I found Cramer's concluding remark rather apt for our group here: "But if you're trying to build a retirement portfolio that uses diversification and asset allocation to lower volatility, it's far simpler and more sane to own bond index funds instead."...
by htdrag11
Thu Oct 02, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Cramer's sane moment on Gross' exit
Replies: 24
Views: 3169

Re: OTA HDTV - Best antenna to use?

SuperSaver wrote:I got Mohu-leaf equivalent on Amazon. Works beautifully, and keep in mind my house surrounded by tall trees.


Add Netflix/Hulu Plus, and your "cable" bill is $20 tops/month


How far are you from the broadcasting tower? I just ordered mine last week.
by htdrag11
Wed Oct 01, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: "How Retirement Fees Cost You"

Timely.

After retiring for the nth time, I took over control of one of my portfolios that is under-performing and moving it to Vanguard this afternoon, probably saving me .6% annually.

I can be frugal. :happy
by htdrag11
Tue Sep 30, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2843

Re: How can I stop feeling depressed about my finances?

@Semiotic, You're doing fine; don't get down on yourself. When I graduated during the last century, I was an unemployed Math major who ended up selling life insurance for 4 years. So it could be worse! besides, English is a great transition skill; it's not even my native tongue. To find a better pay...
by htdrag11
Mon Sep 29, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13959

Re: OTA HDTV - Best antenna to use?

Wife said outdoor is ugly; watching TV and her Food TV is one of her few pleasures in life, so "hands off"!

Just try to keep peace.

Cheers!
by htdrag11
Sat Sep 27, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: OTA HDTV - Best antenna to use?

For anyone that uses or knows about OTA HDTV, what's the best antenna to use? I'm talking about an antenna that's placed by the window not in the attic.There are basic antenna or with boosters. I have heard many recommendations that the cheapest antenna will do fine as the signal is digital. If tha...
by htdrag11
Sat Sep 27, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6387

Re: New car and how to handle my father's trade in

Yep. Craigslist if you do not mind strangers coming to your house but my wife said NO! It's sad that you can't trust people these days. We live in a fairly well to do neighborhood.

Dealers make more money on the trade than a new car, any day.

Good luck.
by htdrag11
Sat Sep 27, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1788

Re: What Book Are You Currently Reading? Part VI

The Art of Effortless Living by Ingrid Bacci; it's good for the body and soul.
by htdrag11
Sat Sep 27, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 125
Views: 8384

Re: Help me divorce my Stocks

What percentage do these stocks represent in your portfolio?
by htdrag11
Sat Sep 27, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me divorce my Stocks
Replies: 16
Views: 1608

Re: TSP Withdrawal

It's getting repetitive.

DON'T!!!

[OT comment removed by admin LadyGeek]
by htdrag11
Sat Sep 27, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP Withdrawal
Replies: 7
Views: 602

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

This weekend I drove a Hyundai genesis AWD 2015. It is nicely built, is sporty, is relatively cheap, but it is a noisy car for this segment. It is noisier than my 2006 toyota avalon. I have eliminated it, I drove a 2011 and a 2013 Lexus RX and they were good cars and are under consideration. But I ...
by htdrag11
Fri Sep 26, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4286

Re: Acura RDX - test drove it again and it's about off my li

I cannot speak about Acura directly. My friend, who is native born, bought a 2013 Honda hybrid w/ the nav package. The beast would not understand what street or location he was talking about some of the time. He found it frustrating. His old Acura TL (2000?) which he traded in did not fare much bett...
by htdrag11
Tue Sep 23, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5464

Re: Acura RDX - test drove it again and it's about off my li

Well, if it makes you feel better about the Acura GPS, the 2012 Lexus RX GPS is a joke with a clumpsy joystick. I would prefer a smartphone or Garmin 5".
by htdrag11
Tue Sep 23, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5464

Re: Acura RDX - test drove it again and it's about off my li

The RX is my 3rd CUV/SUV, the 1st being the 2000 X5 3.0; sold it after 4 years of tiresome and expensive repairs, though mostly under warranty. My ego was much bigger too when I was younger. The rear passenger felt the "trucky" ride also, but not for the driver and passenger. My 2013 CX-5 ...
by htdrag11
Mon Sep 22, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5464

Re: Acura RDX - test drove it again and it's about off my li

Yup. It was a hassle driving a free loaner since I still need to stop in my dealer's shop. BMW priced the free 4-year maintenance in their selling prices. One car battery replacement out of warranty cost me $300 back in 2004. Enough said. For disclosure, I had one Honda and 2 Acura in the past; all ...
by htdrag11
Sun Sep 21, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5464

Re: When did you feel "Out of the Woods"?

BTW, someone I suggested that I should read Ernie Zelinski's book on The Joy of Not Working... It's one of the few books I actually bought in the last 3 years. Age wise, I'm not ready to collect my SS checks yet.
by htdrag11
Sun Sep 21, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5448

Re: Acura RDX - test drove it again and it's about off my li

Subjectively I cannot deal with the Toyota'sfront facade, so went w/ a 2012 RX350 CPO. Also test drove the 2015 Outback, nice car but the front looks worse than the old Outback; both are lower than most CUV/SUV. Also the model that I want w/ options was about $32k w/ only $500 discount (1st year car...
by htdrag11
Sun Sep 21, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX - test drove it again and it's about off my list
Replies: 58
Views: 5464

Re: When did you feel "Out of the Woods"?

+1. I'm a positive thinker. For the eighth time, I'll be retiring next week. Just had a positive check up to boot, so is the wife. A few years ago when my workplace moved, I've problem transitioning (not money). I've a healthcare package to cover wife and me, plus a pension (a rarity these days). Ou...
by htdrag11
Sat Sep 20, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5448

Re: Amazon.com as a selling service

I avoided eBay when selling hi-end item (over $1k) due to their continuing drive toward higher profits for themselves. When using Craigslist, I prefer to meet in public places rather than seeing the item at home. It's sad statement about the time we live in. So far I've been lucky in terms of both b...
by htdrag11
Sat Sep 20, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com as a selling service
Replies: 17
Views: 1837

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

... You can look up for free the carfax reports on the cars before you go. Look at truecar.com, edmunds.com, kbr.com, etc. ... Have always liked the RX 350 . Prompted by livesoft's older RX post, I started to shop. I discovered that we can not get Lexus RX 350 pricing reports from these sources. Fo...
by htdrag11
Fri Sep 19, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4286

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

htdrag, I assume that you are talking about the McGrath Lexus dealerships (downtown chicago (division st) and Westmont). There is also an Arlington Lexus, Palatine and Lexus of highland park. Any thoughts on any one being better than other. Thx. No. I'm in NJ; the dealer is Ray Catena who strives t...
by htdrag11
Fri Sep 19, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4286

Re: External backup drives - Seagate vs Western Digital

I must have bad luck with Seagate; need to return one under warranty but that was 4 years ago. It is still running today. The refurbished drive runs fine as long as I'm using the 2.0 cable that comes with Seagate; it is very sensitive comparing to my WD and Toshiba (neither have any problems) which ...
by htdrag11
Thu Sep 18, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 2878

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

Nice info to have before going to the dealer. Thx. The car was on the lot over 62 days, giving me add'l leverage. They have over 50 in the lot all with crazy sticker prices. They also have another dealership (same owner) about 15 miles away. Their original dealership is about 30 miles north, so all...
by htdrag11
Thu Sep 18, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4286

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I got lots of help from livesoft when I bought a 2012 RX CPO in August 2014. The sticker price was $37,700 but out the door (not counting taxes, license, registration, etc.) was $32,500 with 20k miles but got some minor scratches; also I did not get the navigation package nor the parking assist feat...
by htdrag11
Tue Sep 16, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 63
Views: 4286

Re: AT&T Retiree Mobile Share Value Plan discounts

The plan applies to 2 smartphones and one tablet for sure. I used the build scenario and came up with the 3rd phone but you might be right. The 3rd one is nice to have, not a must.

The discount only applies to the monthly service charges, not the phones.
by htdrag11
Mon Sep 01, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Retiree Mobile Share Value Plan discounts
Replies: 2
Views: 494

AT&T Retiree Mobile Share Value Plan discounts

I was made aware that for my location in NJ, I could get a 30% discount on the service portion, which is $145 vs. $102 for a family of 3 smartphones w/ 10Gig data max. Currently we're on VZ w/ only 1 smartphone (our child) for $130/month using only 3Ggig of data/month. This plan allows for 1,400 min...
by htdrag11
Mon Sep 01, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Retiree Mobile Share Value Plan discounts
Replies: 2
Views: 494

Re: Which generator do you have?

Kohler, 14k, gas; I am cheap

It was about $7k from a small outfit.

Wife is very happy so it worths every penny.
by htdrag11
Mon Sep 01, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8789

Re: What Movie Have You [Recently] Watched?

Maleficient, not quite what I expected from disney, good family entertainment.

I also have seen Heaven is for Real; it's harmless.
by htdrag11
Mon Sep 01, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6653

Re: That sudden moment when Money is not a Problem

Sorry to hear that; we're all mortals. I went out an bought a 3-year old Lexus and replacing a 2-year old Mazda this week, quite unlike me. When my wife asked me why, I just said that I'm worth it... (it's too bad that Tesla has not brought out the X model yet). I'm slowly getting back to the habit ...
by htdrag11
Fri Aug 08, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6820

Re: How does car trade-in work?

rj49,

You've a good point. Normally I do not trade in and sell it on my own, let alone a 2-year old car. Have I've been buying a car (new or used), it would be much simpler. It's worth $400 to me if I have to do it again.

it's a jungle out there.
by htdrag11
Sat Aug 02, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4596

Re: How does car trade-in work?

Concluded the deal today.

Got a great price on a 2012 CPO (it was sitting for 62 days in the lot, for about $2-4k under Edmund's CPO price) but lost out on the trade-in by $1.5-$2k.

Thank you for all the help, especially livesoft.
by htdrag11
Sat Aug 02, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4596
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