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Re: Checking monthly - may not even notice the October "cras

Hopefully all you windfall-recipient investors who moved in at high prices during the year took advantage of the October dip to harvest losses.
by jebmke
Fri Oct 31, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3627

Re: Heat pump question

drawpoker wrote:Yep.
Another reason for radiant heat - give 'em an idea of what they were soon getting into. :P

Assume you don't mean a tan. :P
by jebmke
Fri Oct 31, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

drawpoker wrote:"reception" area for the temporary, er, guests of the establishment.


You mean the departure lounge?
by jebmke
Fri Oct 31, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: iPad Air 2 - 16 or 64 Gig?

At just over $100 I am tempted by this

http://www.neweggflash.com/Product/34-2 ... 34-231-153
by jebmke
Fri Oct 31, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 33
Views: 2262

Re: Heat pump question

Of all the systems we have had over the years, hot water radiators were the best.
by jebmke
Fri Oct 31, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

Even if the air were to shoot out at 100 degrees or more, by the time it gets to you (from the vent up top) it is probably much cooler as well. With our system it doesn't shoot out unless it is trying to really recover from a lower temperature. I have only heard it go at full blast a couple of time...
by jebmke
Fri Oct 31, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: home insulation question

I would look into a home energy audit which is often subsidized or even free through your local utility. They will give you a good sense of what the issues are and what's most cost-effective to fix. Agree. Make sure it is a real audit and not just a cursory check. They should do a full blower test ...
by jebmke
Fri Oct 31, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: home insulation question
Replies: 5
Views: 387

Re: Heat pump question

++ on getting a manual J done. Explore your variable speed air handler & compressor options for the sweet spot in $$$/complexity vs comfort. I would place more value in a sharp, knowledgeable and thourough installer than the particular brand of equipment. That is what I heard from multiple sour...
by jebmke
Fri Oct 31, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

Even our older system rarely kicked on the heat strips. When it got below 30 outside and the system was coming off night setback they would run for 15-20 minutes to get a boost, then the compressor would be supplying heat after that. With our new system, the compressor was still supplying heat down ...
by jebmke
Thu Oct 30, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

I don't think there is a major air leak, although I have not had it tested, when I decided to replace the cheap doors I did a smoke test around the house and did not find any bad drafts other than around the doors. We had a free energy audit done a few years ago. Full blower test/thermal imaging. M...
by jebmke
Thu Oct 30, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

Back to OP's question. We had our heatpump system (outside unit and air handler) replaced two years ago. The previous one was over 10 (outside) and over 30 (airhandler). We installed a two stage outside unit with variable speed air handler. In addition to lowering our running cost, the system is muc...
by jebmke
Thu Oct 30, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

tomd37 wrote:Thanks Jim. At age 77 I think about my own "infrastructure". :)
Tom

That's why I don't buy age-worthy red wine to cellar anymore. Can't count on being around when it is ready to drink. :annoyed
by jebmke
Thu Oct 30, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: Heat pump question

It's time to a least think about a replacement system. Sounds like it might be a very inefficient system even when running. You could probably contact the manufacturer with your model and serial number and find out more about its efficiency. R22 refrigerant went out many years ago and is extremely ...
by jebmke
Thu Oct 30, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 2064

Re: What online banks do you like for savings or MMA?

I use American Express High Yield Savings, but the rate 0.80 is not great (I always choke when writing "High Yield"). Their website is easy to use and their execution is quick. I was thinking of trying Optimizer Plus (Synchrony Bank). High Yield Savings is 0.95. I heard they were good. I ...
by jebmke
Wed Oct 29, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 2617

Re: Checking monthly - may not even notice the October "cras

careytilden wrote: But it's hard to shake the feeling of collective amnesia when you pop in and see the respective posts getting lots of activity at predictable times.

Much like a murmuration of starlings, maybe. If you have ever seen a large one, they are quite spectacular.
by jebmke
Wed Oct 29, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3627

Re: New Pool...equipment advice

95-100 degrees is more like a hot tub. Our YMCA has a warm pool (for paddlers of all ages) and a cool pool for lap swimmers. The cool pool is usually around 80 and the warm pool 86-88. We have an in ground pool for summer use. The only "extra" equipment besides the required filtration syst...
by jebmke
Mon Oct 27, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: New Pool...equipment advice
Replies: 9
Views: 778

Re: Google Docs

For my TaxAide group we maintain a series of folders in a Google Doc account with various content (IRS pubs, training doc etc.) that replicate automatically to all the PCs in the group (approximately 40). It is a good system once you learn how it work. If you're a member of a Google group then yes ...
by jebmke
Mon Oct 27, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1424

Re: Google Docs

How did you access Sidney's document? Google writes that "Anyone who is given the link to the file or folder can access it." Uber - look at the instructions that Richard provided and you will see how to share out the file. Using the link is great for one-offs or broad use by non Gmail acc...
by jebmke
Sat Oct 25, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1424

Re: Putting Office on Surface Pro

ubermax wrote:Just wondering how others have put Office on their Surface ; is a web download an option ??

You should be able to get the media from MS via download. I haven't used a DVD to load software in a long time.
by jebmke
Fri Oct 24, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Putting Office on Surface Pro
Replies: 9
Views: 767

Re: NJ - Buying house in flood zone (FEMA)?

I live in Mercer County NJ and was not aware we had flood zones here as we are so far inland and for the most part not near bodies of water.. Are you absolutely certain that the basement has never flooded (people sometimes tell mistruths on disclosures)? But also, you have mandatory flood insurance...
by jebmke
Fri Oct 24, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 42
Views: 2033

Re: How did you buy your largest home?

We rolled gains forward. Current house is debt free. Of course, like all houses, it is a cash sinkhole.
by jebmke
Thu Oct 23, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2650

Re: investing during retirment

southlooprunning wrote: Had they had what they needed to live on in cash
or bonds. I had no cash. Selling bonds works fine for buying food and re-balancing.
by jebmke
Thu Oct 23, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2036

Re: Paying Estimated Taxes

Don't forget state taxes if you live in a state with income tax. While you may be exempt from penalty due to safe harbor, you might want to pay the estimated tax before January 1 in order to deduct it in 2014.
by jebmke
Thu Oct 23, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying Estimated Taxes
Replies: 6
Views: 399

Re: US Chip & Signature --> Chip & PIN 2020

iPhone users also tend to be the most affluent of all, with an average household income of $105,200, with Android trailing on that count with average income of $89,300. That’s a key metric for developers and brands looking to recoup the investment associated with creating software, since it stands ...
by jebmke
Thu Oct 23, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1318

Re: US Chip & Signature --> Chip & PIN 2020

PINs can be changed with Chip & PIN cards, at least most versions. You have to go to an appropriate machine, such as an ATM with the necessary facilities. Unfortunately, the US lacks the infrastructure. At our bank, we were able to set our PINs on our cards when we lived in Europe so I know the...
by jebmke
Thu Oct 23, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1318

Re: New B of A visa chip card, no pin needed?

I've never been asked for a PIN internationally. Each time it's been a signature. Then you have only used your card when humans are present. In Europe especially there are a lot of transactions done at unattended locations (think parking lots, gas stations, subway stations, toll booths -- many of t...
by jebmke
Thu Oct 23, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2566

Re: Just wondering how you personally calculate net worth

I don't adjust anything. The only time I create a Net Worth statement is to provide it to the attorney who prepared my will. This isn't for anything official. It is just for fun. I was just wondering how other people view it. What you are using it for will determine how you calculate it. What are y...
by jebmke
Wed Oct 22, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3725

Re: locating a competent PC repair shop........

Toons wrote:Virus removal is really not that difficult . :happy

Simple re-installation of the OS will cure any virus.
by jebmke
Wed Oct 22, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 806

Re: locating a competent PC repair shop........

I will say that in general most repairs don't make sense on a cost/benefit analysis. Most credit cards will give you an extra year of warranty. Which means unless you spill coffee on your motherboard, the repair is needed in year 3 by which time, something new is cheaper than the repair in many cas...
by jebmke
Wed Oct 22, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: locating a competent PC repair shop........
Replies: 12
Views: 806

Re: US Chip & Signature --> Chip & PIN 2020

It's shocking how far USA is so far behind the rest of the world in basic tech. I get stronger Wifi in Ho Chi Minh City than in California; the whole of Tel Aviv is a free wifi zone; whole African countries pay for goods by swiping their cell phones. Chip and pin will be ancient, fuddy-dud stuff by...
by jebmke
Wed Oct 22, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Chip & Signature --> Chip & PIN 2020
Replies: 24
Views: 1318

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Its the same reason they think they can run a business just perfect! When I was working (finance side of the business), engineers had all kinds of ideas on how my part of the biz should be managed. I finally cut a deal with them. I would refrain from re-designing their stuff and they would leave my...
by jebmke
Tue Oct 21, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 132
Views: 9567

Re: Vanguard website down

I just got in. No problem. Maybe a rolling update through the server farm. That said, there wouldn't be a lot new at this hour. All the fund pricing hits later.
by jebmke
Tue Oct 21, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 862

Re: online shopping for laptop PC

Just bought 9 Lenovos for TaxAide. They are nice machines. Amazon and Newegg had comparable prices but Newegg (preferred) couldn't supply nine so we went with Amazon. If I were buying for myself I'd look at Lenovo or Asus.
by jebmke
Mon Oct 20, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1314

Re: Advice sought for $6M investment

In your tax bracket I wouldn't hold CDs or taxable bonds in the taxable accounts. I'd look at some combination of LTD Term TE Bonds and Intermediate TE bonds if going with all Vanguard funds.
by jebmke
Sun Oct 19, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3714

Re: What Book Are You Currently Reading? Part VI

The Last Alibi, by David Ellis
by jebmke
Sun Oct 19, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9861

Re: Debit Card was hacked. Should I just use cash from now

Not a fan of using any type of plastic for small purchases like getting coffee. One of the problems with the "small purchases" is convenience. You still have to swipe and in many cases, sign (although increasingly that is going away, it seems). In Belgium, our ATM card had a chip on it ca...
by jebmke
Sun Oct 19, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3377

Re: What tax software do you use and why

I used TurboTax for years. As they becameemore and more popular, I expected their prices to drop due to economy of scale. However, the opposite happened. I changed to TaxAct years ago and am completely satisfied. My taxes are not all that complicated and any tax program would work. I have to wonder...
by jebmke
Sat Oct 18, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: Anyone cancelling travel plans?

We have stopped watching "Dallas." Too risky.
by jebmke
Sat Oct 18, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Allow OP to lock thread?

I wish there was a Tag function where you could tag a post for future reference. I'm sure this has been asked for before and can only assume it is not an easy function to implement. Allan You might look into Evernote. There are a lot of alternatives within Evernote ranging from copying the entire t...
by jebmke
Sat Oct 18, 2014 11:46 am
 
Forum: Forum Issues and Administration
Topic: Allow OP to lock thread?
Replies: 17
Views: 1469

Re: Anyone cancelling travel plans?

stan1 wrote:Actually the opposite. I'm hoping this creates some good buying opportunities so we can go on some luxury vacations at a great price. We got some great airfare and cruise bargains back in 2009/2010.

Same here. We went to Italy in 2009. Great prices for air and hotels.
by jebmke
Sat Oct 18, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: How much capacity for a new tablet?

Any new info on when Nexus 9 will emerge? I was also looking at a Samsung S8.4 which seems to have good features and you can plug in an SD card to expand.
by jebmke
Sat Oct 18, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: How much capacity for a new tablet?
Replies: 8
Views: 729

Re: Anyone cancelling travel plans?

sambb wrote:Wow. It seems that one is far greater risk of dying in a car accident, getting hit by a drunk driver. Financially, might be prudent to just stay at home if this is one's concern.

Sock away a few hundred gallons of fresh water, 250 pounds of Slim Jims and a dozen large 12-roll packages of TP.
by jebmke
Sat Oct 18, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6323

Re: Debit Card was hacked. Should I just use cash from now

Credit cards for as much as possible. Some routine charges on DD and the rest billpay. Using CC makes it easy to plan cash flow for the month.
by jebmke
Sat Oct 18, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3377

Re: What tax software do you use and why

Taxwise Online. As TaxAide volunteer I have free use. Access to all states, free efile. Very easy to use in forms mode instead of interviews.
by jebmke
Sat Oct 18, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: Your personal risk level: Got your flu shot yet?

I get one in early November every year. Haven't been sick since 1997.
by jebmke
Thu Oct 16, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Capital One chip card!

Their FAQ says it will be a Chip & Signature card with no PIN to remember, as if that's a benefit. It's probably a benefit in the US, but I won't be able to use it to buy train tickets at Amsterdam Centraal station's vending machines. http://www.capitalone.com/credit-cards/chip-cards/ You won't...
by jebmke
Wed Oct 15, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1233

Re: Capital One chip card!

Their FAQ says it will be a Chip & Signature card with no PIN to remember, as if that's a benefit. It's probably a benefit in the US, but I won't be able to use it to buy train tickets at Amsterdam Centraal station's vending machines. If you don't have a PIN how can you use the card at regular ...
by jebmke
Wed Oct 15, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1233

Re: Headed for a 300+ point loss today?

Does anyone remember this day when the Dow lost 300 pts? :happy "The Dow Jones industrial average (INDU) lost almost 300 points, or 4.2% to end at 6763.29, its lowest point since April 25, 1997" http://money.cnn.com/2009/03/02/markets/markets_newyork/ Don't recall that day but I do recall...
by jebmke
Wed Oct 15, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30545

Re: What services like Amazon Prime do you share to save?

Sunny Sarkar wrote:Is it possible to share Amzn prime without exposing the credit card information - I am interested in sharing the videos only but not the ability to order on my card.

That may be a violation of their Terms of Service.
by jebmke
Tue Oct 14, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1507
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