Search found 5903 matches

Return to advanced search

Re: Windows XP

I need Windows to run Netflix. Actually, you don't any longer, Netflix can now run in Linux (and without Wine or other workarounds). All I needed to do was get the chrome user agent changer and tell it to pretend it was running under windows. I did this about a month ago and it is working fine. Ins...
by jeffyscott
Mon Oct 20, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2959

Re: Windows XP

I need Windows to run Netflix. Actually, you don't any longer, Netflix can now run in Linux (and without Wine or other workarounds). All I needed to do was get the chrome user agent changer and tell it to pretend it was running under windows. I did this about a month ago and it is working fine. Ins...
by jeffyscott
Mon Oct 20, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2959

Re: Windows XP

Our desktop that had XP is now running Xubuntu the LTS version. I am also using Mint XFCE (LTS) on an older laptop and I have Peppermint (also LTS ubuntu based) on another old laptop which is connected to one of our TVs and used only for streaming to it. I began a transition to Linux about a year ag...
by jeffyscott
Sun Oct 19, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2959

Re: Queston About Funding 1st (Partial Year) of Retirement

I am a couple years away from that situation, but have thought about it some. For me one issue will be health insurance subsidies, but if you are in 25% bracket I would assume income is too high for that to be a concern. Another thing to consider would be the effect on taxation of SS benefits, if yo...
by jeffyscott
Sun Oct 19, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Queston About Funding 1st (Partial Year) of Retirement
Replies: 3
Views: 541

Re: Fidelity AMEX: Close Saphire and SPG

We do a lot of shopping at Costco, so I really should look into getting that Amex. Definitely do your due diligence. Costco purchases only earn 1% aside from gas and travel. That is wrong actually, the Fidelity AMEX is not a issued by AMEX itself, it's issued by FIA (BoA) and is just AMEX branded, ...
by jeffyscott
Wed Oct 15, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2257

Re: Fidelity AMEX: Close Saphire and SPG

For ongoing use, sure. I have not gotten around to getting a 2% card since Schwab's ended, but prefer my 1.5% cash rebates to airline points for ongoing use. I do cash in on sign-up bonuses, though. We do a lot of shopping at Costco, so I really should look into getting that Amex. Currently using a ...
by jeffyscott
Sat Oct 11, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity AMEX: Close Saphire and SPG
Replies: 14
Views: 2257

Re: Robert Shiller on What to Watch in This Wild Market

In three tumultuous days this week, the Dow Jones Industrial Average dived 273 points, then jumped up 275 points, then dropped 335 points. It's just not as thrilling and those dramatic verbs don't work, if that were written as something like: "In three tumultuous days this week, the Dow Jones ...
by jeffyscott
Sat Oct 11, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Robert Shiller on What to Watch in This Wild Market
Replies: 7
Views: 1977

Re: Why choose a LifeStrategy Fund?

LifeStrategy funds have not been subject to the sort of policy changes that the retirement funds have. In 20 years the only changes have been to drop the asset allocation fund and add international bonds. Seems like every bull market one company or another decides that everyone in their retirement f...
by jeffyscott
Sat Oct 11, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3570

Re: Paying off a 6.5% mortgage

For the sake of avoiding a few nuisance fees OP would be loseout on decades of investment returns, probably totaling hundreds of thousands of dollars, on the additional capital that he would need to employ when paying off the mortgage in whole. It's nice to know the stock market is a sure thing. Ma...
by jeffyscott
Tue Oct 07, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3575

Re: Moving to 3-fund - requires realizing large capital gain

However looking to the future not the past as the OP is correctly doing, and already having the 10 stocks, efficient markets would say there's no more chance of the winners lagging the market from here on than getting further ahead of it. So, assuming the individual stocks will be more volatile, mo...
by jeffyscott
Sun Oct 05, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2193

Re: Moving to 3-fund - requires realizing large capital gain

Besides, you have all these gains - $200K! You can't exactly call these stocks a mistake, even if one or two do go belly up. I think you are correct in changing over to index funds, but these stocks have served you well so far. Gains which can be locked in only by selling and paying tax. The choice...
by jeffyscott
Sun Oct 05, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2193

Re: Home Ownership Maintenance Reserve

If you have a solid emergency fund you don't need a home maintenance fund. If you want one I suggest looking at roof, heating, AC system, kitchen, etc condition and expected life and cost and plan for those costs rather than a generic 1% or whatever. I think you also need to look at when these thin...
by jeffyscott
Sun Oct 05, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Home Ownership Maintenance Reserve
Replies: 11
Views: 1579

Re: My 2015 Medicare Costs/benefit changes

Important also is the fact that the maximum cap on spending is still $3,400 - no change from 2014. I'm a long way from Medicare, but this would be the most important factor to me...what is the worst case for total max OOP + monthly premiums. Secondary consideration would be the expected total cost ...
by jeffyscott
Sun Oct 05, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: My 2015 Medicare Costs/benefit changes
Replies: 13
Views: 1422

Re: Pension buyout...take annuity now or later?

Regarding the potential exposure of Social Security benefits to taxation. Under current law 50% of SS is taxable at, I believe, $32,000 and 85% at $44,000 (based on 1/2 of SS benefit plus other income). This is not indexed to inflation. A typical SS benefit of, say, $20K today will be $33K after 20 ...
by jeffyscott
Sun Oct 05, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1486

Re: Pension buyout...take annuity now or later?

How did you get 85%? If I get a online quote it's more like 62%. See https://www.immediateannuities.com/ I guessed your "mid-forties" age as 45. Paying out that $33670 lump sum today only buys you a $441 single life annuity starting at age 65. JW And for single life starting immediately i...
by jeffyscott
Sun Oct 05, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout...take annuity now or later?
Replies: 20
Views: 1486

Re: Health Care FSA Questions

Just to make sure I'm understanding this correctly: FSA funds only pay for the current year expenses(you can only make claims until next year January). Say my current bill is $1200. I set up 12 monthly payments with the hospital starting in November. Will my "expenses" from the procedure ...
by jeffyscott
Sun Oct 05, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 317

Re: Health Care FSA Questions

Small correction: Also, regarding claims I made an error of saying January, but this depends on Plan. Some plans allow to submit the claims of previous year medical bills against previous year FSA balance amount until March of current year. Some allow expenses for medical bills through March of the...
by jeffyscott
Sun Oct 05, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA Questions
Replies: 5
Views: 317

Re: Annual savings to taxes ratio?

Might have been good to have some categories for savings at higher multiples of taxes than 2x?

Our savings was nearly 6x taxes.
by jeffyscott
Sun Oct 05, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Annual savings to taxes ratio?
Replies: 25
Views: 2324

Re: Paying off a 6.5% mortgage

IPer wrote:PS when I paid off the mortgage it made me feel like an alien, no one I ever spoke with about it could even understand what I was saying...


Yes, we were in our early/mid 40s when we became this variety of aliens and now, to add to our alien-ness, my wife is 50 and retired. :mrgreen:
by jeffyscott
Sun Oct 05, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3575

Re: Paying off a 6.5% mortgage

When we had a mortgage, we would put extra money toward the mortgage if the alternative was to invest in taxable accounts. We never had the option to get a loan at any lower than 6%, but then money markets were paying near that at times and I-bonds were at 3-3.6% (and for a while we did do those I-b...
by jeffyscott
Sun Oct 05, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3575

Re: Can I use a tablet for auto navigation?

Yes, we have done this both with phone and tablet using gps only, no data and free open street maps. Worked great on trip to Germany/Austria last year and trip to Oregon this year as well as for local trips. Love having the big 8 inch screen for this with the tablet. There are a few options for navi...
by jeffyscott
Sat Oct 04, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Can I use a tablet for auto navigation?
Replies: 9
Views: 909

Re: Medicare Advantage

You can also do this if you move to a different area.

Looks like all the possibilities are presented here: http://www.medicare.gov/find-a-plan/sta ... tions.aspx
by jeffyscott
Sat Oct 04, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 273

Re: Withdrawals in retirement from balanced fund

I ran out of the money market quite soon so I had to sell the stock containing funds. I really hated to sell the balanced funds at that point, but I had no choice. Well an option to avoid selling stocks, would have been to sell balanced fund and use 40% of it for spending, sending the other 60% to ...
by jeffyscott
Sat Oct 04, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Withdrawals in retirement from balanced fund
Replies: 10
Views: 926

Re: Should my wife continue her life insurance?

We are dropping my wife's life insurance this month. She is 50 and quit working this year, that ended her small amount of employer coverage. She also has a $250,000, 20 year term policy and the 20 years ends this month. When we bought her term policy, we figured we would no longer need the coverage ...
by jeffyscott
Sat Oct 04, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife continue her life insurance?
Replies: 6
Views: 1056

Re: Moving to 3-fund - requires realizing large capital gain

I sure would not want to risk keeping 80% of my money in just 10 stocks, but would the tax bill be reduced by spreading out the selling over more than one tax year?
by jeffyscott
Sat Oct 04, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to 3-fund - requires realizing large capital gains
Replies: 34
Views: 2193

Re: Amex Premium Car Rental Ins and Liability Coverage

Also I just noticed the language says: "except for vehicles rented in..."

So it appears the issue is where the rental originates, not where you are driving. Rent in Austria and drive into Italy and credit card coverage applies, rent in Italy and drive into Austria and it does not. :?:
by jeffyscott
Sat Oct 04, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Premium Car Rental Ins and Liability Coverage
Replies: 8
Views: 809

Re: Amex Premium Car Rental Ins and Liability Coverage

Amex coverage is worldwide, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do A few of those do not start with "I" and I see nothing about Iceland, India, Indonesia, Ir...
by jeffyscott
Sat Oct 04, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Premium Car Rental Ins and Liability Coverage
Replies: 8
Views: 809

Re: Chase Ultimate Rewards Program

Looks like that 25,000 point thing ends in about 3 weeks:
http://millionmilesecrets.com/2014/06/1 ... ing-trick/
by jeffyscott
Fri Oct 03, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 8595

Re: Assistance with Medicare costs for lowish income seniors

What does it cost now in NY , do you know? I did not, but now I do: http://www.dfs.ny.gov/consumer/medplan/medplanf.htm Oh, but there is plan F and high deductible plan F...so those are the wrong rates. I did find one reference stating "All 10 plan types were available in New York, as well as ...
by jeffyscott
Tue Sep 30, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 13
Views: 1068

Re: Maybe going back to cash isn't such a bad idea

Credit card fraud is the bank's problem, not mine.

Are they are paying the price for having dragged their feet on getting EMV chips, like the rest of the world? Has this has made the US the easiest target for credit fraud in the world?
by jeffyscott
Tue Sep 30, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Maybe going back to cash isn't such a bad idea
Replies: 18
Views: 2040

Re: Assistance with Medicare costs for lowish income seniors

Are you aware of this: http://www.ssa.gov/medicare/prescriptionhelp/

In addition to the advantage plans, also look at switching to high deductible medigap plan. The deductible is not really that high and even when my mom was 85 her premium would have been $99 per month.
by jeffyscott
Tue Sep 30, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 13
Views: 1068

Vanguard Annuity

I had a relative ask me about a high cost Variable Annuity. From what I can determine the costs with a income guarantee is 3.4-6% per year, plus a 4-8% surrender fee for 5 years. In looking for lower cost options, I discovered that Vanguard now offers an income guarantee rider with annuities. Do I u...
by jeffyscott
Tue Sep 30, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Annuity
Replies: 1
Views: 439

Re: Chase Ultimate Rewards Program

It's not even possible to sit in a coach class seat without your knees hitting the seat in front of you - and that's with the seat in front fully upright. It's worse when that seat is reclined. I've never had a problem with legroom in coach, of course I have seen some tall people who are cramped. I...
by jeffyscott
Tue Sep 30, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 8595

Re: Chase Ultimate Rewards Program

You could also just cancel the annual fee card right before the year-mark where it gets assessed and apply for one of the other annual fee cards which still provides you with the ability to transfer points to airline/hotel programs. This way you can also continue to accumulate the introductory poin...
by jeffyscott
Sun Sep 28, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 8595

Re: Advice for insurance for car rental (I don't own a car)

I'm still a bit unsure about damage to another car, but I'm told in a no fault state the other party is supposed to claim from his insurance and/or the most they can claim from me is $1k. I don't know how no fault works, but your $100K property damage liability would cover damage to the other vehic...
by jeffyscott
Sun Sep 28, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for insurance for car rental (I don't own a car)
Replies: 3
Views: 351

Re: Time to go back to cash and ditch the Credit Card?

Please add one more option: I would consider using cash more if I received a 2-4% discount on everything I buy as that's that CC merchant fees typically run. I picked the first answer as the survey is specifically about security issues affecting card use. But, yes, if one way or another I stopped g...
by jeffyscott
Sun Sep 28, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3310

Re: new construction water softener rough in

Waste of money and a scam. Just let the softener installer do the job. We did not pay for this and when the softener was installed the installer commented about people getting ripped off by builders making new houses "softener ready". Softener company in my area says on their website: &quo...
by jeffyscott
Sat Sep 27, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: new construction water softener rough in
Replies: 11
Views: 787

Re: Chase Ultimate Rewards Program

When I had a Chase Sapphire card I was able to transfer points at 1:1 to United and Southwest, for me this increased the value by over 50%. Not sure which other cards, if any, may allow these transfers. I could not transfer from Freedom card to airlines directly, but was able to transfer points from...
by jeffyscott
Sat Sep 27, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Chase Ultimate Rewards Program
Replies: 27
Views: 8595

Re: John Hussman, smart guy, should you listen to his foreca

dognose wrote: Even Hussman says he'll get back into the market when valuations are more attractive.


He didn't last time and said the same, didn't he...that he was waiting for more attractive valuations. More attractive valuations came and went, Hussman invented new reasons for still not investing.
by jeffyscott
Thu Sep 25, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 76
Views: 8255

Re: OTA HDTV - Best antenna to use?

One thing to think about: Get your antenna from a place such as Amazon with a good return policy. Amazon has a good return policy??? Rarely buy from there, but did so recently and the materials with the shipment said only that I can return unopened items. To me returning to a local store is much si...
by jeffyscott
Thu Sep 25, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6469

Re: Can estimated tax replace withholding?

Could whoever does get the trust assets after the man dies question this as seeming to be a scam to divert assets to his wife? (I mean if the taxes are being withheld from paychecks and they also are sending in "estimated" (over) payments and then saying the refund belongs to the wife) Wha...
by jeffyscott
Sun Sep 07, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can estimated tax replace withholding?
Replies: 11
Views: 682

Re: Proportion of Roth to Traditional contributions

I would check this great article out: http://thefinancebuff.com/case-against-roth-401k.html While there are certainly tax diversification benefits to a little Roth with your traditional 401(k), I for one go 100% traditional for the reasons in that article. It's the difference between marginal (now)...
by jeffyscott
Sun Sep 07, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Proportion of Roth to Traditional contributions
Replies: 16
Views: 1134

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

Note that Wellington and Moderate Growth have similar ERs (0.18% vs 0.16%) so it is unfair to say that Wellington's ER is high. Yep, you basically get the manager for free or maybe 9 or so basis points, if you compare to balanced index admiral. Some see having a fund manager as a negative. I just s...
by jeffyscott
Sun Sep 07, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5482

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

The indexes are just their performance benchmarks.
by jeffyscott
Sat Sep 06, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5482

Re: Poll: Cash Holdings

I think the OP really wants to know how many people hold significant fractions of their true portfolio assets in CDs and savings accounts or money market funds or something effectively the same as that. The answer appears to be that about a third of the respondents hold 10% or more in cash and two-...
by jeffyscott
Sat Sep 06, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3713

Re: Bonus - Where to apply it?

My 401k is through Fidelity. I can make additional payments electronically at any time as long as it is more than the set biweekly payment that comes directly out of my check... So any time I want to make an extra payment it has to be at least $113. The interest rate is 5.25%. The double tax does m...
by jeffyscott
Sat Sep 06, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus - Where to apply it?
Replies: 18
Views: 1592

Re: Bonus - Where to apply it?

But does the benefit of saving on interest out weight the risks and potential loss of gains with borrowing from a 401k? Well, you might avoid a loss, too. Would you borrow at 6.8% in order to invest in the 401k? Because it seems to me that's what you're doing. It is worth paying 6.8% to get the mat...
by jeffyscott
Sat Sep 06, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus - Where to apply it?
Replies: 18
Views: 1592

Re: Bonus - Where to apply it?

Thank you all. The $4000 is my estimate of what I will receive after taxes. My plan does allow me to contribute and get the company match while I am repaying my loan. I will start the contributions back up immediately. Maybe then you should contribute enough to get the maximum match, but also borro...
by jeffyscott
Sat Sep 06, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Bonus - Where to apply it?
Replies: 18
Views: 1592

Re: Poll: Cash Holdings

So it seems to me that a series I savings bond that is more than five years old is more cashlike than a CD is. And even after just 1 year, it is at least equally cash-like. I-bonds that are less than a year old might be questioned but that would not have changed my answer, it would still be 24-34%....
by jeffyscott
Sat Sep 06, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3713

Re: Poll: Cash Holdings

Financial dictionary, first definition of Cash: The value of assets that can be converted into cash immediately, as reported by a company. Usually includes bank accounts and marketable securities, such as government bonds and banker's acceptances. Cash equivalents on balance sheets include securitie...
by jeffyscott
Sat Sep 06, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3713
Next

Return to advanced search