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Re: LED bulb prices

LEDs are about 1/4 the wattage or less, so would put out less than 1/4 the heat for the same amount of light.
by jeffyscott
Tue Apr 22, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8593

Re: Need advice on financial planning at age 40

I wasn't sure what you meant by "4.6%"-- what does this refer to? $385 per month x 12 = $4620, so with $100,000 equity in the house that is a 4.6% return. I am not that familiar with how taxes work with rental property, but I would think the interest is an expense. There is also the tax c...
by jeffyscott
Sun Apr 20, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on financial planning at age 40
Replies: 16
Views: 2047

Re: Dehumidifier for humid basement. I want one that lasts.

Many dehumidifiers now have a filter screen, so you would clean that rather than trying to clean between fins. (Why don't refrigerators have a filter like this?)
by jeffyscott
Sun Apr 20, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 12
Views: 928

Re: Need advice on financial planning at age 40

We don't lose or gain any money with the rent/mortgage (the rent covers the mortgage pymt, the cost of a property manager, and a monthly student loan pymt of 385). When you say "mortgage payment" is that including taxes an insurance? If so then it sounds to me like you are earning a net o...
by jeffyscott
Sun Apr 20, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on financial planning at age 40
Replies: 16
Views: 2047

Re: POLL: why carry cash?

7) Particularly with smaller businesses I don't want to unnecessarily burden them with fees. I don't overthink that one though -- if they've made a business decision to accept cards I'll use the cards if convenient for me. Yes, it is the business' choice. I'll use cash when they offer a discount th...
by jeffyscott
Sat Apr 19, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7333

Re: POLL: why carry cash?

gvsucavie03 wrote:I'd rather deal with spare change than putting all of those receipts into my excel file.


Who does that? I don't do anything with receipts. We just look at the credit card bill and recognize the charges.
by jeffyscott
Sat Apr 19, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7333

Re: Help select laptop

My wife got a refurbished Dell laptop for $325 last Sept. She wanted a matte screen, which seems to be only available in "business" laptops and never stocked by retailers. She also wanted Windows 7, not 8. Shopped on Lenovo outlet, HP outlet, and Dell outlet these places seemed to have the...
by jeffyscott
Sat Apr 19, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 1425

Re: Dehumidifier for humid basement. I want one that lasts.

After a few years they keep running but take less and less moisture out of the air. Eventually they take no moisture. I have wondered about that as it seemed like our old one was maybe running but not doing that much. I thought about replacing but every time I checked there was still water coming o...
by jeffyscott
Sat Apr 19, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 12
Views: 928

Re: "Best" place for new tires and tire protection plans = B

I never pay for road hazard warranties, but the manufacturer of Continental Tires has included a 12 month road hazard warranty free with their tires. This is a nice extra and paid off once for me, don't know if they still do this. Continental was also a good choice for me in that they have a 6 year ...
by jeffyscott
Sat Apr 19, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: "Best" place for new tires and tire protection plans = B.S.?
Replies: 34
Views: 2212

Re: POLL: why carry cash?

If you tip in cash, then this encourages them to cheat and not report their earnings to the IRS. And people complain how the government never has any money...... This goes for those small businesses that some are so worried about burdening with credit card fees, paying in cash allows them greater o...
by jeffyscott
Sat Apr 19, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7333

Re: POLL: why carry cash?

I live in a backward Eurozone country in which cards are not always accepted. We have only made two trips to Europe (Norway, Germany, Austria) and it seemed rare for cards to be accepted. In the US even B&Bs with a couple rooms take cards but there almost none did and even larger Pensions and s...
by jeffyscott
Sat Apr 19, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7333

Re: Looking for Low-Cost Eyeglass Shop I can visit

You must be given your prescription, you should not even need to ask: http://www.wptv.com/news/state/federal- ... -best-deal

For as long as I can remember, my optometrist has done this.
by jeffyscott
Wed Apr 16, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1493

Re: GMO Forecasts now include Value and Growth

I think page 2 exists, they just stopped making it available to the general public, so maybe they accidentally had put the client version in the public place?
by jeffyscott
Wed Apr 16, 2014 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1117

Re: GMO Forecasts now include Value and Growth

All their forecasts that I've seen until recently showed Blended asset classes (e.g. US Small), but didn't break down their forecasts into Value & Growth (e.g. US Small Value & US Small Growth). Their forecasts as of March 31, 2014, now show additional breakdown details, which may be of int...
by jeffyscott
Wed Apr 16, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: GMO Forecasts now include Value and Growth
Replies: 17
Views: 1117

Re: Looking for Low-Cost Eyeglass Shop I can visit

They don't have stores everywhere, but we have been happy with Shopko Optical prices and selection. They have a much greater selection of lens designs and materials than Costco, e.g. free form lenses, Trivex (not the thinnest but it is the lightest lens material and, unlike high index, has optics se...
by jeffyscott
Wed Apr 16, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1493

Re: Student Loan Repayment by Employer Counting as Taxed Inc

Im not sure that I have options with regards to either; aside from shelling out roughly $3500 of post tax income for the next 120 months (or larger balances in a shorter period) . As far as I understand any breaks that you get for paying student loan interest dematerialize as you move up in tax bra...
by jeffyscott
Wed Apr 16, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment by Employer Counting as Taxed Income
Replies: 16
Views: 913

Re: Whats with the internet cap-100GB/ month?

Cable service have been losing business to services like Netflix. AT&T have been losing phone over VOIP. There is a trend for people to cut the cable and go internet only and then stream TV and phone through another service. We resemble that remark. TWC was charging us about $120 per month for ...
by jeffyscott
Mon Apr 14, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Whats with the internet cap-100GB/ month?
Replies: 11
Views: 1216

Re: Does android tablet need strong password?

I just got a new samsung tablet and in setting it up it asked if I wanted to allow locking or erasing it if lost. This post reminded me that I wanted to check out how that would actually be done... http://www.techhive.com/article/2049308/how-to-use-the-new-android-remote-lock-option.html After readi...
by jeffyscott
Mon Apr 14, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Does android tablet need strong password?
Replies: 3
Views: 370

Re: If Social Security wasn't mandatory, would you contribut

I would think it is also a good deal for a couple when only one spouse is working.

The 6.2% funds more than just a retirement benefit, it also covers disability insurance. Pension (and survivor) benefits are covered by 5.3% and disability accounts for 0.9%.
by jeffyscott
Sun Apr 13, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: If Social Security wasn't mandatory, would you contribute?
Replies: 9
Views: 759

Re: I have a cell phone and am in search of a carrier

A search for: "bring your own sprint device" seems to indicate the devices have to be older to qualify, one indicated that they had to have been on the market for over a year. In the past I do know that people had success getting sprint phones activated on Boost, even though this was not s...
by jeffyscott
Sun Apr 13, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: LED bulb prices

We never set them that low, but testing them it seems like its possible but may take some fiddling, at least with the switches we have. We are not big users of dimmers, have only two switches and I did not put anything special in for the LEDs. If you are going to buy from Costco, you can always retu...
by jeffyscott
Sun Apr 13, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8593

Re: I have a cell phone and am in search of a carrier

You might see if you can activate it on Boost Mobile, that's Sprint's own prepaid service.
by jeffyscott
Sat Apr 12, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: I have a cell phone and am in search of a carrier
Replies: 24
Views: 1239

Re: Windows XP to Linux Question with existing HW

You would choose the desktop, as you can see they have XFCE in the latest version: http://www.linuxmint.com/download.php

Or if you want the LTS release (13), you can get that in XFCE also by going to all versions.

There should be a new LTS release soon, though: http://blog.linuxmint.com/?p=2594
by jeffyscott
Mon Apr 07, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2358

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

Might not fit into your short trip, but we liked both Wupatki National Monument and Walnut Canyon National Monument near Flagstaff.
by jeffyscott
Mon Apr 07, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1076

Re: LED bulb prices

I imagine it would take many years to recoup the investment of even a $5 60W LED vs a 50 cent incandescent if you only leave it on an hour or two a day. It would be better to calculate than imagine. At one hour per day, assuming 15 watts vs. 60 watts, the savings would be 45 watts per day and about...
by jeffyscott
Mon Apr 07, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8593

Re: Barclay 5 yr. CD and Dream account savings

I could read that several ways, including taking your total interest multiplied by 0.025 and that's the bonus. (2.5% of the INTEREST, not the principal) Seems pretty clear that this is exactly what they are saying. So if you deposit $1000 for a year, the interest would be $9.50 (ignoring compoundin...
by jeffyscott
Sun Apr 06, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 537

Re: Most efficient bond maturities for lower stock allocatio

Seems to me he says, based on past history, anyone with less than 80% stocks should use 5 year treasuries. He also says longer term bonds gave higher returns, but were less efficient based on volatility. My reading is that at 80% or more stocks that extra volatility from the 20% or less in long term...
by jeffyscott
Sat Apr 05, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Most efficient bond maturities for lower stock allocations?
Replies: 8
Views: 568

Re: GPS with "favor interstates" option?

I have an old Magellan that has the opposite problem, it will send you far out of your way just to spend more time on freeways. It drastically underestimates the speed of traffic on non-interstates in Wisconsin. One trip of about 55 miles that I was making, google fairly accurately predicts as about...
by jeffyscott
Sat Apr 05, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1343

Re: Automobile Medical Payments

furwut wrote:Some insurers would require a commercial policy for anybody using their vehicle for delivery. It's often overlooked until a claim is made.


Yes, he has commercial insurance and, as there is only one company that will cover pizza delivery, they get to take about 10% of his gross income.
by jeffyscott
Wed Apr 02, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Automobile Medical Payments
Replies: 21
Views: 1151

Re: retirement income question

If I currently have 800,000 in investments and I was to put all of that in the total or intermediate bond fund and reinvest dividend for 5 years before I retire,I should be able to live off the dividends without touching the principal.This money is all in IRA's.Am I missing something or is this the...
by jeffyscott
Tue Apr 01, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: retirement income question
Replies: 10
Views: 1218

Re: Roth IRA

Roth should be tax free. Here is some other info that may or may not be useful:
http://www.aarp.org/money/investing/inf ... ras.1.html

There could be gift tax issues in distributing it, maybe that would just be a filing requirement, though.
by jeffyscott
Tue Apr 01, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA
Replies: 3
Views: 268

Re: Time and benefits vs. money.

Have you contacted recruiters to see if there is an Option C out there- possibly a private sector job that is closer to 40 hours... Is there such a thing anymore? Never been in the private sector, but my impression has become that the expectation is that you will be a workaholic in any private sect...
by jeffyscott
Mon Mar 31, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time and benefits vs. money.
Replies: 21
Views: 1574

Re: Vanguard ROTH as 2nd tier emergency fund

I think the move is okay, if the risk of losing your job is very low and you have other sources of emergency funds, such as a home equity line of credit.
by jeffyscott
Sun Mar 30, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard ROTH as 2nd tier emergency fund
Replies: 9
Views: 574

Re: Keeping track of expenses, early retirement?

I use my current expenses, subtract those I will eliminate in retirement, and increase those on the activities that I will do more of. I do something similar on an annual basis, except I don't really expect higher expenses for retirement activities so it more just adjusting for changes like health ...
by jeffyscott
Sun Mar 30, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping track of expenses, early retirement?
Replies: 32
Views: 3535

Re: "Protecting Your Portfolio From Old Age"

It seems to me that if you are worried about your mental decline, then the best approach is to use one of the target retirement funds at Vanguard with automatic rebalancing. Another option is to simplify your portfolio to three funds and pay someone at Vanguard to rebalance it once a year. Although...
by jeffyscott
Fri Mar 28, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2178

Re: Discussing/revealing salary with others/coworkers

My employer will soon be putting my pay (as well as every other employee's pay) on the internet. I guess it is not enough that the newspaper and several other sources already do this, with a lag of about 18 months.
by jeffyscott
Thu Mar 27, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6627

Re: How much water do you drink every day?

I'd say maybe 1/2 to 1 gallon, all unfiltered municipal tap water. I refill a plastic water bottle at work, it is about 24 oz. and I fill it 2-3 times. At home I probably have at least another 2 or 3 12 oz glasses on work days. I probably drink somewhat less water on days off as I am not sitting at ...
by jeffyscott
Thu Mar 27, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2855

Re: Installing Win8.1 on an old PC - one successful data poi

That article goes on to highlight this with bold type: "...optional with all our Windows 8 PCs -- a Windows 8 makeover to look and act more like Windows 7". So 18 months after MS put this new OS out the best you can hope for is "it's not that bad" and the most exciting news is th...
by jeffyscott
Wed Mar 26, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1593

Re: William Bernstein-When you've won the game, why keep pla

On a more down to earth basis, I think that most would agree that losing $990,000 out of $1,000,000 feels worse--a *lot* worse--than losing $1,000,000 out of $10,000,000. How about losing $9.99 out of $10? :happy I think it can also depend on other things, like income. What if the person with $1,00...
by jeffyscott
Tue Mar 25, 2014 6:23 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 25059

Re: SPIA for 90 year old woman

Skilled nursing qualifies for Medi-Cal but assisted living doesn't. It seems unlikely it will be an issue in this case, but this: http://www.dhcs.ca.gov/services/ltc/Pages/ALWPP.aspx appears to indicate that California has (or at least had, up until a few days ago?) a Medicaid waiver program to pay...
by jeffyscott
Mon Mar 24, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Parent Entering Assisted Living
Replies: 25
Views: 2057

Re: Faulty Logic [Asset Allocation nearing Retirement]

March, 2015. And actually I'd probably leave sooner but I have to be 55, to have my group "pick up" my health insurance until I'm old enough for Medicare. Well, FWIW, I'm about two years behind you on the retirement date and about 40% in stocks. Though portfolio acts more like maybe 50/50...
by jeffyscott
Sun Mar 23, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1846

Re: Installing Win8.1 on an old PC - one successful data poi

If you had bought your PC back when Windows XP was new, you might have had half a gigabyte of memory if you were lucky, but many PCs had much less. I thought my old HP mini netbook was kind of marginal for the XP that it came with and it had one GB of memory. I'm sure the atom processor was a facto...
by jeffyscott
Sun Mar 23, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1593

Re: Faulty Logic [Asset Allocation nearing Retirement]

The "professional" advice I'm receiving from two different sources is very much to the contrary. Both are suggesting a much more aggressive position now (70/30), that I find incredibly surprising. Again given my age, time to retirement window and conventional wisdom. I think 70% is high, ...
by jeffyscott
Sun Mar 23, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Faulty Logic [Asset Allocation nearing Retirement]
Replies: 24
Views: 1846

Re: Advice on Parent Entering Assisted Living

Yes, it varies, but at least in my state you can find plenty of assisted living facilities that can basically deal with just about anything a nursing home can. My mother spent her last 1.5 years in one such facility, where about the only thing that would get you "kicked out" would be behav...
by jeffyscott
Sun Mar 23, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Parent Entering Assisted Living
Replies: 25
Views: 2057

Re: Installing Win8.1 on an old PC - one successful data poi

If you're mainly browsing, watching streaming shows, and making documents in open office and you have an older computer, I would strongly suggest trying one of the linux packages, like ubuntu. It is free, easy to try and can be set up in dual boot if you want to keep your existing windows as an opt...
by jeffyscott
Sun Mar 23, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1593

Re: Defined Benefit Pension Question

Confirmation from IRS http://www.irs.gov/taxtopics/tc410.html The pension or annuity payments that you receive are fully taxable if you have no investment in the contract because any of the following situations apply: You did not contribute anything or are not considered to have contributed anything...
by jeffyscott
Sun Mar 23, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Question
Replies: 8
Views: 574

Re: Flying in and out of Midway

If you do drive, I think there is generally less traffic (due to the toll charges) on the skyway (I-90) than I-94.
by jeffyscott
Sun Mar 23, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Flying in and out of Midway
Replies: 13
Views: 1147

Re: Defined Benefit Pension Question

My understanding is that it is taxable income, unless the pension contributions were made by you with after-tax dollars. Basically it is the same as Roth vs. traditional IRA, you either pay income tax when the money goes in or when the money comes out.
by jeffyscott
Sun Mar 23, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Question
Replies: 8
Views: 574

Re: Detached Townhome vs. Single Family Home Costs

...we’ve recently become aware of “detached townhomes.” BTW, I believe the correct terminology would be single family condominium (or "condo"). My understanding is "condominium" is a form of ownership not a type of building, detached single family homes can be owned as condomini...
by jeffyscott
Sat Mar 22, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 15
Views: 1417

Re: I need a quality lawnmower

For your size cutting area I would not go with electric and the hassle of maneuvering a power cord. There are battery powered electrics. We bought a $400 battery powered mower last year, replacing a 16 year old Toro self-propelled gas mower. It is much quieter, no more ear plugs. Also no more gas, ...
by jeffyscott
Sat Mar 22, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: I need a quality lawnmower
Replies: 31
Views: 1607
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