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Re: Time to buy a tv or wait 2 years?

Nice graph, but I don't think it's all that accurate. I sit about 25ft from my 106" projection screen and I can very easily tell the difference between 480p and 1080p. The chart indicates that you should be able to tell the difference between 480 and 1080. Specifically it says there would be a...
by jeffyscott
Wed Jul 09, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Time to buy a tv or wait 2 years?

Well, OLED is $4300, not $7K, today at Best Buy or amazon. Get rid of the curved screen and drop another $1500 and I may buy.
by jeffyscott
Sat Jul 05, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Time to buy a tv or wait 2 years?

OLED (organic led) screens are by far the best displays currently available - blackest black, fastest response, best color gamut but a 55" TV is currently $4999. I expect the prices will come out of the stratosphere quite quickly. I hope you are right, my fear is OLED is not going to catch on ...
by jeffyscott
Fri Jul 04, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Continue subscribing to local newspaper?

Dropped ours last fall. I am able to read the few things I want online, despite the 10 article per month limit, partly this is due to using several devices and different browsers but I can also delete the cookies or prevent them from being stored one way or another, if need be. We were paying just f...
by jeffyscott
Fri Jul 04, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6173

Re: I am thinking of buying Ooma or Magicjack need help deci

I've been curious about these for a while. Do I need one of these if I have a smartphone? I'm currently using only the cellphone for my telephone calls and do not have a landline phone. I'm not sure what I would gain with one of these services? If you don't already have a land line, you don't need ...
by jeffyscott
Fri Jul 04, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2969

Re: Paperless Statements (bank checking acct)

I would love to switch everything to electronic. Here's my dilemma. What happens if I can't take care of things? How does my husband figure out what bills to pay if they are sending the bill via email and I'm unable to open and read my email? I'm consolidating accounts so at least he would be able ...
by jeffyscott
Tue Jul 01, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Medicare question

Appears you would probably take part A but, perhaps, not B...

http://www.aarp.org/health/medicare-ins ... on-94.html
by jeffyscott
Sun Jun 29, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Medicare question
Replies: 3
Views: 469

Re: How much to retire

I calculated what I think our expenses will be 27 years from now and we will only need about 52% (our income today is 134K annually so 134k x .52 = $70k) What is your recommendation? Do you use the 70-85% or your own calculations. It makes no sense, if one is actually saving for retirement. If I as...
by jeffyscott
Sun Jun 29, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2923

Re: Paperless Statements (bank checking acct)

I can't believe people don't balance their checking accounts. That's like not looking at credit card statements. Not really, balancing was really just checking the math...mostly checking the math in your personal, hand written, ledger. You can look at the statement and verify that everything is cor...
by jeffyscott
Sun Jun 29, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Paperless Statements (bank checking acct)

I also reconcile my accounts manually, and I prefer to have the financial institutions shoulder the cost of the ink and paper for printing the statements. (I know the customers eventually pay all their expenses, but even if I did go paperless they wouldn't give me a better deal.) I am with cheese_b...
by jeffyscott
Sat Jun 28, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3057

Re: Best Credit Card Promos 2014

prudent wrote: Capital One is known for low limits.


Hmm, Pretty sure they were the first one to give me a high limit and I think that still is the single card with the highest limit that I have.
by jeffyscott
Sat Jun 28, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014
Replies: 34
Views: 11591

Re: Convince me to visit Italy

I live in southern Italy...(military)...So, I think I have a fair vote...I would say pass on it....the EURO exchange rate is too high, everything is very hard to find, driving is a pain...go to other parts of Europe. Why would a visitor need to drive? We are planning to go either spring 2015 or 201...
by jeffyscott
Sun Jun 15, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5355

Re: An interesting note about stable value funds and costs.

Expenses for stable value have gone up. Mine is up to 0.38%, I think it was 0.2 or 0.25% a couple years ago. Our bond index fund is at 0.05%.
by jeffyscott
Sat Jun 14, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: An interesting note about stable value funds and costs.
Replies: 3
Views: 574

Re: Peppy V6 With Good Fuel Economy

1992 Accord 4cyl = 125hp 2006 Accord 4cvl = 166hp Almost 1/3 more HP. But there is also about a 14% increase in weight and difference in torque at 4000 RPM is only about 17%. That said, step on the gas pedal and either should certainly go fast enough. I have absolutely no problem getting enough pow...
by jeffyscott
Sat Jun 14, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2974

Re: Uninsured / Underinsured Motorist Coverage

Some people firmly believe their suffering, their child's suffering, the loss of a child or disfigurement is worth nothing. Yes, that is the reason given by those opposed, the one and only reason for not thinking it to be of much value. Similarly, the only valid reason to have it is that you like t...
by jeffyscott
Wed Jun 04, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1869

Re: Uninsured / Underinsured Motorist Coverage

I feel it is of little value to us, but it is required by our state. Ours is just $25 per year per car for UM/UIM @ $250/500K. I think state requires 100/300, I don't know why we have more than that...probably the cost difference was next to nothing.
by jeffyscott
Sat May 31, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Uninsured / Underinsured Motorist Coverage
Replies: 40
Views: 1869

Re: Where store spare gas grill LP tank?

Personally, I don't really care what the tank looks like and I just leave them outside next to garage. I just looked at a pretty old one we are currently using, it's dirty but don't I see any rust, except for the ring at the bottom that sits on the ground and a little where the valve assembly is att...
by jeffyscott
Sat May 31, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Where store spare gas grill LP tank?
Replies: 15
Views: 1064

Re: Low cost retirement options

May not need to be near a big city. For example, I know Wisconsin has Marshfield clinic in the middle of nowhere. I don't know much about it, but it seems to have a good reputation and I assume the area would be cheap.
by jeffyscott
Sun May 25, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Low cost retirement options
Replies: 21
Views: 2627

Re: Social Security at 62? Let’s Run the Numbers

U R confusing compound vs cumulative return. SS adjustments over four years (FRA of 66 to age 70) is 8% x 4 years, or an increase of 32% over the base amount at FRA. You can't compare taking it at age 67 (8% increase) and multiply that return vs. the subsequent year and so on or as you are doing, s...
by jeffyscott
Sun May 18, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7395

Re: Musing about a 4K UHD TV

Have not seen either 4K or OLED TVs yet, but my feeling is the OLED technology would be an upgrade that is of some value, while 4K is just marketing useless specs that have no practical advantage (since I have no plans to ever sit 2 feet away from a 60 inch screen, or whatever). Since we dropped cab...
by jeffyscott
Sun May 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Musing about a 4K UHD TV
Replies: 10
Views: 783

Re: Eyeglasses Help

Trivex is the lightest (but not thinnest) material available. Trivex also has the best optics of any material, other than glass or CR-39 (standard plastic). Costco does not carry Trivex, so I do not get eyeglasses there. If you want thin lenses with poor optics, you can get a 1.67 index material at ...
by jeffyscott
Sun May 18, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Eyeglasses Help
Replies: 12
Views: 1852

Re: Tree removal service and insurance

Company that we have had trim our trees several times, twice had branches damage the vinyl siding. They had someone take care of the repairs at no cost to me, my insurance was never involved. One time we had a tree that was broken in a storm. Had a guy take down the remainder and also do some limite...
by jeffyscott
Sun May 18, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Tree removal service and insurance
Replies: 7
Views: 833

Re: How to have a life if you can't save 6months expenses?

I think it depends on why. If you are earning $20K, then I think it's quite reasonable to not do any of those things, if you can at least save enough to get the company match you are doing well IMO. If you are making $100K and "can't" do more than save up to the company 401K match, which I...
by jeffyscott
Sun May 18, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How to have a life if you can't save 6months expenses?
Replies: 20
Views: 2215

Re: The Progressive Glide Path

I believe I did something like this. We started with 75% stocks and target allocation declined to 50% as invested assets increased, rather than based on age. Hit 50/50 before the 2008-09 unpleasantness and maintained that allocation (within 5%, anyway...stocks did fall to as low as about 45%) throug...
by jeffyscott
Sun May 18, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: The Progressive Glide Path
Replies: 9
Views: 1136

Re: stable value stable?

There are different varieties of stable value: https://en.wikipedia.org/wiki/Stable_value_fund#Types_of_stable_value_funds Synthetic GIC has less risk than a regular GIC where the assets are in the general fund of a single insurance company and I guess the separate account (under a single insurance ...
by jeffyscott
Sun May 18, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: stable value stable?
Replies: 6
Views: 720

Re: Social Security at 62? Let’s Run the Numbers

Where else can you buy an inflation-indexed annuity that returns 8% ?? It is not an 8% return. An annuity that pays me $1080 per month starting at age 69 is not 8% more valuable than an annuity that pays me $1000 starting at age 68. Even if the 68 year old would collect for 20 years, the 19 years o...
by jeffyscott
Sun May 18, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7395

Re: Does AirTran enforce luggage size?

I think it was on AirTran that my wife had to sit with some large woman's flesh invading her space for 3 or 4 hours. So we actually prefer the SW seating arrangements. It allows the two of us to strategically select a row where one non-fat person is already sitting 8-) . We've always signed in early...
by jeffyscott
Sat May 17, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3483

Re: Does AirTran enforce luggage size?

Some may have other reasons, but the fee is the cause of the excessive carry ons. On completely full southwest flights and completely full international flights (which also have at least one free checked bag) there is plenty of surplus space, in my limited experience. I also don't think there was ev...
by jeffyscott
Sat May 17, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3483

Re: CAPE:cyclically adjusted price earnings ratio

If in 1996 you sold all of Total Stock Market and bought Total Bond Market, you would have been up 7% in 2002 and 25% in 2009 Nope, sorry, a decade is 10 years, not 6 or 13 or 187. He said 10 years "at this CAPE." The CAPE dramatically dropped in 2002 and 2009. No, he never said "at ...
by jeffyscott
Sun May 11, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: CAPE:cyclically adjusted price earnings ratio
Replies: 12
Views: 1812

Re: Anybody solve this problem? [washer hose issue]

Do you have one of these clips, which holds in a loop that stays nicely over the edge of the sink? If the hose is long enough and the clips in the right position it will stay in place. Available in fine hardware stores everywhere. http://www.rcappliancepartsimages.com/dbImages/i/00003405/Drain-Hose...
by jeffyscott
Sun May 11, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Anybody solve this problem? [washer hose issue]
Replies: 15
Views: 1460

Re: Chase Bill Pay

VictoriaF wrote:
Do you use automatic ACH with credit cards? Don't you want to review the bill before you pay it?

Victoria


I pay credit cards with automatic ACH. The bill comes long before the payment due date, so there is plenty of time to review before the debit occurs.
by jeffyscott
Thu May 08, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Bill Pay
Replies: 18
Views: 1297

Re: [avoiding utility payments]

Yes but, thankfully, natural gas is cheap. About $1000-1200 per year for that.
by jeffyscott
Mon May 05, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: [avoiding utility payments]
Replies: 29
Views: 2891

Re: Does AirTran enforce luggage size?

The one thing more obnoxious than fees for checked luggage is implementing them, but not enforcing size/item limits and/or allowing free gate checking of luggage that should have been subject to the fee. Those who follow the rules, such as myself not only pay the fee but then there may be no space f...
by jeffyscott
Sun May 04, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3483

Re: [avoiding utility payments]

However water and electricity are more necessities than a smart phone. The problem with 'off gridding' water and electricity is that your alternatives have high capital cost and are potentially less economical. Exactly, to my mind, it is a lot easier getting off the smart phone grid (or never getti...
by jeffyscott
Sun May 04, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: [avoiding utility payments]
Replies: 29
Views: 2891

Re: What do you do after maxing out your tax deferred?

I've been thinking about putting it into I-Bonds (I currently have zero I-Bonds)...but is it worth it to put money into I-Bonds if there's no fixed rate? If there's no fixed rate, you know you're losing money in the long run due to federal taxes. Yes, but what safe, fixed income, investment is not ...
by jeffyscott
Sun May 04, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2675

Re: [avoiding utility payments]

An interesting thought ran through my head. Many of us bogleheads have an aversion to debt. But there are other versions of fixed payments we are enslaved to. Water and electricity come to mind. The one that comes to mind for me is smart "phones". It seems to be typical for people to pay ...
by jeffyscott
Sun May 04, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: [avoiding utility payments]
Replies: 29
Views: 2891

Re: Inflation-Cable, and utilities

I don't have perfect records but in 2000 cable bill was around $400 for a year, that was TV only. In addition to that we paid around $250 for phone service from ATT and/or SBC and $400 for one cell phone from US cellular. Not sure what internet service cost was but maybe $150 or so? Total is about $...
by jeffyscott
Sun May 04, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Inflation-Cable, and utilities
Replies: 7
Views: 1041

Re: My front lawn is horrible

Don't know much about lawns and haven't owned a home yet, but from what it seems lawns one of the most BS things the american culture requires you to have. Wasting time/water/money to keep a perfectly green/trimmed lawn 24/7/365. Of course I'm not advocating for neglect of property. It is often ove...
by jeffyscott
Sun May 04, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: My front lawn is horrible
Replies: 29
Views: 3116

Re: Your personal inflation rate

The price of the current technology isn't lower than it use to be. In the 90's a TV was a few hundred bucks, now they are over $1000. For comparable screen sizes, prices are still a few hundred bucks. In the 1990's I paid $400 for a 27 inch CRT TV. Today, I can buy a 32 to 42 inch TV for $200 to $4...
by jeffyscott
Sat May 03, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your personal inflation rate
Replies: 9
Views: 1142

Re: Polyurea garage floor

This is a much cheaper alternative that I have looked into. G-Floor is a garage mat that comes in various sizes up to 10' by 24'. My 2-car garage would require 2 of these mats. No experience with these, but noticed Menards has one in their ad, it is a smaller size but cost comes to $1 per square fo...
by jeffyscott
Sat May 03, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Polyurea garage floor
Replies: 11
Views: 1479

Re: Your personal inflation rate

Manufactured products have typically not had any inflation. A recent example is we just bought a new dehumidifier and I dug out the manual from the old one to get rid of it, this had the receipt attached and we had paid $10 more for a similar unit 11 years ago. When we replaced other appliances over...
by jeffyscott
Sat May 03, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Your personal inflation rate
Replies: 9
Views: 1142

Re: Low iregular usage international calling

The connection charge is waived for subscription, so we try a cheap plan that has 120 minutes for $3 / month. However, this is still imperfect because on some months she makes no call and some months she may talk for hours. In addition, Skype's billing appears to be outside of the country even thou...
by jeffyscott
Sat May 03, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Low iregular usage international calling
Replies: 11
Views: 636

Re: Anyone know the new I-Bond Rate ?

stevewolfe wrote:
Streptococcus wrote:Better stick with a 5 year barclay cd at 2.25%

2.25% > 1.94%, but that's just the first six months. After that which is better is anyone's guess.


The 1.94% is also tax deferred and state income tax exempt.
by jeffyscott
Thu May 01, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1589

Re: Daughter getting married

Our daughter just got engaged, we are giving $10,000 and told her to use whatever she likes for any sort of ceremony they may wish to have and the rest is our gift. Also told her that it would be perfectly fine by us to have something modest and use the bulk of the money for other things (we knew, a...
by jeffyscott
Thu May 01, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Daughter getting married
Replies: 57
Views: 5278

Re: 2003 Accord - 2nd trans going bad - invested $$

Furthermore, when they replaced the transmission at 44K, did they not also drain and replace the fluid ? If that's the case, then really the transmission fluid in the car right now has only been used at 127K - 44K = 83K, i.e. not yet overdue according to the manual. I would give the maintenance rec...
by jeffyscott
Mon Apr 28, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 4741

Re: POLL - how often do you service your HVAC system?

I am in transition, so can't answer. Had done nothing with A/C and maybe 2-3 furnace checks done in 16 years. We also had to have furnace blower replaced once. Last fall I signed up for a twice per year plan, furnace in fall and A/C in spring, figuring the systems are old and maybe some preventive m...
by jeffyscott
Mon Apr 28, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: POLL - how often do you service your HVAC system?
Replies: 22
Views: 4620

Re: Grilling: Propane, natural gas, and electric?

Update: I love this grill, the electric Charbroil one. Thanks for the update. Maybe I will try that electric option, perhaps next year...I have nearly two full tanks of propane to use. Had a leftover from last year and then Walmart had a $10 gift card with propane exchange, so I got one for a net o...
by jeffyscott
Sun Apr 27, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 65
Views: 13544

Re: Does AirTran enforce luggage size?

Glad you figured out a solution.

FWIW, I'd not consider exceeding by an inch or two to be obnoxious :) .
by jeffyscott
Sat Apr 26, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3483

Re: Does AirTran enforce luggage size?

When are you flying? The full integration of AirTran into Southwest is coming soon and this will mean the end to the obnoxious baggage charges (and the even more obnoxious failure to enforce, allowing obnoxious people to carry on over-sized baggage and "personal items"). Don't know the tim...
by jeffyscott
Sat Apr 26, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3483

Re: How much did I spend?

Assuming otherwise taxable assets are available to pay off, I would only keep the mortgage if I could safely earn more than the interest rate. So I would look at it this way, subtract the mortgage balance from assets and then also do not count the payments on it in calculating spending rate. This wa...
by jeffyscott
Fri Apr 25, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did I spend? [mortgage question]
Replies: 43
Views: 12154
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