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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: 9
Views: 942

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: 344

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: 739

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: 1213

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: 104
Views: 7992

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: 1213

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: 2279

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: 948

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: 104
Views: 7992

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: 529

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: 531

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: 1319

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: 1144

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: 1212

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: 264

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: 1554

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: 565

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: 3519

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: 2151

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: 6551

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: 2834

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: 1559

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: 24354

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: 2017

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: 1843

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: 1559

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: 1843

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: 2017

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: 1559

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: 572

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: 1144

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: 572

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: 1405

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: 1599

Re: Automobile Medical Payments

We have no medical payments coverage. We have health insurance with pretty low out of pocket costs. My son has ACA bronze policy with $6000 deductible, he took medical payments coverage at either $5000 or $10,000. I told him my feeling that this coverage had little value for us, but that in his case...
by jeffyscott
Sat Mar 22, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Automobile Medical Payments
Replies: 21
Views: 1144

Re: Is this Retirement plan doable?

I have a somewhat similar, complicated situation. My wife is quitting work this year at age 50 and I am planning to retire in 3 years and will get a pension with no guaranteed increases (but there may be increases, depending on performance), we both will get SS someday. What I did is make a cash flo...
by jeffyscott
Sat Mar 22, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this Retirement plan doable?
Replies: 10
Views: 1142

Re: Detached Townhome vs. Single Family Home Costs

How much maintenance is there on a vinyl/asphalt home built in 1998 anyway? Replace the roof and siding twice in 40 years? We had our house built in 1997, I can see no reason why I would be replacing the vinyl siding anytime soon. We did have our roof replaced several years ago, it was an insurance...
by jeffyscott
Fri Mar 21, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 15
Views: 1405

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

If the investor thinks that a bear market 75%/100k portfolio is somehow "less riskier" than a 40%/500k portfolio then I have to ask this question to that investor: Did he/she really understand the risks of a 75% portfolio? How about a 40% portfolio? The question is the relative risk of $2...
by jeffyscott
Fri Mar 21, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 241
Views: 24354

Re: Need health insurance advice (medicaid/obamacare)

Would I be better off with medicaid and not much selection of doctors or my current insurance? That is a decision only you can make. Your costs for the current plan are apparently $13,600 per year before they pay anything toward your coverage. So Medicaid will be better even if you feel you really ...
by jeffyscott
Wed Mar 19, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need health insurance advice (medicaid/obamacare)
Replies: 16
Views: 1322

Re: Roth IRA vs Traditional in total amount per year

Doc wrote:Jeffy I don't care how many have what.


Well, you seemed to care, yesterday :confused
by jeffyscott
Sun Mar 16, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA vs Traditional in total amount per year
Replies: 19
Views: 1138

Re: I Bonds - buy now or wait for May?

Did not know about that method for creating a refund. I'm satisfied with getting $20K per year but, maybe if there are ever 3% I-bonds again... Anyway, I'm buying now to get the 0.2%. I was shocked when I found out they went above 0, but had bought early last year and missed out (I think that cost m...
by jeffyscott
Sun Mar 16, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4426

Re: 20% More in Roth vs. TIRA, Even w/Uniform Tax Rate?

In the March 2012 "T. Rowe Price Investor" publication they give this example. Maybe extending this methodology to a 25 year old investor and a 30 year withdrawal period increased the benefits of the Roth to 20%: Suppose you’re age 35 and have $5,000 to set aside. Should you choose a Tradi...
by jeffyscott
Sun Mar 16, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: 20% More in Roth vs. TIRA, Even w/Uniform Tax Rate?
Replies: 20
Views: 1151

Re: Tax and ACA ?

archbish99 wrote:Again, you should investigate Texan state taxes, but it seems like you have a reasonable argument that you would have no Texas income -- you'll be working in Mexico and a resident of another US state.


Texas has no income tax.
by jeffyscott
Sun Mar 16, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax and ACA ?
Replies: 12
Views: 999

Re: LED lights currently worth it personal financewise?

By the way, LEDs do get dimmer with age. The "25,000 hour" spec is for 70% of original brightness. I had heard that they get dimmer continuously over time. Putting that together with this information about how they specify the life of the bulb, I am guessing that the LED bulb would just c...
by jeffyscott
Sun Mar 16, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2477

Re: LED lights currently worth it personal financewise?

Isn't this supposed cost savings just a a way to rationalize a decision to try new technology? It doesn't make any difference if the LED bulbs last 10 years or 20 years. Are you going to take all these LED bulbs with you when you move in 5 years? Well I am hoping for at least 10 years in this house...
by jeffyscott
Sat Mar 15, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2477

Re: Roth IRA vs Traditional in total amount per year

We all our susceptible to "bias of the familiar". I added teachers to my list because my wife is a recently retired teacher with a DB pension. I think most teachers have both DB pension and access to a 403(b). My spouse does and I have both DB pension and 457 (and we are both covered by S...
by jeffyscott
Sat Mar 15, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA vs Traditional in total amount per year
Replies: 19
Views: 1138

Re: LED lights currently worth it personal financewise?

My most desired application would be for 60w globe replacements for the bathroom. The CFL globes seem to take a long, long time to warm up (15sec or so) and the frequent on-off limits the life. But using that huge number of 60w incandescent bulbs generates too much heat and costs a lot for air cond...
by jeffyscott
Sat Mar 15, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2477

Re: LED lights currently worth it personal financewise?

I just purchased a case of 100W and a case of 75W incandescent bulbs. I really like the quality of the light. Once my stockpile is gone, I will probably switch to LED lights. I like the way my 100W light bulbs warm up the bathroom. Unless you heat electrically that is an expensive way to heat a bat...
by jeffyscott
Sat Mar 15, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2477

Re: Roth IRA vs Traditional in total amount per year

This type of statement appears often here and I wonder if we are not all biased by that which we are familiar. I would guess that most posters here are salaried professionals with firms which offer 401Ks. But I think their are a large number of people who don't work for these types of companies. Pe...
by jeffyscott
Sat Mar 15, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA vs Traditional in total amount per year
Replies: 19
Views: 1138

Re: Was frugality a mistake? The downsides of saving too mu

There is so much uncertainty that you are really forced to over-save. What will the stock market do over the next 20 years? If it doubles twice, I am going to be in great shape. If it's flat, I will probably need every penny I am saving. What is my health is poor? What if my parents leave me a nice...
by jeffyscott
Sat Mar 15, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8762
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