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Re: Wise move to move some $ to cash before bear market?

I knew I would get these responses. Market timing. But, it sure seems if somebody took out 30% and put it in cash at the right time, he would be sitting pretty. I know, at the right time... You could easily become a bazillionaire, problem is there is just no predicting when to do it and you have to...
by rickmerrill
Thu Mar 26, 2015 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 99
Views: 9252

Re: Mom seeking financial help - what to do?

Like I say to my kids, "Lack of planning on your part does not constitute an emergency on my part." Unless it was a gift given freely in the spirit of love & generosity, I would so not give the money. You don't have to fix anyone else's problems and you don't have to give money you do...
by rickmerrill
Thu Mar 26, 2015 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4466

Re: Can you really know your AA until you've hit a bear mark

That's a very good question. I think it certainly helps to know how you'll react after being tested but there are some people who just know they'll stay the course and some that know they won't. Then there are some who think they will but will really struggle or bail out. Personally I found having a...
by rickmerrill
Thu Mar 26, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5179

Re: What do you think of storage sheds as an investment?

In a luncheon pitch to qualified investors many years ago I remember them stressing that they bought land with appreciation as a goal and made money on the units while they were waiting for it to happen.. I had a college friend who's BIL was doing storage and he told me they were really after the l...
by rickmerrill
Wed Mar 25, 2015 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 33
Views: 2787

Re: Traveling WiFi

It's possible that your cable or phone supplier has hot spots around the country. For example, my phone provider (AT&T) and my cable supplier (Bright House Network) both have hundreds of thousands of free access sites around the country. That's interesting Mel and was something that I vaguely k...
by rickmerrill
Tue Mar 24, 2015 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2013

Re: External Hard Drive?

I use a three part approach to backup. 1. Easy access cloud storage on Microsoft OneDrive. If you're an Office 365 customer, you get 1TB of storage with it, plus the 15 GB free for everyone. Plenty of space for the projects I'm working on and need remote access to, from anywhere. I like the Office ...
by rickmerrill
Sun Mar 22, 2015 2:41 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2325

Re: The one area I disagree with Jack

Stemiker, thank you for bringing up the very interesting topic and others for contributing. I have been trying to understand Mr. Bogle's comments on this for some time. This thread didn't get me to the top of the stairs but it did get me a few more steps further up.
by rickmerrill
Sun Mar 22, 2015 12:27 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7328

Re: Anyone concerned about their bond holdings?

Do your research (on your goals, psyche and finances), come up with a long term plan, execute that plan, stop thinking about it until your situation changes or you find out you had errors in your plan, rinse and repeat. If inflation or anything else that is out of your control does not change your p...
by rickmerrill
Sat Mar 21, 2015 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5701

Re: The Most Likely Portfolio Peril — Inflation or Deflation

Thanks for posting this, certainly good food for thought.
by rickmerrill
Sat Mar 21, 2015 1:54 am
 
Forum: Investing - Theory, News & General
Topic: The Most Likely Portfolio Peril — Inflation or Deflation?
Replies: 40
Views: 3789

Re: Doctor's office requires credit card on file

Not that concerned with the credit card, I'm checking it for issues anyway. Paying for the portal? Tacky! It saves the office money. That's just like ATM's charging fees for something that actually reduces their costs. As far as the ever popular $50 for no shows, fine. I'll pay you $50 if I forget a...
by rickmerrill
Sat Mar 21, 2015 1:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 2956

Re: Hearse as daily driver?

I saw one parked in front of the Aliiolani Hale building in Honolulu (seen in the intro to Hawaii five-o). What was really cool was he had a full size skeleton sitting in the drivers seat! If you're a single male I'm not sure what sort of "chicks" that "magnet" would attract.
by rickmerrill
Fri Mar 20, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3735

Re: how often do you check performance?

Daily! What am I going to do? Nothing. I'll probably grow out of the habit but it hasn't happened yet. One thing I don't do is pay any attention to the financial media.
by rickmerrill
Wed Mar 18, 2015 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 50
Views: 2666

Re: Cleaning my back yard?

I'm not trying to be funny or make light but I think uber is right, what you've go there is a moss farm! I think you'll be giving advise on how to clean this soon enough, you're going to have lots of experience... My wife would go with the flow and make it into a shade garden, probably add a water f...
by rickmerrill
Wed Mar 18, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 38
Views: 4142

Re: House Foundation Cracks, No big deal or RUN!

Nothing inherently wrong with knob and tube but man I've seen some really bad things done behind the walls. If a licensed electrician has to make changes to a circuit it all has to be brought up to code and that can be spendy.
by rickmerrill
Tue Mar 17, 2015 11:50 pm
 
Forum: Personal Consumer Issues
Topic: House Foundation Cracks, No big deal or RUN!
Replies: 24
Views: 2781

Re: Damage concrete sidewalk and driveway

Just my thoughts but I'd try my best to come to agreement with the contractor if at all possible, appeal to their sense of fairness and quality of work but don't be surprised if they "lie thru their teeth", try to convince you they can patch what they've done or just try to avoid you. But,...
by rickmerrill
Tue Mar 17, 2015 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Damage concrete sidewalk and driveway
Replies: 9
Views: 1350

Re: Damage concrete sidewalk and driveway

Now I see what you mean! Since you have a CE onboard I'll keep my comments brief (won't throw out my guesses as to why the surface is doing that). That is not acceptable for concrete that is less than one year old. There is no way I am aware of to resurface concrete, many products say they do but I ...
by rickmerrill
Tue Mar 17, 2015 8:56 am
 
Forum: Personal Consumer Issues
Topic: Damage concrete sidewalk and driveway
Replies: 9
Views: 1350

Re: What internet speed is fast enough?

I've got Uverse at 15/2 for $55/month. Streams fine and I don't see any large differences throughout the day. I thought about downgrading but the price structure is such that I'd only save a few $ a month. To me 5Mb down is plenty and if I could save some money I think I could easily scrape by on 3M...
by rickmerrill
Tue Mar 17, 2015 12:49 am
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4416

Re: Damage concrete sidewalk and driveway

You didn't mention what failures you are seeing in your concrete. Is it cracking or is the top surface failing or? I am certainly no expert but I have poured a few slabs and a walkway or two. I'm in the south and our "normal" is probably a lot different than what you experience in NY; our ...
by rickmerrill
Tue Mar 17, 2015 12:32 am
 
Forum: Personal Consumer Issues
Topic: Damage concrete sidewalk and driveway
Replies: 9
Views: 1350

Re: Vitamins/Supplements, recs for reliable brands & retaile

Vitamins/Supplements are not regulated or evaluated by the FDA. The USP is not in any way associated with any government organization. Although many would say it is a step in the right direction (it's purpose being to verify what is advertised on the bottle is in the bottle) others, more skeptical, ...
by rickmerrill
Thu Mar 12, 2015 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 932

Re: Adding Central Air Conditioning to very old home.

I consider myself fairly "handy" but I haven't much experience with HVAC. I do have a friend who has owned three older houses and each time he had conventional AC added. He said they have clever ways of doing the installation, which they will know based on the construction common in your a...
by rickmerrill
Thu Mar 12, 2015 10:59 am
 
Forum: Personal Consumer Issues
Topic: Adding Central Air Conditioning to very old home.
Replies: 20
Views: 1496

Re: Any success stories negotiating with AT&T

I've got the U-verse internet 15Mb down and 2 Mb up for about $55 last time I checked. We added Ooma because our cell reception isn't too good and my wife likes to call home to Greece so that adds another $15 with taxes (without the international plan Ooma would be around $5 for the taxes and surcha...
by rickmerrill
Thu Mar 12, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 13
Views: 1347

Re: Bonus received. But its not what was agreed upon. Advi

With stuff like this I just touch my index fingers to my little fingers and go "hummmmmmmmmm". Type B, so not worth it.
by rickmerrill
Thu Mar 12, 2015 5:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5076

Re: Not sure what to do or ready? [Preparing for retirement]

Yes, I think you can safely retire at that age with that much - you should be able to safely spend more than 50k/yr. I believe the years just before and after retirement are the riskiest (called the "red zone") for high stock allocations so I would cool it with my stock allocation down to ...
by rickmerrill
Mon Mar 09, 2015 2:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do or ready? [Preparing for retirement]
Replies: 17
Views: 1715

Re: Wife doesn't want to retire - I do

Are you a retired husband with a working wife? How does it work out for you? Do you feel guilty? Does your wife feel embarrassed? Yes, I am 10 years older than she so me retiring first was always in the cards. It works out fine, really. Guilty, oh hell no! She switched jobs to one she actually enjo...
by rickmerrill
Sat Feb 28, 2015 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6114

Re: Retirement - Surprises, Solutions

Coming up on two years now in May to give some perspective. I'm not worried about money but the recent market has made it hard to do that. Somewhere here someone said retirement, in and of itself, won't change who you are. So if you are a worrier, or a grump, or happy go lucky, or lazy, or fight wit...
by rickmerrill
Sat Feb 28, 2015 2:42 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3779

Re: help me speed up my computer

I have found that the best way to clean up a computer is to reinstall the operating system. I normally do this right after I set up a new computer. We use laptops (mostly W7) for our TaxAide sites. Over the years we have found that it is a waste of time to try to chase down viruses, uninstall softw...
by rickmerrill
Sun Feb 22, 2015 2:18 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3785

Re: Thoughts on replacing tires?

I'm in a similar situation, low milage driving so I know they will age out way before the tread is gone. I've always been a Michelin man and I pushed my tires towing a boat long distances at interstate speeds in the southern heat and the premium was worth it to me - they always seem to be up there i...
by rickmerrill
Sat Feb 21, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3593

Re: Old car insurance

I have a 2006 Ford PU with around 50K miles. I dropped collision once I knew I could self insure, that was a few years ago. I paid cash for it so I never had comprehensive. I've played it this way my whole life and figure I am way ahead. I only want/need my insurance to protect me from losses I can'...
by rickmerrill
Sat Feb 21, 2015 3:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Old car insurance
Replies: 39
Views: 2894

Re: Prom budget for teenage girl?

I once witnessed a teenage girl shout down - the knockout punch was "You buy your clothes at Kmart"! There was no comeback.

Three daughters and you're worried about proms? Pleeeeease let us know when the wedding start!
by rickmerrill
Fri Feb 20, 2015 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 82
Views: 4923

Re: new computer for wireless network

So based on the comments, I needed a physical connection to get the desktop on the network only because the desktop is so old. (Not needed with the latest laptops, desktops, etc.) Not exactly. You needed a physical connection to get the desktop on the network because desktops typically don't have w...
by rickmerrill
Mon Dec 22, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1725

Re: Who should pay for this meal?

We are kind of people like to pick up the tabs when we go out with friends (reason why we do not go out too much) That is your first problem. I've never understood how this "we'll pay for it" thing works out. I like to eat and drink what I want and I expect to pay for it. I'm in the separ...
by rickmerrill
Mon Dec 22, 2014 1:22 am
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8107

Re: new computer for wireless network

As vortexstreet said, it looks like you have a wireless router and your desktop is just one of the devices on the network (it's just hooked up by a wire instead of being wireless). So, it doesn't play any special role as far as networking goes which means you are free to get whatever computer you wo...
by rickmerrill
Mon Dec 22, 2014 12:45 am
 
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1725

Re: Is there anything unhealthy about drinking tap water?

I think CABob nailed it. When bottled water and filtering became all the rage around work I asked someone why they found tap water objectionable. They could smell chlorine sometimes. Ok, I can't argue with that. But two things bother me: all of the plastic being used to produce all those bottles and...
by rickmerrill
Wed Nov 26, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1324

Re: Girlfriend with a LOT of Student debt.

jstrazzere wrote:
mikeski569 wrote:I like aspects about her. She's good for me. But her debt is already causing me stress and anxiety.


These 3 sentences tell me that you know what your decision will be.


My thought as well.
by rickmerrill
Mon Nov 24, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 166
Views: 13912

Re: What do you splurge on?

Sailing. We've chartered almost every year since 2001. It's the one thing we splurge on and worth every penny to us!
by rickmerrill
Fri Nov 21, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25228

Re: Who to Use: CPA, Financial Advisor, Someone Else?

Scott, that 1% fee doesn't sound like much until you consider the lost opportunity cost over time. See the true cost of fees here http://www.buyupside.com/calculators/feesdec07.htm Not to mention they will try to steer you to higher cost investments, overly complicate your investment mix, maybe even...
by rickmerrill
Thu Nov 20, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Who to Use: CPA, Financial Advisor, Someone Else?
Replies: 65
Views: 7176

Re: Side jobs or hobbies that make you money

In a weird sort of way that ^^^ sort of reminds me of Victoria's comment.

Uh, actually I was referring to the doggie donation post but I'll leave it here because if I was referring to the previous post that would be funny too!
by rickmerrill
Wed Nov 19, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 19605

Re: What Movie Have You Recently Watched?

Nightcrawler, a suspense thriller about a sociopath that joins the ranks of those filming emergency situations and selling the footage to TV news broadcasters . We haven't gone out to a movie for years but we did recently and we both thought it was a good movie.
by rickmerrill
Wed Nov 19, 2014 1:22 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 656
Views: 86723

Re: Sell or repair car decision

I grew up with cheap, unreliable cars and always fixed them myself. Later in life I determined that if you have obligations, someone driving that it would be unsafe to have stranded and enough money to reasonably afford a better car, it almost always comes down to the aggravation factor. Once it sta...
by rickmerrill
Sun Nov 16, 2014 12:52 am
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 3013

Re: Employer changing commission structure..

I am not in sales but I have known a few that were and something similar has happened to most of them.
by rickmerrill
Fri Nov 14, 2014 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer changing commission structure..
Replies: 6
Views: 673

Re: Appliance Protection Plan

I never buy the protection plan either. You know the game is rigged in their favor so over the long run you should expect to win. I only protect against catastrophic losses I cannot self insure. An appliance, I got it covered. Come to think of it I've never been burned in 60 years.
by rickmerrill
Fri Nov 14, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 754

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Luanne, I whole heartedly agree with everything previously posted and would encourage you to look for ways to postpone SS to get as much of the COLA'd benefit as possible as Laura and others have stated. I don't know your situation and am not asking but my opinion is that you are on the lower end of...
by rickmerrill
Fri Nov 07, 2014 2:18 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 8120

Re: Very few kids in our neighborhood-Thoughts?

Tradeoffs abound. So true. I love Halloween and have complained annually about how few "trick-or-treaters" we get each year. This year three, most we ever had was a dozen. I have a friend that revels in having his next door neighbors help him with yard work and constant visits but me, I'm...
by rickmerrill
Mon Nov 03, 2014 1:36 am
 
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3493

Re: Athens and London, what to do and where to stay?

Greece, my wife is from Athens but she was of little help with hotels (never needed one) or current happenings (she is out of date) so I'll give you the American visitors point of view. See the ancient sites in Athens, Plaka and if interested see Delphi or Olympia or a monestary and then try to get ...
by rickmerrill
Sat Oct 25, 2014 1:58 am
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 2360

Re: Should I Sue? [couch damaged in garage of rental]

Agree with Texasdiver. If it comes to bargaining appeal to their sense of business ethics, don't threaten, let them know you just want a fair amount to repair your couch. If still no satisfaction I'd file in small claims court and hope they come up with a suitable amount to avoid the hassle. I watch...
by rickmerrill
Fri Oct 24, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Should I Sue? [couch damaged in garage of rental]
Replies: 39
Views: 3464

Re: Help Change Direction - Invest or Fix Personal Finance

Get out of debt.
Stay out of debt.
Save as much as you possibly can for as long as you can.
Live BELOW your means.
Relish the thought that financial independence will set you free.
Your future is all about the decisions you make now.
Have a good life!
by rickmerrill
Wed Oct 22, 2014 4:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1261

Re: Buy a new car, or fix the old one?

It's frequently difficult to justify a new car's expense compared to the ongoing costs of fixing an old one though many people do. After thinking about it a lot over the years I think an objective person, one who can afford a new one and thinks of a car as transportation (not of their ego), will buy...
by rickmerrill
Wed Oct 15, 2014 12:02 am
 
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 3224

Re: Apple Airport Extreme vs Express as Range Extender

Yes, and since everything is so site specific I'd do the same with any wireless hardware purchases. I had not researched interference issues with powerline networks but looking at netgear's troubleshooting guide it looks like most issues stem from either old equipment or other electrical issues with...
by rickmerrill
Tue Oct 14, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 862

Re: Apple Airport Extreme vs Express as Range Extender

In general yes and often better but there are so many variables. This article covers most of the options available and the pros and cons of each http://thewirecutter.com/reviews/best-wi-fi-extender.
by rickmerrill
Mon Oct 13, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 862

Re: Apple Airport Extreme vs Express as Range Extender

My situation was somewhat different as I had one spot with slow/no connectivity. Using powerline technology was a good fit and it doesn't suffer from the 50% bandwidth hit of wireless repeaters. Basically you get two devices in a kit. One connects to the router with Ethernet. That sends the signal t...
by rickmerrill
Mon Oct 13, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 862
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