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Re: Town home, good or bad idea?

There are 2 sides to every story. If you move closer to work (say 15 minute drive or walk instead of 2 hours) you would increase your hourly pay by 20% to 25%. Your total pay, however would only increase by your saving in fuel. On the other hand buying for short term is usually not a good idea. The ...
by wilpat
Mon Apr 21, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Town home, good or bad idea?
Replies: 21
Views: 1535

Re: POLL: what's the deal with Tuna Fish?

FWIW, Tuna is the second most consumed seafood in America. Second only to shrimp.
by wilpat
Sun Apr 20, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3143

Re: Flights D.C. to London: Buy now or wait?

I have often said that no sane person will ever figure out airline fares! I needed to go to Cairo, Egypt a little over 20 years ago and the normal price was $3,300. I was able to get a ticket for $2,200! Then my trip got cancelled. I got my money back with no problem. A few weeks later my trip was r...
by wilpat
Sat Apr 19, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 37
Views: 1790

Re: Question about IRS Online Payment from Checking Account

A long time ago (1980 tax year) I owed a large tax bill ($279,000) and it took them 29 days to cash my check!
by wilpat
Sat Apr 19, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 24
Views: 875

Re: Baby Boomers: Top 10 Movies

bill1958 wrote:Blazing Saddles classic humor. Caddyshack too.


I love Blazing Saddles!
It is the last movie I ever saw in an actual theater --in 1974 when it first came out. Haven't been in a theater since.
by wilpat
Sat Apr 19, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: Getting Passport without specific travel plans?

What does "Fig ets nomen eius" mean? I tried google with ???? results.
by wilpat
Fri Apr 11, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1803

Re: Free "If You Can" Kindle and .pdf eBook

Thank you very much! I am just beginning to read it. :D
by wilpat
Sun Apr 06, 2014 3:33 am
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 7191

Re: best tips for passwords?

That depends on two things: ⋅ Does the attacker know how you're generating the password? And is it in their password guessing algorithm? ⋅ How good is excels random number generator? Any method that is widely used, or that is known to be used by a targeted individual will be in ...
by wilpat
Tue Apr 01, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: best tips for passwords?

Here are some passwords that are completely random. They were done on an excel spreadsheet utilizing random sort. There are no references to any specific words or known numbers. %#%oYQ5$(6B@8MqrErKW 7nICdN2cr3O@EA10%zu^k 9ayQa&dXgDb!%xD2WMqR ls7bh8tfC9hG!Fw&3SBP lVoZtRtsGp176$WK*U8H pmYz%JL@...
by wilpat
Mon Mar 31, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: best tips for passwords?

You can test your passwords here. https://howsecureismypassword.net/ Mine all tested that it would take a desktop computer 344,000 years to break it! :shock: That site is pretty terrible, because it only accounts for brute-forcing passwords. In general, the programs out there that try to guess pass...
by wilpat
Sat Mar 29, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: best tips for passwords?

You can test your passwords here.

https://howsecureismypassword.net/

Mine all tested that it would take a desktop computer 344,000 years to break it! :shock:
by wilpat
Sat Mar 29, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: Updating Windows 8 to 8.1

Yes! for sure get 8.1.

I also use classic shell which is free and really makes Windows 8 (8.1) easier to use.

http://www.classicshell.net/
by wilpat
Tue Mar 25, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Updating Windows 8 to 8.1
Replies: 15
Views: 1099

Re: Flying in and out of Midway

There are 40 different places in the US known as Midway.
http://geography.about.com/od/lists/a/placename50.htm
by wilpat
Sun Mar 23, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Flying in and out of Midway
Replies: 13
Views: 1147

Re: Do you love your job? What do you do?

I worked from age 14 (summers weekends holidays etc. during high school) until age 72. I retired because of some health problems. If I had my choice I would be go back work immediately . I cannot think of a dozen days in my 58 years of working that I did not get up looking forward to going to work. ...
by wilpat
Sun Mar 16, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10113

Re: Cheap good kindle books?

I get Kindle books from:
1. Bargain Booksy
2. eBookDaily Kindle Freebies
3. BookBub
4. Riffle
5. Bookish
6. Amazon.com

I do about 30 books a month. (I am retired with lots of reading time) :D
by wilpat
Wed Mar 12, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap good kindle books?
Replies: 10
Views: 878

Re: PenFed 5/5 ARM advice

I am using the PenFed 5/5/ARM (got it about a year ago starting @2.5%).
I did mine that way because my situation is probably not the normal.
Any time the rate goes to high for my liking I will simply pay the loan off.
by wilpat
Wed Mar 12, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM advice
Replies: 14
Views: 1039

Re: Alternatives to MINT.com

Excel 2013.
by wilpat
Sun Mar 09, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 3195

Re: H&R block taxes

I did my own taxes with H&R Block software. 1-1099 INT, 6-1099 DIV's, 3-1099 B's, 4-1099 R's, 1-1099 G and 2 SSI W2's. It took me about 90 minutes from start to finish and cost about $90.00 including fed and state.

Both accepted in 3 days and ACH transfers completed in a week.
by wilpat
Sat Mar 08, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R block taxes
Replies: 8
Views: 584

Re: On shaving expenses

My electric razor cost me about $50.00 and I expect it to last 5 years or so. The electricity cost to run it runs about $.15 per year. so the total cost would be in the range of $.21 per month. :wink:
by wilpat
Sat Mar 08, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1187

Re: Retirees: About your retirement

I worked from age 14 (summers weekends holidays etc. during high school) until age 72. I retired because of some health problems. If I had my choice I would be go back work immediately. I cannot think of a dozen days in my 58 years of working that I did not get up looking forward to going to work. I...
by wilpat
Sat Mar 08, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 5496

Re: Mouse/Rat traps

The early bird gets the worm, but the second mouse gets the food :happy
by wilpat
Fri Mar 07, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1781

Re: Planning first trip to Oregon and Seattle - advice sough

Speaking of the weather in Seattle ( lived there many years ago) we always said that the summer 1965 was particularly nice because it came on a weekend!
by wilpat
Tue Mar 04, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1702

Re: Planning first trip to Oregon and Seattle - advice sough

I must agree with those who mentioned the Columbia River gorge! Take the old highway and you will want to live there for the rest of your life!
by wilpat
Tue Mar 04, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 1702

Re: Bogleheads.org Home Page Updated

The new page looks great! It looked fine yesterday also, but it seems to read easier today.
Thank You for all of the attention you give to the members. :happy
by wilpat
Tue Mar 04, 2014 11:42 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9150

Re: Amtrak across the US?

I took a train from Greensboro, NC to Ft. Myers, FL last year. The train stopped 32 times on the way down!
The first thing I did when I arrived was to get on-line and buy a plane ticket back!
by wilpat
Mon Mar 03, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Amtrak across the US?
Replies: 38
Views: 2627

Re: [POLL] What do Bogleheads DRINK?

25 Years ago my answer would have been different. I quit coffee, liquor and tobacco all the same day on my 50th birthday.
I was in the hospital (intensive care) and they don't usually let you drink and smoke there.
It was surprisingly easy to give all that stuff up!
by wilpat
Mon Mar 03, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3761

Re: Does Medicare cover annual physical exam?

Kind of a grey area here. I believe Medicare now covers a colonoscopy once every 10 years, but it apparently covers more frequently based on Drs. orders. I've had three within less than 10 years. After the first routine one, the Dr. wanted me to have another just 3 years later - no specific reason ...
by wilpat
Sun Mar 02, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Medicare cover annual physical exam?
Replies: 20
Views: 1027

Re: How do I attach a statement when filing electronically?

I would submit it without any attachment. If they need it they can ask.
by wilpat
Thu Feb 27, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I attach a statement when filing electronically?
Replies: 29
Views: 1494

Re: Cruel math

Oicuryy wrote:I've been saying for nearly ten years that investment gains and losses should be measured in millinepers.
Ron


Having dealt with decibels (db) for my 58 years in the telephone industry I must wholeheartedly agree!
by wilpat
Wed Feb 26, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2803

Re: Best place to procure a mortgage

Pentagon Federal Credit Union has typically good rates with no closing costs. https://online7.penfed.org/PenFedOnline/Forms/ProductsAndRates/Loans.aspx True of only PenFed's 5/5 ARM and home equity loans. All others have closing costs, and, typically, a 1% origination fee. Even with the closing cos...
by wilpat
Mon Feb 24, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 714

Re: Best place to procure a mortgage

Pentagon Federal Credit Union has typically good rates with no closing costs.

https://online7.penfed.org/PenFedOnline ... Loans.aspx
by wilpat
Mon Feb 24, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 714

Re: Best place to procure a mortgage

Pentagon Federal Credit Union has typically good rates with no closing costs.

<https://online7.penfed.org/PenFedOnline/Forms/ProductsAndRates/Loans.aspx>
by wilpat
Mon Feb 24, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 714

Re: Anybody in a posistion of leadership or management?

I was a manager for about 50 years and am now retired. The most important tool a manager has are the 2 things attached to the sides of your head--"EARS"!! I very rarely told anyone how to fix a problem - I "ASKED" them how they would fix the problem. Many many times they knew how...
by wilpat
Sat Feb 22, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody in a posistion of leadership or management?
Replies: 11
Views: 1779

Re: Do you balance your checking account?

I use an excel spreadsheet and enter every transaction on it daily. I use many debit card transactions and ACH in and out. When a transaction is done I place it in a "pending" column until the bank posts it to my account. My credit cards are done in almost the exactly manner. This takes me...
by wilpat
Sun Feb 16, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4921

Re: best tips for passwords?

I have several ways to do passwords. 1. My Marine Corps ID (from 58 years ago) in reverse order preceded by ! with Sir added to the end. 2. 2 or 3 of my grandkids middle names (girls UPPER CASE/boys lower case) in reverse order with the oldest preceded by ! the second oldest preceded by @ the third ...
by wilpat
Sun Feb 16, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: fluorescent tube light bulbs

Thanks everyone. It appears T12s are still sold, although I read something that said they were discontinued. I'm not climbing up to the garage ceiling to replace a fixture that is seldom used. Replacing the light bulbs is bad enough. T12's are still sold and will be for quite a long time. Look up t...
by wilpat
Sat Feb 15, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: fluorescent tube light bulbs
Replies: 12
Views: 989

Re: fluorescent tube light bulbs

A couple of at least ten year old fluorescent light bulbs in the garage need replacing. They're marked Econ-O-Watt Rapid Start Only F40D/RS/EW-B 40 watt. So I've been grubbing around the Lowe's website, and it's not clear to me if the "lamp shape," i.e. T8, T12, etc. matters. I found on t...
by wilpat
Sat Feb 15, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: fluorescent tube light bulbs
Replies: 12
Views: 989

Re: Cheap reading for a senior - Kindle or regular books?

I am an addictive reader! Before I retired I read an average of 4 books a week for over 60 years. Since I retired I read on average 1 book a day. I use a kindle and could not imagine anything that would make me ever change that! I use all of the free and cheap books available -- including the librar...
by wilpat
Fri Feb 14, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 2419

Re: Pet peeve: When people refer to this forum as "Bogglehea

I had a young fellow working for many years ago and he was a really terrible speller! One day he called me and said "I now have spellcheck and my bad spelling days are over". I said "Good for you, but please continue to send me your letters before you send them to a customer for a whi...
by wilpat
Thu Feb 13, 2014 12:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2447

Re: I'm feeling old today

I vividly remember VJ Day (8/15/1945). My mother took my sister and I to downtown Portland Oregon and I said to my Mom "Why are all those people kissing each other?" My Mother said "The war is over!" I was about 5 1/2 years old and didn't even know that there was a war going on. ...
by wilpat
Thu Feb 13, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: I'm feeling old today

I can remember in the 40's on Sunday evenings my whole family would sit in my Grandmothers living room and "watch" the radio!
by wilpat
Thu Feb 13, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: Need Behavioral Advice (Senior Nutrition)

There is a fine line between being a concerned child and overbearing. My 84 yo father has decided that he will eat what he wants to eat for the remainder of his days. Most of the time, he does quite well. His feeling is that he does not want to live forever. On my grandmothers 95th birthday we all ...
by wilpat
Wed Feb 12, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 33
Views: 1709

Re: Raising kids in a small town vs. big city/suburbs

Not to pick on the OP at all, but I've always found it amusing how people define "small town". I was raised on a farm near a town of 700 people. There were 29 kids in my class, a fairly large class at the time. A "city" to me was a town of about 20,000 which was 45 miles away. I...
by wilpat
Tue Feb 11, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4853

Re: Any less expensive sources for Lipitor?

I use <http://www.universaldrugstore.com/> in Canada and have absolutely no problems. A drug (not Lipitor) that costs $95.00 here costs $29.00 there including shipping.
by wilpat
Fri Feb 07, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2969

Re: I'm feeling old today

I find that there are 2 signs of approaching old age ----- Loss of memory and ---- uhh --- I forget the other one!
by wilpat
Fri Feb 07, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: I'm feeling old today

Sometimes I get to feeling old -- 3 of my kids are older than the president -- 16 Grandkids -- 2 Great Grandkids ---- But the one fact that really makes me feel old is that next month my oldest daughter will celebrate her 36th wedding anniversary! Which, in these days, seems not to be the norm.
by wilpat
Fri Feb 07, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6649

Re: What interest rate did you get on your car loan?

0% --- 100% down and nothin' a month for the rest of my life!
by wilpat
Tue Feb 04, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 3798

Re: Buying the most expensive house you can afford

Back in the 60's and 70's I did just that (Buy the most expensive house you can afford) and I made a lot of money doing it. Examples: Built a house for $47,000 and sold it 15 Months later for $89,000 -- Bought a house for $92,000 sold it 18 Months later for $149,000. Bought a house for $115,000 sold...
by wilpat
Mon Feb 03, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 7596

Re: Keeping internet provider without price hikes

I call them every year and ask for the retention department and (after a little delay) they reduce it back to about what it had been until the change.
by wilpat
Sun Feb 02, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Keeping internet provider without price hikes
Replies: 53
Views: 3937

Re: How do you pay your PenFedVisa gas card?

I pay all of my credit cards and (almost) everything else electronically from my checking account at my local bank.
by wilpat
Sun Feb 02, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 787
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