Search found 1085 matches

by Cosmo
Sat Apr 15, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -Filing an Extension for Mother
Replies: 2
Views: 271

Taxes -Filing an Extension for Mother

My elderly mother has been in the hospital for the last several days and she will not be able to do her own taxes. All of my sisters are totally freaking out about it and were going to call the IRS and ask them what to do. I told them (they are all in another state) that she needs to file Form 4868....
by Cosmo
Sat Apr 15, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1404

Re: radio alarm clock that projects the time on the wall or ceiling

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light ...
by Cosmo
Sat Apr 15, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1598

Re: Pay off debt or fund retirement accounts?

I do not think you should live without an emergency fund. Banks can revoke your card and if so, likely when you need them most. The advice above to use a cc as your emergency fund is risky. The OP would still have around $5,000 left in the emergency fund and would have TWO credit cards to use in th...
by Cosmo
Sat Apr 08, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2336

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

If you are that obsessed about having CarPlay, then just get an aftermarket "CarPlay" for your Mazda. Sony makes one:

https://9to5mac.com/2016/12/08/sony-aft ... available/
by Cosmo
Sun Apr 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 10365

Re: Saving 50% of salary; what does it really mean?

They mean after tax. That seems like it should have been the obvious answer to you. Actually, you would be wrong assuming that "should have been the obvious answer". I interpret that as 50% of gross income. Why shouldn't I look at it that way, when a potentially large chunk of your salary...
by Cosmo
Thu Mar 30, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Two iPhones, one iCloud account, ring just one phone
Replies: 10
Views: 675

Re: Two iPhones, one iCloud account, ring just one phone

Check in two places. Settings------>FaceTime and Settings----->Messages. It is important that each of you only have your own phone numbers (and emails) checked. Finally, go to Settings-----> Phone and make sure you disable wireless calling. It is not necessary to have two Apple IDs! This should fix....
by Cosmo
Sun Mar 26, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2020

Re: Can a cell phone get hacked?

Can a cell phone get hacked? Yes - google and you will find the answers - just about everything has been hacked. Waiting for my toaster to be hacked. Android phones - http://money.cnn.com/2016/11/30/technology/android-phones-infected/ Apple phones - http://www.foxnews.com/tech/2017/03/24/wikileaks-...
by Cosmo
Fri Mar 24, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3815

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Fri Mar 24, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3448

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...
by Cosmo
Fri Mar 24, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 3815

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Wed Mar 22, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3448

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...
by Cosmo
Wed Mar 22, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3448

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mob...
by Cosmo
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3382

Re: Do I need new tires?

Here's the backstory. My car is a '03 Honda Accord with 127,000 miles. After an oil change this week I asked my mechanic to check my six year old tires. His shop doesn't sell tires. His conclusion, although tread is at legal limits of 2/32, he recommends I replace all four simply because of their a...
by Cosmo
Sun Mar 19, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2294

Re: Creating a Will

I think a will and living trusts are important enough to make sure they are done right and should be left to a lawyer to do instead of risking it with a software program. We also set up a "letter of intent", to help guide the executor of our will in case they had any questions about distr...
by Cosmo
Sun Mar 19, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2294

Re: Creating a Will

Bogleheads, Despite being 25 years of age, as a personal banker I often see the negative effects of improper planning of death. Thankfully, most of the scenarios have had a positive outcome (speaking lightly of death), however I have experienced a couple of scenarios when greed intervenes or disorg...
by Cosmo
Sat Mar 18, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 3948

Re: Investing in - WATER - thoughts

Is there really a scarcity of water in California? I don't believe so. You got an endless supply of water from the Pacific via desalination. In fact, the nation's largest desalination plant is located in San Diego County and is expected to furnish the county up to 10% of their water supply. The onl...
by Cosmo
Sat Mar 18, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 3948

Re: Investing in - WATER - thoughts

Just watched the NatGeo special on the California water crisis - http://channel.nationalgeographic.com/water-and-power-a-california-heist/ As a friend pointed out - the wild west has always had its battles around water rights, and now it has been ramped up between the various modern day players. BT...
by Cosmo
Sat Mar 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9787

Re: Anyone else taking less risk

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...
by Cosmo
Sat Mar 18, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1793

Re: When does a new computer make sense...

I'll never go back to a non-Retina screen. Not sure you need one though and we haven't upgraded the iMac to one with an SSD or better screen. Happy with the new macbook. I have a 2011 iMac model so going on six years. Still working just great; I have not noticed any slow down yet. In fact, when I c...
by Cosmo
Fri Mar 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3990

Re: Help with rebuttal to a Facebook post

A guy I know who works for Edward Jones put this article on Facebook. https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 Would you guys more familiar than I with the index funds and the tric...
by Cosmo
Fri Mar 17, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 19
Views: 1370

Re: How to know if power is cut to smoke detector

ddurrett896 wrote:Every homeowner should own this kit. The non-contact tester will tell you if the line has power.

http://www.homedepot.com/p/Klein-Tools- ... 367271-_-N


^This.

Cosmo
by Cosmo
Thu Mar 16, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3295

Re: How do you cope with regret over selling too soon?

What if you had 2,000 shares of Blackberry, Enron, Pets.com, etc.? I should've bought apple @ $10 a share when we were the only people around with Macs in the 90's. No regrets! :happy I had a bunch of Enron shares back when I was employed there for a couple of years. That trade didn't work out very...
by Cosmo
Thu Mar 16, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3295

Re: How do you cope with regret over selling too soon?

What is this "sell" that you speak of? Do you mean the yearly "sell-to-buy" that's done to rebalance accounts to achieve my target asset allocation? Regret? Over what? I rebalance, the AA is perfect on my birthday, I wait for next year to do another sell-to-buy. The OP is talkin...
by Cosmo
Tue Mar 07, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 844

Re: Using turbo tax online

tc101 wrote:I paid for the online version and I still can't find a way to see my tax forms. Last year I could download a pdf.



They are definitely there. They give you a choice to print/view them once you finish. I printed mine out with no problems.
by Cosmo
Mon Mar 06, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1692

Re: Net Worth Calculation (Question/Opinion)

Curious on your thoughts Bogleheads: I know people differ on whether or not to include one's home equity when calculating net worth. I'm not interested in that debate as I firmly believe it is to be included. For those that agree, do you back out the amount it would cost to sell the home? I have be...
by Cosmo
Sun Mar 05, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Should the money earmarked for certain expenses be part of net worth?
Replies: 52
Views: 3322

Re: Should the money earmarked for certain expenses be part of net worth?

I track and view my net worth as I would a financial statement for a company. It's a snapshot in time and backward looking as opposed to forward looking. Looking at a net worth report over time (I update it at the end of each month) shows me a history of my financial progress (when I've made large ...
by Cosmo
Sun Mar 05, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Nice portable Bluetooth speakers
Replies: 17
Views: 964

Re: Nice portable Bluetooth speakers

Another vote for the Bose Mini.
by Cosmo
Tue Feb 28, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 50
Views: 2263

Re: Grass trimmer

I've used this Echo trimmer (http://www.homedepot.com/p/ECHO-2-Cycle-21-2cc-Straight-Shaft-Gas-Trimmer-SRM-225/100675439) for the last four years and have never had a problem. The bump feed line works just like it is supposed to and is very easy to reload. Price is a little more than you wanted to ...
by Cosmo
Tue Feb 28, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 733

Re: TD -Problem with Savings Bond Calculator

Summary: "Works fine for me." Sorry, I know how infuriating that is. It seemed to work for me. In my case, though, I wasn't actually using an html file, I was using a "web archive" in Mac OS X Safari, which (somehow) saves more of the appearance of a web page than html does. Let...
by Cosmo
Tue Feb 28, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 733

Re: TD -Problem with Savings Bond Calculator

Are you using Google Chrome, Cosmo? The Savings Bonds Calculator Inventory Instructions say it is "not compatible". Using the Savings Bond Calculator (SBC) with Firefox I just tested creating a list of I Bonds, saving it as an .html file, and then opening it. This worked fine. I also open...
by Cosmo
Mon Feb 27, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3206

Re: Outdoor grill: gas or electric?

+1. I'm a charcoal purist as well. I'm not sure I would use the words charcoal and purist in the same sentence, especially if referring to briquettes, self-igniting charcoal or lighter fluids just for the extra chemicals/substances they contain. No, never self-igniting charcoal and never lighter fl...
by Cosmo
Mon Feb 27, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 733

TD -Problem with Savings Bond Calculator

I have been saving an inventory of dozens of paper I-Bonds (IRS Tax refunds) on my iMac 2011 as an html file. This evening, when I open up the file and click "Return to Savings Bond Calculator", it does not pull in my inventory. I have been doing this for 5-6 years now with no issues -unti...
by Cosmo
Sun Feb 26, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3206

Re: Outdoor grill: gas or electric?

Neither! I have been all charcoal since 2000 and have never regretted it. Love the taste and getting a uniform or controlled heat is never a problem with a Portable Kitchen Grill. The nice thing about it is the unit is very stingy on charcoal. You can often use the same charcoal twice and sometimes ...
by Cosmo
Sun Feb 12, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3283

Re: Which 25X is it?

C.

Cosmo
by Cosmo
Sat Feb 11, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22283

Re: Consumer Reports: "Vanguard Does it Best"

Bogleheads: With millions of customers, any company will make mistakes and fall-short of 100% good service. This forum is a logical place to vent anger and disappointment. The September 2016 issue of Consumer Reports did a survey of more than 150,000 investment company readers asking about: Investm...
by Cosmo
Sat Feb 11, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2058

Re: iPhone SE 16GB - is memory adequate?

dumbbunny wrote:16GB is more than adequate for the way you say she will use her phone no matter which phone you decide.


I agree. Photos and videos would fill it up quickly like Edge above pointed out but these can easily be offloaded and transferred to iTunes on a frequent basis if this is an issue.

Cosmo
by Cosmo
Fri Feb 10, 2017 9:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 319
Views: 16836

Re: Your USER NAME...what does it mean?

Probably self explanatory for most people here but Cosmo is a character in "Seinfeld", one of my favorite sitcoms. Even though I joined this forum at the very beginning, I was very surprised that "Cosmo" was not taken yet. I was fully prepared to use any of Cosmo's alias names on...
by Cosmo
Tue Jan 31, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2571

Re: what do you do to avoid the advertising noise?

Just read this incredible blog/news post, which found that the Trump team used big-data analytics to target (successfully, one would think) individuals with ads on their Facebook: http://motherboard.vice.com/read/big-data-cambridge-analytica-brexit-trump . This is NOT a political thread so please d...
by Cosmo
Sun Jan 29, 2017 4:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8530

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

I know that this is belated but I wanted to take the time to thank you for everything you do here at Bogleheads. Your well thought-out, carefully crafted, succinct messages are greatly appreciated by all! Thank you for your service to our country and Happy Belated Birthday.

Cosmo
by Cosmo
Sun Jan 29, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 4236

Re: Input on Apple Watch-Buy or Not?

Both the spouse and I have Apple Watches and we both have said we would replace them right away if we lost them. Notifications on the wrist are great. I also check the stock market on the watch, answer calls, send texts, respond to texts and emails, and track my activities. I can also play Pong on ...
by Cosmo
Sat Jan 28, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6480

Re: Criteria for admittance to the 2-comma club

livesoft wrote:The real two-comma club is when your portfolio goes up by at least a 2-comma amount in a single year.


Thanks for the reminder. I still need to purchase my lottery ticket for tonight. :-)
by Cosmo
Sat Jan 28, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 6480

Re: Criteria for admittance to the 2-comma club

island wrote:
Tycoon wrote:
goingup wrote:Investable assets. I never included home, rental, pension, etc.


I subscribe to this methodology.


Me too.


This makes sense, unless you have a mortgage. Wouldn't you want to include that liability in your assets, along with the asset itself?
by Cosmo
Sat Jan 28, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6276

Re: where to retire?

I have been searching for a mild climate to retire. I live 1/2 mile from the beach in Southern California so looking for the good lifeCriteria: Excellent weather- don't care for much rain and no snow Seattle Washington Scottsdale, AZ Austin TX Bend, OR Portland, OR Albequerque, NM Hawaii but where?...
by Cosmo
Sun Jan 08, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes for the first time--Please help!
Replies: 33
Views: 2482

Re: Doing taxes for the first time--Please help!

May I suggest an even bolder proposal? Can you do your taxes by reading the Form 1040 instructions and filling out the return with a pencil? That is really the only way you are going to get your first benefit about learning. IRS Publication 17 will get you started. irs.gov has all the forms and ins...
by Cosmo
Wed Dec 28, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10487

Re: How to get rid of your belly........

Silverado wrote:
rgs92 wrote:I saw comments that fruit can add a lot to your weight. I thought fresh fruit (not juices) was a good thing. What is true here?


Fruit has calories, so too much is too much.


Too much of anything is not good.
by Cosmo
Mon Dec 26, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10487

Re: How to get rid of your belly........

Cut sugar out completely and also eliminate bread, pasta, and other grains including beer. Google paleo diet...Mark's Daily Apple is helpful. If you haven't tried before, you'll get great results. Mark's Daily Apple is actually a variation of the Paleo Diet or Primal. The difference here is on the ...
by Cosmo
Mon Dec 26, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10487

Re: How to get rid of your belly........

I started the Primal Diet back in June, which is a high fat and protein diet but cutting out sugars and ALL grains. Basically all your carbs are coming from fruits and vegetables, which means you really need to increase your intake of these. I love eggs and consume over a dozen a week. I quickly los...
by Cosmo
Sat Dec 10, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 10221

Re: Warning: BH may be hazardous to your financial health

I've saved so much money not having a Costco nor Sams membership and not buying Vitamix, Echo watches, and other junk that I can afford a Netjets subscription which is actually useful to me. Do you recommend something else other than a Vitamix? I've been using my blender to make smoothies, but hone...
by Cosmo
Sat Dec 10, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Warning: BH may be hazardous to your financial health
Replies: 63
Views: 10221

Re: Warning: BH may be hazardous to your financial health

stlutz wrote:You need to spend more time here so you don't have time to shop.


+1 Agreed. See Livesoft and his 50,000+ posts. :D

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