Search found 3165 matches

by Ged
Wed Aug 23, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 34
Views: 2248

Re: Lowes vs Home Depot

Home Depot. A little closer, the parking lot has a much better accessibility from the road I use and there isn't cross traffic from other stores because it's by itself. Plus I had a bad experience in Lowe's a few years ago - I picked out my stuff and showed up at the registers - not one was manned. ...
by Ged
Wed Aug 23, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 38
Views: 2291

Re: What do you do with RMD money you don't need?

If you're fortunate enough to have more $$ than you need to live on from RMDs/Social Security and possibly a pension, what do you do with the excess money from your RMDs? Do you spend it on the things you always lusted after, re-invest it (stocks or bonds/cds?), make donations to charity, or give i...
by Ged
Wed Aug 23, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 4
Views: 369

Re: Stocks On Sale - What do you buy?

I don't buy on dips. What if the market doesn't dip for a decade? The next dip could be at a higher price than the market is at today. Buying on dips could leave you on the sidelines through a major bull market. I rebalance my holdings on an ongoing basis to a target stock bond ratio. I do adjust my...
by Ged
Fri Aug 18, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 14972

Re: Lost $7000 today in ONE DAY!

LOL. I started buying stocks in 1978. The S&P was in the 90's.

Day to day fluctuations are tiny compared to the long game.
by Ged
Tue Aug 15, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3000

Re: Your Movie Collection?

Elsebet wrote:
Mon Aug 14, 2017 2:28 pm
I buy a physical version if I intend to watch it often and it's not available on streaming. Even if it's available currently on streaming that is no guarantee it will be in the future.
Exactly why I keep my movie disks.
by Ged
Mon Aug 14, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1379

Re: Lightning strikes nearby locking up my new smart thermostat

Hockey10 wrote:
Mon Aug 14, 2017 12:26 pm
look into installing a whole house surge protector
+1
by Ged
Mon Aug 14, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: National credit card debt highest since 2008
Replies: 4
Views: 696

Re: National credit card debt highest since 2008

Why would you worry about a reduction in rewards? Surely rewards aren't critical to maintaining your way of life? CC rewards are the whole point of those who accumulate a dozen CCs for their bonuses, etc There's a whole subculture devoted to this... Sure, I was aware that people play this game, muc...
by Ged
Mon Aug 14, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: National credit card debt highest since 2008
Replies: 4
Views: 696

Re: National credit card debt highest since 2008

Why would you worry about a reduction in rewards? Surely rewards aren't critical to maintaining your way of life? The banks of course will continue to dance until the music stops. If I was at all concerned I'd be watching default rates, which while increasing are still low by historical standards. h...
by Ged
Mon Aug 14, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 33
Views: 2254

Re: ipad or tablet for hospital?

I've been in the hospital overnight twice in the past couple of years, two different hospitals. I had a tablet with me both times. It was a great comfort. There was no problem with getting good wifi service and having use of the internet really helped alleviate the boredom of being confined consider...
by Ged
Sun Aug 13, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 106
Views: 16544

Re: Best place (with warm weather) to raise children

My wife and I may consider moving once our children start public schools. When that time comes we hope to be able to work part-time so we want to really enjoy where we're living. Our top priorities would be: 1. Top-notch public K-12 schools (or possibly inexpensive/free charter) 2. Great weather (s...
by Ged
Sat Aug 12, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6573

Re: How does personal wealth affect job hunting?

Yes. Mostly what it meant is that as got nearer to retirement my work day got shorter. Pay I didn't care that much about. What I didn't like was the stress the company owner was trying to apply. I did like my immediate boss, and his boss was ok. The end was when they left to go to a new employer. I ...
by Ged
Thu Aug 10, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: "Upper Middle" Class - ditch WLI or ride it?
Replies: 32
Views: 5560

Re: "Upper Middle" Class - ditch WLI or ride it?

Yes ditch the WLI. With prejudice. Also simplify the 401K. All those fancy pants actively managed funds are ripping you off. Put your money into whatever the lowest fee broad index fund in the plan is. Move the money you are putting into Northwestern/American to Vanguard or Fidelity and put it into ...
by Ged
Thu Aug 10, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 2520

Re: Investing In Water

Has anyone given this much thought? Yes, I used to work in that industry. It is a commodity large capital investment low return on capital mature technology with much government regulation industry. Most of the water suppliers are municipalities or private utilities that are heavily regulated. The ...
by Ged
Sun Aug 06, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7109

Re: Study: Who Sold Stock During the 2008-9 Crash?

I sold everything in Feb 2007 because the housing situation was very disturbing to me, and my chief financial advisor (Dad) was advising me that the things happening in housing were not sustainable. I started DCA'ing back in 2008 after the market dropped 25%, which is what I thought normal for a rec...
by Ged
Sat Jul 29, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 21310

Re: Living Off Dividends

If an investor had say three years of living expenses in a money market account, and could live off the dividend yield (say 2.5%) of a dividend-oriented index fund, is there any reason to own bonds? The logic being that in aggregate, dividends rarely get cut, and when they do, they tend to be resto...
by Ged
Sun Jul 16, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Likelihood 20/80 AA going Zero.
Replies: 8
Views: 1031

Re: Likelihood 20/80 AA going Zero.

TIPS will mostly cover inflation protection. Of course there are some caveats like your personal inflation rate may differ from the index TIPS use. And of course there are taxes. TIPS are not tax efficient. If you are concerned about longevity risk or want growth for a legacy then you need equities....
by Ged
Sun Jul 16, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5451

Re: Thoughts on individual dividend investing?

the dividend investing flow chart -- Start-->Do you believe dividend investing leads to higher returns? +No --> seek a total return approach (standard boglehead) +Yes--> Do you believe you are better than the professional investors who are managing funds focused on the same strategy? +++No --> Tilt...
by Ged
Sun Jul 16, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Likelihood 20/80 AA going Zero.
Replies: 8
Views: 1031

Re: Likelihood 20/80 AA going Zero.

Why would you need any money in equities? 3% over 30 years will leave 10% at the end.

It seems to me you have no need to take the risk of rebalancing.

Risk is something you tolerate for a reason. If you don't need to take it, don't.
by Ged
Sun Jul 16, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3629

Re: what's your secrete to cleaning inside car windows?

The Best Wal-Mart https://i5.walmartimages.com/asr/64b6478a-ddcd-4ab2-90b9-7384316aa6e8_1.d006ba6167dc192a9f1caaeafa3aa38d.jpeg?odnHeight=450&odnWidth=450&odnBg=FFFFFF I agree. I learned about this product when Safelite came to replace a cracked windshield. The installer used this to clean ...
by Ged
Thu Jul 13, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9769

Re: Do you count vehicle equity in net worth?

I don't count furniture or other property Furniture unless it has some special attributes like it is a known value antique generally has a surprisingly low resale value. I would not count it. There are some other property items that sell well, but in general personal property is illiquid and is a s...
by Ged
Wed Jul 12, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13697

Re: Costco with a "gentle" bump for memebership

Goal33 wrote:Not sure what I save or not but Costco is fun


That's my feeling too. I probably don't save much more than the cost of membership on the items I buy there but I enjoy going there.
by Ged
Tue Jul 11, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2885

Re: Excel 2010 and Windows 7 -- Where to go from here?

I like the idea of moving to a new platform. Microsoft has had a history of forcing change on its developers from time to time. VBA is horribly old, considered dead and unsupported and is not consistent with the .NET platform. However there is a lot of existing Excel apps around that depend on it. H...
by Ged
Tue Jul 11, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange 80+ stocks with capital gains for funds?
Replies: 25
Views: 2085

Re: Exchange 80+ stocks with capital gains for funds?

...If there's a significant market downturn in the near future (and we all know one must come sooner or later), I'd presumably have another opportunity to sell further losses and offsetting gains, which I'd exchange for low-cost, broad-based funds... A significant downturn could significantly reduc...
by Ged
Tue Jul 11, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5422

Re: $1368 for new shocks/struts on '05 Corolla?

What part of the country are you in? If you are in heavily salted areas those bolts might not come off easily +1 I see PB Blaster in the OPs future I've had experience changing shocks when I was living in a place that used copious amounts of salt on the roads. Penetrant was not enough to do the job...
by Ged
Sat Jul 08, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4693

Re: Cheap TV Set-up for Limited Daily Use

A lot of cable companies make apps available that let you watch cable TV on tablets. If you have a wi-fi setup it is possible that something like a 7" Fire tablet will work for this.

It may be too much like using a computer though.
by Ged
Fri Jul 07, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10246

Re: Last 80 minutes of my career

Sheepdog wrote:Today, I wonder how I had time to go to work.


I've been out for almost 4 years. I often think the same thing.
by Ged
Thu Jul 06, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 457 Options CalPers vs. Valic
Replies: 6
Views: 496

Re: 457 Options CalPers vs. Valic

My wife had to use Valic for her 457. It was a giant pain. Only one 'low cost' fund and a hassle to roll it over to an IRA on retirement.

If you have an alternative you should give it a careful look first.
by Ged
Thu Jul 06, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11761

Re: "Bond wipeout has just begun"???

So is this "really" the end of the multi-year bond rally? And if bonds/bond funds are in for a long period of declining prices, and stocks are pricey, what do you do? Sit it out in a money market fund making nothing (and actually losing money to inflation)? m Declining prices mean increas...
by Ged
Thu Jul 06, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriately handling a transfer to Vanguard
Replies: 16
Views: 968

Re: Appropriately handling a transfer to Vanguard

1. The company was Ameriprise. 2. I had contacted Vanguard first, and let them drive the transfer process. 3. After Vanguard indicated the process was set up, I wrote concise and polite email to the FP indicating that I had initiated the transfers, with the decision based on my belief in passive in...
by Ged
Tue Jul 04, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: When to reinvest taxable and IRA dividends
Replies: 8
Views: 690

Re: When to reinvest taxable and IRA dividends

I automatically re-invest dividends on investments held in my IRAs.

I don't on investments held in taxable because all the transactions have the potential to complicate my income taxes. Instead I use the cash generated when I rebalance.
by Ged
Sat Jul 01, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: From Social Security: Potential Private Retirement Benefit Info
Replies: 2
Views: 488

Re: From Social Security: Potential Private Retirement Benefit Info

Yes I received a notice like this listing a former employer for which I am collecting monthly payments from an early retirement - I chose the monthly payments rather than a lump sum. I don't believe this is anything but a reminder to help people collect deferred retirement benefits they had forgotten.
by Ged
Fri Jun 30, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Lackluster ESPP worth contributing?
Replies: 9
Views: 689

Re: Lackluster ESPP worth contributing?

Since your plan does not purchase stock if the purchase price is higher than the FMV I don't see an issue. I think there is very little risk so long as you don't let the stock accumulate in your portfolio until it represents more than say a 5% concentration. 15% discount for a six month holding peri...
by Ged
Fri Jun 30, 2017 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Lackluster ESPP worth contributing?
Replies: 9
Views: 689

Re: Lackluster ESPP worth contributing?

How volatile is the stock?
by Ged
Wed Jun 28, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12472

Re: How did you handle the costs of your child's wedding?

Whenever I see sensational news stories about the "average" cost of a wedding in the U.S., I can't help but assume that the key driver is parents' desire to keep up with the Jones by having a "socially acceptable" level of extravagance per their friends and family. I suspect tha...
by Ged
Tue Jun 27, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3675

Re: Consumer Reports Renewal (or not?)

Not. The product reviews are largely useless, and the car reviews not very reliable any more. Furthermore large sections seem to be devoted to medical and nutritional advice that really should be provided by a professional who is aware of your personal history. There also seems to be an editorial bi...
by Ged
Tue Jun 27, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 4316

Re: New cars w/ no CD player -- what can I do with my CDs?

We occasionally buy CDs. Even before listening to them, I rip them to flac using ExactAudioCopy. Then I am done with the CDs, but DW or DS take them and play them occasionally. I guess I used to convert the flac files to mp3 to use in mp3 players mainly for use in the car. Now I don't bother. I jus...
by Ged
Tue Jun 27, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 842

Re: Go with fidelity index funds or vanguard etfs in retirement account

am wrote:Expense ratios are the same. Us total market, total international and total us bond for fidelity mutual funds and vanguard etfs.


The plan costs for these two options may be different.
by Ged
Mon Jun 26, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4604

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

(Yes feeling lazy to google or easy to type or helps others as well ) if I have Fidelity account, how does, Fidelity, makes money when I hold all Vanguard funds and ETFs, in a buy and hold fashion, with minimal transaction fees. I do the same. I also use a whole raft of other Fidelity services incl...
by Ged
Fri Jun 23, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2628

Re: Anyone have a habit of checking the market all day?

Back when I was trading individual stocks I used to occasionally do this. It consumed ridiculous amounts of time. Now that I've adopted passive investing I'm much happier.
by Ged
Thu Jun 22, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4546

Re: Google Fi? pros/cons? anyone using it?

It's particularly useful for international travel. Saying that, it worked great for me in Japan, but less so for two European trips. It worked, but it keep losing the network, giving a "No Service" error. I could force it to look for a network, which always solved the problem, but took a ...
by Ged
Mon Jun 19, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1557

Re: Trying to save money on prescription drug

I have Medicare Part D. My deductible is $400. I checked with Humana. The only other similar inhaler they cover is Flovent and it's over $300. Thanks When it comes time to renew your Medicare Part D coverage you might consider looking for a plan that has more favorable coverage for your inhaler. So...
by Ged
Mon Jun 19, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3638

Re: Fermenting Vegetables

Google chimchi and cancer. There are lots of references. I did that, but because correlation does not imply causation, I couldn't find anything that would lead me to the conclusion that kimchi ingestion causes cancer. I did find the link to "Oprah" amusing though. I'm skeptical of correla...
by Ged
Thu Jun 01, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2654

Re: Changing Car Cabin Air Filter - after how much time

I did my Accura at 15K miles. Ordered the new filter from Amazon and installed it based on a Youtube video. Total cost was $8.97.

Dealer wanted $100.

LOL.
by Ged
Wed May 31, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20828

Re: Laptop Purchase at Costco?

I took my MacBook Air to the Apple Store a week before AppleCare ran out and they replaced my battery for no additional fees. It was down to 82% of designed capacity. I don't know if this is still possible with newest models but it wasn't a user replaceable battery. MacBook Air batteries are not gl...
by Ged
Wed May 31, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20828

Re: Laptop Purchase at Costco?

Depending on use level and if the battery management system doesn't obsessively keep the battery topped off, it might. Laptop batteries are generally designed for 700 charging cycles. Most people get 3-4 years. If you don't fully charge it and don't often discharge it you can get more. However that...
by Ged
Wed May 31, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20828

Re: Laptop Purchase at Costco?

Anyways, I've noticed anecdotally that developers seem to have a greater affinity for Mac OS than other users. Probably partially because development environments don't tend to be complex enough to limit choices or prevent cross-platform adaptation. I used to be a developer. Software developers lov...
by Ged
Tue May 30, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20828

Re: Laptop Purchase at Costco?

The software selection is inadequate for whom? An average user? IBM has switched to Mac recently for their employees. Someone better let them know the software selection is inadequate. The laptop is impossibly thin & light. This is the tradeoff, it's not upgradable. The good news is, without an...
by Ged
Tue May 30, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 20828

Re: Laptop Purchase at Costco?

I would not buy a laptop from Costco because they do not sell Apple laptops. Apple laptops are huge money savers, long term. Upgradability is poor and the software selection is inadequate for current models. The current MacBook Pro has its memory and wi-fi card soldered to the motherboard, and the ...
by Ged
Mon May 29, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5962

Re: Credit unions are non-profit, how come they do not dominate over banks???

I'm just the opposite. I prefer my credit union over Wells Fargo for a host of reasons. But I need to keep the Wells Fargo relationship for my business accounts, mobile deposits, and availability of ATM machines. If I ever close the business and stop traveling, I'll shut down all non-credit union b...
by Ged
Sun May 28, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Private Pension Cuts
Replies: 30
Views: 4278

Re: Private Pension Cuts

Assuming KO is going to cut their pension, this is exactly why I will take the lump sum option at 55 (rollover to IRA) and manage the money myself. I work for a very large beverage and food manufacturer, and I simply don't trust them to pay me the amount I have coming to me for the next 30-40 years...