Search found 3127 matches

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: 22
Views: 615

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: 33
Views: 2279

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: 1265

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: 44
Views: 3024

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: 2284

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: 19541

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: 19541

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: 19541

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: 19541

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. :D The laptop is impossibly thin & light. This is the tradeoff, it's not upgradable. The good news is, without...
by Ged
Tue May 30, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 19541

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: 5336

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: 3968

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...
by Ged
Sat May 27, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6687

Re: Avoiding Taxes with RMD

Right. My high tax state of NJ just changed their law to keep seniors. They already did not tax SS. Now seniors will pay no tax on any retirement income as follows - from Forbes article: "Under current New Jersey law, a couple filing jointly with total income of $100,000 or less can exclude up...
by Ged
Sat May 27, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10754

Re: Updates on the status of Linux

As we shift away from desktop and laptops, the OS is becoming less relevant. Still, I haven't seen Linux many tablets. Apps is going to be a problem, but hopefully chromeos/android will help standardize the requirements. You can continue to do the tasks that you did before, and Linux vs ChromeBook ...
by Ged
Sat May 27, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6687

Re: Avoiding Taxes with RMD

I would appreciate assistance on the timing of withdrawing the RMD and paying taxes. From what I understand, if you take out the RMD in December and have the taxes withheld, then one does not have to pay estimated tax ON THE RMD . I have two pensions, full SS and have to take a RMD. This is my firs...
by Ged
Sat May 27, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding Taxes with RMD
Replies: 59
Views: 6687

Re: Avoiding Taxes with RMD

Prior to reaching 70 is the ideal time to consider moving to a low income tax or no income tax state if you live in a high tax state. Right. My high tax state of NJ just changed their law to keep seniors. They already did not tax SS. Now seniors will pay no tax on any retirement income as follows -...
by Ged
Sat May 27, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Why are capital gains taxed lower than div/interest?
Replies: 20
Views: 1455

Re: Why are capital gains taxed lower than div/interest?

Money made from equity is taxed at lower rate than bonds and bank interest. Has this always been so? And, why is it so? Is there a philosophical, economic, and/or political basis? The idea is to encourage investment relative to just having money sit in a bank account or a bond. Attempts to correlat...
by Ged
Sat May 27, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Private Pension Cuts
Replies: 30
Views: 3968

Re: Private Pension Cuts

To me it sounds like this is related to the problems unions are having with their multi-employer pension plans. Coca-Cola distributors used Teamsters drivers and the Teamsters are one of the groups hit hardest. The Pension Benefit Guaranty Corp provides some insurance for these plans however it is l...
by Ged
Fri May 26, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 10754

Re: Updates on the status of Linux

Said differently, the personal computer has passed its heyday; Linux is an OS for personal computers. The highlighted part of this statement is wildly inaccurate IMHO (no offense intended to the OP). Bottom line Linux is thriving, and in some segments dominant, on the server side and in the cloud. ...
by Ged
Wed May 24, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4744

Re: Risks of electronic access

FYI, my read of Krebs' article per below is: 1. Don't use Windows for banking 2. Here's the easiest way to use your system with Windows installed on it for banking - burn a Linux LiveCD My read is that he would, for example, be ok with someone installing Linux on their computer and using that for b...
by Ged
Wed May 24, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4744

Re: Risks of electronic access

I wouldn't want to argue security with somebody like Brian Krebs... But it still sounds impractical to me. Microsoft has security updates on "patch Tuesday" every month (sometimes twice a month I believe). I think Linux updates are just as frequent. Maybe you could argue that you don't ne...
by Ged
Tue May 23, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4744

Re: Risks of electronic access

A good alternative to a dedicated computer is using a boot DVD loaded with an operating system. This guarantees returning to a known starting point after each session, something not necessarily true for a dedicated computer. I have to disagree on this one. It sounds good until you think about all t...
by Ged
Tue May 23, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3158

Re: Fidelity and their "free advisor" service?

I have all of my investments at Fidelity. I like their customer service, credit cards, donor advised charity fund, brick and mortar locations, web site features and have a good feeling about their IT security practices, TurboTax integration and think their index funds are good. I currently hold Vang...
by Ged
Mon May 22, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 21
Views: 1925

Re: Keeping credit score up

Same boat. You will need to lengthen your credit card account history for open accounts. If you cycle through cards all the time and average length of history is less than 3 years it will be tough to get above 800, and this assumes you pay them off every month. I'm in the 820's with no installment ...
by Ged
Mon May 22, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4744

Re: Risks of electronic access

A good alternative to a dedicated computer is using a boot DVD loaded with an operating system. This guarantees returning to a known starting point after each session, something not necessarily true for a dedicated computer.
by Ged
Sun May 21, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on bitcoins
Replies: 6
Views: 861

Re: Taxes on bitcoins

by Ged
Sat May 20, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3123

Re: REITs: Count as Stocks or Bonds?

My normal target investment allocation for REITs is the allocation the I get from VTI. In other words no REIT funds. One interesting thought about REITs is that because of their increased volatility over stocks they might be a good place to put money into when rebalancing after a large market event ...
by Ged
Fri May 19, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1698

Re: Upcoming travel plans with electronics

I've would be careful about exclusions for checked baggage. The policies I've seen usually have limits on the order of $500 and of course make you jump through hoops to get it. They wouldn't suit me because the value of what I'd like to carry is more than $5000. I just have a specific rider on my h...
by Ged
Fri May 19, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Air circulation issues
Replies: 11
Views: 778

Re: Air circulation issues

I have a similar issue in my home. My upstairs has a large central return in the hallway and no returns in the bedrooms. Replacement windows and insulating blinds made a difference, but not enough. Experimentation with leaving the doors slightly open plus having the HVAC fan run continuously in summ...
by Ged
Thu May 18, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 5016

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

Unfortunately, the water is not metered in my area (despite living in the desert). He can use as much as he wants without paying more than the flat rate. I think this is partially what is allowing him to not care. It seems to me that flat rate meter is not exactly sound policy for a raft of reasons...
by Ged
Thu May 18, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1698

Re: Upcoming travel plans with electronics

Not really related to your question, but I just learned that we could by insurance for $24/year to cover our $750 camera, even for dropping and damaging it, and we can cancel after the camera returns from an overseas trip. As for the computer, we have a rider that is very cheap but with a deductibl...
by Ged
Wed May 17, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1410

Re: Home cordless phone recommendation, which takes AA or AAA batteries

I've had cordless phones for probably about 20 years now. The original Uniden phones had a variety of issues including proprietary batteries that were poor performing, proprietary and hard find replacements for. About 3 years ago I started reading about Panasonic cordless phones here and decided it ...
by Ged
Wed May 17, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Upcoming travel plans with electronics
Replies: 22
Views: 1698

Upcoming travel plans with electronics

I have a long planned Baltic cruise coming up in a couple of weeks. I generally travel with a lot of electronics - Kindle, semi-pro camera, laptop etc. However the recent news about potential cabin bans of larger-than-cellphone electronics has me concerned. I don't want to have to put this stuff thr...
by Ged
Wed May 17, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3173

Re: What are the powers of HR in a company?

In my experience (megacorp), HR usually defers to the operating departments on hiring (unless some policy is in question). Yes, this. Generally HR is their to administer company policy and supply personnel services to operating departments. If there is no policy issue, say such as the salary is out...
by Ged
Tue May 16, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6603

Re: What Will Burst the Next Bubble?

The next crash will be caused by something very few people talk about. It almost always a surprise. I feel secure that whatever happens my portfolio is ready, and so are my fellow Vanguard investors, who are most likely stay put, "no matter what." I don't think it's always a surprise. I w...
by Ged
Sun May 14, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2751

Re: How many firms do you use?

Everything at Fidelity including my Vanguard mutual funds. The only exception is a checking account at a local bank. It makes everything really easy to manage. I've been using Fidelity since my first employer opened a tax deferred savings account there for me in 1976. Haven't discovered a reason to ...
by Ged
Sat May 13, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4307

Re: Best cities for older tech workers?

Chicago doesn't come to mind in my future plans. Murder capital of the USA? check Terrible weather? check I'll be an older tech worker myself pretty soon and Texas is at the top of my list. I think that the reality is that most of these jobs are not going to be in the inner city. The more apropos s...
by Ged
Sat May 13, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9314

Re: Best take it everywhere camera

Well, are the photons recorded by the camera waves or are they particles? Perhaps both and yet neither? Or are they simply what they are, and we create a reality for ourselves by fitting them into our model? Photons are neither waves nor particles. They are something else which the metaphors 'wave'...
by Ged
Sat May 13, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 4785

Re: Cars: Expense or Asset?

It is an asset, like many such it has costs to maintain and operate. Since I never sell my cars - I drive them until they have negligible value I don't treat them as assets in my view of my net worth. If I was a collector and bought and sold cars as a business I certainly would be concerned about th...
by Ged
Thu May 11, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Charter bought the local cable company...How to get them to stop calling me?
Replies: 8
Views: 856

Re: Charter bought the local cable company...How to get them to stop calling me?

Current "do not call" laws exempt companies who have an existing business relationship with you.

I would write a letter to whoever the CEO of Charter is.
by Ged
Tue May 09, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Newly married: MFS, multiple IRAs, student loans, and taxes (HELP!)
Replies: 28
Views: 1411

Re: Newly married: MFS, multiple IRAs, student loans, and taxes (HELP!)

I think that assuming that you will always be presented with only high ER funds and that you will never change employers is excessively negative. Most people do change employers multiple times during their careers. Even if you don't do so under your own initiative buyouts and mergers can result in ...
by Ged
Mon May 08, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Newly married: MFS, multiple IRAs, student loans, and taxes (HELP!)
Replies: 28
Views: 1411

Re: Newly married: MFS, multiple IRAs, student loans, and taxes (HELP!)

I think that assuming that you will always be presented with only high ER funds and that you will never change employers is excessively negative. Most people do change employers multiple times during their careers. Even if you don't do so under your own initiative buyouts and mergers can result in p...
by Ged
Mon May 08, 2017 10:07 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early
Replies: 68
Views: 3292

Re: HAPPY BIRTHDAY MR. BOGLE: Let's Get The Party Started One Day Early

I saw Mr Bogle on CNBC this morning. Warren is right, you are a hero to us.
by Ged
Mon May 08, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4014

Re: Will and Estranged Child advice

The relationship I have with my children is based on unconditional love. I would have it 50/50 unless there was a large disparity in the financial situation of the two children. I like the idea of a trust and making sure that there are provisions in the will that address the possibility that the est...
by Ged
Sun May 07, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Individual health insurance
Replies: 59
Views: 3412

Re: Individual health insurance

Sometimes an independent health insurance broker or agent can be helpful. They should be aware of plans from multiple companies.

It is likely they will also work with one of the state marketplaces.
by Ged
Sun May 07, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Really need some advice for a 401k rollover after forced retirement
Replies: 21
Views: 1404

Re: Really need some advice for a 401k rollover after forced retirement

Some people do find it difficult to find a by the hour or by the project advisor. There are a couple of organizations that have lists you might look at. At the bottom of this link, https://www.bogleheads.org/wiki/Financial_planner see Financial Advisor Sources . One is the Garrett Network the other...
by Ged
Sun May 07, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 2387

Re: What if the market drops right after I invest? Now the market is at all-time high..

2) What if the market drops after I invest: What is the probability that the market drops after I invest, at 1month, 6 month and 1 year timeframe? Thanks Here's the thing. You will hopefully be investing gradually over the course of your working life, not just once. What is important is the long te...
by Ged
Fri May 05, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1215

Re: Curb Impact Car Doesn't Go

aude wrote:Doesn't crank? Doesn't start? Doesn't move?
We need to know to diagnose.


The engine starts and runs ok.
by Ged
Fri May 05, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Curb Impact Car Doesn't Go
Replies: 13
Views: 1215

Curb Impact Car Doesn't Go

So my son called me up today with the news that he had an accident where his car skidded sideways going around a curve in the recent heavy rains here. It basically jumped the curb and came to a stop with no other impact. It's a 2006 Corolla that ran well until this. He says now when you put it in ge...

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