Search found 2767 matches

by Ged
Tue May 31, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 24
Views: 1312

Re: How persnickety are you with your rebalance bands?

Over frequent-rebalancing will drive up trading costs and taxes. With no-commission funds in Roth IRAs I would guess there are no trading costs and taxes. It seems that nowadays folks should be able to rebalance as often as they pleased while avoiding all trading costs, fees, and taxes if they used...
by Ged
Tue May 31, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: weeds, trees and managing large lawns
Replies: 13
Views: 1140

Re: weeds, trees and managing large lawns

Contact your state extension service, possibly out of the land grant university in your state. They have a lot of good information, and are probably on the internet as well. THIS. The may also have a web site with a recommended lawn care program for the area I live in. The really brilliant thing wi...
by Ged
Tue May 31, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: backyard for a new house, pavers questions
Replies: 35
Views: 1486

Re: backyard for a new house, pavers questions

If you want to be weed free the correct answer is concrete, not pavers. If installed properly concrete will not crack. I have an area of concrete that is over 30 years old with no cracking. Furthermore stained concrete can have a nice appearance. However I do like the appearance of pavers better. I ...
by Ged
Mon May 30, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: How persnickety are you with your rebalance bands?
Replies: 24
Views: 1312

Re: How persnickety are you with your rebalance bands?

I have my rebalance bands set at 5% for my overall asset allocation of equities to fixed income. Right now my portfolio is a bit stock heavy, about 2% over my desired AA. It would be very easy for me to make a few exchanges in my tax sheltered accounts, but often feel that because I haven't reached...
by Ged
Mon May 30, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 54
Views: 2427

Re: Separate data partition on dual-boot system?

For those of you who dual-boot, do you have a separate data partition and why? I wouldn't do a completely shared data partition because the directory tree structure and OS permissions under Linux and Windows are very different. A small VFAT partition where some work could be stored is fine though.
by Ged
Fri May 27, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on chemist going back for chemE?
Replies: 20
Views: 1125

Re: Advice on chemist going back for chemE?

My concern with your idea is that the differences between Chemical Engineering and Chemistry aren't going to be covered by an intro class or two. I have gone through the ChE program and the overlap between Chemistry and Chemical Engineering majors is about 50%, maybe less. Typical Chemical Engineeri...
by Ged
Fri May 27, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Consider Taxes When Evaluating Asset Allocation?
Replies: 14
Views: 574

Re: Do You Consider Taxes When Evaluating Asset Allocation?

Okay, with a closer look, that's a very interesting discussion (in the link) and one I'll follow, but what I think I'm really asking is, if I wanted a simple 80/20 stock/bond split, and some of that goes in a 401(k) and the rest in taxable, do I need to discount the 401(k) value by my anticipated f...
by Ged
Fri May 27, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 24
Views: 973

Re: Best Saw Blade to Purchase for this DIY

You want a miter saw blade. That means about 80 TPI to 100 TPI. Good brands are Tenryu, Forrest and Freud. Also have you considered the depth of the cut you are going to need? Cutting at a compound angle will dramatically increase the depth you need. I would not be surprised that the angles you are ...
by Ged
Thu May 26, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: As bad as I think it is? [403(b) plan choices]
Replies: 36
Views: 2883

Re: As bad as I think it is?

Does it comply with new requirements by the DOL re: fiduciary standard? https://www.shrm.org/hrdisciplines/benefits/articles/pages/fiduciary-rule-plan-sponsors.aspx Or does this only apply to ERISA plans? Or only 401ks and IRAs? Aren't some 403bs ERISAs, and some not? The DOL Fiduciary rule has bee...
by Ged
Thu May 26, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 57
Views: 3736

Re: Advice on Mom's Fence / Neighbor

General rule of thumb? Never heard of it. My fence posts are on the outside of my privacy fence because that side of the fence is the ugliest. Why would I want to look at the ugly side of a fence? But seriously, I've never heard of such a rule. In my town, the pretty or finished side of a fence has...
by Ged
Wed May 25, 2016 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: As bad as I think it is? [403(b) plan choices]
Replies: 36
Views: 2883

Re: As bad as I think it is?

How about in-service roll-overs? Perhaps that is either a current option of something you could get added. That might get you out of the high fee penalty box...

Otherwise if you are looking at more than 5 years with this company I would not use their 403(b) plan.
by Ged
Wed May 25, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Monsanto-BayerAG
Replies: 19
Views: 1529

Re: Monsanto-BayerAG

However, bio-engineered food crops are outlawed or at least frowned upon in Europe. If these product were to be produced by a German firm that might change and the growth potential could be very large. If the buyout was a stock swap I would grab it. If it's a cash offer the tax consequences might b...
by Ged
Wed May 25, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 51
Views: 4979

Re: Berkshire Hathaway always beats SP500

All these people working in mutual fund business, managers making millions, all those buildings and expenses to run these mutual funds and 97% of all this crap returning less than SP500?????? Why does this sound illegal or something is not right? Who are these people investing in these funds knowin...
by Ged
Wed May 25, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 6608

Re: This Bull Seems to be Getting Pretty Long In the Tooth

http://4.bp.blogspot.com/-sjCJHIplNsY/UWGPXBfPtWI/AAAAAAAABkM/lMvHqDlkKfk/s1600/Table_US_Bull_Markets_Since_1871.png It seems to me that you can't use length of bull market as a predictive measure. Also four out of the last five bull markets were significantly longer than the current bull. We could...
by Ged
Tue May 24, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 5279

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

I believe that the "Social Security Benefits Calculator" software can answer your question, but I have yet to use it myself so I look forward to replies from others who have used it. You can get it from the SSA at: https://www.ssa.gov/oact/anypia/anypia.html anypia is not exactly user fri...
by Ged
Fri May 20, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 61
Views: 5747

Re: safe alternative to stock market

Generally stocks are the safest over the long run. Investments with less volatility generally do not return enough to offset inflation.
by Ged
Thu May 19, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: New tires for a 10 year old Camry
Replies: 16
Views: 1237

Re: New tires for a 10 year old Camry

I would go Michelin. I've used a variety of brands over the years and they pretty much all work. But Michelin seem to ride and hold the road better.
by Ged
Wed May 18, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Higher condo fees on higher floor units?
Replies: 25
Views: 1805

Re: Higher condo fees on higher floor units?

Longdog wrote:Window washing on higher floors?


Higher electricity costs for the elevators.
by Ged
Wed May 18, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10236

Re: Is buying organic really that expensive?

World Health Organization declared glyphosate (Round up) a probable carcinogen, that's enough for me. IARC, the division of WHO that did this evaluation has a very strict classification method. Things like alcoholic beverages and acrylamide, a byproduct of frying potatoes are also listed as human c...
by Ged
Mon May 16, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 107
Views: 9566

Re: When to start Social Security. A different take

Perhaps I don't understand enough about how SS works, but one huge benefit of starting early, at least from my point of view, that doesn't get brought up enough: what happens if you die before the average US life expectancy? If you die, you'll be dead and it won't matter. I am married and am at age...
by Ged
Mon May 16, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3545

Re: Email Hacked

Most residential users probably use web-based email, not email clients. How do spammers or phishers break into this? There's no email list resident on the home PC for malware to harvest. Scrape browser screens? Sniff packets? Somehow determine passwords elsewhere and from somewhere else, use an aut...
by Ged
Mon May 16, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3545

Re: Email Hacked

Tell your friend to stop using comcast email and get a gmail account with 2 factor authentication (sends a text to your phone to login). Email has too much sensitive info in it these days to do anything less secure. Not only will you get better security, if you change providers your email will not ...
by Ged
Sat May 14, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: helping a couple near retirement catch up
Replies: 18
Views: 1854

Re: helping a couple near retirement catch up

It seems to me that a good budget and her working until 70 and maxing her IRA every year are the corner stones to a successful effort here. It's possible that downsizing cars and housing will be helpful. I would definitely not go over 60/40. Most people think we are in for a period of relatively low...
by Ged
Tue May 10, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10236

Re: Is buying organic really that expensive?

Yes, crops have been modified for hundreds of years. Yes there is occasionally horizontal gene transfer. But the real difference is that with a GMO, somebody owns the genetic code of the organism and for any given GMO every single organism is identical and belongs to the owner of that genetic code....
by Ged
Mon May 09, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Is buying organic really that expensive?
Replies: 111
Views: 10236

Re: Is buying organic really that expensive?

I think neil degrass tyson covered this perfectly. Like you said...almost everything we eat has been genetically modified. Those huge juicy sweet apples with very little seeds are not natural. They did not exist 200 years ago...we created them. Same with corn, veggies, fruits, etc etc. I dont under...
by Ged
Mon May 09, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Moving my car from CT to MD
Replies: 18
Views: 1309

Re: Moving my car from CT to MD

One option is to have the moving company do it. When I was relocated some years ago the movers loaded one of my cars into the van with the rest of my belongings.

I have no idea how costly it was; I never saw the bill because my employer paid everything.
by Ged
Sun May 08, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6842

Re: Thinking about Mac (vs Windows)

Thanksgiving and Christmas is the time to buy deeply discounted computers and I'll snag either a Mac or a Windows 7 machine then -- though even Win7 business machines may no longer be on the market by then. How much longer will Microsoft continue to support Win7 ? I think I read 2020, but it doesn'...
by Ged
Sun May 08, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6842

Re: Thinking about Mac (vs Windows)

I used Macs when they were introduced in 1984 up until about 2005. I got tired of how closed and proprietary they were, and the lack of software and hardware options so I stopped buying Macs. I think anyone that is sophisticated enough to understand and use a hosts file will eventually reach the sa...
by Ged
Sun May 08, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: Email Hacked
Replies: 38
Views: 3545

Re: Email Hacked

Just assuming the Email was hacked, how would Comcast know that anyway? Several ways. For example I was once informed of an attempt to login to an account from an IP in Bangkok. Comcast recently found a list of usernames and passwords for sale online: http://www.csoonline.com/article/3002604/cyber-...
by Ged
Thu Apr 28, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8171

Re: Selling in May and Walking Away?

Ignore the noise.
by Ged
Mon Apr 25, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: is now a good time to buy - opinions
Replies: 12
Views: 1334

Re: is now a good time to buy - opinions

Nobody can predict the short term future in the stock market. If you are worried about short term fluctuations the traditional way to alleviate this is to buy in increments over some period of time, but really the best result is just to buy because the long term trend for the past 200 years or so ha...
by Ged
Sun Apr 24, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sign This Non-Solicitation Agreement Can This Backfire on Me
Replies: 24
Views: 2189

Re: Should I Sign This Non-Solicitation Agreement Can This Backfire on Me

The second clause seems pretty standard to me. In fact without it you may be bound be similar terms under law anyway. You are an employee, and they pay you for your work. In return they expect to own the rights to that work. Some companies insist on more than that, that is stuff you generate outside...
by Ged
Sun Apr 24, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6842

Re: Thinking about Mac (vs Windows)

Far better to outsource the blocking than have to maintain a blacklist yourself. I could use an external adblocker, but the Hosts file is browser independent. I had always thought it was a Windows feature, but I recently read that rooted Androids can use a Hosts file. That had me wondering if a Hos...
by Ged
Sat Apr 23, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Company without 401k match. Should I even join them? High Salary
Replies: 19
Views: 2112

Re: Company without 401k match. Should I even join them? High Salary

Another factor is the form of the match. My first employer matched up to 6% of salary. Sounds great, right? It wasn't. It was in the form of company stock which was like a dead fish. Over the 15 years I worked for that employer it was flat. And this was in a time when the overall market was doing ve...
by Ged
Mon Apr 18, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8926

Re: Better than amazon??

Just bought Radian R120 car seats from Albee baby website for $216. That was with a ten percent discount and free shipping. Amazon wanted $255. I went to Albee. It's now advertised for $255 there. They were listed at $241 with a 10% discount once in cart. I ordered last week. I need the Chicco key ...
by Ged
Mon Apr 18, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8926

Re: Better than amazon??

pennstater2005 wrote:Just bought Radian R120 car seats from Albee baby website for $216. That was with a ten percent discount and free shipping. Amazon wanted $255.


I went to Albee. It's now advertised for $255 there.
by Ged
Sun Apr 17, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Whole house electric surge protector
Replies: 11
Views: 1262

Re: Whole house electric surge protector

I had a fairly elaborate one installed because of the high density of electronics in my home and a past experience with a lightning strike wiping some of my home electronics. It is a Square D Surge Breaker Plus and is an external device attacked to my breaker box. Roughly 12"x6"X4" in...
by Ged
Sun Apr 17, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3823

Re: Meeting with a Fidelity Financial planner, is it useful?

I've had a couple of meetings with a Fidelity Rep. Some of the stuff he did was potentially useful if I hadn't already learned what I needed to know from Bogleheads. Some of the stuff though was potentially a transfer of wealth from me to Fidelity - that is a push to buy managed funds that are funds...
by Ged
Sun Apr 17, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4825

Re: How Did You File Your Income Taxes for 2015?

TurboTax. Been using them for years and years. Efiled both state and federal.

The only issue I ran into was that I had to manually mark a couple of the 1099's as belonging to my spouse after they were downloaded from Fidelity. Deposited the refunds via ACI.

Already have my refunds.
by Ged
Sun Apr 17, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Advice on Mobile Devices in Europe
Replies: 5
Views: 539

Re: Advice on Mobile Devices in Europe

I did a Viking cruise last year from Amsterdam to Budapest carrying a Nexus 4 on T-Moble. T-Mobile's international service worked great. It was available in each country pretty much automatically - no hunting down special SIMs or anything. There was some time between cities on the rivers when we did...
by Ged
Fri Apr 15, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: OK to spend Roth funds early in retirement?
Replies: 13
Views: 2220

Re: OK to spend Roth funds early in retirement?

You really want to have a goal of filling up the 15% tax bracket with income from various sources while in retirement. You won't be able to go back in time to take advantage of this space. So take from taxable (IRAs etc) if this space hasn't been used up until the top of the 15% bracket. After that ...
by Ged
Wed Apr 13, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4278

Re: Preventative car maintenance?

Trying to decide if/when to do timing belt and water pump replacement on '98 Camry 6 cyl with 73,000 miles. Bought if privately (from longtome friends) last year. They bought it as demonstrator in 1998 and put few miles on it and took good care of it. Are there any "warning signs" of eith...
by Ged
Wed Apr 13, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Preventative car maintenance?
Replies: 38
Views: 4278

Re: Preventative car maintenance?

The shop I had my radiator replaced at last year was about 30 miles away from where I am having this maintenance work done on now. Should radiators be failing after less than a year?? Do I have any claim to get some of my money back from the first shop? Most auto shops warrant their work for a year...
by Ged
Mon Apr 11, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1529

Re: Hail damage avoidance/minimization (vehicles)

I have been living in NJ for about 20 years. Never personally saw damaging hail here however a coworker had a car damaged pretty severely by a very localized storm. Other places I lived in falling icicles from roof eaves were a bigger hazard. Here's an interesting map showing the rates of hail occur...
by Ged
Mon Apr 11, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3834

Re: Experience with Fidelity?

My experiences with Fidelity have been very good. I've had a number of employers over a 40 year span who used Fidelity for 401Ks without issue. When changing jobs I've just rolled over my Fidelity accounts to IRAs. When my father passed he had his accounts at Fidelity and I found their estate servic...
by Ged
Mon Apr 11, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1690

Re: Document Retention

AAA wrote:
Ged wrote:NJ compensates for that by adjusting the amount of income you are taxed on when you withdraw. It is a record keeping nightmare.


Do you happen to know if the same applies to PA income taxes?


Sorry I have no idea what PA does.
by Ged
Mon Apr 11, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Tilt or no tilt (mid 40s, $4-5M)
Replies: 56
Views: 4934

Re: Tilt or no tilt (mid 40s, $4-5M)

I think it depends on whether or not you consider investing fun or not. When I was younger I was more interested in the process and had a tilted portfolio. As I got into retirement (now I'm 2.5 years in) investing is more about tax optimization to me. The actual asset allocation thing I find BOOORRR...
by Ged
Sat Apr 09, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend tax withheld by foreign countries even in IRA?
Replies: 7
Views: 660

Re: Dividend tax withheld by foreign countries even in IRA?

You understand it correctly. There is no tax credit or refund for foreign tax withheld in an IRA. It's pants because you have to pay taxes when you withdraw from the IRA. Put the foreign taxed dividend equities in ROTH or taxable if it matters to you. Tax is withheld, and you get no tax credit in a...
by Ged
Sat Apr 09, 2016 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1690

Re: Document Retention

New Jersey taxes contributions to IRAs and 401Ks. This year was the first year I had IRA withdrawals. In order to calculate my state taxes on my IRA withdrawals I had to go back the 24 years I've lived in NJ to get my IRA and 401K contributions. Fortunately I had this in my files. If you live in a ...
by Ged
Sat Apr 09, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: best hospital and clinic for eye vision problems
Replies: 10
Views: 850

Re: best hospital and clinic for eye vision problems

Is it a Nd:YAG laser posterior capsulotomy they are recommending? If so it is a pretty common procedure. They sit you down in front of a machine. 5 minutes. I had it done to one of my eyes. It came out fine. Of course you want to have someone who is an expert advise you but you should find people qu...

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