Search found 2738 matches

by Ged
Thu Apr 28, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 83
Views: 6733

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: 1232

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: 2068

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: 45
Views: 2340

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: 1936

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: 8533

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: 8533

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: 1161

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: 3637

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: 4093

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: 495

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: 2178

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: 4044

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: 4044

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: 1382

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: 3590

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: 1663

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: 4782

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: 632

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: 1663

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: 810

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...
by Ged
Sat Apr 09, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: efile PIN - trojan horse? H&R Block software
Replies: 4
Views: 444

Re: efile PIN - trojan horse? H&R Block software

mj13f150 wrote:Thanks. Yea, I didn't have this issue last year, dunno.


Most web software started issuing warnings for this about Jan 1 2016, which is why you are seeing it this year.

https://www.symantec.com/page.jsp?id=sha2-transition
by Ged
Sat Apr 09, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: efile PIN - trojan horse? H&R Block software
Replies: 4
Views: 444

Re: efile PIN - trojan horse? H&R Block software

No it's not just you. The IRS is using an deprecated (SHA-1 based) certificate for the page associated with that link. It's possible to create phony SHA-1 certs these days. They really should update it given the sensitivity of the information involved here. Here's a blog entry from 2014 about this: ...
by Ged
Fri Apr 08, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1663

Re: Document Retention

o A pile of ancient IRA statements of mine going back many years with previous custodians. As all withdrawals are taxed at ordinary income rates, there is no need to keep track of cost basis, right? (All contributions were deductible). If you have no nondeductible contributions, I would say toss. N...
by Ged
Wed Apr 06, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: Index fund investing becoming too popular?
Replies: 7
Views: 963

Re: Index fund investing becoming too popular?

To me it seems that the only potential problem would be if there wasn't enough trading of individual issues to establish a good liquid market. Index funds need to be able to buy and sell individual issues, and there needs to be a market to support that. Likewise a thinly traded market in an issue ma...
by Ged
Sat Mar 26, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Cable 50Mb/sec vs. 100Mb/sec ?
Replies: 18
Views: 1482

Re: Cable 50Mb/sec vs. 100Mb/sec ?

There are not many servers that would provide you with greater than 50 Mbps on a single file. Unless you are downloading multiple very large files simultaneously it seems to me that paying for a faster service would be unlikely to give you a benefit. Lag is unlikely to be much of an issue unless you...
by Ged
Tue Mar 22, 2016 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard won't complete a transfer What do i do?
Replies: 27
Views: 4218

Re: Vanguard won't complete a transfer What do i do?

I think both Fidelity and Vanguard need a special group to work with estate executors. In my case, the people answering the regular calls were giving incorrect information that did not pertain to the specifics of the estate I was trying to settle. Spent several months filling out incorrect forms, a...
by Ged
Mon Mar 21, 2016 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend tax withheld by foreign countries even in IRA?
Replies: 7
Views: 632

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.
by Ged
Thu Mar 17, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Best Value TV purchase
Replies: 38
Views: 3070

Re: Best Value TV purchase

I would say that the most important thing is the size of the TV. To get the best viewing angles you should consider the distance you sit from the TV when you purchase the TV. If you are 8' from the TV you probably want a 55" model. This page has a nice calculator. http://www.rtings.com/tv/learn...
by Ged
Sun Mar 13, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Mattress Topper & Pillow Recommendations
Replies: 16
Views: 1374

Re: Mattress Topper & Pillow Recommendations

fishboat wrote:LATEX



:beer

I have a latex mattress from Costco and a latex topper from Foam By Mail aka Foam Factory. I'm very happy with the build your own mattress in layers for your own personal taste.

They are about 5 years old now and show no signs of wear.
by Ged
Sun Mar 13, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Less is more [Vanguard blog - 2% economic growth prediction]
Replies: 41
Views: 4850

Re: Less is more

As a general rule I dislike predictions of long term results based on extrapolating short term data. Furthermore the real driver of economic growth is technological progress. I see no indication that is slowing.
by Ged
Sun Mar 06, 2016 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: do I take the index leap
Replies: 39
Views: 3435

Re: do I take the index leap

notfadeaway wrote:Are they worth almost $5,000 per year at 1.2%?


NO
by Ged
Sun Mar 06, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Timing?
Replies: 35
Views: 3929

Re: Early Retirement Timing?

Congratulations. Enjoy your retirement!
by Ged
Sat Mar 05, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4311

Re: Mac laptop vs. Windows 7 (or 10) laptop

I was once a Mac zealot. However over time I became tired of the limitations of the Mac ecosystem - lack of 3rd party software and inability to customize the hardware to my needs.

Now I can't tolerate owning a Mac and haven't bought one for quite a while.
by Ged
Thu Mar 03, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 6947

Re: Just lost 4.08% on Forever stamps.

Dogs and cats living together!!
by Ged
Tue Mar 01, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Pessimist trying to get into Stock Investing
Replies: 35
Views: 2869

Re: Pessimist trying to get into Stock Investing

In addition the older generations which out number us That's not correct. You said you were about 35, which means you were born around 1981. This puts you in the so-called Millennium generation which recently has come to surpass the number of people in the Boomer generation which is in decline. htt...
by Ged
Tue Mar 01, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1874

Re: Credit card compromised three times in three months

fsrph wrote:swipe my card at many places


There you go. Use cash more often. Promiscuous swiping will lead to social diseases.

The fewer people that handle your private stuff the fewer problems you will have.
by Ged
Tue Mar 01, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3081

Re: Meineke ok for oil changes?

My car specifies oil change intervals of at least 7500 mi. Since I only drive about 4K per year as a retired person I take the car into the dealer once per year. They run a bunch of diagnostics etc as part of the oil change that are no doubt an effort to drum up more business but are also a service ...
by Ged
Sat Feb 27, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Effective Charity
Replies: 25
Views: 4674

Re:

If this is a topic of interest to you (or maybe even if it isn't :) ), please check out http://www.givewell.net. Full disclosure - I am an (unpaid) advisor/mentor to them. I have been a fan of the concepts behind givewell for several years. Efficiency is nice, evidence based approaches that improve...
by Ged
Sat Feb 27, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 6041

Re: Citibank wants tax returns for a credit card???

I would not supply a company with my tax returns. Once they have it, it's quite possible they would sell that information to their 'business partners'.
by Ged
Fri Feb 26, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2112

Re: Mice and termite issues



I used this company for an infestation of carpenter bees with good results.
by Ged
Tue Feb 23, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 5956

Re: What kind of car do you drive?

Phineas J. Whoopee wrote:R160 for more than half my miles, but a chauffeur drives it.
PJW


You probably don't own it either.
by Ged
Tue Feb 23, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 5956

Re: What kind of car do you drive?

My first two cars were Fords. Then in 1980 I bought a Toyota and found the difference to be pretty extreme. Japanese makes from then on. Right now I've driving a 2012 Acura TL.
by Ged
Tue Feb 23, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Can EMT's and emergency rooms really read USB pendants?
Replies: 58
Views: 4260

Re: Can EMT's and emergency rooms really read USB pendants?

Just curious... I carry a little card in my wallet with my basic emergency information, but lately some acquaintances have been showing off spiffy USB sticks in various forms (hung around necks on a chain) that have their medical records on them... ...in the real life, as of 2016, throughout the Un...
by Ged
Sat Feb 20, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 9778

Re: Amazon Free Shipping Is Now $50....

Most dry dog food has a shelf life of one year.

Maybe order another bag?
by Ged
Sat Feb 20, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 9778

Re: Amazon Free Shipping Is Now $50....

Do you have an item number for this? Amazon is much like Ebay these days and offers the ability to be used as a store front for many different vendors, all of which can and do have different shipping policies.

Unfortunately this can cause customer confusion.
by Ged
Thu Feb 18, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k - wait for dividends to be paid?
Replies: 3
Views: 249

Re: Rolling over 401k - wait for dividends to be paid?

Dividends don't make a difference.

Generally you want to get out of an employer 401K ASAP to avoid possible fees.
by Ged
Mon Feb 15, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: should I give up on HP laptop - what next?
Replies: 40
Views: 2665

Re: should I give up on HP laptop - what next?

I've used a lot of different laptops over the years. The Lenovo business class machines are reliable. Not cheap but you get what you pay for.
by Ged
Mon Feb 15, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Deflation ahead? Nobel Prize Economics winner's thought
Replies: 84
Views: 8804

Re: Deflation ahead? Nobel Prize Economics winner's thought

One of the greatest predictions of the 2007/2008 recession was Peter Schiff. The man was spot on. Not sure I agree 100% with his financial advice though. Peter Schiff is a perma-bear, always making negative predictions. Like a broken clock he's right once in a while. The sad fact is that at any mom...
by Ged
Fri Feb 12, 2016 1:04 pm
Forum: Investing - Theory, News & General
Topic: Yellen: "We're taking a look at negative interest rates."
Replies: 56
Views: 6726

Re: Yellen: "We're taking a look at negative interest rates."

Might be time to invest in a larger mattress. Or pay off any debt with a positive interest rate . My 1.99% 7-year car loan and 3.25% 30year fixed mortgage look expensive compared to negative interest rate. Personally, I don't care for deposits with a negative interest rate, but I sure wouldn't mind...

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