Search found 2901 matches

by Ged
Mon Dec 05, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Opportunity to harvest both long-term gains and losses
Replies: 2
Views: 162

Re: Opportunity to harvest both long-term gains and losses

It totally depends on your particular circumstances. I don't intend to ever sell my equities so that their gains will escape taxation altogether when they are passed to my children in my estate.
by Ged
Mon Dec 05, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 26
Views: 1206

Re: Best printers for home use

I have two Brother printers I am very happy with, a 4570CDW with is a large duplex color laser printer and a QL-720NW label printer. Both have given me excellent service. Furthermore my brother has a B&W Brother laser he likes.

HP has really lost their edge in this market.
by Ged
Thu Dec 01, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Handling "drive-by" doctoring bills following surgery?
Replies: 106
Views: 9612

Re: Handling "drive-by" doctoring bills following surgery?

Do we even know how long these 2 doctors worked for? How long was the surgery? I don't know of any plumbers without a signed written contract who are able to bill 9,000 for less than a day's non emergency labor. The proposal that plumbers are better compensated than surgeons is farcical and insulti...
by Ged
Sun Nov 27, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 3589

Re: When should I upgrade my wireless router? (RT-N56U)

I have an Asus RT-AC66R and from my experiences with Asus I'd recommend their products. The 66R gives me coverage of my entire 2400 sq ft house without repeaters and throughput equal to about 100mbps which is the specification for my internet connection. Updating the firmware is convenient as well. ...
by Ged
Sun Nov 27, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Composition of US National Debt
Replies: 28
Views: 2777

Re: Composition of US National Debt

Like a real household, it makes no sense to focus solely on debt and ignore assets. You may have a $500k mortgage on a $1 million house, it does not mean you are deeply in trouble. I agree with that. Part of the assets owned by the US government are land and mineral rights. These are not generally ...
by Ged
Sat Nov 26, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Composition of US National Debt
Replies: 28
Views: 2777

Re: Composition of US National Debt

Perhaps this is what you want:

http://www.treasurydirect.gov/govt/repo ... 102016.pdf

Note: Most economists don't consider intergovernmental debt to be meaningful. The total debt the US government owes to third parties is about 14.3 Trillion.
by Ged
Fri Nov 25, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7880

Re: Honda Cars

Remember, we now live in an alternative universe where Audi has better reliability than Honda. http://www.consumerreports.org/cars/which-car-brands-make-the-best-vehicles/ I'm still having a hard time believing that one. What is the time frame? I can believe that Audi can build a car with fewer def...
by Ged
Fri Nov 25, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Internet Radio through Home Stereo?
Replies: 16
Views: 1435

Re: Internet Radio through Home Stereo?

Roku, Amazon Fire, Google Chromecast and similar streamers should be able to output Pandora to your home stereo. Cost will depend on the types of inputs your stereo supports. These devices start at about $30. A $60 device, the RCA DSB876WU-WH Wi-Fi Streaming Media Player also advertises Pandora supp...
by Ged
Fri Nov 25, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5735

Re: Keep it simple at high income level?

Yes, do keep it simple. People with high incomes tend to be very busy, and one of the great gifts of Bogle is the gift of time you get from his simple approach. In that respect I'd suggest getting a good CPA for tax preparation, and a good lawyer to prepare your estate plan. Otherwise there isn't an...
by Ged
Fri Nov 25, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Types of Assets HNWI Boomers Own
Replies: 21
Views: 2375

Re: Types of Assets HNWI Boomers Own

The term HNWI isn't well defined such as the length of a meter is. Many financial institutions use it for individuals who have $1 million or more in liquid financial assets. Others may use it for people with $10 million in total assets. So I think we should go with the OP's definition for this discu...
by Ged
Thu Nov 24, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Citi Amex Costco credit card problems.....
Replies: 23
Views: 2512

Re: Citi Amex Costco credit card problems.....

Other issues. The whole lousy billing system that exists in the US is a big profit center for the banks. They love it that bills get lost in the mail. They do not care if the lost stuff is snail mail or email Agree with this assessment 100%. Because of this I no longer wait for bills or emails to a...
by Ged
Wed Nov 23, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 2629

Re: linux versus Mac for the average PC user

For the average PC user I would not recommend Linux. The software that such a user would likely want to run such as Office, Quicken, various games, and for tax preparation simply isn't there. On the other hand, for a more advanced user who has multiple machines adding Linux to the mix is a great th...
by Ged
Sun Nov 20, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 2629

Re: linux versus Mac for the average PC user

For the average PC user I would not recommend Linux. The software that such a user would likely want to run such as Office, Quicken, various games, and for tax preparation simply isn't there. In a home environment, one can easily use LibreOffice as a substitute, or individual programs like Abiword ...
by Ged
Sun Nov 20, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 76
Views: 3733

Re: Fountain Pens - Do you use one?

I used fountain pens a lot back in my younger days. Now though I rarely use pens of any sort because of computers.
by Ged
Sun Nov 20, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Microwave alternatives?
Replies: 5
Views: 660

Re: Microwave alternatives?

The item you linked to is a fancy toaster oven.

I think what you want is a convection microwave similar to this:

https://www.amazon.com/Samsung-MC11H603 ... B00NN136NQ
by Ged
Sun Nov 20, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 2629

Re: linux versus Mac for the average PC user

For the average PC user I would not recommend Linux. The software that such a user would likely want to run such as Office, Quicken, various games, and for tax preparation simply isn't there. On the other hand, for a more advanced user who has multiple machines adding Linux to the mix is a great thi...
by Ged
Sat Nov 19, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 4704

Re: Corvette to Hybrid

I would get new either base versions of Camry or RAV4 depending on what the wife likes better. Both are great vehicles. Meh on hybrids and expensive unreliable German cars. I like to work on my own vehicles and the high voltage under the hood of hybrids makes me nervous. When the time comes to repla...
by Ged
Fri Nov 18, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7880

Re: Honda Cars

I am a Honda / Toyota guy like many here. Started this around 1980 with the purchase of a Toyota wagon. What a revelation after the previous Ford product I had owned. I've also enjoyed some Honda products. Generally I find Toyotas more reliable however the difference is not great. Recently I've come...
by Ged
Wed Nov 16, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bomb at 70 1/2
Replies: 71
Views: 9109

Re: Tax bomb at 70 1/2

Doesn't longevity play a role here? If I die before depletion of my IRA my heirs should have much lower RMDs, and possibly be in a lower tax bracket as well. Maybe or maybe not. Exactly. It's worth considering what the tax rate on your bequest will be. If you are in a high bracket and your children...
by Ged
Wed Nov 16, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bomb at 70 1/2
Replies: 71
Views: 9109

Re: Tax bomb at 70 1/2

Doesn't longevity play a role here? If I die before depletion of my IRA my heirs should have much lower RMDs, and possibly be in a lower tax bracket as well. It also may reduce the tax load to pass my IRA to my children rather than to my wife.
by Ged
Mon Nov 14, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 12325

Re: Amazon Prime: doing the math...is it worth it?

According to Amazon, we placed 116 Amazon orders in 2013, 91 in 2014, and 89 in 2015. A few of those are single shopping carts split into separate orders by Amazon, but on a per-order basis, it's still been about a dollar per order over the last three years (at $79/year). I place 100+ orders with A...
by Ged
Sun Nov 13, 2016 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 52
Views: 4849

Re: Age 92 Dad Wants to Boost stocks

If it is money he doesn't need, there is a legitimate argument for assuming more risk to (likely) increase the value of the estate. I intend to be 60:40 after age 70 (when Social Security will essentially meet all my needs). I am planning a very similar path for my portfolio. It has nothing to do w...
by Ged
Thu Nov 10, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: CC Autopay
Replies: 19
Views: 1311

Re: CC Autopay

So my question is, why don't companies have us use the CC account number instead of the CC number itself? How would that make a difference? Revealing the account number to various companies now makes that subject to theft, and instead of having to change the CC number you now have to change the acc...
by Ged
Sun Nov 06, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 14227

Re: Retirees: Where are you going for income?

Not looking for income. I think more about the appreciation of my portfolio. If you are retired, don't you need some income to live on? I understand you can sell appreciated securities to generate income, but what do you do in a sustained down market? Do you sell assets from your depreciating portf...
by Ged
Fri Nov 04, 2016 4:44 pm
Forum: Investing - Theory, News & General
Topic: Cash Dividend Vs Stock Dividend Vs Stock Split
Replies: 153
Views: 6662

Re: Cash Dividend Vs Stock Dividend Vs Stock Split

That's what I'm saying, if the earnings are expected to increase, the price of the stock should increase to $10. My question is what happens if the earnings don't increase. What if they stay the same? Then the stock that's trading at $9 wont increase back to $10 and everything else being equal will...
by Ged
Tue Nov 01, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why can't stocks be deterministically/objectively/mechanically priced?
Replies: 75
Views: 3768

Re: Why can't stocks be deterministically/objectively/mechanically priced?

The value of a share of stock is rationally equal to the discounted cash flow of future profits. It is impossible to determinalistically predict that future because the future is chaotic. Even if the future could be predicted deterministically small differences in initial conditions such as rounding...
by Ged
Sun Oct 30, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 3654

Re: which engineering major for renewables

This is something that comes into play at the graduate level or when you are looking for a job. Undergraduate engineering programs focus on general principles that are applicable over many applications.
by Ged
Sun Oct 30, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Replacing run-flat tires on BMW
Replies: 34
Views: 2693

Re: Replacing run-flat tires on BMW

The problem with replacing run flats with regular tires is the run flats have much stiffer sidewalls and the BMW suspension is tuned expecting this.

When I selected my last car the run flats were a major reason I did not choose BMW.
by Ged
Sat Oct 29, 2016 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: AA Too Conservative?
Replies: 12
Views: 1645

Re: AA Too Conservative?

Here's my question: we have a rather conservative AA now at 50/50 bonds/equities. Prior to retirement, we were usually about 80/20 - 75/25. What do you think? I think you are fine. My wife and I are 72/66 and we are 37/63 stocks/bonds. Almost all of our needs are met by SS and pensions. Mostly we a...
by Ged
Sun Oct 23, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Internet going down
Replies: 32
Views: 3059

Re: Internet going down

What I don't get is why the failure of a single DNS provider, even a big one, would essentially bring down a part of the Internet. Obviously all that stuff about the Internet rerouting around damage and being designed to survive a nuclear attack is BS. The problem is that everyone has been outsourc...
by Ged
Wed Oct 12, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 129
Views: 12665

Re: Larry Swedroe's New Book is Available Now!

Ordered my copy.

The first of Larry's books that I read was "The Only Guide to Alternative Investments You'll Ever Need: The Good, the Flawed, the Bad, and the Ugly". It changed my life, literally, and led me to this site.

Thanks Larry.
by Ged
Wed Oct 12, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Solvency - Two Perspectives
Replies: 6
Views: 1327

Re: Social Security Solvency - Two Perspectives

I think it's pretty simple. Either Congress will act to change the Social Security act to preserve the current benefit structure or they won't and benefits will be reduced. There isn't much that you can do to figure out what Congress will do by 2035 since Congress can't figure out what they are goin...
by Ged
Mon Oct 10, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a townhouse/condo for retirement? Good or bad idea?
Replies: 15
Views: 1969

Re: Should I buy a townhouse/condo for retirement? Good or bad idea?

You are a long way from knowing what your needs in retirement will be.
by Ged
Fri Oct 07, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3230

Re: Join AARP

I don't belong to the AARP. I don't particularly like the 501(c)(4) corporate structure and its implications.

I did consider their Medigap program which my doctor said he thought was one of the better
ones. However I decided to go with a different, also highly rated carrier.
by Ged
Thu Oct 06, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5419

Re: Mitsubishi ductless heating/cooling unit

According to the spec sheet of my five year old Mitsu unit it's able to put out 92% of rated capacity @ 5F, 75% @ -4F and 58% @ -13F. You may be right about the sizing and perhaps he's referring to general room temperature and not the actual heat produced by the unit. Proper heat output can be roug...
by Ged
Thu Oct 06, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5417

Re: Johnnie Walker Blue worth the cost?

I would say it's not worth the price. There are many fine choices for $100 available.
by Ged
Wed Oct 05, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5419

Re: Mitsubishi ductless heating/cooling unit

According to the spec sheet of my five year old Mitsu unit it's able to put out 92% of rated capacity @ 5F, 75% @ -4F and 58% @ -13F. You may be right about the sizing and perhaps he's referring to general room temperature and not the actual heat produced by the unit. Proper heat output can be roug...
by Ged
Wed Oct 05, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing IRA withdrawals and conversion to Roth
Replies: 4
Views: 338

Re: Optimizing IRA withdrawals and conversion to Roth

i may be missing something but assuming you file jointly it does not seem to matter for tax purposes which account you withdraw from. For a given year that's correct. However over the sequence of years I want to keep the RMDs at a level that minimizes my taxes and it's not apparent to me that the c...
by Ged
Wed Oct 05, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Use of IPO Investments. Impact on investment decision?
Replies: 3
Views: 303

Re: Fidelity's Use of IPO Investments. Impact on investment decision?

I came across this article about how Fidelity invests in companies prior to their IPO. Then after the IPO, Fidelity's mutual funds invest in these corporations, allegedly to the detriment of the participants in their mutual funds. https://www.yahoo.com/news/special-report-fidelitys-owners-richer-ev...
by Ged
Wed Oct 05, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing IRA withdrawals and conversion to Roth
Replies: 4
Views: 338

Optimizing IRA withdrawals and conversion to Roth

My wife and I both have substantial IRAs. My IRA total is a bit more than twice what my wife's is. Currently we are in retirement. I have delayed my Social Security, which I will begin taking at age 70. My wife is over age 70 so she has started mandatory withdrawals. What I am trying to figure out i...
by Ged
Tue Oct 04, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: eBay?
Replies: 32
Views: 2285

Re: eBay?

Ebay is very useful if you do your research. For example the efficient way to bid involves using a sniping service to place your bid in the last few seconds of the auction. The bidding that goes on earlier is irrelevant unless somebody bids a very high amount for the item. I'd argue that if you've ...
by Ged
Tue Oct 04, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 56
Views: 5419

Re: Mitsubishi ductless heating/cooling unit

I have a Mitsubishi mini split ductless in my garage that I've repurposed as a shop. It has one significant limitation, that is once the outside temperature gets below 40 or so it is ineffective as a heater. However it is great for keeping the garage shop comfortable in summer. They offer units with...
by Ged
Sun Oct 02, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: eBay?
Replies: 32
Views: 2285

Re: eBay?

Ebay is very useful if you do your research. For example the efficient way to bid involves using a sniping service to place your bid in the last few seconds of the auction. The bidding that goes on earlier is irrelevant unless somebody bids a very high amount for the item. If you don't do your resea...
by Ged
Sat Oct 01, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Have you ever bought a new car from a dealer?
Replies: 20
Views: 1287

Re: Have you ever bought a new car from a dealer?

I've purchased about 8 new cars in my lifetime. My current net worth is over 500K, but was not at the time I started buying new cars. About half were bought from dealers and half were bought through intermediary car buying services. Generally I keep my cars for their entire service life, up to 20 ye...
by Ged
Sat Oct 01, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6066

Re: Where/how do Bogleheads get their tires inflated?

Sheepdog wrote:
Stupendous wrote:Home compressor. Love my air tools :D

Same here.


+1.
by Ged
Thu Sep 29, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Choosing home with Natural Gas vs Oil Heat
Replies: 39
Views: 2165

Re: Choosing home with Natural Gas vs Oil Heat

I live in New Jersey. My home is heated by natural gas, and having lived previously in an oil heated home I prefer gas by a lot. The lack of an oil tank, hassles with deliveries and lower cost is great. The only thing that gives me pause about it is that every once in a while a tragic accident occur...
by Ged
Fri Sep 23, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: Rolling a 401k from previous employer to an IRA or new 401k
Replies: 7
Views: 467

Re: Rolling a 401k from previous employer to an IRA or new 401k

The legal protections of an IRA vary from state to state, so the decision may be affected by where you live. From my point of view it would have to be a pretty dire picture for me to roll over into a new employer's plan. There are some horror stories associated with 401Ks and bankruptcies. I would M...
by Ged
Fri Sep 23, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 5298

Re: Harvard Endowment Losses Tied to Value Stocks

In particular, this part of the story might be interesting: "Unfortunately, a number of our domestic equity external managers underperformed for the first time in many years amidst a difficult period for active management overall, particularly for value-oriented strategies," according to ...
by Ged
Wed Sep 21, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Spare Tire Replacement
Replies: 17
Views: 1230

Spare Tire Replacement

My son recently had to replace a flat tire on his 2001 Toyota. As you might expect, the spare (full size!) had no air, but I was able to help him out with a portable compressor. After inflation it has been holding air, and we are waiting for new tires from Tire Rack. Afterwards I started thinking ab...

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