Search found 3024 matches

by Ged
Thu Mar 23, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 51
Views: 1420

Re: How did you do your income taxes?

Turbo Tax Premier free from Fidelity plus a couple of small spreadsheets using Excel 2010 that I bought in 2012 for about $100. I've had good luck transferring my Fidelity information into Turbo Tax the past few years so I think I will continue doing this. Not counting the cost of the computer becau...
by Ged
Mon Mar 20, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4400

Re: Moving from Vanguard to Fidelity (probably)

Since fidelity won't accept vanguard admiral shares, you could always convert to etf before rhe transfer. You probably want to do this because this will avoid any issues associated with liquidation of your funds triggering capital gains. Further the trading costs of Vanguard ETFs held at Fidelity a...
by Ged
Mon Mar 20, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1654

Re: When does a new computer make sense...

I am finding that my computers are lasting 5 years or so now. These days it's changes to the peripherals more than the CPU that are driving me to build a new machine. This time it was SSDs, PCIE 3.0, USB 3.1, a 4K video card and so forth. The CPU and memory were not improved on much over the past 5 ...
by Ged
Sun Mar 19, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 41
Views: 3646

Bogle interview by Smerconish

Interview of John Bogle by Michael Smerconish.

87 years old and still sharp as a tack.

http://www.cnn.com/2017/03/18/politics/ ... iew-cnntv/
by Ged
Sat Mar 18, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 65
Views: 6293

Re: Citi card Nightmare

Don't know, the tech support people I talked with were very vague. One mentioned something about a recent "problem" with I.E, so they had me try and log-on using Chrome and Firefox. But Neither of those worked. Your problem with Citibank may or may not be due to the browser you are using....
by Ged
Thu Mar 16, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9141

Re: Anyone else taking less risk

I have started selling an increased proportion of equities as the supplement to my pension income.
by Ged
Wed Mar 15, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1911

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

I've heard Wells Fargo banks (not available here) and BOA provide Medallion signatures, so you might be able to open an account at one of those and keep it long enough to get the signature and whatever bonus they offer for opening an account. Wells Fargo will provide Medallion signature guarantees ...
by Ged
Tue Mar 14, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7125

Re: What Do You Keep In Your Bank Safe Deposit Box?

BrandonBogle wrote:
https://www.xkcd.com/936/



The XKCD example doesn't help with the need to use different passwords for each site.
by Ged
Tue Mar 14, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7125

Re: What Do You Keep In Your Bank Safe Deposit Box?

I was told at a local SunTrust branch that they were phasing out safety deposit boxes. The thinking is that digital is the new safety system. Do any banks still require two keys to open a box? We used to keep some cash in the box, in addition to CDs, birth/marriage certificates, etc. How can you wi...
by Ged
Sun Mar 12, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7125

Re: What Do You Keep In Your Bank Safe Deposit Box?

My safe deposit box is currently empty. However I have a new set of estate documents in preparation - wills, POA, living wills. On top of that will go an encrypted hard drive and some optical disks with tax data, family photos and other assorted data.
by Ged
Sun Mar 12, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18203

Re: How Bad was 2008, really?

What is so scary about a 2 year blip? While you are in the 'blip' you don't know how long it's going to last. Bank failures, large companies failing, mortgages going underwater so you can't sell and no end in sight make it a pretty scary experience. The financial effects are still with us too. My n...
by Ged
Sat Mar 11, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 22491

Re: How to Die

Just went through this with my father-in-law. He had dementia and could make no decisions. If he had not done a written advanced medical directive of his wishes, I hesitate to think what his children might have done to "save" him, at 93 years old. His written directive made it easier for ...
by Ged
Thu Mar 09, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5078

Re: Investing when market is peaking

Markets are either going up in which case they are 'peaking' or they are going down in which case it's obvious they will continue to go down. This is why some people sit in cash for years and years. I wouldn't be surprised if there were people on this site who have been in cash since the market lows...
by Ged
Thu Mar 09, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1737

Re: help with my printer problem

If you do decide to get a new printer I would also recommend a Brother laser printer. I have a high end multi-dancing color duplex that I get a lot of use out of. A friend has a low end Brother B&W that has also given great reliable service.
by Ged
Thu Mar 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Sizing a ductless min-split for basement
Replies: 58
Views: 2654

Re: Sizing a ductless min-split for basement

I would keep looking until an installer can mention the Manual J and that they will be doing one to size correctly. I had 2 "recommended" installers make wild guesses about what I needed and one that ran the Manual J before making their recommendation. They were hesitant to share it with ...
by Ged
Wed Mar 08, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 1737

Re: help with my printer problem

I would check the HP site to see if they have updated drivers for your printer.
by Ged
Sun Mar 05, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 1660

Re: Sonos Wireless sound?

Another up and coming music service seems to be Tidal. Maybe a bit more hard core than what you are looking for but some people I know like it.
by Ged
Fri Mar 03, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Crazy shipping boxes for small items
Replies: 7
Views: 639

Re: Crazy shipping boxes for small items

Amazon sent me a large box for a coin battery. Amazon has a packaging feedback link on the order page. If you feel sufficiently annoyed it's a good place to vent about this sort of thing. I do think Amazon is making an effort - I've noticed them using padded envelopes and so on more often in the pa...
by Ged
Fri Mar 03, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Roth for non-employed spouse
Replies: 16
Views: 1054

Re: Roth for non-employed spouse

The main limitation is that there has to be a joint tax return. Otherwise it's that same as if the spouse had income. The same income limits apply and so forth. It's also still an IRA - it's in the spouse's name ONLY even if you fund it.
by Ged
Thu Mar 02, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Baltic Cruise Suggestions
Replies: 14
Views: 672

Baltic Cruise Suggestions

In early June my wife and I are going on a Baltic cruise, something we have wanted to do for a long time. Basically the itinerary starts at Stockholm and roughly circumnavigates the periphery of the Baltic ending in Norway with stops at places like Bergen, St Petersburg and Copenhagen over a two wee...
by Ged
Thu Mar 02, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 5735

Re: What degree of stock market decline would tempt you to deviate from your AA?

What if inflation erodes your purchasing power? Or what if interest rates rise a lot and your bonds sink a great deal? (This happened in the 1970s.) You are not avoiding serious risk with your strategy. Have you run this strategy through Firecalc? The 1970's were not exactly a good time for stocks ...
by Ged
Thu Mar 02, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1690

Re: Medigap F vs F High Deductible decision

Aren't the financial objectives of a plan to be self supporting plus turn a profit for the insurance company? And doesn't it follow that a plan with higher expenses per member will see higher premium increases than one with lower expenses per member regardless of how it is rated? The thing is that ...
by Ged
Thu Mar 02, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Chromebook video quality question
Replies: 13
Views: 508

Re: Chromebook video quality question

I agree with bloom2708's suggestions. Couldn't this simply be a question of screen size? The exact same resolution blown up to a big enough screen might look grainy on the big screen, but not small. For example, I haven't tried this but I assume 1080 line video would look fine on a portable device, ...
by Ged
Thu Mar 02, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1690

Re: Medigap F vs F High Deductible decision

...I don't like Plan N because it doesn't cover excess charges, which I admittedly don't know anything about, but don't want any catastrophic exposure to anyway.... Excess charges depend a lot on where you live. In some areas of the country medical providers routinely charge them. In suburban Detro...
by Ged
Thu Mar 02, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1690

Re: Medigap F vs F High Deductible decision

Doug, Did you take into account that people will no longer be able to join Plan F in 2020? That means that the people in that group will only get older and sicker (as a group) as time goes on. Younger and healthier people will join other plans. All this implies that the premiums for Plan F will lik...
by Ged
Wed Mar 01, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 5735

Re: What degree of stock market decline would tempt you to deviate from your AA?

The great gaping hole I see in the Boglehead Plan is what happened in Japan in 1992 and in the Great Depression. I don't want to rebalance into a black hole. As a result I would not over commit resources into a market that may not come back in my lifetime. If I was in my 20's I'd rebalance all the w...
by Ged
Wed Mar 01, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity offers buy outs to reduce workforce
Replies: 26
Views: 3812

Re: Fidelity offers buy outs to reduce workforce

I sounds like this might be coupled with Fidelity's recent moves to lower trading fees and index fund expenses. The danger with these buyouts is that the good employees who can get jobs elsewhere go, and you are left with the remainders. My wife and I have an accounts at Fidelity in which I keep a s...
by Ged
Wed Mar 01, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 100
Views: 6934

Re: Tell me about Smart TVs and cutting cable

You don't need a smart TV. What you need is an external device that supplies the service you want. Such devices options are: Roku (what I use), Blu-Ray player, Playstation, Apple TV, Amazon Firestick, Google Chromecast and I'm sure others that I don't know about. Just pick the service you want and t...
by Ged
Tue Feb 28, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 43
Views: 2766

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

I would be careful of the Powerwall costs. From the time I remember looking at it you can easily end up with $20,000 for a 24 hr backup to a moderately large home. A natural gas fired genset would easily outperform that. Furthermore upstate NY is the national capital for cloudy winter days. Even whe...
by Ged
Tue Feb 28, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Second home or not ready
Replies: 56
Views: 4200

Re: Second home or not ready

Like others have said, I think that the idea of passing it on to the next generation is unlikely to work well, and when it comes time to settle your estate it may actually turn into a problem. My father owned a beach house which we enjoyed tremendously as a family, However when we grew up and had ou...
by Ged
Sat Feb 25, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1430

Cloudbleed Bug

Reports this week of a potential leak of passwords for internet sites using Cloudflare's internet service came out this week. Millions of sites use this service. Some are financial service sites. https://qz.com/918941/cloudflare-leaked-user-data-from-millions-of-websites-heres-how-to-check-if-you-we...
by Ged
Fri Feb 24, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 52
Views: 4535

Re: Talking with parents' financial advisor

ruralavalon wrote:Trading stocks every day. WOW :!: :!: :!:


Yes, the impact of that on the OP's parent's taxes is likely staggering.

Seriously this guy needs to be ditched.
by Ged
Fri Feb 24, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Company merger, rolling 401K to IRA
Replies: 19
Views: 450

Re: Company merger, rolling 401K to IRA

Is there some provision that reduces the match if her balance is lower or she rolls the account over? Most likely they are trying to keep her there for the fees. I would suspect the ethics of your company advisers as a general rule. Does the new plan offer something nice like a steady value fund tha...
by Ged
Thu Feb 23, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5531

Re: Do you replace your electrical switches/outlets or use an electrician?

adamthesmythe wrote:
"Intrinsically safe" starts well below 110.



Intrinsically safe is a terminology that applies to the ability to detonate an explosive or ignite a flammable material. Not relevant to a handyman looking to replace an electrical outlet in his home.
by Ged
Wed Feb 22, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2412

Amazon Coupon Code [expired now]

BIGTHANKS gets you $8.62 off on a order $50.00 or more today only.

They are celebrating finishing first on a Harris Corporation Reputation Poll.
by Ged
Sun Feb 19, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1205

Re: US debt approaching $20 Trillion

To begin about 30% of that debt is owed by one branch of government to another. In other words irrelevant. Then there is the fact it's all dollar denominated. If the government needs to pay it off all it has to do is print a few trillion dollar bills. Finally debt is not a problem if it is small rel...
by Ged
Sat Feb 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Credit score odd question
Replies: 21
Views: 1417

Re: Credit score odd question

I would advise starting a process where you visit the web site of your credit card companies to check your balance status once or twice a month. I've found this is the most reliable way to ensure that bills get paid on time. Relying on postal or email for delivery of statements is just not reliable ...
by Ged
Thu Feb 16, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 24
Views: 2623

Re: Should I cut my Pine tree?

I had a large white pine (48" dia trunk) that was about 8' from my house removed after Sandy. The storm knocked down some similar trees in my neighborhood causing all sorts of damage. It cost me about $800 to remove. Cutting it required branch removal with a bucket truck and then removing the t...
by Ged
Tue Feb 14, 2017 12:04 am
Forum: Investing - Theory, News & General
Topic: Planning for Retirement: Why do it the recommended way?
Replies: 26
Views: 2630

Re: Planning for Retirement: Why do it the recommended way?

One risk with a 401k is that you don't control it. The employer could take that Fidelity managed 401k where he was paying all the costs and you were seeing sub 0.05% ERs for every index fund you could imagine wanting. Then one day, your company is bought and he decides that it's better to go with E...
by Ged
Fri Feb 10, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 2693

Re: Building a Computer

I thought it would be a fun project and save some money over time with it being easy to upgrade in the future hopefully. I have always had a custom built PC. Going back to the 1980's when I had a 80286 running MS-DOS and 2 full height 5 1/4" hard drives. Off the shelf systems are often intenti...
by Ged
Wed Feb 08, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401(k)
Replies: 21
Views: 931

Re: John Hancock 401(k)

I had an employer for a few years a decade ago that used JH. If you are getting 0.83% and a selection of good index funds JH has improved their 401K offering considerably.

All I can say is that one of the reasons I didn't mind leaving that job was JH.
by Ged
Tue Feb 07, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1305

Re: Transition from private insurance to Medicare

I also went through a period on Medicare without Social Security. They sent me a bill every few months that I paid with a credit card. The only problem I had was that I was using a Costco Amex cash back card and the billing form was set up for the M/C - Visa numbering scheme. A couple of times my pa...
by Ged
Mon Feb 06, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 5738

Re: Too good to be true?

I think the catch is the psychology of investing. The Boglehead approach is extremely easy from a mechanical point of view, not so much from a psychological point of view. People are always posting stories about being scared into all cash or falling for sales pitches for Whole Life policies or takin...
by Ged
Sun Feb 05, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Drawbacks to using rack server unit as desktop computer?
Replies: 14
Views: 1268

Re: Drawbacks to using rack server unit as desktop computer?

Noisy fans. Inconvenient case dimensions for a desktop application. High power consumption. It will probably have some onboard video support but most of these don't have slots for a dedicated video card until you get to a 4U case. Windows Server 2003 is an archaic operating system that is past end o...
by Ged
Sun Feb 05, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: A tale of TWO REITS . . . Does PE Matter?
Replies: 7
Views: 907

Re: A tale of TWO REITS . . . Does PE Matter?

Price to earnings ratios don't mean much with REITs because depreciation is not the same factor as it is with corporations. Funds from operations is often recommended as an alternative. http://www.investopedia.com/articles/04/112204.asp https://www.bogleheads.org/wiki/Real_estate_investment_trust Ad...
by Ged
Sun Feb 05, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3865

Re: mattresses and alcohol (bourbon, scotch, whiskey)

What are you setting up here? :shock:
by Ged
Sat Feb 04, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6217

Re: Cord cut strategy for young family

There are currently 3 major alt-cable networks that operate over the internet. Playstation Vue, Sling TV and Direct TV now. Cost is about $30-$50 per month. This article describes their services. http://www.digitaltrends.com/home-theater/playstation-vue-vs-sling-tv-vs-directv-now-2/ You may want to ...
by Ged
Thu Feb 02, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Technical issues with WIFI internet and websites
Replies: 18
Views: 1123

Re: Technical issues with WIFI internet and websites

My first guess would be poor wifi performance; I would try a cable connection. Also sometimes an ISP's DNS can be flakey for various reasons. This could cause symptoms similar to what you describe. You can try using Google's public DNS as described here: https://developers.google.com/speed/public-dns/
by Ged
Thu Feb 02, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8272

Re: How do you guys ignore this stuff?

Experience helps you a lot.

So does turning the TV off and reading a book.

Come here and we'll help you calm down.

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