Search found 2689 matches

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: 36
Views: 3722

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...
by Ged
Thu Feb 11, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Today's Market Open supposed be Brutal...........
Replies: 39
Views: 3046

Re: Today's Market Open supposed be Brutal...........

I'm retired now with about 35% in equities at the moment. My investment plan is at the point where I wonder if it's worth the risk to rebalance when the market goes down. After all one could be looking at a 1930's scenario where you could end up chasing the market down 90% for a decade or more.
by Ged
Thu Feb 11, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: The 10 Year Treasury is at 1.60
Replies: 25
Views: 2237

Re: The 10 Year Treasury is at 1.60

The drop in interest rates = increase in the value of bonds to their current holders, like me :) somewhat offsetting the decrease :x in equities. If this continues for a couple of more months I'll be selling some of these appreciated bonds to purchase depreciated equities :D to maintain my target al...
by Ged
Wed Feb 10, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: The Retirement Problem: What Will You Do With All That Time?
Replies: 61
Views: 4621

Re: The Retirement Problem: What Will You Do With All That Time?

The article points out a very real problem in retirement. Many of us found some of our self-identity in work and when that goes away it can be a "very big loss." Besides financial plans one should also know that this could be an issue and be prepared to handle it. One can find their ident...
by Ged
Mon Feb 08, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5188

Re: No guts to buy today!

I know that I will regret it. It happens to me every time that there is a major equity drop. Instead of buying I chicken out. In a year I will say the same I always say: "You fool" I have been at it over 30 years and I cannot correct my bad habit. What makes you think this is a major equi...
by Ged
Mon Feb 08, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3404

Re: Thank goodness for my precious metals

PRPFX is a very poor representation of Harry Browne's preferred asset allocation (the Harry Browne Permanent Portfolio, or HBPP). It is way too tilted toward inflation and has high costs. The standard HBPP has 25% in cash, 25% in gold, 25% in long Treasurys, and 25% in stocks. That has done much be...
by Ged
Mon Feb 01, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1270

Re: Made in Germany

My slippers are Haflinger which are made in Germany. I am also a fan of German tool brands like Wiha and Festool. I have a Fein multi master, but the Festools while great are $$$$$. Not many tools made in USA anymore. There are a few. I look for and buy ones that are. They don't cost any less than ...
by Ged
Mon Feb 01, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1270

Re: Made in Germany

My slippers are Haflinger which are made in Germany. I am also a fan of German tool brands like Wiha and Festool.
by Ged
Sun Jan 31, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1634

Re: Buy a TV Warranty?

Leesbro63 wrote:but am wondering if maybe we should.


Add on warranties are a very high profit item. In other words you are making a losing bet by purchasing one.

Buying with a credit card that provides extra coverage is as far as I would go.
by Ged
Thu Jan 28, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 3043

Re: wife needs phone. Android, iPhone or Windows phone?

There are recent reports that Microsoft is likely to withdraw or drastically scale back their already minimal presence in the phone market. They have completely written off their multi billion dollar investment in Nokia. I would not spend money on one of their phones. Clearly even if they continue m...
by Ged
Tue Jan 19, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do retirees care about their credit score?
Replies: 35
Views: 2336

Re: Do retirees care about their credit score?

sport wrote:Some auto and homeowners insurance rates are affected by credit ratings. Apparently, those with lower credit scores are more likely to file claims.


My auto insurance renewal this year stated that my rate was lower because of my excellent credit rating.

So it does matter.
by Ged
Tue Jan 19, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Garage Door Repair (tech insurance issue)
Replies: 30
Views: 2133

Re: Garage Door Repair (tech insurance issue)

If you are worried about the door coming down when the cable is off simply place a support in the door opening.
by Ged
Sun Jan 17, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help re: job offer British embassy
Replies: 12
Views: 1319

Re: Help re: job offer British embassy

Well there have been some shady dealings with by embassy officials seeking to avoid US employment law. https://en.wikipedia.org/wiki/Devyani_Khobragade_incident However it's hard to imagine that the British, when hiring an American citizen would do anything contrary to US employment law. Why not jus...
by Ged
Sun Jan 17, 2016 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with extremely delayed medical billing
Replies: 29
Views: 2918

Re: Dealing with extremely delayed medical billing

You all do realize that ICD 10 was in use in over 26 countries before the USA adopted it in 2015? The USA did not just recently create the system for its own use... And they use a fraction of the 69,000 codes that the USA uses. And the AMA owns the copyright royalties to the codes...that's why they...
by Ged
Sun Jan 17, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Invest even if it's probably not the bottom
Replies: 18
Views: 3351

Re: Invest even if it's probably not the bottom

What does your IPS say?
by Ged
Sun Jan 17, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 2536

Re: Films or TV with great period sets

Mr. Turner, a wonderful biopic on the great 19th century proto-impressionist artist J.M.W. Turner.
by Ged
Mon Jan 11, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4035

Re: $1.3 Billion Jackpot - How would you invest it?

randomguy wrote:
Has there ever been a single case of kidnapping of a lottery winner in the US?


Yes. Jeffrey Dampier, kidnapped and murdered by a sister in law and her (unrelated) boyfriend.
by Ged
Thu Jan 07, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7620

Re: Waste of money? [High-end home theater]

$14K doesn't sound outlandish to me. However a lot depends on how you spend it. I have always had good quality sound equipment. I've never regretted buying good speakers. They last for years and years because the technology change in that area is slow and there isn't much to break. In my adult life ...
by Ged
Thu Jan 07, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: How would a boglehead spend the lotto?
Replies: 36
Views: 1489

Re: How would a boglehead spend the lotto?

Hire a good lawyer and accountant to maintain my privacy as much as possible and preserve my winnings. Set up a trust for my immediate family and children so they are financially secure. Set up a second trust for my favorite charities. Buy a nice house on the water in California with about a 12 car ...
by Ged
Thu Dec 31, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Scary Consumer Warnings on New Towels
Replies: 19
Views: 2268

Re: Scary Consumer Warnings on New Towels

Benzoyl peroxide is a bleach. Your towels will look discolored if it gets on the towel from your pimply teenager's face.

As far as children under 3, they probably should not be allowed to use anything unsupervised.
by Ged
Thu Dec 31, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Securing Emails / Identity
Replies: 12
Views: 922

Re: Securing Emails / Identity

The first rule of email is that it is fundamentally insecure. The mail is generally sent unencrypted over the internet and may be read at any number of places. Furthermore law enforcement does not need a warrant if the mail is kept on 3rd party servers like Google and Yahoo for more than 60 days. Re...
by Ged
Tue Dec 29, 2015 9:32 pm
Forum: Investing - Theory, News & General
Topic: Do you think Big Data technologies could aid active investing in the future?
Replies: 31
Views: 1553

Re: Do you think Big Data technologies could aid active investing in the future?

Improved analytics sounds to me like a road to improved and more efficient price discovery. This will simply make active investing even less likely to beat index investing.
by Ged
Fri Dec 25, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Imac retina
Replies: 7
Views: 829

Re: Imac retina

I am skeptical of most old routers from a security point of view. Many have known exploits in the underlying software that have not been upgraded or patched.
by Ged
Tue Dec 22, 2015 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tricky RMD Question
Replies: 10
Views: 1020

Re: Tricky RMD Question

An IRA owner must calculate the RMD separately for each IRA that he or she owns, but can withdraw the total amount from one or more of the IRAs. Similarly, a 403(b) contract owner must calculate the RMD separately for each 403(b) contract that he or she owns, but can take the total amount from one ...
by Ged
Tue Dec 22, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: What is best Titanium Road Bike
Replies: 32
Views: 2379

Re: What is best Titanium Road Bike

Tycoon wrote:
Be careful of galvanic corrosion when mixing metals.


Titanium forms an extremely tough oxide layer on its surface because it is a very reactive metal. You would have to be in an environment free of air or water for this to be an issue.
by Ged
Sun Dec 20, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: Macys.com security breach?
Replies: 10
Views: 1297

Re: Macys.com security breach?

From https://customerservice.macys.com/app/a ... urity-tips

Do not reply to unexpected emails, telephone calls or text messages asking you for personal information. If you have any doubts about the legitimacy of an email, please do not click on any links in that email.
by Ged
Fri Dec 18, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: For those who have seen the new Star Wars movie
Replies: 36
Views: 4250

Re: For those who have seen the new Star Wars movie

Our family ALWAYS buys our tickets online and we ALWAYS reserve our seats. We live in an underserved area (lots of theater goers and young families and movie theaters are always very crowded). Our theater charges $1 person to buy online and I consider it money well spent because it means we don't h...
by Ged
Fri Dec 18, 2015 8:37 pm
Forum: Investing - Theory, News & General
Topic: ETF or Fund - Which Do You Use?
Replies: 40
Views: 2910

Re: ETF or Fund - Which Do You Use?

I use the ETF for two reasons: 1. Trading costs are lower for me. 2. More flexibility as to when I can sell. While there is some danger of market distortions there is also a risk to being stuck with the closing price as opposed to being able to sell mid-day. I do agree though it puts more onus on th...
by Ged
Fri Dec 18, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Will Medical Costs Fall Under Medicare
Replies: 42
Views: 2871

Re: How Much Will Medical Costs Fall Under Medicare

I think you will save 60% on your current plan, at least.
by Ged
Fri Dec 18, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5763

Re: What am I missing ? ... Smart Phones $100 vs. $600

The iphone 4S released in 2011 is still getting OS and security patches, will get them at least until 2016 when iOS 10 is out. The nexus 4 released in 2011 stopped getting updates, although it has great hardware and can run the new OS smoothly. Forget about other android devices. Windows phones are...
by Ged
Fri Dec 18, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5763

Re: What am I missing ? ... Smart Phones $100 vs. $600

What can a $600 phone do that at $100 phone cannot do? :confused I bought a $400 Nexus 5X partly because it is the least expensive phone that works with Google's Project Fi. This is a prepaid service that has a base rate of $20 per month voice and text, and flexible data at $10 per gig. It uses BOT...
by Ged
Sun Dec 13, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 2049

Re: Predict stock movement this week

> Predict stock movement this week

Lots of stocks will move.
by Ged
Sat Dec 12, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Garage door not flush in one spot w/ floor question
Replies: 13
Views: 1232

Re: Garage door not flush in one spot w/ floor question

A couple of years ago I installed a mini split ductless in my garage so I could use it as a shop year round. As part of this I used a garage threshold and construction adhesive along with a extra thick rubber seal along the bottom of the garage door. It worked quite well. Several vendors on Ebay spe...
by Ged
Thu Dec 10, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: mailboxes freezing shut?
Replies: 31
Views: 1732

Re: mailboxes freezing shut?

I lived just outside Syracuse for 17 years and despite averaging 9 feet of snow every year I never had a mailbox freeze shut. My big problem was show plows burying or hitting and crushing the mailbox. I had a rope attached to the box tied to the post so I could fish it out of the snow banks when it ...
by Ged
Thu Dec 10, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 4392

Re: We have a major bedding issue. Yes, bedding.

I have found that wool mattress covers are very good for air circulation between the mattress and sheets. You may find that they are cool to sleep on and may help with sweating at night especially in summer.
by Ged
Sat Dec 05, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: Looking for new VoIP provider
Replies: 23
Views: 927

Re: Looking for new VoIP provider

Your best VOIP service will likely be with Comcast as they can set dedicated channels on their system for telephone service that a third party cannot. It will be more money than cut rate providers though.
by Ged
Thu Dec 03, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Cordless phone batteries
Replies: 18
Views: 693

Re: Cordless phone batteries

Doubt if it matters.

Interestingly Panasonic bought out Sanyo a year or two ago. Sanyo (now Panasonic) NiMH are generally considered the best of breed.
by Ged
Sun Nov 29, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 13696

Re: Subaru Blues

Consider a Toyota or Honda :happy Browser, I wouldn't make any generalizations over an entire brand or even within a model. Look at Honda, which some here consider to be the gold-standard of reliability as noted by the comment I quoted above. Their first generation of SUV's (CRV, Pilot, Passport) w...
by Ged
Sat Nov 28, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card company sending bill late
Replies: 21
Views: 2235

Re: Credit card company sending bill late

I've given up on credit card billing as a trigger for me to pay the balance. Email sometimes gets lost and physical mail gets delayed.

I now check my cc balances online the first of every month and make payments accordingly.
by Ged
Sat Nov 28, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 3584

Re: Are suitcase locks worth it?

Not in my experience. The TSA will often cut the locks off, even if they are TSA approved.
by Ged
Fri Nov 20, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5613

Re: Are Subarus reliable?

In looking at the chart I was surprised to see that Buick and Kia rank above Honda and that Mitsubishi isn't even on the list. I also noticed the wide range for Ford and Cadillac which seems to speak to poor/inconsistent quality control/product while Lexus Mazda and toyota have relatively less vari...
by Ged
Fri Nov 20, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Are Subarus reliable?
Replies: 81
Views: 5613

Re: Are Subarus reliable?

I had a 4WD Subaru back in the 1980s when I lived in Syracuse. It was incomparable back then because there were few cars that had a 4WD feature, and I always put 4 studded snow tires on it for winter. With this configuration there were many times I zipped up hills no other car could manage. The only...
by Ged
Thu Nov 19, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Need to overcome our frugal habits and splurge a little in retirement
Replies: 63
Views: 7158

Re: Need to overcome our frugal habits and splurge a little in retirement

The real gift of retirement is the time you have to spend doing the things that you love.

I'd be most concerned if your frugality was preventing you from doing that.

Otherwise there is nothing bad about the idea that spending money just to spend money is not a route to happiness.
by Ged
Mon Nov 16, 2015 5:05 pm
Forum: Investing - Theory, News & General
Topic: VG "channeling our savings into secret money politics"?
Replies: 11
Views: 1375

Re: VG channeling our savings into secret money politics

This is a letter from a political organization that claims customer advocacy. They are trying to push their political viewpoint. Like everything else you should research what they are saying and decide if you agree or not, and then take whatever action you think appropriate. The only mistake you can...
by Ged
Mon Nov 09, 2015 6:45 pm
Forum: Personal Consumer Issues
Topic: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk
Replies: 29
Views: 2797

Re: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk

So let's play this out - Someone steals my Vanguard login and password somehow. Would Vanguard's safeguards stop them from stealing the money? Most importantly, who's liable if they do steal it? Vanguard User Agreement: You are responsible for maintaining the confidentiality of any account informat...
by Ged
Mon Nov 09, 2015 1:02 pm
Forum: Personal Consumer Issues
Topic: Password managers (eg Keepass, Lastpass, 1Password etc)- security risk
Replies: 29
Views: 2797

Re: Whatever

"KeeFarce uses DLL injection to execute code" - https://github.com/denandz/KeeFarce So, who cares. Mac OS X does not use DLLs. Any commercially available software that stores keys on any operating system will be the eventual target of these types of exploits. There is no way around that o...
by Ged
Sat Nov 07, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 3277

Re: Amazon Pricing of Product at different prices

One of the things to watch out for with third party sellers on Amazon is that quite a few of the small parts electronics items are sold out of China. Quality and shipment time on these is quite variable.

It's sometimes hard to determine where these items will come from.
by Ged
Sat Nov 07, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Federal Security Clearance Related Help Request
Replies: 6
Views: 883

Re: Federal Security Clearance Related Help Request

A lot depends on what the country is and where the relatives live. For example China would raise a lot more concern than Canada.

Do you have a non-US passport? Dual citizenship can be an issue too.
by Ged
Sat Nov 07, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: Phishing attempt?
Replies: 19
Views: 1160

Re: Phishing attempt?

One of the biggest safe computing rules: never ever click on email links or attachments. If you are concerned call the bank using the number on your statement.

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