Search found 218 matches

by Higman
Tue Jan 16, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 1023

Re: US escorted tours

I have had good experiences with Tauck Tours.
by Higman
Tue Jan 09, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 984

Re: Question regarding forced hot water system

Some boilers have a low water shut off circuit. Even if they don’t it is still a bad situation should it run low. You can split the water supply source into two streams- one to the boiler and one to the rest of the house. Each stream will have an individual shut off valve. A half measure would be to...
by Higman
Mon Jan 01, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3818

Re: Car headlights or Daytime Running Lights - what do you do?

My car manual says not to leave the light switch in AUTO if you will not be driving the vehicle for a week or more. I suspect there will be a small battery drain if left in that position.
by Higman
Sat Dec 23, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 77
Views: 7444

Re: Are Roth IRAs overrated?

ROTH IRA's have another advantage not mentioned here. When either myself or my wife dies then the survivor will surelly be in a higher tax bracket as a single taxpayer vs. married filing jointly. With ROTH there will be no impact.
by Higman
Thu Dec 14, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Jim Simons Medalion fund averages 71.8% annual return
Replies: 26
Views: 4222

Re: Jim Simons Medalion fund averages 71.8% annual return

For those who might want to know more about Jim Simons please see:

https://www.youtube.com/watch?v=gjVDqfUhXOY

The link is to an abbreviated version (18 minutes) of a one hour interview. At about the 5 minute mark he starts to discuss his approach to investing.
by Higman
Tue Dec 05, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Bitcoin & It’s Risks
Replies: 57
Views: 5051

Re: Larry Swedroe: Bitcoin & It’s Risks

Here are some technical risks to take into consideration:

https://isc.sans.edu/forums/diary/9+Fas ... ins/23071/
by Higman
Thu Nov 16, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: AAII Discontinues Model Fund Portfolio
Replies: 1
Views: 303

AAII Discontinues Model Fund Portfolio

I subscribe to the American Association of Individual Investors (AAII) and find their monthly journal very educational. However, I just received an email regarding their Model Fund Portfolio, which was a collection of about nine mutual funds and ETFs spread across large, mid and small caps sizes. Th...
by Higman
Sun Aug 27, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 2232

Re: mold problem in bathroom --advice?

Just a word of caution. The manufacturer of the grout in my bathroom only recommends PH neutral cleaners. This leaves out bleach, vinegar, amonia, and most commercial tile cleaners. Unfortunately PH neutral cleaners are rather useless. I would advise trying some of the above recommendations but don'...
by Higman
Tue Aug 08, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Windows 10 [Looking for games]
Replies: 7
Views: 628

Re: Windows 10

I got mine from winaero.com and have had no issues.
by Higman
Sat Apr 29, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 17360

Re: Microsoft, I want my computer back!

I have found that my W10 sometimes has keyboard lag. I have a wireless keyboard (new) on a new desktop. Internet searches have offered a few suggestions, none of which have worked. It be something inherent in W10 that doesn't give the KB priority. This does happen from time to time but not a proble...
by Higman
Sat Apr 29, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 17360

Re: Microsoft, I want my computer back!

Can you run Windows Task manager (cntl alt delete) and see what process is snarfing up resources? This might give you the biggest clue. When the problem occurs, run Task Manager and check for the heaviest disk and CPU user. Hopefully you can break into whatever is running and get to the Task Manage...
by Higman
Thu Apr 20, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 6071

Re: Visualizing the devastating impact of fees

Nice chart Lobster. The only minor point I have is that your percentage is correct as far as the investor is concerned but the advisor does not get all the rest. Part of the dark blue area is due to opportunity costs. That is money you could have earned if you reinvested the advisor fees. If the mar...
by Higman
Mon Apr 03, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: How to Evaluate a Preferred Stock Portfolio
Replies: 2
Views: 430

Re: How to Evaluate a Preferred Stock Portfolio

Thanks David. I’ll try to explain the risk of preferred stocks to him and also run some annuity options (SPIA) taken at different ages for him. I appreciate your expertise.
by Higman
Sun Apr 02, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to Evaluate a Preferred Stock Portfolio
Replies: 2
Views: 430

How to Evaluate a Preferred Stock Portfolio

My retired friend, 75 and single, is intrigued by the simplicity of a 3-Fund portfolio. He would like to try it but is not sure if it is better than what he has now. He is with Wells Fargo Advisors and showed me his last month's report and asked what I think. His overall portfolio objective is Moder...
by Higman
Mon Jan 16, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to cancel Term Life Policy
Replies: 4
Views: 981

How to cancel Term Life Policy

I have an “Adjustable Premium Level Term Insurance Policy to Age 95”. After 20 years of level premium the new premium jumps over 8 times higher this February 1 and goes up annually from there. I no longer need this policy. I called the customer service department and they said either have the owner ...
by Higman
Fri Dec 23, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents in good hands with this adviser?
Replies: 88
Views: 8341

Re: Are my parents in good hands with this adviser?

While the advisor claims to act as a fiduciary and comply with the new DOL rules (which is good) I would point out that the new fiduciary rules only apply to retirement accounts such as 401Ks and IRAs. They do not apply to non-retirement accounts. If most of your parent’s savings are in a taxable ac...
by Higman
Mon Oct 31, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 3596

Re: How Long should Updates for Windows 10 take to load??

1210 – You are not alone. This is a common problem yet to be resolved by Microsoft. Just google the problem and you will see many hits. I have the same issue. I have two identical desktops that I upgraded from Windows 7. One will always hang up like yours after a windows update and restart. Yet my o...
by Higman
Fri Jul 22, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 3474

Re: Should one upgrade to Windows 10? Free thru July 29?

I would go ahead and upgrade to Windows 10. Windows 8.1 is a lot closer to Windows 10 than Windows 7 so it should be an easy upgrade. You do have 30 days to back it off should you want to. A month ago I upgraded two desktop PCs from 7 to 10. Things I found: 1. It takes a little getting used to espec...
by Higman
Sun Jul 03, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stolen account numbers/SSN/etc
Replies: 34
Views: 4143

Re: Stolen account numbers/SSN/etc

Is there a way to tell if a keylogger is installed? Please download and install Malwarebytes and do a full scan. http://www.malwarebytes.com - it's an amazing product and will likely find anything planted on your parents' computer. (I'm not affiliated, but I am a very satisfied customer.) The defau...
by Higman
Tue Jun 07, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Are we neglecting the value of the second Social Security benefit?
Replies: 23
Views: 2461

Re: Are we neglecting the value of the second Social Security benefit?

Another consideration in this scenario is that you could also be thrust into a higher tax bracket filing as a single filer vs. jointly.
by Higman
Fri May 06, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 3223

Re: What is considered Inside information?

Insider trading can be done even by “worker bees”. Many years ago I had an acquaintance who worked for a large company with a national sales force. At the end of each quarter this salesman would know if his office was making quota. He then would contact salesmen in the regional offices for info, the...
by Higman
Sun Apr 24, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 2001

Re: Moths. not burglars, activate lights

I had a motion detector installed to control an existing outside light. The detector is about 10 feet from the light. This type of setup may solve your problem.
by Higman
Tue Apr 19, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Monthly Historical Temperature Data (for Cleveland)
Replies: 2
Views: 528

Re: Monthly Historical Temperature Data (for Cleveland)

Try this site:
http://www.cpc.ncep.noaa.gov/products/a ... gree_days/

It gives daily and monthly heating & cooling degree days for your city. The data archives for three months.
by Higman
Sat Apr 09, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 919

Re: Outdoor Granite Restoration Product

I've had good luck with Wet & Forget. It will take a couple of months after application to come clean and you may have to do a second application. But it works.
by Higman
Sun Jan 24, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 1547

Re: [Computer] Backup Date issues

I agree with the recomendation of using CCLEANER. But I would also run RESMON. On Windows 7 click on the start button and type in "resmon". This utility will show you what is using CPU, Memory, Disk and Network. You may be able to isolate an offending background app. For a deeper dive I recommend go...
by Higman
Tue Dec 29, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 196
Views: 27963

Re: The Big Short

I just saw the movie and thought it was great. There is another very valuable lesson in this movie and that is management risk in an active fund. Even though Dr. Michael Burry was correct had he shorted mortgages six months earlier he might have destroyed the Scion Capital hedge fund he managed. Tim...
by Higman
Sun Dec 13, 2015 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Age 75, change fund ownership from individual to joint?
Replies: 19
Views: 2193

Re: Age 75, change fund ownership from individual to joint?

Lafder wrote:I have a couple of comments.

Vanguard does not allow beneficiaries on jointly held accounts. lafder
Not always. They may not currently allow it for new joint accounts but our joint account has our sons as primary beneficiaries. This was set up years ago.
by Higman
Thu Dec 10, 2015 4:59 pm
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 29
Views: 5376

Re: Passport Renewal

Even though passports are for a 10 year period be aware that many countries require that the passport does not expire sooner than 6 months after your scheduled return date.
by Higman
Wed Oct 07, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 5741

Re: Demand repairs or give a bye for honesty?

I would negotiate repairs with a repair shop and then have him pay for it. But try to have him pay out of pocket (hopefully his deductible will cover it ). If insurance pays then an accident report will go on your car’s CARFAX report (and his car as well). Something similar happened to my son’s car...
by Higman
Wed Oct 07, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 5741

Re: Demand repairs or give a bye for honesty?

I would negotiate repairs with a repair shop and then have him pay for it. But try to have him pay out of pocket (hopefully his deductible will cover it). If insurance pays then an accident report will go on your car’s CARFAX report (and his car as well). Something similar happened to my son’s car a...
by Higman
Sat Aug 15, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 56
Views: 7219

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

Don't forget to check for recalls on the car. 2008 Hondas may have defective air bags. See:
http://www.nhtsa.gov/Vehicle+Safety/Recalls+&+Defects
by Higman
Fri Jun 05, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Customer Reviews
Replies: 6
Views: 1531

Amazon Customer Reviews

I always read the customer reviews whenever I buy through Amazon. I give more credence to 3 & 4 star reviews than 1, 2 or 5 star reviews; they seem to be more balanced and fair. I was looking at the reviews of a particular book and found only three customers had reviewed the book. All three were fiv...
by Higman
Sat Apr 04, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 8416

Re: Buy riding mower or hire service to cut grass?

Your choice is a close toss-up. I have about 2/3 acre and used a rear engine ride-on for years, then switched to a lawn service for 10 more years then to a self-propelled push mower. The push mower (Honda) is great exercise – takes about 2 hours. However after the second mow of the season it does ge...
by Higman
Sun Jan 18, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 67
Views: 7141

Re: A quick poll--pension annuity vs. lump sum

There are tax implications to lump sum distributions. See:

http://www.irs.gov/taxtopics/tc412.html
by Higman
Sat Jan 10, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 3744

Re: Home Energy Audit - worth it?

I had an energy audit done last March by a company recommended and subsidized by my state. My cost was $99 since I use oil. It would have been $20 cheaper if I used gas. Anyway, three men spent almost three hours going through my house (upstairs, downstairs and attic). They did a door blower test an...
by Higman
Fri Dec 26, 2014 5:10 pm
Forum: Personal Consumer Issues
Topic: Social Security Number on Dental Policy – Legal?
Replies: 8
Views: 4039

Re: Social Security Number on Dental Policy – Legal?

Thanks to all for your replies. I suppose every iteration of Delta Dental policies is different. My subscriber number is my SSN, yet it also has a client number on the card. I did check the link provided by livesoft and branched off from there. Most of the privacy laws regarding SSN deal with what a...
by Higman
Fri Dec 26, 2014 12:31 pm
Forum: Personal Consumer Issues
Topic: Social Security Number on Dental Policy – Legal?
Replies: 8
Views: 4039

Social Security Number on Dental Policy – Legal?

I just signed up with Delta Dental for 2015 dental coverage. I just received my dental card and found out that my subscriber id number is my social security number. So now my dentist and staff will have my social security number on file and use it to submit claims. My previous policy was with MetLif...
by Higman
Tue Dec 23, 2014 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading TurboTax - tips for an easy process
Replies: 20
Views: 5457

Re: Downloading TurboTax - tips for an easy process

Thanks FrogPrince. Your instructions worked for me. Just a FYI though. After I installed TT Premier I found a small debug.log file in my TT folder (where the .tax2014 file is located). This concerned me enough, thinking the installation failed, that I researched Intuit and found that it is normal an...
by Higman
Sun Dec 07, 2014 12:52 pm
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 36
Views: 4560

Re: Investing Magazines

I too would recommend AAII (American Association of Individual Investors) as mentioned by gwrvmd above. They are small cap oriented and do provide various techniques for stock picking – all of which I ignore. The real value is all the other articles they print like tax strategies, portfolio trackin...
by Higman
Sun Dec 07, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 36
Views: 4560

Re: Investing Magazines

I too would recommend AAII (American Association of Individual Investors) as mentioned by gwrvmd above. They are small cap oriented and do provide various techniques for stock picking – all of which I ignore. The real value is all the other articles they print like tax strategies, portfolio tracking...
by Higman
Thu Oct 30, 2014 1:35 pm
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 5576

Re: A Little Common Core Math problem

Solving this problem with equations requires algebra. Since algebra is not being taught at that grade level the students must rely on critical thinking skills. She did solve the problem – and did it without algebra. Not elegant but sufficient. Good for her.
by Higman
Thu Oct 30, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 6986

Re: The safest 4 door sedan out there

If you are a large person then the crash test results using a 167lb dummy may not apply. Please see:

http://abcnews.go.com/Health/fatter-cra ... d=26545335

New 270lb dummies will now be used.
by Higman
Thu Oct 23, 2014 7:07 pm
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 6951

Re: IBM: Stock Buybacks Gone Wrong?

Here is another angle on why a company would buy back stocks. I remember around 1984 when then CEO John Opel had $6B that he didn’t know what to do with. He said the best investment he could make was investing in IBM. So he used it to buy back stock. This raised the EPS. Guess what? He receives a mu...
by Higman
Mon Oct 20, 2014 5:16 pm
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 3725

Re: Multiple Fake "Thank you for your order"?

ResearchMed - I just received the same email today. It had the same format as you described. The sender was listed as: ygutierrez@superdelnorte.com.mx. There is a Super Del Norte store in Mexico. but I suspect this is a scam e-mail. Just delete it.
by Higman
Thu Sep 04, 2014 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 2463

Re: chip credit cards

I have a Citi card with chip and mag stripe. All stores that I shop in accept a swipe of the card. All except Sam’s Club (owned by Walmart). Their terminal rejects my card if I swipe it. It forces me to insert the card at the base of the reader. It then takes about 20 seconds to complete the transac...