Search found 197 matches

by Higman
Fri May 06, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is considered Inside information?
Replies: 39
Views: 2233

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: 1440

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: 294

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: 608

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: 909

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 re...
by Higman
Tue Dec 29, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 153
Views: 17600

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: 1720

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: 3863

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: 4688

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...
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: 4688

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: 47
Views: 4042

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: 1359

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...
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: 5647

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: 62
Views: 5344

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: 2811

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: 2266

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: 2266

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: 4897

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: 3647

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: 3647

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: 3988

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: 5936

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: 6045

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: 3165

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: 2047

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...
by Higman
Tue Aug 19, 2014 6:25 pm
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3935

Re: Pressure Cookers?

We have a Duromatic by Kuhn Rikon. It is well made and is just right for certain dishes. However, be aware that it is a pain to use if you have an electric burner stove. You will need to buy a heat diffuser or else be constantly changing the burner setting to keep constant pressure in the pot. We al...
by Higman
Thu Jun 19, 2014 4:11 pm
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 12910

Re: Do you see profit or ponzi?

Agree with all others above. Don’t invest in this. In addition to what others said I found this statement interesting: “The Portfolio invests in financial instruments whose value is derived from the value of an underlying asset, interest rate or index.” He is investing in derivatives, but said no op...
by Higman
Wed May 07, 2014 12:07 pm
Forum: Investing - Theory, News & General
Topic: A riddle about "attributing" gains.
Replies: 44
Views: 4140

Re: A riddle about "attributing" gains.

I have a minor quibble with those that say Cappy and Divvi contributed equally. While it’s true they each contributed equally as a percentage (3.5625%) during their half year it is Divvi who contributes more in total return. Since Divvi invests in the second half of the year she always has a larger ...
by Higman
Sun May 04, 2014 10:33 am
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 63
Views: 22580

Re: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]

checkout : //www.hondapowerequipment.com/faq and look for the question "Does it matter which direction I mow?" Basically Honda recommends mowing in a rectangular patter from the outside in. Furthermore they recommend going in a counterclockwise rotation if mulching and clockwise for baggin...
by Higman
Sat May 03, 2014 12:51 pm
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 86
Views: 11648

Re: New Housing Bubble and upcoming cycle peak

Garland, A friend just sold a house to someone who did get 110% financing from the Navy Federal Credit Union. This indeed is a bad sign. Going back to the old ways.
by Higman
Mon Apr 28, 2014 2:29 pm
Forum: Personal Consumer Issues
Topic: Do Honda Mowers Leave Un-cut Grass Strips? [YES, but...]
Replies: 63
Views: 22580

Re: Do Honda Mowers Leave an Un-cut Grass Strip?

I’ve used the HRX217HXA model for the past three years. The dual blade system is excellent for mulching. I’ve mowed up to 7 inch tall grass without any clumping. My grass is mostly tall fescue with some bluegrass. On occasion this mower does leave a 2 inch wide strip but only when I mow very damp gr...
by Higman
Mon Mar 03, 2014 4:49 pm
Forum: Personal Consumer Issues
Topic: Credit card chip upgrade good idea??
Replies: 45
Views: 1825

Re: Credit card chip upgrade good idea??

How much upside depends on whether the new card is "chip+signature" or "chip+pin". Thanks oxothuk. I recently recieved a chip+pin from USAA but only a chip+signature from Citibank. I called Citibank and all they said was there is no pin. I didn't realize there were two types unt...
by Higman
Mon Feb 24, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1436

Re: Attention Apple Users-Possible Security Issues

Install iOS 7.0.6 on the iPhones. This fixes an SSL security issue.
by Higman
Sat Feb 01, 2014 4:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Dollar-Cost Averaging
Replies: 101
Views: 11021

Re: The Final, Definitive Thread on Dollar-Cost Averaging

LOL! So it’s settled then – Value Averaging beats Dollar Cost Averaging! :twisted:
by Higman
Thu Jan 16, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 10884

Re: Biggest regrets in your life in financial investment?

My biggest regret was listening to two talking heads on TV who were timing the market. They, in 1995, said the DJIA of 4,000 was way over-priced. So I got out of the market. Three years later I got back in when the DJIA was over 8,000! Never do market timing nor listen to any “guru”. Pick an AA and ...
by Higman
Sat Jan 04, 2014 4:18 pm
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 8199

Re: King sized mattress recommendation?

Look at this web site. It discusses all aspects of picking a mattress:

http://www.themattressunderground.com/
by Higman
Thu Dec 26, 2013 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Lacking cost basis information of stock
Replies: 5
Views: 371

Re: Lacking cost basis information of stock

The PPL Corporation web site has a link to dividend history that goes back to August 1987. Call their stockholder relations department and they may be able to go back further for you.
by Higman
Fri Dec 20, 2013 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Target Credit/Debit Card Hacks - what to do?
Replies: 94
Views: 9368

Re: Target Credit/Debit Card Hacks - what to do?

I cancelled my CC at Citi Bank last night. They will send me a new one overnight with a different account number. The rep said they would have done this proactively for anyone who had Target charges during the reported dates. It took about 12 minutes on hold to get a rep. I suppose this hack report ...
by Higman
Thu Dec 19, 2013 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice on recent identity theft?
Replies: 13
Views: 941

Re: Any advice on recent identity theft?

Were you a Target customer? They got hacked and 40 million cc and debit card accounts were compromised between Nov. 27th and Dec 15th.

http://www.businessinsider.com/target-i ... z2nxc9rC4g
by Higman
Thu Dec 19, 2013 4:52 pm
Forum: Investing - Theory, News & General
Topic: Fool's Gold
Replies: 69
Views: 4705

Re: Fool's Gold

Larry, A statement in your article brought back memories of my former stock broker especially: “…when prices are low — you would think investors who were buying gold at $1,900 should certainly welcome the opportunity to buy at $1,230 — if you liked it at $1,900, you should love it at $1,230! He woul...
by Higman
Tue Dec 17, 2013 12:05 pm
Forum: Investing - Theory, News & General
Topic: Optimizing Asset Location: Is It Worth the Effort?
Replies: 11
Views: 1236

Re: Optimizing Asset Location: Is It Worth the Effort?

Mike,
Two other potential benefits of keeping stocks in the taxable account over bonds are 1.) greater tax loss harvesting and 2.) greater stepped up tax basis for heirs.
by Higman
Mon Dec 02, 2013 9:28 pm
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 6338

Re: Tactical Flashlight for long walks at night vs. pepper s

I would recommend carrying a Class IIIa green laser pointer. They are the size of a fountain pen. These are used by astronomy buffs to point to stars. There are very powerful and will temporarily blind an assailant and painfully so.
by Higman
Fri Nov 29, 2013 12:27 pm
Forum: Personal Consumer Issues
Topic: What to do about Ivy growing up a tree
Replies: 21
Views: 1378

Re: What to do about Ivy growing up a tree

It may be Kudzu vines. They will eventually smother the trees. Google it and see the damage they can cause. I would cut the vines at ground level and let them rot off the trees.
by Higman
Wed Nov 27, 2013 7:24 pm
Forum: Personal Consumer Issues
Topic: Hypothetical: Vanguard account stolen
Replies: 20
Views: 2340

Re: Hypothetical: Vanguard account stolen

One of the security conditions required by Vanguard is: “Review your accounts regularly. Check your account frequently . Promptly and completely review all information we send you.” Unfortunately they do not specify how frequently. They could indeed deny responsibility if you only log in every six m...
by Higman
Wed Oct 23, 2013 1:54 pm
Forum: Personal Consumer Issues
Topic: Basements part of home square footage?
Replies: 21
Views: 2083

Re: Basements part of home square footage?

In my town the finished part of the basement is included in the total square footage for real estate tax purposes. However, the dimensions of the basement rooms are measured between the interior walls whereas the upper floor is measured from the exterior of the walls. Basically they don’t count the ...
by Higman
Wed Oct 23, 2013 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Attempted Hack on my Vanguard Accounts
Replies: 33
Views: 6687

Re: Attempted Hack on my Vanguard Accounts

Rkhusky – thanks for the tip on flash cookies. I didn’t know anything about their existence. And yes, I see vanguard.com in the list of local shared objects. I would recommend everyone check their systems. I do routinely run Ccleaner and it defaults to cleaning Adobe flash player file. However I did...

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