Search found 1182 matches

by Pacific
Sun Nov 05, 2017 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 53
Views: 3558

Re: Giving up on Quicken? (and expense tracking software altogether)

I've used it for decades as well and plan to continue to use it, although I've never downloaded transactions from financial institutions and I don't understand why anyone would do this. The whole point of reconciling your accounts is to see whether you and the bank agree, and if you download their ...
by Pacific
Mon Oct 30, 2017 5:07 am
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 4774

Re: Interesting twist to "Free 2-day shipping" at Walmart

Since various prices are all FREE, they could give more options: $5.56 for FREE in-store pickup $6.64 for FREE 2-day delivery $12.89 for FREE 1-day delivery $38.89 for FREE 4-hour delivery $298.44 for FREE delivery by zeppelin courier $999.99 for FREE delivery by zeppelin courier with marching band...
by Pacific
Sun Oct 29, 2017 2:46 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3300

Re: Portugal

Having just returned from 3 weeks in Portugal, let me promote that. Planning is easy: AirBnB, TripAdvisor Train travel is inexpensive and pleasant. We did Lisboa, Coimbra, Aveiro, Porto, Lisboa. The people are friendly. Lots of English spoken. Food is good. (I am a foodie.) More than enough to do. ...
by Pacific
Fri Oct 20, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 5324

Re: I have to fire someone that I care about personally

OP, 1) You and your band had decided to kick her out. Your future plan does not include her. 2) If you believe that you can and should smooth her transition to a new work, offer her some form of severance pay. 3) You should include at least one more band member in the meeting. Or else, it may look ...
by Pacific
Sat Oct 14, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3943

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Without question, I would avoid Oahu like the plague. I describe Oahu as the world's most expensive traffic jam. Pearl Harbor is neat, but not worth the hassle of Honolulu traffic. I, too, would opt for the Big Island. Don't even think of including beaches on the Big Island - too much else to do and...
by Pacific
Wed Oct 11, 2017 4:42 am
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2348

Re: Ecuador safe to travel and hike?

"Notice: All visits to Cotopaxi National Park have been suspended until further notice due to Cotopaxi Volcano's high level of volcanic activity. All itineraries that include Cotopaxi will have alternative options."
by Pacific
Tue Sep 26, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4670

Re: Chrome vs Firefox

Just an update.i have formally switched to chrome. Ff was getting pathetically slow and lastpass didn't work well with it. Only problem with chrome is scrolling seems off at times and of i slightly inadvertently touch the screen on a link, it takes action. LOL Great timing. Reminds me of my timing ...
by Pacific
Thu Aug 24, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 100
Views: 8701

Re: Crashplan for Home ending service late 2018

rav2fi wrote:
Tue Aug 22, 2017 10:19 am
I use Backblaze as my backup service. I've been happy with them so far.
Can Backblaze back up to the cloud and locally (external hard drive or flash drive) at the same time?
by Pacific
Tue Aug 22, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2398

Re: Can you recommend a good mouse trap?

There's been a lot of discussion about ticks and mice this year. No doubt it can be a problem in some areas and I'm not trying to minimize tick borne diseases (been there - not fun). I catch mice pretty regularly and have never seen even one tick. So just don't assume that all mice have ticks. My m...
by Pacific
Tue Aug 22, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 19
Views: 2380

Re: Is this an appropriate letter to send a neglectful attorney?

F150HD wrote:
Mon Aug 21, 2017 7:24 pm
file a complaint w/ the local bar assn

Example: http://www.iowabar.org/?page=EthicalProblems
+100
by Pacific
Thu Aug 10, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: How to hide quicken files on laptop
Replies: 8
Views: 1355

Re: How to hide quicken files on laptop

Thank you to everyone for the comments.
by Pacific
Wed Aug 09, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: How to hide quicken files on laptop
Replies: 8
Views: 1355

How to hide quicken files on laptop

Today I had to turn over my windows 10 laptop to remote to have the tech guy fix a problem with CrashPlan (actually, the problem was me in not realizing some of the data I needed was in the hidden folder ProgramData which was NOT backed up, but that's another story). The guy had access to my screen ...
by Pacific
Sun Aug 06, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do I find a competent Estate Attorney?
Replies: 8
Views: 1060

Re: How do I find a competent Estate Attorney?

Slacker wrote:
What methods do you use to find a competent Estate Attorney?
I would just contact bsteiner
by Pacific
Sun Jun 25, 2017 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 58
Views: 5096

Re: Reverse Mortgage Considerations

james22 wrote: The Problems With Reverse Mortgages

https://www.whitecoatinvestor.com/the-p ... mortgages/
Loved the WCI article.
by Pacific
Fri Jun 16, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 9102

Re: Trust Fund Hell

Trust Fund Hell in blue. Boglehead 3-fund in red. The trust fund outperformed the S&P 500 during the time frame that matches your adopted daughter's time window… It could have been worse. http://i.imgur.com/X7aLpgT.png That is pretty neat. The trust funds for the girls all started in 1984. The 17 m...
by Pacific
Fri Jun 16, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 9102

Re: Trust Fund Hell

delamer wrote:What was done with the two previous distributions?
All in Total Stock Market Admiral, Total International Admiral, and Small-Cap Value Admiral (though also had FTSE All-World ex-US Small Cap at one time before sold and added to Total International).
by Pacific
Tue Jun 13, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 9102

Trust Fund Hell

My adopted daughter’s deceased father left her a trust fund which paid out at 25, 30, and 35 years of age. The trustee is her uncle. He is a very nice guy and a tax attorney in New York (unfortunately, however, he is not Bruce Steiner). About 18 years ago I happened to see how the uncle was investin...
by Pacific
Mon Jun 12, 2017 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 7540

Re: Inheriting Quandary

I would wait to see if bsteiner weighs in and then follow his advice.
by Pacific
Mon Jun 12, 2017 2:27 am
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2333

Re: Best way to book multi-city international airfare itinerary?

Dec 28 - Jan 11: Round trip flight Portland to Santiago on AA returning from Santiago to Fayetteville on Jan 11 for about $1600. Both outbound and return segments route through DFW. Basically they are only charging us about $100 extra to add the PDX-DFW segment on the outbound flight and the DFW-XN...
by Pacific
Sun Apr 02, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 8255

Re: Weird house buying experience

If you like the house, negotiate as much as you can and buy it. In the larger scheme of things it's not a lot of money and house you like are not easy to find. If they don't budge on numbers then get other upgrades or landscaping thrown in. Might be easier for builder to do that. We did ask for a c...
by Pacific
Mon Mar 06, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: "How Not to Invest"
Replies: 7
Views: 1934

"How Not to Invest"

James Kwak in his Baseline Scenario has an excellent article entitled “How Not to Invest”. In the Wall Street Journal, Micah Hauptman summarized a recent paper by Michael Cooper, Michael Halling, and Wenhao Yang on mutual fund fees. They find, as did previous research, tremendous differences in pric...
by Pacific
Fri Feb 17, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 3311

Re: Vietnam

I MUCH preferred Saigon to Hanoi. The food was fantastic. I suggest that you open a moped shop while you are there. I agree with the recommendations for the War Remnants Museum, Reunification Palace, and Cu Chi tunnels. The WRM has an entire floor dedicated to the use of napalm and the long-term dev...
by Pacific
Wed Feb 08, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: finding a good estate lawyer (nyc, westchester)?
Replies: 9
Views: 844

Re: finding a good estate lawyer (nyc, westchester)?

JoinToday wrote:If I lived in NY near NYC, I would give Bruce Steiner a call. Posts on this forum (bsteiner). I wished he lived in California


+1 (except for the part about California)
by Pacific
Tue Jan 24, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2983

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing. Could your email account have been compromised? Not to change the topic, but I would have thought you'd have...
by Pacific
Tue Jan 24, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: American Greed new season kicks off on Saturday
Replies: 17
Views: 2659

Re: American Greed new season kicks off on Saturday

John Elway of the Denver Broncos got scammed out of mucho cash from one of these type of scammers. So its good to know very smart people can be scammed too. Never let your guard down. ps! Scammer either committed suicide, or is in prison I can't remember. I'm interested in what makes John Elway a v...
by Pacific
Sat Sep 24, 2016 3:09 am
Forum: Personal Consumer Issues
Topic: Viking cruise in Europe
Replies: 10
Views: 2512

Re: Viking cruise in Europe

We took a river cruise on the Mekong this year with Uniworld - Vietnam and Cambodia. LOVED it. We took a river cruise on the Douro last year with Uniworld - Portugal. LOVED it. Both cruises had the best guides I have ever experienced. Nothing like getting as many Pimms Cups as you desire for free (w...
by Pacific
Wed Sep 21, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Study Abroad program question
Replies: 34
Views: 2453

Re: Study Abroad program question

Valuethinker wrote:There is a foreign language school in Vermont, a friend of mine learned his German there. It was pretty hard core (they chuck you out if they catch you speaking English more than a certain number of times).



Middlebury College
by Pacific
Mon Sep 19, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 8802

Re: Cities like New Orleans?

Crime is very high and very violent, not just pickpockets. 11 % sales tax on everything except food (that's only 4 %) 6 % income tax on almost everything including pensions (but not social security) If you eat that great food it will kill you eventually. Hot sweaty summers +1 Would you enjoy living...
by Pacific
Mon Aug 22, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4492

Re: Favorite Asian Vacation?

1. South Island of New Zealand

2. Bali
by Pacific
Mon Aug 01, 2016 12:18 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 16814

Re: SSA MANDATORY cell phone based multifactor authentication

I don't see how this can stand given the there are those that use web but don't have a cell phone. You don't need a cell phone to get texts, you just need a phone number and and internet connection. You can get a google voice number for free and get texts over the web, or have the texts sent direct...
by Pacific
Tue Jul 12, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 6161

Re: Passwords

Loandapper wrote:Last Pass Premium account. It will change the way you use the internet for the better.


+1
by Pacific
Sun Jul 03, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Hotel in Honolulu?
Replies: 26
Views: 2300

Re: Hotel in Honolulu?

Whoever told you that Waikiki is the place to be is clearly a tourist. Waikiki Beach is probably the worst beach you can visit on the island (crowded and dirty), and the hotels in that area of town are packed together, making it difficult to maneuver yourself out of Waikiki and back in at peak traf...
by Pacific
Sun Jun 26, 2016 7:21 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 12839

Re: BREXIT - Whats the big deal?

Agreed. I don't see how the current value of US stocks decreased by >3% because some people on a small island in the atlantic decided to do something stupid (maybe) over the next two years. IF they don't override it in parliament, stage a re-vote, etc. over the next few months.... As loathe as I am...
by Pacific
Sun Jun 26, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2784

Re: Southeast coast beach cities for raising a family

What exactly do you mean by "progressive"?
by Pacific
Sun Jun 26, 2016 7:06 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 14304

Re: What did you learn from the post-Brexit bloodbath?

The better question is what did George Soros learn from the post-Brexit bloodbath?
by Pacific
Sun Jun 26, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 1274

Re: VG password security (for phoning into rep)

I have the voice verification and it does not seem to work all that well. After repeating their phrase, I get prompted to repeat a different phrase, after the third failure, I get human. Other times it works on the first try. I thought it might be an AT&T' Uverse VOIP problem. I have complained...
by Pacific
Thu Jun 23, 2016 2:43 am
Forum: Personal Consumer Issues
Topic: European Package Tours
Replies: 23
Views: 2038

Re: European Package Tours

We have taken two Uniworld river cruises -- the Douro in Portugal and the Mekong in Vietnam and Cambodia. We prefer the river cruises because smaller groups so you get to know everyone. Both cruises were fantastic and the guides that Uniworld employs are the best I've seen. We are considering severa...
by Pacific
Wed Apr 20, 2016 8:28 pm
Forum: Investing - Theory, News & General
Topic: "Profits in Finance"
Replies: 4
Views: 904

"Profits in Finance"

James Kwak has an interesting article today on his Baseline Scenario discussing why asset-management charges have not gone down amid competition: Why do people pay 86 basis points for a product that is likely to trail the market, when they could pay 5 basis points for one that will track the market ...
by Pacific
Mon Mar 28, 2016 12:08 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 5460

Re: Your fav airline - as far as flying experience?

International = Singapore or Thai
Domestic = Southwest
by Pacific
Fri Feb 05, 2016 4:23 am
Forum: Investing - Theory, News & General
Topic: Take the Verb Tense Pledge!
Replies: 69
Views: 6654

Re: Take the Verb Tense Pledge!

Please, PLEASE, enough. I cannot take this any more. I am laughing so hard my contacts have floated and are continuing to float off my eyeballs.
by Pacific
Mon Jan 25, 2016 6:50 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15799

Re: What is your favorite Financial Quote or Metaphor??

There is more than one road to Dublin. -- Taylor Larimore
by Pacific
Mon Jan 25, 2016 5:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is YDNAL?
Replies: 53
Views: 10245

Re: Where is YDNAL?

Why in the world would Bogleheads have banned sscritic? If one of the purposes of punishment is deterrence, it does not serve its purpose if others are not informed of the reason. He was one of my favorite posters and reminded me of my old criminal law professor (recently deceased) who employed the ...
by Pacific
Sun Jan 24, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2582

Re: New Amazon Prime Member w/streaming - need recs

In my opinion, The Wire is the best series I have ever seen on TV (Breaking Bad is second). But, I advise watching it with english subtitles because it is difficult to understand the street talk. (Heck, difficult to understand even with the subtitles!).
by Pacific
Fri Dec 04, 2015 6:15 am
Forum: Personal Consumer Issues
Topic: Dog house
Replies: 23
Views: 1854

Re: Dog house

I clicked on this to see what bad thing you had done to your wife!
by Pacific
Fri Dec 04, 2015 6:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 140597

Re: Vanguard Tax Dodge Case

If Congress bails out Vanguard with either of those moves, it could add a requirement that Vanguard disclose how much it pays its executives and money managers, perhaps all those making $1 million or more. “Nobody has any idea what anyone at Vanguard makes,” Sorenson says. “They can pay themselves ...
by Pacific
Thu Nov 12, 2015 4:21 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 4516

Re: Costco Travel....anyone used them?

Earlier this year a friend suggested that I use it for rental cars. I found that 85% of the time Costco's rental car rate is less than Hotwire's. I now find Costco and Hotwire are the cheapest rates. Also, we booked a river cruise on the Douro River in Portugal through Uniworld. One of the couples o...