Search found 592 matches

by RooseveltG
Sat Apr 23, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: UTMA, Florida: Custodian In Control Past Termination Date?
Replies: 34
Views: 1046

Re: UTMA, Florida: Custodian In Control Past Termination Date?

If a 26 year old knows about the account, wants his parents to manage the funds, is free to withdraw money and pays taxes on the income (his tax ID number), does the UTMA need to be officially terminated?

Thanks in advance.

Roosevelt.
by RooseveltG
Sun Apr 17, 2016 8:38 am
Forum: Investing - Theory, News & General
Topic: A look at private equity, the research, and a better benchmark
Replies: 10
Views: 1001

Re: A look at private equity, the research, and a better benchmark

Larry:

Thanks as usual for your sage advice.

Roosevelt.
by RooseveltG
Sun Apr 17, 2016 6:48 am
Forum: Investing - Theory, News & General
Topic: A look at private equity, the research, and a better benchmark
Replies: 10
Views: 1001

Re: A look at private equity, the research, and a better benchmark

Larry: How would you categorize (inherited) illiquid fractional ownership in a small private company in a portfolio? Would it be small cap value or a unique asset class? Also, would you reduce your equity allocation (the "Larry Portfolio") because of this higher risk? Thanks in advance. Ro...
by RooseveltG
Mon Mar 14, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Best Mailing List Platform/Software 2016?
Replies: 1
Views: 175

Best Mailing List Platform/Software 2016?

I am trying to set up a mailing list for 20 people in my condo that would function like Bogleheads, except that each person would receive an email when a question is asked or answered.

Any suggestions or guidance would be greatly appreciated.

Roosevelt.
by RooseveltG
Mon Mar 07, 2016 8:31 am
Forum: Personal Consumer Issues
Topic: Amazon Echo: Worth It?
Replies: 4
Views: 942

Re: Amazon Echo: Worth It?

That discussion was from 11/14. The software has been updated and those comments are no longer valid.

Roosevelt.
by RooseveltG
Mon Mar 07, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Amazon Echo: Worth It?
Replies: 4
Views: 942

Amazon Echo: Worth It?

Anyone using the Amazon Echo voice assistant? Reviews suggest it works well but a friend returned his and said it was not ready for prime time. What has been your experience?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Feb 10, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 19
Views: 2297

Re: Nest Thermostat: Worth it

Thanks for the replies.

The title of the post should have a question mark!

Roosevelt.
by RooseveltG
Mon Feb 08, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 19
Views: 2297

Nest Thermostat: Worth it

Most of the prior posts on the Nest are 2 years old. Since that time, the Nest 3 is out and the software has been updated. We live in a condo and manually change the temperature when we wake up and go to sleep. I like the aesthetics of the Nest but am wondering about functionality of the latest hard...
by RooseveltG
Sun Feb 07, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: Adult Coloring Books
Replies: 16
Views: 2038

Adult Coloring Books

There have been several recent articles about the popularity of adult coloring books. They apparently reduce stress and are now best sellers on Amazon.

Does anyone have experience with these? Do they reduce stress and productively fill your time?

Thanks in advance.

Roosevelt.
by RooseveltG
Sun Feb 07, 2016 8:01 am
Forum: Investing - Theory, News & General
Topic: Hold International Funds in Roth IRA or Taxable Account?
Replies: 12
Views: 955

Re: Hold International Funds in Roth IRA or Taxable Account?

The taxes would be in the highest bracket.

I was also told that a tax credit rather than a deduction is usually taken.

Roosevelt.
by RooseveltG
Sun Feb 07, 2016 7:22 am
Forum: Investing - Theory, News & General
Topic: Hold International Funds in Roth IRA or Taxable Account?
Replies: 12
Views: 955

Hold International Funds in Roth IRA or Taxable Account?

Is is more advantageous to hold international funds in a taxable account or a Roth IRA? Foreign taxes paid are deductible in the taxable account but dividends and capital gains are taxed. The Roth IRA is tax free but foreign taxes paid are not deductible. Which location is best? Thanks in advance. R...
by RooseveltG
Wed Nov 18, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2016 For Mac: A Solution for Mac Users?
Replies: 5
Views: 969

Quicken 2016 For Mac: A Solution for Mac Users?

Will Quicken 2016 for Mac finally provide a Mac alternative that will import data from the Windows version, pay bills online and avoid the need for Parallels or VM Fusion to run a virtual machine?

Any feedback would be appreciated.

Roosevelt.
by RooseveltG
Thu Sep 17, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Best Strategy to buy the condo next door
Replies: 12
Views: 1826

Re: Best Strategy to buy the condo next door

Good advice and much appreciated. Thanks.

Roosevelt.
by RooseveltG
Tue Sep 15, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Strategy to buy the condo next door
Replies: 12
Views: 1826

Best Strategy to buy the condo next door

We want to purchase the small condo adjacent to the one we now own. We are trying to determine the best strategy for broaching the topic to the current owners. The realtor for the building advised us to wait until the condo comes on the market. She claims the owners will increase the price if they f...
by RooseveltG
Sat Aug 22, 2015 6:50 am
Forum: Personal Finance (Not Investing)
Topic: What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]
Replies: 105
Views: 13022

What is Your Plan B if Quicken dies? [Intuit selling Quicken unit]

The future of Quicken is uncertain now that it is being spun off by Intuit. Is there really a viable web based alternative with staying power that matches Quicken's ability to manage investing and checking?

If Quicken's days are numbered, do you have a Plan B?

Thanks in advance.

Roosevelt.
by RooseveltG
Fri Aug 21, 2015 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
Replies: 7
Views: 1019

Re: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?

I had problems getting Parallels 11 to work but there are downsides to using a second operating system: 1. Cost: you need Parallels, Windows and Quicken. 2. You need a larger hard drive and more processing power. 3. Inconvenience of launching Parallels and waiting for windows to load. 4. More techni...
by RooseveltG
Thu Aug 20, 2015 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
Replies: 7
Views: 1019

Switch from Quicken (Windows) to iBank5/Moneydance on Mac?

I am a long time Quicken user currently running Parallels 11 on a Mac. I use Quicken 2014 primarily for investment tracking and bill payments.

I would like to hear if others have switched to iBank or Moneydance and what their experience has been.

Thanks in advance.

Roosevelt.
by RooseveltG
Tue Jul 07, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 13
Views: 8503

Re: Anybody here own an Endless Pool?

Our condo has an Endless Pool. I found it to be very monotonous compared to lap swimming. You also cannot vary your speed without stopping and adjusting the flow. I oversaw the installation and tested it beforehand but never use it. The older women like it because they can move around and perform mi...
by RooseveltG
Thu Jun 25, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1220

Best Educational iPad Apps for Adults?

Any suggestions for excellent ipad apps for adults? My interests are varied and include art, music, literature, history, science, etc.

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Jun 17, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 11648

Re: Best "All Around Lens" for Nikon DSLRs?

As the OP, I am considering both options (single lens vs lighter zoom).

If you carry one lens (and I am getting lazier as I get older), is there much "practical" difference between a 35mm lens at f/1.8G vs 1.4G? The price doubles for the faster lens.

Thanks.

Roosevelt.
by RooseveltG
Wed Jun 17, 2015 6:20 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 11648

Re: Best "All Around Lens" for Nikon DSLRs?

Thanks for all the info.

If you are only carrying 1 lens, is there much difference between a 35mm and 50mm lens (assuming they are equally fast)? Which one is better for multipurpose use?

Roosevelt.
by RooseveltG
Tue Jun 16, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 11648

Re: Best "All Around Lens" for Nikon DSLRs?

The price is not an issue. My daughter wants to give me her old Nikon 18-200 VR. It is a good lens but is very heavy. I have read about the Nikon 55-200 VR as a good alternative. It is lighter but I am not sure how useful the 55mm range is.

Thanks.

Roosevelt.
by RooseveltG
Tue Jun 16, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Best "All Around Lens" for Nikon DSLRs?
Replies: 105
Views: 11648

Best "All Around Lens" for Nikon DSLRs?

I have a Nikon D5100 camera with a 35 mm lens. I would like to travel with a single zoom lens (leaving the 35 mm behind) that would work in most situations and is not too heavy. Any recommendations for those of us who like to just point and shoot?

Thanks in advance.

Roosevelt.
by RooseveltG
Sat Jun 06, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: New 12" Macbook: Which one to buy?
Replies: 10
Views: 3885

Re: New 12" Macbook: Which one to buy?

Thanks, but I am actually asking about which model of the new Macbook with 12 inch display was selected.
by RooseveltG
Sat Jun 06, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: New 12" Macbook: Which one to buy?
Replies: 10
Views: 3885

New 12" Macbook: Which one to buy?

For those of you who own the new Macbook, which one did you buy?

Is the base model with the 1.1 Ghz processor fast enough for web browsing, email and watching videos? Is the speed bump for the 1.2 or 1.3 Ghz actually visible with normal usage (vs. video editing, etc)?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Jun 03, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 5204

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

The new 12" Macbook is hard to come by.
Mac Airs are not.

Roosevelt.
by RooseveltG
Wed Jun 03, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 5204

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

And while I am at it!

Has anyone out there with my needs opted for the new Macbook and what are your thoughts?

Roosevelt.
by RooseveltG
Wed Jun 03, 2015 7:03 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 5204

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

An additional question would be, is an Intel 6000 Graphics processor noticeably faster than the older 5000?

Thanks.

Roosevelt.
by RooseveltG
Wed Jun 03, 2015 6:45 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 5204

Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

I am in the market for a used Macbook 11 Air for travel (writing documents, using the web and answering email). (I considered the new Macbook but it is pricey, hard to come by and probably overkill for me). In the refurbished market, Airs are available with 4/8 GB RAM and Intel HD 5000/6000 Graphics...
by RooseveltG
Fri May 29, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: How to Price Used Furniture & Art?
Replies: 7
Views: 1137

How to Price Used Furniture & Art?

We just sold our condo and the buyer is interested in purchasing selected furniture and art. Are there any guidelines for pricing? We have thought of purchase price (in real dollars taking inflation into account) and discounting that number by 60%. Any precedents, thoughts or suggestions would be gr...
by RooseveltG
Sun May 17, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 1671

Re: Flood Insurance for Florida Condo High Rise?

Thanks for all the responses. I believe the recommended insurance is for individual unit owners.

I imagine the cost will be low so I will check into it.

Roosevelt.
by RooseveltG
Sat May 16, 2015 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 1671

Flood Insurance for Florida Condo High Rise?

We live on the 5th floor of a Florida condo. The board recently recommended flood insurance for all units. If the water ever reaches our floor, the state of Florida will cease to exist. (Our car is parked on the ground floor and is covered for flood damage under the auto policy). Does flood insuranc...
by RooseveltG
Wed Apr 15, 2015 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 7680

Re: Talking to People About Retirement

Just tell people, "it's time." When I first retired, I was very self conscious when I would see colleagues who were still working. That feeling fades gradually over time and now I accept that retirement is my job! I also tell people that I "work," but just don't get paid for it. ...
by RooseveltG
Mon Apr 13, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 9331

Re: Password manager recommendations?

I use 1Password because it allows multiple "vaults." The "primary" vault holds my passwords, logins, etc. and the secondary one holds my wife's passwords. It is set up in reverse order on her computer and we both use the same long password to log into the program. When I am no lo...
by RooseveltG
Tue Mar 10, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 5557

Re: Best Classical Music Box Sets?

Great suggestions. The biggest problem is that once you have a sampler set, other box sets tend to overlap. While I understand the advantage of hearing different interpretations, for those of us just trying to expand our musical knowledge base the choice of which box to buy next is a challenging one...
by RooseveltG
Mon Mar 09, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 5557

Re: Best Classical Music Box Sets?

Thanks for the replies.

I use Spotify but find it cumbersome (and dangerous) to use in my car through bluetooth. It is far easier to load music on to an iPod and then select tracks through the central display.

Roosevelt.
by RooseveltG
Sun Mar 08, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 5557

Best Classical Music Box Sets?

I am a newbie to classical music and purchased the RCA Living Stereo Collection 1 last summer. RCA has a Collection 2 and there are also collections from Mercury, Decca, etc. Many of these collections overlap and I am looking for the best collections to complement what I already have. Any suggestion...
by RooseveltG
Sun Mar 08, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 3748

Re: Evernote Premium Worth It?

Thanks for the replies. You can backup Evernote through the Evernote app on the Mac. I don't think there is a way to automate the process so it needs to be performed manually on some type of schedule. You could lose notes added since your last backup. Is Microsoft OneNote a viable option? Roosevelt.
by RooseveltG
Thu Mar 05, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 3748

Evernote Premium Worth It?

I have used Evernote for several years. Unlike Dropbox, you cannot lock it on your phone unless you upgrade to Premium. There are other advantages (more storage, PDF editing, etc.). If any of you have upgraded, I would be interested in your thoughts.

Thanks in advance. Roosevelt.
by RooseveltG
Sun Mar 01, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to Choose a Realtor to Sell Condo
Replies: 5
Views: 496

How to Choose a Realtor to Sell Condo

Any suggestions on how to choose a realtor to sell a condo?

Thanks in advance for any general advice.

Roosevelt.
by RooseveltG
Mon Feb 16, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 1347

Re: Best Condo Sell Strategy?

You are correct, I meant 110% of market price. (Not very Boglehead like of me to miss that).

Thanks.

Roosevelt.
by RooseveltG
Mon Feb 16, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 1347

Best Condo Sell Strategy?

My wife and I are considering selling our rust belt city condo in the next few years. Our local market has always been soft with minimal appreciation (no boom, no bust). Although we are in no hurry, we are considering putting the condo on the market for 10% of probable market value, soft pedaling th...
by RooseveltG
Sun Feb 08, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 7684

Re: Worth Upgrading to LED Lighting?

I have only a few weeks of experience with LEDs so I cannot assess the reduction in my electric bills yet. Our kitchen is on the brown side and the LEDs seem warmer there than in other locations. I placed a 50 Watt equivalent LED in my study and at first the lighting seemed harsh. I am now used to i...
by RooseveltG
Sun Feb 08, 2015 7:02 am
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3870

iPhone 6 Plus: Too large or Do You Get Used to It?

I currently use an iPhone 5 and an iPad Mini for travel. I also find there are times where I am stuck in traffic, lines, appointments, etc. where it would be nice to read something larger than my iPhone (without also carrying the iPad). What are your experiences with the larger iPhone 6 Plus? Too la...
by RooseveltG
Sun Feb 08, 2015 6:56 am
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 7684

Worth Upgrading to LED Lighting?

When does the cost of replacing working lights with LED lighting make sense? I have used them in our high traffic areas (kitchen, hallway, master bathroom) but not in all locations.

Any thoughts on this would be appreciated. Thanks in advance.

Roosevelt.
by RooseveltG
Tue Dec 30, 2014 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Tax Advice - Will retire and be a Florida resident for 2 yrs
Replies: 10
Views: 1318

Re: Tax Advice - Will retire and be a Florida resident for 2

Two more pearls based on hard learned experience:

1. Obtain a "Declaration of Domicile" from your county office in FL.

2. Make certain you give up your Homestead Exemption in the state you move from the year you declare residency in Florida.

Roosevelt.
by RooseveltG
Thu Dec 18, 2014 7:49 am
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 12983

Re: Odds of portfolio survival = 90%; odds of my survival =

I would highly recommend the book "Being Mortal: Medicine and What Matters in the End," by Atal Gawande to better understand end of life issues. Gawande explains that the primary goal of hospice/palliative care is to maintain quality of life, even if the level of care results in a shorter ...
by RooseveltG
Fri Dec 12, 2014 6:51 am
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 2702

Re: A Visit to Pittsburgh

I have given many informal tours of Pittsburgh. A few thoughts: 1. One of the coolest areas is the Strip District, which is filled with food shops, restaurants, sports paraphernalia, etc. 2. Downtown is filled with many architectural gems from turn of the century buildings to PPG Place, which was de...
by RooseveltG
Mon Oct 27, 2014 7:03 am
Forum: Personal Consumer Issues
Topic: Phone Settings for AT&T International Travel Plans?
Replies: 2
Views: 563

Phone Settings for AT&T International Travel Plans?

AT&T now has international travel plans that include unlimited texting, small amounts of data download and phone calls for a cost (depending on the price of the plan). Phone call costs range from 35 cents to a dollar a minute. I will be carrying an iphone 5. Can someone clarify the phone setting...

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