Search found 74 matches

by TerryDMillerMBA
Wed Feb 22, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5150

Re: Do you replace your electrical switches/outlets or use an electrician?

Shut the power off at the breaker box and go for it. Replacing a switch or outlet is easy. You can do it. 1. Shut off the power to the circuit you are working on. 2. Put a note on the breaker box that warns others. 3. Re-check steps one and two! 4. Do your work. 5. Turn power back on. 6. Smile and ...
by TerryDMillerMBA
Mon Feb 13, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2255

Re: PC power-up failure

I'm leaning towards getting a power supply and swapping it in. Microcenter allows returns. Am I right that any ATX form-factor of the correct power and up should work? The old PS had model number R33567, which I gather is 240W. I will also verify the number and type of connectors when I get home to...
by TerryDMillerMBA
Thu Feb 02, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Computer for elder novice
Replies: 36
Views: 1211

Re: Computer for elder novice

cheese_breath wrote:It's been said in many other threads... Chromebook. Great for the simple tasks like that.


Chromebook is perfect.
by TerryDMillerMBA
Thu Feb 02, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Computer for elder novice
Replies: 36
Views: 1211

Re: Computer for elder novice

You are going to get a LOT of responses. I am going to preface mine with my background: former software engineer, programmed both major formats (Windows and Mac), and used both. As far as BASIC usage, it DOESN'T MATTER. Of course, they will say it does. It doesn't; especially at the level of usage y...
by TerryDMillerMBA
Tue Jan 10, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: How to buy things from China?
Replies: 6
Views: 803

Re: How to buy things from China?

Aliexpress.com I have never had a real problem. The only problem, if you can call it that, is that some of the vendors don't have someone on staff who translates into English very well, and you have some broken English in the descriptions. 99.999% of the time, that doesn't bother me, because I know ...
by TerryDMillerMBA
Fri Dec 30, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Convert to LLC in the middle of 2017?
Replies: 19
Views: 1274

Re: Convert to LLC in the middle of 2017?

...I want to make an informed decision. My professional opinion = don't do it. :| The mid-year election is something I didn't do myself, and ALWAYS counsel against, unless there is some specific, urgent need that only can be met this way. Taxing the LLC as a C-Corporation may be killing a gnat with...
by TerryDMillerMBA
Sun Dec 18, 2016 1:28 am
Forum: Personal Consumer Issues
Topic: Please critique my plan to move to AT&T Tracfone
Replies: 8
Views: 970

Re: Please critique my plan to move to AT&T Tracfone

Tracfone. I have NEVER had a problem with them in two years so far. I have intermittent needs for phone, text, and non-free-Wifi usage, and the pay-as-you-go model fits me perfectly. I built up service time to the point where I can not buy any min/texts/data for about a year and my phone would still...
by TerryDMillerMBA
Sun Nov 20, 2016 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need help selecting 401k funds at new job
Replies: 3
Views: 276

Re: Need help selecting 401k funds at new job

Fidelity® 500 Index Fund - Premium Class (FUSVX) 0.05%
Fidelity® U.S. Bond Index Fund - Premium Class (FSITX) 0.05%

For a two-fund portfolio, those would be my choices if I were in this position.
by TerryDMillerMBA
Tue Jul 26, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 61
Views: 9355

Re: What really happens to people who run out of their money in retirement

If you are still able to live alone, you move into senior citizen subsidized housing. Your rent is capped at 1/3 of your income and includes utilities. You sign up for Medicare "extra help" and PACE which takes care of your medical costs. You sign up for free or reduced cost meal delivery...
by TerryDMillerMBA
Wed Apr 27, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Wire transfer issue
Replies: 11
Views: 1079

Re: Wire transfer issue

There is a risk of not receiving it. They possibly can straighten it out without that info. From Investopedia: Because the CHIPS UID number can be used by the clearing system to look up the needed banking information of a payment's recipient (e.g. routing number and account number), payment orders c...
by TerryDMillerMBA
Wed Apr 27, 2016 3:33 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on how to break into a new field.
Replies: 6
Views: 807

Re: Need advice on how to break into a new field.

Econ-pre-law is not strange to me. It may be because of my background, but I have run across all kinds. But I definitely feel for you in your career aspiration frustration. But don't despair. You will become a Chartered Financial Analyst. EDIT: And I simply have to comment on your situation with try...
by TerryDMillerMBA
Wed Apr 27, 2016 2:21 am
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 53
Views: 5882

Re: What to tell your child about Bill for tax preparation

Once I read that he used your accountant, I immediately thought that he probably uses/used your attorney(s). "Not that there's anything [inherently] wrong with that," but the pattern may need to be broken, putting my conjecture with other comments above mine.
by TerryDMillerMBA
Tue Apr 26, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 2462

Re: Holes in the heels of black dress socks

Definitely get more pairs in the rotation to spread the wear out.
by TerryDMillerMBA
Tue Apr 26, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 2462

Re: Holes in the heels of black dress socks

joe8d wrote:Trim your toenails.


Holes in his HEELS.

Image
by TerryDMillerMBA
Sun Apr 10, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: An Update on my condition - dementia is not fun
Replies: 19
Views: 5441

Re: An Update on my condition - dementia is not fun

I just had an uncle die that I helped take care of (a little more than 24 hours ago), and one of his conditions was dementia, in addition to his schizophrenia, diabetic/pancreatic issues, etc. He didn't have the income to hire someone, so my mother and I assisted him for ten years. He was my and my ...
by TerryDMillerMBA
Wed Mar 30, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How to claim lottery winnings anonymously using trust?
Replies: 6
Views: 3106

Re: How to claim lottery winnings anonymously using trust?

Certain states allow an anonymous claiming of lottery winnings through a trust. Mine (Ohio) does There are only a few.

http://budgeting.thenest.com/claim-lott ... 31858.html
by TerryDMillerMBA
Sun Mar 20, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Setting up an LLC for a small business
Replies: 29
Views: 2665

Re: Setting up an LLC for a small business

StevieG72 wrote:I would go with the CPA, one stop shopping to set up LLC, handle payroll tasks, and take care of taxes. This is easy stuff for a CPA...


Bingo.
by TerryDMillerMBA
Fri Mar 11, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585874

Re: What Book Are You Currently Reading? Part VI

"Orphan X" by Gregg Hurwitz

It is very engaging. The surface level assessment of the title character registers as all-too-familiar, but Hurwitz achieves some refreshing character development with his main protagonist.
by TerryDMillerMBA
Wed Feb 24, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Accounts
Replies: 66
Views: 6082

Re: Bank Accounts

I always say to have as many checking and savings accounts as you need to keep things in their proper places. I personally have had as many as seven, and currently only have one.
by TerryDMillerMBA
Sun Feb 21, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Cell phone question
Replies: 23
Views: 2170

Re: Cell phone question

500MB for such light usage sounds great. You will have a very good idea of your needs after that first month.
by TerryDMillerMBA
Mon Jan 18, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 4977

Re: Where to find a business to purchase?

No matter what route you go with, always do DUE DILIGENCE. Even if you were to hire a consultant to look into these things for you, you still would be forewarned to do some "homework" yourself.
by TerryDMillerMBA
Thu Sep 17, 2015 5:33 am
Forum: Personal Consumer Issues
Topic: What is the best way to purchase Iphone?
Replies: 37
Views: 5870

Re: What is the best way to purchase Iphone?

babington wrote:1. Buy it outright but without Apple's financing.
2. Self-insure by putting $20/month in the bank for the rest of your life. It's free.
3. Sign up for PagePlus and pay $30/month with access to the Verizon network, no contract and no Verizon b.s.


This is Boglehead philosophy in action.

:sharebeer
by TerryDMillerMBA
Sun Aug 30, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Writing an effective customer complaint.
Replies: 5
Views: 449

Re: Writing an effective customer complaint.

"Just the facts, ma'am."--Joe Friday, Dragnet.

Concentrate on the facts first and foremost, then end with how it made you feel.

Also, I have had success with sending the complaint to the highest person in the company you can get correct contact information for.
by TerryDMillerMBA
Sat Aug 22, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Online clothing shopping?
Replies: 16
Views: 1777

Re: Online clothing shopping?

Zappos.com (join VIP)

I have used a few other places that have been mentioned, but Zappos is hands-down the best experience.
by TerryDMillerMBA
Tue Jul 21, 2015 5:47 am
Forum: Personal Consumer Issues
Topic: lock for $500 bike
Replies: 27
Views: 3086

Re: lock for $500 bike

You will never stop a true professional 100% of the time. They will bring the tools and talent to get what they want most of the time. (This axiom goes for home security, computer security, etc.) You want to always discourage the amateurs and lower professionals, though. The U-bolt style is far supe...
by TerryDMillerMBA
Wed Jun 17, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2424
Views: 613664

Re: What Movie Have You Recently Watched?

abuss368 wrote:
Was it good?


It was VERY good. It is very far from stale. You would think that there are only so many humorous and/or insightful things to explore season after season, but the writing is still hitting home runs. The expository flashbacks are becoming my favorite parts of the episodes.
by TerryDMillerMBA
Tue Jun 16, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2424
Views: 613664

Re: What Movie Have You Recently Watched?

abuss368 wrote:The latest season for "Orange in the New Black" has been released on Netflix.


And was devoured between Saturday and Sunday. :happy
by TerryDMillerMBA
Fri Jun 12, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Small Business Financing
Replies: 15
Views: 1733

Re: Small Business Financing

I would consider EBITDA to be the combination of owners W2 salary plus S Corp income ... I'm not an accountant or expert in this so I'm very possibly mistaken, but In my own business I did not think of my salary as return on capital, I thought of it as a business expense associated with doing my jo...
by TerryDMillerMBA
Fri Jun 12, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Time Management
Replies: 14
Views: 3299

Re: Time Management

"The 7 habits of highly effective people" helps puts various priorities in perspective but I'm not sure if it will help someone with ADD.....worth reading to see if it will help in my nonprofessional opinion in this area. I have some type of ADD (there are several types. Also, not to be c...
by TerryDMillerMBA
Fri Jun 12, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585874

Re: What Book Are You Currently Reading? Part VI

I am currently listening to "Poison Pill" by Glenn Kaplan.
by TerryDMillerMBA
Fri May 29, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 41
Views: 5761

Re: Do-it-yourself handy person: How did you learn?

I started out very un-handy. Ever since about 1991 I have been growing in knowledge. Invariably, my friends are all people who are more mechanically inclined than I am (I am a computer/biz/math/music person = everything but!), and I pick up more and more things as I combat my fear. One friend instil...
by TerryDMillerMBA
Thu May 14, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 4210

Re: Is the Post Office slowing down first class parcel delivery?

I haven't sold much in the last twelve months online, but I have bought quite a bit. From what I have experienced, they are pushing Priority. In their defense, it is a pretty good deal for many situations. Now, as far as being on the receiving end of eBayers/Amazonians/et al, the USPS bends over bac...
by TerryDMillerMBA
Fri Apr 24, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Cocktail Hobby
Replies: 11
Views: 2556

Re: Cocktail Hobby

I have some interest in it. I made the mistake of not writing down/firmly committing to memory several dozen of the cocktails I invented. but do remember some. Here is one: The Potion Use the liquors from a Long Island. But hold off on that cola! Use equal parts orange juice and Red Bull (or similar...
by TerryDMillerMBA
Sun Apr 12, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 9191

Re: how to deal with it [regret over past investing choices]

"Yesterday is history, tomorrow is a mystery."
by TerryDMillerMBA
Sun Apr 05, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: website hosting
Replies: 9
Views: 1476

Re: website hosting

I have used GoDaddy for about six years, as a developer, and for my personal hosting needs.
by TerryDMillerMBA
Mon Mar 09, 2015 5:16 am
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 7048

Re: Best Classical Music Box Sets?

I have been doing this for other genres, and it works great. Boglehead-friendly. I use Pandora, or some other similar website/app. I pick some known artist (Beethoven, Bach, etc.), create a station, and it will then help me to "discover" other artists that I like as I listen. Or even songs...
by TerryDMillerMBA
Fri Dec 12, 2014 5:15 am
Forum: Personal Consumer Issues
Topic: Starting a Start up finally- Need help with banking
Replies: 10
Views: 2218

Re: Starting a Start up finally- Need help with banking

(Would would I negate the legal benefits of llc when I use a personal cc?) I haven't seen any case law on this lately, to be honest. If I were the judge, I would see what you were trying to do, and rule in your favor. I have personally used personal cards and reimbursed the loans from business proc...
by TerryDMillerMBA
Fri Dec 12, 2014 5:02 am
Forum: Personal Consumer Issues
Topic: Starting a Start up finally- Need help with banking
Replies: 10
Views: 2218

Re: Starting a Start up finally- Need help with banking

This is right in my wheelhouse of both professional as well as personal experience. I cosign the replies encouraging you to have separate accounts. In addition to the aforementioned reasons, additionally you would be helping to erode the limited liability you paid your state fee for if you comingle ...
by TerryDMillerMBA
Wed Dec 10, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 14541

Re: What is the best meal you've had at a restaurant?

One meal that immediately comes to mind was my first experience with walleye. I am from Northeast Ohio, and thus know about the frenzy that this fish causes. I simply had to find out why some people were willing to risk fines and/or jail time over a fish (wildlife violations, etc.). It was a borderl...
by TerryDMillerMBA
Tue Nov 25, 2014 6:12 am
Forum: Personal Consumer Issues
Topic: Storing/Organizing Memory Sticks
Replies: 25
Views: 2199

Re: Storing/Organizing Memory Sticks

As to your original query, they sell several kinds of three-hole-punched pouches. The most Boglehead one is at your big box office supply store, and the most convenient is probably at the closest drugstore with office supplies. Several clear zippered pouches seem to be what you are after.
by TerryDMillerMBA
Thu Oct 24, 2013 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How did you start up your small business?
Replies: 20
Views: 3078

Re: How did you start up your small business?

Every time a client of mine (I am a business consultant) mentions the word franchise, I make sure they realize it is not always an instant cash cow. There are many horror stories out there along with the huge successes.
by TerryDMillerMBA
Thu Jul 18, 2013 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Keep going with MBA (1/3 done)
Replies: 29
Views: 2497

Re: Keep going with MBA (1/3 done)

The school is AACSB certified but not a common known or ivy league but my undergrad was from the University of Michigan which is a top school especially locally. This MBA probably won't do much for you. An MBA from Joe Random University is far less prestigious than an undergrad degree from U.Michig...
by TerryDMillerMBA
Sun Jun 16, 2013 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 7562

Re: Poll: How much cash do you carry?

There are a few places I know of in NYC with a minimum...isn't this against the credit card company regulations? I didn't think they were supposed to do this, but never had the impulse to say anything It used to be illegal, but the last major credit card legislation allows businesses to have minimu...
by TerryDMillerMBA
Fri Jun 14, 2013 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Determining annual return
Replies: 3
Views: 394

Re: Determining annual return

I know your question is about the annual return. Yes, it is somewhere in the neighborhood of what you are talking about. This SCREAMS that it is some type of con/scam. At a MINIMUM, the person presenting this to you is greatly minimizing the level of risk of the venture. Returns of that level don't ...
by TerryDMillerMBA
Thu Jun 13, 2013 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: How much cash do you carry?
Replies: 103
Views: 7562

Re: Poll: How much cash do you carry?

One of my Big Complaint with ATMs and cash is the freaking ABSENCE of fifty dollar bills. This is a separate topic so don't get me started... I remember when we finally got to the point where they phased out $5 minimum withdrawals. There was one bank ATM that still had $5, and I would hit that. The...
by TerryDMillerMBA
Mon Jun 10, 2013 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Advice & Input
Replies: 4
Views: 639

Re: New Investor Advice & Input

1) The corporation requires more paperwork, and, depending on where you are located, may require an increase in fees to stay active as a business entity in your state. 2) through 5) When I had a question posed like this, I thought this was the best presentation on the SEP vs. individual 401K situati...
by TerryDMillerMBA
Sat May 25, 2013 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Role of a Notary
Replies: 10
Views: 1474

Re: Role of a Notary

"although they do have the right to refuse to notarize if they feel there is a fraud of some sort being committed." And how could they, in good conscience, say that they were satisfied that there is no element of fraud occurring when they can't read the foreign language of the document? E...
by TerryDMillerMBA
Fri May 24, 2013 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Role of a Notary
Replies: 10
Views: 1474

Re: Role of a Notary

"although they do have the right to refuse to notarize if they feel there is a fraud of some sort being committed." And how could they, in good conscience, say that they were satisfied that there is no element of fraud occurring when they can't read the foreign language of the document? ED...

Go to advanced search