Search found 489 matches

by denismurf
Tue Jan 05, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: New bidding rules at Zions
Replies: 1
Views: 358

New bidding rules at Zions

I have been buying muni bonds at Zions Direct auctions for about 10 years, with stable rules. This week, a big rule suddenly changed with no notice, at least no notice that I saw. Let's say you see a list of 10 bond lots in auctions that close in a week, so you make a note to revisit the auction on ...
by denismurf
Tue Jan 05, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

Here's a vote for Ex Machina, even though I thought it was disturbing at the end. The older I get, the less I enjoy entertainment that's disturbing.

There were elements of A.I., Frankenstein, and even Stepford Wives. Maybe. A friend says I take things too seriously.
by denismurf
Thu Dec 31, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 7971

Re: How to learn a second language

If you are young enough and in good physical shape and want to do something for both yourself and your country, visit a military recruiter and wangle an assignment to the Defense Language Institute in Monterey, CA. If there is a better language school anywhere, I'm not aware of it. I learned Serbian...
by denismurf
Fri Dec 18, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

Spotlight. Very good. Will appeal to all secular logical thinkers. This was a gut-wrencher for me, an ex-Catholic who also spent quite a lot of time in Boston as an adult in the 80's.The acting is spectacular and the film very well done. I cried with the victims and shared their rage at the system ...
by denismurf
Sun Dec 06, 2015 2:32 am
Forum: Investing - Theory, News & General
Topic: Historically, was gold's "value" simply that it was a convenient, yet hard to counterfeit symbol?
Replies: 70
Views: 3542

Re: Historically, was gold's "value" simply that it was a convenient, yet hard to counterfeit symbol?

Recently I've been getting emails touting something called the Casey Report warning us about the coming War On Cash. They'll rush it to you for free, plus $4.95 shipping. Among other things, it describes the 3 actions we must take NOW to avoid total destruction of our wealth. Sorry; no further detai...
by denismurf
Mon Nov 30, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: When to take RMD - verification
Replies: 26
Views: 2115

Re: When to take RMD - verification

"Consult your tax advisor" is advice frequently given. As written , the advice seems to assume that the reader retains a permanent tax advisor, like "consult your pastor" about a spiritual question. I do not retain a tax advisor and wonder how many Bogleheads do. Also, I've learn...
by denismurf
Mon Nov 30, 2015 1:34 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

I'm considering The Good Dinosaur as something an adult might like.

Anybody see it?
by denismurf
Wed Oct 28, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Resources for teaching football to kids (books, classes, equip., etc.)
Replies: 11
Views: 572

Re: Resources for teaching football to kids (books, classes, equip., etc.)

Unless my information is out of date, full contact in the Seattle area starts at age 8. It's weight controlled, though, so, for example, an exceptionally big 8-year-old will play against older kids. Much depends on the coach. What you can do yourself is keep your kids in good physical shape. You can...
by denismurf
Wed Oct 14, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: medical ID
Replies: 8
Views: 807

Re: medical ID

My home state of Washington is trying to help. It publishes a standard Physician Order for Life Sustaining Treatment (POLST) that states a person's wishes clearly in an apparently legal and binding manner. But, it appears that even this will usually not result in causing medical personnel to avoid h...
by denismurf
Mon Oct 12, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: medical ID
Replies: 8
Views: 807

medical ID

Which is better for men, bracelet or necklace? Does an inscription that just says "DNR" enough to get the attention and compliance of most emergency techs and emergency room personnel? What information must be included in the limited space of dogtags and bracelets? Any other suggestions?
by denismurf
Sat Sep 19, 2015 1:43 am
Forum: Personal Consumer Issues
Topic: medical billing: crime or just mistakes?
Replies: 48
Views: 4712

medical billing: crime or just mistakes?

I have a lot of medical issues, so lots of correspondence and bills from service providers and my Blue Cross insurance co. Couple of weeks ago I got a bill for $275 from an imaging company that apparently read an MRI or something requested by a doctor treating me. I usually just pay these things, bu...
by denismurf
Mon Sep 07, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 169
Views: 15460

Re: Life lessons: Making loans to friends. Insights? Revelations?

I have a close personal friend who is also a key member of a social structure we both belong to. He is self employed and way too lenient in his efforts to collect what his customers (many of whom are personal friends) owe him for his services. A couple of years ago, he was forced to choose between p...
by denismurf
Fri Aug 07, 2015 7:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1342
Views: 275480

Re: What Book Are You Currently Reading? Part VI

"In fact the performance of the Austro Hungarian army in WW1 was so bad that the book is probably not an exaggeration-- was Hasek a veteran? The army had something like 16 languages in it." Yes, Hasek served in the Austro=Hungarian Army and was captured by the Russians, eventually ending u...
by denismurf
Fri Aug 07, 2015 2:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1342
Views: 275480

Re: What Book Are You Currently Reading? Part VI

I'm almost finished re-reading The Good Soldier Schveik , by Jaroslav Hasek. I now know a lot more about WW I and its effects in eastern Europe than I knew the first time around. This horrible event has little funny written about it. This is a glimmer, first published in Czech right after WW I and p...
by denismurf
Thu Jul 30, 2015 11:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

Thanks to Lady Geek for reminding us that American Sniper is a movie, meant to entertain, not a partisan screed disguised as entertainment.
by denismurf
Sat May 16, 2015 1:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

Over the weekend I saw Wild Tales in Miami. It's a unique and unusually creative Argentinian film. Loved it. :thumbsup It's actually 5 different stories about what people can do for revenge if they get really ticked off about some injustice they've suffered. Lots of laughs and gore. I give it 4/5.
by denismurf
Mon May 11, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: best alternate phone?
Replies: 15
Views: 1603

best alternate phone?

I own only one phone --a cell. Occasionally it wanders off or drops out of my pocket close to watery graves like toilets and elevator shafts. I really do need to have a backup for when my luck runs out and my cellphone is gone forever. The simplest option seems to be to get a landline. Or I could ge...
by denismurf
Mon Apr 20, 2015 2:51 pm
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 28
Views: 5479

Re: new i-bond rate?

I'm trying to make sure I understand the big difference between I bonds and TIPS bonds. Is it true that the redemption value of a TIPS bond can go down, but that, ignoring early redemption penalties, the redemption value of an I bond cannot go down? Stated differently, if I buy a TIPS bond today and...
by denismurf
Sun Mar 22, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

I agree with Petrocelli on a 3 for Boyhood; and maybe that's a little high. I thought the whole story was based on an assumption that all adult males are violence-prone jerks. I disagree, again, with a high score for Fury. It's a gritty, authentic, plausible WW2 story for the first hour or so, then ...
by denismurf
Thu Mar 12, 2015 1:25 am
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 9549

Re: Where to retire in New England?

Wow. Thanks so much, to all of you.
I think I can find my kind of place in New England.
by denismurf
Wed Mar 11, 2015 1:47 am
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 9549

Where to retire in New England?

Yes, it's a serious question.

New Englanders seem sane to me. Are they relatively nice and welcoming to newcomers from the Midwest and west coast?
by denismurf
Sun Feb 22, 2015 9:14 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 18591

Re: Documentaries to recommend?

Anybody who likes Hoop Dreams will also like The Boys of Baraka. It documents one year of a program to send 20 middle school boys per year from the Baltimore black ghetto to a small school out in the wilds of Kenya. It made me laugh and cry. As an aside, my daughter appears in the film as a teacher....
by denismurf
Wed Jan 21, 2015 12:47 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

Fury was gritty, raw and authentic for 90 minutes. Then it hit the skids and dissolved into a typical cartoonish Hollywood shoot-em-up fantasy bearing no resemblance to actual war as I understand that term. The last 30 minutes reminded me of the movie that so delighted Hitler in The Inglorious Baste...
by denismurf
Tue Jan 13, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: New denture doesn't work.Who pays?
Replies: 6
Views: 1403

Re: New denture doesn't work.Who pays?

Thanks for the guidance.

At the next visit, I'll just ask how long this period of adjustments is supposed to last before we address the question of payment.

I don't think it would be appropriate in this forum to get into the details of exactly what is wrong.
by denismurf
Mon Jan 12, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: New denture doesn't work.Who pays?
Replies: 6
Views: 1403

New denture doesn't work.Who pays?

I had a partial denture made a month ago. It has hurt to insert since right after it was made and continues to hurt now while in, despite 5 visits to adjust it.

Am I expected to pay the whole cost, even if it never delivers pain free use?
by denismurf
Thu Dec 25, 2014 1:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1430
Views: 272257

Re: What Movie Have You Recently Watched?

For me, The Wolf of Wall Street had way too many scenes of men in suits behaving like sex crazed animals toward women hired to pretend that they enjoyed such behavior, not to mention the degradation of The Wolf himself from principled husband and family man to a disgusting parody of a Wall Street st...
by denismurf
Thu Dec 18, 2014 2:37 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1342
Views: 275480

Re: What Book Are You Currently Reading? Part VI

C Trick by Donald M Cooper. This is a partially fictionalized memoir of military service in the USASA (US Army Security Agency) in Cold War Germany in the 60's and 70's. As a veteran of that agency and times and place, I found the book a gritty, funny, realistic account of that piece of my life, wi...
by denismurf
Mon Dec 01, 2014 2:38 am
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11823

Re: Favorite nonfiction books

How the Hippies Saved Physics by David Kaiser.

Much tongue in cheek, but also thought provoking and reminiscent of how much original thinking was going on among those physicists in the 1960's and 1970's who refused to just "shut up and calculate." (which is the title of Chapter 1).
by denismurf
Sat Nov 22, 2014 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Two month work assignment in Bulgaria
Replies: 3
Views: 585

Re: Two month work assignment in Bulgaria

Lucky you. Be sure to seek out and grab any opportunity to attend a wedding or birthday party where there might be dancing. Bulgarians of both sexes do varieties of a simple, basic dance called a horo, pronounced her OH. Just jump in and do it. Somebody will help you through the first minute or so. ...
by denismurf
Fri Nov 21, 2014 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 40
Views: 32494

Re: Where can I go to get a signature guarantee or Medallion

A couple of years ago, after my wife died, suddenly I could not get money from a brokerage account holding our trust without that medallion guarantee. The assistant manager of the US bank branch where we had been banking for years spent what seemed like half an hour on her computer coming up with re...
by denismurf
Fri Nov 21, 2014 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Keep or sell Zero Coupon Bond?
Replies: 7
Views: 1033

Re: Keep or sell Zero Coupon Bond?

I think it's safe to say that you will NOT get the stated value of that bond if you sell it into the secondary market. But give it a try by telling your broker to offer it for sale and give you a quote before you place the sell order.

In other words, Gill is right, IMO.
by denismurf
Wed Nov 19, 2014 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Jane Austen's Economics
Replies: 60
Views: 17818

Re: Jane Austen's Economics

In his book Capita l, Piketty relies on Jane Austen's novels for illustrations of a society whose economic and political decisions are made primarily by people who live off rents (as he defines the term) and never have to have real jobs. Sorry, no examples. I lent my book to somebody and didn't get ...
by denismurf
Mon Nov 03, 2014 11:29 pm
Forum: Personal Consumer Issues
Topic: Netflix: how long broken?
Replies: 13
Views: 2299

Netflix: how long broken?

Nothing streaming available tonight on Netflix.

Anybody know long this has been going on?
by denismurf
Fri Oct 17, 2014 3:38 pm
Forum: Personal Consumer Issues
Topic: lost cell phone
Replies: 6
Views: 935

Re: lost cell phone

Thank you, folks, from the OP.
by denismurf
Tue Oct 14, 2014 11:31 pm
Forum: Personal Consumer Issues
Topic: lost cell phone
Replies: 6
Views: 935

lost cell phone

I live by myself and own one phone - a T-Mobile cell phone. I've "lost" that phone several times, but it always turned up, after I checked through the online ring service or somebody just found it. Some day, though, I fear it really will disappear. How do others protect their telephone mea...
by denismurf
Thu Oct 09, 2014 12:56 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1342
Views: 275480

Re: What Book Are You Currently Reading? Part VI

I finished The Signal and the Noise by Nate Silver about month ago and am now re-reading pieces that I didn't really understand the first time around. I think it's well worth the extra effort.
by denismurf
Sun Oct 05, 2014 3:06 am
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 20915

Re: Critically Acclaimed Movies you did not like

The Piano
Fish Called Wanda
The Inglorious Basterds

plus, another vote for English Patient
by denismurf
Sat Sep 13, 2014 3:58 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 14201

Re: A 'really good book' you did NOT enjoy

FWIW, Thomas Piketty, in his Capital in the 21st Century refers to Jane Austen's novels a lot for examples to illustrate his terms and the way people acted back then. Yes, I did finish the book and am happy I did. However, yes, it is a slog. I was going to give some excerpts, but I lent the book out.
by denismurf
Fri Sep 12, 2014 1:43 am
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 48
Views: 3748

Re: Recommended World War I book

I second the recommendation of A Soldier of the Great War as an account of the perspective of participants. Another perspective, of Russian officers at the outset of the war, is given in great (fictionlalized) detail in Solzhenitsyn's August 1914 . And then there's a really bitter satire in the nove...
by denismurf
Wed Sep 10, 2014 5:27 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 14201

Re: A 'really good book' you did NOT enjoy

My top vote goes to "the greatest book ever written."
by denismurf
Thu Jun 26, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1336709

Re: What Book Are You Currently Reading? Part V

Several people here have praised the Harry Bosch series by Michael Connelly. Does one lose anything by reading them out of sequence?

My library currently has only volume 3, and I have never read anything by him.
by denismurf
Sun Jun 08, 2014 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 11467

Re: Keeping up with the neighbors and Balance

One assumption behind this thread seems to be that there exists something called "happiness" that can be bought just like new cars, vacations, and counter tops. If the OP is short on "happiness," he should just go buy some "happiness" with those dollars sitting around i...
by denismurf
Sat Jun 07, 2014 11:44 pm
Forum: Personal Consumer Issues
Topic: How to deny having a stroke?
Replies: 13
Views: 1953

How to deny having a stroke?

Radio these days is full of public service ads telling the public to be aware of people having strokes and to call 911 as quickly as possible if certain signs appear. A couple of weeks ago, I was really tired at my evening meal in a family Thai restaurant where I was known. As I finished up, I liter...
by denismurf
Tue Apr 29, 2014 5:58 pm
Forum: Personal Consumer Issues
Topic: Medicare questionnaire legit?
Replies: 9
Views: 2288

Re: Medicare questionnaire legit?

The experience-based opinion here seems to be that CMS is in fact some sort of legitimate contractor for Medicare, which is good enough for me. Thank you. Just for entertainment value, the letter came from a PO Box in Little Rock AR, with a return envelope addressed to a PO Box in Oklahoma City. The...
by denismurf
Sat Apr 26, 2014 4:01 pm
Forum: Personal Consumer Issues
Topic: Medicare questionnaire legit?
Replies: 9
Views: 2288

Medicare questionnaire legit?

I just got a detailed questionnaire on my personal data and medical coverage from something called Centers for Medicare & Medicaid Services. The letter says Medicare needs to know this stuff to coordinate benefits. Anybody here able to offer an opinion on whether this query is legitimate or how ...
by denismurf
Mon Apr 14, 2014 1:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1336709

Re: What Book Are You Currently Reading? Part V

A Nation In Pain by Judy Foreman takes a big step forward in not blaming the upsurge of opioid abuse on chronic pain sufferers who take opioid pain relievers to obtain a fairly normal life. In fact, she describes both chronic severe pain and drug abuse as enormous health problems in their own right...
by denismurf
Tue Mar 18, 2014 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Audits
Replies: 16
Views: 1847

Re: Tax Audits

Acceptance of a return means only that there are no obvious entries that would preclude issuance of a refund or acceptance of an amount due.

Selection for audit is an entirely separate process, as others have pointed out.
by denismurf
Tue Mar 18, 2014 12:51 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2160

Re: TurboTax defunct?

Apparently I clicked Yes to one of those scary popups telling me all my IE drivers were obsolete and would destroy my ability to use the internet unless I downloaded a free fix immediately.

SYstem Restore to the rescue! TT now works fine for me.

No, I have nothing to do with physics.
by denismurf
Mon Mar 17, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2160

Re: TurboTax defunct?

No trouble signing into VG. I started the return on TT a week ago via VG with no problems, but can't get back in after signing out. TT just keeps spinning and "loading." Maybe it's time for a System Restore if the problem is not with TT. The "volunteer" suggested I muck around in...
by denismurf
Mon Mar 17, 2014 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 2160

TurboTax defunct?

After three days, 5 tries,5 total hours of waiting, no success at trying to sign into TT from Vanguard. No response to help request, except for a volunteer who gave nothing useful.

Is TT dying? Or already dead? Time is running out.

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