Search found 231 matches

by dougger5
Thu Feb 01, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Re: Wireless Earbuds For Running (Updates for 2018?)

Bone Conduction. Several of the members in my running group use Aftershokz. I understand you can still hear ambient noise (since your ear isn't covered) and the sound quality is "good enough". EDIT: Supposedly these are good for biking too. I done gone ordered 'em :happy What it came down to, is th...
by dougger5
Wed Jan 31, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Re: Wireless Earbuds For Running (Updates for 2018?)

I have the Plantronics Backbeat Fit that I have had for a couple of years now. I love them. Very comfortable to run or work out in. Stay in place with no slippage or movement. Open to outside sound so I have no issues hearing traffic for safety reasons. Sound pretty good as well. It is also very ea...
by dougger5
Wed Jan 31, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Re: Wireless Earbuds For Running (Updates for 2018?)

If being aware of your surroundings is an important consideration (and it sounds like it is), you really can't beat bone-conducting headphones. I have an older version of these AfterShokz that I wear when I ride my bike. Voice quality for spoken word is excellent, music is just so-so (allegedly the...
by dougger5
Wed Jan 31, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Re: Wireless Earbuds For Running (Updates for 2018?)

Two questions here.... Are you talking about COMPLETELY wireless? Aka Apple Airpods.... Two..... What type of phone do you have.... Apple or Android. This will help what define what may be "best" for you Completely wireless isn't necessary - just needs to be secure and somewhat open to ambient soun...
by dougger5
Wed Jan 31, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Re: Wireless Earbuds For Running (Updates for 2018?)

Two questions here.... Are you talking about COMPLETELY wireless? Aka Apple Airpods.... Two..... What type of phone do you have.... Apple or Android. This will help what define what may be "best" for you Completely wireless isn't necessary - just needs to be secure and somewhat open to ambient soun...
by dougger5
Tue Jan 30, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2141

Wireless Earbuds For Running (Updates for 2018?)

I searched :D Seems that most recent threads of this nature are in the 2016 timeframe, so I thought I'd just check to see what new stuff folks are into, or any units from 2016 about which any long term reports can be related. I'm not especially interested in music fidelity, as when I run, I only lis...
by dougger5
Tue Jan 16, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 39
Views: 2807

Re: Vanguard Tax Forms Now Online

Seasonal wrote:
Tue Jan 16, 2018 5:53 pm
I'm getting "Tax information is temporarily unavailable. Please try again later or contact us." at the moment when I try to download my forms.

Anyone else?

Perhaps Vanguard heard livesoft.
Same here. And as another said - tomorrow is another day :beer
by dougger5
Thu Jan 04, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

My broker didnt like that email. It went like this.... Me: I would like for you to sell all my assets, and move all current funds and future deposits and match to the Money market him : Wait. what? I dont think my computer will let me do that. I dont think you can do that. Why would you want to do ...
by dougger5
Thu Jan 04, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

oh.. shyte.. lol. that simple.. I was looking for some digital link to send it. :oops: This is the document I have.. I think you have to be logged in to open it. https://personal.vanguard.com/us/ElfPDFStreamPublic?ts=1515071688308 Ah - slightly different than the one I have. Yeah, it's at the tail ...
by dougger5
Thu Jan 04, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

Just to clarify one last time... I DO NOT need to do anything with the employer documents included in this packet, since my employer will not be contributing to vanguard, but EJ. I have completed the SIMPLE IRA New Acct Form. I just need to figure out where to send it. Vanguard P.O. Box 1110 Valley...
by dougger5
Thu Jan 04, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

I didn't deal with any CSR's at VG - just downloaded forms to open a new SIMPLE plan, and in that form, there is an option that specifies the new account as being for transfers-only. Hold on - lemme see if I can get some thread links with more detail... Ah, here's a thread of mine confirming some d...
by dougger5
Thu Jan 04, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

I would double-check the 2-year period, as I *think* that applies to xfer from SIMPLE to non-SIMPLE. We set up a "frozen" SIMPLE IRA at Vanguard for my spouse, which can *only* accept xfer from another simple. Her program gets the contributions, including match, and we just check the balance once a...
by dougger5
Thu Jan 04, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3370

Re: Edward Jones - help

I would double-check the 2-year period, as I *think* that applies to xfer from SIMPLE to non-SIMPLE. We set up a "frozen" SIMPLE IRA at Vanguard for my spouse, which can *only* accept xfer from another simple. Her program gets the contributions, including match, and we just check the balance once a ...
by dougger5
Tue Jan 02, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 126
Views: 8818

Re: 2018 Hedge Fund contest

The Middle Branch Multiflora Rose Capital Thorn Fund shall continue operations into 2018, after a narrow majority of the Board Of Directors voted to retain the name, even as they parted ways with the fund managers who showed such startling malpractice in selecting their 2017 short positions. Our Lon...
by dougger5
Sun Dec 24, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2499

Re: Internet speeds

Just to provide a benchmark at the low end, we're around 1.5M down. That's DSL over copper, which is our only practical option. With that, we can *just* stream Netflix and HBO and such, and have to ensure that no other users are snatching bandwidth. And the video certainly isn't 1080*, but not so lo...
by dougger5
Sat Dec 09, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 3308

Re: Do you have any guilty pleasure investments?

I/we have a collection of individual stocks in odd lots, as a sort of "personal index." Just companies we patronize or are otherwise associated with. 1.3% of portfolio.
by dougger5
Wed Dec 06, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: 18 Year old Wants To Start Investing in Roth IRA
Replies: 5
Views: 595

Re: 18 Year Old Wants To Start Investing In Roth IRA

It is said (was it Markowitz who first coined it?) that diversification is the one free lunch in investing. It mitigates the risk of individual stock and exposure to too few sectors. The most efficient means of diversification is by owning low-cost, broad market index funds. And while it is difficul...
by dougger5
Wed Dec 06, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: Current Research On Dividend Studies
Replies: 11
Views: 1273

Re: Current Research On Dividend Studies

I find their conflating dividend return with interest payments off-putting.
by dougger5
Sun Nov 05, 2017 6:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 8151

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I have an avatar because, well, all the cool kids on the board do. And as cited already, it makes it easy to spot my own posts. The "5" in my SN is the "1337"-ized "S". But for some reason, in choosing my avatar, I focused on the "5" as a number. GIS'd various images of it, and chose this one. So no...
by dougger5
Thu Oct 26, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 30481

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I could not get the top off of the mug - tried and tried and tried - tried heating it under a hot running top, used towels etc. Eventually I regretfully gave up and it is in the trash - to be collected today! It was a bit of a bear. Had to apply hard torque with my hand, with periodic rests, until ...
by dougger5
Tue Oct 24, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5222

Re: What service do you pay for that you could easily do yourself?

Ah, but I don't need to drive up on ramps, remove my lower splash plate and bend down to open a quick drain for every oil change. Or worry that the quick drain might fail and release the entire oil pan contents while driving. It can happen: https://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=s...
by dougger5
Mon Oct 23, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5222

Re: What service do you pay for that you could easily do yourself?

Oil change / filter replacement is about the one thing I do do myself. I have a Subaru Crosstrek, and I've replaced the drain plug with a Fumoto Valve. I stick a hose on that, open the valve, and drain 'er out. The filter on this vehicle is mounted upside-down right on top of the engine, so real ea...
by dougger5
Mon Oct 23, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5222

Re: What service do you pay for that you could easily do yourself?

Letting them change my car cabin air filter. There is some sort of scam in the "change cabin air filter" business. Several years back I had my car in for service and while in the waiting room the service manager came out with a dirty filter to show me and recommended it be changed. I asked how much...
by dougger5
Sun Oct 22, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4192

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :) Attend Bogleheads 2018. They had copies of the new version for us to purchase this year ($10) and Jack was gracious-enough to sign them. And the conference is a great way to get Jack's au...
by dougger5
Sat Oct 21, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5222

Re: What service do you pay for that you could easily do yourself?

Letting them change my car cabin air filter.

It's fairly easy, but that one strut with the damper cylinder that lets the glove box down gently - it's a bit fiddly to get that re-attached correctly.
by dougger5
Sat Oct 14, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

If you've been discriminated against, there are those legal remedies. But based on what you've provided, all I see is they have a problem with your appraisal and your property. Nothing is personal. Also, it's still unclear to me what you think the current appraisal should be and what it's based on....
by dougger5
Sat Oct 14, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

Have you had a chance to review the report yourself and look at what (if any) adjustments the appraiser made between the comps and your property? If you haven't you should and you have the right to obtain a copy. One of the weirder requests we got from an underwriter 22 years ago for the property w...
by dougger5
Sat Oct 14, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

Sounds like you need to work through this issue but getting pissed about it probably won't do any good. Yes, a night's sleep does wonders for clearing up judgement somewhat. My cortisol level is back to normal now :wink: Over the years I've had over 10 mortgages and refis. As I warned my condo buye...
by dougger5
Sat Oct 14, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

Mortgage lender here. It sounds like you're stuck. Unfortunately I had this happen to me once on the consumer side and my lender (a former employer no less) got the appraisal report back and didn't like the cracks in the brick on one of the pictures. So they requested that I pay for a structural en...
by dougger5
Fri Oct 13, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

I think the key issue may be "multiple negative findings". I would try to find out what this is about. It's pretty clear from reading the report that it's their difficulty finding the right comps. The "negative findings" all center around the original appraiser having used horse farms as comps. Whi...
by dougger5
Fri Oct 13, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Re: Refinancing: Appraisal Value Lowered During Underwriting

Is the property very unique? Have you checked the comps cited and did they seem comparable to you? That's a really big spread in price. I've been working with a friend with an estate sale and the difference between the appraisals is in the 10% range which I consider to be normal. The house is in a ...
by dougger5
Fri Oct 13, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1298

Refinancing: Appraisal Value Lowered During Underwriting

We're going through a refi, and paid for an appraiser to come out and evaluate our home. The appraisal came in at $550,000, for an LTV of 68%. I was just informed that as a part of the underwriting process, they have issues with the appraisal, and now have changed the value to $360,00 - which actual...
by dougger5
Mon Sep 25, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds No Longer Allowed In Simple IRA With Raymond James??
Replies: 10
Views: 1054

Re: Vanguard Funds No Longer Allowed In Simple IRA With Raymond James??

Jaspy7, welcome to the forum! Are you aware of your ability to do an “asset transfer” of your account holdings at RJ to a SIMPLE IRA that you set up at Vanguard? The IRS calls it a "transfer SIMPLE IRA account". It can only receive money from another provider of a SIMPLE account in a trustee to tru...
by dougger5
Sat Sep 23, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 8255

Re: Help?! My 70 year old father is 100% invested in equities

Similar situation here. My late-70's mother's mid-6-figure invested portfolio is about 80/20, which the equity part composed of a half-dozen individual stocks that are parts of 2 major sectors. My approach has evolved to a point where my primary goal is no longer about critiquing the composition of ...
by dougger5
Thu Sep 21, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27781

Re: Name something you had to have and now you regret purchasing it?

Drill press. Bought a guitar neck as the first part of a guitar build, which would have been my first attempt. Figured I'd need a drill press to get those tuning peg holes juuuust right. Guitar neck sat for two years, then I shipped it to a luthier and paid him to turn it into a guitar for me. Used ...
by dougger5
Sun Jul 23, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36705

Re: 2017 hedge fund contest

Middle Branch Multiflora Rose Capital Thorn Fund The market goes up, the market goes down, but Rosa Multiflora grows on. Trust The Bramble® LONG UTX - United Technologies Corp JEC - Jacobs Engineering Corp GD - General Dynamics SHORT RHT - Red Hat Software SCAI - Surgical Care Affiliates As a belat...
by dougger5
Tue Jul 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1913

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

This is a pending Shark Attack, yes. Understanding it at this point will allow the OP to fend it off easily... Ha! Indeed, the sharks with whom I have my current policy have sent me a "Aww, c'mon...give us a call!" letter upon notification of my impending switch to someone else. "Gee, why don't you...
by dougger5
Mon Jul 17, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1913

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

Why is net worth info needed to buy term life insurance? I would not provide that. None of their business. +1 Sounds like one of the individual big companies that have salesmen who want to sell you whole life or annuities either now or later. Are you applying for several million in insurance? Have ...
by dougger5
Sun Jul 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1913

Re: Net Worth Calculation - Am I Doing It Right?

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account...
by dougger5
Sun Jul 16, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1913

Re: Net Worth Calculation - Am I Doing It Right?

sport wrote:What about her assets and her liabilities?
I just offered the case of my net worth as an example of how I think our respective net worth's would be calculated, if I get the point of your question. So for her personal net worth, just substitute "my" in the above equation with "her."
by dougger5
Sun Jul 16, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1913

Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account ...
by dougger5
Thu Jul 06, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265647

Re: U.S. stocks in freefall

I have a confession to make. Last week I was hoping this week would be terrible because I knew I'd have new money to invest today. Lo and behold, the market took a nice little dip today just when I was ready to invest. :D I have an automatic investment set up for my Roth that goes in every Wednesda...
by dougger5
Sat Jul 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Question re: VBTLX Dividend Received
Replies: 5
Views: 539

Re: Question re: VBTLX Dividend Received

My VBTLX shows the additional shares. I double-checked by looking at "Balances By Date," and compared the number of shares for 6/29 vs. 6/30, and the 6/30 balance reflects the additional shares.
by dougger5
Fri Jun 30, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 3224

Re: vetting/finding a financial advisor

Somewhat reluctantly, I selected a CFP for my recently-widowed mother, as it became obvious that getting her to do something reasonable with her portfolio (single stocks, sector concentrations and the like) would require a neutral third party. There's a thread or two here with my hand-wringing over ...
by dougger5
Sat Jun 24, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 978

Re: Evaluating Asphalt Driveway Sealing Bid

Thanks folks. I have strongly advised her to get at least one more estimate, offering to haul myself over to be present for it if she can swing it for the week of the 4th. We'll see.
by dougger5
Sat Jun 24, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 978

Re: Evaluating Asphalt Driveway Sealing Bid

This one is difficult since the crack filling work can take some time compared to the sealing. Plain sealing runs about 15 - 18 cents per square foot in our area, so it would be good if you had a breakdown of how the proposed total was reached. Crack-filling could easily add a few hundred to your d...
by dougger5
Sat Jun 24, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 978

Evaluating Asphalt Driveway Sealing Bid

My mother recently received an estimate for asphalt sealing, and I'm thinking it's a bit on the high side. So I'd appreciate some input. I have read some previous threads on this subject, so I am aware that the accepted best method is to do this one's self with "airport grade" asphalt sealer. For va...
by dougger5
Sun Jun 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 2233

Re: Best Way To Code A Text Parser

Take a look at Perl. It was originally designed for just this kind of application. If you do decide to give Perl a chance, you need to decide up front whether to use Perl 5 or Perl 6. The last I used Perl there was no Perl 6 so I can't give you any guidance on that decision. (It's been long enough ...
by dougger5
Sun Jun 11, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 2233

Re: Best Way To Code A Text Parser

Are there api's for creating an excel spreadsheet? If so I think that would be good or shoot data into MySQL db. Python is used for this tyep of work. Do you have a tool to make PDFs? I have heard of spmething called iText but you must purchase it. Use tool which has most capabilities. No, I figure...