Search found 472 matches

by dual
Mon May 07, 2018 1:52 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2148

Re: Making it easier to track posts from the OP

Some points: 1. A browser search ctrl+F only works on the current page. It has to be repeated for multi-page threads. 2. My experience is that the google forum search is usually several days behind. Apparently they do not crawl the site very often. I do not have experience with the gear search to se...
by dual
Mon Apr 23, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3162

Re: Need to cut the cable cord - is there an alternative?

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...
by dual
Thu Apr 19, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 3013

Re: Negotiating for a new Toyota.

I have been emailing with a sales person at the local Toyota dealership. I've bought two Camrys from the dealership (1992, 2006). Should I look elsewhere.? Does Costco have a pricing service to help you get better prices? Any other pricing services? Yes. According to the BH thread on email car buyi...
by dual
Sun Apr 08, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 7694

Re: New faster DNS - 1.1.1.1 by CloudFlare

As far as the tired aphorism about being the product, I offer Cory Doctorow’s comment at https://mobile.twitter.com/doctorow/status/980786713273364481 Doctorow: But they're just ahead of the curve. If you spend $500K on a John Deere tractor, you're the product. If you spend $80,000 on a luxury GM c...
by dual
Sun Apr 08, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1328

Re: Can we discuss renting a car?

I will be traveling to the grand canyon for a week and looking to rent a car for that week out of Las Vegas. I am from NYC so I dont have my own auto insurance. Two types of insurance needed: 1. damage to car--most credit cards cover this. 2. lawsuit against you for anything associated with the car...
by dual
Sat Apr 07, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7449

Re: Series I Bonds in April/May 2018

It might actually cost you more to wait since the current variable rate is 2.48% (so 2.58% total rate). If you wait until May and there is no change and then decide to wait November to see if there is a change then with the $10,000 sitting in a low interest savings account this entire time - even i...
by dual
Thu Apr 05, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 80
Views: 19355

Re: Treasury Direct is a waste of time

CedarWaxWing wrote:
Fri Feb 26, 2016 2:04 pm
Fclevz wrote:If you're going for bills, notes, or bonds, it's nice that at any major brokerage, you can buy new auction treasuries without commission, or hassle.
Including at VG I think.

m
but NOT Merrill-Edge. They charge $50--treat as regular bond purchase :annoyed
by dual
Tue Apr 03, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3883

Re: Comparison of grocery prices?

wrongfunds wrote:
Thu Mar 29, 2018 5:11 pm
I suppose I could tell you about prices at Market Basket but I already did that on FatWallet :-)
Now that is spooky :)

Fatwallet has been out of business for about a year.
by dual
Mon Mar 19, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 512

Re: small non-folding bicycle recommendations

This bike is 5 lbs less (23 lbs) but costs $220 more than the one I linked to above ($400+shipping).

Also 8 vs 7 speed and quick release wheels

https://www.amazon.com/EuroMini-Lightwe ... B079BHDRJW
by dual
Mon Mar 19, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 512

Re: small non-folding bicycle recommendations

Thanks for the suggestions. I will look into folding bicycles. A quick search on Amazon turns up some possibilities for under $250 such as this one: https://www.amazon.com/dp/B007WE8OIM/ref=sspa_dk_detail_0?psc=1&pd_rd_i=B007WE8OIM&pd_rd_wg=iFXlF&pd_rd_r=D0PXVNTAZ9PJXR3WXMGS&pd_rd_w=GUa2M I was conc...
by dual
Mon Mar 19, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 512

small non-folding bicycle recommendations

I am looking for a bicycle to take to a nearby park to ride. I have a mini-van so I do not need a folding bicycle but I would like one that is smaller than a regular bike and lower weight so it is easier to put it into the van. I am 5 feet 6 inches and weigh 130 lbs so it does not have to be super-s...
by dual
Sat Mar 17, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8751

Re: Need for Medicare supplemental plan?

My approach is to insure for events that may make a financial difference so I carry Plan F high deductible. I have had it for about 5 years now without making a claim. In that time, the savings in premiums over say the regular Plan F will pay for the deductible for two years and then some. I can fun...
by dual
Sun Mar 11, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: How banks create money, not from deposits
Replies: 132
Views: 11290

Re: How banks create money, not from deposits

For a good explanation of the creation of money by banks see Naked Money by Charles Wheelan. Wheelan is too easy on fiat money and too dismissive of asset backed currencies but if you take into account his bias his explanations are clear.
by dual
Sat Mar 03, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2321

Re: What are the Best Tablet to Read PDFs?

But how would he be able to share the handwritten notes with other people unless the software allows to embed that information in to widely used file format aka another pdf file? Do Apple/Microsoft/Samsung/Sony product have the ability to do that? The annotated document is saved by the Sony as a pd...
by dual
Sat Mar 03, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2321

Re: What are the Best Tablet to Read PDFs?

Unlike epub, pdf documents will not reflow to accommodate the screen size of your device. Scientific papers are formatted for large journal pages and use small fonts to reduce their length in the paper journal. Therefore, you need a large tablet to be able to read them as you would on paper. Of the ...
by dual
Fri Mar 02, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2321

Re: What are the Best Tablet to Read PDFs?

I am on the market for a tablet to read scientific papers, mostly in PDF. An ideal tablet will have a pen to write notes on the margin, etc. Any recommendation? Thanks! The Sony DPT-S1 fulfills your requirements and then some. It's expensive but well worth it. The newer version, the DPT-RP1, is goo...
by dual
Thu Mar 01, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 973
Views: 170137

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

What are good websites for checking current transfer bonuses? Here are some that I check: https://investorjunkie.com/current-stock-broker-promotions/ decent selection. Has IRA offer section. http://www.hustlermoneyblog.com/best-brokerage-bonuses/ No separate IRA section p.s. This is a good thread bu...
by dual
Mon Feb 26, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do these mock 2018 taxes look right?
Replies: 2
Views: 512

Re: Do these mock 2018 taxes look right?

I used this spreadsheet for my planning ( :D substantial savings over this year)

https://sites.google.com/site/excel1040 ... ew-tax-law

Can't vouch for accuracy but seems well done and I like the results :happy
by dual
Tue Feb 20, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 979

Re: Auto Ins. Drop Comprehensive and Collision?

I buy cars new then drive them into the ground. I never carry collision or comprehensive even when the cars are new. Insurance is for events that will make a difference in your life. I can repair or replace a car without it affecting me financially at all. Why hassle with jumping through the insuran...
by dual
Fri Feb 16, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11601

Re: I'm Cancelling My Home Insurance

flossy21 wrote:
Fri Feb 16, 2018 3:39 pm
The point being that your exposure here could easily exceed your net worth.
OP says he has an umbrella policy.
by dual
Fri Feb 16, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11601

Re: I'm Cancelling My Home Insurance

You buy insurance for something you can't afford to lose and you shouldn't buy what you don't need. +1 I do not buy collision, comprehensive, uninsured coverage for my car. I do buy 300K/500K liability and have a $2 Million umbrella policy. I am interested whether you will be able to get an umbrell...
by dual
Thu Feb 15, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7327

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

I don't think I need this - any advice on cutting this from our policy? Only insure for events that will make a big difference in your financial life. Here in CA, Uninsured coverage is limited to $30,000 or some relatively small figure. I can cover that without it making a big difference. If you ca...
by dual
Wed Feb 14, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 172
Views: 15851

Re: 30 yr tips auction 2/15: 1.0% yield?

Angst wrote:
Thu Feb 08, 2018 1:49 pm
As usual, I'll be funding/guaranteeing another 30-Yr rung of my little LMP.
For the uninitiated: LMP = liability matching portfolio (I think)

viewtopic.php?t=240221
by dual
Mon Feb 12, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7700

Re: I’m not renewing my Costco membership.

Bacchus01 wrote:
Mon Feb 12, 2018 8:47 pm
I travel a LOT. I have never been able to beat Costco on rental cars from the majors. Some local rental, maybe, but never the majors.
I travel a lot too and I have always been able to beat them. What websites do you check?
by dual
Mon Feb 12, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7700

Re: I’m not renewing my Costco membership.

I ended my membership years ago because it's annoying to shop at Costco. +1 I essentially got paid to get a Costco membership through one of the LivingSocial promotions and did not even think of renewing. The place is deliberately annoying. They do not carry the same stuff all the time, deliberatel...
by dual
Thu Feb 08, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13772

Re: Ally Bank 12 month CD now 2.00%

Kevin M wrote:
Mon Feb 05, 2018 1:39 pm
1-year Treasury at 1.98% (at Fidelity).
If you live in a high tax state, the after tax yield of the TBill is substantially higher than the CD. Here in CA with a marginal rate of ~9.3%, the Treasury at 2% is equivalent to a CD at ~2.2%
by dual
Sun Feb 04, 2018 2:44 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 8686

Re: Fewer acronyms please

Acronyms are bad enough but what about redundant acronyms?!! Please no more: CRV value CVT transmission IRA account LCD display SALT Taxes? UPC code VIN/PIN number most of these can be made double redundant!! California CRV value; CRV=California_Redemption_Value personal PIN number State and Local S...
by dual
Sat Jan 27, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with large stock holding in taxable account
Replies: 32
Views: 2580

Re: What to do with large stock holding in taxable account

quote=dual post_id=3746549 time=1517080378 user_id=408] If your friend has $1Million of stock, it would cost him $10.95*(1e6/2e4) = $547.50 to get protection from a greater than 5%, $50,000, loss over a year period. This is also wrong - your cost calculation is off by 2 orders of magnitude. I think...
by dual
Sat Jan 27, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with large stock holding in taxable account
Replies: 32
Views: 2580

Re: What to do with large stock holding in taxable account

I looked into the cost of buying put options while your friend is selling portions of his HD holdings. I am not an expert on this but here is my take. According to this http://www.nasdaq.com/symbol/hd/option-chain , with the current stock price of $207 per share a Jan. 18, 2019 put option with a str...
by dual
Sun Jan 21, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3135

Re: Rent (free at library) or buy books?

The Kindle is superior to any print-book - you can read it with one hand, it's crazy lightweight, you can adjust the font so there's no eye-strain, it automatically remembers the last page that you left off, and after 10 years, you aren't left with a physical book that's turned brown or attracted b...
by dual
Mon Dec 25, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6746

Re: How do Bogleheads save on eyeglasses?

How do purely online companies measure for progressives?

You go to your local optometrist to get measured then send them the prescription. My wife got progressive sunglasses at Goggles4u for about $40 and they work great.
by dual
Wed Dec 20, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC explained? Maximum possible FDIC for a couple per bank
Replies: 28
Views: 3100

Re: FDIC explained? Maximum possible FDIC for a couple per bank

Not the topic of this post but it is worth keeping in mind: from the FDIC website: https://www.fdic.gov/regulations/laws/rules/4000-2660.html Full Faith and Credit of U.S. Government Behind the FDIC Deposit Insurance Fund FDIC-87-36 November 9, 1987 Alan J. Kaplan, Counsel Your October 7, 1987 lette...
by dual
Mon Dec 18, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6746

Re: How do Bogleheads save on eyeglasses?

Goggles4u.com check around for online coupons. They are always having sales. BTW, it's easy to get interpupillary distance. Depending on your vision, just look in a mirror and line up a ruler marked with millimeters with the centers of your pupils. If your vision does not allow it, get a friend to d...
by dual
Thu Dec 14, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna hit it big, but questions remain.
Replies: 9
Views: 2627

Re: Skeptical Tuna hit it big, but questions remain.

Congratulations. Living below your means and saving a significant portion of your income is THE key to long term wealth accumulation. Some points: 1. Consider opening a personal Roth IRA instead of continuing to fund your traditional IRA. Your marginal tax rate is probably fairly low now and if you ...
by dual
Sat Dec 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 10283

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

They did discontinue it at Vanguard several years ago. Used to be a flagship free benefit once upon a time. No expectation it will ever be back. Have only seen a modest discount through fidelity, and never any free offer; though some report they have gotten a targeted free offer from fidelity based...
by dual
Sat Dec 09, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 10283

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Decisions .. decisions

take this great deal or wait for a freebie TTax from Fidelity or Vanguard :?: :?:
by dual
Fri Dec 08, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 25693

Re: Prepayment of SALT Taxes? [State and Local]

SALT Taxes? I will add this redundant use of an acronym to my list with the perennial goodies: IRA account LCD display VIN/PIN number CVT transmission UPC code CRV value most of these can be made double redundant!! personal PIN number California CRV value; CRV=California_Redemption_Value State and L...
by dual
Fri Dec 08, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4797

Re: Dollar Store Hacks

AA and AAA alkaline batteries
watch batteries
kitchen gadgets
poultry roasting bags
by dual
Sun Dec 03, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 973
Views: 170137

Re: orphan accounts

I have had an IRA at E*trade for several years with a $1.50 balance. I tried several times to get them to close it but they keep sending statements. Any ideas on how to kill it dead? Do I need to close it completely to be eligible for their new account bonus. I realize their latest offer is for non-...
by dual
Wed Nov 29, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 8770

Re: Does it make sense to drop health insurance?

I was in a similar situation to yours and decided to self-insure. If the ACA had been in force, it would have actually made the decision to self insure easier. My understanding is that the worst case scenario is that you have to pay your expenses until Jan 1 after the next open enrollment period. Wh...
by dual
Sat Nov 04, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 40
Views: 5927

Re: My (general) contacts with Treasury Direct re loss & liability

What are the alternatives for my electronic I-bonds to keeping them at TreasuryDirect?

Five minutes on the wiki and a search engine indicates that the only alternative is to sell them.

Correct?
by dual
Sat Nov 04, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 107
Views: 13388

Re: Should I decline Grand Prize trip because of taxes on winnings?

Interesting that we get these 70+ post threads with no feedback from original poster. Several of us, including me, have asked why OP thinks this is not a bogus offer but crickets.
by dual
Fri Nov 03, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 107
Views: 13388

Re: Should I decline Grand Prize trip because of taxes on winnings?

Unless you can figure out why you were 'selected' this is highly suspicious. I do not know if you can share the details of why you think the offer is legitimate but my rule would be if something is too good to be true it is not. Even if you convince yourself the offer is legit, I would do some plann...
by dual
Fri Oct 27, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4473

Re: Amazon kindle paperwhite

Tragically, they do require you to show ID and pick up in person. The Westchester branch is the closest for sure, and has great parking...... Your next layover - take uber, watch their hours/days. At least it's good for two years! Thanks for the info. It might be worth a thread here about how to ge...
by dual
Fri Oct 27, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 3041

Re: Going to SF, Yosemite and Sacramento

San Francisco has a severe problem with car break-ins--particularly rental cars but even police cars get broken into. When you go there do some research to find a safe place to park. Do not carry anything valuable (or better yet anything at all) in the car. Leave it in your hotel.
by dual
Fri Oct 27, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4473

Re: Amazon kindle paperwhite

Throw a wide net here - check with the largest city library in your state, or region. For example, in Los Angeles, they have a very deep selection of ebooks, and a library card is free to anyone in the state. I agree with this. I have accounts on 5 library systems here in Silicon Valley and I am lo...
by dual
Tue Oct 24, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 13105

Re: Can one have too much money in tax-deferred

Those who say that you can Roth convert before 70.5 need to consider the effect of increased social security taxes and Medicare premiums on your marginal tax rate. Yes, you can defer SS but for me it did not make sense as I do not come from a long-lived family. Assume that you decide to take SS then...
by dual
Mon Oct 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2560

Re: Which minivan?

deleted
by dual
Mon Oct 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2560

Re: Which minivan?

A Chrysler Town and Country man here. I have a 2007 model that I bought new and I love it--comfortable seats, good ride, lots of power, reliable, lots of room. I test drove the Toyota/Honda minivans and I did not like them. They Toyota was particularly bad. The seats were hard as a rock and the engi...