Search found 1301 matches

by gd
Thu May 24, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Firecalc and sims - skewed against more current years?
Replies: 2
Views: 191

Re: Firecalc and sims - skewed against more current years?

Why not run Firecalc for 100% success? Or at least compare with the 95% level to give an indication of sensitivity. I find the difference is within my ability to forecast my financial needs until I die.
by gd
Thu May 24, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 43
Views: 2800

Re: Buy an old farmhouse?

Sounds great, provided you're looking for a new hobby that will consume all your time and lots of your money. About that 1000' driveway and 2-hour school delays... you going to use your plow truck or your tractor? Pretty much totally OT, but I'm procrastinating about painting window grilles today......
by gd
Thu May 17, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2392

Re: Growing Fruit Trees and Shrubs

Alf 101 wrote:
Fri May 04, 2018 1:10 pm
I am curious in others' thoughts on the subject...
My thoughts are this is a pointless thread without everyone identifying their location.
by gd
Thu May 17, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 608

Re: looking for simple smart phone - anyone use Jitterbug

Got one for elderly relative unable to deal with basic smartphone functions using very inexpensive (Repubic Wireless) android. Not particularly cheap, its selling point is usability. Has notably better-designed basic screens replacing standards with android internals. Seems to have pretty good custo...
by gd
Wed May 16, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5995

Re: Neighbor wants to use our land temporarily - let them or not?

Don't believe this has been said- I would also politely stress that in addition to your willingness to assist, it's very important to you to be contacted beforehand about such things, perhaps give various contact methods to stress the point. If it's a manicured lawn, my very limited experience is th...
by gd
Mon May 14, 2018 6:24 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8975

Re: The front page is ugly

Also not entirely sure what the "front page" is, but the "post listings" page is a favorite part of this forum for me. Clear, simple, fast, no extraneous fluff. It is a significant factor in why I continue to view the forum regularly. It's the index fund of discussion groups.
by gd
Sat Apr 28, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2710

Re: Do you sell or donate unused items?

You may be premature. I find donating electronics, appliances, and other household goods got considerably easier after I started discovering most donation recipients (much less purchasers) didn't want most of it, and would take it grudgingly or not at all. The situation changed from feeling I was be...
by gd
Fri Apr 27, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9205

Re: How did you tell the boss you're leaving/retiring?

As I dithered in indecision, the companies/divisions/offices folded and I was relieved while everyone else was horrified. This happened several times. But to the point, if you are not going to a competitor, no manager with any character or integrity would abuse you over it. With me it was just movin...
by gd
Thu Apr 19, 2018 7:08 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6825

Re: Your Money Or Your Life

This discussion is reminding me of something I noticed back in those days-- I cannot think of a single time it was productive to recommend the book to someone I thought it might stir useful self-examination in. I stopped when someone gently suggested I was propagating a cult, leaving me gobsmacked. ...
by gd
Thu Apr 19, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3449

Re: Total Cost of Car Ownership over 10 years

Over 10 years, I've averaged slightly over $550/year maintenance per car. That includes a mix of old and new cars, independent and dealer servicing, some well over 10 years, driving 5k-12k/year, none getting close to 150k miles.
by gd
Wed Apr 18, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6825

Re: Your Money Or Your Life

Skimmed the article, seemed better than usual in these things. For me frugality was a hobby, a lifestyle choice. It requires great time and effort, basically directing your time directly to basic tasks of life, rather than to earning money to pay other people to do stuff for you. It is more a philos...
by gd
Sun Apr 15, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3305

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Decades ago I had a long, complicated mess involving botched employer health insurance and a health center that went to a collection agency before I realized it'd been mishandled. I wrote the collection agency a detailed letter describing why their claim was invalid (and mentioned that I didn't live...
by gd
Fri Apr 13, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2176

Re: Cedar Fence: is Maintenance required?

Climate likely matters. My cedar fence was not maintained, never stained or painted. It slowly collapsed as wood rotted until it was dangerous to leave it standing. Replaced with pine. One of the most curious things about this forum is that people are meticulous about demanding financial circumstan...
by gd
Wed Apr 11, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6050

Re: Owners Title Insurance - Super Heavy Handed Pitch

I had a "mistake in my property line" due to survey errors discovered when formally marking an ambiguous line with my neighbor, two different mis-measurements or recording errors obvious enough to confirm with a length of clothesline. I saw nothing in my title insurance that covered this case, and t...
by gd
Sun Apr 08, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly estimated taxes for 2018, but haven't filed for 2017
Replies: 3
Views: 264

Re: Quarterly estimated taxes for 2018, but haven't filed for 2017

I pay the amount of my last year's taxes. In your circumstances, I'd take my best estimate for the current year, pay 1/4, then when last year's taxes are finalized-- unless I had a specific reason to think this year's taxes would be much less-- change the payments to pay last year's tax amount exact...
by gd
Wed Apr 04, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 654

Re: Suspected Quicken Bug on Capital Gains

On further thought, I retract my statement about never finding a bug in Quicken. I do all entries by hand, no downloading. In the past I have had problems reconciling bank statements. It appeared that a specific entry doesn't get processed properly when clearing the list of transactions, and with al...
by gd
Tue Apr 03, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 654

Re: Suspected Quicken Bug on Capital Gains

Basic common sense, it's pretty unlikely Quicken has an arithmetic bug. In 20+ years, it's always been operator error with me. My cg numbers often don't match Vanguard's because of pre-2012 basis, but the Quicken are accurate, not Vanguard. Otherwise, would presume you've got some sort of duplicated...
by gd
Sat Mar 31, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3592

Re: taxes: e-file vs. paper

fantasytensai wrote:
Fri Mar 30, 2018 12:23 pm
I believe it was a rumor, but some swear by it.
I believe you have caught the essence of current-day American culture in a single line. :D
by gd
Fri Mar 30, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: bid-ask spread for limit orders
Replies: 24
Views: 1598

Re: bid-ask spread for limit orders

I have many experiences of taking so long to worry about such issues that the market moves far beyond those effects. Try it yourself- how much has the price varied as you've first started thinking about this, posting, and waiting for replies?
by gd
Fri Mar 30, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3883

Re: Comparison of grocery prices?

I am the same, but I think the point of the thread is to showcase just how much different areas/regions vary in price. OP says stores, not areas/regions. Problem is that area/region can make absolute prices pointless, you've got to compare various stores in your area and post the differences, not a...
by gd
Mon Mar 26, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3025

Re: $35/month for washer dryer rental?

Don't buy a used washer/dryer for anything more than a trivial amount you are willing to lose, unless you are quite sure of what you are doing-- including from local dealers, unless they offer a good warranty. We were living in an expected short-term rental and not wanting to burden myself with some...
by gd
Sun Mar 25, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: health care fund vg taxable
Replies: 4
Views: 466

Re: health care fund vg taxable

In addition to above, congratulate yourself on a fairly good long-term investment. Hindsight is nice, but actual results are more useful. Schedule a controlled cash out and move to the index fund if it really bothers you. There's worse things in life than paying cg tax below regular income rates on ...
by gd
Sun Mar 18, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 34445

Re: What if you only live off dividends?

If I understand your thrust, it boils down to "you can beat the market by chasing dividends". Hmm. Good luck with that. Not to overly disparage the "full service broker" without knowing him, but I'm skeptical that such a great talent would be wasting his time messing with clients. With his market b...
by gd
Sun Mar 18, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 34445

Re: What if you only live off dividends?

People who are really serious about dividends and living off of them do not use the SP500.They usually create portfolios of stocks that pay higher dividends and that grow their dividends.They are not living off 2 pct yields. Yes. I've recently been pulled into involvement with some pots of investme...
by gd
Sat Mar 10, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3463

Re: Getting Rid of Comcast Modem

I'd guess this is violating the service agreement. You aren't using the equipment required for that service. Their system is probably detecting a fault in your voice service, requiring their attention. The real reason is more likely that that combination of prices simply maximizes their revenue by e...
by gd
Tue Mar 06, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Painter did a sloppy job -- seeking advice on next steps
Replies: 28
Views: 2903

Re: Painter did a sloppy job -- seeking advice on next steps

Future work will not be better, it'll be worse because he doesn't have the competence to do much better, and he knows he won't get paid. Don't let him back in your house. Write it off. Try a larger, more established company next time and hope you get lucky. Be happy it was something that can be repa...
by gd
Mon Mar 05, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: dad insists on gifting me all his money- help!
Replies: 23
Views: 4441

Re: dad insists on gifting me all his money- help!

i do not want him to go to a long term care/skilled nursing facility and neither does he. most of the responses have assumed that is the plan for gifting his money. he will stay at home and we will hire help as needed. he wants to die at home or in the hospital, no where else. as i mentioned earlie...
by gd
Mon Mar 05, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Cell phone service & phone recommendation for seniors
Replies: 10
Views: 836

Re: Cell phone service & phone recommendation for seniors

You note that you're seniors, imply you've not used smart phones. This was an extreme case, but I've just switched someone from inexpensive Republic Wireless to fairly expensive GreatCall/Jitterbug. They were flatly unable to use the 4.5" standard android phone, are making some progress with the lar...
by gd
Sat Mar 03, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley wants my 410K and everything else, Why?
Replies: 63
Views: 5500

Re: Morgan Stanley wants my 410K and everything else, Why?

OP welcome. What expenses are you paying for your 401k? If they are high, then it would make sense to move those assets to Vanguard or Schwab (both have excellent low cost mutual funds/ETFs). Agree with others, move the Morgan Stanley funds to Vanguard or Schwab. I feel stupid asking this question ...
by gd
Fri Mar 02, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5163

Re: What age is too old to stop hostelling?

FWIW, it occurred to me that my hostel use was usually away from city centers, often in old mansions or remote areas. The site was the attraction as much as the low cost. Usually no nightlife nearby, so the party travellers were in the cities. Other guests were often slobs, but no worse than my coll...
by gd
Thu Mar 01, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5163

Re: What age is too old to stop hostelling?

It seems like in the U.S. we think of hostels as an exclusively youth thing, but in Germany (which has a strong tradition and network of hostels) it's very much accommodation for all groups, including families. German hostels are spotlessly clean and a great way to travel the country on a budget. I...
by gd
Wed Feb 28, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5163

Re: What age is too old to stop hostelling?

I've done it into my 30s, a long time ago. The drunks weren't the problem, it was the snorers. And decades later I still recall one guy with unbelievably smelly socks, NZ I think. The drunks were in US gov't (national and state) campgrounds, relentlessly, unbearably, across the entire country. All a...
by gd
Wed Feb 28, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying to Build an Apartment on my Son's House
Replies: 6
Views: 1255

Re: Paying to Build an Apartment on my Son's House

Sounds like you're thinking of finances; my family has had a different set of issues. Have a very clear understanding of what your lifestyle relationship is, and what support your son & spouse will provide for you as you age. For example: What expectations of privacy are on both sides? Are you havin...
by gd
Mon Feb 26, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5960

Re: 3 layers of roof. Pull my offer??

I just had a 3-layer garage reroofed, I let it go 11 years vs. my original intention of 1-2, and then just because of appearance. It's not an issue. You might do it in 5 years vs. 10, or next year if it bothers you. A competent roofer will recognize and charge a bit more for the extra work. But I'd ...
by gd
Mon Feb 26, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 4423

Re: What books changed your outlook on how you should invest?

Formed more than changed: Bendat & Piersol, "Random Data", and a few other Probability and Statistics & Pattern Recognition texts revealing to me the remarkable ability of the human brain to perceive patterns in anything. Honorable mention to "Your Money or Your Life", presenting the idea of a fruga...
by gd
Fri Feb 23, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3173

Re: How Do People Without Computer Access Prepare and File Their Taxes?

There's an order form near the end of 1040 instructions, page 102 on 2017. 10 days after they get order. Pre-internet, I'd do this overseas and tried to order the basic stuff ASAP, anticipating there'd be something else I might need. The pubs and forms I needed tended not to change year by year, unl...
by gd
Sun Feb 18, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11627

Re: What has been your most important skill in achieving financial independence?

Easy, definitive answer in my case. Not following my professional coworkers and upgrading my lifestyle significantly from when I was a minimalist student. Not sure this is so meaningful any more; the few college students I've followed in subsequent generations didn't live like I did. Not passing jud...
by gd
Sat Feb 17, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 24751

Re: TurboTax Prices

I returned my online Turbotax CD for free Federal / state file.... Because ofcourse on the back of the CD it says "Federal only file, State $37.99.... Good ol Turbotax. Returned that crap so quick and filed online for free through esmarttax.com. I'll never go back to Turbotax If you bought a CD to ...
by gd
Fri Feb 16, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1763

Re: Using cFiresim

Compare FIRECalc's 100% small cap value and 100% SP500 results. Look at the down side. More volatile investments give bigger up, bigger down. Isn't that all that's going on here?
by gd
Fri Feb 09, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 2079

Folding bicycles

I'm looking at folding bicycles good enough for recreational use-- easy to unfold/fold, and ride 10-20 miles on easy terrain, 7-8 speed probably ok. Never tried them, but I'm wary of 20" wheels. I've got a good area store that carries Tern and Montague, so eyeing Tern Node D8 or Montague Crosstown o...
by gd
Fri Feb 09, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6216

Re: Washer/Dryer longevity ?

Curious if the HE washer complaints are referring to front or top loaders. I've got a 15-year-old mid-quality (Privileg, roughly what Kenmore used to be) front loader in Germany that cleans clothes vastly better than my US non-HE top loader. It uses a small fraction of the water, needs only cold wat...
by gd
Thu Feb 08, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2315

Re: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?

gretah wrote:
Thu Feb 08, 2018 12:58 am
Malware could be doing nasty things to your computer and taking speed down.

I've had that happen to my Mac, twice.

Take the computer into the shop ASAP. Last time, I had to replace the hard drive.
Experts had to replace the hard drive because of malicious software? Why?
by gd
Thu Feb 08, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Scrapping old computer parts
Replies: 25
Views: 1809

Re: Scraping old computer parts

It's best a local recycling issue, and you don't give your location. Contact whatever local, regional or state authorities deal with waste disposal. They're generally interested enough in keeping it out of the landfills to give some assistance. You can try area electronics stores like Best Buy, but ...
by gd
Wed Feb 07, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Health Care Fund vs. Health Care ETF]
Replies: 4
Views: 463

Re: [Vanguard Health Care Fund vs. Health Care ETF]

When the numbers look bad, find better numbers :D . The difference in 10-year annual total return after taxes seems to be more like .1%. I've no complaints about VGHAX over 2 decades, but switched recently because the cg distributions were disrupting other planning.
by gd
Tue Feb 06, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2863

Re: Comcast Modem Rental

As I understand it, the problem with buying used is that there's a reasonable chance it's a rental that was never returned, and thus Comcast's stolen property. Buy new, it'll pay for itself within a year or two. As above, if you have phone through Comcast (digital voice) you'll need a more specific ...
by gd
Fri Feb 02, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund
Replies: 8
Views: 989

Re: Vanguard Healthcare Fund

Not sure exactly what you're
WhiteMaxima wrote:
Thu Feb 01, 2018 3:49 pm
VHT lower fee
And I believe lower cg distributions, with negligible performance differences. It's a sector, it does its thing while others do theirs. As much as any can, anyway.
by gd
Thu Feb 01, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9078

Re: WHY do wireless routers need periodic reboots?

The state of software engineering is currently similar to the state of engineering 100 years ago when boilers would explode, bridges would collapse, etc. Interesting analogy, but I'd say more like post-classic dark ages Gothic cathedrals that collapsed until they happened to get the walls thick eno...
by gd
Wed Jan 31, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4732

Re: Frequent Flier Miles 101

So... do you want a new hobby? :D
by gd
Wed Jan 31, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3743

Re: Should I join Linkedin?

Slow morning, piling on. I joined it for a year a long time ago for a hobby career, particularly to give potential customers (lots of tech people) a credible means for reviewing my background. There was an unending stream of suggestions for connections with people I could see no reason to connect to...
by gd
Sun Jan 28, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax glitch w/Form 1116 when e-filing
Replies: 13
Views: 1149

Re: TurboTax glitch w/Form 1116 when e-filing

I also don't think the printout reflects the e-filing submission directly. Can you print (or create a pdf to save) the missing page or entire 1116 separately?