Search found 1082 matches

by gd
Sat Aug 27, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 28
Views: 1710

Re: Where to mount winter tires?

I read that for best practice you should store them in airtight bags in a climate contrlled space. That's nitrogen-filled airtight bags, I believe. :D I had someone, don't recall if it was a chain tire store or my otherwise-trustworthy local garage, likely bugger up a bead on my seasonal tire-swap ...
by gd
Mon Aug 08, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Time to worry about Treasury Direct???
Replies: 31
Views: 3731

Re: Time to worry about Treasury Direct???

Note that it's a lot easier to read a text message on a flip phone than send one, and that's all you'd need here.
by gd
Sat Aug 06, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 6471

Re: new potential tenants negotiating on rent

How many of you had tenants negotiate their monthly rent? I was already giving them a break with the security deposit, and now they want more. If anything,I feel insulted. So you're already unhappy with them as tenants. If it was me, I'd point out the (dangerously) low security deposit, not budge, ...
by gd
Thu Aug 04, 2016 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 guidance
Replies: 14
Views: 842

Re: Form 1116 guidance

So you have <$300 in foreign tax paid from a single Fidelity MF, CG distributions only, no other unusual circumstances, and get a letter out of the blue from the IRS simply telling you you're missing Form 1116 and Schedule D? Makes no sense. My intuition is that even if you get someone on the phone,...
by gd
Wed Aug 03, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1116 guidance
Replies: 14
Views: 842

Re: Form 1116 guidance

I'd agree with the "Huh? Not enough information" responses. FYI, Turbotax (Deluxe, at least) will create the form even if it isn't normally required by going directly into the personal information form (not interview) and hunting down a checkbox that will force it. As far as I know, it wil...
by gd
Wed Aug 03, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Subaru Legacy Question.
Replies: 20
Views: 1406

Re: Subaru Legacy Question.

Just bought a different 2015 CVT model with 2.5, would have preferred and happily bought the 2.0 version they sell in Europe where hills are steeper, highways faster, use of light trailers more common, drivers more aggressive and life-risking passing on 2-lane roads a constant event. 33 mpg overall,...
by gd
Wed Aug 03, 2016 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding a bump to the next tax bracket
Replies: 34
Views: 3165

Re: Avoiding a bump to the next tax bracket

Calculate various scenarios with a tax preparation program to make sure you really understand the numbers, the thresholds and effects may not be what you're expecting. Personally, I would pay little attention to an extra 2% on marginal income at that level and consider myself fortunate to have that ...
by gd
Wed Aug 03, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding a bump to the next tax bracket
Replies: 34
Views: 3165

Re: Avoiding a bump to the next tax bracket

Calculate various scenarios with a tax preparation program to make sure you really understand the numbers. Personally, I would pay no attention to an extra 2% on marginal income at that level , or shrug it off and consider myself fortunate to have that situation.
by gd
Fri Jul 29, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Who should get Power of Attorney?
Replies: 6
Views: 593

Who should get Power of Attorney?

Upon advice of a prior lawyer, my spouse and I have given each other Durable Power of Attorney. Reviewing our estate and other issues, a new lawyer advised us to go further and additionally designate someone else the same PoA. They argue this is needed for circumstances where we are both incapacitat...
by gd
Fri Jul 29, 2016 5:51 am
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 3837

Re: It's too hot

I have a standard drill when the outside temperature is forecast near or above 90. With inside and outside temperature & humidity sensors displaying in the same place (recommend La Crosse Technology for this stuff), I open all windows in the evening when outside temps equal inside, maybe a few d...
by gd
Thu Jul 28, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 29
Views: 1812

Re: Comcast - lease modem/router or buy?

Important-- return the old leased modem, get a receipt in hand documenting the device serial number or any other identifier. Check your bills afterwards. Comcast is a big company with lots of grumpy disinterested clerks, it's easy for stuff to get lost and hard to prove you returned it without proof...
by gd
Thu Jul 28, 2016 6:09 am
Forum: Investing - Theory, News & General
Topic: Two-factor authentication via text messaging
Replies: 18
Views: 1856

Re: Two-factor authentication via text messaging

... We have voice verification at two of our three brokers. ... Have we done enough? Can anyone provide any evidence as to the robustness of voice verification? Even casual-- anyone had it fail to recognize them when their voice changed due to a cold? Given the fairly impressive skills of voice rec...
by gd
Thu Jul 28, 2016 5:41 am
Forum: Investing - Theory, News & General
Topic: Dividend stocks or real estate rental
Replies: 51
Views: 2659

Re: Dividend stocks or real estate rental

You don't seem to have factored in the labor as a landlord, or expense of someone else doing it.
by gd
Wed Jul 27, 2016 6:49 am
Forum: Personal Finance (Not Investing)
Topic: All eggs in one online basket - worried?
Replies: 18
Views: 2344

Re: All eggs in one online basket - worried?

I wouldn't do it, although with Vanguard I don't believe I have the options you have. I walk into my small, well-run local savings bank several times a year for services, and their online capabilities are quite adequate (and better than my BoA experiences a decade ago). I await your upcoming "h...
by gd
Tue Jul 26, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3044

Re: Buying a fairly new RV, suggestions.

My data is 15 years old, but even then the tent vs. RV experience depended entirely on the manner of travel. My spouse and I I travelled across the US and back car-camping, meaning tent alongside economy car for 4 months. The goal was travel, not backcountry commune with nature. We were staying in d...
by gd
Tue Jul 26, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 49
Views: 5092

Re: Planning for the "new normal": how?

Live below your means. It doesn't mean living on $xxx. Used literally, which I suspect not everyone does, it means being content with less than you could have. By definition you won't run out, you'll just adapt. If you've spent your whole life practicing that outlook, psychologically keying to relat...
by gd
Mon Jul 25, 2016 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Who can I name as executor if I have no family or friends?
Replies: 12
Views: 2346

Re: Who can I name as executor if I have no family or friends?

Butting in as I have similar interests, or leastways don't want to dump the task on people who do not want it. I don't see how the suggestions regarding trusts and charities answer the question-- you still need an executor, even if a lot has been diverted, right? I'd make things as organized and tid...
by gd
Sun Jul 24, 2016 6:35 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4482

Re: World VCR production is ending next month. What to do with my old VHS tapes?

That is interesting. So, say that I never get some of these home movies transferred off VHS tape to any other format. Say, in fact, they get put into storage and passed down through my family. Fast forward, then to 100 years from today. Say my descendents discover these tapes and want to view them....
by gd
Sun Jul 24, 2016 6:03 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8866

Re: Arrgghhh !!! Windows 10 installed overnight

Apparently July 31st is the last day the Windows 10 upgrade will be free. No pricing yet released for upgrades after that. Um, if I didn't want it for free, why on earth would I want to pay for it? :confused 1. You start discovering that new programs won't install without it or cause problems. 2. Y...
by gd
Thu Jul 21, 2016 6:09 am
Forum: Personal Consumer Issues
Topic: LED lights or bulbs
Replies: 21
Views: 2146

Re: LED lights or bulbs

Quality is absolutely a factor in CFLs, and apparently LEDs also. Among other factors. http://www.newyorker.com/business/currency/the-l-e-d-quandary-why-theres-no-such-thing-as-built-to-last He’s heard reports from China of people buying bargain L.E.D. light bulbs by the kilogram, knowing some would...
by gd
Thu Jul 21, 2016 5:53 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 123
Views: 8317

Re: What kind of car do Bogleheads like to drive?

Bought a 3-year-used domestic economy car 11 years ago as a temporary ride while my life stabilized, and just junked it. I've never made a firm estimate of how much money I saved with that car over my new-SUV peers, but it was a lot. I also really liked owning it. I never worried about scratches &am...
by gd
Wed Jul 20, 2016 6:22 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7634

Re: Why did the car salesman stop replying to my emails

There are regular threads about buying cars via widespread emailings and playing dealers off against each other to whittle their profits down to almost nothing. At some point the dealers are going to shrug and move on to more productive activities, like the people who just walked in their door. You ...
by gd
Wed Jul 20, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: Microsoft's latest "force Win10" tactic?
Replies: 22
Views: 2520

Re: Microsoft's latest "force Win10" tactic?

You'd make your lives easier if you decided what you're going to do when you eventually need a new PC, then go ahead and do it. In my case it was upgrade and get on with life. That said, everyone needs a hobby.
by gd
Tue Jul 19, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4243

Re: Stinky Washing Machine

After a good bleach soak, always leave the lid open when not in use even with an old top loading unit. There is likely some water pooling in the bottom (mine has 1/4"), and closed lid just leaves the tub constantly dank. I also use borax and 2nd rinse every load, which helps clothes and probabl...
by gd
Tue Jul 19, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4686

Re: Who do you not tip, and why?

Sheepdog wrote: I have tipped moving van personnel so that they may be more careful.

Which, presumably, needs to be done beforehand (as maybe a few other things people are naming). So, more like bribe. :D
by gd
Thu Jul 14, 2016 6:22 am
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6480

Re: Car totaled, no collision insurance

As your thread was in progress, I was off disposing of my old, unfashionable clunker that I was planning on happily driving for another year, but developed a doomed transmission. The high bid from junkyards (delivered, not towed) was $100. Yours is quite reasonable, all they're getting is used parts...
by gd
Wed Jul 13, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 62
Views: 5642

Re: Cell phone data plans

in the spirit of the OP, anyone know of a good one-stop summary of current low-cost, low-data plans? I'd agree to get something with the option of a low data (<=.5G), low cost monthly. If you've survived this far without a smart phone, you might find you don't need much. Or you might go crazy. I got...
by gd
Tue Jul 12, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 13112

Re: Are you going to shop on Prime Day?

4nursebee wrote:Only if they have beef

I'd go for the milk. Tuscan milk. It gets pretty good reviews.
by gd
Sun Jul 10, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Chances of <15% marginal income tax in retirement
Replies: 18
Views: 2402

Re: Chances of <15% marginal income tax in retirement

who knows what state I might be in. You know. And, you get to CHOOSE. Unless it is worthwhile for you to pay X% of state income tax on your deferred tax account, you get to CHOOSE not to live in that state. So, where is the problem here? Choosing what state to live in is a bit up from choosing what...
by gd
Sun Jul 10, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Upgrade, the saga continues
Replies: 14
Views: 1697

Re: Windows 10 Upgrade, the saga continues

I'm happy with it, except-- I've had an irritating problem the last few weeks with my desktop not entering sleep mode properly, the settings choices for such activity mysteriously changing from day to day, and sometimes having a mystery process eating 30% of the cpu after waking (that one I discover...
by gd
Sun Jul 10, 2016 6:28 am
Forum: Investing - Help with Personal Investments
Topic: How to get rid of fractional shares
Replies: 12
Views: 2063

Re: How to get rid of fractional shares

22twain wrote:
Epsilon Delta wrote:If you must show prejudice towards numbers, couldn't you at least reserve it for those that are unreal instead of just unnatural?

Imaginary shares? Wasn't that Bernie Madoff's specialty?

Multiply it by itself and, whoops, it's negative!
by gd
Sun Jul 10, 2016 6:20 am
Forum: Investing - Theory, News & General
Topic: Why do we assume that a well diversified portfolio will inevitably increase over the long term?
Replies: 52
Views: 4011

Re: Why do we assume that a well diversified portfolio will inevitably increase over the long term?

Expansion of the species resulting in overall growth. This leads to the question of whether that is inevitable considering limitations on resources vs. beneficial ingenuity. I don't believe that is knowable, but believe a permanent downturn is not likely in my lifetime, either national or global. I'...
by gd
Sat Jul 09, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Kid
Replies: 63
Views: 5847

Re: Trust Fund Kid

Return on investments is an interesting phrase in this context. It can be followed down all sorts of moral and philosophical trails concerning expectations and responsibilities of parents and children. I'd pursue some of those before doing or saying much.
by gd
Sat Jul 09, 2016 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone know of a good German finance forum?
Replies: 5
Views: 481

Re: Anyone know of a good German finance forum?

I don't believe you've said whether you are fluent in German, which I'd guess is the key. My experiences with non-tax-specific english-speaking German-oriented forums is to not bother, there isn't enough of a community to build useful expertise in such matters. Cell phone rates, renter/landlord prot...
by gd
Sat Jul 09, 2016 5:52 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3084

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

Just piling on at this point, but with a 10+ year old car (low-end models, foreign & domestic) I budget $300-600 / year for repairs (over routine maintenance). Anything within that I don't think twice, it's just part of the car's operating costs. Price out the replacement options and it makes se...
by gd
Fri Jul 08, 2016 6:26 am
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2743

Re: Mice in my grill

If you've found only one nest, you're overreacting. Clean it out (washing as well for odors that might attract the next mouse) and see if they come back. They may have come for the food smell, but they're staying for the attractive nesting opportunity. From my experiences, mice can jump maybe 1-1.5 ...
by gd
Sun Jul 03, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidate Funds Through Charitable Giving?
Replies: 8
Views: 646

Re: Liquidate Funds Through Charitable Giving?

I had a thread 2 months ago about giving a MF to charity. This can be surprisingly troublesome. To get a tax deduction at the current value of a Vanguard MF, the fund needs to be transferred to a charity having a Vanguard account. No destination Vanguard account, no current-basis tax deduction, and ...
by gd
Sun Jul 03, 2016 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 7751

Re: Worried about son's finances/life

1) should you be worried? No, what good will that do? Would you intervene? How do you think that will work out? 2) Will he be able to get employment again? Sure. Will he be happy with whatever he ends up with? No way to know, but he has likely already considered this point. Will you? Not if you seco...
by gd
Sat Jul 02, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: The G.I. Joe Fallacy
Replies: 29
Views: 4824

Re: The G.I. Joe Fallacy

Boy, this is sure true. I've explained all her cognitive biases to my spouse countless times, and she doesn't change a thing.
by gd
Fri Jul 01, 2016 6:46 am
Forum: Personal Consumer Issues
Topic: Safe, affordable European cities to travel?
Replies: 38
Views: 3706

Re: Safe, affordable European cities to travel?

Perspective is an interesting thing. Where I go in southern Germany, pre-teens walk, bike and scooter themselves to elementary school by themselves or with their siblings. I don't make a point of telling people I'm American, lest they start edging away from me fearfully. Ok, maybe that's an exaggera...
by gd
Wed Jun 29, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 123
Views: 13732

Re: Where to retire in New England?

Art2travel, I'd definitely rent first to get your bearings. Your best target is probably a landlord who wants a stable long-term tenant who will take care of and respect their property, not a landlord looking for maximum cash. Consider they may not be advertising online, they'll be in local newspape...
by gd
Wed Jun 29, 2016 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house that doesn't get any bids. Having Cold Feet!
Replies: 13
Views: 1888

Re: Buying a house that doesn't get any bids. Having Cold Feet!

Lots of old threads on buying houses. For anything older, I'd pay specific tradesmen to evaluate their specialties, being clear what your expectations are (e.g. "no disaster waiting to happen", or "ok for its vintage", or "up to current code"). As far as the investment ...
by gd
Mon Jun 27, 2016 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Variable Annuity Question, early withdrawal?
Replies: 11
Views: 848

Re: Variable Annuity Question, early withdrawal?

I've found my Vanguard VA to be within the long-term performance of my other investments, even more so considering the reasons I purchased it (which I do not claim apply to others). I haven't bothered to calculate precise numbers, but then I don't perceive a problem other than ignoring a steady stre...
by gd
Thu Jun 23, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Reading the news/newspapers [in digital format]
Replies: 16
Views: 1001

Re: Reading the news/newspapers [in digital format]

My 3g iPad is notably deficient in performance and content compared to a grownup PC. Over the years I've found my use of it reduced to the level of the old days of picking up a fluff-filled weekly magazine, flipping through a few pages, and putting it down. Content is often trimmed for mobile device...
by gd
Thu Jun 23, 2016 6:37 am
Forum: Personal Consumer Issues
Topic: Your favorite country to possibly retire to?
Replies: 89
Views: 6751

Re: Your favorite country to possibly retire to?

The question's like any "where to retire to", except an order of magnitude more extreme-- I wouldn't retire anywhere, domestic or overseas, I wasn't already familiar with and preferably had spent a lot of time in. That probably means some sort of connection. I've lived overseas and still s...
by gd
Wed Jun 22, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5852

Re: Should I express my inheritence thoughts to my father?

I think the implication in the opening post is that $X is enormously larger than $Y, meaning that any accumulated savings will become a rounding error. That's how I'm reading it, with some uncertainty. If so, what will likely happen is the OP will live happily with much-improved circumstances, and ...
by gd
Sun Jun 19, 2016 5:11 am
Forum: Personal Consumer Issues
Topic: Buying Quality Personal Property
Replies: 30
Views: 2664

Re: Buying Quality Personal Property

There are two ideas here-- buying relatively expensive stuff because you like it and your benefit justifies the impact on your finances, and because it is an investment (meaning the intention of harvesting an increase in value). Even if your motives include both, they are separate, with different cr...
by gd
Sat May 28, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: Lawn Replacement- Irish moss or ???
Replies: 12
Views: 1740

Re: Lawn Replacement- Irish moss or ???

Monoculture anything isn't likely to work out well long term, whether it be grass, moss, or daisy fields. That's just not what happens in nature. Populations ebb and flow-- particular species do well sometimes, not well others, and in the off times others fill in. Diversity allows resilience in chan...
by gd
Wed May 25, 2016 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Do I need both total stock market and small cap index fund?
Replies: 7
Views: 847

Re: Do I need both total stock market and small cap index fund?

The impact of small cap in TSM is small-- compare the "growth of $10k" graphs for S&P500 and TSM over 10 years, for example. If you really like the idea of having small caps, yeah, you probably need some separately to make a difference. If it doesn't excite you one way or another, forg...
by gd
Wed May 25, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 2140

Re: be my mother in law's financial advisor...or not?

I think you've done the right thing. Whether this specific guy was the best pick or not, who knows. But some people just want an authority-- real or perceived-- to get advice from and deal with as a real person they are on name basis with. Within reason, it's just part of the overhead of their life ...

Go to advanced search