Search found 1099 matches

by gd
Thu Sep 22, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 2799

Re: Companion Dogs for an older person

Do not get a dog for any elderly person unless you have a specific plan for what will happen to the dog when the person 1) cannot care for daily needs such as walking or veterinary care 2) needs to go into an assisted living situation, none of which will accept dogs, 3) dies. Do not underestimate th...
by gd
Tue Sep 20, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2667

Re: Advice on snowblower

Thanks gd. Living in the country as I do, I am limited to really just a Sears,Home Depot and Lowes about 15 minutes away. No other power stores near me. HD and Lowes both sell them around 6-800ish. Not really sure on quality from these large box stores? Huh. My experience is that those sorts of sto...
by gd
Mon Sep 19, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 2667

Re: Advice on snowblower

I would- and did- go to a small power equipment store near me. They gave me a reasonable assessment of my needs, probably upsold me slightly from what I had expected-- which I have since been very happy about-- and have been available for minor issues since. You won't get that with craigslist or big...
by gd
Sat Sep 17, 2016 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Travel to Europe, buy new cars, expensive iPads and Louis Vuittons
Replies: 5
Views: 1188

Re: Travel to Europe, buy new cars, expensive iPads and Louis Vuittons

I see no problem with it, as long as you sell the house first to lock in the gains and put them aside as surplus to your core financial needs.
by gd
Thu Sep 15, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10605

Re: How much is your cell phone bill?

I've got two lines on Republic Wireless, and while otherwise satisfied (and pay less than most above), on a recent trip to a rural area where it was really important that I get access to modest internet, got skunked-- RW uses Sprint, which heavily poaches Verizon in rural areas, and RW has outrageou...
by gd
Mon Sep 12, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: Emergency SmartPhone for a 90+ year old
Replies: 41
Views: 2375

Re: Emergency SmartPhone for a 90+ year old

One other thing, if you do get a phone then once it is setup wait a week before you give it to her. This will allow you to see how many junk calls you get. If someone else had that phone number recently you may get lots of junk calls. If that is the case then you can just call the provider and ask ...
by gd
Tue Sep 06, 2016 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Convincing spouse to sell losing investment
Replies: 52
Views: 2998

Re: Convincing spouse to sell losing investment

Change a part of it, either one stock or, probably easier, a part of one or more stocks-- 25%, 50%. Don't present it as the first step, just as a token act, an experiment. It'll happen, world won't end, discomfort recedes after a few days, next move is easier-- or not, in which case you've got only ...
by gd
Mon Sep 05, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 1805

Re: Trip to Germany

If you want some rural flavor, internet search viehscheid.
by gd
Mon Sep 05, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 1805

Re: Trip to Germany

You're more likely to misplace your valuables than have them stolen in Germany. Oktoberfest might be an exception, and the bustling pedestrian zone of central Munich has the same "don't be dumb" rules of any big city crowd. Outside of those? As close to zero as anywhere. Contingencies and ...
by gd
Sat Sep 03, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6641

Re: Frustrated Losing Weight!

Like financial frugality, I've found it's a lifestyle issue. No junk food in house, minimize processed food (that's *most* of what grocery stores sell!) limited portions on the table, avoid eating in restaurants, never fast food, take brown-bag food whenever possible, stop eating when not hungry vs....
by gd
Sat Sep 03, 2016 6:03 am
Forum: Personal Consumer Issues
Topic: Magazines on an IPad?
Replies: 5
Views: 631

Re: Magazines on an IPad?

I currently have Scientific American obtained via an unneeded frequent flyers account on an iPad. Sometimes I even remember it and read an issue or two. The app is quirky, the publication a shadow of my childhood memories of it, but it's ok. Wouldn't consider it on a monochrome or smaller screen.
by gd
Sat Sep 03, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning options for tricky family situation
Replies: 28
Views: 3103

Re: Estate planning options for tricky family situation

I had looked at US Trust and their fees were staggering, particularly for smaller trusts. I think bsteiner has said places like that become competitive for much larger assets, but for something the size of the OP's situation I came away thinking it would have been much more than 1%, maybe over 2%. ...
by gd
Fri Sep 02, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: EBay price - how is this possible?
Replies: 31
Views: 4056

Re: EBay price - how is this possible?

Don't know about eBay, but order from amazon and you'll get chinese-character email spam for the next year. Lots. No clue how they monetize sending chinese spam to US-based email domains. Even more baffling to me, I've bought bulk packages of touch screen stylii. First thing I test them and throw ou...
by gd
Fri Sep 02, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Can company convert to auto renewal without your permission?
Replies: 13
Views: 996

Re: Can company convert to auto renewal without your permission?

I also use shopsafe, but you're talking about debiting and checks, so this is presumably a bank's checking account. I was thinking "hell no", until noticing you've got a service contract. Not so clear-- what's the difference between sending you an invoice and debiting your account, once th...
by gd
Wed Aug 31, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?
Replies: 37
Views: 2575

Re: Car Shopping - Early 2000s Mid-Sized Car Reliability under $5k?

Perhaps you've already considered this, but newer styles of small cars have much more headroom than before, since everything's SUV-styled. The other body proportions may not fit, no clue. A 2010 Fit seems to be about $6-7k, you can probably hit your budget with a much newer car if you downsize your ...
by gd
Mon Aug 29, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 65
Views: 4769

Re: Buying house near church

Problem would be if they expand and take away on-site parking (hopefully city would stop that but you never know). You can certainly check what the zoning laws are, and what the process is for granting exceptions to them. Around me it involves public notices & hearings. Common sense probably gi...
by gd
Sun Aug 28, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2161

Re: B&M banking - heading the way of record stores, what to do

Local banks around me are slowly consolidating, but hardly disappearing. What has changed is that online services are as good as larger banks. I use an online bank when I want to hold lots of cash for a long time, but the actual dollar amounts resulting from the differences in rates are usually pret...
by gd
Sat Aug 27, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 2168

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: 3857

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: 6782

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: 869

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: 869

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: 1443

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: 3225

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: 3225

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: 606

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: 3965

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: 1864

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: 1911

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: 2714

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: 2395

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: 47
Views: 4483

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: 5243

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: 2711

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: 4620

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: 9010

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: 2197

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: 153
Views: 10564

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: 7841

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: 2566

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: 4324

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: 4832

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: 6640

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: 5921

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: 13301

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: 2459

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: 1727

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: 2134

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: 4160

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: 5978

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.

Go to advanced search