Search found 831 matches

by htdrag11
Tue May 23, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3103

Re: Rice Cooker

Do you folks wash your rice prior to cooking it? Wash - I mean - cover with water stir until water turns white - drain - and repeat about 2 more times until water is clear? If you don't do this - you usually have a gel like goop mess to deal with. I always do, but I don't enjoy the process at all. ...
by htdrag11
Tue May 23, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: How to sell bonds?
Replies: 3
Views: 447

Re: How to sell bonds?

denismurf wrote:Unless you are desperate, hang onto those bonds until maturity rather sell them on the secondary market, where you not receive anything close to their listed fair market value.

Guess I would just moved them over. Thanks.
by htdrag11
Mon May 22, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell bonds?
Replies: 3
Views: 447

How to sell bonds?

I'll be in the process of moving last of my actively managed accounts from TD to Vanguard Brokerage. 20% of the portfolio are held in 8 various bonds, such as Wells Fargo SUBORDINATED MEDIUM TERM NOTE maturing in 2023. I have sold stocks before, but never bonds. How does one submit an order to liqui...
by htdrag11
Mon May 22, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 30
Views: 2244

Re: Need new Router/Wifi Networking Ideas

CyberBob wrote:
blueman457 wrote:(although cyberbob I might take you up on your offer!)

I've got two left now. Somebody snapped up the third one.
Although, if you've already got one, adding two more as extenders should be more than enough, unless your house is hotel-size :D


You've PM.
by htdrag11
Mon May 22, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 3103

Re: Rice Cooker

DW does not like to splurge, except for her Zoji and the Instant Pot (still way cheaper than the former).
by htdrag11
Fri May 19, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fixing 20 Years of Mistakes
Replies: 9
Views: 1306

Re: Fixing 20 Years of Mistakes

OP, If you really want to be lazy, then put it all in one fund, such as Vanguard Wellington Admiral, or Balanced Index, or a Target Date fund. For my family, I told then when I kick the bucket, they could just continue to consolidate all other funds into Wellington since they could afford the risk. ...
by htdrag11
Wed May 17, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads - migrating more money to Vanguard
Replies: 3
Views: 548

Re: Thank you Bogleheads - migrating more money to Vanguard

My pension was a lump sum payment that has gone through 3 CFAs/CFPs; the 1st one did a tremendous job but gone burnt out and retired early. The 2nd one told me that it did not cost me anything, until I got hit with a backend load from MFS. The 3rd one has done slightly below market average and charg...
by htdrag11
Wed May 17, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads - migrating more money to Vanguard
Replies: 3
Views: 548

Thank you Bogleheads - migrating more money to Vanguard

It has been a long saga of consolidating my own accounts since I stop actively working from the beginning of the century. With all your help, I've moved my various "401k" moneys from a CFA/CFP back in 2014, and it has blossomed nicely than previously managed. Along the way, I've also reduc...
by htdrag11
Tue May 16, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 1967

Re: Where do you get your tea ?

I drink British tea occasionally but it's DW's favorite:

https://www.amazon.com/Tips-Bags-Free-t ... ds=pg+tips

I'm a coffee drinker primarily and Chinese tea comes 2nd, with many varieties.
by htdrag11
Tue May 16, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a friend in choosing CFPs
Replies: 4
Views: 426

Re: Helping a friend in choosing CFPs

Here's a video by Rick Van Ness. https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy Schwab is now offering a robo service with 24/7 access to an advisor. Might work for your friend as long as they are using low cost index funds. http://www.investmentnews.com/article/201612...
by htdrag11
Tue May 16, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Helping a friend in choosing CFPs
Replies: 4
Views: 426

Helping a friend in choosing CFPs

Friend of mine is uncomfortable in DIY, and need some "professional" handholding 3x-4x times per year in overseeing her investments. She provided me with couple of advisors. One charges 1.5% AUM while the other 1.0. The latter provides financial planning for about $2k. :oops: I checked out...
by htdrag11
Sun May 14, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 3411

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

We do not have CNBC, just Bloomberg. It's not worth 4 hours of my time; maybe 2 hours?

Next on my list is Enron: The Smartest Guys in the Room. It's under 2 hours.
by htdrag11
Sun May 14, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9230

Re: Was there a $$$ number after which things got easier?

For me, it's whatever doubling of my current budget.

For example, my current budget is $50k/annual. If taking out 3%/year of my portfolio yields $100k, then I'm home free, practically.

At this juncture, I'm doing fine with taking only 2% and had not taken out our SS money yet.

YMMV :beer
by htdrag11
Sat May 13, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5920

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emerging Markets ETF (EEM). Furthermore, he is PASSIVELY shorting an index. Anyone see the irony in this? I've been trying to wrap my head around that as well. Gundlach's company is called DoubleLine, not DoubleTalk. :D
by htdrag11
Fri May 12, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

Re: LP Equity LLC - legit?

I stand corrected. The LP came back with a decent 50% offer on the purchase price of the asset, much better than some of the limited partners thought. Unfortunately, the GP would not budge. When offered to the GP to match the price, the GP claimed that would be cheating his partners. He could double...
by htdrag11
Thu May 11, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Do we need a separate water filtration system?
Replies: 13
Views: 890

Re: Do we need a separate water filtration system?

Soft water is nice. At first I thought it felt slimy during a shower, now I don't like showering without it. +1. It's strange how we adapt. We've our own well. We put an old Amway filter underneath the kitchen sink and had been replacing with GE filter cartridges since the last century. Cost was ab...
by htdrag11
Wed May 10, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with credit freeze charges?
Replies: 23
Views: 2257

Re: What's the deal with credit freeze charges?

Anyway, the worst credit freeze scam has to do with the Social Security website. One of the agencies, Experian, I think, has a contract with SSA to manage the process for identifying individuals applying for SS online accounts. But if you are trying to create an online account on the SSA website, y...
by htdrag11
Tue May 09, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 5920

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

Between him and Warren Buffet, I trust the latter in investment ideas with a much longer track record.
by htdrag11
Fri May 05, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

Re: LP Equity LLC - legit?

Just to close the chapter, needless to say that LP Equity LLC snail mail was a legitimate fishing expedition, but never got a call back or further reply from them. All they want was whether other partners were interested in the "deal". It did instigate the general partner to send out a let...
by htdrag11
Wed May 03, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 3645

Re: Car Warranty Lies

Late to this discussion. Car warranty could be bought from another party, not just the dealer. Dealers' versions are usually pegged with at least a 35% markup. I bought tire warranty with my last CPO purchase since I go out to the metropolitan area every two weeks. Tires worked out fine but had my r...
by htdrag11
Wed May 03, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Least expensive new or refurb portable Windows computer
Replies: 21
Views: 1145

Re: Least expensive new or refurb portable Windows computer

Traveller wrote:
One more datapoint: I just purchased a new laptop for my wife from BestBuy last weekend. It is a Lenovo with Windows 10 and sale price was $145.


Which Lenovo model was it? Thanks.
by htdrag11
Mon May 01, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Financial NonAdvice
Replies: 12
Views: 1448

Re: Financial NonAdvice

I have been disappointed in the past with financial planners and wealth managers as I do not believe I have gotten my money's worth. Current Investment: Vanguard ETFs VOO (48%), VXUS (32%), BND (14%), BNDX (6%). You are starting to realize that there is no point in paying an asset manager to hold y...
by htdrag11
Mon May 01, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Insurance companies
Replies: 7
Views: 874

Re: Medicare and Insurance companies

The rating of an insurance company does carry some weight. Their financial stability can play into future rate increases a lot. One thing to look at when comparing companies is what their loss ratio is in your state and nationwide. If they are paying out a high percentage of their premium income in...
by htdrag11
Sun Apr 30, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Medicare and Insurance companies
Replies: 7
Views: 874

Re: Medicare and Insurance companies

A member pointed out that if I am healthy, I should go for N instead of G to save some money down the road.

No one has a crystal ball, sort of like timing the market? Insurance is a long term plan, like investment. Am I a minority?
by htdrag11
Sat Apr 29, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Insurance companies
Replies: 7
Views: 874

Medicare and Insurance companies

I'll be signing up for Medicare next month and has narrowed down to 2 companies operating in NJ: - United of Omaha - AARP/UHC - Transamerica 1. How are their customer services? 2. How are their rate increase year-ove-year pattern? Most likely I'll go with Plan G rather than N since premium is not a ...
by htdrag11
Sat Apr 29, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 6900

Re: Senior Lifetime National Parks Pass Fee Going Up

The "Application Form" link was fine. None of that has to do with browser, OS, platform or cache.

I had to paid first before they verify my ID, sort of backward. For $20 online, cannot complain.

Thanks.
by htdrag11
Sat Apr 29, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2683
Views: 732321

Re: What Movie Have You Recently Watched?

The Eagle Huntress, http://www.imdb.com/title/tt3882074/?ref_=rvi_tt It's about the fighting spirit of a 13-year old Mongolian girl who desired to be the first of her kind in competing in a men's world to be an Eagle Hunter, a very uplifting story with gorgeous cinematography. Song was by Sia and na...
by htdrag11
Fri Apr 28, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 6900

Re: Senior Lifetime National Parks Pass Fee Going Up

LadyGeek wrote:Clear your browser cache and try again.

Here's the link in human readable format: Senior Pass Also, the application form.


Tried that but still faced the same error.

Also tried my Windows X with Firefox and IE with same error. :confused
by htdrag11
Fri Apr 28, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Breath of Fresh Air - Leaving Ameriprise
Replies: 13
Views: 1129

Re: Breath of Fresh Air - Leaving Ameriprise

Remember that you don't need your Advisor's permission to move the funds. The advisor has no incentive to do help you. Call Vanguard and let them pull the funds over for you, they do this all the time. This is good advise from LadyGeek so that there is little or no tax implications on the funds mov...
by htdrag11
Fri Apr 28, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 2605

Re: The Wolf of Wall Street is on FX tonight - Worth watching???



Classic. Thank you for bring back that scene with Mathew McC. Where are the Customers' yachts?
by htdrag11
Fri Apr 28, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 6900

Re: Senior Lifetime National Parks Pass Fee Going Up

htdrag11 -- go to this page where there is a link to the application. https://www.nps.gov/planyourvisit/passes.htm#CP_JUMP_5088578 Thanks to the OP I sent mine in awhile ago and have received it. I turned 62 last year so I was lucky that I just qualified. Good luck. I did but to no avail. Used Chro...
by htdrag11
Fri Apr 28, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Breath of Fresh Air - Leaving Ameriprise
Replies: 13
Views: 1129

Re: Breath of Fresh Air - Leaving Ameriprise

Welcome aboard, outahere! :D
by htdrag11
Fri Apr 28, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 6900

Re: Senior Lifetime National Parks Pass Fee Going Up

I went to the site https://store.usgs.gov/pass/senior.html There is no online form or application from (PDF) to download. Am I doing something wrong? I could create an account but then it asked me to pay $20. Was there additional steps after payment? Thanks. BTW, the nearest park is about 1.5 hours ...
by htdrag11
Fri Apr 28, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 2605

Re: The Wolf of Wall Street is on FX tonight - Worth watching???

W/o commercial it is 3 hours; 4 hours is a life time for watching a single movie. I did enjoy it but it's not likely for a re-watch. :mrgreen:
by htdrag11
Thu Apr 27, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2683
Views: 732321

Re: What Movie Have You Recently Watched?

Diva.

http://www.imdb.com/title/tt0082269/?ref_=rvi_tt
It's a delicious French film based on a novel. Acting was OK but the plot was intriguing. If you enjoy music and crime, this is a sweet treat for both sound and cinematography (video is OK since it was not restored).
by htdrag11
Sun Apr 23, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2683
Views: 732321

Re: What Movie Have You Recently Watched?

La La Land - I'm bias. I'm the kind of person who likes Elvis movies but not your typical Broadway musicals, with the exception of Les Mis and Phantom of the Opera. With that in mind, I did not find this movie living to the kind of hype being an Oscar winner. There is chemistry between the 2 leads w...
by htdrag11
Sat Apr 22, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2683
Views: 732321

Re: What Movie Have You Recently Watched?

Get Out, very deep. I need to see it again. +1 Great plot. Excellent acting. Anyone reading this that want to see the movie.. don't watch the trailer. Gives away too much. I did go see it twice and that was worthwhile. Reaction the first time: "Oh, wow, geez! Gotta think about this a little.&q...
by htdrag11
Thu Apr 20, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 4978

Re: Visualizing the devastating impact of fees

As already mentioned, at https://vanguardblog.com/2011/10/28/stopping-the-silent-killer-of-returns/ shows a 2.00% return actually costs you MORE than 50% of your returns over 40 years (54.7% to be precise). http://lookpic.com/O/i2/360/yJKv139M.jpeg This is the best telling chart among all. Thank yo...
by htdrag11
Thu Apr 20, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1387

Re: About lawn sprinkler sytem

Not so much advice on lawn sprinkler system, but If you mow your own lawn, you would minimize head damages. Replacing heads are quite straight forward even for klutz like me. For 1/3 acre, sure you could not do it manually with timer? 8 zones seem to be very liberal. I've an acre on 10 zones. How is...
by htdrag11
Tue Apr 18, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching to Creative Planning
Replies: 3
Views: 493

Re: Thinking of switching to Creative Planning

According to their site, they got 2 big name advisors on their board, J. B. Quinn and Tony Robbins. Right there alone is worth at least .2%. :mrgreen: https://thinkingbeyond.com/who-we-are/#advisory-board Any of the robo-advisors would be less expensive, as well as Vanguard. Here is an old link on C...
by htdrag11
Tue Apr 18, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

Re: LP Equity LLC - legit?

Unfortunately, per the RELP agreement, there is no substitution for any of the partners from outside, or the GP's concurrence. It's a very incestuous relationship. So it's SOL on my MIL's part, as well as other partners.
by htdrag11
Sun Apr 16, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

Re: LP Equity LLC - legit?

I know people in their 70s and 80s who should be getting out of owning rental property, but they don't-- once it's in the blood, it's in the blood. Do you mean blood (disease)? :mrgreen: Yes, he thinks that commercial real estate is bounded for a rebound (after 30 years). You heard it here 1st. :P ...
by htdrag11
Sun Apr 16, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

Re: LP Equity LLC - legit?

Valuethinker, The 3 principals/partner look clean. MIL just wanted to close the book on this saga since she is even older than the GP. Someone will kick the bucket soon. The GP thinks that he is immortal, unlike most of us. The other rental apartment RELPs are fine; this is the only commercial prope...
by htdrag11
Sun Apr 16, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: LP Equity LLC - legit?
Replies: 10
Views: 774

LP Equity LLC - legit?

MIL has gotten a letter from LP Equity LLC regarding to liquidating her RELP from about 1990. All she needs to do is to submit 2014-15-16 K1's. She is a limited partner. General partner retains 50% plus and is not willing to sell (still losing money in commercial real estate after all these years :o...
by htdrag11
Tue Apr 11, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: The $90 Billion Investor Who’s Out to Fire Wall Street
Replies: 4
Views: 1780

The $90 Billion Investor Who’s Out to Fire Wall Street

N.C pensions got shafted by high management fees that they could not get out. The last statement in the article really got me boiling about the arrogance of Black Rock Inc. "Folwell says when he replied that the fill pipe is in the taillight, the BlackRock boss said the treasurer had passed his...
by htdrag11
Mon Apr 10, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Selling laptop with "bad" Win10 upgrade
Replies: 25
Views: 2122

Re: Selling laptop with "bad" Win10 upgrade

Donate it for a good course.
by htdrag11
Sun Apr 09, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 9957

Re: Designing Your Life

I posted the following (some edit) on the thread "Career advice on IT" about another one's perspective on a possible future career. "Here is an interesting talk by Jack Ma from Alibaba at a recent Global Transformation Forum in Malaysia (has a short 2 minutes commercial around the 11 ...
by htdrag11
Sun Apr 09, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6984

Re: Career advice in IT

Here is an interesting talk by Jack Ma from Alibaba at a recent Global Transformation Forum in Malaysia (has a short 2 minutes commercial around the 11 minute mark), about 40 minutes long. You may want to skip the first 10 minutes about his past failure. He believes the future will be moving from IT...
by htdrag11
Sun Apr 09, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: Lies, Damn Lies and Financial Statistics by Coy
Replies: 11
Views: 1973

Lies, Damn Lies and Financial Statistics by Coy

"To quote the burlesque strippers in Gypsy, you gotta get a gimmick".

https://www.bloomberg.com/news/articles ... statistics
by htdrag11
Sat Apr 08, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6984

Re: Career advice in IT

LOL wow! Th rgs9 post is certainly fodder for a lot of debate : ) First of all; an IT job with the federal government (FG) is OK but not for some of the reasons specified in this post. Our current administration has ordered a hiring freeze for the Federal Government. We don’t know yet what affect i...

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