Search found 796 matches

by htdrag11
Sun Apr 23, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676387

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: 2596
Views: 676387

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: 4692

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: 1284

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: 418

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: 8
Views: 497

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: 8
Views: 497

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: 8
Views: 497

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: 8
Views: 497

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: 1725

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: 1985

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: 82
Views: 8868

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: 6536

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: 1880

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: 6536

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...
by htdrag11
Sat Apr 08, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1577

Re: Extended CAR Warranty

I had probably gone through 20 cars between my wife and I. Only my current one has an extended warranty that kind of partially paid of - rear wheel bearing was replaced at 52k miles.

It's not worth it even if you can get a good deal for less than $2,300.
by htdrag11
Sat Apr 08, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6536

Re: Career advice in IT

1. Job Security when you are older. IT workers easily find themselves unemployed in their 40s and beyond and basically treated like dirt when applying for a new job. Many of my peers who were laid off/replaced via outsourcing/put into awful internal jobs with tons of pressure when older are doing t...
by htdrag11
Wed Apr 05, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6536

Re: Career advice in IT

I was in IT for about 20 years making decent living and was lucky to able to take early retirement and then consulted on my own for the next 14 years before retiring. I had gone through the whole career cycle of IT, from cradle to grave. Got my MBA and paid for in the 80's. It did not help my career...
by htdrag11
Wed Apr 05, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Accounting for Individual Stocks in Asset Allocation
Replies: 7
Views: 452

Re: Accounting for Individual Stocks in Asset Allocation

You can't have something equal to "total stock market" as long as you hold significant amounts of individual stocks. This is a cake vs eat it scenario. You can't have both, you have to pick one. They are US stocks. Count them as that. What you will have is 65% US Stock , 20% Total Interna...
by htdrag11
Wed Apr 05, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 2020

Re: Google Voice as secondary number: pros & cons

Another plus for GV is that it will flag telemarketer as spam. I did not know that until today. :D
by htdrag11
Tue Apr 04, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 90
Views: 13980

Re: Comfortable Vehicle Front Seats

Rlc250 wrote:Lexus 350 RX


+1. 2012.

Mine has both heated and ventilated (fans, not AC) fronts that are comfortable; never sat in the back. I like the height of the SUV over sedan for visibility. It's a quiet vehicle but has a rather insensitive steering wheel.
by htdrag11
Wed Mar 29, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: Black Rock is going Robo
Replies: 5
Views: 1168

Black Rock is going Robo

If you can't beat them, join them. Black Rock is going rogue on themselves. So where are the customers' yachts? "As part of the restructuring, seven of BlackRock’s 53 stock pickers are expected to step down from their funds. Several of the money managers will stay on as advisers. At least 36 em...
by htdrag11
Mon Mar 27, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4147

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Our daughter was a fed employee 2 years ago but converted to the "dark side" and never looked back. She was unhappy with the bureaucracy and the "dead woods" around her. She left with $700/month pension after only 8 years. Being single with no family and living in a high rent dis...
by htdrag11
Mon Mar 27, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7515

Re: Christine Benz's Three Bucket System

It's too complicated for my pay grade.

KISS!

Guess she needs to write articles to satisfy her client base. Glad I'm retired. :beer
by htdrag11
Fri Mar 24, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 290
Views: 36947

Re: What is your favorite consumer product?

Yaktrax was great this winter, no slipping on the ice yet, plus it is CHEAP! Chromebook is for the cheap inner nerd in me, but MBA is dummy proof. Lucas Oil Treatment saves me plenty over expensive (and probably poorly done) fuel injection cleaning service. Have 2 Aeron chairs from last century. Rep...
by htdrag11
Fri Mar 24, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 290
Views: 36947

Re: What is your favorite consumer product?

Followed closely by my 55" Panasonic plasma TV. Makes me happy every time I watch TV. Happy to see another Panasonic plasma fan; I got one just before they were discontinued. For those who really cared about picture quality, Panasonic plasmas were simply the best. We also have a 55" Panas...
by htdrag11
Fri Mar 24, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 290
Views: 36947

Re: What is your favorite consumer product?

I make steel-cut oats in my rice cooker (it has a porridge setting). I put 2 whole fried eggs and three fried egg whites on top. I use egg whites because my wife still believes in the propaganda, but . . . After reading on this forum that several Bogleheads use a rice cooker for steel cut oaks, I a...
by htdrag11
Mon Mar 13, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4640

Re: Just got my annual review today

My solution is to focus on my portfolio, tax planning, etc. Time spent there can make more money than small bump in salary at a megacorp. +1. For age 47, your growth is limited unless you move to another company, say about 7-10% bumping up. Is it worth the risk? I realized that by age 40, if I didn...
by htdrag11
Thu Mar 09, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2729

Re: Help! Need to refund money in PayPal from Nigeria

Thank you for all your support. It's sold via eBay with real money deposited in my PayPal account today. Since it's over $250, I would insure and have the buyer signed it upon receipt. There are plenty of honest folks out there. I recalled one time that I bought something out of state via Craigslist...
by htdrag11
Wed Mar 08, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2729

Re: Help! Need to refund money in PayPal from Nigeria

OP here. Correction - there is no money in my account. However, there is an email in my spam folder. The mail looked rather deceiving, similar to what one would normally get from PayPal (Fundapprovedpost@mail.com - that was the giveaway), to a person sounds like a "regular" American name w...
by htdrag11
Wed Mar 08, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2729

Help! Need to refund money in PayPal from Nigeria

When things are too good to be true, it usually is. I was selling my Dell CB 2 for $288 on Craigslist and someone offered me $500 ($300 plus $200 shipping), it just smelled. The phone number is 914 or Westchester county area. Well, I got $500 now in PayPal, assuming it's legit. I'll contact PayPal a...
by htdrag11
Wed Mar 08, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676387

Re: What Movie Have You Recently Watched?

Here is one oldie but goodie by Sydney Pollack and Robert Mitchum from 1974 - The Yakuza. http://www.imdb.com/title/tt0073918/?ref_=rvi_tt Unlike Ridley Scott's Black Rain, Pollack did a lot of research and employed a Japanese team, so we do not get the usual American or Hollywood bias. The ending w...
by htdrag11
Mon Mar 06, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 75
Views: 10706

Re: Just laid off - what to do

Here are a few things that I did to keep myself from having a pity party/mental drowning/giving up: 1. Be realistic with the job market. I'm not sure what kind of work you do, but if you're in technology and live in the SF Bay Area, be prepared for FIERCE competition - I mean fierce, ageism, offhan...
by htdrag11
Sat Mar 04, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 75
Views: 10706

Re: Just laid off - what to do

Ahem. The rust belt. Well, I've been volunteering in a self-help group since I retired on-and-off since 2012. If you're age 45+, there is definitely age discrimination out there, regardless of the law. We always try to ensure all our members are up on social media, such as LinkedIn and Facebook, let...
by htdrag11
Mon Feb 27, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676387

Re: What Movie Have You Recently Watched?

Had a bad day today. Came home and watched "A Street Cat Named Bob", a truly feel good movie based on a biography. http://www.imdb.com/title/tt3606888/?ref_=nv_sr_1 Bob stole most of the scenes. Ginger cats are more friendly in nature. The director Roger Spottiswoode has 2 other animal fil...
by htdrag11
Thu Feb 23, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676387

Re: What Movie Have You Recently Watched?

Miss Sloane is not my type of movie, but Jessica Chastain always delivers. It was unfortunate that most folks did not see this one but it was entertaining for a political film when we had enough of it last year. This is one powerful female lead role. After seeing Arrival, it's hard to compare these ...
by htdrag11
Sat Feb 18, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Looking for mattress in the NJ area
Replies: 6
Views: 419

Re: Looking for mattress in the NJ area

We are very happy with our http://www.roomandboard.com/catalog/bedroom/randb-mattresses/encased-coil-mattress-with-natural-latex-foam-medium Encased Coil with Natural Latex Foam - Medium which you could get at Room & Board 236 West 18th Street New York, NY 10011 212.204.7384 a similar mattress ...
by htdrag11
Sat Feb 18, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Looking for mattress in the NJ area
Replies: 6
Views: 419

Re: Looking for mattress in the NJ area

I live in NJ, I could find a mattress at Sears online with about $600 and another for $200 and something plus shipping.. They key is look for the online sears clearances. Also there is a physical location for Sears outlets but that one was far away from where I live.. Check this: http://www.searsou...
by htdrag11
Sat Feb 18, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Looking for mattress in the NJ area
Replies: 6
Views: 419

Re: Looking for mattress in the NJ area

That was fast. Ikea is certainly a possibility.
by htdrag11
Sat Feb 18, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Looking for mattress in the NJ area
Replies: 6
Views: 419

Looking for mattress in the NJ area

I was researching some of the threads here and went to Mattress Underground. It seems to be clear that one should avoid the majors. The dilemma is to find reputable stores in my area and actually "test-drive" them. For reference, this was the last one slept on: IKEA HESSTUN Spring mattress...
by htdrag11
Mon Feb 13, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Lost Stock Certificate - EMC
Replies: 6
Views: 693

Re: Lost Stock Certificate - EMC

It might be a good idea to talk to the 16 year-old's mom to clarify the status of the gift. In 10 years there could have been a lot of family changes. It's also possible that the "no clue" situation comes from mom not thinking the 16 year-old is mature enough to handle the funds. Maybe th...
by htdrag11
Fri Feb 10, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 897

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Hindsight is always 20-20. Due to weather, it got delivered one day late in front of my garage at 7 pm although my front door was well lit and snow free. It just so happened that I checked status on the shipment. Now I understand why Walmart could do it for $10 less, not paying UPS or USPS to send m...
by htdrag11
Fri Feb 10, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 2241

Re: Deal on 2016 CPO Honda Odyssey

In my experience new 2017s are a thousand or two more than a new 2016. I saw the 2015 CPO in person tonight and it's in excellent condition. Has had one owner, who bought the car from the same dealer he sold it back to. He did his maintenance there too, so they have all the records. I'm bringing it...
by htdrag11
Fri Feb 10, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Stock Certificate - EMC
Replies: 6
Views: 693

Re: Lost Stock Certificate - EMC

Thank you, Pajamas.
by htdrag11
Fri Feb 10, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Stock Certificate - EMC
Replies: 6
Views: 693

Lost Stock Certificate - EMC

About 10 years ago I bought some 50 shares EMC as a gift (actual certificate); the company was taken over by Dell last year when they paid $24.05/share plus a tracking stock against VMWare. Just got a call from the rightful owner who turned 16, telling me his mom had no clue what happened to his gif...
by htdrag11
Thu Feb 09, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676387

Re: What Movie Have You Recently Watched?

I'm always a sucker for anime and cartoon. This one is from France with English sub, about an aristocratic young girl who overcame her background and frigid surrounding to find her calling. http://www.imdb.com/title/tt2262345/?ref_=nv_sr_1 At 80 minutes, it was a pleasure and a short escape to the N...
by htdrag11
Thu Feb 09, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Deal on 2016 CPO Honda Odyssey
Replies: 34
Views: 2241

Re: Deal on 2016 CPO Honda Odyssey

Winter months in the Northeast is always the best time to shop for car.

For the record, I bought a 2012 CPO Lexus. You're doing the right thing by checking the duration of the car in the dealer's lot.
by htdrag11
Tue Feb 07, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 897

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Got it from Walmart for $10 less; either one could ship it to me by Thursday, weather permitting (snow was forecast 4-8").

The advantage of Walmart is that I could pick up tomorrow 10 miles away but did not want to.
by htdrag11
Tue Feb 07, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Pet Owners: Bissell 1940 or 1544A Steamer Mop
Replies: 9
Views: 897

Re: Pet Owners: Bissell 1940 or 1544A Steamer Mop

Assuming the cat is house trained, what are they going to do to grout? What sort of stain is specifically an issue with the cat? food? Not the cat so much, our grout is about 28 years old. It does not look like I need to spend the extra $40. :mrgreen: As for cat safe, most likely I'll add 1/4 cup o...

Go to advanced search