Search found 129 matches

by mucho dinero
Tue Jul 12, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Does Any One Have Any Experience Using the Goodreads Website
Replies: 15
Views: 1575

Re: Does Any One Have Any Experience Using the Goodreads Website

Folks. You are all the gift that levels on giving. I will now have an excellent resource tool to make well informed devious on buying books.
by mucho dinero
Sat Jul 09, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Does Any One Have Any Experience Using the Goodreads Website
Replies: 15
Views: 1575

Does Any One Have Any Experience Using the Goodreads Website

Folks, Many times I like to surf the web to find books that may be of interest. I usually go through the Ibooks app on my Mac to search for books. I recently came across the site called Goodreads which recommends books and also provides reviews of the books that they recommend. Do any of you have an...
by mucho dinero
Fri Jun 10, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: alternatives to AOL
Replies: 34
Views: 2014

Re: alternatives to AOL

folks, I would like to express my appreciation for all of your replies. In just about every post I have ever made this forum has been a wonderful resource. I already use G-mail for any critical correspondence susceptible to hackers, etc. As I said earlier I only use AOL for general correspondence. H...
by mucho dinero
Fri Jun 10, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: alternatives to AOL
Replies: 34
Views: 2014

alternatives to AOL

Folks,

I use AOL for my general e-mails. I have not always been happy with their service. Can anyone suggests an alternative provider?
Thanks in advance.
by mucho dinero
Wed May 18, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3964

Re: Could I be held Liable for giving financial advice to a friend

Folks, I appreciate the input from each and everyone of you in helping me arrive at my decision. I am going to do the following, I tend to agree with the statement that my councilor is probably taking a conservative approach in advising me. But I have told the individual to go to the Morningstar sec...
by mucho dinero
Tue May 17, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3964

Re: Could I be held Liable for giving financial advice to a friend

Thanks for response. Once again I am trying to restate what the counselor told me as best as I can. I did review a bogelheads thread on this topic that did concur with a lot of what you said, but that thread took place approximately more than a year ago, and my lawyer was referring to current develo...
by mucho dinero
Tue May 17, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3964

Re: Could I be held Liable for giving financial advice to a friend

Folks, I want to thank all of you for the time an effort that you put in assisting me with this issue. About 2 hours ago I discussed this situation with my lawyer to. Be on the safe side. The lawyer said, I may not be fully explaining right, But here goes, currently the Labor Department is looking i...
by mucho dinero
Tue May 17, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Could I be held Liable for giving financial advice to a friend
Replies: 37
Views: 3964

Could I be held Liable for giving financial advice to a friend

Folks, Many times friends may ask me if they should do certain things with their money. For example, one friend wants me to review their choices of funds from Fidelity for their 401-k plan. If I was to provide any input or advice could I be held liable? I always tell people I am not a CFP or any typ...
by mucho dinero
Wed Oct 21, 2015 5:58 am
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 46
Views: 4909

Re: Evaluate Proposal on Installation of Solar Panels

:sharebeer crimsontide
I just read your comment relative to homeowners insurance for the panels. I called my insurance provider and they told me that the panels are covred, so you may want to call your insurance company to check out your policy. I hope this helps. :sharebeer
by mucho dinero
Sun Sep 20, 2015 7:01 am
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 46
Views: 4909

Re: Evaluate Proposal on Installation of Solar Panels

Folks, I have just concluded my discussions with the contractor on the solar panels. I am going to make the purchase. I really want to thank each and every one of you for the valuable suggestions that you provided to me in making my decision. Everyone have a great week end and a successful year in y...
by mucho dinero
Mon Sep 14, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 46
Views: 4909

Re: Evaluate Proposal on Installation of Solar Panels

Folks, On Sep 17 I will be once again discussing an update of proposal on solar panels with the contractor. I would like to thank all of you for the comments you have provided me so far. I especially appreciate those povided by Disco bunny on homeowners insurance, Madbrain on numerous issues, hicab ...
by mucho dinero
Sun Sep 06, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 46
Views: 4909

Re: Evaluate Proposal on Installation of Solar Panels

Folks, I am still in the data gathering phase and the contractors rep will be coming by to visit me next Friday. So I am working on some of the things that you have all brought up before talking further with this agent. Will get back to you all around next weekend. Thanks for the tips that you have ...
by mucho dinero
Tue Sep 01, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Evaluate Proposal on Installation of Solar Panels
Replies: 46
Views: 4909

Evaluate Proposal on Installation of Solar Panels

Folks, I would like to present a proposal I have received to have solar panels installed on the roof of my house. I live in Texas. I am still in the process of determining requirements. Could you all evaluate the contractors estimate below for accuracy. 1. Home in Texas. 2. System Size k- 6,750 W-DC...
by mucho dinero
Tue Aug 25, 2015 6:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Austin Texas area Bogleheads
Replies: 46
Views: 10078

Re: Master Thread for Austin Texas area Bogleheads

When and where will the next meeting of the Austin Bogelheads Chapter meet.

Thnks in advance.
by mucho dinero
Sat May 02, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 6149

Re: Vanguard Financial Plan Under the New [ 0.3% ] Fee

Folks, I would like to thank all of you for the input that you provided to me in helping me finalize my decision for this plan. First I would like to apologize to all of you for not quoting Vanguards fee correctly. The fee was 0.3% rather than 0.03% that I had put forth. First I must say that many y...
by mucho dinero
Thu Apr 30, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 6149

Vanguard Financial Plan Under the New [ 0.3% ] Fee

Folks, I have recently contacted Vanguard concerning their pilot program on Financial Planning. In my initial discussion with their team, they recommended a portfolio consisting of four index funds: Total Stock Market Index Fund(35%), Total Bond Index Fund(40%), Total international Stock Market Inde...
by mucho dinero
Tue Apr 21, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: evaluating two different portfolios in terms of risk/rewards
Replies: 3
Views: 481

evaluating two different portfolios in terms of risk/rewards

Folks, I have recently contacted Vanguard concerning their pilot program on Financial Planning. In my initial discussion with their team, they recommended a portfolio consisting of four index funds: Total Stock Market Index Fund(35%), Total Bond Index Fund(40%), Total international Stock Market Inde...
by mucho dinero
Wed Apr 01, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2771

Re: Advice On Dealer's Offer to Exchange Old for new car

Folks, I would like to thank all of you for the comments you provided to me in making my decision. Just for kicks I sent them a response asking why they were trying to offer me a 4 cylinder car as an exchange for my 6 cylinder. They never replied. So I plan to stay the course and keep my 2007 car fo...
by mucho dinero
Mon Mar 30, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2771

Advice On Dealer's Offer to Exchange Old for new car

Folks, I just received a offer from my dealer offering to exchange my 2007 Nissan Altima for a brand new altima. They talked about offering to provide me with a $24 ,125 2015 Nissan Alima 2.5S for $16,981. The discount would be composed of Gunn Discount of $5,394 plus Nissan Customer Cash of $1, 750...
by mucho dinero
Mon Mar 30, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 2030

Re: Economist Article on role of government bonds

Folks, I would like to thank all of you who responded to my post concerning this article on the role of bonds in bear markets. Each of your remarks helped me to determine an appropriate strategy for the future. Basically I plan to stick with using a asset allocation, appropriate for my age and risk ...
by mucho dinero
Sat Mar 21, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 2030

Economist Article on role of government bonds

Folks, According to an article, titled Buttonwood, Skewiff, in the March 21st edition of the Economist: [quote]"government bonds have typically been used as “shock absorbers” within portfolios. When equities or commodities are plunging, government bonds tend to do very well. Even when bonds do ...
by mucho dinero
Sun Feb 08, 2015 7:01 pm
Forum: Forum Issues and Administration
Topic: Showing Newspaper Article in a post
Replies: 5
Views: 957

Re: Showing Newspaper Article in a post

Folks,

Thanks for your replies. Your advice will help me with my future post. :happy
by mucho dinero
Sun Jan 25, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2939

Re: Prognosis On REIT Index Fund

Folks,

I would like to thank all of you for your assistance. I think my best course is to stay the course, and maintain my asset allocations configuration.
by mucho dinero
Sun Jan 25, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2532

Re: Changing Passwords with 2factor authentication

Folks,

I would like to thank all of you for responding to my questions on 2-factor authentication. I can see that the new system will provide more security for the Vanguard Customer.
by mucho dinero
Mon Jan 12, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2939

Prognosis On REIT Index Fund

Folks, According to a newspaoer article I recently read. The following statements where made concerning the current state of REITs in the United States. 1. About 80 percent of the country’s 1,200 malls are considered healthy, reporting vacancy rates of 10 percent or less. But that compares with 94 p...
by mucho dinero
Mon Jan 12, 2015 7:40 am
Forum: Forum Issues and Administration
Topic: Showing Newspaper Article in a post
Replies: 5
Views: 957

Showing Newspaper Article in a post

Folks,

I want to include a article from the New York times in a post I plan to make. Besides cutting and pasting a few lines from the article, how can I show the article in some form of attachment or link. Can I just highlight the link and then paste it to the post or what?

Help please. :confused
by mucho dinero
Sun Jan 11, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2532

Changing Passwords with 2factor authentication

Folks, Now that Vanguard has 2 factor authentication, how often do you recommend changing user ids and passwords? I usually change my user ID twice a year and my password every three months. Also do all of you think that the new 2-factor authentication substantially reduces our vulnerability to hack...
by mucho dinero
Wed Jan 07, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2600

Re: [Security warning at Vanguard site using Chrome on a Mac

Folks, I would like to think all of you for the time and effort that you put into responding to my question relating to the security of the chrome browser. I appreciate that this forum exists for those of us who need some advice, etc in dealing with the many aspects of investing. I can now rest assu...
by mucho dinero
Sat Jan 03, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: [Security warning at Vanguard site using Chrome on a Mac]
Replies: 10
Views: 2600

[Security warning at Vanguard site using Chrome on a Mac]

Folks, When examining the lock on my Vanguard Web site the I received the following message The site is using outdated security settings that may prevent future versions of Chrome from being able to safely access it. The identity of The Vanguard Group, Inc. at Malvern, Pennsylvania US has been verif...
by mucho dinero
Mon Dec 22, 2014 7:28 am
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 3292

Re: Mac Users-evernote app

Folks, I would like to thank all of you for your helpful comments on evernote. I especially am grateful for the comments provided by stan1 on using tags for organizing my documents,, and howies discussion of the superiority of evernote compared to Google Drive/docs. Every one have a great week and a...
by mucho dinero
Sun Dec 21, 2014 8:24 am
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 3292

Mac Users-evernote app

Folks,

Do any of you have experience with using the evernote app for your Mac? I wanted to use it for going to meetings, taking notes, and sharing ideas and concepts with friends and colleagues.

Thanks in Advance
by mucho dinero
Sun Aug 31, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1416

Re: Policy on changing Passwords

Folks, I would like to thank all of you for the helpful comments that you have provided me in coming to grips with when and how often to change my password. I would like to thank SimonJester for his comments concerning the quality of the password used and to change a specific password when you thank...
by mucho dinero
Tue Aug 26, 2014 8:24 pm
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2337

Re: GMail successfully hacked 92% of the time

ASUGrad »said the following: "On a computer chrome is the safest browser. Gmail with two factor authentication is still very secure. This virus isn't even hacking into gmail. It just allows the hacker to see what you see when you are on your phone. Yes this is verybad, but its very different fr...
by mucho dinero
Tue Aug 26, 2014 5:48 pm
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1416

Re: Policy on changing Passwords

runner9, Thanks for the input. I do not keep my passwords on my browsers. I guess I shold have said that I use different e-mail addresses to correspond with different institutions that I do not want hackers to access. For these different e-mail addresses should I be changing my passwords. Thanks in ...
by mucho dinero
Tue Aug 26, 2014 3:56 pm
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1416

Policy on changing Passwords

Folks,

Every 3-4 months I change all of my passwords dealing with any institutions that I may do financial transactions with. For the different browsers that I may use should I adhere to the same criteria relative to changing passwords?

Thanks in advance.
by mucho dinero
Tue Aug 26, 2014 3:50 pm
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2337

Re: GMail successfully hacked 92% of the time

Folks, I am happy to see that this discussion is happening on this forum. For the last week I have been searching for information concerning this study. To the best of anyones knowledge does this have any implications relative to G-mails accounts or chrome browsers on Desk Tops or lap tops which are...
by mucho dinero
Thu Aug 14, 2014 9:07 pm
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2663

Re: Best Place to Do Research on Orthopedic Surgeons

Folks, I just got back to my laptop again and I went through all the recent posts that I have received since an earlier post that I made concerning all of the responses that I had reviewed at that time. Once again you all have come up with a "gold mine" of information that I am going to ha...
by mucho dinero
Thu Aug 14, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2663

Re: Best Place to Do Research on Orthopedic Surgeons

I would like to thank all of you who have provided answers to my questions. They were all very informative. The Dr who recommended the procedure has seen me for rotator issues on my shoulder for a number of years. Over the last year and a half he has seen me three times for my current problem and ea...
by mucho dinero
Wed Aug 13, 2014 4:29 pm
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 2663

Best Place to Do Research on Orthopedic Surgeons

I have been informed that I am going to need to have surgery on my left shoulder to repair a torn rotator cuff. Where is the best place to go to evaluate the quality of the Surgeon who will be performing the procedure?
Thanks in advance. :?:
by mucho dinero
Wed Aug 06, 2014 10:27 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2912

Re: Vanguard's Facebook presence

I would like to think ajcp, KyleAAA and segfault for the advice they provided me on the Facebook question. I did sign up, but I followed the advice about guarding my identity and I also did a very thorough review of face books privacy and other policies regarding other issues relative to security is...
by mucho dinero
Mon Aug 04, 2014 4:57 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2912

Re: Vanguard's Facebook presence

Folks, I have never used Facebook at all. I am a senior citizen who is trying to go high tech. Over the last several years I have become somewhat computer literate, however I still have reservations about using Facebook because I do not want to increase my vulnerability to hackers. Earlier I saw Van...
by mucho dinero
Thu May 08, 2014 8:28 pm
Forum: Personal Consumer Issues
Topic: Yoga [iOS (Apple) apps]
Replies: 4
Views: 706

Re: For Yoga Practicioners Pocket Yoga mentioned in Mac Worl

WhyNotUs,
Thanks for your reply. What level of skill is the Yoga Studio based on? Also is it focused towards hatha, power, vinyassa or ashtanga versions of Yoga?
What is the costs and where do you order?
Thanks.
by mucho dinero
Thu May 08, 2014 7:20 am
Forum: Personal Consumer Issues
Topic: Yoga [iOS (Apple) apps]
Replies: 4
Views: 706

Yoga [iOS (Apple) apps]

Folks,
Does anyone have any experience in using apps pertaining to yoga. The one I have read about is the Pocket Yoga app mentioned on the Reviews section of Mac World page 41.
Thanks in advance.
by mucho dinero
Fri Feb 28, 2014 9:00 pm
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1506

Re: Attention Apple Users-Possible Security Issues

Auream,

Thanks for the information. I have contacted apple and started to backup my mobile devices. I have been backing up my PC every day . So I will do the same with my mobile devices.
by mucho dinero
Wed Feb 26, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1506

Re: Attention Apple Users-Possible Security Issues

Folks, I would like to thank all of you for your input concerning this issue. I contacted Apple late yesterday and the staff directed me on how to update my Mac and mobile devices in terms of software updates. One more question. They recommended that I backup my I-pad and I-phone. How often do all o...
by mucho dinero
Mon Feb 24, 2014 7:01 pm
Forum: Personal Consumer Issues
Topic: Attention Apple Users-Possible Security Issues
Replies: 13
Views: 1506

Attention Apple Users-Possible Security Issues

Folks, Saturday afternoon on Fox Business Channel and today on CNBC I heard that security issues had been detected with Apple. The anchors stated that when accessing web sites pertaining to your financial institutions you may want to use the Chrome Browser rather than Safari to be on the safe side. ...
by mucho dinero
Mon Feb 17, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: 2nd Post on Federal Retiree Needs Help With Portfolio
Replies: 2
Views: 426

2nd Post on Federal Retiree Needs Help With Portfolio

Folks, This is a followup to a previous post concerning this topic. The primary advice given at that time was primarilly to reduce our debts. And we did just that. My wife and I are currently revising our portfolios and we would like to request your advice with the proposed portfolio which we have j...
by mucho dinero
Mon Feb 10, 2014 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1285

Re: Federal Retiree Needs Help With Revising Portfolio

Folks, Once again I would like to thank all of you who have responded to my post. I have just discussed your comments with my wife and decided that we are going to pay off some of the credit cards which have the highest interest rates. Livestock thanks for pointing out our reluctance to sell assets ...
by mucho dinero
Sun Feb 09, 2014 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1285

Re: Federal Retiree Needs Help With Revising Portfolio

Folks, I would like to thank all of you for the responses that you have provided me. Let me start with Laura. At this time both of us are retired, and neither my wife or I are working part time. The $300 a month we are contributing is to our taxable account. the reason we are not directing the $300 ...
by mucho dinero
Fri Feb 07, 2014 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Retiree Needs Help With Revising Portfolio
Replies: 10
Views: 1285

Federal Retiree Needs Help With Revising Portfolio

Folks, My wife and I are currently revising our portfolios and we would like to request your advice with the proposed portfolio which we have jointly developed. But first let me provide the following information: Emergency funds: $5,000+?. However we both have inflation adjusted pensions and social ...

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