Search found 963 matches

by obgraham
Fri Jan 12, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1167

Re: Storing Important Documents Online

I'm having trouble thinking of circumstances where a printed copy or electronic copy of such documents would be useful? Traveling out of the country. Potential for all personal belongings to be stolen. I look at this "paper vs digital" completely the opposite. The paper may not be readily available...
by obgraham
Fri Jan 12, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2400

Re: Keeping sensitive documents in the cloud -- bad idea?

I'm way to senile and dumb to figure out all this automatic synching and backup. On the other hand I'm rid of paper.

Mine stuff is all on 2 usb drives. In addition I take copies on 2 flash drives when I travel. Likelihood of both failing is low enough for me.
by obgraham
Wed Jan 10, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Sell Sports Car and Invest or Keep for Fun Factor
Replies: 25
Views: 1107

Re: Sell Sports Car and Invest or Keep for Fun Factor

Absolutely: Keep the car!

I still regret selling my 1973 911Targa in 1987!

In coming years you may find a lot more time to drive it, and then you'll be out looking for another Toy car. That'll wind up costing you a whole lot more. KEEP IT!
by obgraham
Tue Jan 09, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Any tools for searching bed size on VRBO?
Replies: 2
Views: 197

Re: Any tools for searching bed size on VRBO?

Hmm. I was just today looking at VRBO's in Italy. My requirement is "queen or bigger".
The majority had the bed size listed in the section detailing what each room contained.
by obgraham
Mon Jan 08, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 1928

Re: any success buying a car at lease end?

I will attempt to negotiate for a lower cost since there is 0 work involved for them if I just pay it off and keep it. I'll update this post with my progress. Get back to us here with how you came out, especially if they gave you a better price. (In my cases they stuck to their agreed buyout and di...
by obgraham
Sun Jan 07, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 3854

Re: Is it time for me to get my 401K out of the stock market?

I think you should leave well enough alone. There's nothing wrong with 40/60 like yours. Aiming for $125k annually you are in very good shape. (73k pension, ~20k SS, and a nice pot of 1.8mil in reserve). Your stock portion will help counter inflation. Retire, and start to spend your money. That's wh...
by obgraham
Sun Jan 07, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1230

Re: Debating which credit card to get for airline travel

My experience with the "points" is that other than as a hobby, it's waste of time. Where I fly, Delta is the big carrier. The Delta Amex pays my baggage fees, and lets me board one level before the lowest of the low. Big deal. When I come to book with those "points", it takes a boatload of them to f...
by obgraham
Sun Jan 07, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: any success buying a car at lease end?
Replies: 25
Views: 1928

Re: any success buying a car at lease end?

Over the years I have had four leases. The residual has always been specified in the original agreement. In 2 cases I bought the car at the end, for the agreed price, with no hassle at all -- one Honda and one Toyota. Sent the check, they sent me the title, everyone happy. In 2 others I decided to s...
by obgraham
Sun Jan 07, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3963

Re: Downsizing to one car in retirement...

As snowbirds, we have just one car here in Arizona, but 2 up north. Sure, we manage with one, but it is a bit of a pain sometimes. Like Monday we have conflicting appointments. 2 cars is handier. However, we accept that this many vehicles is not Bogleheadedness. Fortunately our tastes don't run to B...
by obgraham
Sat Jan 06, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

All three companies have lower expense ratios than State Farm. If their customers are being hurt by the advertising, I don't see it. If anything, they are benefitting from a bigger risk pool, since the advertising expenses can be spread over a larger number of policies. Imagine if Vanguard's expens...
by obgraham
Fri Jan 05, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

In 2016, GEICO, Progressive, and USAA made up 27% of the auto insurance market. In 2006, it was only 18%.
That could be due to advertising. Those three have been very aggressive at it, while SF has been pretty stodgy.

And just like Big Pharma, they wouldn't do it if it wasn't successful.
by obgraham
Fri Jan 05, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

The other thing I appreciate with SF is the agent, who I have had for 35 years. Yes, they try and get you to go in for an "annual review", at which I know they look for the opportunity to sell you some more insurance. However in my case he pointed out some ways to save me a bunch -- like putting my ...
by obgraham
Fri Jan 05, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

State Farm seems to be pricey for umbrella coverage, my $5M umbrella is $800 a year,
$407 for my $2M umbrella, just paid yesterday. Up from $367 the previous year.
by obgraham
Thu Jan 04, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Question on wills and advanced medical directives
Replies: 18
Views: 1215

Re: Question on wills and advanced medical directives

but by using a properly-drafted HCPOA the agent's instructions are legally binding.
You would hope so, but in reality things often don't work out that way. The whole field of end-of-life wishes and treatment is an evolving thing.
by obgraham
Wed Jan 03, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 71
Views: 3278

Re: E-reader for ebooks - Pros and Cons

Here's another E-reader point: memory size. You only need big memory if your plan is to keep all your books on the reader forever. In my case, several hundred e-books in, I delete the vast majority once I've finished them. I see no need to back to that Grisham book in the future. Of course, if I cha...
by obgraham
Wed Jan 03, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 71
Views: 3278

Re: E-reader for ebooks - Pros and Cons

Reading for hours on an e-reader is much different than using a Fire tablet or iPad and well is worth the paying the extra money for if you will be reading for long periods of time. I have both a Kindle and a Fire and when I have read on the Fire it is noticeably not as good and not something that ...
by obgraham
Wed Jan 03, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 71
Views: 3278

Re: E-reader for ebooks - Pros and Cons

Between Mrs O and me we have had half a dozen kindles, from the old unlit ones to the newer Fires. They are all just fine for reading books. Right now we both like our cheapy kindles, the little 7 inch Fire, which we use just for e-reading and nothing else. They were $35 on sale a while back and the...
by obgraham
Tue Jan 02, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

Indeed. If you have Homeowners with one and Umbrella with another, when someone sues you for slipping on your porch who will provide your defense -- the Homeowner insurer or the Umbrella one?

I prefer not to take that chance. Everything on one place.
by obgraham
Tue Jan 02, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Question on wills and advanced medical directives
Replies: 18
Views: 1215

Re: Question on wills and advanced medical directives

Unfortunately, advanced medical directives are not worth much more than the paper they are on. Hospitals and docs are very reluctant to turn off the spigot without a specific and absolute instruction -- they usually find some reason why your AMD is not valid. In spite of that, I think everyone shoul...
by obgraham
Mon Jan 01, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Travel bargain or scam?
Replies: 2
Views: 650

Re: Travel bargain or scam?

My theory has always been that if it looks like you are getting something for almost nothing, you likely are getting nothing, and it will cost you something.
by obgraham
Sat Dec 30, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2034

Re: Estate planning for green card parents who are citizens of India

Do we need to get them US wills, POA, living wills, etc? Or does India law govern since they are still Indian citizens? You need to get them US estate documents. Unless they plan to return to India to die and process there, US law will apply, regardless of citizen versus greencard. You all would be...
by obgraham
Sat Dec 30, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3239
Views: 942081

Re: What Movie Have You Recently Watched?

plasma800 wrote:
Sat Dec 30, 2017 2:02 am
They still make movies? Shoot, I haven't watched a movie in years.. but I do play a lot of world of warcraft.. does this count?
Most of the movies now are just the same -- you aren't missing much!
by obgraham
Sat Dec 30, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 3422

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

Let's be serious here. HVAC systems need repairs. $500? Chicken feed for a furnace. Motors, fans, capacitors, circuit boards, compressors -- they all need replacing from time to time. As my repair guy told me after a nasty repair job -- "well, it's working fine now but nobody can guarantee that some...
by obgraham
Fri Dec 29, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11700

Re: European Cities that don't interest you

Liverpool:

I judge cities 100% on the presence of good pipe organs! On that basis alone, Liverpool is a winner: St George's Hall, and Liverpool Anglican Cathedral. Organ Nirvana!

(Oh yes, the rest of the city is seeing a revitalization, also!)
by obgraham
Thu Dec 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3239
Views: 942081

Re: What Movie Have You Recently Watched?

The Last Jedi:
Didn't see much original in it. Fight a bit. Complain a bit. Fight some more. Pretend to think deep thoughts. Fight some more.

I guess I've lost enthusiasm for CGI fighting. May as well watch a cartoon.
by obgraham
Thu Dec 28, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11700

Re: European Cities that don't interest you

No one has mentioned a Swiss city yet. I have always wanted to visit Switzerland. Geneva's ok, but mainly as a bus ride from Chamonix. Geneva is mostly full of UN/NGO types, running around looking important, carrying a briefcase (containing their lunch) and wearing skinny-legged trousers, narrow ti...
by obgraham
Tue Dec 26, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Organizing Music Collections (Genre, etc.)
Replies: 15
Views: 946

Re: Organizing Music Collections (Genre, etc.)

If you're talking about the evil iTunes, just make your own Genre entries, as specific or as general as you wish.

ITunes is a real PITA for classical music fans. I have 12,000 entries, 99% of which are classical. So my "genre" field is redesigned to sort out all these classical entries.
by obgraham
Tue Dec 26, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Converting printed pictures to digital files
Replies: 15
Views: 1267

Re: Converting printed pictures to digital files

I have about 2000 old photos, mostly 4 x 6's and 3 x 5's, and have been looking at the Epson FF 640 for scanning then spend the time after to post process. Due to the number of photos the flat bed would take forever. If you just want a copy of your print, then automation can speed it up a lot. But ...
by obgraham
Fri Dec 22, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 3841

Re: Has anyone here purchased a home for cash (no mortgages)?

I've bought 4 times with no mortgage. I don't see why there should be any hidden risks -- the transaction is just the same as with a mortgage, except no lender involved. There was still the escrow agent, still that worthless "title insurance". The key is to get out from under the mortgage at your ma...
by obgraham
Fri Dec 22, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne new banking website hard to learn. Please help!
Replies: 14
Views: 1159

Re: CapitalOne new banking website hard to learn. Please help!

I think this happened to me the first day I had the updated browser. The history eventually filled in. Give it a day or two. If that doesn't take care of it, I would call them on their toll free line. Stuff works there one day, and not the next. And vers-vicea. About half the time it won't even let...
by obgraham
Thu Dec 21, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

Though I don't agree with a lot of the points made here in response to the OP, I do find the discussion very interesting. It points out the sorry state of the health care industry in this country today. We have plenty of well trained docs, both generalists and specialists. And we have plenty of "mid...
by obgraham
Wed Dec 20, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

Just curious since you are a doc.I notice more and more on the lists of available docs that most are from overseas and have gone to medical school overseas.Any concerns about the quality of education and does it make a difference if their residency was in the US? You've brought up a touchy subject....
by obgraham
Tue Dec 19, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

I've posted on this topic before, but the amount of BS here provokes me again. First off, I know Bend pretty well, know several folks there who themselves are physicians, and with significant health issues of their own. Bend is not a backwater of health care. There are plenty of very experienced and...
by obgraham
Sun Dec 17, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2185

Re: Single Purpose Device- Waffle Iron

I've always preferred "Will it blend?" to "Will it waffle?" Check it on yoochoob.
by obgraham
Sun Dec 17, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 17166

Re: Buying Real Silver and Gold (Not Bitcoin)

On our 25th anniversary, Mrs O bought me 250 ounces of silver, at $4.33 an ounce. Now we're coming up on our 50th. It's true those big old bars are worth 4 times as much. But I've lugged the damn things around for 25 years. They're heavy and bulky. I'm hoping she doesn't go out and buy me 500 more o...
by obgraham
Sun Dec 17, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Confused about memory care and assisted living
Replies: 14
Views: 1293

Re: Confused about memory care and assisted living

Went through this not long ago with MIL. She was in a place with varying levels of care up through memory care, but the contract stated they did not accept Medicaid, and everyone knew this up front. We used her assets until they were exhausted, then the 5 children chipped in to pay the costs, rather...
by obgraham
Sun Dec 17, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2185

Re: Single Purpose Device- Waffle Iron

Someone gave us one for Christmas years ago. We don't use it very often, as it is a PITA to clean, but with the right batter mixture -- man it makes wonderful waffles. Far superior to restaurant product!
by obgraham
Fri Dec 15, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Best place to get a Suit
Replies: 21
Views: 1687

Re: Best place to get a Suit

Probably depends on your needs. If you're like me, never owned more than one suit at a time (for marryin' & buryin'), no need to impress: Mens' Warehouse seems as good as any. If you are in the business world, and have to wear one every day, I can't help you, but I'm pretty sure you'll need to spend...
by obgraham
Fri Dec 15, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 909

Re: Active vs. index funds in a recession:

Therefore, should one know that the market will decline investing in an active fund will give him the hope, but not the expectation, of not losing money.
And of course, the hope that he will not lose more than the market average.
by obgraham
Wed Dec 13, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Is Nationwide a good company?
Replies: 10
Views: 1356

Re: Is Nationwide a good company?

Nate79 wrote:
Wed Dec 13, 2017 11:29 am
Nationwide is on your side.
Was there ever a better sign that a company is not, if fact "on your side"?
by obgraham
Wed Dec 13, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: can you deduct a leased car as biz expense if you have only 1 car?
Replies: 4
Views: 538

Re: can you deduct a leased car as biz expense if you have only 1 car?

You can deduct anything you want, until you have to pass an IRS audit. So you need to have your ammunition lined up ahead of time. I had my business pay my leased car for years. Kept a mileage log for 2 months or so each year, and reimbursed the business for that portion of the lease along with driv...
by obgraham
Wed Dec 13, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 4459

Re: Almost fell off my chair...

I think we are most all in the same boat. We have to remain focused on the long term goal. We can gloat when things are going up -- that's exciting. But there WILL be a decline. It takes strong will to sit through that, but that's what is required. Buying when things are up and selling when things a...
by obgraham
Tue Dec 12, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2568

Re: Purchasing Airline Tickets

Agree, good price if it meets your needs. You that can fly direct have it much easier! Since I live out in a smaller place and have to connect to get to Europe, my choices are usually based on connect times, along with seat availability. Often not the cheapest price, but I don't want a 90 minute New...
by obgraham
Tue Dec 12, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: A Trip to Russia
Replies: 81
Views: 4513

Re: A Trip to Russia

How would we go about finding an excellent guide? We went in a Road Scholar group of about 15, which then split to two groups of 7-8 each. Both the guides in St Petersburg were superb. Ours told us he also does individual guiding, advertised on the internet, but I'm not sure how to tell one from th...
by obgraham
Sat Dec 09, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7157

Re: For those retired at least 10 years, what about the money?

No change in my plans. Markets go up and markets go down. We stay the course.

Sure, I'm happier when it goes up, and I moaned a lot in 2008.

We're living okay in retirement, now 17 years in, and net worth is close to the same now as when we retired. Can't complain about that.
by obgraham
Sat Dec 09, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Danger of being a helicopter pilot?
Replies: 40
Views: 3856

Re: Danger of being a helicopter pilot?

Excellent advice here. However, I'm concerned with the information that OP is being given. You cannot fly for pay on a Private Pilot Certificate, be it fixed wing or rotary. You need at least a Commercial Certificate. You can easily verify this at the FAA's website. So if the "boss" is telling you o...
by obgraham
Fri Dec 08, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 63
Views: 4522

Re: What did you do with your first RMD withdrawal money?

Since we live out of the IRA now (wasn't that its purpose?):

I spend my RMD.
by obgraham
Fri Dec 08, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3643

Re: Best solution for digitizing documents?

(All electronic guy, again.) Purging the old stuff is more trouble than it is worth. I just ledave it there. And since my filing system tells me it's old, I ignore it. I download and keep all my investment statements (all Vanguard now) quarterly, and monthly bank statements. Sure, they're available ...
by obgraham
Wed Dec 06, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3643

Re: Best solution for digitizing documents?

It doesn't review as well as the Fujitsu, but part of that seems to be the quality of Epson's own OCR software. I think you'll be happy with the Epson -- their scanning software is very good, and to me more flexible than Canon's. (HP's we won't mention!) However, if you scan your paper documents to...