Search found 93 matches

by c.coyle
Tue Oct 16, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 35
Views: 3713

Re: Jury duty - already booked vacation

. . . Eventually, it occurred to me that all the summons I was receiving in the mail were being sent by regular mail. There is therefore no way they could prove whether or not you actually received it. So when they next one came I simply ignored it. . . . Now that's some mighty fine citizenship rig...
by c.coyle
Tue Oct 16, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 35
Views: 3713

Re: Jury duty - already booked vacation

Perhaps the summons was lost in the mail and you didn't receive it.....? Really, really dumb and irresponsible advice. They can send the sheriff (or whoever the designated officer is in your state) to actually arrest you and haul you before the judge if you just fail to appear. Asking for a deferra...
by c.coyle
Sun Oct 14, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5883

Re: Neighbor discussing finances with me

The older I get, the less sympathy I have for otherwise smart people who choose to remain ignorant of basic investing principles that any reasonably bright high school grad can grasp.

"So, what's in your IRA?"

"I don't know, it's an IRA."
by c.coyle
Sun Oct 14, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5526

Re: Proton Mail

Any updates on protonmail? The final paragraph in the post above yours mentions two login passwords. It’s one now. I got a paid account in late 2017 or early ‘18 and it was just a single password. They originally required two passwords, one to log in and the other to decrypt the email. Then they de...
by c.coyle
Sun Oct 14, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5012

Re: Need new email address. Gmail or ???

Protonmail is a secure, web-based email service. https://protonmail.com/

As easy to use as Gmail. A basic account is free.
by c.coyle
Sun Oct 14, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5012

Re: Need new email address. Gmail or ???

cheese_breath wrote:
Sat Oct 13, 2018 10:20 pm
Gmail is fine, especially if you couple it with a pc client such as Thunderbird.
Isn't using Thunderbird for Gmail just adding another layer of complexity? I can just log onto Gmail with any browser, from anywhere. What benefit does Thunderbird (or any computer-resident email program) add?
by c.coyle
Fri Oct 12, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4000

Re: Am I secure using my computer for financial services?

jalbert wrote:
Sun Jul 22, 2018 4:46 am
. . . A VPN is counterproductive if you maintain your home network to be secure as you then have to worry about security at the VPN server. . . .
The VPN server is one more possible point of attack between me and the bank server. Is that what you mean?
by c.coyle
Thu Oct 11, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3253

Re: Best headphones under 500 bucks

I live in Nashville, and these Sony headphones are sort of the industry standard for studios. No, they are not the nicest thing you can possibly own, but if you are accustomed to listening to earbuds they will knock your socks off. Nice, unadorned sound, great for all music types, and you can buy f...
by c.coyle
Thu Oct 11, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3253

Re: Best headphones under 500 bucks

anonenigma wrote:
Wed Oct 10, 2018 8:42 pm
I have Grado SR60s, which are about $100 these days, but I rarely use them - prefer the soundstage of speakers in a room. . . .
Relating back to the original post, Grado headphones are open back, and the sound will definitely leak into the room at moderate levels or above.
by c.coyle
Thu Oct 11, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3253

Re: Best headphones under 500 bucks

Sony is still making the MDR-V6 after 30 years, which means people are still buying them. Must be a reason. Flat response. Closed back for no leaking sound. Comfortable. Replace the factory vinyl earpads with some Beyer velour pads, and you will be very happy with the sound, comfort, and the left o...
by c.coyle
Wed Oct 10, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3253

Re: Best headphones under 500 bucks

Sony is still making the MDR-V6 after 30 years, which means people are still buying them. Must be a reason. Flat response. Closed back for no leaking sound. Comfortable. Replace the factory vinyl earpads with some Beyer velour pads, and you will be very happy with the sound, comfort, and the left ov...
by c.coyle
Sat Sep 22, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Online Savings Accounts
Replies: 8
Views: 896

Re: Online Savings Accounts

Yes I have a money market with them that comes with a debit card and check book. It only earns .9% though. I also have an online savings account with them that earns 1.85%. The good news is that you can instantly transfer money between the two accounts. So I keep a majority of the money in the savi...
by c.coyle
Fri Sep 21, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Large Government Retirement Funds
Replies: 1
Views: 249

Large Government Retirement Funds

Experts: State's troubled pension funds fuel $3.8 billion in profits for private equity firms http://www.post-gazette.com/news/politics-state/2018/09/20/Pennsylvania-pension-state-employees-teachers-private-equity-investment-profits/stories/201809200223 "He estimates the Pennsylvania systems' long-...
by c.coyle
Thu Sep 20, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6955

Re: Don't trust Tripadvisor reviews

I start with 2 and 3 star reviews and look for a common complaint. I figure anybody who posts a 2 or 3 star review has given it a little thought, is going to be specific, and isn't likely to be a shill or someone with an irrational axe to grind.
by c.coyle
Sat Sep 15, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4380

Re: I need a chainsaw to trim branches and limbs!!

If you don't know what you're doing, a chainsaw will sho 'nuff trim your limbs.
by c.coyle
Wed Sep 12, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2574

Re: Anyone into Essential Oils?

misterno wrote:
Wed Sep 12, 2018 3:57 pm
. . . these oils are pure and organic . . .
So are curare and cobra venom.
by c.coyle
Fri Aug 24, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3903

Re: Best (most practical, low cost) Luggage for Airline Travel

. . . So you were specifically excluding anyone elderly (or with mobility difficulties regardless of age)? If so, you should have specified to whom you were addressing your post. Otherwise, how would a reader know what you "intended". RM By reading the original post in the thread, in which the OP n...
by c.coyle
Fri Aug 24, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3903

Re: Best (most practical, low cost) Luggage for Airline Travel

. . . So you were specifically excluding anyone elderly (or with mobility difficulties regardless of age)? If so, you should have specified to whom you were addressing your post. Otherwise, how would a reader know what you "intended". RM By reading the original post in the thread, in which the OP n...
by c.coyle
Sun Aug 19, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3903

Re: Best (most practical, low cost) Luggage for Airline Travel

( I'm a luggage contrarian. Roller luggage is dumb for several reasons: . . . Somebody up-thread mentioned Osprey travel backpacks. The Farpoint 40 is great for up to a week and is carry-on legal. I use mine all the time. The larger Farpoint 55 is huge and is great for extended trips. Other manufact...
by c.coyle
Sun Aug 19, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3903

Re: Best (most practical, low cost) Luggage for Airline Travel

I'm a luggage contrarian. Roller luggage is dumb for several reasons: it isn't space efficient (those wheels and handles either take up interior space or increase exterior dimensions); they are heavier to begin with; they encourage over-packing; they get in the way of other people in crowded areas; ...
by c.coyle
Sun Aug 19, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8812

Re: Edward Jones rep door knocking

I have had a lighted doorbell next to my front door for 26 years. It isn't hooked to a buzzer, bell or ringer. My friends know to knock. My close friends come straight to the kitchen door. I was taught to always ring and knock. Then to step to the side so I wasn't visible through the looking glass.
by c.coyle
Tue Aug 07, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1554

Re: A week in Budapest?

Just there in the spring. The only downside was the dump of a train station and the cabbies who will try to rip you off. The mandatory fares are posted on the cars. Don't pay until you get to your destination.
by c.coyle
Tue Aug 07, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73667

Re: "What Fidelity's No-Cost Index Funds Mean for Investors"

triceratop wrote:
Tue Aug 07, 2018 11:54 am
What kind of account with $1M in it do you have that you cannot buy Admiral shares with?
I can't with a solo Simple IRA
by c.coyle
Thu Jul 26, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4398

Re: "Money Talk" Radio Program with Bob Brinker

TravelGeek wrote:
Wed Jul 25, 2018 12:18 pm
c.coyle wrote:
Wed Jul 25, 2018 7:01 am

My local station in Harrisburg no longer carries him. He's probably pretty old by now.
77 years, according to https://en.wikipedia.org/wiki/Bob_Brinker
Thanks. He's has a more diversified background than I would have imagined.
by c.coyle
Wed Jul 25, 2018 7:01 am
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4398

Re: "Money Talk" Radio Program with Bob Brinker

Like many above, I learned about index funds, Vanguard, costs, risk v. reward, time horizons, and simple DIY portfolios from Brinker. I am grateful to him for that.

My local station in Harrisburg no longer carries him. He's probably pretty old by now.
by c.coyle
Mon Jul 23, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4000

Re: Am I secure using my computer for financial services?

. . . Previous posters are correct - the biggest vulnerabilities probably exist on the server side and there's nothing you can do about that. Exactly. But there are one or two small things you can do to at least reduce the damage caused by server side breaches: Use a unique password on each site (t...
by c.coyle
Tue Jul 17, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13324

Re: New Vanguard Security Code Requirement

Just out of idle curiosity, who is responsible if a Vanguard account is hacked? For example, if an very elderly person is tricked into giving out his credentials by a phishing email, I think Vanguard is still on the hook. I think where Vanguard is not responsible is where the authorized user has be...
by c.coyle
Tue Jul 17, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13324

Re: New Vanguard Security Code Requirement

I gotta a [boat load --admin LadyGeek] of money sitting at Vanguard. Good for them. Let's face it, most people aren't going to go to password managers and unique, complex 12 character passwords for each of their accounts. [OT comment removed by admin LadyGeek] I too am glad for any extra measure of...
by c.coyle
Tue Jul 17, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13324

Re: New Vanguard Security Code Requirement

2 factor authentication is no biggie for me. I enable it wherever I can. One of my banks doesn't have it, and I'm not thrilled. I gotta a [boat load --admin LadyGeek] of money sitting at Vanguard. Good for them. Let's face it, most people aren't going to go to password managers and unique, complex 1...
by c.coyle
Wed Jul 11, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3613

Re: Car totaled by uninsured driver

"Deductible" is just self insurance. If you can't afford to eat the deductible amount you have chosen, choose a lower deductible. Not having collision coverage is also self insurance. If you can't afford to eat the fair market value of your vehicle, buy collision coverage. If you're damaged by an un...
by c.coyle
Sun Jul 08, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 100041

Re: Pull-ups and Push-ups

Like Boglehead investing, it's pretty straightforward. Risk v. reward, and time horizon. Body weight, free weights, machines are all different forms of the same thing - resistance training. You are lengthening or contracting muscles under load. Body weight exercises are limited by you-know-what, so ...
by c.coyle
Thu Jul 05, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1750

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

Unless security is crucial, proprietary GPS systems based on downloading and locally storing maps on a dedicated device are inferior to cloud-based systems that can be, at least theoretically, updated constantly. ...and when you're in a remote area without access to the cloud.....then those systems...
by c.coyle
Thu Jul 05, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5130

Re: bike helmets

. . . Notice how in every news report of vehicle-caused bike crashes (not an accident), they always say whether the victim wore a helmet. What difference does it make if the victim did or didn't wear a helmet? That fact alone doesn't give anyone else the "right" to veer and smash into a cyclist. . ...
by c.coyle
Thu Jul 05, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: How come voice command on Garmin GPS is so lousy compared to Google Maps?
Replies: 22
Views: 1750

Re: How come voice command on Garmin GPS is so lousy compared to Google Maps?

Unless security is crucial, proprietary GPS systems based on downloading and locally storing maps on a dedicated device are inferior to cloud-based systems that can be, at least theoretically, updated constantly.
by c.coyle
Wed Jul 04, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5130

Re: bike helmets

. . . I have read multiple things about MIPS, it sounds like it is the latest and greatest but there are questions out there whether it really does anything. Also Giro and Bell both have stakes in the MIPS concept. . . . There is also this link. VT does the research for football and motorcycle helm...
by c.coyle
Wed Jul 04, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5130

Re: bike helmets

I think you should replace your helmet for the reason you listed (you only get one head in this life). I have the MIPS system because I ride hard and on technical trails (MTB), but for the casual rider that hasn't fallen in the last 14 years, you may not need MIPS. Any helmet that meets the current...
by c.coyle
Wed Jul 04, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1151

Re: legal document with hyphen/non hyphen middle name

It shouldn't be a problem unless a legitimate question arises about the identity of a named party, which seems unlikely. All of these instruments have other identifiers that can be used as confirmation and cross-references: DOB, SS#, address, property location. The only thing that would concern me i...
by c.coyle
Tue Jul 03, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8791

Re: Any Boglehead powerlifters?

chevca wrote:
Tue Jul 03, 2018 11:41 am
. . . It's heck to get old, huh?
It beats the alternative.
by c.coyle
Tue Jul 03, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8791

Re: Any Boglehead powerlifters?

Done to momentary muscle failure, with 48-60 seconds of time under tension, along with minimal rest between exercises and keeping a tight diet...this is all one would need to keep in optimum shape. My diet ain't tight. Also, at 64, I give myself more time between sets and sessions than when I was 3...
by c.coyle
Mon Jul 02, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8791

Re: Any Boglehead powerlifters?

Never power lifted, but have been strength training pretty consistently since high school. 64 years old, lifting twice a week now, trying to keep what I got at this age. 3 lift portfolio here: Push: Some sort of press (bench, incline bench, mil press) or dips Pull: Some sort of chinning movement on ...
by c.coyle
Wed Jun 20, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 31
Views: 3684

Re: Air conditioner compressor replacement cost

. . . Might be only the start/run capacitor--$10. Trouble is you're at the service co. mercy--and I don't believe they have any, as a whole. I'd at least try another small outfit co. for another estimate. THIS. Lots of info online about a/c capacitor checking and replacing. If you are moderately ha...
by c.coyle
Tue Jun 19, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5742

Re: Road trip Pennsylvania,Maryland,and DC

I made some uncomplimentary remarks up-thread about Lancaster County and "Pennsylvania Dutch Country" and, since I busted on someone else for making unsubstantiated cracks about Philadelphia, I think I should practice what I preach and be more specific. Lancaster County has seen lots of development ...
by c.coyle
Tue Jun 19, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5742

Re: Road trip Pennsylvania,Maryland,and DC

ponyboy wrote:
Tue Jun 19, 2018 1:57 pm
. . . OP...Just head to KOP and tell your friends you made it to philly. Save yourself a lot of headache.
You're recommending a shopping mall? Seriously? You are beyond jaded.
by c.coyle
Tue Jun 19, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5742

Re: Road trip Pennsylvania,Maryland,and DC

. . . I live in northeast PA...trust me. Philly is a wreck... . . . An incredibly dumb statement, and I'm being polite. Independence Hall (a UNESCO World Heritage Site), Valley Forge, the Liberty Bell, the Franklin Institute, Philadelphia Museum of Art, the Academy of Music, Chadds Ford (Andrew Wye...
by c.coyle
Tue Jun 19, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5742

Re: Road trip Pennsylvania,Maryland,and DC

Minor correction: Easton, not Eastville, is the seat of Northampton County. Set your GPS for "Eastville" and you will end up way out of the way.
by c.coyle
Mon Jun 18, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5742

Re: Road trip Pennsylvania,Maryland,and DC

Pennsylvania Dutch Country is a tacky, overrated tourist trap. Lancaster County is over-developed and traffic is a nightmare. Flying into Pittsburgh, a great city, pretty much locks you into driving to Philadelphia on the Pa, Turnpike, unless you want to go way out of the way. The Turnpike will take...
by c.coyle
Sun Jun 17, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5812

Re: What are your hobbies?

I restore old stereo gear from the 60s and 70s. Marantz, Sansui, Pioneer, etc.

Lots of people under 40 have only listened to music on phones with earbuds. Their jaws drop the first time they hear music on a full sized system at room filling volume.
by c.coyle
Sat Jun 16, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 8158

Re: I feel like selling my 3 fund

. . . Im thinking I can sell now and get into something more stable until we are at the bottom of a bear market again. . . . How will you know when a downturn has bottomed out? I think I read somewhere that the bulk of large market gains occur in relatively short time spans. I would be worried abou...
by c.coyle
Sat Jun 09, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 6003

Re: Jack Bogle on Fox Business Channel Friday June 8

. . . But when she began her questions loaded with the oft-repeated criticisms of indexing, I understood. I too thought that she was rude in interrupting Jack time after time. She was snarky, trying to attack a giant. . . . I didn't get that impression at all. Bogleheads are probably a small portio...
by c.coyle
Thu Jun 07, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Adding my name to deed (parents house)
Replies: 22
Views: 1743

Re: Adding my name to deed (parents house)

. . . Would adding my name to the deed make this my debt? I plan on opening a practice in about 2 years and do not want a home loan to impact my ability to get lending from a bank. . . . No, unless you sign the underlying mortgage note as an additional mortgagor, or if you otherwise personally guar...