Search found 72 matches

by c.coyle
Tue Aug 07, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1382

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51610

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: 3997

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: 3997

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: 23
Views: 2776

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: 180
Views: 10500

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: 180
Views: 10500

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: 180
Views: 10500

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: 3476

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: 96834

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: 1667

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: 4739

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: 1667

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: 4739

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: 4739

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: 1115

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: 106
Views: 7417

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: 106
Views: 7417

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: 106
Views: 7417

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: 3062

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: 5262

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: 5262

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: 5262

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: 5262

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: 5262

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: 5494

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: 7853

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: 5623

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: 1656

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...
by c.coyle
Thu Jun 07, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Is there a forum for legal matters?
Replies: 18
Views: 1915

Re: Is there a forum for legal matters?

also be wary of disclosure of your legal issue in a public forum (internet). if you end up in arbitration or court, that may be a serious issue if you gave away key details to try to drum up a free lunch to save on fees. if the counterparty finds your thread, rest assured they will use it against y...
by c.coyle
Wed Jun 06, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1438

Re: Switching car insurance agents

I know this doesn't directly address your question, but it's easy nowadays to do routine auto insurance policy maintenance - adding or dropping drivers or vehicles, changing coverages, and so forth - online with carriers like GEICO and Progressive. I'll bet every big time company let's you do this. ...
by c.coyle
Sun Jun 03, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Enhanced Uninsured Motorist Coverage offered by SF in MD
Replies: 2
Views: 268

Re: Enhanced Uninsured Motorist Coverage offered by SF in MD

Insurance varies from state-to-state, but the concepts are pretty much the same. UNinsured motorist coverage provides insurance when the idiot who runs the red light and hurts you has no liability insurance. UNDERinsured motorist coverage is for when that idiot hurts you badly but is a cheapskate an...
by c.coyle
Sun Jun 03, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6390

Re: Need advice on 1st international vacation

My wife and I are looking to plan our first international trip. We are looking for a 7-10 day vacation in a safe area where English will be commonly spoken. I guess the first place that comes to mind is London, but we are really considering several options such as Rome/Florence/Venice, Cape Town So...
by c.coyle
Sat Jun 02, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Laptop privacy screen covers - recommendations ?
Replies: 8
Views: 370

Re: Laptop privacy screen covers - recommendations ?

If you're using public wi-fi, and concerned about privacy, you should install a good VPN. Eavesdroppers are aren't going to be looking over your shoulder.
by c.coyle
Wed May 30, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7184

Re: get sued for posting nagative online review?

Aren't these suits quite rare?

Can anyone cite a successful one? Meaning, name the parties and the court?
by c.coyle
Thu May 24, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 22197

Re: High End Wrist Watches (Gone Crazy)

. . . That $9.95 Timex Star Trek watch from 1977 that I have keeps better time than the $42,000 ALS I had. My $54 G-Shock is linked to an atomic time reference and is spot on all the time. I didn't buy the high end watches to keep better time. Does anybody really know what time it is? - Robert Lamm
by c.coyle
Thu May 24, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 22197

Re: High End Wrist Watches (Gone Crazy)

I really don't see the point of buying an analog watch. They don't do anything and the thing that they do (tell time) is inferior to a digital watch. . . . You are 100% correct. My 3 Omegas, my Doxa, my Stowa, my Nomos, and my JS (from Reykjavik) don't keep time as well as my $19.99 digital Timex f...
by c.coyle
Mon May 21, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12616

Re: done with Gmail

I second the up-thread recommendation of Proton Mail. Web-based, easy to configure, and, by all appearances, very secure. It also has traditional filter-to-folders capabiity if that's what you like. Gmail's label system is not my cup of tea.
by c.coyle
Fri May 18, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1723

Re: Roof TV Antenna Recommendation Needed

The big three factors in pulling in distant TV signals are: (1) Antenna height. For distant stations, higher is almost always better. (2) Antenna gain. This is usually expressed in decibels ("dB", higher is generally better). Gain is mostly a function of an antenna's directional pattern. Narrower pa...
by c.coyle
Mon May 14, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: A Very Unique Inflation Fund
Replies: 11
Views: 1407

Re: A Very Unique Inflation Fund

Nothing can be "very" unique. Once something is one of a kind, that's all she wrote.
by c.coyle
Mon May 14, 2018 4:03 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12875

Re: The front page is ugly

Plain text is beautiful
https://lite.cnn.io/en
by c.coyle
Sun May 06, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1469

Re: Tea supplier comparison

My preference is loose tea from https://www.arborteas.com/. Not the cheapest, but I loves my tea.
by c.coyle
Sun May 06, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 254
Views: 23156

Re: most compelling TV character ever

Louis Rukeyser
Dr. Johnny Fever
Walter White
by c.coyle
Sun May 06, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6994

Re: What backup service to use?

I use Spideroak One. Similar to Dropbox, but paranoid-level security.

https://spideroak.com/one/

https://www.pcmag.com/article2/0,2817,2402390,00.asp
by c.coyle
Mon Apr 30, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2970

Re: What Android browser do you use?

Opera
by c.coyle
Mon Apr 30, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2665

Re: Bicycle Questions

How do you know your kid is going to use a bike at college? I wouldn't spend much at all.
by c.coyle
Fri Apr 27, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15694

Re: BH travel tips?

Roller luggage is needlessly bulky, harder to cram into overheads, encourages overpacking, generally has less usable interior space than the same dimension non-roller bag, and slows you down when moving through crowded airports. If you're healthy, get a lightweight travel backpack such as the Osprey...
by c.coyle
Mon Apr 23, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Removing Existing Satellite Systems
Replies: 16
Views: 2137

Re: Removing Existing Satellite Systems

Satellite dishes can be re-purposed into backyard bird baths.
by c.coyle
Thu Apr 12, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 2075

Re: KeePass random generator

rkhusky wrote:
Sun Apr 08, 2018 9:18 pm
If you have a good strong password, you probably don't need to change it more than once every year or two. For sites that don't allow strong passwords, you should change more frequently, perhaps every 3 or 6 months.
Agree. Plus 2 factor authentication.
by c.coyle
Thu Apr 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What is the rationale for coinsurance?
Replies: 10
Views: 1218

Re: What is the rationale for coinsurance?

It's not the costs that are higher in your example, the difference is in the premiums collected. If you have $50k of coverage on a $120k building, then a 42% loss on the building would mean the policy would have to pay out the maximum to cover the loss. If you have $120k of coverage on a $120k buil...