Search found 130 matches

by c.coyle
Sat Dec 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 124
Views: 7551

Re: Favorite Purchase of 2018?

A 20kg Rogue olympic weightlifting bar. My old one was bent. I'm turning 65 in February. Gotta work harder every year to keep that muscle mass. This is me on my 64th:

Image
by c.coyle
Sun Dec 09, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. OK to transfer 100% of Simple to existing IRA?
Replies: 3
Views: 339

Re: Retiring. OK to transfer 100% of Simple to existing IRA?

As long as your first contribution to this Simple IRA was made more than two years ago you can perform a direct transfer to a Vanguard IRA. You cannot, without penalty, do so if you haven't satisfied the 2 year rule. Only do this as a direct transfer between the two entities. Cheers Right, direct t...
by c.coyle
Sun Dec 09, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. OK to transfer 100% of Simple to existing IRA?
Replies: 3
Views: 339

Retiring. OK to transfer 100% of Simple to existing IRA?

My firm has a simple IRA plan. I am retiring on 12/31, and withdrawing from the firm. Can I do a direct transfer of 100% of the Simple IRA to my existing traditional IRA? I have the same Vanguard 3 fund portfolio in both, so this would simplify things.
by c.coyle
Fri Nov 30, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4417

Re: How do Bogleheads justify taking vacation?

I'm a lot like you. I've been on a few vacations and traveled outside the continent several times. Now that I'm older the things I like don't include the hassles and expense of traveling. Once you've done it you realize most people brag and overrate their travel experiences. With the internet you c...
by c.coyle
Wed Nov 28, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7404

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

. . . Ok, I'll bite. Besides making money for their shareholders/owners (like any other for profit business), what is the 'fundamental concept of insurance'? Spreading risk. Spreading the cost of defending and paying claims among all the policyholders. There is always a cost to the company to defen...
by c.coyle
Wed Nov 28, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7404

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

. . . Since I HATE to lose, I'd much rather an insurer drag things out (as long as its on their dime). . . . "their" dime? That suggests that you don't understand a fundamental concept of insurance. And if I get drunk, run a red light, and seriously injure you, are you OK with my carrier dragging t...
by c.coyle
Wed Nov 28, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7404

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

At the risk of overstating the obvious, laws vary, sometimes widely, from state to state, unless it's a question of federal law, which most of these "legal threads" are not. Even federal law can vary from one area of the country to another.
by c.coyle
Tue Nov 27, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7404

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

I was involved in a car accident 2 years ago in NY. I was at-fault. My insurance settled with the other party. I assumed everything was settled and done with. Then, I get notified today that I am being sued by the other party in the accident. Is this legal? All this speculation is useless. Notify y...
by c.coyle
Mon Nov 26, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Is today a bad time to rebalance?
Replies: 18
Views: 2247

Re: Is today a bad time to rebalance?

Given the recent slide, I'm thinking of rebalancing my retirement fund now, rather than waiting until 1-1-2019, by moving bonds into stocks and getting back to my 50-50 allocation.
by c.coyle
Sun Nov 25, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Unsatisfactory Hotel Experience
Replies: 27
Views: 2934

Re: Unsatisfactory Hotel Experience

When the house and I get off on the wrong foot, I'm thinking about reversing things ASAP and salvaging the night, not a free room down the road. I have never been refused when I asked to change rooms shortly after checking in, unless the place was full. That's what to do when you find niggling littl...
by c.coyle
Fri Nov 23, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3708

Re: Men's crew neck t-shirts

Don't rule out polyester, which has come a long way since the days of plastic feel and stinkiness. Nike Dri-Fit is more expensive than cotton, but very soft and stays very soft and comfortable after lots of washing. You can find Dri-Fit tees in salt and pepper gray, which is fine under a white dress...
by c.coyle
Fri Nov 23, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15063

Re: Black Friday 2018

This morning I was looking to buy a 4 by 6 foot rubber mat for my weightlifting room. Those are around $30-40 at Tractor Supply Apples and oranges. TSC has "stall mats." I've used them. They are made from ground up old tires, sort of analogous to wooden particle board. They can stink for a long tim...
by c.coyle
Thu Nov 22, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15063

Re: Black Friday 2018

This morning I was looking to buy a 4 by 6 foot rubber mat for my weightlifting room. A big online gym supplier emailed me with a Black Friday Super-duper Blowout price of $69.99, which looked like a superb value. These things are heavy, but not that heavy, yet they add $55.00 shipping, bringing the...
by c.coyle
Mon Nov 19, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Company Reccomendations
Replies: 7
Views: 755

Re: Life Insurance Company Reccomendations

I'm a big fan of Arlington Greene. They'll broker it out and get you multiple quotes from top rated companies. And their customer service is quick and personal. I have no affiliation other than being a happy customer for decades.

https://www.arlingtongreene.com/
by c.coyle
Sun Nov 18, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2764

Re: Laptop security - Mac OS or Windows

Longtime Linux Mint user here. Still have to use Windows at work. It pains me to say this, but installing Linux on a PC is not for "appliance operators." If you have a geek who will do it for you, fine. You need to know a little bit about command prompts, directory structure, and partitions. Not har...
by c.coyle
Wed Nov 14, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1953

Re: Teaching young folks how to save for retirement

Now don't broad brush people younger than you... Young people aren't any more ignorant or lazy than our generation. Ha, sorry if I was unclear, I agree with you; this is not a generational thing at all. I absolutely believe that 20 year-olds in 1968 were just as carefree as 20 year-olds in 2018, an...
by c.coyle
Wed Nov 14, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1953

Re: Teaching young folks how to save for retirement

I really don't think a lack of effort to teach "how" is a core problem. It's not like every young person doesn't already have access to all the information they could ever want on the web. Motivated people will research, read, and figure it out, at least eventually. The issue is motivation. My empl...
by c.coyle
Wed Nov 14, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 27
Views: 3885

Re: Flooring for home gym

I have bought 4 by 6 foot textured rubber mat made specifically for gyms from Fitness Factory Outlet. It's expensive, but durable and odor free. https://www.fitnessfactoryoutlet.com/body-solid-4-x-6-rubber-mat-1-2-quot.html I wonder if some industrial carpet remnants might work in a home setting. Th...
by c.coyle
Wed Nov 14, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1953

Teaching young folks how to save for retirement

"Over the past four decades, American employers have drifted away from pensions and toward 401(k) plans, which put more responsibility to save on the worker. “And at the same time, we didn’t offer any training—people don’t get any training in how to manage a 401(k) or what a mutual fund is. They’re ...
by c.coyle
Tue Nov 13, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Diversifying term life insurance providers
Replies: 12
Views: 803

Re: Diversifying term life insurance providers

Give a broker a shot. I have used these people for term life for over 20 years. Excellent customer service. You deal with a person, not just an online form. I'm sure they would have some advice on spreading the risk between multiple carriers. I have no affiliation other than being a satisfied custom...
by c.coyle
Sun Nov 11, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

Sorry Alexa, that's just not accurate information. A DSLR and a bunch of lenses just don't make a travel companion and are a PIA to carry around all day, that's why you don't see them on many travelers. While a smartphone is OK for casual photography on a street corner or in a bar or club its just ...
by c.coyle
Fri Nov 09, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1776

Re: Updating Microsoft Word

reisner wrote:
Fri Nov 09, 2018 5:48 pm
I am saving everything in pdf. Should I also save in rich text format?
I would say only if you may want to use them later for pasting text from them into new docs . For archival records, .pdf works for me.
by c.coyle
Fri Nov 09, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

Post #1 was the question, and Post #2 was the responsive answer. Done.
by c.coyle
Fri Nov 09, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1776

Re: Updating Microsoft Word

Save a copy of your documents in the universally supported Rich Text Format. .rtf extension. I have yet to encounter any word processor that can't open .rtf documents.
by c.coyle
Fri Nov 09, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2118

Re: New Treadmill - Proposition 65 Warning Label

Saliva causes throat cancer. But only when taken in small doses over long periods of time.
by c.coyle
Sat Nov 03, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2819

Re: Close to the Bull Trap phase of the market cycle

neuroawesom wrote:
Sat Nov 03, 2018 1:50 am
. . . The general sentiment by some experts . . .
Think about that.
by c.coyle
Fri Nov 02, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2410

Re: Weight Training After 70

The better approach is to train "movement patterns" rather than "muscle groups" because that's how we interact with our environment. We squat down, we bend over, we pick things up, and we lift and move things over our heads. Check out Starting Strength, which is a program focused on squats, deadlif...
by c.coyle
Thu Oct 25, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8634
Views: 1682422

Re: U.S. stocks in freefall

Is something happening?
by c.coyle
Tue Oct 23, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 7755

Re: For those who paid off house - how did you do it?

dm200 wrote:
Mon Oct 22, 2018 10:47 am
Live in the same house for 40+ years ...
Yup. 36 years for us. And we bought plenty of house for our needs, but less house than we could afford.
by c.coyle
Tue Oct 23, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1713

Re: Buying and making loose leaf tea

I'd like to try out some different loose leaf teas. Any recommendations for buying a variety to start to pin point which types I like best? Also, how do you make it? I'm thinking about getting a french press I buy loose tea online, primarily from Arbor Teas and Nicholas Coffee (I have no connection...
by c.coyle
Mon Oct 22, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8735

Re: Quitting w/o notice

AlphaLess wrote:
Sun Oct 21, 2018 8:28 pm
And there is no honor among (corporate) thieves.
A thief thinks everybody steals.
by c.coyle
Sat Oct 20, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1645

Re: How important is registered mail for important documents?

. . . Edited to add: I am also an attorney. I send certified mail to clients who I feel might be litigious (e.g., sue me) in the future. I do this because I want proof that they've received certain communications from me, not because I fear the communications might actually be lost in the mail. I'm...
by c.coyle
Sat Oct 20, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5693

Re: Cross-country trip via Amtrak

My wife and I took Amtrak from L.A. to Portland last summer and enjoyed it. We had a sleeper compartment, which is a must as far as I'm concerned. There were panoramic observation cars. The crew was friendly and efficient. The meals were very good. Amtrak assigned seats in the dining car so we dined...
by c.coyle
Fri Oct 19, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30596

Re: IWC Watch, any thoughts?

FWIW, I don't think you or most watch collectors are particularly interested in wearing a watch to impress others -- it's more a personal gift to yourself, no? . . . Exactly. 99.99% of people who lay eyes on my watch can't tell an Omega from a Citizen. I don't care. I can. Owning an expensive watch...
by c.coyle
Thu Oct 18, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 23
Views: 3611

Re: Can you include this in a will?

It worked in my case.
by c.coyle
Thu Oct 18, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3757

Re: Forever Stamps as an Investment?

Hasn't the price of mailing a letter been increasing, at least in part, because demand has been decreasing? If it were a real market, wouldn't the opposite be happening?
by c.coyle
Tue Oct 16, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5575

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: 51
Views: 5575

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: 6124

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: 5599

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: 5345

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: 5345

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: 4187

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: 79
Views: 6494

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: 79
Views: 6494

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: 79
Views: 6494

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: 79
Views: 6494

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: 945

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: 255

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-...