Search found 293 matches

by mariezzz
Thu Dec 13, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: In this case, should I be 100% stocks?
Replies: 13
Views: 1815

Re: In this case, should I be 100% stocks?

When deciding on my asset allocation, I found it helpful to look at efficient frontier plots to see the effect of different allocations over time. They helped me better understand the value of taking more risk with different allocations. This page has a figure showing efficient frontier plots for ea...
by mariezzz
Thu Dec 13, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 14
Views: 1800

Re: 2018 form 1040 released

This thread is actionable. I downloaded the form. Thank you. Just checked about a week ago.

Edit: I don't think all the extra schedules are an improvement. The main form is shorter, but then you have to add on schedules. I'd rather a 2 page crowded form.
by mariezzz
Thu Dec 13, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 69
Views: 4203

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

I really hate the games toilet paper manufacturers play! The central contention of Nisipirius's post is absolutely right. To make your decision: Calculate overall square footage in a package; factor in the ply-factor plus any knowledge you have about other characteristics, such as 'weaker' vs 'stron...
by mariezzz
Wed Dec 12, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2362

Re: Need recommendation for new washing machine

You're probably not going to like this answer, but it's what I believe to be the best advice I can give: Do not buy a new washing machine. Keep your eye on Craigslist, Facebook Marketplace, or whatever online local sales site you prefer and buy a used washer that's in good condition. They're easy t...
by mariezzz
Wed Dec 12, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4197

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

I wish the myth that professors have summers off and lots of vacation would die. At research universities, time when classes are not in session is when professors do the work that determines their success, tenure, and raises - research. Indeed. I am a full prof. We get paid for 10 months, but work ...
by mariezzz
Mon Dec 10, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3163

Re: Attic insulation-R30 to R60 worth it?

This article shows the effect of just a small area that's poorly insulated, when rest if well insulated - in other words, why air sealing is so important. https://www.energyvanguard.com/blog/34932/Attic-Stairs-A-Mind-Blowing-Hole-in-Your-Building-Envelope We've got 990 sf at R-38 and 10 sf at R-1. (...
by mariezzz
Sat Dec 08, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3163

Re: Attic insulation-R30 to R60 worth it?

There have been similar threads here on this issue. I'd suggest searching them.
Sealing the leaks is important - some of those threads discussed this issue. As others have said, if you don't seal the leaks, you won't gain much from more fiberglass.
by mariezzz
Sat Dec 08, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 15
Views: 1710

Re: Microsoft : Edge Being Replaced by Chromium

For various reasons I just read that Microsoft is replacing Edge with Chromium - does anyone know when and how ? via Windows Update ?? This is essentially Microsoft granting google a monopoly on browser technology. Really bad for everyone. (Except google.) [/size] Microsoft had a monopoly on browse...
by mariezzz
Sat Dec 08, 2018 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1334

Re: Marriott data breach, what are you doing about it?

If the breach includes your passport #, they'll reimburse you the cost for a new passport, I heard. You may want to double-check that. Every source I can find says that they will reimburse you if you can prove that you are a victim of fraud related to the passport number. E.g., https://www.usatoday...
by mariezzz
Sat Dec 08, 2018 3:28 am
Forum: Investing - Theory, News & General
Topic: Worst investing year ever....
Replies: 73
Views: 11333

Re: Worst investing year ever....

The market this year was more volatile than it has been for the last few. It seemed ridiculously overly exuberant early in the year. I'm not all that surprised - it's anyone's guess where the year is going to end, but in this volatility, it could easily be 4% higher if the year end a week or two soo...
by mariezzz
Sat Dec 08, 2018 3:13 am
Forum: Personal Finance (Not Investing)
Topic: HSA - How long is a doctor's note valid?
Replies: 9
Views: 1535

Re: HSA - How long is a doctor's note valid?

I want to piggy back off this thread - my dad has a couple of claims on his FSA, but was denied due to incomplete documentation. His doc literally wrote a paper prescription w/ his name/DOB/device requested (in this case air purifier/HEPA filter). What would would as a "sufficient/valid" doctor's n...
by mariezzz
Wed Dec 05, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1482

Re: Dishwasher stopped working well

Sounds like you may have found the problem. For others, there are more possible problems: I had something similar happen but the water inlet valve had gone bad. Replacing it isn't too difficult. My dishwasher is 20 years old, but new appliances tend to fail so quick, I replaced the part. That was de...
by mariezzz
Mon Dec 03, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: What percent of Managers beat the market BEFORE fees?
Replies: 94
Views: 5964

Re: What percent of Managers beat the market BEFORE fees?

What percent of Managers beat the market before they charge their Fees? According to Bogleheads books, and it seems like it's somewhere between 80%-96% of Managers can't beat the market, but is this before fees or after fees? Anyone have data of how Managers do in 10 year, 20 year, and 30 year time...
by mariezzz
Sun Dec 02, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3026

Re: Has anyone on this board painted over wallpaper?

Remove it yourself. It’s not rocket surgery. Don’t paint over the wall paper. Do it right. Good luck, JT Agree. It's a decent amount of work, depending on how well the wall paper was applied originally. Think of it as a cheap alternative to a gym membership. It's a good workout. If you paint, and d...
by mariezzz
Sun Dec 02, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 6039

Re: I'm up 5% ytd and I will take it

The market is not worth keeping track of day to day and hardly worth tracking year to year or worrying about. Every investor should have a 50+ year time horizon and pretty much ignore financial movements and news. How can a 61 year old have a 50+ year timeline. Be determined to live a long time. :)
by mariezzz
Sun Dec 02, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 182
Views: 19582

Re: Best values at Costco? Honestly, a little disappointed...

It may not be worth a CostCo membership if you have to drive an hour. If you shop sales, stock up on those things that won't spoil (and as a bonus, have Trader Joe's in your area, which has a lot of organic options on produce, in smaller packages), on groceries, it's not all that difficult to match ...
by mariezzz
Sun Dec 02, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Norton Security Deluxe subscription offer
Replies: 12
Views: 564

Re: Norton Security Deluxe subscription offer

[url=https://www.amazon.com/Norton-Security-Deluxe-Device-Download/dp/B01MF5MTWP?th=1]Norton Security Deluxe - 5 Device [Amazon Exclusive - 15 Month- 3 months free] - $1 I don't think you have to stay "in" the subscription plan. Install it, then turn that off etc. Read thru the questions on the Ama...
by mariezzz
Sat Dec 01, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Norton Security Deluxe subscription offer
Replies: 12
Views: 564

Re: Norton Security Deluxe subscription offer

Just saw a 1 year "subscription" to Norton Security Deluxe for $19.99 for upto 5 devices, that "automatically renews" to new rate at end. I have usually waited for best deals on either Mcafee or Norton this time of year to protect home computer. Never had a subscription plan, usually buy that year'...
by mariezzz
Sat Dec 01, 2018 2:33 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6424

Re: Ally just raised Online Savings accounts to 2% APY

RandalThor wrote:
Fri Nov 16, 2018 11:28 pm
Vanguard Prime MM (VMMXX) is at 2.25% currently.
Yes, that's what I was thinking.
by mariezzz
Tue Nov 27, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1653

Re: Any Refrigerator Repair Specialists in the House?

Lots of youtube videos that explain the basics of how refrigerators work. Under many refrigerators, you'll find a folded sheet of paper with some important information - circuit diagrams, and quite often, information on how to get into the 'service mode" to cycle through checks on each component to ...
by mariezzz
Tue Nov 27, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 4954

Re: So that's why 2-day shipping isn't what I expected!

this is why I canceled 'Prime' - why would I pay for two day shipping if i'm not getting two day shipping?? We are not renewing in January. I couldn't tell you the last time we received a package within 3 days, the last one took 8 days. The only thing that kept me on this year was the 5% cash back ...
by mariezzz
Tue Nov 27, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: TIAA: compensation of Wealth Management Advisor
Replies: 19
Views: 1928

Re: TIAA: compensation of Wealth Management Advisor

My TIAA WMA is fine, just fine. I contributed to TIAA (-CREF) for 41 years and have been retired for 5+ years thus far. He hasn't tried to be pushy whatsoever and I suspect he knows that some of we engineers can be cranky if he gets pushy, so he behaves nicely. I'm planning a lump sum Roth conversi...
by mariezzz
Tue Nov 27, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7432

Re: Employeer taking vacation days on public holidays - is this legal or normal?

If your wife had a contract, that should define the terms of employment for a certain time period. The beauty of your situation is that your wife is an MD, with more job options than most people have, at much higher pay. The answer here is to start looking for a position with terms and pay that bett...
by mariezzz
Mon Nov 19, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10902

Re: Favorite "free stuff"?

I get free bagpipe concerts about once a week at my library. The librarian is a piper and goes out and marches and plays at lunch all summer. I also get 2 or so free author lectures and readings at our branch library most summers. I used to give the library my old used paper books. But now I read m...
by mariezzz
Mon Nov 19, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10902

Re: Favorite "free stuff"?

Free water at Starbucks, samples at Costco, Internet at library and where I live free parking/entry at the beaches and free tennis at local parks. Do you at least crack a fresh can of balls, or do you pick up strays to preserve the freeness? If your neighbor has a dog, you might get a yard full of ...
by mariezzz
Mon Nov 19, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10902

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by mariezzz
Mon Nov 19, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans After Enrolled in Public Service Loan Forgiveness (PSLF)?
Replies: 6
Views: 668

Re: Refinance Student Loans After Enrolled in Public Service Loan Forgiveness (PSLF)?

"A qualifying loan for PSLF is any nondefaulted loan you received under the William D. Ford Federal Direct Loan (Direct Loan) Program." \Read this page carefully: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#eligible-loans You can't refinance Direct Loans and hav...
by mariezzz
Mon Nov 19, 2018 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loans After Enrolled in Public Service Loan Forgiveness (PSLF)?
Replies: 6
Views: 668

Re: Refinance Student Loans After Enrolled in Public Service Loan Forgiveness (PSLF)?

"A qualifying loan for PSLF is any nondefaulted loan you received under the William D. Ford Federal Direct Loan (Direct Loan) Program." Read this page carefully: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service#eligible-loans You can't refinance Direct Loans and have ...
by mariezzz
Mon Nov 19, 2018 1:40 am
Forum: Personal Consumer Issues
Topic: My car was totaled. Do any of you have experience with this process?
Replies: 48
Views: 2911

Re: My car was totaled. Do any of you have experience with this process?

How would the telephone company know it was you (the OP) that hit the box? Police report. Insurance report. Honesty. As others have said, insurance should cover the damage. I would think insurance company would be responsible for notifying owner of the telephone box. Wouldn't they be negligent if t...
by mariezzz
Sat Nov 17, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4908

Re: Update Re: Hubby soon to be laid off

Glad it all turned out well. I wouldn't sweat the smaller contribution to retirement accounts for this year. It won't really make much of a difference long term. If you really feel it does, you both can just work a month or two beyond when you were planning to retire; that will make up the difference.
by mariezzz
Sat Nov 17, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4928

Re: When is Too Long to Return a Hair Dryer to Costco?

One could argue that we have started to expect too little from products. A hair dryer - an electric heating element and an electric motor? Should last for a very long time. Four years is not a very long time unless they were using it as a heater in the winter and a fan in the summer. +1. I have a t...
by mariezzz
Thu Nov 15, 2018 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Failed to take RMD for 5 yrs. Inherited IRA from trust.
Replies: 9
Views: 1408

Re: Failed to take RMD for 5 yrs. Inherited IRA from trust.

Alan S. always gives such beautifully written, to the point, explanations, with all sorts of useful practical info. I feel so fortunate to be able to benefit from your knowledge, Alan S. Thank you. (This isn't my situation, but I like to read your advice because it provides good insight, even if I d...
by mariezzz
Thu Nov 15, 2018 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 43
Views: 2790

Re: Home addition vs. Buying New

Friends of ours have a similar basement. Code would not allow them to put do a real finished basement. But they brought in a number of foam backed carpets, painted the ceiling and walls white, put up storage on the walls and shelves and desks and installed lots of protected lights. The result was a...
by mariezzz
Thu Nov 15, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Upstairs Floor is No Longer Used....
Replies: 22
Views: 2819

Re: Upstairs Floor is No Longer Used....

If you want to keep air from downstairs moving upstairs in winter, a good old fashioned solution is to hang an old blanket across the doorway (top of the stairway). Doesn't seal it off but fairly effective. Use a curtain rod up high enough so the blanket covers the top of the stairway opening.
by mariezzz
Wed Nov 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13128

Re: Worth fixing a 30-year-old Maytag dryer?

but the noises seem to be coming from the drum rollers and/or the drum bearing. About 10 years ago our '30 year old' dryer developed the same noises. The plates that support the two pins that carry the rollers had deteriorated. If you are handy and have some material to replace those supports you c...
by mariezzz
Wed Nov 14, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 727
Views: 108038

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Class action lawsuit - but only in Georgia: https://www.carcomplaints.com/news/2018/honda-fuel-dilution-problems-class-action-lawsuit.shtml Still, might get Honda's attention. Honda fuel dilution problems have caused a lawsuit that alleges 2015-2018 Honda Civics, CR-Vs and Honda Accords have 1.5-lit...
by mariezzz
Wed Nov 14, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8418

Re: Vanguard investor class shares on their way out?

Is there really much more expense to Vanguard from "investor shares" than there are from "admiral shares"? It seems like the difference is mainly one of bookkeeping, and there can't be much added expense there. Yes there is. Running the call center. It costs just as much to service a $1,000 client ...
by mariezzz
Wed Nov 14, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 9130

Re: cvt transmissions

https://www.carcomplaints.com/Honda/Civic/ shows that Honda Civics (& some Accords) had quite a few problems with the CVT. When CVTs have problems, they're pricey to repair ($2300). See also https://www.carcomplaints.com/Honda/Civic/transmission/ That site is good for comparing years across a given ...
by mariezzz
Wed Nov 14, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8418

Re: Vanguard investor class shares on their way out?

Is there really much more expense to Vanguard from "investor shares" than there are from "admiral shares"? It seems like the difference is mainly one of bookkeeping, and there can't be much added expense there. I would think the biggest expense with a lower-balance account (i.e., not enough in any p...
by mariezzz
Mon Nov 12, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2333

Re: 30" or 36" induction range for remodel?

I have a 36" cooktop and 30" double wall ovens. They were both installed more than twenty years ago and both were recently replaced. My cooktop is not induction, so I cannot comment on the value of induction, but I wouldn't want to spend that much on a cooktop. Friends and family have spent a lot o...
by mariezzz
Mon Nov 12, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Will I Get Approved for with no Credit Score?
Replies: 7
Views: 697

Re: Which Credit Cards Will I Get Approved for with no Credit Score?

I have no credit history thus no credit score. Is there any chance I could be approved for the Boa cash rewards card, or would I need to start with a secured card? Someone else mentioned Capital one ; I was also going to say that. There's the Capital One Journey student credit card; there may be ot...
by mariezzz
Mon Nov 12, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2794

Re: How long have you had, or did you have, your HP-12C calculator?

I've had mine since they were introduced. Online sources say that was 1981, although I have an inclination to think it might have been a bit earlier. My memory isn't that precise. 1981 is about right and they cost over $200 at the time as I recall . Back in the days when HP and other companies made...
by mariezzz
Mon Nov 12, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9349

Re: retirement travel: RVs vs fly/drive/hotel

GoldStar wrote:
Mon Nov 12, 2018 3:28 pm
I'm not saying they aren't a problem - I'm just saying the chance of them impacting you at any hotel or AirBnB you stay at is likely very very small.
I'd suggest doing your own research. You may have a different risk tolerance than I do. :sharebeer
by mariezzz
Mon Nov 12, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9349

Re: retirement travel: RVs vs fly/drive/hotel

2 words. Rainy days. That sounds like how I traveled when I was 25, only it was a minivan, not a SUV. Now that I’m not 25, I’ll stick with the real bed, kitchen, and bathroom of my motorhome. My bed is comfortable, I can cook and take showers when and where I want. On a cold, rainy day, I don’t wan...
by mariezzz
Mon Nov 12, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9349

Re: retirement travel: RVs vs fly/drive/hotel

If you want to keep it really simple and less expensive: How about an SUV, remove a row of seats (or both rows). Add a nice futon, or air mattress if you want less bulk. Put up some curtains to block windows. Have a small tent if you want to use that at times. Perhaps tow a small trailer if you wan...
by mariezzz
Mon Nov 12, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 177
Views: 23815

Re: IRS publishes draft 2018 1040 - Huge changes made

There are also some of us who prefer to see everything at once, i.e. on one side of a full sheet. That was sarcasm back there, the two sided half-sheet (it's a post card, yay :!: ...taxes are simple now) is the dumbest part of this. One thing about paper filing is I have an intimate understanding o...
by mariezzz
Tue Nov 06, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: ACA in early retirement question.
Replies: 20
Views: 1404

Re: ACA in early retirement question.

Earl Lemongrab wrote:
Tue Nov 06, 2018 4:00 pm
One of the side-effects of having a pension is no ACA subsidy for me.
That's kind of like saying " the problem with having a pile of gold is that people want to steal it".
by mariezzz
Mon Nov 05, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9349

Re: retirement travel: RVs vs fly/drive/hotel

If you want to keep it really simple and less expensive: How about an SUV, remove a row of seats (or both rows). Add a nice futon, or air mattress if you want less bulk. Put up some curtains to block windows. Have a small tent if you want to use that at times. Perhaps tow a small trailer if you wan...