Search found 181 matches

by GeoffD
Sat Mar 28, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13064

Re: How are you going to use your stimulus money?

I guess I fall in the semi-retired and probably retired bucket where I don't give high odds of working again beyond dribs & drabs of beer money. In 2019, I had a slice of 1099-MISC consulting money and pulled a bit out of a 401(k) around Thanksgiving to top myself up to the top of the 12% bracket. I...
by GeoffD
Sat Mar 28, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: SP500 PE is still above average 3/28/2020
Replies: 12
Views: 1027

Re: SP500 PE is still above average 3/28/2020

For a lot of companies, it's pretty likely that PE for Q2/Q3 will be a #DIV0 trap. Price to earnings is backwards-looking. It's the wrong thing to be looking at today.
by GeoffD
Thu Mar 26, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: How capable is public broadband of supporting increased usage?
Replies: 38
Views: 1978

Re: How capable is public broadband of supporting increased usage?

This thread is based on a false premise. Telecommuting hardly adds any load at all. The 800 pound gorilla is IP streaming video. Peak busy hour is in the evening. The evening load is bigger now because everyone is stuck at home watching Disney+, Netflix, and Amazon Prime on their panels. This all de...
by GeoffD
Thu Mar 26, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4501
Views: 1263614

Re: What Book Are You Currently Reading? Part VI

Ancillary Justice by Ann Leckie. It won all the Science Fiction awards in 2014. I’m 40% of the way through. It’s kind of like reading Dune the first time where it’s a bit hard to follow.
by GeoffD
Mon Mar 23, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Recommendations for Portuguese Red Table Wines
Replies: 7
Views: 454

Re: Recommendations for Portuguese Red Table Wines

I buy Monte Velho, an Alentejano red blend. I pay $80/case. At $6.67/bottle, it’s a really good house red. Somewhat fuller bodied than most cheap Portuguese reds. It has some Syrah and Pinot Noir in it in addition to the traditional Portuguese red grapes so the finish is better than most at that pri...
by GeoffD
Mon Mar 23, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: United charging $100 to cancel Houston to Boston flight in April
Replies: 13
Views: 2210

Re: United charging $100 to cancel Houston to Boston flight in April

I have a BOS-LHR flight in early May using Delta FT points on Virgin Atlantic metal. It’s the same zero communication issue about awards tickets and there’s no point in calling reservations since it’s a many hour queue and I don’t need to deal with it yet.
by GeoffD
Tue Mar 17, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Does Verizon FIOS let you take your Internet with you?
Replies: 11
Views: 575

Re: Does Verizon FIOS let you take your Internet with you?

if your phone has unlimited data have you thought about using it as a hotspot? Good tip, but I do not want to use up my phone's data. I know Optimum in NYC offers city-wide free wifi for paid subscribers. Not sure if Verizon FIOS offers something similiar.. In 2020, Verizon is a wireless company wi...
by GeoffD
Tue Mar 17, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6653

Re: Take out food vs COVID 19

From the FDA.gov website: Q: Can I get sick with COVID-19 from touching food, the food packaging, or food contact surfaces, if the coronavirus was present on it? A: Currently there is no evidence of food or food packaging being associated with transmission of COVID-19. So, if you cannot get it from...
by GeoffD
Tue Mar 17, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6653

Re: Take out food vs COVID 19

On the microwave thing, I doubt most people would nuke takeout food long enough to create the temperature that would kill a virus. I would think takeout pizza reheated in a 425 oven would be fine. We’re mostly sticking to cooked homemade food. Blueberries are the only thing in the fridge where it’s...
by GeoffD
Mon Mar 16, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6653

Re: Take out food vs COVID 19

On the microwave thing, I doubt most people would nuke takeout food long enough to create the temperature that would kill a virus. I would think takeout pizza reheated in a 425 oven would be fine. We’re mostly sticking to cooked homemade food. Blueberries are the only thing in the fridge where it’s ...
by GeoffD
Sun Mar 15, 2020 5:29 am
Forum: Personal Consumer Issues
Topic: Coffee Makers
Replies: 55
Views: 3257

Re: Coffee Makers

We have a Zojirushi 10 cup drip coffee maker with a thermal carafe. The water tank removes so you fill the tank at the sink rather than pouring water into it. The coffee reservoir is flat bottomed so the basket for the coffee grounds is easier to fill an clean than a cone-shaped one.
by GeoffD
Sun Mar 15, 2020 5:14 am
Forum: Personal Consumer Issues
Topic: Suggestions for top notch router?
Replies: 56
Views: 2221

Re: Suggestions for top notch router?

The 80Mbps you get from your current setup is almost certainly more than adequate for anything you need to do. As others have stated, 1Gbps is overkill for home, and it won’t improve anything for typical day to day use to increase the speed you have now. If you have coverage or interference issues ...
by GeoffD
Sun Mar 15, 2020 4:42 am
Forum: Personal Consumer Issues
Topic: Suggestions for top notch router?
Replies: 56
Views: 2221

Re: Suggestions for top notch router?

This is nonsense. The guy has an 1,800 square foot house and 8 devices. What he needs to do is find out how many WiFi channels his best PC uses and buy a router that matches. Chances are it’s 2 or 3 channels on 5 GHz AC. An awful lot of laptops only have 1 or 2 channels. An expensive router is like ...
by GeoffD
Sun Mar 15, 2020 3:26 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15697

Re: Coronavirus Flight Cancel Thread

I should also add for those who are cancelling for a voucher that you consider the health of the airline. I have no doubt some airlines aren't going to make it out of this. It might be better to take your lumps now and get something back vs voucher that might become worthless if the airline goes ou...
by GeoffD
Thu Mar 12, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

Sudafed is on my list for today. Mine is expired. At least people can’t hoard that since you have to do the “I am not a meth lab” database registry.

We have plenty of food. At this point, it’s replacing what we consume.
by GeoffD
Thu Mar 12, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 7174

Re: Coronavirus Movie Suggestions

I watched Resident Evil the other day. The Boston Biogen meeting is Racoon City and the Umbrella Corporation. I own the first 4 or 5 of that franchise but only the first one is worth watching again. I was looking at my big collection of zombie movies that are all grouped together in a 400 disc folio...
by GeoffD
Wed Mar 11, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Time to get a new tax guy?
Replies: 28
Views: 2207

Re: Time to get a new tax guy?

$1,000 for H&R Block level of service? Nope.
by GeoffD
Wed Mar 11, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3756

Re: Unmarried home ownership, joining his preexisting purchase

I was concerned my post about getting a new boyfriend was too harsh, seeing the other posts makes me realize I wasn’t harsh enough. You should be splitting expenses based on income, not 50/50. Yep. I’m People’s Republic of Relationships. $1,400 on that income? Upgrade boyfriends. What you wrote abo...
by GeoffD
Wed Mar 11, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: What type of new laptop? Chromebook? Apple? Or ?
Replies: 24
Views: 1760

Re: What type of new laptop? Chromebook? Apple? Or ?

I’ve been running LibreOffice for years on my personal machine. I also started running Thunderbird for personal email many years ago to keep it away from the work Exchange server. I have no problem with Excel spreadsheets and word documents. Most people use web email these days so Outlook isn’t esse...
by GeoffD
Wed Mar 11, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Internet speed vs Modem speed
Replies: 17
Views: 1331

Re: Internet speed vs Modem speed

I worked for cable modem companies for a decade so I’ll give it a shot: The data over cable standard, DOCSIS added a feature called channel bonding with DOCSIS 3.0. This was around 2008. It let the cable modem use multiple channels simultaneously. The early D3.0 modems supported 4 downstreams. You c...
by GeoffD
Sat Mar 07, 2020 11:01 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

No. People's natural inclination for fearing dying says it all. People know that the deaths in Washington state were mainly of the elderly with underlying issues. Wouldn't rational people factor that in? But people are not rational. Have you ever had pneumonia? It's totally rational to try to avoid...
by GeoffD
Sat Mar 07, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Talk me into or out of a new vehicle purchase
Replies: 29
Views: 2385

Re: Talk me into or out of a new vehicle purchase

I'm not convinced this is the best time to buy a car. On one side, with all the uncertainty, it's likely that new car sales are going to be way off deeper into the year. That suggests that there will be a lot of deals. On the other side, there are supply chain problems where some production lines ar...
by GeoffD
Wed Mar 04, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Car Totaled, need to find a new car
Replies: 26
Views: 1815

Re: Car Totaled, need to find a new car

Okay, so I went and found the Consumer Reports. April 2020, pp. 82-83. They like these ones for <$10k (above average for both reliability and test scores): 2011-13 Honda Fit 2012-14 Toyota Prius C 2011-14 Mazda 3 2011-13 Nissan Leaf 2010-14 Toyota Corolla 2010-12 Toyota Prius 2010-11 Toyota Avalon ...
by GeoffD
Wed Mar 04, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Car Totaled, need to find a new car
Replies: 26
Views: 1815

Re: Car Totaled, need to find a new car

Just be aware there can be some insurance ramifications for fixing up a totaled vehicle. I had a ten year old minivan that was totaled by a hail storm. It was perfectly drive-able without any work whatsoever. But if I were to pocket the settlement check and keep the vehicle, the amount of the settl...
by GeoffD
Wed Mar 04, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2485

Re: TV recommendations?

I bought a 65 inch Samsung Q80 last November and really like it. I seriously considered OLED but get not past the risk of burnin. I have a friend who does TV repairs for a major electronics retailer and he said they see lots of burnin issues with OLED. Since you already have plasma, that may not be...
by GeoffD
Tue Mar 03, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is "buy in" to a CCRC deductible as a medical expense?
Replies: 57
Views: 2805

Re: Is "buy in" to a CCRC deductible as a medical expense?

Tax considerations aside, my biggest concern about CCRC is how good is their assisted living and skilled nursing? And how good will it be if/when I need it? If you are not tied to a CCRC, and you wind up in a facility that is not suiting your needs, you can move. With a CCRC, you can still move, bu...
by GeoffD
Tue Mar 03, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2693

Re: Selling house- how to make it look appealing

I don't think enough has been said about curb appeal. In my zip code, a freshly mowed lush green lawn which might take a year of attention to fix. None of the plantings overgrown. All the beds freshly mulched. If it's an asphalt driveway with blemishes, a fresh coat of sealant. If the house is paint...
by GeoffD
Tue Mar 03, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Making public vs. private high school decision
Replies: 59
Views: 3497

Re: Making public vs. private high school decision

Generally, a GreatSchools 10 just means that most of the students have college educated white collar professional parents. It says pretty much nothing about the actual quality of the school. Generally, a highly selective academically oriented strong private school is going to cover a heck of a lot m...
by GeoffD
Mon Mar 02, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Retire or relocate to Portland, Maine
Replies: 34
Views: 6150

Re: Retire or relocate to Portland, Maine

How do you envision spending your time? It’s hard to say much constructive without having some kind of profile. I can tell you about sailing on Casco Bay or Indian/Sushi in Portland or the beaches around Kennebunkport.
by GeoffD
Mon Mar 02, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: Retire or relocate to Portland, Maine
Replies: 34
Views: 6150

Re: Retire or relocate to Portland, Maine

Anywhere in New England, make sure you understand energy costs. Electricity is costly. Much of Northern New England has no natural gas. Elsewhere in New England, natural gas is the most expensive in the lower 48. The housing stock is old and not very energy efficient.
by GeoffD
Mon Mar 02, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5654
Views: 1367886

Re: What Movie Have You Recently Watched?

I watched Sahara. Clive Cussler died last Tuesday. I’ve always liked the Dirk Pitt books and read the first dozen or so. It’s interesting to see a buffed and normal body weight Matthew McConaughey from before he did Dallas Buyers Club. For me, it’s a watchable popcorn movie even though it didn’t do ...
by GeoffD
Mon Mar 02, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

Could I use triple ply as a face mask? Who cares if face masks are sold out! My doctor says face masks do help but only if worn by sick people. They don’t keep the virus from escaping the masks but do reduce the distance particles travel from a sneeze or cough If an individual stays 6 feet away fro...
by GeoffD
Sat Feb 29, 2020 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Cell phone usage in Europe
Replies: 27
Views: 1665

Re: Cell phone usage in Europe

This is only a 1 week trip. Why wouldn’t you just use the AT&T $10/day service? I use the Verizon equivalent. I have a Skype account for outbound calls. Skype presents my cell phone CallerID so nobody knows it’s Skype or my location. I put $10 on it five years ago to make Asia business calls. I stil...
by GeoffD
Sat Feb 29, 2020 6:11 am
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6333

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

I'm willing to bet that home-based safe thefts are more common than bank safe deposit box thefts. I don't know anyone who has had a theft of a home safe (not saying it doesn't happen), but do know someone who lost what was in a safe deposit box. Back in the 1980s my safe (about 200 pounds) was stol...
by GeoffD
Sat Feb 29, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2485

Re: TV recommendations?

I too am a huge fan of the LG OLEDs, but if you’re mostly watching the news and sports, buy a cheaper TV. I disagree on sports. I want the best picture quality possible. I still haven’t given up my two 50” plasma panels. I’m starting to get power supply buzz out of one of them. It looks like you ca...
by GeoffD
Sat Feb 29, 2020 5:12 am
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1133

Re: Boiler cracked - heating alternatives?

I don’t think the people responding to this thread understand the pipeline capacity problem that makes natural gas wildly expensive in Massachusetts. Ditto electric. Personally, I’d be looking for a dual fuel boiler or one that can be quickly converted between oil and natural gas if oil prices shoot...
by GeoffD
Fri Feb 28, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Housing market in context of recent volatility
Replies: 9
Views: 657

Re: Housing market in context of recent volatility

I think that US markets where single family homes aren't affordable on W2 money are likely to see large corrections if the market corrects another 10% and stays there for a couple of years. You can't cash in your company stock to buy that $1.25 million starter home on a postage stamp lot in Sunnyval...
by GeoffD
Fri Feb 28, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Fix this car or cut losses?
Replies: 13
Views: 1053

Re: Fix this car or cut losses?

Assuming this is an automatic, the 2008 Eos had the DSG dual clutch automatic manual transmission. I had one in a 2007 GTI and this likely has the same 2.0T 200 hp 4 cylinder turbo. Most transmission shops won’t know how to deal with it. The most common issue is that the clutches eventually wear out...
by GeoffD
Fri Feb 28, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1523

Re: Inverter for laptop with Fast charge USB

Something like a Samsung Notebook 9 Pro charges with USB-C. It ships with a 65w power supply so it drives about 3 amps at 20v. The Lenovo 65w USB-C car power adapter with the 12v to 20v dc to dc converter brick is $60 on Amazon Prime. Model # 40AK0065WW. There are cheaper ones but I’d rather buy a m...
by GeoffD
Fri Feb 28, 2020 6:44 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 195769

Re: Bogleheads community discussion - Coronavirus

This might be a good excersize. If this pandemic is only an average 2% <0.15% for flu> morbidity rate, it might prompt us to get national public health system act in gear for the next pandemic. Sorry if you happen to be older, or in poor health, the dice roll gets worse. The data is incomplete but ...
by GeoffD
Fri Feb 28, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

Will be calling the medical stores tomorrow but I’m not holding my breath. Victoria, got room in your act for a partner? :happy Umm don’t know what that means. Looking for N95 breathing mask, “not holding my breath”. A joke isn’t funny if you have to explain it, I guess. Sorry but what does that ha...
by GeoffD
Thu Feb 27, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: coronavirus and your health insurance cost
Replies: 8
Views: 936

Re: coronavirus and your health insurance cost

Tests for the coronavirus for people who have reason to think they've been exposed probably should be free. Yep. As a public health thing, you want anyone showing symptoms to get tested for MERS-CoV and you absolutely don't want them going to an Emergency Room to do it spreading the disease around ...
by GeoffD
Thu Feb 27, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 7951

Re: Cancel flights due to coronavirus concerns?

I dont have the 2019 numbers at my finger tips but I absolutely guarantee that in the UNITED STATES they are worse for all of those statistics. Chance of getting chance of being really ill chance of dying etc. Nobody died of the Spanish Flu (H1N1) in 1917. Therefore, by your logic, it clearly could...
by GeoffD
Thu Feb 27, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

aqan wrote:
Thu Feb 27, 2020 7:07 am
Teague wrote:
Wed Feb 26, 2020 10:45 pm
aqan wrote:
Wed Feb 26, 2020 10:40 pm
Will be calling the medical stores tomorrow but I’m not holding my breath.
Victoria, got room in your act for a partner? :happy
Umm don’t know what that means.
Looking for N95 breathing mask, “not holding my breath”. A joke isn’t funny if you have to explain it, I guess.
by GeoffD
Thu Feb 27, 2020 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Does Biomedical Engineering School Matter?
Replies: 94
Views: 6442

Re: Does Biomedical Engineering School Matter?

I'm an engineer, but admittedly in a different field. I been hiring manager or on hiring team for >25 entry level engineers. For reference, I went to a well regarded private school for my degrees, but many of my coworkers went to state schools with decent programs. Some went to private schools not ...
by GeoffD
Wed Feb 26, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 7951

Re: Cancel flights due to coronavirus concerns?

I do not think that there is any evidence that COVID19 is more deadly than influenza. The overwhelming majority of those that died in China from COVID 19 likely died due to a lack of adequate access to sufficient healthcare. Contrast that with influenza, where people are currently dying by the thou...
by GeoffD
Wed Feb 26, 2020 4:57 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24241

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

The UK will be a much safer place to be in the face of coronavirus than the US. Bottom line, the British health system is much more effective than the US in patient outcomes at the median and especially at the bottom. For a pandemic, this latter is particularly important, since a significant untrea...
by GeoffD
Wed Feb 26, 2020 4:27 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138520

Re: Coronavirus (Consumer Issues) How you are preparing?

I have definitely changed my mind on this one. So far, I have gotten the following: 1. 50 N95 masks 2. 3M Respirator 3. 50 surgical masks 4. 5 large cans Lysol 5. bleach cleaner 6. laundry disinfectant 7. 5 white Tyvek suits 8. 3 plastic goggles 9. 1 package shoe covers 10. Some additional canned f...
by GeoffD
Tue Feb 25, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Catch 22 with Gold Medallion Requirement for Exercising POA for Father
Replies: 56
Views: 3740

Re: Catch 22 with Gold Medallion Requirement for Exercising POA for Father

Is there a local office for Fidelity, Schwab or another brokerage firm near FIL that you and FIL can go to in person? If FIL transfers the IRA to the new brokerage, the receiving brokerage will be happy to provide the medallion guarantees necessary for the Transfer of Account and POA/Agent Authoriz...