Search found 56 matches

by danielrhall
Mon May 10, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - just A + B?
Replies: 76
Views: 5717

Re: Medicare - just A + B?

I'm not sure why N would even be considered. G HD vs G seems like better options. N isn't that much cheaper than G but has no out of pocket max on the co-pays, if I recall correctly. I guess it might depend on where you live and what the price difference between G and N is. Someone just told me tha...
by danielrhall
Sun Mar 21, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: budget espresso maker
Replies: 67
Views: 3827

Re: budget espresso maker

If you don't go the route of the super automatic machine with built in grinder or a pod machine, and you don't already have one, please know that you're going to also have to spend north of $100 for a burr grinder in order to make consistently good espresso. A whirly blade grinder isn't going to cut...
by danielrhall
Fri Mar 19, 2021 5:36 pm
Forum: Personal Investments
Topic: Personal Capital pressures
Replies: 29
Views: 3343

Re: Personal Capital pressures

I'm always amazed to hear claims of "pressure" from Personal Capital. I've used them for tracking things since about the time they started. Maybe once or twice a year I receive a call asking if I'm interested in their other services. Usually they just leave a voicemail and don't call back...
by danielrhall
Tue Feb 23, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6697
Views: 1464355

Re: What Movie Have You Recently Watched?

I was hoping for a serious drama that showed the ethical decline of someone working as a guardian. We get that for about the first 20 minutes. Then it turns into a comic book movie. Right down to the super villain. I mean the stylized pastries, pulling a gun on someone in an abandoned parking lot, ...
by danielrhall
Tue Jan 26, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 119
Views: 9504

Re: What's your favorite reasonably priced gin?

After a lot of blind taste tests, I've found that I prefer: Martini: Bombay Sapphire or Hendrick's, probably Bombay Sapphire due to cost Bee's Knees, Last Word: Tanqueray or Beefeater, probably Tanqueray slightly more Negroni: any of the above depending on the flavor profile I'm feeling like having...
by danielrhall
Sun Dec 20, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 858
Views: 96654

Re: Fidelity free Turbotax

Looking at this footnote on the page, I don't think I know what PWI or PI means. Does anyone know? I'm certainly not an "active trader" as I might have done 4 trades this year. Still, I got the free download so I guess I don't care too much. PWI = Personal & Workplace Investments (aka...
by danielrhall
Sat Nov 21, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Kitchen Scale
Replies: 22
Views: 993

Re: Kitchen Scale

What's the best? My primary use is weighing the proper dose of coffee beans. My requirements: Cost: $100 is not out of the question, but almost. Capacity: 2000g or more. Precision to 0.1 gram. I've gone up on acceptable cost because of those last two. They are probably the same fault. But seriously...
by danielrhall
Sat Oct 24, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 107
Views: 3712

Brome: great feeders and company!

Yet another vote for Brome SquirrelBuster feeders. Not only have the feeders been pretty effective in thwarting squirrels in my experience, but Brome is a very good company who stand behind their products and their customers. Though their warranty explicitly excludes damage by bears, they have, thre...
by danielrhall
Tue Jun 23, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: roof attic fan
Replies: 42
Views: 2706

Re: roof attic fan

If the ridge vent and soffit vents are properly sized, you should NOT have a attic fan. It disrupts the flow of fresh air between the roof joists and along the bottom of the roof sheathing. which is the reason for a ridge vent, making shingles last longer. If properly sized (soffit and ridge vent) ...
by danielrhall
Sat Apr 18, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 103
Views: 11106

Re: Should I buy a new rice cooker from Zojirushi?

Yes. I cook brown rice in mine often. It does it right every time. The brown rice cycle is about 100 minutes but the timer works well to get the rice done at a specific time. Wow, that's a long time for me to go hungry. :? My current Zojirushi rice cooker (the very simple one with on button only) t...
by danielrhall
Sun Mar 01, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Retire Old Desktop Computer
Replies: 40
Views: 3082

Re: Retire Old Desktop Computer

furwut wrote: Sun Mar 01, 2020 2:23 pm When it comes to disposing Apple and Best Buy will take all electronics without regard to where you purchased it.
And Staples.
by danielrhall
Wed Feb 19, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11712

Re: Perform own oil change pros & cons?

I use an oil extractor through the dipstick - the best invention ever! No ramps, no crawling under the car, and no messing with drain plug. Pump out and refill plus a new oil filter. My local autoparts store has a free oil disposal center afterwards. The only problem is my new BMW does not have dip...
by danielrhall
Wed Feb 05, 2020 12:11 am
Forum: Personal Consumer Issues
Topic: Longest battery smart phone
Replies: 35
Views: 2654

Re: Longest battery smart phone

I saw the one in your link, but this from the same company looks good too, because it claims to do fast charging. https://www.amazon.com/gp/product/B01JIYWUBA/ref=ox_sc_act_title_1?smid=A294P4X9EWVXLJ&psc=1 It will charge your phone just fine, but you may be wasting money on its Quick Charge 3....
by danielrhall
Mon Feb 03, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Longest battery smart phone
Replies: 35
Views: 2654

Re: Longest battery smart phone

Hi, I'm curious about suggestions on the longest lasting smartphones please. When I do a search, two phones come up as purported to having the longest battery life, the Moto G7 Power (5000 mAh) and Galaxy M30s (6000 mAh !!). Any experience with these anyone? The main reason I am looking for such a ...
by danielrhall
Mon Jan 27, 2020 9:54 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Tax Forms start to be available
Replies: 11
Views: 1385

Re: Fidelity Tax Forms start to be available

If you hold some types of mutual funds (especially REIT ETF/funds), it can take a while for the 1099 to be generated, since brokers have to wait to get info from the MFs. And in the case of REITs, I think it goes REIT -> ETF/Fund -> Brokerage. Yup. In my case, the delay is due to an international i...
by danielrhall
Wed Jan 08, 2020 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 858
Views: 96654

Re: Fidelity Free Turbotax 2019

Well, I guess I know where I stand with Fidelity. I have a current 401k, a former 401k, and an HSA with them and all I get is a link offering me $20 off TT. :annoyed Unfortunately, you sometimes don't get credit for 401Ks as Fidelity is often just the "recordkeeper" and those assets are o...
by danielrhall
Sat Dec 28, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 39621

Re: Turbotax 2019 on Amazon

RickBoglehead wrote: Sat Dec 28, 2019 5:59 pm
sss2009 wrote: Sat Dec 28, 2019 3:18 pm Strange that the deluxe (no state) + 10 gift card option is ONLY for Mac Download, and NOT for PC download. Or am I missing something?
You are missing something. Just click on PC Download.
It's there now but it wasn't earlier today. I too tried.
by danielrhall
Thu Dec 26, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Latex mattress
Replies: 22
Views: 1480

Re: Latex mattress

There are only 2 companies in the world that make latex mattresses: Tallalay and Dunlop. Tallalay (sp?) and Dunlop are the 2 types of latex used to make mattresses. They are NOT the names of 2 latex mattress companies. Closer. Talalay and Dunlop are the two processes used to make latex foam. They b...
by danielrhall
Sat Dec 07, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 36319

Re: Retirement Friendly States

States with no state income taxes: Washington, Nevada, Texas, Wyoming, South Dakota, Florida and Alaska NH has no income or sales tax. Although there is no income tax on W-2 income, NH does have a 5% tax on investments and dividends which would make NH, in many instances, not tax friendly for retir...
by danielrhall
Tue Nov 19, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Exposure to Cigarette Smoke in Portugal Restaurants/Bars
Replies: 9
Views: 2039

Re: Exposure to Cigarette Smoke in Portugal Restaurants/Bars

I just returned from a trip to Lisbon and Porto and thoroughly enjoyed it. As mentioned, the food and wine is fabulous and so very inexpensive. Smoking was never a problem inside at restaurants and bars but be aware it is allowed on outside terraces.
by danielrhall
Mon Oct 28, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have a 2019 Schedule D worksheet?
Replies: 1
Views: 284

Re: Does anyone have a 2019 Schedule D worksheet?

I use this site's forms for estimating and verifying my own work.

https://sites.google.com/site/excel1040/home
by danielrhall
Tue Aug 20, 2019 12:59 pm
Forum: Personal Investments
Topic: Timing a Roth Conversion
Replies: 8
Views: 1186

Re: Timing a Roth Conversion

Correct. Or you could convert half of it now and half at the end of the year (or when the markets drop further). I'd suggest you do a dummy tax return for this year to estimate what this year's taxes will be. You can use 2018 tax software to get close enough. Haha do people DCA Roth conversions? Th...
by danielrhall
Thu Jul 11, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating 2019 federal income taxes (to pay in 2020)
Replies: 11
Views: 1923

Re: Estimating 2019 federal income taxes (to pay in 2020)

The best tool that works for me is found here: https://sites.google.com/site/excel1040/ Second that recommendation. This tool is an Excel version of a real tax return, with the 2019 rates already implemented. If you can do your own taxes (and that's a good thing...) then you can fill in the numbers...
by danielrhall
Thu Jun 13, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4914

Re: Which shaving cream / oil?

Are you Proraso fans finding the product in the States? I have no problem finding it on Amazon for $8 to $10 a tube. Is it that much cheaper in Europe? JT I've been seeing the green and red shaving cream and soap in tubes and tubs at both Marshall's and TJ Maxx recently, for about $4. Proraso Green...
by danielrhall
Mon May 06, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 14125

Re: Rolex

I see posts like this from time to time. I have a question if some of those more knowledgeable wouldn’t mind. I have a quite fancy gold Rolex I inherited - absolutely fancier than my style but I feel I should keep and if I don’t wear, pass on. Believe my father got it used with no documentation man...
by danielrhall
Wed May 01, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Alka Seltzer Tablets but without medication?
Replies: 12
Views: 2563

Re: Alka Seltzer Tablets but without medication?

In olden times (1960's ?)there was a candy called "Fizzies" that I think did what you want. You dropped them in a glass of water and they flavored it and made it fizz. Thinking of Zotz by any chance? I grew up in the 80s and loved those. They used sodium bicarbonate. I remember Fizzies to...
by danielrhall
Wed Apr 17, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1014
Views: 182876

Re: Boglehead Beer

averagedude wrote: Tue Apr 16, 2019 9:51 pm Thanks for the compliment Doom&Gloom. There are many roads to Dublin, even when it comes to beer.
There are many roads to Dublin, but they all lead to that holy grail of beer...draught Guinness!
by danielrhall
Mon Apr 08, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 164
Views: 27451

Re: Trader Joe's Fans - good value?

dbapaddy wrote: Sun Apr 07, 2019 9:04 pm Their branded beers are awful. As are aldi's. Awful.
IMO, the Trader Joe's Vintage Ale and Providential Belgian Golden Ale, both brewed by Unibroue, are not awful and are in fact very good and exceptional values at $5.99 per 750ml. And the Vintage Ale at 9% ABV ages very well.
by danielrhall
Thu Mar 07, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1842
Views: 275447

Re: Fidelity as a one stop shop

I emailed a question to Fidelity over 48 hours ago. Havent received a response even though response time is 24-48 hours. So much for the bragged stellar service. Vanguard always responds within 24 hours. I don't mean any disrespect, but why would you email a question when 24/7 online chat is availa...
by danielrhall
Sun Feb 24, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3341

Re: First time to Hawaii

We were in Maui for 7 days last month, so I can speak to The Valley Isle. I'd say the most singular experience was witnessing the sunrise from atop the Haleakala Volcano. We used a tour company for this, even though we did have a rental car. They pick you up at 3am, and give you a good spot to watc...
by danielrhall
Tue Feb 12, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing Your Own Taxes
Replies: 13
Views: 1544

Re: Preparing Your Own Taxes

I really appreciate the free Excel-based tax forms/calculator available here: https://sites.google.com/site/excel1040/home/ The workbook includes not just the forms and schedules but also many of the associated IRS worksheets so you can see the calculations behind the numbers. It's very simple to do...
by danielrhall
Sat Jan 05, 2019 10:54 am
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 45
Views: 4229

Re: Consolidate to Fidelity?

Now go ahead and click on it to see transactions. Can't. Have to go to NetBenefits. I do not have net benefits, I am self employed and only have individual 401k at Fidelity, plus TIRA and Roth IRA for both of us, plus joint CMA. All available under single login, same interface, same site, all accou...
by danielrhall
Fri Jan 04, 2019 5:18 pm
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 45
Views: 4229

Re: Consolidate to Fidelity?

On Vanguard, my individual 401K account is displayed with all my other accounts, and I can see its transactions just like any other account. The same is true at Fidelity - your individual 401k would be displayed with all other accounts. Now go ahead and click on it to see transactions. Can't. Have ...
by danielrhall
Fri Jan 04, 2019 1:06 pm
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 45
Views: 4229

Re: Consolidate to Fidelity?

On Vanguard, my individual 401K account is displayed with all my other accounts, and I can see its transactions just like any other account. The same is true at Fidelity - your individual 401k would be displayed with all other accounts. Now go ahead and click on it to see transactions. Can't. Have ...
by danielrhall
Sat Dec 29, 2018 11:39 am
Forum: Personal Investments
Topic: Does tax loss harvesting make sense for a person in the 12% tax bracket?
Replies: 11
Views: 1163

Re: Does tax loss harvesting make sense for a person in the 12% tax bracket?

What does your second paragraph mean? I'm not sure I follow...sorry. Thank you! It means that if you want to pay the same taxes, you could deduct the loss harvested, but then convert some of your traditional IRA to your Roth IRA. If you had done the conversion without tax loss harvesting, you would...
by danielrhall
Mon Oct 22, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5735

Re: Beer - Strong German Style Lagers

Yeah I agree with you. Maybe most Americans drink the Buds, Millers, etc. which are not good beers and are fairly weak. Most lagers aren't really strong. When I think strong I'm thinking 7.5% and upwards. I like a number of the Belgium beers which tend to be strong (kwak, rochefort, dubbels, etc.)....
by danielrhall
Mon Oct 22, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5735

Re: Beer - Strong German Style Lagers

If you are in New England, Jack's Abby House Lager is a helles and pretty good. Not as good as an authentic German style but close. Other than I've really only had success with Weihenstephaner Original but even that can really depend on age and storing conditions in the store. New England is quite ...
by danielrhall
Sun Oct 21, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5735

Re: Beer - Strong German Style Lagers

Paulaner Salvator Doppel Bock is worth trying. It is strong. Makes U.S. beers seem like water. The last sentence is an unfounded generalization. Salvator is a very malty and delicious beer, to be sure. And at 7.9% ABV, it's no slouch. But there are many quality U.S. beers that are equally malty and...
by danielrhall
Sun Oct 21, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5735

Re: Beer - Strong German Style Lagers

Strength, color and malt and hop levels are pretty much independent of whether a beer is an ale or lager. Many of the imports come in green or clear glass and are lightstruck. Only buy brown bottles or cans. Or take a six-pack from an unopened case of beer. No Pils, no ale, no Marzen. I want Lager. ...
by danielrhall
Thu Sep 06, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2514

Re: Phone Calls from Windows saying computer has Malware

I've gotten that call many times. Some times I played with them, sometimes not. One example: Him: "Your computer is putting viruses on the internet." Me: "Which one? I have several." <long pause> Him: "All of them!" I gave him points for a nice comeback, but not access ...
by danielrhall
Tue Aug 21, 2018 12:36 am
Forum: Personal Investments
Topic: which Fidelity funds to use for 3 fund portfolio?
Replies: 11
Views: 7082

Re: which Fidelity funds to use for 3 fund portfolio?

I invested in the 3 Fidelity funds noted in the Guide to the Three-Fund Portfolio - FSTMX, FSGDX and FBIDX. I don't see them on the wiki of Fidelity similar funds. Are the funds on the wiki an update? Are the funds I invested in appropriate to achieve the 3 fund portfolio goals? The Fidelity fund w...
by danielrhall
Fri Aug 17, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Replacing the cartridge in a kitchen faucet
Replies: 10
Views: 1067

Re: Replacing the cartridge in a kitchen faucet

... The handle is attached with a hex nut. You mean hex screw? I was using a hex key to try and remove it. Allen wrench This reminded me of my technical training as a jet engine mechanic in the US Air Force. We were taught that Allen was a brand name and the correct name we should use for that part...
by danielrhall
Sat Aug 04, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 99143

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Fidelity does not control the offerings in a company's 401K plan. Sure they have influence but not control. Just because only retail brokerage accounts are covered now doesn't mean there won't be changes in the future. They control the offerings in my 401k plan; it's a Fidelity Investments 401k. Th...
by danielrhall
Sat Aug 04, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 99143

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Fidelity does not control the offerings in a company's 401K plan. Sure they have influence but not control. Just because only retail brokerage accounts are covered now doesn't mean there won't be changes in the future. They control the offerings in my 401k plan; it's a Fidelity Investments 401k. Th...
by danielrhall
Fri Aug 03, 2018 12:44 pm
Forum: Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 8020

Re: Time to invest in Fidelity's new zero fee funds?

maddogio wrote: Fri Aug 03, 2018 11:28 am
AlmstRtrd wrote: Fri Aug 03, 2018 11:14 am Just checked and our FUSVX and FSTVX positions with Fido are showing a new expense ratio of 0.015.
Mine are showing the same. Do you recall what they were before the change?
FSTVX was 0.040%.
by danielrhall
Fri Aug 03, 2018 10:53 am
Forum: Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 8020

Re: Time to invest in Fidelity's new zero fee funds?

If you read the small print (in the e-mail I got): " 1Zero account fees and minimums are available for retail brokerage accounts only. 2As of August 3, 2018 the Fidelity ZERO Total Market Index Fund (FZROX) and Fidelity ZERO International Index Fund (FZILX) are available to individual retail i...
by danielrhall
Wed Jul 18, 2018 9:21 am
Forum: Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 30
Views: 4442

Re: Fidelity Portfolio Advice Please

Fidelity has everything you need IMO. It has a number of low-cost Fidelity Mutual Funds and a number of commission-free ETFs as well. There are a few things that are better at Vanguard, but I prefer Fidelity. The wiki link on Fidelity has lots of good info: https://www.bogleheads.org/wiki/Fidelity ...
by danielrhall
Sat Jul 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 8484

Re: are mccormick gourmet spices better

I'm yet another advocate for spice shopping in ethnic markets. The price difference compared to those small supermarket bottles is not subtle, and in some cases, it's astounding. Most whole spices will remain viable for a very long time on your shelf, so buying bulk is not an issue. For those spices...
by danielrhall
Tue Jun 19, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Using deceased mother’s jewelry to create new wedding ring
Replies: 9
Views: 2077

Re: Using deceased mother’s jewelry to create new wedding ring

I used the diamond from my deceased mother's engagement ring to make an entirely new piece of jewelry (a necklace) some years ago. Because it was a large stone, there haven't been very many occasions when I've had a chance to wear it, and it was expensive to have it fabricated.So, I am ambivalent, ...
by danielrhall
Sat Jun 02, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 4086

Re: June in Paris: What to (or not to) wear, see and do?

I like going to the Louvre, but not going inside the museum. The courtyard itself is worth the visit. If you go inside, there will be 1000 people between you and the Mona Lisa. And there will be a prominently-displayed sign stating No Flash Photography and, in spite of that, the camera flashes will...