Search found 166 matches

by Turbo29
Sun Oct 21, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 29
Views: 1739

Re: Do I need laptop software?

duplicate
by Turbo29
Sun Oct 21, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 29
Views: 1739

Re: Do I need laptop software?

Alexa9 wrote:
Sun Oct 21, 2018 6:30 pm

Linux: simple, customizable, works great on old hardware (might put on your old laptop)
Indeed, I have a 10 year old HP laptop running Ubuntu and it works fine. Posting on it now.

Haven't booted up the Windows partition in 5 years.
by Turbo29
Sun Oct 21, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2297

Re: Co-pay accumulators in new health plans

I don't think the drug company paying for the patient's share would constitute fraud. But if you try and count what the drug company is paying as part of your out-of-pocket costs towards your maximum OOP cost , then it could be viewed as fraud since it isn't coming out of your pocket . Actually, ou...
by Turbo29
Sun Oct 21, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2297

Re: Co-pay accumulators in new health plans

First the insurer stated I would no longer be able to use the copay card and that it was due to their agreement with my employer (my benefits rep reluctantly confirmed this was true after lying about it several times). Then they sent a letter saying I could use it but it would not count towards ded...
by Turbo29
Sun Oct 21, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2297

Re: Co-pay accumulators in new health plans

Interestingly, the insurer backed off on it a month later so I only had to do it once. I have an employer self-funded plan, which is only administered by the insurer, and I think it was because it threatened to become a "political" issue. (So it was actually my employer, who is high profile, who ba...
by Turbo29
Sun Oct 21, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay accumulators in new health plans
Replies: 35
Views: 2297

Re: Co-pay accumulators in new health plans

Exactly. Gilead told me that I can send my Kaiser pharmacy receipts to them, and they will send me a check to reimburse the copays. The copays on my plan are relatively small - $60 for 100 day supply. But with 4 drugs it still adds up to $960/year. Vs $160 on my old plan which was $10 for 100 day s...
by Turbo29
Sun Oct 21, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 29595

Re: High End Wrist Watches (Gone Crazy)

I have an Omega automatic watch that was my father's. It has a real radium glow in the dark dial. It still works but keeps very poor time. It is a nice looking watch but I put a geiger counter next to it 40 years ago in my college chemistry class and pegged the needle so I have not worn it since. (P...
by Turbo29
Sat Oct 20, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 3697

Re: Protecting large sums of cash.

About three weeks prior I had done a push ACH from another bank to WaMu. They would not show the funds as available and the phone rep said it was their policy to hold them for five days (even on push ACH's). I finally got exasperated and asked, "You know why your bank is paying such high interest d...
by Turbo29
Sat Oct 20, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 3697

Re: Protecting large sums of cash.

Brokered CDs via Vanguard Brokerage could allow plenty of headroom for massive amounts invested. Not that I will ever need so much coverage. Broken Man 1999 With a brokered CD, I’m pretty sure the broker is insured party. Not the investor. This might be moot, since I suppose the investor is trustin...
by Turbo29
Sat Oct 20, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 3697

Re: Protecting large sums of cash.

This topic keeps coming up here a lot. Just wondering when was the last time someone actually needed FDIC protection? Don’t flame me, I’m not saying you should not care about it, just trying to put a perspective in my head. WaMu (Washington Mutual) during the financial crisis. This was less than 10...
by Turbo29
Sun Oct 14, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3112

Re: Reducing overall medical costs. Do we do anything?

Now if patients were more responsible and took care of themselves (obesity and smoking as 2 examples) healthcare costs would decrease significantly more then that. Serious question: Would costs really decrease that much? Sure people would live longer but then rather than a quick heart attack they w...
by Turbo29
Sun Oct 14, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3112

Re: Reducing overall medical costs. Do we do anything?

This is a classic example of someone not knowing statistics. Screening tests are meant as high SENSITIVITY tests. That means one is going to find false positives. The key is to not MISS a person with the disease you are screening for, i.e. false negative. For a cancer screening test it has to be sh...
by Turbo29
Sun Oct 14, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10409

Re: Should we move to San Diego from east coast?

You could move to Arizona. Warm in the winter (but hot in the summer). COL much lower than SD. Only a five hour drive from Phoenix to San Diego.

Sunday afternoons in the summer 80% of the cars heading east on I-8 in the eastern reaches of San Diego County have Arizona plates on them.
by Turbo29
Sun Oct 14, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1150

Re: Vanguard does not recognize my restricted computer

I don't think it's done by IP. My IP remains stable for months at a time If I don't power off the router for an extended period of time. Yet I frequently get, "We don't recognize your computer" messages from financial sites when trying to log in. As others have stated this is usually after a browser...
by Turbo29
Sun Oct 14, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3112

Re: Reducing overall medical costs. Do we do anything?

This is a classic example of someone not knowing statistics. Screening tests are meant as high SENSITIVITY tests. That means one is going to find false positives. The key is to not MISS a person with the disease you are screening for, i.e. false negative. For a cancer screening test it has to be sh...
by Turbo29
Sun Oct 14, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3112

Re: Reducing overall medical costs. Do we do anything?

... since you opted out of the screening tests that have been shown to detect the disease earlier AND shown starting treatment improves morbidity of that disease? Considering BOTH would have been diagnosed earlier as screening tests you will have INCREASED the medical coverage needed to treat both ...
by Turbo29
Sat Oct 13, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1751

Re: Census [Received form in mail]

Everyone should realize that any promise of confidentiality by the Census Bureau could be changed by law at any time. Census data was used to help locate and roundup Japanese-American citizens during WWII. Confirmed: The U.S. Census Bureau Gave Up Names of Japanese-Americans in WW II Government docu...
by Turbo29
Sat Oct 13, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5734

Re: Anyone done a Hair Transplant?

Buzz your whole head with a #1. I think that's the best look for early balding. I used to use the #1 until I was talking to a friend of mine, who is a cosmetologist. He told me to try it without the #1 comb. I asked, "Won't I get cut?' He said, "No, that's why the metal comb attached to the clipper...
by Turbo29
Mon Oct 08, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Treasuries
Replies: 1
Views: 454

Taxes on Treasuries

I recently started buying Treasuries at short (<2yr or so) maturities for my taxable account because the rates are higher than brokered CDs with the same maturity. All of them were purchased on the secondary market. I didn't really think it mattered when the Treasury was issued so long as it matured...
by Turbo29
Mon Oct 08, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 48
Views: 4606

Re: "Retirement age uncertainty increases the savings needed for success"

My 2 ¢: I think it is common for BHs (and researchers) to look for logical reasons for why people do things. But most people are monkey see, monkey do. My guess is that most people retire because their friends, family, and coworkers retired at that age. If you ask them afterwards, they try to come ...
by Turbo29
Mon Oct 08, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3243

Re: Formula for when to buy in bulk

On a small scale, I calculated that buying a large bottle of Acetaminophen Costco saved money vs a smaller bottle anywhere else - even if I threw out most of the pills when not usable. I have discovered most OTC medicines are that way. It is much cheaper to buy the large bottle at Costco and throw ...
by Turbo29
Mon Oct 08, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2791

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

As for "sentiment" being the "cause of market changes," is it? This idea was, to some extent, tested during the Great Depression. People put up big billboards saying "Wasn't the Depression terrible?" with the idea that if you could get people to think about it in the past, it could be made to go aw...
by Turbo29
Mon Oct 08, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with VUL product requested
Replies: 7
Views: 353

Re: Help with VUL product requested

But they believe Wayne will die in next few years and Liz will collect on the policy and they will come out ahead. But this has been said about Wayne for last 10 years. One of these days it will be true for sure. Not "for sure", Liz may die first. (It's not uncommon for the one expected to die firs...
by Turbo29
Mon Oct 08, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2791

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

I feel euphoric about the market, I think it's going to keep rising for the foreseeable future and now is the best time to put your money into the market per your AA. You can't lose, the market has tremendous gains just ahead. The party is never going to end! I think that post is our "sell signal."
by Turbo29
Mon Oct 08, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2791

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

Economist Irving Fisher proclaimed that stock prices had "reached what looks like a permanently high plateau." This was nine days before the crash of 1929.

It seems like the euphoria before the crash is a recurring theme.
by Turbo29
Mon Oct 08, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2791

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

Top of the dot.com bubble was in March of 2000.

Only a little over a month earlier E*trade had this ad for the Superbowl, "Money coming out the Wazoo."

https://www.youtube.com/watch?v=oftjwYmlfoA

It seems to me that the market crashes when everyone thinks the party will never end. Then it does.
by Turbo29
Sat Oct 06, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9628

Re: What is your annual cost for health insurance?

Local government employee Individual coverage, HDHP w/HSA. Employer contributes $500 to HSA each year. Deductible $1500 (out of network $3000) then plan pays 85% (50% out of network) until out of pocket max of $3275 ($6550 out of network) is met. So long as i do the "Wellness" activities, which are ...
by Turbo29
Tue Oct 02, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3515

Re: Found credit cards - annoying interaction with Bank of America

Take a magnet and run it over the magnetic strip to erase it. Cut the cards in small pieces, with at least one cut through the chip. Then forget about them. You've done your part by destroying them so they can't be fraudulently used.
by Turbo29
Sun Sep 30, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5970

Re: How to tell contractor you don't plan to pay him.

Can't the contractor put a lien on the property if they are not paid?

Google contractor's lien.
by Turbo29
Sun Sep 30, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17260

Re: Why Edward Jones?

Okay, here's something you probably don't know about Edward Jones. In my recent coast-to-coast walk across the US, I hiked for about a hundred miles on the Katy Trail a "Rails-to-Trails" bicycle and walking path that runs along the Missouri River. It's just wonderful! https://en.wikipedia.org/wiki/...
by Turbo29
Sun Sep 30, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 9191

Re: Moneytalk with Bob Brinker coming to an end

I forgot the hi-tech chip that he recommended, which I bought and lost money on. Ultratech Stepper? Thank you, yes that was the one I lost money on. Ultatech employees had an 401k option that was part of a management firm that Brinker was the principal. Brinker got busted on the Nightly News. https...
by Turbo29
Sun Sep 30, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1904

Re: Help me with avoiding liability for personal injury on our property

I'm definitely not a lawyer, but to my understanding there would have to be some negligence on your part to lose a lawsuit. Typical lawsuits are for trip and falls on bad steps, cracked or uneven sidewalks etc. These are property defects that you should be aware of and fix, which makes you liable. ...
by Turbo29
Sun Sep 30, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 9191

Re: Moneytalk with Bob Brinker coming to an end

moehoward wrote:
Sun Sep 30, 2018 11:05 am
I forgot the hi-tech chip that he recommended, which I bought and lost money on.
Ultratech Stepper?
by Turbo29
Sat Sep 29, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 9191

Re: Moneytalk with Bob Brinker coming to an end

I subscribed to his newsletter and he recommended Janus Venture so I put a rollover from a previous employer into it at about $40 in 1998. Got nervous in December 1999 and sold it all at about $120. It reached it's high of 156.19 in March of 2000. It has never even come close since. I don't regret b...
by Turbo29
Sat Sep 29, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14539

Re: Sears, a 125 year old company is now a penny stock.

The Sears mail order catalog was the Amazon of a hundred years ago. An interesting lesson in how times change. Sad to see them as a penny stock but you're right about diversification and individual stocks. When I was in high school the exhaust system of my car rusted out. Ordered a whole new exhaus...
by Turbo29
Wed Sep 26, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 603
Views: 88045

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

So, 350,000 CRVs recalled in China and now 290,000 Civics apparently for the same oil dilution issue. I can't help but wonder why that isn't happening here in the U.S. Are we just stupid, is the Chinese government simply more aggressive in dealing with car makers, or what? When have you ever seen a...
by Turbo29
Mon Sep 24, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5151

Re: Vacation without saving adequately?

It's not like you planned the vacation but did not save up.

The opportunity came up without warning. That makes it an "emergency." Use your savings.

As another poster said, "You only live once."
by Turbo29
Mon Sep 24, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 77
Views: 8756

Re: Why do we expect TSM to keep growing?

Actually we DO know some general timelines for when certain aspects of the global growth party are likely to end... We have estimates of when the world supplies of various non-renewable resources will run out. I was surprised that some seemingly common things like copper are forecast to run out in ...
by Turbo29
Mon Sep 24, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8765

Re: Physical Banking - Any benefits anymore?

Somebody is still using branches. Just saw this news article, "JP Morgan bucks the decline of brick-and-mortar with its plan to open 50 new branches in the Philadelphia area" https://www.cnbc.com/2018/09/24/jp-morgan-plans-50-new-branches-in-philadelphia-area.html No wonder they only pay a fraction ...
by Turbo29
Mon Sep 24, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2590

Re: Fidelity cobrowser??

Here are the terms. Get some help online with our cobrowsing tool Cobrowsing lets a Fidelity representative view your Fidelity.com web pages to help you troubleshoot a problem. Here are some important things to keep in mind: By selecting Accept and providing the Fidelity representative with the four...
by Turbo29
Mon Sep 24, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Are target funds off-target?
Replies: 32
Views: 2496

Re: Are target funds off-target?

While all that may be true, the older investor still has the ability to select which target date fund to hold. As you said, it's like buying clothing. Even when you go up or down a size, the item of clothing has certain standard characteristics that the manufacturer has deemed suitable for a person...
by Turbo29
Sun Sep 23, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 12
Views: 754

Re: What is right place for MLPs in portfolios?

I had some once and got K-1s that Turbo Tax choked on.

Swore I would never by any again just because of the tax issues.

MLPs in IRAs can cause major problems.

https://www.forbes.com/sites/greatspecu ... f61d933f77
by Turbo29
Sat Sep 22, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2590

Re: Fidelity cobrowser??

oldcomputerguy wrote:
Sat Sep 22, 2018 9:31 am
LadyGeek wrote:
Sat Sep 22, 2018 9:09 am
I can reproduce this in Chrome, but not Firefox. Shift-backspace is not in Chrome's keyboard shortcuts.
That's interesting. In fact I can reproduce this in Firefox 62.0 on my Linux Mint machine.
I can also get it to pop up in Firefox 62.0 on Ubuntu Linux
by Turbo29
Sat Sep 22, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Prepaid car maintenance -- Mazda -- HCOL
Replies: 21
Views: 1368

Re: Prepaid car maintence -- Mazda -- HCOL

I don't know about your particular model but I have a Mazda 3 and have paid all of $100 a year for the first two years. (That includes a new battery because the heat here just kills batteries.) Sounds like a real profit center for the dealer to sell these plans. Edit: didn't see that you already hav...
by Turbo29
Sat Sep 22, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8765

Re: Physical Banking - Any benefits anymore?

As an alternative to a bank notary, most UPS Stores offer notary services... Not for free I've used UPS notary and its not very expensive. I assume I'm like everybody else in that you don't need notary services very often. I don't prefer to pay $10-12 for something I can pay $0 for it when all I ne...
by Turbo29
Sat Sep 22, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3416

Re: Out of Market

So long as the broker puts it in your name you are fine.

https://www.fdic.gov/consumers/consumer ... okers.html
by Turbo29
Sat Sep 22, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3416

Re: Out of Market

OP stated that he/she was considering brokered CDs at Vanguard. There is no early withdrawal for those. If you want to cash out early, you must sell on the open market. If rates go up, the value of the CD goes down. Then, you have market spread to deal with. So, it is best to hold those CDs to matu...
by Turbo29
Sat Sep 22, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5495

Re: State Farm nickel-and-diming me

I might mention to the Star Farm adjuster that you’re starting to get a headache and you’re not sure if it’s from dealing with them or maybe it was caused by the accident and maybe you’re thinking of getting that checked out... Encouraging illegal behavior such as insurance fraud is against forum p...