Search found 100 matches

by c078342
Tue Aug 29, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Any good resources on how to learn to be a Google Sheets (Excel) expert?
Replies: 28
Views: 3356

Re: Any good resources on how to learn to be a Google Sheets (Excel) expert?

I don't disagree at all but that does not mean that "Nobody in the real world uses sheets." Didn't want to pick a fight. The original poster indicated he had used sheets in an academic environment -- this is NOT the real world. Corporations are not going to use free software because of se...
by c078342
Sat Aug 26, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Any good resources on how to learn to be a Google Sheets (Excel) expert?
Replies: 28
Views: 3356

Re: Any good resources on how to learn to be a Google Sheets (Excel) expert?

Why would you not just stick with Excel? With which you express some expertise. Nobody in the real world uses sheets. Are you balking at the cost? Office 365 is $99/year for 5 computers. Includes Excel, Word, PowerPoint, Outlook, Access, among other things. It's a bargain. I'm a big fan of Excel, di...
by c078342
Mon Aug 21, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 4298

Re: Frozen steaks ordered through the mail

3/4" thick Porterhouse/Strip/T-Bone should be against the law I certainly prefer 1.25 to 1.5 inch thick, but I'm not necessarily going to forgo a strip if I only have a thin one. Key is cooking it. I don't grill thin ones, but pan saute them -- better control I think. A generous dollop of butt...
by c078342
Sun Aug 20, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23574

Re: How far would you travel to see The Eclipse?

On one hand, I'm encouraged that ordinary Americans are interested enough in a celestial event like a total eclipse to travel to witness it in some manner. On the other hand, I am disappointed that these same people are not clamoring for the US to finally expand it's space exploration program to ret...
by c078342
Fri Aug 11, 2017 5:04 pm
Forum: Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 9692

Re: Where To Put My Emergency Fund?

I get confused about this "emergency" fund business. Why is it separated from other investment funds? I can see for someone just starting out that there may be some utility to putting some money away in a separate account for an "emergency." But it seems to me that the req't for ...
by c078342
Tue Jul 18, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Dutch Elm Disease looming, maybe. Should I fight it?
Replies: 15
Views: 2485

Re: Dutch Elm Disease looming, maybe. Should I fight it?

Grew up in western NY in the '50's and '60's, when we lost tons of elms. There was no treatment then. At our country club in central Conn, we still have a few elms, but have lost 2 big guys over the last 10 years or so. There are still a few, which we treat. The one on the 11th tee is huge and will ...
by c078342
Mon Jul 17, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Hearing 3 beeps in Prius 2005
Replies: 23
Views: 3259

Re: Hearing 3 beeps in Prius 2005

I'd have to say that if this started in 2013 and nothing other than the beeps has happened, I would not worry about it. Particularly if there were no dash notifications. But it is a Prius.
by c078342
Fri Jul 14, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 13421

Re: Is it Safe to Get Your DNA Tested?

Is anyone aware of any of company abroad that does DNA testing? Preferably where one could do it anonymously.
Oxford Ancestors http://www.oxfordancestors.com/

Read some of the works of Bryan Sikes -- more or less specific to the British Isles but very interesting
by c078342
Fri Jul 14, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 13421

Re: Is it Safe to Get Your DNA Tested?

Yikes, I can't believe you people are so paranoid about privacy. Get over it. Many people using DNA testing, I will bet, are of Medicare age, so pre-existing conditions are moot. The only "danger" I see is a surprise re ancestry. I knew by paternal family was from England since the Pilgrim...
by c078342
Fri Jul 14, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 11188

Re: Personal loan to a family member

ALWAYS a bad idea to become involved financially with family. Some years ago my wife and her sister went into the purchase of a house near the sister for their parents who were getting to the point of not being able to live alone. It was a 50/50 deal predicated on the expectation that their parents ...
by c078342
Thu Jul 13, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 11212

Re: Do you consider business travel to be a perk or a burden?

Before I retired I traveled from Hartford to Cleveland every few months or so. The good: it was a short non-stop flight and my destination was NASA Glenn, adjacent to the airport. The bad: it was to Cleveland.
by c078342
Sun Jul 02, 2017 2:16 pm
Forum: Personal Investments
Topic: Critique my portfolio rebalance model (Excel)
Replies: 5
Views: 746

Re: Critique my portfolio rebalance model (Excel)

I don't know about Excel security. But I expect y our concerns are overblown. But I do know Sheets can't hold a candle to Excel. Office 365, not just Excel, but Word and Powerpoint and more is $99 per year and can be loaded on 5 PCs. If you are doing anything more than basic data or financial analys...
by c078342
Wed Jun 28, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 50
Views: 5484

Re: Headlights & car safety

Once again, the Feds are interfering with advanced European technology that provide better lighting. http://www.roadandtrack.com/car-culture/a25827/the-enginerdy-dept-dot-in-the-dark-headlight-tech/ If they would just get out of the way ... The counterpoint would be if there are any flaws in that s...
by c078342
Sat Jun 24, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 3735

Re: Cars my only weakness, make me feel bad!!

Do not appreciate driving. I just got a new Trek fx7.4 Your comment is irrelevant. Sorry you don't "appreciate driving," think you are a bit flaky. I assume the reference to Trek is to a bike. Fine, but the OP was NOT talking about bikes, but CARS. It might surprise you, but I and many ot...
by c078342
Sat Jun 24, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 3735

Re: Cars my only weakness, make me feel bad!!

Depends somewhat on how close to retirement you are and how much you have amassed. We have few extravagances other than the country club and cars. Been retired for five years and only taken 1 vacation (boat trip down the Rhine - it was great.) Other than property taxes we live entirely on pensions a...
by c078342
Wed Jun 21, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 15
Views: 3480

Re: radon test kit

If you are selling and need a radon test: ventilate your basement to the extent possible. Open windows and hatch ways. Radon risk for most from exposure to 4 pCi/L (action level) is about the same as croaking in an auto crash, a risk most of us take daily. Doesn't seem to be much recent cost effecti...
by c078342
Sat Jun 10, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken 2017 worth it? Please help
Replies: 24
Views: 4988

Re: Is Quicken 2017 worth it? Please help

Was a Quicken user since, what, the '90's, but have ceased using it over the last few years. Didn't like the forced upgrade every few years. It never seemed to interface well with Vanguard. Other than downloads, It doesn't do anything that a knowledgeable Excel user cannot create (a) spreadsheet(s) ...
by c078342
Tue Jun 06, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 15638

Re: What Do You Pay for an Oil Change?

You guys have got it made. An oil change for my Porsche Boxster at the dealer is north of $200. But this is also for 11 quarts of Mobil One. I have it done by the dealer for traceability. When a Porsche is sold, most buyers will want to see complete maintenance records. I have not had good luck at t...
by c078342
Thu Jun 01, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 13192

Re: Use 2013 Audi A5 or New Honda Accord Sport

A slightly used Audi vs a Honda? Pretty clear choice. We've had a gas A4 for 3.5 years now and love it. Reliable, fun to drive, economical (25 mpg in daily driving.) Comfortable. What's the Honda have to offer? Perhaps reliability, but it's common, boring, and, in general, blah. And why take the dep...
by c078342
Wed May 31, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Assoc seeking thoughts
Replies: 24
Views: 3394

Re: Condo Assoc seeking thoughts

Wow, received many more responses than I thought I would. We have a private road about 1/2 mile long. We are responsible for the exterior outside of the Tyvek, but not for features that extend through the Tyvek (e.g., windows and doors) Decks, walks, driveways are the responsibility of the owners. W...
by c078342
Tue May 30, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Assoc seeking thoughts
Replies: 24
Views: 3394

Condo Assoc seeking thoughts

I'm the treasurer of a small (30 stand alone houses) condo association. The Assoc pays for lawn/snow maintenance, but not much more - otehr than roofs. The builders specs called out 35 year shingles -- first units were built in 2007 and the last 2 last year. So if we assume a 30-year lifetime, we ne...
by c078342
Wed May 10, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 9998

Re: What newspaper or magazine do you pay for?

Wall Street Journal on-line, Road & Track, Car & Driver, Golf Digest. Other than WSJ, the others are occasionally read. I've played golf since the mid-60's, got down to a 6 or 7 handicap at one point, but age has set in and I don't enjoy playing as I once did, because I don't play well anymo...
by c078342
Fri Apr 28, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 23
Views: 5080

Re: 7 car noises you should never ignore

I'd add a 0. Anything sounding like metal on metal. Know this from experience with Porsche IMS failure.
by c078342
Thu Apr 20, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 133
Views: 27324

Re: Best DNA genealogy testing kits

I did Ancestry.com earlier this year. Other than taking 2 months to receive the results, it was neat. I thought i had a good handle on my ancestry -- 50% British and 50% German. But I was surprised to find out I was 39% Scandinavian, 30% Irish, and about 8% each British and Western European with som...
by c078342
Thu Apr 20, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 4683

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

I did not read all of the responses, so this may be redundant. My wife participated in an ESPP for about ten years, and did well return wise (she bought at 85% price level). We decided to sell in the 2007 or 2008 period. But income tax reporting was a real PITA. Just be prepared.
by c078342
Wed Mar 08, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 7093

Re: Where to buy rare steaks?

The steaks at Whole Foods are pretty good. Give it a shot
Unfortunately, my local WF has pretty much stopped selling grain-finished beef in favor of grass-fed, which to me is too bland, lacks flavor, and not sufficiently marbled.
by c078342
Tue Mar 07, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: 3d Printers? Anyone into this hobby?
Replies: 8
Views: 1343

Re: 3d Printers? Anyone into this hobby?

I get a kick out of the current buzz about "3-D printing." It's hardly new. I worked in the jet engine aerospace industry for years, and 15 years ago we used what we called then stereo lithography to print plastic parts that could be used for flow visualization and some cold flow testing. ...
by c078342
Mon Mar 06, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 12721

Re: How much do you spend on food in a year?

2 of us -- retired, usually eat at home. Total ATM spend at groceries (no alcohol) for the past 12 months was $6,100. Maybe another $600 for the occasional cash purchases.
by c078342
Thu Feb 16, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 7744

Re: New cars or Pool?

My 2 cents -- where do you live? Are pools 12 month / year niceties, or 3 month / year? In any case, you spend much more time in your cars than you would in a pool. As others have mentioned, join a swim club. This is particularly true if you enjoy cars, but based on your current and projected buys, ...
by c078342
Mon Feb 13, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 79
Views: 31369

Re: Audi Q7 Reliability

I don't know how you pick a q7 over the Volvo xc90 Easy. The Audi has soul and is a joy to drive, The volvo on the other hand has the soul of a prius. Depends on how you view cars: a utilitarian perspective as devices to get one from A to B or something to savor as you spend considerable time in th...
by c078342
Sun Feb 12, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 6331

Re: Which luxury auto brand depreciates the most?

about manual transmissions being low cost used cars. I just saw some online articles about the near disappearance of manual transmissions in the US. These articles noted the much lower prices for most used manual transmisson cars. One article mentioned a real benefit of a manual transmission car: M...
by c078342
Wed Jan 18, 2017 4:00 pm
Forum: Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 4549

Re: Why does Vanguard requires medallion for MM IRA Transfer

From time to time over the last few years, I have transferred cash from an IRA custodian back to Vanguard where it could at least earn a minimal return. The custodian IRA wanted a Medallion guarantee. Sometime last year I went to BoA where I have accounts seeking such a guarantee, and was told they ...
by c078342
Sun Jan 15, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 5075

Re: How High is Your TV?

Vertical center is about 6" above eye level -- works for us at about 8' viewing distance. 60" flat screen. I originally want to mount over the fireplace but my wife thankfully talked me out of this.
by c078342
Thu Dec 22, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 11154

Re: Grocery cart rolls into side of car, dent, scratched

Shows you can never be too careful. I usually shop at a market that does not allow customers to take carts out of the store. If you have a cart full of goods, a bagger brings them out to the car with you. Great old time service. I occasionally also shop at a store whose carts are equipped with a bra...
by c078342
Fri Dec 09, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 8567

Re: Ideal two vehicle combo?

I am going to be the curmudgeon here. You need to determine whether you are a car guy or a utilitarian. A car guy WOULD NEVER own a van. An SUV is acceptable. You're going to spend considerable time in vehicles, why not make those hours enjoyable? You don't need the back packs and diaper bags I see ...
by c078342
Wed Sep 21, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 6559

Re: Advice on snowblower

Driveway: Very long, STEEP, often icy shared driveway Sounds much like my old driveway in central Conn where an average snowfall was in the 45" range. My driveway was about 400ft long with a 50ft elevation change. One thing gong for it was it had a southern exposure. I had a Honda 24" (or...
by c078342
Thu Sep 15, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 23337

Re: Any Porsche 911 owners here?

I'm a young guy and will say that it is rather difficult to get in and out of compared to a "normal" car. I'm not a young guy -- 67 and not as spry as I once was. Getting in and out of my Boxsters requires a method but I don't find it too difficult. Having the top down makes things easier...
by c078342
Tue Aug 30, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Google Word Processing and Spreadsheet
Replies: 29
Views: 5414

Re: Google Word Processing and Spreadsheet

My wife has used a Samsung Chromebook for few years now, but has recently switched back to a PC laptop. THe sharing of spreadsheets and documents with colleagues was not easy -- most could not open these files. So when she had to share, it was back to my PC laptop. Printing, while can be done with G...
by c078342
Mon Aug 01, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 11378

Re: Consumer Reports, how could you?

Never paid any attention to Communist Reports -- they have no soul, no joie de vivre. At one point I saw them, in effect, say that sure bacon tastes good, but it's fatty and you have no need to eat it. They view cars as strictly utilitarian and find no enthusiasm in driving a car because it's fun t...
by c078342
Sat Jul 30, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 3667

Re: google sheets - so frustrating...

Why be cheap? Excel can do anything any spreadsheet program can do. Buy a 365 subscription and be done with it. With Google sheets, you get what you pay for. And I'm not a fan of Microsoft, but having used Excel extensively for years, it is the best.
by c078342
Tue May 24, 2016 3:42 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 94717

Re: "Vanguard converting mutual fund accounts to brokerage?

I haven't read all of the posts, so maybe this has been covered before. We did have 1 problem with the conversion. We had a short term corporate bond joint account with checkwriting privileges. We use in very infrequently. I wrote a small check ($350) recently fortunately to a friend for an upcoming...
by c078342
Fri May 06, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 29420

Re: how much cash do you carry in your wallet?

Over the years I've reduced carried cash to around $5 to maybe $40 if I've just reloaded. The only real cash requirement I have is when I play golf with the boys and settle up our bets afterward - but there is a $10 max so again not much requirement for cash. (The cash goes towards the drinks -- nob...
by c078342
Sun May 01, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 15512

Re: WOW fantastic Cars in the Wild

If the owner was parking in the regular folks parking you can bet this was a company car. My Porsches are worth maybe 20% of the Berlinetta but I would never park near other cars. There are those who deliberately door ding these cars and others that are just careless with car doors. The most expensi...
by c078342
Thu Mar 24, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 133
Views: 27324

Re: Best DNA genealogy testing kits

Some interesting books on genetics and lineage have been written by Bryan Sykes, an English geneticist. The 7 Daughters of Eve and Saxons, Vikings and Celts: The Genetic Roots of Britain and Ireland) are 2 I recently read that informed of mitochondrial DNA. He is also associated with Oxford Ancestor...
by c078342
Mon Mar 21, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?
Replies: 267
Views: 64279

Re: www.portfoliocharts.com ... "The Coolest Portfolio Tool on the Web"?

What am I missing here? I'm a big advocate of data and am always interested in crunching numbers but for the life of me, I can't find the link on the site to download actionable applications. I certainly have not read the site in detail, so I (likely) may have missed it, but ....
by c078342
Sat Mar 12, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Looking for a Mission-style Oak Dresser
Replies: 6
Views: 1032

Re: Looking for a Mission-style Oak Dresser

Another vote for Stickley -- furniture is made in upstate New York. Solid oak, sturdy, excellent joinery, not inexpensive, but worth it. We have a great room and dining room full of it.
by c078342
Fri Feb 19, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 4348

Re: Baseboard Heating- PEX vs Copper

I've heard the copper retains the heat better than the pex . On the contrary, copper is a great conductor of heat. The thermal conductivity (k, BTU/hr/deg F/ft) of copper is about 800 times higher than that of PEX. So hot water flowing through copper tubing will conduct (lose) heat to its surroundi...
by c078342
Sat Feb 13, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: generator [Thinking about a generator]
Replies: 38
Views: 4593

Re: generator [Thinking about a generator]

We had a Gillette Sentry-Pro 12 kw unit installed a few years ago after the New England late fall storms that left us powerless for 3 or 4 days at a time. She who must be obeyed determined that a standby was required. (I agreed.) Total installation by a local supplier was about $12k, including the n...
by c078342
Sat Feb 13, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Investing [Home Owner's Association]
Replies: 12
Views: 1787

HOA Investing [Home Owner's Association]

I'm the treasurer of a small HOA comprising 30 stand-alone houses that have a market value of around $500k. No clubhouse, pool etc. We plow the streets, mow the grass and tend the landscaping in front of the houses. We need to accumulate a fund for replacement of roofs beginning about 22 or so years...
by c078342
Tue Jan 26, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 12671

Re: Is Nitrogen better than air?

I think that almost all the (miniscule) benefits afforded by N2 can be realized by changing the air in your tires every time you change the oil.