Search found 38 matches

by Crustus
Wed Oct 16, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin theft, bankruptcy recovery, and taxes
Replies: 1
Views: 571

Re: Bitcoin theft, bankruptcy recovery, and taxes

Capital gains? Losses from theft?
by Crustus
Mon Jul 22, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5744

Re: Whole Bean Coffee: Worth the effort?

Tastewise - yes. You can buy one of the Capressos for (I think, too lazy to look) about $100. You can also get burr grinders (kinder to the beans) at Target and maybe other big box stores for about $30 (that's where I got mine). If you want to go all the way, start buying raw beans and roast your ow...
by Crustus
Mon May 27, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 906

Re: Electric, corded, trimmer edger recommendations

That's the one I just bought to replace an older version that just died (8 years?). I like the single string because it's easier to wind myself. Only had it a couple months but it works fine (I have over an acre with a lot of trimming so cordless is not an option).
by Crustus
Mon May 20, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken: Windows to Mac
Replies: 14
Views: 961

Re: Quicken: Windows to Mac

I have an older version of Quicken (Quicken 2007 Deluxe). That will probably work for you. Finding one to buy is another issue. I have a subscription to the new version. Meh. It's slower than 2007 and the reports are much more limited :annoyed . Graphs and UI are more colorful (not necessarily bette...
by Crustus
Sun Nov 04, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20343

Re: Vanguard website "unavailable during weekend of Nov 3"

Logged on normally today and setup some transactions (no cookie flushing required). AFAIK nothing changed from Friday, website looks and acts the same. :?: I assume all the upgrades were in the back end. Would I like to know what changed? - Yes, in broad strokes. Do I really need to know? - Probably...
by Crustus
Mon Dec 11, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8646

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Have you considered federal government jobs? Some of their IT guys make well over $100,000, and they are usually 40-hour/week jobs with the best benefits you can find. Yes I have. I have tried to apply for city/state/goverment jobs online multiple times and never get a callback. I almost get the vi...
by Crustus
Mon Oct 30, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off half of house to sister-in-law?
Replies: 4
Views: 890

Re: Paying off half of house to sister-in-law?

Your presentation of your situation is a bit unclear but if your cash reserves are separate from your Roths and retirement savings then it looks like you have enough to pay the SIL and still have an adequate cash reserve (emergency fund).
by Crustus
Sun Jul 09, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 11939

Re: how to destroy hard disk with personal info

If you have access to a lathe, take out the platters and using the lathe, take a thin layer off each side of the platter. I think reconstructing anything from the resulting dust will be close enough to impossible. :beer
by Crustus
Wed May 10, 2017 5:36 pm
Forum: Personal Investments
Topic: Multiple 401ks
Replies: 3
Views: 510

Re: Multiple 401ks

The FERS matching is 1% even if you don't contribute, one-to-one matching for the next 3% you contribute (you get up to 3%), and 50% matching for the next 2% you contribute (you get up to 1%). This totals to 5% on the first 5% you contribute. At least that is how most agencies work. The link to that...
by Crustus
Fri Jan 20, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Software [Personal finance and investing, for Mac]
Replies: 6
Views: 1163

Re: Software [Personal finance and investing, for Mac]

I'm using an older version of Quicken (2007 for mac) that works fine as long as you don't need to automatically download transactions. I think you can still buy if online (but I haven't checked). I also bought and tried out Quicken 2016 (for mac :oops: ). It's not as useful as 2007 as it doesn't do ...
by Crustus
Sat Nov 26, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Mac 2017 Released
Replies: 16
Views: 3721

Re: Quicken Mac 2017 Released

If you're using 2007, stick with it.
by Crustus
Fri Nov 25, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Mac 2017 Released
Replies: 16
Views: 3721

Re: Quicken Mac 2017 Released

Just installed it (from Intuit - there's a special for a few more days) so I can't comment to the wonderfulness, or lack thereof, just yet. The reviews on Amazon were favorable (~4 stars with ~450 reviews :?: ). You'll lose any custom reports from an older version and may or may not be able to set t...
by Crustus
Thu Nov 03, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Computing Device - Laptop or Table - for an Elderly Person
Replies: 35
Views: 4571

Re: Computing Device - Laptop or Table - for an Elderly Person

Don't forget to sign him up with an ISP. You probably don't want to pay for web surfing (at cellular rates).
by Crustus
Tue Sep 13, 2016 5:53 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 18220

Re: Who is ready for iphone 7?

The $650 is probably only for a loaded 6s+. My 128GB 6+ gets $250. A triumph of marketing over performance (you expected more from Verizon??).
by Crustus
Sat Jul 09, 2016 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Employment ideas for former Police?
Replies: 37
Views: 4882

Re: Employment ideas for former Police?

You've gotten good replies that cover most of what came to mind from your post. I assume you also got some (specialized) training in handling a vehicle. This could open up some opportunities and at the least shouldn't be minimized.
by Crustus
Mon Jun 20, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 582
Views: 77593

Re: Flaunt Your High-Mileage Car

Well, I suppose I can risk tempting fate.

2001 Honda Accord - 202,000
2004 Toyota Prius - 261,000

Both bought new and still running ok.
by Crustus
Sun May 15, 2016 7:02 am
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 5488

Re: Separate data partition on dual-boot system?

Another vote for virtualization. I didn't quite do it the same way. I run VmWare on my Mac. I can set up as many virtual machines as I want (have room to install). Each machine needs an OS install and some separate disk space for OS specific files and applications. Moving application data files betw...
by Crustus
Tue Apr 19, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: New grad [housing options in] moorestown, nj area
Replies: 13
Views: 1661

Re: New grad moorestown, nj area

Yes, pick up one of the apartment books at a local Wawa (convenience store). It's been 25 years since I worked in Moorsetown. Moorsetown itself is quite expensive (in terms of housing). A lot of the engineers where I worked lived in Maple Shade, Marlton, Medford, and Medford Lakes. Some other reason...
by Crustus
Sun Oct 04, 2015 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Legal marriage before wedding for tax/benefits?
Replies: 55
Views: 5307

Re: Legal marriage before wedding for tax/benefits?

Friend of mine married by the JP when they were buying a house (him - poor grad student, her - engineer). They had a ceremony (Catholic wedding) for their families about 6 months later. It was done so his name could be on the deed.
by Crustus
Sat Sep 26, 2015 5:00 pm
Forum: Personal Investments
Topic: New job - What to do with old 401(k)
Replies: 5
Views: 681

Re: New job - What to do with old 401(k)

You can roll it to Vanguard and have it titled separately from an IRA you contribute to directly. I believe it's called a 'Condiut IRA' (condiut from one employer to another - although thsi second step isn't required). Most people, including me, would call it a 'Rollover IRA.' I have one sitting at ...
by Crustus
Sun Dec 28, 2014 8:03 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5478

Re: Any Cyclists With a Brooks Saddle?

Back when I used to ride a lot, I had a brooks saddle. It took a couple hundred miles to break it in but after that is was better for long rides than the gel saddle I had on my other bike. I also treated it with an oil (Neatsfoot) that people used to use on baseball gloves (water/sweat protection).
by Crustus
Fri Aug 22, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: Shiller P/E nearly guaranteed to be lower in 5 years
Replies: 19
Views: 4534

Re: Shiller P/E nearly guaranteed to be lower in 5 years

What I find is the items to the right of Rainfall (5%). Consensus GDP growth, etc.
by Crustus
Sat Aug 09, 2014 5:18 pm
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 10313

Re: average American eats out 203 times per year

Considering that most people eat 3 meals a day, there are just under 1100 meals a year. Averaging a bit over once every two days doesn't seem excessive.
by Crustus
Sat Oct 26, 2013 6:22 am
Forum: Investing - Theory, News & General
Topic: Fidelity announces new suite of low-cost ETFs (price war?)
Replies: 6
Views: 1848

Re: Fidelity announces new suite of low-cost ETFs (price war

And when the buyers of their (profitable) sector funds notice they can get the same thing much cheaper?
by Crustus
Wed Sep 25, 2013 8:47 am
Forum: Investing - Theory, News & General
Topic: Is there a low cost 50/50 fund?
Replies: 38
Views: 5385

Re: Is there a low cost 50/50 fund?

Vanguard Tax Managed Balanced (about 50/50). ER ~0.12%
by Crustus
Sat Aug 31, 2013 3:16 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 9913

Re: Individual Stocks - Do you own any?

Yes, leftovers from dividend reinvestment plans.
by Crustus
Mon Feb 20, 2012 12:35 pm
Forum: Investing - Theory, News & General
Topic: Can you express your investing philosophy as a Haiku?
Replies: 41
Views: 2912

Re: Can you express your investing philosophy as a Haiku?

Cat food for the cats,
invest well so they will not have to share with me.
by Crustus
Sun Feb 19, 2012 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mortality Table Looking Backwards
Replies: 3
Views: 472

Re: Mortality Table Looking Backwards

Have you tried http://www.cdc.gov/nchs/nvss/mortality/lewk3.htm? It's not exactly what you want but near the end of the file (the 2007 one) they have something fairly close.
by Crustus
Fri Apr 22, 2011 9:37 pm
Forum: Personal Consumer Issues
Topic: Average age of all household cars for bogleheads........
Replies: 105
Views: 11786

01 Accord
04 Prius

8.5 years
by Crustus
Sun Feb 20, 2011 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who Here Received Financial Education?
Replies: 20
Views: 2659

Nope
by Crustus
Mon Jul 06, 2009 7:47 pm
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 184
Views: 72891

Loaded it into Offfice for Os X and it opened fine. I haven't entered any data yet. Maybe tomorrow.
by Crustus
Wed Feb 04, 2009 9:45 pm
Forum: Personal Consumer Issues
Topic: [poll] How many miles does your car have on it?
Replies: 72
Views: 12736

111575
by Crustus
Thu Apr 17, 2008 7:54 pm
Forum: Personal Investments
Topic: Employee Express & savings bonds (federal employees)
Replies: 3
Views: 1527

Signing up for EE bonds

Log on to te site and go to the "Self Service" tab. The "Savings Bond" you'll need to click on "Make Changes" to sign up for a new (or change) your current payroll deduction settings. I think you can chose either EE or I bonds.
by Crustus
Mon Dec 24, 2007 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What Book Are YOU Currently Reading?
Replies: 566
Views: 236433

Paris 1919, Margaret MacMilliam (grandaughter of David Lloyd George).
by Crustus
Sat Oct 06, 2007 7:23 pm
Forum: Investing - Theory, News & General
Topic: Proposal to Open TSP to Private Sector Employees
Replies: 11
Views: 3127

From the TSP website - who pays

Do I pay administrative expenses to cover TSP operating costs? Yes. The TSP's administrative expenses include the operating and development costs of the record keeper's computer system, the operations of the TSP, and the printing and mailing of publications and participant statements. Two sources of...