Search found 1441 matches

by gd
Tue Apr 02, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 36
Views: 3217

Re: Boglehead Pilots...advice

Ah geez, wanted to go to bed in the next hour.... actually some pretty good advice here. Not entirely. I'll start with my usual BH reply, which is that if you don't disclose where you are, some of the advice given you is marginal. Garbage in, garbage out. 200/hr for instruction is pretty reasonable,...
by gd
Tue Apr 02, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 3669

Re: Any *disadvantages* to citizenship?

Actually, no that's not it. You also have to notify the IRS. Tax obligations don't end when your permanent residency does. This is not accurate. Your tax obligations as a US person end the moment you give back the Green Card. What remains are *filing* requirements, but notifying the IRS is simple (...
by gd
Fri Mar 29, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Fit MPG issue
Replies: 49
Views: 3058

Re: 2012 Honda Fit MPG issue

Just filled up at my new Mobil station. Thanks so much for all the advice. I'll let you know how it goes! ? You already tried a few tanks of BP. https://www.yourmechanic.com/article/which-gas-stations-have-the-best-quality-gas Taking your foot off the accelerator at speed should peg the Fit MPG bar...
by gd
Thu Mar 28, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Fit MPG issue
Replies: 49
Views: 3058

Re: 2012 Honda Fit MPG issue

Until about 7 months ago, I was getting, reliably 25 MPG city (New York, brutal for cars) and about 35 MPG highway. ... Took the car into my long time, very reliable mechanic who seemed oddly unconcerned. He says that he checked all the obvious stuff, stuck wheels, tire pressure; spark plugs were c...
by gd
Wed Mar 27, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: What am I doing wrong on my return?
Replies: 3
Views: 692

Re: What am I doing wrong on my return?

Reading and posting quickly, not a good idea with anything relating to 1116, and I don't use multiple categories, but- aren't the categories just used to determine the percentage of whatever that category's taxes can then be applied to all income? All the categories are added in section 4 without fu...
by gd
Tue Mar 26, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6265

Re: How to Sell a Wyland Painting on My Bathroom Wall?

Looking at the image again, knowing it's opposite the toilet, looking at those drippy lines... pull the plug, man.
by gd
Tue Mar 26, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6265

Re: How to Sell a Wyland Painting on My Bathroom Wall?

It's not a very elaborate work, probably cheaper to commission him to paint another piece of sheetrock than preserve it.
If that makes you think "what? no.", well, there's your answer.
by gd
Tue Mar 26, 2019 7:40 am
Forum: Personal Investments
Topic: Moving assets to an online account
Replies: 8
Views: 967

Re: Moving assets to an online account

More will soon reply describing more of above, about posting portfolios, working out your goals, and stuff. I'm making a comment on a side point above-- I'd want to understand exactly how that low performance occurred before deciding where to go. Evil stockbroker/brokerage, honest miscommunication o...
by gd
Sun Mar 24, 2019 7:40 am
Forum: Investing - Theory, News & General
Topic: Dividends vs Total Return
Replies: 52
Views: 3748

Re: Dividends vs Total Return

I was recently given responsibility for managing a cluttered active brokerage account designed for income, much as you're suggesting. As an aside, a careful analysis showed that over 25 years, it performed about the same as a 50/50 index solution, worse than 60/40. My current time-sink is trying to...
by gd
Sun Mar 24, 2019 7:18 am
Forum: Personal Investments
Topic: Surprised on tax benefit after first year as landlord!
Replies: 20
Views: 3400

Re: Surprised on tax benefit after first year as landlord!

I was surprised at how little was taxable. I expect to be similarly surprised at how much is taxable when the property is sold.
by gd
Sun Mar 24, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3547

Re: What to do when client doesn't pay and ignores you?

Phone calls, texts and emails can be disputed as never received for lots of common reasons. I would not consider small claims court without evidence of attempts to reach them by certified mail, with a signature receipt. If that is returned undelivered, do it again without a signature required just f...
by gd
Sat Mar 23, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: Dividends vs Total Return
Replies: 52
Views: 3748

Re: Dividends vs Total Return

I was recently given responsibility for managing a cluttered active brokerage account designed for income, much as you're suggesting. As an aside, a careful analysis showed that over 25 years, it performed about the same as a 50/50 index solution, worse than 60/40. My current time-sink is trying to ...
by gd
Wed Mar 20, 2019 7:30 am
Forum: Investing - Theory, News & General
Topic: McClung's Harvesting Ratio vs. Sharpe Ratio
Replies: 6
Views: 612

Re: McClung's Harvesting Ratio vs. Sharpe Ratio

Thanks all. Agree it appears to be a question suitable for the author. I wasn't sure if I was just being particularly thickheaded, and this forum is an excellent facility for revealing that. It wasn't my first point getting bogged down; seems like digesting the book to where I actually have confiden...
by gd
Tue Mar 19, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: McClung's Harvesting Ratio vs. Sharpe Ratio
Replies: 6
Views: 612

McClung's Harvesting Ratio vs. Sharpe Ratio

I understand there's a 9-page thread on this book, but I have a very specific question and do not wish to reactivate a general discussion. I'm slogging through McClung's "Living Off Your Money". I'm getting stuck on many points, and trying to figure out if we just don't process information in compat...
by gd
Sun Mar 17, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: 2007 vintage digital photo frame
Replies: 7
Views: 754

Re: 2007 vintage digital photo frame

Make sure you're using SD cards, and not variants such as SDHC. You can probably buy it online or find it via a freecycle-type site, but I couldn't find one in a retail store a few years back. Early digital photo frames were pretty bad, you may have overpaid for this.
by gd
Sat Mar 16, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: can i use turbotax without paying a fee?
Replies: 26
Views: 1761

Re: can i use turbotax without paying a fee?

If an upgrade is required TurboTax will tell you. They'll tell you to upgrade even if it isn't required. But yes, start with the simplest version that might work, and don't upgrade unless you're certain you can't get there from here. I do complicated taxes including rentals, retirement income and l...
by gd
Fri Mar 15, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 1882

Re: Angies List v. Homeadvisor v. ???

The absolute worst experience I've ever had with a tradesman was the top-rated Angie's List contractor in my area for small/midsize renovation. I hate dealing with these guys, and thought AL would be my rescue. It was so bad I cancelled the job in the middle and ended up paying $30k for at most $20k...
by gd
Thu Mar 14, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Tax return maybe lost in the mail
Replies: 12
Views: 976

Re: Tax return maybe lost in the mail

I have had several pieces of first-class mail take over 10 days in the last year, never before in my life. Wait another week. For me most government interactions have slowed down in the last 1-2 years, and I plan accordingly. Ranges from postal mail to >3 month waits on several social security and o...
by gd
Thu Mar 14, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Mid Cap Index instead of Total Stock Market in Portfolio
Replies: 50
Views: 3690

Re: Mid Cap Index instead of Total Stock Market in Portfolio

This seems to be important to OP, yet most of the discussion has avoided it. What's your point? :D I've been using portfoliovisualizer.com to examine unrelated issues I've been trying to sort out. Put in your various options or something close that has a long history, look at the comparative result...
by gd
Tue Mar 12, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2450

Re: Medical and Living in Germany

I'm familiar with the BYO kitchen concept in various parts of Europe from watching various tv shows. The part of it I don't understand is what do Germans do with it when they move? I can't imagine all kitchens are the same size, so if you move into a larger/smaller kitchen how does moving the old k...
by gd
Mon Mar 11, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2450

Re: Medical and Living in Germany

Your US employer is the one to ask about all the financial issues. I don't live there but have and go regularly. I'm not aware of any issues in general health care, although I assume they still don't push you out the door as fast as the USA. I did/do/will always get dental work other than emergencie...
by gd
Mon Feb 11, 2019 9:21 am
Forum: Non-US Investing
Topic: EU investor: any way to avoid punitive US estate tax on death?
Replies: 59
Views: 4358

Re: EU investor: any way to avoid US estate tax on death?

If I'm reading the post timestamps correctly, you appear to be getting worried that no one is responding to your posts between 3 am and 8 am EST, midnight and 5 am PST. Might I assume you are currently in the EU? :D
by gd
Mon Feb 11, 2019 9:02 am
Forum: Personal Investments
Topic: Retirement portfolio overweighted on High-Yield Bonds
Replies: 11
Views: 679

Re: Retirement portfolio overweighted on High-Yield Bonds

I have access to records of a situation that has some relevance. Records start 25 years ago, with low 6-figure full service brokerage account invested for long-range income. All and only income withdrawn monthly. ~13 years ago, was at mid 6 figures, and was approximately doubled with a large deposit...
by gd
Fri Feb 08, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9664

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

EnjoyIt wrote:
Sun Feb 03, 2019 1:17 pm
OP is clearly ignoring all responses that recommend just letting the pet hold it. Unless I am mistaken, it seams to be a non-starter.
Most internet forum posts-- everywhere, not just here-- are written for the pleasure of the writer.
by gd
Thu Feb 07, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: Deleting scanned pages with Brother multifunction printer
Replies: 7
Views: 680

Re: Deleting scanned pages with Brother multifunction printer

Problem solved, thanks. Odd how bad the manufacturer's package is.
by gd
Wed Feb 06, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Deleting scanned pages with Brother multifunction printer
Replies: 7
Views: 680

Deleting scanned pages with Brother multifunction printer

So I bought a Brother multifunction laser printer based on nice comments about them here. Got the cheapest in the store, and it's way better than inkjets. However, I scan a lot of multipage PDF documents, some quite long. None of the Brother PC software (iPrint&Scan and ControlCenter4) seems to allo...
by gd
Wed Feb 06, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Any major differences between the cordless water flosser and the ones that sits on counter?
Replies: 7
Views: 581

Re: Any major differences between the cordless water flosser and the ones that sits on counter?

Cordless are needed for bathrooms without counter space near sink. Recharge it 2x/week or the pressure will drop, can't say how they compare directly. Refill reservoir half way through. Not a big burden, you're leaning over the sink, and it's like the little beeps power toothbrushes make to pace you...
by gd
Wed Feb 06, 2019 8:49 am
Forum: Personal Investments
Topic: Tax status of Vanguard's Federal Money Market Fund
Replies: 12
Views: 3158

Re: Tax status of Vanguard's Federal Money Market Fund

FWIW, several years back they required me to switch my sweep account from Prime to Federal (in brokerage account) because, they claimed, of regulatory changes. I saw a full-service broker did something similar with a relative, switching them to a cash account (which they didn't notice, and have miss...
by gd
Tue Feb 05, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - vehicle mileage deduction
Replies: 8
Views: 457

Re: Tax question - vehicle mileage deduction

Confused. Are you expecting to use the .545/mile? Because it sounds like TT is using the actual costs. IRS: The standard mileage rate for business is based on an annual study of the fixed and variable costs of operating an automobile. The rate for medical and moving purposes is based on the variable...
by gd
Tue Feb 05, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: Firecalc - Date of Portfolio Change
Replies: 2
Views: 289

Re: Firecalc - Date of Portfolio Change

You haven't given amounts, so we have no way of knowing the size of portfolio increase with respect to the whole. It might be small enough to be lost in the randomness and/or that 5% somehow-- keeping in mind FIRECalc isn't actually random, it's replaying past markets, which confuses the matter even...
by gd
Tue Feb 05, 2019 7:23 am
Forum: Non-US Investing
Topic: Switching from Actively Managed Funds to Passively Managed Funds [Italy]
Replies: 9
Views: 606

Re: Switching from Actively Managed Funds to Passively Managed Funds

I may be misunderstanding, but it seems you are considering switching from all-Italian investments to mostly-USA investments. I think that is a more important issue than fees, and depends on your residency and maybe tax home. I think residency also matters also for access to Vanguard.
by gd
Sun Feb 03, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 4534

Re: Has anyone used software to write a Will?

A better question: Has anyone seen the outcome of a software-produced Will?
by gd
Sun Feb 03, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9664

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

I have lived in maybe 30 places in my adult life. Couldn't guess how many were plagued by barking dogs to the point it was a factor in moving; maybe close to 10 over 40 years. They were dogs put outside for the evening or weekday, usually with the owner gone from the house. Every time I've talked to...
by gd
Wed Jan 23, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Comparing health insurance company negotiated rates
Replies: 6
Views: 427

Re: Comparing health insurance company negotiated rates

Don;t know - but do you think there is that much difference in negotiated rates for different insurance companies? That's my OP question. That insurance companies get wildly discounted rates (e.g. up to 90% from Quest Diagnostics for blood tests) over uninsured billings is not disputable. I have se...
by gd
Tue Jan 22, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Comparing health insurance company negotiated rates
Replies: 6
Views: 427

Comparing health insurance company negotiated rates

With a high deductible, the final negotiated rates that a health insurance company achieves can be a significant part of health care costs. Does anyone know of side-by-side comparisons of negotiated rates that can be used to evaluate health insurance companies when shopping for individual health ins...
by gd
Tue Nov 27, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9400

Re: Networth to buy a dual turboprop aircraft?

Your half of the Mooney costs $162/hr to operate ? That sounds really high, unless the hr denominator is very small. Does that include a loan? Taj mahangar? Low hour/basic certificate so crazy insurance? Probably isn't, depending on circumstances. Airport near me charges over 700/mo for cruddy T-ha...
by gd
Tue Nov 27, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9400

Re: Networth to buy a dual turboprop aircraft?

This thread is remarkable in that the OP never even disclosed if he/she is a pilot. I think if OP were a pilot they would not have needed to ask this question. It's a legitimate question even for a pilot, although this isn't a particularly good place for it. It was clear from the phrasing that they...
by gd
Tue Nov 27, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Anyone invest in Vanguard's Health Care Fund?
Replies: 20
Views: 2011

Re: Anyone invest in Vanguard's Health Care Fund?

Had it for 2 decades, did quite well except for high CG distributions. Switched to the index ETF a few years ago to reduce CGs and gain harvest, haven't second-guessed either the sector or the switch to index at all. I'd be happy to trade off profits in the sector for consumer- vs. profit-oriented h...
by gd
Mon Nov 26, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9400

Re: Networth to buy a dual turboprop aircraft?

This thread is remarkable in that the OP never even disclosed if he/she is a pilot.
by gd
Fri Nov 23, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9400

Re: Networth to buy a dual turboprop aircraft?

Ask your peers how they fly. If they give you blank stares, you're probably out of your league. People who can afford it stopped flying commercial years ago. If you want to be a groundbreaker in your clique, price fractional & charter. No presonal experience, but I'd guess more affordable solutions ...
by gd
Sun Nov 18, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 2007

Re: What convenience fees does your city charge for credit card use?

Credit and debit cards have 2.95% fee, $1 minimum. eChecks free. Fees to company the town uses. Was going to list the company until I noticed you give no info whatsoever on your location and it's a regional company. Works both ways... I usually pay with my local bank's bill pay service, or go to the...
by gd
Sun Nov 18, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2701

Re: Understanding the difference in cell phone OS types

Two perfectly-functioning-HW iPad 3s-- essentially obsolete because iOS can't be updated. E.g. my favorite weather app upgraded past it, and the next 2-3 I tried to use also. Two android phones-- Takes some minor initial learning, e.g. app updating buried a few layers down, but adequate. Way easier ...
by gd
Sun Nov 18, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3718

Re: Home sale etiquette: wall repair

Rule of thumb I've always heard is if you need a tool to remove it, it's part of the sale unless excepted in sale agreement. Clothing, picture and curtain hangers, indoor shutters.
by gd
Tue Nov 13, 2018 12:30 pm
Forum: Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 8941

Re: Move savings to Prime Money Market Fund (VMMXX)

Won't matter to Vanguard clients, but a side note-- I assist someone in financial matters with a full-service broker I also used to use. Years ago they routinely used MMFs for managing cash as Vanguard does, sweeping cash at least at month's end. Looking at it recently, I realized the MMF had vanish...
by gd
Tue Nov 13, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 34927

Re: [Financial] Habits of the Rich

I kept my minimalist college student (70s era!) mindset, spouse modest working-class mindset. Standard "millionaire next door", details are just personal preferences. We've upgraded somewhat lately, but it was all fine, I often miss it. Key to being rich, whatever that means: luck. Born into privile...
by gd
Tue Nov 13, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 34
Views: 2785

Re: Windows 10 October Update (1809)

1803 basically killed an old laptop I was using for playing DVD and mp4 videos to a TV. Tried everything I could think of for months, would never complete and ate so much performance it was unusable. Clean restore to W7 without network just has the occasional "please activate/update me" nags. And I ...
by gd
Mon Nov 12, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 40
Views: 3441

Re: Direct Primary Care-Anyone use it?

In addition, since most of my DPC patients have no insurance or high deductible plans, I have arranged, negotiated and/or sought out the best cash pricing for specialty care, imaging and procedures for my patients, information difficult for patients to track down or negotiate on their own. Thus, an...
by gd
Thu Nov 08, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2386

Re: Best strategy basement mold

I looked up Concrobium and its active ingredient is: Sodium Carbonate. Web site says Tri sodium Phosphate, FWIW. My experience is that humidity in NE basements will depend largely on your individual circumstances-- foundation depth, insulation, sealing and local water table, basement heating and ve...
by gd
Thu Nov 08, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4862

Re: How to deposit cash in online account with no local branch

My local bank has free checking, no minimums, notary and medallion signature services, and online capabilities are as good as Bank of America except for not offering a credit card linked to the same web site-- which I do not particularly want. Never lines, tellers know us by sight, and more than onc...