Search found 1368 matches

by gd
Sun Sep 23, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: I'm just itching to tax-GAIN harvest
Replies: 7
Views: 1190

Re: I'm just itching to tax-GAIN harvest

Not sure I understand. You're going to pay the state tax at some point. What's the conundrum? If you want to stay invested, immediately rebuy something equivalent. I use ETFs to replace mutual funds with repurchase restrictions.
by gd
Sat Sep 22, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 3902

Re: Quicken - Do you use it?

I've got a 2015 with downloading expired, not interested in it and just want to use the program standalone. I haven't updated since the company changed because I'm afraid they'll slip in more subscription pressure or restrictions-- basically, I don't trust them to let me use it expired. I get nags t...
by gd
Fri Sep 21, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6711

Re: Don't trust Tripadvisor reviews

Just wanted to spread the word out, so those of you who trust their reviews may reconsider. You are saying that you can't trust reviews done by anonymous internet individuals? I'm shocked and chagrined! Mortified and stupefied! :shock: Gosh, what's next? Financial advice? :shock: Most burned I ever...
by gd
Wed Sep 19, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Why I left Wealthfront
Replies: 40
Views: 11426

Re: Why I left Wealthfront

Without having a clue what I'm talking about, vaguely perplexed that someone who can analyze a company like that would be using a roboadvisor in the first place. :D
by gd
Tue Sep 18, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 286
Views: 27794

Re: U.S. stocks continue to soar!

Freefun wrote:
Wed Sep 12, 2018 10:51 am
This time it's different lol!

https://www.cnbc.com/2018/09/12/heres-h ... ecade.html
That article was an unusually good presentation of vacuity.
by gd
Tue Sep 18, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2050

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

If you fix it yourself follow up with an outlet tester-- small, inexpensive box available at your local hardware store with male plug and 3 lights indicating circuit health. Spend 10 minutes checking all the plugs in the house while you're at it.
by gd
Mon Sep 17, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2942

are iPad Minis obsolete?

I use an app that runs on only iOS, so Apple product only. My iPad 3s are obsolete-- can't update the iOS, and almost unusably slow. The iPad is slightly too large for my use. Even the largest phones are too small and not an option. The Mini is a good size, but the newest version (4) is now several ...
by gd
Sat Sep 15, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4940

Re: Shorts in Egypt

climber2020 wrote:
Fri Sep 14, 2018 5:31 pm
Usually the smallest waist size they make is a 30, and wearing a belt causes the waist to bunch up too much.
If it's appearance, wear shirts designed to hang loose to cover the waist. Common, search for street scene photos.
by gd
Tue Sep 11, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: I found this informative about the next possible crisis
Replies: 22
Views: 4620

Re: I found this informative about the next possible crisis

I'd guess it's more informative about the last crisis than the next one.
by gd
Mon Sep 10, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6804

Re: Cell phone tip: block callers

Next up: online ads to get rich quick by suing junk callers. Funny, I haven't thought of the guy I knew in school who made money- lots of money- from "summer jobs on ships" ads for decades. He sold lists of shipping companies.
by gd
Mon Sep 10, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1249

Re: small-wheel bicycle

Thread on topic: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=241069 I ended up getting a Dahon Vybe D7, because a convenient bike store had one in stock. My rarely-biking spouse is quite happy with it, so far it folds up well and seems surprisingly good quality. I plan to get a second. Rid...
by gd
Mon Sep 10, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9465

Re: How to "waste" money on groceries?

I pay almost 2x for regional milk from sources rated as treating cows better (per Cornucopia Institute). No difference in taste I can sense. On vacation I buy pasture-raised raw milk, still can't tell any particular difference. It's entirely ethical. I buy local farm stand & orchard produce to suppo...
by gd
Sun Sep 02, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Any taxes on Xfinity Mobile By the Gig data?
Replies: 13
Views: 761

Re: Any taxes on Xfinity Mobile By the Gig data?

As with so many BH threads, it likely depends at least partly on the location, both question and replies.
by gd
Sun Sep 02, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29275

Re: Umbrella insurance..who has it? Is it recommended?

I have always understood to buy an amount that is equal to your assets. Why? My guess, clever marketing. Catchy, and ensures the insurance company maximizes available revenue from customers-- the more you have, the more they get. I used to have a liability-prone hobby job, and fell into this story ...
by gd
Fri Aug 31, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 1977

Re: Native German speakers: need help with translation.

If you're thinking of the old shelf toilets, they're long gone. German toilets have effective long/short flushes for water conservation that can sometimes be found here as a novelty, and styrofoam tank insulation to prevent sweating that I have never found built-in in a US big-box store. Their lack ...
by gd
Tue Aug 28, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Retiring to USA from Australia
Replies: 22
Views: 1427

Re: Retiring to USA from Australia

The issue may not be "home sickness" but the difference between visits (being entertained, entertaining, etc. VS. the day to day practicalities (not all great) of living in the US. Unless you're planning on completely integrating them into your life, pay attention to this. Have a blunt talk with th...
by gd
Mon Aug 27, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 56
Views: 82113

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Just a side comment: The carpenters and contractors I've worked with are, let's say, not great in critical thinking and expression. However, if they can't explain their reasons, I now tend to give them little weight. My experience is that it's likely to be something like: he likes the rep, it's chea...
by gd
Sat Aug 25, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7767

Re: I still use cash not credit cards should I reconsider?

My thoughts are to do what you want. To keep track, I enter all purchases-- cash or credit card-- into quicken manually. No downloads. Consider that with a CC, you will get a monthly summary of all your purchases. Now you just have the inhibitory act of needing to get a wad of cash every few days. I...
by gd
Sat Aug 25, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: NYT - Caring for Aging Parents, With an Eye on the Broker Handling Their Savings
Replies: 26
Views: 2493

Re: NYT - Caring for Aging Parents, With an Eye on the Broker Handling Their Savings

The most curious part of the story:
"Mr. Rahn, who still works at J.P. Morgan"
by gd
Tue Aug 21, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Looking to provide free personal finance advice
Replies: 11
Views: 1506

Re: Looking to provide free personal finance advice

I don't know how CA manages this, but look for local elder services organizations (private or public) and offer classes or consultations. Take this suggestion cautiously, as it may not be what you have in mind. This would be more dispersal than investment (depending on the community, I suppose), and...
by gd
Sun Aug 19, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 57
Views: 6628

Re: Credit Card Fraud - $30K

The labor of monitoring accounts and increased fraud risk (with a tradeoff between the two) is a less-appreciated background expense of gaming credit card accounts. File under no free lunch.
by gd
Sat Aug 18, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2957

Re: Discarding dead cell phone without purging my data

OP here. To tie this off, I do not believe anyone's going to spend any effort extracting and reading chips from my low-end, old android phone. There were indications the problem might have been the battery or charging system, in which case it is possible an organization collecting and re-purposing o...
by gd
Fri Aug 17, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 98
Views: 8780

Re: Elderly Relative Short on Money

Areas in MA vary a lot in elder services, but I think a Council on Aging is standard for towns to receive state funding. Check with the local one for services available, and check beforehand in any areas she might relocate to. Some towns have lots of housing options and-- this will be important late...
by gd
Wed Aug 15, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2957

Discarding dead cell phone without purging my data

I've got a smart phone that had a dunking, and never worked again- no chance to reset. I've seen some online discussions indicating it might be a battery issue, suggesting it can be reactivated with my data intact. No SIM card in this model. I have no interest in spending further time restoring the ...
by gd
Wed Aug 15, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5183

Re: How often do you check your brokerage accounts

Chiming in just to note that this is one reason I don't use the download capabilities of Quicken. Used to be "frequently and compulsively". Now I check all financial accounts once a month, when I manually update month's activity in Quicken. Takes maybe 1/2 hour. During the compulsive checking era, I...
by gd
Tue Aug 14, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8082

Re: Retire in Florida or Alabama?

These "which state" discussions often drift to taxes. I've never understood why someone would structure their life based on that. I live next to a state with very different tax structures, and as far as I can tell it's a few percent difference overall- a few thousand dollars per year- for a noticeab...
by gd
Sat Aug 11, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Pension vs. TIRA paperwork
Replies: 5
Views: 507

Re: Pension vs. TIRA paperwork

The amounts are small, likely differences due to interest rates & timing, annuity costs, longevity and such are trivial. I have no experience with pensions or IRA withdrawals and am trying to decide which paperwork path I want to commit to for the duration of my and my spouse's lives. Sounds like no...
by gd
Fri Aug 10, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Pension vs. TIRA paperwork
Replies: 5
Views: 507

Pension vs. TIRA paperwork

After leaving a company years ago, I had a small sum in a company pension that I left in place just for the hell of it. I'm shifting our finances to payouts, and must soon decide whether to get a lump sum (probably to put in TIRA) or activate the pension (about $1k/yr). The financial impacts are tri...
by gd
Wed Aug 08, 2018 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3700

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Not being sarcastic, sounds like a good match- guy without any insurance hires guy without any insurance. If your father isn't inviting your intervention into his affairs, I'd step away. BTW, my understanding is that (in my state at least) IRAs are vulnerable, 401(k)s are not. I wouldn't pay much at...
by gd
Tue Aug 07, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3133

Re: Relaxing - quieting the mind

Get off the internet, perhaps make it inconvenient to use-- e.g. minimal desktop computer in an undesirable location. Eliminate your social media accounts. Use a non-smart cell phone. If someone needs your attention enough to contact you, they will. The rest will stop cluttering up your life with co...
by gd
Sat Jul 21, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 751

Re: Changing address for Social Security after a death

I'd start with the executor laws in your state, which I don't think you identify, e.g. https://www.nolo.com/legal-encyclopedia/if-there-s-no-will-who-s-the-executor.html It sounds like this is more a family matter, not legal. Whatever you advise your spouse, he needs to be able to accept an adverse ...
by gd
Fri Jul 20, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2514

Re: Possible Knob & Tube in an older home.

Ungrounded circuits don't mean K&T. I've had several, most because of some crappy electrical work before my purchase. I would require it be corrected before purchase if I bought another house. It's a basic safety issue. Anyone who won't deal with that isn't someone I'd want to buy a house from, less...
by gd
Fri Jul 20, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 751

Re: Changing address for Social Security after a death

Just a wild guess that you're going to need to tell us who the executor is.
by gd
Thu Jul 19, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2514

Re: Possible Knob & Tube in an older home.

Pretty useless house inspection, isn't it? What is he claiming? That there's a spot where new has been joined to old then back again, covered up by new wall and thus undetectable? Or that he's too sloppy at his job to examine all the circuits carefully? If it concerns you, get a professional electri...
by gd
Mon Jul 16, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3982

Re: Did I get ripoff by this car mechanic?

I think it's worth calling the shop that did the work and asking them how many hours they spent and what their hourly rate is. I'd also call a dealership or two and ask them how much they would charge for the same work. Agree, before posting a negative online review, anyway. People do this very cas...
by gd
Sun Jul 15, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13520

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

My spouse has neither interest nor aptitude for our financial matters. I have all passwords in KeePass, periodically going over how it works and sometimes forcing her to do some online transactions for practice. I have several too-long writeups of accounts and financial planning. I am in a decade-lo...
by gd
Sun Jul 15, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14487

Re: Early retirement

Hadn't thought about this for a while. It was around the various high-tech crashes, so most assumed I was forced-unemployed and avoided the subject. I had a hobby job, they probably thought that was just the best I could do. The few deeper inquiries were quickly squelched by talking about the cumula...
by gd
Sat Jul 14, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2556

Re: anyone working overseas? pros-cons?

Posted this in another thread recently-- Americans overseas who are there for money or some other goal-oriented reason and not into the cultural experience are a spectacularly miserable lot. More than most, I think, perhaps (personal opinion!) due to the insular culture.
by gd
Sat Jul 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: How do you back up Quicken?
Replies: 15
Views: 892

Re: How do you back up Quicken?

So when my computer blows up or I get a new one, this will be the only file I'll need to make myself whole again after reinstalling the program? To make yourself whole as of the moment you made the backup file. You'll lose everything between that backup and the last time you used Quicken-- that stu...
by gd
Sat Jul 14, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Deciding how much to spend on home remodeling
Replies: 22
Views: 1989

Re: Deciding how much to spend on home remodeling

My remodeling experience has been more renovation than fundamental changes of the space but I've always tilted towards finessing vs. gutting systems, and always regretted it later. I try to use my standard estimating technique from my days in software development-- do your best honest, good faith, d...
by gd
Wed Jul 11, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1545

Re: Estate Planning and Charity

If you want to go local, look into Community Foundations. Like DAFs but may have more management services in house to distribute your estate with instructions. Mine is limited to area charities only. Doesn't sound like you have the attachment for this, so be careful. BTW, my alma maters forgot I was...
by gd
Wed Jul 11, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3548

Re: Dad asked for my help on pension decision that I do not understand

There is another factor which won't get much praise from others here, which is a psychological one-- checking the "pay me an annuity" box will settle the matter and provide a payment until death without further fuss. Lump sums, with or without SPIA, require more initiative and knowledge. People here...
by gd
Tue Jul 10, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 6148

Re: Going solar?

Haven't done it but am starting to consider a small (due to site limitations) installation. Don't see how you can have a useful discussion without including climate and State (for regulatory issues) in every comment.
by gd
Mon Jul 09, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1545

Re: Estate Planning and Charity

You've got an unspecified plan if you're not the last survivor, and are in your 40s. You aren't going to be the last survivor for a long time. Honestly, it doesn't really matter unless you all get hit by a meteor at a family gathering. Pick some stuff based on whims and interests, check for high-rat...
by gd
Mon Jul 09, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: Article: Rich kids are counting on inheritance to pay for retirement
Replies: 31
Views: 4697

Re: Article: Rich kids are counting on inheritance to pay for retirement

Rich kids counting on inheritance is as old as the concept of property. WIthout them we'd lose a noticeable portion of both literature and history. I think the article is more interesting as an illustration of our self-absorption. I, for one, welcome our future AI overlords because I think they'll p...
by gd
Mon Jul 02, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust
Replies: 31
Views: 2546

Re: Special Needs Trust

I'll pile on for specialized help (3-4k seems cheap), and an additional general point. I was pulled into being Trustee for benefit of a handicapped person with only an indirect connection to me. It is a responsibility taken reluctantly, that will likely persist long after I'm uninterested and possib...
by gd
Sun Jul 01, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: eliminating traditional IRA basis
Replies: 9
Views: 710

eliminating traditional IRA basis

I'm starting to plan IRA withdrawals, but have never made any. I'm trying to simplify my future recordkeeping. My over-60 spouse has a small amount in a traditional IRA with a basis (nondeductable contribution). It can easily be withdrawn and closed in a single year. She also has a larger amount in ...
by gd
Thu Jun 28, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4178

Re: Best way to clean eyeglasses?

For some reason, I think the newer non-reflective coatings, cleaning got to be a problem several years ago. That or degraded mental processes from aging. Use clean finger, lots of water and Ivory soap (no creamy stuff) to clean, rinse with hot water, tap the top and bottom frame on the towel next to...
by gd
Tue Jun 26, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2857

Re: Cheap simple tablets?

... For an older person who is tech illiterate and doesn't even own a cell phone. ... Has to be super easy for anyone to use. I question the premise that someone who is so tech illiterate that they can't figure out a tablet wants to browse the web. Pretend the tablet UI is a web page to click aroun...
by gd
Mon Jun 25, 2018 6:11 am
Forum: Investing - Theory, News & General
Topic: As time goes on, will total market investing become more perfect, and tilting strategies less?
Replies: 18
Views: 1590

Re: As time goes on, will total market investing become more perfect, and tilting strategies less?

What is it people are "figuring out"? Economics as an accurate predictive science? The impact of the latest bonehead CEO decision, corporate numbers shuffling, Apple toy, venal politician, technological breakthrough, Chinese politics? Edit- imagine two farmers trying to optimize their harvests, each...