Search found 1535 matches

by gd
Wed Nov 13, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 22
Views: 2317

Re: Is LastPass still top in security, any reason to switch?

Curious why KeePass has fallen out of favor; I believe I heard about it from recommendations here.
by gd
Tue Nov 12, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 1973

Re: Giving away cat that has microship...

Asking because I may not have the time to change the registration information to the new owner. Get your vet and microchip records together now in preparation for the change in ownership. When it happens, it should take you less time to report the change than it will for you to read these answers. ...
by gd
Fri Nov 08, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: TurboTax- Always Popular

Does that include a state? Premier includes one state of your choice but not e-file for state (e-file is included for federal). At least that's how it's always been. It never includes efile for state, they usually charge another fee (around $10 if I remember correctly) for state efile, just another...
by gd
Fri Nov 08, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: TurboTax- Always Popular

It says "limited time" but $69.99 for Premier is pretty much the normal "sale" price. It will definitely go lower during the Black Friday deals. You might as well wait as large parts of the software remain non-functional as some forms still need to be finalized and so TurboTax will receive many upd...
by gd
Fri Nov 08, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: Turbotax 2019 on Amazon

Can Deluxe handle rental properties - Schedule E? Questions I was asked: 1) Did you have any rental or royalty income and expenses in 2018 for property you own? Says We'll Cover - rental property income and expenses, natural resource royalties, intellectual property. In answered - Yes. It then trie...
by gd
Fri Nov 08, 2019 8:28 am
Forum: Investing - Theory, News & General
Topic: Annuity buy out offer
Replies: 33
Views: 1560

Re: Annuity buy out offer

I would start by calling either Vanguard or Fidelity. They both have annuity "specialists" who are familiar with VAs from many companies & should provide some objective advice; likely helping figure out a gotcha. "Should", yeah. I recently annuitised a Vanguard/Transamerica VA account, and had one ...
by gd
Fri Nov 08, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: visiting Maine in November
Replies: 27
Views: 1860

Re: visiting Maine in November

If you're from inland Alaska, probably won't be too cold. Southern FL, yes. Give your approximate location in your profile for better results in this and all climate-related questions.
by gd
Fri Nov 08, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2650

Re: Is selling trees for lumber Immoral?

Dead trees are the keystones of a forest. I've read claims to the effect that there are more living organisms in a dead tree than were cells in the living. Microorganisms, fungi, plants, insects, birds, mammals live and feed in dead trees both standing and fallen. Managed forests are productive for ...
by gd
Thu Nov 07, 2019 6:46 pm
Forum: Personal Investments
Topic: Assuming Control of Mom's Morgan Stanley Acct.
Replies: 18
Views: 1208

Re: Assuming Control of Mom's Morgan Stanley Acct.

RetiredAl - Only two preferred stocks and maybe 10 or 12 funds. But that's a good consideration. And thanks for the tip on the medical referral for tax purposes. gd - Well the adviser disclosed to me directly that he charges a 1.5% fee. I asked him if he had a flat fee or any other arrangement and ...
by gd
Thu Nov 07, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1314

Re: Going small on a Windows PC

Batpot, a standard size tower is mostly empty space. I bought one 10 years ago at 1/3 the size of standard, with the same capabilities. Examples above look even better. No idea if it saves power, but definitely saves space.
by gd
Wed Nov 06, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Going small on a Windows PC
Replies: 17
Views: 1314

Re: Going small on a Windows PC

My PC needs pretty much stabilized 10 years ago. Why would I want a larger chassis for expansion nowadays? Who does that and for what?
by gd
Wed Nov 06, 2019 8:57 pm
Forum: Personal Investments
Topic: Assuming Control of Mom's Morgan Stanley Acct.
Replies: 18
Views: 1208

Re: Assuming Control of Mom's Morgan Stanley Acct.

I've had and had visibility into other MS accounts, and there was not a flat 1.5% AUM fee. I believe a relative pays something like this, for extra advisory and planning services. Are you sure this is required vs. an optional service? I've got issues with MS including forcing you to talk to a broker...
by gd
Wed Oct 30, 2019 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11543

Re: Ok to go without health insurance?

There have been a few replies claiming that non-insured medical billings can be lower than the pre-negotiated rates I see on my insurance company's explanation of benefits forms. I have never heard this before. No offense to the anonymous posters, I appreciate the tip, but can anyone point me to any...
by gd
Fri Oct 25, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and landlord
Replies: 6
Views: 806

Re: Taxes and landlord

You should do what is typical in that country, which you have not identified.
by gd
Thu Oct 24, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 16
Views: 1862

Re: Home Depot and Lowe's product reviews

I look for mention of specific issues and qualities. Often they lead me to further investigation of those issues. I ignore nonspecific pro/con reviews. I used and found the garden hose recommendations here unimpressive. Wouldn't buy a Stanley FatMax again, no better and arguably a bit worse than oth...
by gd
Tue Oct 22, 2019 7:45 am
Forum: Personal Investments
Topic: Which Type Of Order Do I Want?
Replies: 9
Views: 1003

Re: Which Type Of Order Do I Want?

Consider that unless it's a huge amount of money, you've probably spent more time fussing over this than the additional tax preparation time to deal with whatever comes out of a market order. The amount of tax impact may not be as much as you're thinking. Tax brackets are marginal-- you go over slig...
by gd
Tue Oct 22, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10161

Re: For those who are FI: At what point did you begin to relax?

I began to relax when running FIRECalc and I-ORP, and realizing 1) my income projections were 50% over my current expenses, and 2) I had absolutely no desire to live to the age I was projecting to, with plans to avoid non-palliative medical care long before then. If I was 30s with 2 small children, ...
by gd
Tue Oct 22, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 5713

Re: Living life post smart phone

BradJ wrote:
Sun Oct 20, 2019 7:55 pm
... I would love to find a phone that could still check e-mail ...
Seems inconsistent. I think you need to dig a little deeper into your behaviors, or be clearer about what the problem is.
by gd
Sun Oct 20, 2019 7:47 am
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2429

Re: On the fence with I bond- do you agree with this article?

So how much exactly is the yearly return on $10k likely to decline if "The Treasury will reset this fixed rate on November 1, and it is very likely to go lower."? And will that be more or less than your next week's Starbucks coffee expenses? I view I-Bonds as a minor inflation-oriented diversity inv...
by gd
Sun Oct 20, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 1658

Re: Any experiences (good/bad) with EasyJet for EU travel?

Make sure you factor in the cost of food (and time) and maybe hotel during your flight travel. If you stay over in London, there are extra things to pay. Or any city where your flights are not bunched in a manner in which you travel more or less seamlessly. No snes in saving that $400 if you have s...
by gd
Sun Oct 20, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7296

Re: what was vanguard like before the internet?

For all you index investor out there who are long in the tooth, just curious what you did pre internet. ... But how the heck did Bogle push index funds in the 80s if the internet wasn't there and a human wasn't paid to help. How was it still cheap if a human did help? The occasional magazine or new...
by gd
Tue Oct 08, 2019 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Question for those who have used will prep software
Replies: 11
Views: 1359

Re: Question for those who have used will prep software

A more interesting version of these sorts of questions would be "Question for those whose deceased relatives have used Will prep software".
by gd
Sun Oct 06, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6127

Re: Social Security Card as Identification for Real ID

I brought my original SS card, and I recall the processor looked at it as he made a remark about it needing to have a certain appearance, I think it was a version with columns on it. Mine did, and was printed by machine on custom-printed paper stock. Wouldn't assume yours can be used. As a curiosity...
by gd
Fri Sep 27, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Quicken Subscription Renewal
Replies: 31
Views: 2083

Re: Quicken Subscription Renewal

Next month my subscription ends. My plan is to do all the entries by hand once a month (I have been doing that for most of them for a while). I understand that I will continue to be able to do that. Is that correct? But will you get a nag? I have 2015 and every five starts and shutdowns get several...
by gd
Wed Sep 18, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Live in MA, Need 2.5 years health insurance until Medicare
Replies: 38
Views: 2468

Re: Live in MA, Need 2.5 years health insurance until Medicare

I echo the comments of another poster: talk to a MA-based broker. The insurers themselves will not deal directly with individuals or small business. There aren't actually a ton of brokers, it's a small state, and the state that Obamacare came from in the first place. My broker last time was an outf...
by gd
Tue Sep 17, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Live in MA, Need 2.5 years health insurance until Medicare
Replies: 38
Views: 2468

Re: Live in MA, Need 2.5 years health insurance until Medicare

I found the site amazingly confusing, but did eventually sort it a bit by (beware, from memory) finally realizing the metals & levels (e.g. hi bronze, silver low) had standard benefits, the variation was prices and provider networks. I figured out roughly what benefits I wanted (e.g. no prescription...
by gd
Sun Sep 01, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6035

Re: How to help niece improve her driving

I know something about learning to fly airplanes, driving really complicated cars in 3D. If you are accurate, she doesn't need advanced training, she needs basic training. Fundamentally different. Not everyone has the innate aptitudes that most do-- for example, to multitask and divide attention bet...
by gd
Mon Aug 26, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: preparing for recession/stockpiling
Replies: 55
Views: 4793

Re: preparing for recession/stockpiling

So you've worked through your 1999 supplies already?
by gd
Sun Aug 25, 2019 7:13 am
Forum: Personal Investments
Topic: Is CPOAX (Morgan Stanley Insight) the best growth fund out there?
Replies: 40
Views: 2400

Re: Is CPOAX (Morgan Stanley Insight) the best growth fund out there?

hdas wrote:
Sat Aug 24, 2019 4:31 pm
In sum, this is the fund you want to own coming off a market low.
I compared it with VTSAX in portfolio visualizer, which happens to start 2001, and concluded it's not the fund I'd want to own coming off a market high. Are we at a market high or a market low?
by gd
Sun Aug 25, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Bitten by a dog; owner took dog and ran away.
Replies: 19
Views: 3967

Re: Bitten by a dog; owner took dog and ran away.

HurdyGurdy wrote:
Sat Aug 24, 2019 9:32 pm
... The police were called, and animal control too.
...
You're saying the police and animal control aren't doing anything after reporting a dog who has bitten several people?
by gd
Sun Aug 25, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Financially independent - now completely lost
Replies: 30
Views: 5615

Re: Financially independent - now completely lost

You are the parent. If you want to spend time with your kids, turn off the TV, take away the tablets, and show them some new experiences. You need to show yourself some new experiences first. Not many teenagers are interested in being supporting cast in a mid-life crisis. This isn't much about mone...
by gd
Sat Aug 24, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4760

Re: Do burglars steal and use paperwork?

That story about the burglar eating the porridge was just an internet rumor.
by gd
Fri Aug 23, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2228

Re: Lawn chemicals - any experts here?

Seeing a reference to a Bayer web site for info on pesticide safety reminds me of when I used to read Morgan Stanley research reports advising me to buy a company's stock because the company's management said everything was great.
by gd
Tue Aug 20, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: Total index funds are “crowded”
Replies: 26
Views: 3496

Re: Total index funds are “crowded”

William Bernstein writes that you should worry if everyone around you holds the same investment you do. He uses the term “crowded” to describe market phenomena like internet stocks in the late 90s. What do I think? Sophistry. If you're talking about energy stocks, or tech stocks, or real estate, su...
by gd
Sun Aug 18, 2019 6:47 am
Forum: Personal Investments
Topic: Received a 1 million windfall and what to do with it
Replies: 16
Views: 3646

Re: Received a 1 million windfall and what to do with it

If you don't like the default outcome dying intestate, wills in case you both die-- e.g. car accident. You are not *much* more likely to be sued. It'll just be more painful in the unlikely event it happens. And if no one above said this (didn't check), don't bother mentioning the windfall to anyone.
by gd
Fri Aug 16, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Transition ACA plan to Medicare
Replies: 16
Views: 823

Re: Transition ACA plan to Medicare

Just did something similar, I *think* it's working out ok. But it was handled by the state ACA organization (Mass Health Connector), so likely totally state-dependent. I was told that to take my spouse off ACA medical (but not dental) because of Medicare eligibility, everything for both of us must b...
by gd
Fri Aug 16, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 25
Views: 2402

Re: Lawn mower

Best I ever had was a K-Mart no-name I bought for a one-summer rental, but used it hard for at least a decade. Worst was a Craftsman. Now I get my power equipment from a local store, whatever they've got in stock that fits my need. Supports a local business, and they'll give me advice, parts and ser...
by gd
Fri Aug 16, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4760

Re: Do burglars steal and use paperwork?

OP here, thanks all, that was useful. Agree digital storage is desirable, I do it for new stuff and have been doing it as a clutter-reduction strategy. But I have a lot of stuff, not all just mine or affecting just me. There's a tradeoff between time spent scanning marginal material, clutter, securi...
by gd
Tue Aug 13, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4760

Do burglars steal and use paperwork?

Curious about risk from break-ins. I have no obviously fenceable possessions other than a few cheaper cell phones, tablets, shabby desktop PC (no unencrypted financial passwords cached), and car keys for car. No drugs, liquor cabinet, jewelry, home entertainment center, silver, cash, guns. They'll s...
by gd
Mon Aug 12, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: With Rates Falling Should U Buy Annuity?
Replies: 18
Views: 1985

Re: With Rates Falling Should U Buy Annuity?

Just faced with this decision. I've been collecting crude data for years, and came up with a vaguer version of RobSTCP's points, although my guess as to the interest rate proportion was considerably larger. But an annuity purchase is specifically made with an eye towards death now visible on the hor...
by gd
Sun Aug 11, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18388

Re: Are you a "solo ager?"

On an investment angle, annuities. It has gotten better in recent years, but dismissing them out of hand because they don't perform as well as active financial management is not unusual here.
by gd
Sat Aug 03, 2019 7:03 am
Forum: Personal Investments
Topic: Does it bug anyone else that Vanguard only has money market for cash?
Replies: 101
Views: 8808

Re: Does it bug anyone else that Vanguard only has money market for cash?

Had some dealings with Morgan Stanley thrust upon me the last year, and long story short, they wouldn't LET me set up a MMF for sweeps. Everything went into a Bank Reserve fund, and if I wanted cash in MMFs, I had to call them up and request purchase of the MMF from Bank Reserves. So no, I'm fine wi...
by gd
Thu Aug 01, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1459

Re: Travel German alpine and Swiss Alp. Please review

Consider Neuschwanstein (not too far south of Munich). Have traveled all over Germany, and I can't think of a less interesting or less worthwhile "attraction." I can- Oberammergau. Doesn't line up exactly, but consider the Bavarian Viehscheid events, a.k.a. Almabtrieb. Kruen and Mittenwald might be...
by gd
Thu Aug 01, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard Adviser Services
Replies: 11
Views: 1291

Re: Vanguard Adviser Services

I had a surprisingly persistent sales effort speaking with a Vanguard rep recently. And as I logged in for my monthly activity review today, I see a garish display pushing... Vanguards long history of actively managed funds. The Vanguard of 20-30 years ago is gone. I agree there are some circumstanc...
by gd
Wed Jul 31, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7453

Re: Whole-house generators - Generac, Kohler, or Briggs?

You're not considering noise levels.

Anything sold by Home Depot will be the most discussed. My assumption is always that any item sold there in quantity is unlikely to be the best available. Sometimes that matters, sometimes it doesn't.
by gd
Mon Jul 29, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7741

Re: Uber Without Smartphone

And just what I was afraid of is already happening. Stepdaughter starts texting me right in the middle of my footy game. Fortunately it's a replay (not live) so I can watch the rest later, but it's still an annoyance. Suggestion: do not use texting other than for automated login security messages. ...
by gd
Sat Jul 27, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Oil to natural gas conversion anyone?
Replies: 43
Views: 2149

Re: Oil to natural gas conversion anyone?

This might end up being somewhat of a wash, because the new high-efficiency gas furnaces have a draft-inducer blower motor to force the hot combustion gases through different heat exchangers. Less efficient gas furnaces (or water heaters) usually just relied on the heat to induce a draft up a verti...
by gd
Sat Jul 27, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Oil to natural gas conversion anyone?
Replies: 43
Views: 2149

Re: Oil to natural gas conversion anyone?

...Went from mandatory burner maintenance every year to essentially no maintenance.... No maintenance is a huge plus! Thanks for the info :sharebeer "Essentially no". Oil burners are filthy and require yearly maintenance, probably regular flue servicing as well. NG doesn't. We've had a service chec...
by gd
Thu Jul 25, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7741

Re: Uber Without Smartphone

I have heard that gogograndparent is not that great, as drivers cancel a lot if they think they will have to help someone into the car, the destination/pickup is a hospital or nursing home, etc. That's a Lyft/Uber problem, not gogograndparent. I rarely use U/L, but have that experience myself-- e.g...