Search found 1397 matches

by gd
Tue Nov 13, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7315

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: 125
Views: 14677

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: 19
Views: 1629

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: 2993

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: 2284

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: 41
Views: 3931

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...
by gd
Thu Nov 08, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 37
Views: 4097

Re: Amazon says TurboTax 2018 will be released November 12

They charged a few days ago and the download link isn't working yet. I never have received a physical media for the software, so I'm assuming the 11/21 date is when the download link will become available. They've charged you before the product is released. Okay. Are you getting a discount, at least?
by gd
Thu Nov 08, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 82
Views: 9440

Re: Are We In A Real Estate Bubble?

You might consider explaining your goals in attending a real estate workshop hosted by brokers.
by gd
Sat Nov 03, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9258

Re: no dividends in index funds!

Well, I know someone with a strong desire to not sell principal eyeing preferred stock funds, specifically PFF. Good luck in a rising interest rate environment. Suggest you not bother asking for opinions about it here.
by gd
Thu Nov 01, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5203

Re: People with older car, share your unusual repairs

Everyone I've known with an old version Civic, back when they were the bottom model, blew the engine well under 150k. Best repair before that happened to me was removal of corn kernel from brake pad. Which I guess was more the mice than the car, but whatever. My fully-depreciated Ford Escort dribble...
by gd
Wed Oct 31, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refunds expected to be 26% more in 2019
Replies: 52
Views: 5687

Re: Tax refunds expected to be 26% more in 2019

During the tax changes last year, an example of a typical median income family was published in one of the newspapers and it showed that their tax bill declined by about 75% under the current law. Not my recollection; did a search and here was the first article I found with numbers. Sounded to me l...
by gd
Mon Oct 29, 2018 6:19 am
Forum: Investing - Theory, News & General
Topic: 180 years of Drawdowns, Get used to it
Replies: 36
Views: 6642

Re: 180 years of Drawdowns, Get used to it

Think about this, of all the people you know, how many went into severe financial distress in their later years. I know of no one...including people who are single, uneducated, sickly, low income, etc etc. Worry if you wish. I was raised in a stereotypical upper-middle-class environment and until 3...
by gd
Sun Oct 28, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Experience with Uber?
Replies: 7
Views: 892

Re: Experience with Uber?

If you are concerned about your alertness, make sure your family member knows how to use both the phone and the app. Have a number for a cab service if available, as a backup.
by gd
Sun Oct 28, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2840

Re: Unplugging from Tech Tips

Remove temptations to check stuff. Stop social media. Remove the apps, delete bookmarks to the feeds. If there's someone you really need to follow, use a bookmark to them specifically, removing cookies for your login. If you belong to groups with mailing lists, set to once/day updates. Relentlessly ...
by gd
Sun Oct 28, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2465

Re: What is a reasonable housecleaning cost?

No experiences in housecleaning, I'm reading out of curiosity. But I've had a terrible experience using Angie's List for house repairs. I give them less credibility than Amazon reviews. I'm browsing Nextdoor for such things nowadays just as a starting point for names. Afterthought- I worked for a co...
by gd
Sun Oct 28, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Who should I believe?
Replies: 48
Views: 7543

Re: Who should I believe?

I'm certainly not a wise head, but have had some part of my US-based life tied up in Europe for a few decades. I'd go with 1) home bias unless you have explicit concerns (e.g. Brexit), because that's what you know and where you need it, and worst case you're all in the same boat, 2) awareness of Ame...
by gd
Sun Oct 21, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2799

Re: TV recommendation for my father

Pay attention to the audio warnings. After not having one for 20+ years, I bought a small TV recently solely to watch MP4s off a USB stick or laptop while exercising. First surprise was the lack of standard audio jack for headphones, probably the first home audio-playing device I've had in 50 years ...
by gd
Sat Oct 20, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: noisy generator
Replies: 60
Views: 4259

Re: noisy generator

Could be much worse. You could be your neighbors.

I described my neighbor's Generac in every generator post I saw here for a few years, I think. Never seemed to impress anyone, and I gave up.
by gd
Sun Oct 14, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Stinky Car After Changing Cabin Air Filter
Replies: 6
Views: 823

Re: Stinky Car After Changing Cabin Air Filter

Our dead mouse faded after leaving the car in summer sun for a month with windows left open. 18 months and there's not much left. A cheap air freshener that clips on air vent helped cover it up. I found once it started, the fan didn't make much difference when trying to figure out what/where it was....
by gd
Tue Oct 09, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley to Merrill Edge?
Replies: 8
Views: 835

Re: Morgan Stanley to Merrill Edge?

A quick update: was poking around our Morgan Stanley advisory account and was surprised that there is apparently no way for me to execute any trades on my own. I haven't paid much attention to this account in recent years and admittedly I'm not the most techno-savvy, so it's possible I somehow miss...
by gd
Mon Oct 08, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Testing used cell phone purchase for CDMA & GSM
Replies: 9
Views: 588

Re: Testing used cell phone purchase for CDMA & GSM

I'd guess all iPhones probably have the hardware for both, but judging by the product listings, phones made for a specific US carrier might be unlocked-GSM-only or unlocked-CDMA-only. I infer that "unlocked" is supposed to mean one of them only, and "fully unlocked" is supposed to mean both. But may...
by gd
Mon Oct 08, 2018 4:59 am
Forum: Personal Consumer Issues
Topic: Testing used cell phone purchase for CDMA & GSM
Replies: 9
Views: 588

Testing used cell phone purchase for CDMA & GSM

I'm buying a used iPhone (6S) for use with a specific WiFi-based app. I want to eventually use it as a backup cellular but don't know which service yet, so I'm buying one advertised as unlocked for both CDMA and GSM. I don't trust resellers-- been burned on exactly this point many years ago, discove...
by gd
Fri Oct 05, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Dehumidifier and humidity meter recommendations
Replies: 25
Views: 1886

Re: Dehumidifier and humidity meter recommendations

I found the humidity settings on at least some of my low-end dehumidifiers were unconvincing, no way to anticipate it other than buy the unit and see what happens. Best for me was just a timed duty cycle (which not all provide) monitored long term with a separate sensor put somewhere else in basemen...
by gd
Tue Oct 02, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3539

Re: Found credit cards - annoying interaction with Bank of America

Take them to the local police. Tell them exactly where you found the cards and forget about it.
by gd
Sat Sep 29, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14759

Re: Sears, a 125 year old company is now a penny stock.

I don't see this as a cautionary tale in common stocks at all, just a lesson in paying attention. For the first half of my life Sears was my "go-to" store for just about everything- clothing, housewares, I had nothing but Kenmore & Craftsman, didn't even shop elsewhere. After bad experiences, first ...
by gd
Wed Sep 26, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1516

Re: Does health insurance cover hearing aids

My spouse is going through a similar routine; local business ran a local seminar/clinic and said "moderate to severe", booking a followup at their store which, conveniently, sold hearing aids. I insisted on a doctor's visit first which got a "holy crap you've got a lot of ear wax". Well, I'm paraphr...
by gd
Wed Sep 26, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4403

Re: Anyone ever tired of managing hair and consider shaving to go bald

Get it cut shorter and shorter by a pro until they're pretty much just using the same clippers everywhere, then try DIY. The shorter, the easier. Wash your hair immediately before, towel dry and it'll work better because the hair lays more uniformly. You'll need someone else if you want crisp hairli...
by gd
Wed Sep 26, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Monte Carlo Simulation
Replies: 13
Views: 1417

Re: Monte Carlo Simulation

FWIW, OP didn't say that was their plan, just consulted about the math.
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: 1240

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: 4128

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: 7019

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: 12233

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: 354
Views: 38792

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: 2147

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: 3052

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: 71
Views: 5559

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: 4755

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: 6997

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: 1304

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: 9747

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: 925

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: 30310

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: 2015

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: 1473

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: 83956

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: 7890

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: 2542

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: 1517

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: 66
Views: 8617

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.