Search found 1420 matches

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: 28
Views: 1965

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: 658

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 All and only income withdrawn monthly.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: 9519

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: 671

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: 671

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: 571

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: 2977

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: 437

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: 287

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: 575

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: 4445

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: 9519

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: 410

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: 410

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: 9292

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: 9292

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: 1861

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: 9292

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: 9292

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: 1979

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: 2677

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: 3701

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: 8485

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: 222
Views: 29834

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: 2780

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: 3408

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: 2372

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: 4795

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: 85
Views: 10289

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: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 14237

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: 9521

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: 5384

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: 5896

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: 6829

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: 937

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: 3079

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: 2531

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: Non-US Investing
Topic: Who should I believe?
Replies: 48
Views: 7686

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: 2913

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: 4357

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: 861

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: Personal Investments
Topic: Morgan Stanley to Merrill Edge?
Replies: 8
Views: 870

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: 624

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: 624

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: 2026

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: 3702

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: 127
Views: 15764

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: 1555

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...