Search found 1405 matches

by gd
Tue Nov 27, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9252

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: 9252

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: 1805

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: 9252

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: 9252

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: 1969

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: 2648

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: 3680

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: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 55
Views: 7928

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: 29621

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: 2766

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: 3375

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: 2354

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: 4758

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: 10116

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: 114
Views: 14158

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: 9472

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: 5363

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: 5806

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: 6795

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: 919

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: 3002

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: 2513

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: 7646

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: 2875

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: 4337

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: 851

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: 855

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: 612

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: 612

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: 1992

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: 3675

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: 15689

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: 1547

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: 4465

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: 1512

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: 1245

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: 4420

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: 7102

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: 12999

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: 553
Views: 60515

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: 2183

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: 3087

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: 5667

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: 4809

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: 7048

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: 1343

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: 9946

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: 1158

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.