Search found 386 matches

by tinscale
Thu Oct 11, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6620

Re: Larry Swedroe: Why Emerging Markets Matter

Mr. Swedroe's next post should be interesting:

"In my next post, I'll examine the evidence on whether active management is the winning strategy in emerging markets."
by tinscale
Thu Oct 11, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6620

Re: Larry Swedroe: Why Emerging Markets Matter

Bogleheads: Vanguard Total Stock Market Index Fund contains: 20.60% Emerging Markets 42.50% Europe 29.60% Pacific 0.40% Middle East 6.60% North America 0.30% Other Strive for simplicity (read link below). Best wishes. Taylor I had no idea that TSM was so underweighted in North America! That seems l...
by tinscale
Thu Oct 11, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8473

Re: What did you buy today

Nothing. I had gotten out and been on the sidelines for about 45 days and put 1/2 back in on Oct 4 when the DJIA was down about 300 pts and the rest in on Oct 5 when it was down another 300 pts. Who would have guessed? :oops:
by tinscale
Thu Oct 11, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 68
Views: 4034

Re: Anyone here major in Economics in college?

I began my federal career as an architecture/engineering technician and after I got by my BA in Economics moved into program and policy analysis. I did a lot of different things that drew on the thought processes I learned in Econ, but actually did economics work only for a couple years doing cost-b...
by tinscale
Wed Oct 10, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8550
Views: 1672749

Re: Stocks tumbling?

What goes up must come down Spinnin' wheel got to go round Talkin bout your troubles, it's a cryin sin Ride a painted pony,let the spinnin' wheel spin Name that band...? I set it and forget it...and listen to some tunes. rockon 8-) Blood Sweat and Tears :beer Name this one: You say that money isn’t...
by tinscale
Wed Oct 10, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8550
Views: 1672749

Re: Stocks tumbling?

Deleted
by tinscale
Thu Sep 06, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Need Help, Dummy Buying A Car!
Replies: 21
Views: 1405

Re: Need Help, Dummy Buying A Car!

If there are any reputable repair shops in your area that have a bunch of cars outside, see if they have any to get rid of. Some of those cars could be from customers who abandoned them/didn't pay the repair bill. If the place is reputable, talk with the owner and they can maybe hook you up.
by tinscale
Fri Aug 03, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5095

Re: Which diet soda pop do you enjoy?

tinscale wrote:
Fri Aug 03, 2018 7:06 pm
Coke Zero (now Coke Zero Sugar), caffeine-free. It's the only diet soda that to me does not taste oversweetened.
Edited to add "caffeine-free"
by tinscale
Fri Aug 03, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5095

Re: Which diet soda pop do you enjoy?

Coke Zero (now Coke Zero Sugar). It's the only diet soda that to me does not taste oversweetened.
by tinscale
Wed Jul 18, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 4328

Re: Selling mom's house

Sell sis your share and give her $5 grand. Then say adios and have nothing at all more to do with the house or sis.
by tinscale
Wed Jul 18, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 4108

Re: Did I get ripoff by this car mechanic?

Go here and put in your year, make, model, and zip code, etc., to get a rough estimate: NAPA Auto Repair Estimator

Just a straight intake manifold gasket replacement, with no diagnosis, etc., is $213-310 in my zip code near Charlotte NC.
by tinscale
Fri Jun 29, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4288

Re: Best way to clean eyeglasses?

Regular soap and water in the bathroom sink every morning, dried with a cotton hankerchief.
by tinscale
Fri Apr 27, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 7409

Re: Who benefits from "best and final offer" on condo?

In auctions, it's wise to pre-establish the max you are willing to pay for an item, and not let the heat of the bidding get you to go above it. That max is your best and final. On eBay for example, with an auto-bidding program, you carefully set your max bid and go away. If the bidding doesn't exce...
by tinscale
Thu Apr 26, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 5177

Re: HOA won't help.

I'm an HOA board member. I would send a certified letter to the management company notifying them of what you believe to be either an unsafe condition or a violation of the community standards. Keep a copy of the letter and a record that it was delivered. Whatever happens after that is on them and t...
by tinscale
Thu Apr 26, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11221

Re: How did you tell the boss you're leaving/retiring?

I worked with the personnel dept first to figure everything out, including the timing of when. In the Fed govt and there are known "best days to retire" to maximize benefits. Once I decided, I just went in to our usual morning BS session and told her I decided to retire. I gave somewhere around 2 mo...
by tinscale
Thu Apr 26, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 7409

Re: Who benefits from "best and final offer" on condo?

In auctions, it's wise to pre-establish the max you are willing to pay for an item, and not let the heat of the bidding get you to go above it. That max is your best and final. On eBay for example, with an auto-bidding program, you carefully set your max bid and go away. If the bidding doesn't excee...
by tinscale
Thu Apr 26, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 7524

Re: Learning to drive stick

I've been able to drive a stick since 1969. I have a 6-speed now. Yes, you can learn the basics in a couple hours. Going up in gear is easy, downshifting or stopping when an unexpected situation occurs requires is a little harder and requires more finesse. Like, when the car in front doesn't go as y...
by tinscale
Wed Apr 04, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 6242

Re: How did you file your income taxes?

IRS's Free File Fillable Forms and North Carolina fillable pdfs mailed in. IRS notified me of a "miscalculation" in my taxable SS benefit (my error) and I sent them some cash. Surprisingly, when I could not find the error they found, I called and got a rep pretty fast and we went through the SS Bene...
by tinscale
Wed Apr 04, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 2868

Re: Escaping TD Ameritrade

I was with Scottrade and now TD, and other than being different, I haven't had any problems at all or observed what others are talking about. I only trade etfs. In several accounts I sold etfs and then immediately bought others based on the cash balance TD said was in the account after the sale. I d...
by tinscale
Tue Apr 03, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 8027

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

My asset allocation is around 60% equities and 40% fixed income. I simply sell fixed income and buy equities. If I need to go the other way, I sell equities and buy fixed income. It is pretty simple to do that. Does that help? This^^^ except you can't do it if your fixed income allocation happens t...
by tinscale
Tue Apr 03, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 8027

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

My asset allocation is around 60% equities and 40% fixed income. I simply sell fixed income and buy equities. If I need to go the other way, I sell equities and buy fixed income. It is pretty simple to do that. Does that help? This^^^ except you can't do it if your fixed income allocation happens t...
by tinscale
Thu Mar 22, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28600

Re: Anyone Deleting Facebook?

I got an account mainly because more than a few companies, organizations, clubs, government departments, etc., use it as their official channel of communication with the public, often in lieu of a website. I use it to find out what's going on in our neighborhood and surrounding community. Our HOA us...
by tinscale
Tue Mar 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

Interesting. As an experiment, I turned on "hardware acceleration" here, and it did not seem to make any difference in how the Ally site behaves. So I'm not sure what to make of that. I wonder if this might be relevant? http://superpctricks.com/chrome-keeps-freezing-windows-10-fix My machine has an...
by tinscale
Tue Mar 13, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

:!: SOLVED :!:

I turned off "hardware acceleration" in Chrome and Ally now loads. Hopefully that won't result in other issues popping up elsewhere.

Thanks to everyone for all the suggestions!

:sharebeer
by tinscale
Mon Mar 12, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

oldcomputerguy wrote:
Mon Mar 12, 2018 6:50 pm
If you get really frustrated, you might try as a last resort uninstalling and reinstalling Chrome. It may not be an Ally issue, there might be something borked in your browser that some content or other in the Ally site causes to manifest.
Thanks. Just did this as well. Same issue.
by tinscale
Mon Mar 12, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

I installed a Javascript error detector extension and it did not detect any errors. Then I uninstalled it.
by tinscale
Mon Mar 12, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

Tried all the above just now, turned off all extensions, tried incognito, new login page. Will investigate Java script next.

Chrome is Version 65.0.3325.146 (Official Build) (64-bit)
by tinscale
Mon Mar 12, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 2351

Can’t Login to Ally Bank with Chrome, Firefox works Fine

Was fine for a couple years until about a 5 weeks ago. The login executes but the 1st page after the login (the dashboard) freezes and stops responding. I’ve corresponded with Ally twice about it. The first time I informed them of the issue. Their response was to tell me to make sure I was using the...
by tinscale
Wed Mar 07, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 15758

Re: HSA family max contribution lowered to $6850 for 2018

Pretty easy a couple of years ago to request a refund of excess contributions with Aetna's HSA. No fee then, don't know about now.
by tinscale
Mon Mar 05, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1573

Re: Bailey Settlement question -- of interest only to NC residents

I don’t know what I was thinking. The TSP is NC tax exempt - not Federal. I’m fine with paying NC income tax on the amount of my RMDs that end up being taxable, in order to avoid my daughter having to pay Federal tax on the entire lump sum.
by tinscale
Sun Mar 04, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1573

Re: Bailey Settlement question -- of interest only to NC residents

retiredjg wrote:
Sun Mar 04, 2018 7:36 pm
First, you have to be sure you are covered under the Bailey decision.
Figured that out before I moved here from Virginia - retired CSRS fed. :D
by tinscale
Sun Mar 04, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical"?
Replies: 24
Views: 3193

Re: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical

They are similar offerings from different investment companies - not identical because of the different indexes and # of stocks - but substantially identical in my opinion.
by tinscale
Sun Mar 04, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle state taxes for resident who worked out of state
Replies: 5
Views: 527

Re: How to handle state taxes for resident who worked out of state

My quick read of the 2 states instructions are that he files in Ohio as a non-resident, and files in Maryland as a resident. On line 24 of the Maryland Form 502, he gets credit for taxes paid to Ohio. Looks like he may have also to file some sort of non-resident affidavit in Ohio.
by tinscale
Sun Mar 04, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1573

Re: Bailey Settlement question -- of interest only to NC residents

Very glad I read this thread because I had no idea my TSP distributions would be non-taxable. But, now I have to rethink the "upon my death instructions” to my wife. The current instructions are to roll the TSP into her IRA asap, so her beneficiary (our daughter) does not have to withdraw the TSP ba...
by tinscale
Thu Mar 01, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSN for 1099 to receive interview travel re-imbursement
Replies: 22
Views: 1607

Re: SSN for 1099 to receive interview travel re-imbursement

Job search expenses are no longer deductible starting in 2018.
by tinscale
Thu Mar 01, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9307

Re: Physical cash

I only use cc's, but carry a $20 in the wallet just in case. Keep $800-1,000 at home for when the electric power and cc machines go out.
by tinscale
Tue Feb 20, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12036

Re: Do you wear a wedding band? [at a job interview]

My opinion: If you normally wear one - wear it, if not - don't. If my marital status affects the hiring decision, then that is someone I don't want to work for.
by tinscale
Wed Jan 17, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 12019

Re: Besides Bogleheads, What Are Your Favorite Forums?

sigforum.com, for all things gun related, and more.
by tinscale
Tue Jan 02, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD - No Penalty CD Help/Advice Needed
Replies: 30
Views: 4469

Re: Ally CD - No Penalty CD Help/Advice Needed

I opened (renewed) a No Penalty CD in August for 11 months at 1.55 apy and closed it on 12/28 and immediately bought a 12-month High Yield CD @ 2% apy. No issues at all.
by tinscale
Mon Jan 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2234

Re: Lost about $100 due to shipping issue?

I disagree with "student" if student is suggesting to dispute the $100 Guess charge. You have no dispute with Guess (at this point). From the Guess website: "We are not responsible for items lost in the mail." If you used a credit card with UPS/USPS, you can perhaps dispute the shipping charges once...
by tinscale
Wed Nov 01, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 23226

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. If you use GEHA as a backup to Medicare, would not HDHP be less expensive as the backup? Victoria GEHA HDHP is d...
by tinscale
Mon Oct 30, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1667

Re: Storage Recommendations for pictures

Google Photos - You have to select the "High Quality" option and not "Original" to get free unlimited storage. High quality compressed the resolution to 16MP, which should be fine in most cases. You can read more about it if concerned.
by tinscale
Wed Jul 12, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 17996

Re: Ally Bank - Savings Account Rate Increased!

The interest rate is 1.14%, it's the APY that's 1.15%. :wink:
by tinscale
Tue Jul 04, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 20537

Re: Bogleheads: you should be buying 10-year old cars

FYI, from CNN Money July 4, 2017 Link "Car buyers are going deeper into debt and for longer periods of time as they reach to buy more expensive new cars. The average car loan last month stretched out for 69.3 months, or nearly six years, according to Edmunds.com. That's the longest average loan term...
by tinscale
Tue Jul 04, 2017 6:00 pm
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: 13798

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

I use LastPass but all websites, accounts, user names, passwords, and security Q+As are written down in an 8-page folder.
by tinscale
Sat Jun 24, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 2315

Re: American Airlines double charged me!

Personally, I wouldn't dispute a charge that the other party has already agreed to reverse.
by tinscale
Sat Jun 24, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 15715

Re: Amazon Buys Whole Foods

The local Harris Teeter here on the outskirts of Charlotte has a pretty brisk order online/pickup in car business, so it seems quite a few folks don't mind having someone else pick out their the groceries. I've also seen the order pickers picking groceries. They pretty much grab what's there and don...
by tinscale
Tue Jun 13, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 4438

Re: Auto-Debit May Not Be Such a Good Idea

An additional potential problem with bank push vs. payee pull that if there is a glitch and the payment doesn't happen, you are not responsible if it is a payee pull (unless you had insufficient funds).
by tinscale
Tue Jun 13, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: condo maintenance - AC unit
Replies: 2
Views: 788

Re: condo maintenance - AC unit

Maybe the coils were filthy. There are 2 coils. The coils inside absorb heat and humidity from inside your space, and the coils outside expel the heat. Both need to be clean in order to work properly, effectively, and efficiently. They do get dirty. https://energy.gov/energysaver/maintaining-your-ai...
by tinscale
Tue Jun 13, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 5075

Re: Got a parking ticket - what to do?

jebmke wrote:Someone probably just took their ticket and put it on your car. I would ignore it.
No. The trick is to take a ticket from another car and put it on your car, so the ticket writer sees you already have a ticket and passes you by. :beer