Search found 241 matches

by CrossOverGuy
Sat Apr 27, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 59
Views: 5724

Re: How to buy a mattress

I recently bought an Avocado Mattress with pillow-top. It had been highly recommended in Consumer Reports, especially for side sleepers, which I primarily am, though I also sleep on my back. These were very highly rated non-foam mattresses. I live not too far from their showroom in Hoboken, so I wen...
by CrossOverGuy
Fri Apr 26, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Pendency of Class Action
Replies: 11
Views: 1357

Re: Notice of Pendency of Class Action

I'm still waiting on one for tunafish that I put in years ago from (I think) Starkist which apparently was going to result in some free cans of tuna fish (or coupons), but I still haven't heard back from them.
by CrossOverGuy
Fri Apr 26, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Notice of Pendency of Class Action
Replies: 11
Views: 1357

Re: Notice of Pendency of Class Action

I got these notices, too. I understand that since I haven't filed a claim under SquareTrade's policy, I don't need to apply for apply for some sort of reimbursement. But, is my policy, which I bought off Amazon and extends for another 3 years, still good apparently then if something should happen to...
by CrossOverGuy
Sat Feb 09, 2019 6:39 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5618

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

No, I'm saying that if a total at retirement Roth IRA is 250K (assuming it grew to that, the contributions were significantly lower), that $250K Roth might be equal to a $400K Regular IRA or 401(K) (again with a much less contribution rate, having grown over the years). Yet distributions will be tax...
by CrossOverGuy
Sat Feb 09, 2019 3:18 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5618

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

Unless the way things are taxed changes (which might be an argument for having both regular IRAs and Roths), I think Roths might be better in the long run. Say for instance you had saved $250K in a Roth by the time you retired; that would be about the equivalent of having approximately $400K in a re...
by CrossOverGuy
Fri Dec 21, 2018 8:56 pm
Forum: Personal Investments
Topic: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?
Replies: 7
Views: 586

Re: VG Wellington in 401k - Dec. 2018 Distribution Breakdown ?

To look on the positive side of recent developments, with the stock market going down, it will most likely buy more shares for a cheaper price when funds do their distributions this month than they would have before the downturn. Hopefully at some point the market will recover and these extra shares...
by CrossOverGuy
Thu Dec 13, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1290

Re: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

But will 5G be a cheaper but more advanced technology that will allow savings to be passed on the consumer by allowing lots more competition for the service to be offered by more providers?
by CrossOverGuy
Thu Dec 13, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1290

Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

on internet service so that we can watch movies, shows, sports, etc. without having to deal only with the current 1 or 2 internet provider choices? In NYC, I think it's mainly Spectrum (formerly Time Warner) or Verizon Fios, both of whom don't want to lower their prices for internet alone even if yo...
by CrossOverGuy
Mon Aug 27, 2018 12:15 pm
Forum: Personal Investments
Topic: Fidelity Duplicate Funds Now That There Are No Minimums
Replies: 33
Views: 2901

Re: Fidelity Duplicate Funds Now That There Are No Minimums

Does this mean that Fidelity will eliminate the fee that it charges on a set date each year if on that date your balance is less than $10,000 in a Premium account or $2,500 (or was it $3,000) in an Investor Account? I had been meaning to reallocate some funds but didn't want to drop below a certain ...
by CrossOverGuy
Tue May 08, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 26663

Re: most compelling TV character ever

Livia, probably the greatest tv villainess ever, on "I, Claudius" as played by Sian Phillips. Claudius, as played by Derek Jacobi, was a wonderful character as well. I loved Sarah, who really found her niche as a more theatrical kind of person, and who was neither upstairs nor downstairs on "Upstair...
by CrossOverGuy
Mon Apr 16, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: "The Only Investment Guide You'll Ever Need" Kindle daily deal
Replies: 16
Views: 3929

Re: "The Only Investment Guide You'll Ever Need" Kindle daily deal

It's a good book - well-written and even very funny in parts. (Come on, WIllow!!!!). Mr. Tobias addresses the issue of the book's title in the text; it was his editor's and/or publisher's insistence that he use it; plus the book became a best-seller in multiple editions, so it stuck. But I have some...
by CrossOverGuy
Fri Apr 13, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154963

Re: What Movie Have You Recently Watched?

I highly recommend an old classic French musical comedy called "Le Million" directed by Rene Clair. It's basically the story of the search and chase for a winning misplaced lottery ticket, but it's so much more. Director Rene Clair (who went on the direct American films like "And Then There Were Non...
by CrossOverGuy
Mon Apr 09, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 3799

Re: Best place to buy a TV

I got a wonderful Samsung 49" 4K TV with HDR from Amazon. I went into Best Buy and PC Richards to check out various tv sets in person a number of times (and at different stores) and to try to decide the best size, picture, etc. I also wanted to inform myself about things like connections for HDMIs t...
by CrossOverGuy
Sun Dec 31, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154963

Re: What Movie Have You Recently Watched?

"The Shape of Water" - wonderful film involving the relationship that forms between a mute cleaning woman and a creature that has been captured from the Amazon and is being held at the governmental institute where the woman works during the Cold War period around 1962 or so. It's a combination fanta...
by CrossOverGuy
Sun Dec 31, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 17
Views: 2583

Re: Costa Rica

I love Costa Rica -- beautiful country with friendly people on the whole and lots to see. First time I went I was with Caravan Tours which used to go into the jungle to see where the turtles lay their eggs. I think that area (Tortuguerro) became less safe because of poachers, so they no longer go th...
by CrossOverGuy
Mon Dec 04, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 93
Views: 17836

Re: Bitcoin: The worst investment in 2014

I remember during the 1999-2000 DotCom run-up that so many people would invest in nearly anything that had .com in it. I kept asking myself, what do these companies actually produce, and what kinds of earnings have any of them actually made. I stayed away from any pure tech stocks and funds and am h...
by CrossOverGuy
Fri Nov 10, 2017 1:47 am
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1551

Re: Benefits at 55

T-Mobile has unlimited phone, text and data for 55 and over -- including all taxes and fees, it is $50 for one person, and $60 for two lines.
by CrossOverGuy
Thu Apr 20, 2017 10:45 am
Forum: Personal Investments
Topic: Vanguard Mid-Cap Value Index Fund Admiral
Replies: 12
Views: 2220

Re: Vanguard Mid-Cap Value Index Fund Admiral

I switched some assets to this fund recently from an active fund which targeted a similar part of the market, Fidelity Low-Priced Fund. This had a terrific record over the long-term (and I held it 10+ years); it had the same manager, Joel Tillinghast, all that time. But I noticed that the last numbe...
by CrossOverGuy
Tue Apr 11, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3792

Re: Windows-10 "upgrade" coming April 11. What to disable?

I had a lot of problems when I went from Windows 7 to Windows 10, including having to contact my computer maker, also Microsoft, and my anti-virus maker, etc. Fortunately, I had backed up my documents to an external hard drive, but I had to put my computer back to out-of-the box condition using rest...
by CrossOverGuy
Fri Mar 24, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Taxes] Can we deduct music lessons cost for child in New York State?
Replies: 13
Views: 2631

Re: [Taxes] Can we deduct music lessons cost for child in New York State?

If your child made money performing as a pianist, then you could deduct lessons. But not until, so lessons preparing the child for a new career wouldn't qualify until they actually had income in the music field. Otherwise, it's considered a hobby. Perhaps if lessons were taken for college credit, in...
by CrossOverGuy
Sat Feb 11, 2017 3:46 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 54317

Re: Your USER NAME...what does it mean?

No, I don't own or drive crossover vehicles; I haven't even driven very much since getting my license many years ago. Living in a big city, it's almost as expensive as renting another apartment as it is to rent a parking space. Actually, a crossover artist is one who sings opera and can also do musi...
by CrossOverGuy
Tue Jan 24, 2017 7:51 pm
Forum: Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1684

Re: Beside margin, any other investment where you can lose more than you invested?

I suppose also real estate when you rent to people who don't pay their rent or try to become squatters, or if you can't find renters to help you cover your mortgage would also qualify.

Thanks to those who have responded thus far.
by CrossOverGuy
Tue Jan 24, 2017 5:57 pm
Forum: Personal Investments
Topic: Beside margin, any other investment where you can lose more than you invested?
Replies: 17
Views: 1684

Beside margin, any other investment where you can lose more than you invested?

Besides what you invested, perhaps losing more like what has accrued in your account if you had done well and then the market tanked. For instance, I know that if you have a margin account and you've bought stock on margin, that if the stock market tanks you could get a margin call and basically be ...
by CrossOverGuy
Sun Jan 08, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 8208

Re: Best printers for home use

From recommendations here, I checked out and bought a Brother inkjet - Model MFC-870DW a couple of years ago. I think it's an excellent all-in-one, and it doesn't go through ink so fast and expensively as my previous HP did. Among the things I like about it: it has 4 separate ink compartments for bl...
by CrossOverGuy
Wed Jun 01, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 15160

Re: Would you pay 6x face value to see Hamilton on Broadway?

Lin-Manuel Miranda has had an alternate who plays 1 or 2 performances a week as well as being his understudy (including the performance President Obama attended). The word around Broadway circles is that he's a much better performer and singer than Miranda; his name is Javier Munoz, and he'll be tak...
by CrossOverGuy
Fri Apr 08, 2016 12:01 pm
Forum: Personal Investments
Topic: Those four sweetest words ...
Replies: 31
Views: 3903

Re: Those four sweetest words ...

You're broke, Donald Trump.
by CrossOverGuy
Thu Feb 11, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: TCM now available for $5 more on Sling TV
Replies: 2
Views: 1148

TCM now available for $5 more on Sling TV

For potential cord-cutters: I just learned recently that Sling TV has a tier I think called "Hollywood Extra" which includes Turner Classic Movies. Since I'm not a big sports person, but am into films, especially classic ones, I thought I'd point this out to people thinking of cutting the cord who a...
by CrossOverGuy
Sun Jan 24, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 2871

Re: New Amazon Prime Member w/streaming - need recs

"Six Feet Under" - I just rewatched this series after having seen its initial run over 10 years ago. One of the best drama series (with some comedy) I've ever seen, with every episode consistently very high quality and one of the finest series finales ever. A family who run a funeral home coping at ...
by CrossOverGuy
Wed Nov 25, 2015 5:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 806
Views: 152778

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Do you think maybe Vanguard has some disgruntled former accountants? I'm not sure if accountants have any kind of confidentiality agreement like attorney-client privilege, but any such accountant could have signed some sort of legally binding non-disclosure agreement with Vanguard at some time duri...
by CrossOverGuy
Mon Sep 28, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1337

Re: Products most likely to increase with inflation

"swamp-cooler"

That apparently increases humidity and attracts mosquitoes, among other things. No thanks. :?
by CrossOverGuy
Mon Sep 28, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Products most likely to increase with inflation
Replies: 22
Views: 1337

Re: Products most likely to increase with inflation

I rather wish someone could invent an air conditioner that didn't use so much electricity to run it. I cut back using them significantly over the summer, but even with models that allow you to control the temperatures, you would think that by now someone had modified them so they don't use so much e...
by CrossOverGuy
Thu Sep 17, 2015 7:18 pm
Forum: Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 40
Views: 7154

Re: Anybody else get phone calls from Fidelity?

One guy left a VM then tried again, and I picked up. He offered me something along the line as a free evaluation of my portfolio. I just told him that "I'm happy with what I have. Thanks very much". That meant the phone call was over.
by CrossOverGuy
Sat Sep 05, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Classical Music
Replies: 31
Views: 2665

Re: Classical Music

Try going to a live concert by a symphony orchestra, preferably doing something well-known like a Beethoven or Mozart symphony. It will make all the difference, as most others with different equipment are, after all is said and done, trying to recapture the excitement and artistry of seeing a live p...
by CrossOverGuy
Fri Aug 28, 2015 12:44 am
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 3139

Jonathan Clements left WSJ again back in June

[Thread merged into here, see below. --admin LadyGeek] Apparently he stopped writing columns during his second time there again this past June. But his eponymous website still has links to other articles he has written and his books and other things he is working on. I've been reading his 2015 Mone...
by CrossOverGuy
Wed Aug 26, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: More Proof: The 'Do Nothing' Strategy Works
Replies: 15
Views: 3533

Re: More Proof: The 'Do Nothing' Strategy Works

Isn't today one of those few days that they make tables and studies about over the years saying that if you missed being in the market on certain "up" days your total return would be much less? I'm not quite sure how that works if you are already in the market doing nothing (like I did) though, othe...
by CrossOverGuy
Sun Aug 02, 2015 2:35 pm
Forum: Personal Investments
Topic: Which Vanguard Funds Are Right For Me?
Replies: 12
Views: 1280

Re: Which Vanguard Funds Are Right For Me?

I think you might want to own some bonds, since in case there is a stock market correction, you'll find that generally as stock funds go down, your bonds will either go up a bit or not go down as much, thus acting as a bit of an anchor in troubled waters. No, you won't earn as much in them in a risi...
by CrossOverGuy
Sat Aug 01, 2015 12:19 pm
Forum: Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 523

Re: Vanguard's "consider" tabs in "Portfolio Watch" re: international

Thanks for your reply. I guess they are trying to be helpful, but it is a bit weird to see such a high amount they are suggesting for foreign bonds especially. Perhaps if they said "we recommend a minimum of 20% in foreign bonds" rather than "20% to 50%", I wouldn't have objected to this appearing i...
by CrossOverGuy
Sat Aug 01, 2015 10:45 am
Forum: Personal Investments
Topic: Vanguard's "consider" tabs in "Portfolio Watch" re: international
Replies: 3
Views: 523

Vanguard's "consider" tabs in "Portfolio Watch" re: international

I think this is a cool feature on Vanguard's site, with the ability to some extent see the composition of one's holdings, as well as the average cost of funds held, if one's account is in tax-advantaged funds, using a core of index funds vs. active, etc. It usually gives you an "ok" or a "consider" ...
by CrossOverGuy
Thu Jul 23, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 10424

Re: Greatest money lesson movie

Erich von Stroheim's silent classic "Greed" especially in the restored 4 hour version sometimes shown on TCM hasn't been mentioned. The whole film deals with the corrupting force of gold and money with an unqualified, charlatan dentist and his relationship with his wife who turns into a miser after ...
by CrossOverGuy
Thu Jul 23, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: When and how is the expense ratio of mutual funds deducted?
Replies: 6
Views: 1477

When and how is the expense ratio of mutual funds deducted?

Is it deducted daily after all trades are settled? Annually? When an investor sells their shares or reinvests and buys new ones? When we see the 1, 5, 10 year records of a fund, is this after the expense ratio has been deducted? I've never quite figured out how this important expense is actually ded...
by CrossOverGuy
Tue Jul 21, 2015 12:28 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 80
Views: 11707

Re: Jack Bogle in this Month's Money Magazine

I'll reference a post I wrote several years ago to reply to why I think it's a good idea to have some international diversification. I think it still applies. "Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of different countri...
by CrossOverGuy
Thu Apr 30, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 3349

Re: Advice on trip to Vienna

I haven't been for many years, but some of the best sightseeing in Vienna never changes. The Statsopera, the main opera and other opera houses like the Volksoper (for operetta and lighter works) are wonderful places to take in a performance. There are homes of composers who lived here: so many, in f...
by CrossOverGuy
Thu Apr 30, 2015 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Spendy spouse
Replies: 110
Views: 21072

Re: Spendy spouse

Did you ever see the old film "Dodsworth"? It's a classic about a wealthy industrialist about to retire with a very high maintenance wife who take a trip to Europe. Based upon her conduct there, he starts to open his eyes to her behavior and his and her values. Perhaps you might want to watch the fi...
by CrossOverGuy
Mon Jan 12, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Israel bonds [how to evaluate political risk?]
Replies: 37
Views: 4908

Re: Israel bonds [how to evaluate political risk?]

One point to keep in mind regarding Israeli bonds: how difficult it might be to redeem them. I was executor on a will and had to hire attorneys in Israel as well as my attorney in the U.S. because of all the paperwork needed to cash in these bonds. It got very expensive and took a long time. Maybe t...
by CrossOverGuy
Thu Dec 18, 2014 11:56 pm
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 1363

Re: Vinyl (as in old records)

To some extent, vinyl is coming back -- some current artists are actually releasing albums in that format again. The sound of records is warm and luscious, and there's room for wonderful cover art. Turntables are still for sale, including some which allow you to transfer them to your computer as MP3...
by CrossOverGuy
Sat Nov 08, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15678

Re: What if I Never Buy a House?

We're all really renting for the most part anyway in the larger scheme of things! Though, of course, you might want to pass ownership of a house on to another generation or a spouse. In a house ownership situation your payments are building up equity, whereas rent payments just go to your landlord a...
by CrossOverGuy
Fri Oct 17, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 565

Re: Turning off automatic suggestions for websites in browse

Thanks very much. It worked! Plus I can turn it on and off if I so desire. :D
by CrossOverGuy
Fri Oct 17, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 565

Turning off automatic suggestions for websites in browser?

I would appreciate if someone could tell me how to turn off automatic suggestions for past websites in Firefox. While sometimes it is helpful to be reminded of past places one has visited, I'm finding it is really very distracting when I'm starting to type in a "c" and have listings for Cnn.com, cbs...
by CrossOverGuy
Sun Aug 31, 2014 2:19 pm
Forum: Personal Investments
Topic: Value in Diversifying Across Investment Companies?
Replies: 9
Views: 1192

Re: Value in Diversifying Across Investment Companies?

I think that in a worst case scenario, hearing that say, Vanguard has been hacked and/or you can't log into your account on their website for some reason, you will feel somewhat better if you can still access your Fidelity accounts. Or vice versa. Actually a worst case scenario would be if both were...
by CrossOverGuy
Thu Jul 31, 2014 2:46 pm
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 20848

Re: International investing. A good call by our mentor.

Andrew Tobias in his classic book "The Only Investment Guide You'll Ever Need" makes a really good point. Stock markets of different countries move up and down somewhat independent of each other. A U.S. investor in 1929 who was wise enough to place 50% in foreign stocks would have needed only five y...