Search found 215 matches

by Zapped
Fri Oct 07, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: How to spend a Saturday in Helsinki
Replies: 14
Views: 1548

Re: How to spend a Saturday in Helsinki

Good replies from folks who have been there. Just wanted to add that I always like TripAdvisor's "Things To Do" section when I'm visiting unfamiliar cities. Here's the link for Helsinki - https://www.tripadvisor.com/Attractions ... simaa.html
by Zapped
Tue Sep 15, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: McDonald's has good coffee: McDonalds has Senior Coffee
Replies: 92
Views: 15324

Re: TheGreyingDuke

Darker roast coffee also has lower acid content. So folks who think they're helping their acid reflux by drinking lighter coffee actually have it exactly backwards. One of the darkest roast coffees in the world, Sumatran, has the lowest acid content of all. Hi Rupert - I'm not a coffee snob & I...
by Zapped
Fri Aug 28, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Garmin maps for Italy?
Replies: 18
Views: 3722

Re: Garmin maps for Italy?

I find Nokia's Here navigation app excellent for Europe. You can easily download and store the maps ahead of time. One of the best things about owning a Windows phone are the excellent free Nokia apps. Recently Here has also been made available and free for Android and Apple. Thanks so much, @Puaki...
by Zapped
Fri Aug 28, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Garmin maps for Italy?
Replies: 18
Views: 3722

Re: Garmin maps for Italy?

OpenStreetMaps is a project assembling high quality routable maps for the entire world. I routinely use these maps with my cycling-specific Garmin computer as well as an older Garmin that doesn't have lifetime U.S. maps. You can absolutely use this excellent service for getting around Italy without...
by Zapped
Tue Jul 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Update on Brooks Saddle
Replies: 3
Views: 909

Re: Update on Brooks Saddle

@LifeIsGood - rather than starting a new thread, it would be best to reply to your own thread from Dec 2014.
by Zapped
Tue Jun 30, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: Will you pay to not have ads?
Replies: 35
Views: 3988

Re: Will you pay to not have ads?

I willingly pay $38 a year for my ad-free Pandora radio subscription! Not to hijack the thread, but @bklyn96 could you let us know how to get Pandora for $38/yr? I was paying $36/year for a few years until spring of 2014 (not this year, last year) when Pandora abolished annual subscriptions and jac...
by Zapped
Fri Jun 26, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 3316

Re: Google Map: How To See Traffic Far Away

GOT IT! Thank you so much! It works! Hi Leesbro63 - even though you seemed satisfied with the replies, I didn't notice anyone pointed you to the "arrive by" & "depart at" features that use typical traffic information. Since Google can't predict the future (yet), this is what...
by Zapped
Sun Jun 14, 2015 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: just widowed
Replies: 21
Views: 5139

Re: just widowed

Condolences on your loss. You mentioned that you "know the retirement account is way too much in bonds" but you didn't say that you had a particular stock/bond ratio in mind across all of your accounts. If I'm adding up your accounts correctly, of your $1.26M in investable assets, roughly ...
by Zapped
Sun Jun 14, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 10804

Re: Do I need to keep my landline number?

If you'd like your old landline number to still exist so that folks that you do business with can reach you without you having to contact them all to inform them of a new number, you have a pretty simple option. Because you ported your old landline number to Straight Talk for use on your current VoI...
by Zapped
Wed Jun 03, 2015 6:24 am
Forum: Personal Consumer Issues
Topic: Recommendations for a Pedometer
Replies: 22
Views: 2479

Re: Recommendations for a Pedometer

Thanks for all the suggestions. I would prefer a pedometer I could wear, something like a wristwatch, as opposed to a pocket-type pedometer. I'm not following the technology closely, but I think pedometers are typically mounted at the beltline because it's easier to set up an internal spring-and-pe...
by Zapped
Mon Jun 01, 2015 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Net worth of 85k at age 21
Replies: 13
Views: 2764

Re: Net worth of 85k at age 21

It seems a few people have mistaken my words as cocky, or over confident. : <trim> Sorry for the long off topic post, but I felt that it was needed. I am still open to investment advice. Lol @stevblev - let me add my congratulations and a warm welcome to the forums. You composed a very articulate r...
by Zapped
Fri May 29, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: What am I doing wrong ?
Replies: 39
Views: 5168

Re: What am I doing wrong ?

I didn't see how to attach a spreadsheet so here's a screenshot of the budget forecast before and after Medicare. m That's a really nice spreadsheet itemizing planned expenses, with the three low/medium/high spending options. Although your pets may differ in their opinion of the "silver" ...
by Zapped
Fri May 22, 2015 7:53 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 13010

Re: Not your father's Total Bond Market Fund anymore

I know those graphs show different time frames, but for the years that are the same, 2009-current, why does the 1st graph show Term outperforming Total and the opposite on the 3rd. Orange above blue in 1st and opposite in 3rd? Why the reverse on the graph? It's the graphs I don't understand. I thin...
by Zapped
Fri May 22, 2015 2:31 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 13010

Re: Not your father's Total Bond Market Fund anymore

To start, just looking at 1st and 3rd graphs.... Aren't they comparing the same 2 funds over roughly the same time period? If so why does the Term bond fund (orange line) show more growth than Total bond fund (blue line) in the 1st, but in the 3rd graph it looks like the reverse is true. I'm just l...
by Zapped
Fri May 22, 2015 1:01 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 13010

Re: Not your father's Total Bond Market Fund anymore

@Doc - the month-by-month, three-year-rolling-average chart you presented just makes my head hurt. I feel like I've stumbled into a technical analysis meeting and I'm being pummeled with candlestick charts that contain curious patterns I'm not sure I believe. For me, it's simple. Total return. For s...
by Zapped
Wed May 20, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Need Budgeting Help ASAP!
Replies: 42
Views: 3981

Re: Need Budgeting Help ASAP!

... It is nearly impossible to figure out what food costs. I think going out for dinner and drinks aka my social life is what is killing me here. I saw that Grt2bOutdoors suggested you buy a pad and write down what you spend money on every day, but I'm sure you'll find that tedious. How is it impos...
by Zapped
Wed May 20, 2015 9:58 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 12942

Re: What's so great about simplicity?

For what it's worth, when he was the Fed Chairman, Ben Bernanke had to reveal all his accounts. His retirement account is at TIAA CREF. He was still at 50% TIAA Traditional, 50% CREF Stock, the default for people back a few decades ago when TIAA CREF only had those two funds. I thought what sawhors...
by Zapped
Wed May 20, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 3424

Re: Young And Clueless

I currently have a year left for my BS in business administration and will have about 40k in student loan debt and have 20k left on my car. This paints a different picture. Hopefully the 40K in student debt will be a good career investment for you, but the car loan probably wasn't the best idea. Th...
by Zapped
Mon May 18, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Young And Clueless
Replies: 28
Views: 3424

Re: Young And Clueless

Hi andrew928 - you may be (pleasantly) surprised how many seasoned investors (ok, "older") welcome your opening line here. You wrote that after receiving a 50% increase in salary at age 21 you " figured now would be the best time to start planning for retirement and get ahead of the g...
by Zapped
Sun May 10, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 6549

Re: Should I buy a lighter bicycle or lose body weight?

It's a little surprising to me that folks are unforgiving about a 10lb gain in a year. I don't see any posts saying that ... In offering advice to d_green, I was trying to speak generally about my impression of earlier replies. Not sure how this helps the OP, but since you said you didn't see any r...
by Zapped
Sun May 10, 2015 7:08 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 6549

Re: Should I buy a lighter bicycle or lose body weight?

It's a little surprising to me that folks are unforgiving about a 10lb gain in a year. I'm a 5'11" male in my mid-50s who dropped from 205lbs to 159lbs during 2011, and have stayed at 168-172lbs for the last three years while not being as strict about my diet as I was while losing weight. I cer...
by Zapped
Fri May 08, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ AA Spread Across Multiple Accounts & an Emerging Market fund issue/question...
Replies: 17
Views: 1431

Re: Help w/ AA Spread btw Multiple Accounts & an Emerging Market fund issue...

Niceguy, ... my father generously agreed to give me a 8-year loan for the remaining $140k at only 2.50% interest (a little more than he would get in a 5-year CD, and a little less than I would have to pay for a 15-year mortgage). I have paid off about $18k of the loan so far over the past year. You...
by Zapped
Tue Apr 28, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 185
Views: 16177

Re: engineers - please help with engineering school selectio

Not sure what the benefit of an "honors" program would give him. For engineering majors, 80-85% or so of classes are dictated to you, there is very little leeway in electives selection or options that would, for example, benefit an honors liberal arts major. I mean Physics 101 is Physics ...
by Zapped
Wed Apr 22, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Diversify out of company stock
Replies: 12
Views: 1232

Re: Diversify out of company stock

Thanks Zapped...they are shares, not options and virtually all are long term not short term gains. I (inadequately, I guess) was trying to make clear there is not deadline to sell the stock and that I can weather some ups and downs within normal range. Does that make sense/is that clear? Thanks! Ve...
by Zapped
Tue Apr 21, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify out of company stock
Replies: 12
Views: 1232

Re: Diversify out of company stock

Hi tmsul100. When you started this thread you wrote... I worked for the same company for a long time and accumulated quite a bit of stock through the years. ... but you just added this... The shares are in a personal, taxable account. : There is no expiration on the shares In my limited understandin...
by Zapped
Sun Apr 19, 2015 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Prime assets available in new brokerage account?]
Replies: 12
Views: 1146

Re: Quick technical question about Vanguard website

@petergibbons - the reply from ResearchMed may be correct, but your question made me curious so I just logged into Vanguard to attempt (but not complete) a stock trade. Like you, have a standard taxable mutual fund account and a taxable brokerage account (in addition to a rollover IRA that's not rel...
by Zapped
Sat Apr 18, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Opticians [Purchasing eyeglasses]
Replies: 13
Views: 2076

Re: Opticians [Purchasing eyeglasses]

Going into my local optician yesterday I was offered a price for glass frames of $320 but on the internet at a place called Zenni it costs $19.95 and my optician says bring it in and they will put the lenses in. I'm confused by this - " my optician says bring it in and they will put the lenses...
by Zapped
Tue Apr 14, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 115
Views: 10980

Re: Review my financial health. [Was - Tesla: HELOC vs Loan]

bump, hoping for some followup comments/review of the advice I took from you folks and did not make the silly decision. I re-read this entire thread while saving the mystery of who-bumped-this-old thread for last. For once it was the OP! Welcome back, randombogler. Your original financial info and ...
by Zapped
Thu Apr 09, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Smartphone app to block hundreds of multi-number spam calls?
Replies: 24
Views: 4279

Re: Smartphone app to block hundreds of multi-number spam ca

@Browser - I saw your post yesterday & just caught up on the new replies. I don't see anyone explicitly saying "me too", so I'll add ME TOO! We were discussing this at work the other day. Several co-workers vaguely thought it was illegal to cold-call or spam cell phone numbers, but sai...
by Zapped
Mon Apr 06, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Buy more expensive house to improve financial situation?
Replies: 37
Views: 7270

Re: Buy more expensive house to improve financial situation?

The average London home is worth about 5x what it would have been worth in 1992 -- if I had been buying then. They have been fantastic investments. I had a large gain on a home in Austin TX which I purchased (coincidentally) in 1992 and sold in 2010 to buy a different home locally. But when I compa...
by Zapped
Sun Mar 29, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 5422

Re: Baby Grand Piano

@airahcaz, it seems like you've transitioned in this thread from asking for general advice to specifically questioning the discount versus MSRP for a new Yamaha GC1. I'll be the third person (I think) to recommend you slow down & thoroughly read Larry's Fine's excellent book on piano buying. My ...
by Zapped
Thu Mar 26, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 45
Views: 6301

Re: Graduating Medical Student- Rent vs. Buy in Residency

I like WCI's blog, and agree with him that renting in general is not a good choice for residents . However, nearly every resident in my program has bought a home, which makes me wonder if I'm missing something. @MathKid - not to nitpick, but is the quote where I added boldface a typo? WCI clearly w...
by Zapped
Thu Mar 26, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 3872

Re: How do you store your photos?

Prints from typical mass photofinishers lose much of the information that is in the negatives, and are nowhere nearly as good as the images that you can produce by scanning the negatives directly. I found this out when I started scanning my old negatives years ago. What scanner did you use or would...
by Zapped
Wed Mar 25, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 7715

Re: Google voice

@toofache32 - I don't remember when it was added, but Hangouts has supported sending photos for a while. Works regardless whether you're remaining in the google ecosphere (i.e. chatting directly with another gmail user) or sending traditional MMS to a mobile phone. @Browser - yes, Google has changed...
by Zapped
Wed Mar 11, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 7022

Re: Fly or drive?

These cost estimates can't really be applied to a single trip, though. They include lots of costs that don't change if I decided to fly instead, like insurance, license and taxes, etc. In that quote I infer that you don't like including fixed costs "to a single [car] trip". It's correct t...
by Zapped
Wed Mar 11, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 7022

Re: Fly or drive?

Several replies debated whether the IRS reimbursement rate accurately reflected driving cost. Unless I missed a key reply, I didn't see any detailed calculations or sources cited. So here's a source: each year AAA produces a guide which calculates the cost-per-mile of driving various size vehicles. ...
by Zapped
Sat Mar 07, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 3872

Re: How do you store your photos?

Several replies imply that folks are scanning prints. That's like making a photocopy of a photocopy. Take the negatives and slides to a scanning service - my local Costco did a fantastic job on my many hundreds of negatives and slides from the pre-digital era.
by Zapped
Mon Mar 02, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: HR Block Backup (on Mac)
Replies: 2
Views: 513

Re: HR Block Backup (on Mac)

Another complaint about H&R Block backup failing on Mac OSX from early February was the first item a Google search returned for me. Why not just save your return and pdfs in the place you currently use to store all of your electronic data (e.g. a cloud service, an external drive you store in a s...
by Zapped
Mon Mar 02, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of NSF REU undergraduate research stipend
Replies: 12
Views: 5404

Re: Taxation of NSF REU undergraduate research stipend

Zapped, it does not work that way. If you provided over 50% of the support, you are the only one eligible to claim the child. The child is not eligible to claim him or herself, regardless of whether or not you claim him or her or not. I don't mind being wrong, but please explain what you're saying ...
by Zapped
Mon Mar 02, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of NSF REU undergraduate research stipend
Replies: 12
Views: 5404

Re: Taxation of NSF REU undergraduate research stipend

During the first year it mattered one way or the other with my sons, I ran two tax scenarios - the first assuming I'd continue to list my son as a dependent, and the second assuming he wasn't. With tax software it was pretty easy to generate the four different returns (two versions of our joint retu...
by Zapped
Fri Jan 09, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 89
Views: 13998

Re: Can I retire early? 38 y/o

Congratulations on cashing out of your business and amassing a nest egg of $3.8M in cash after taxes! If you're haven't already do so, you can run your scenario through online retirement calculators like Firecalc or the retirement estimator at Fidelity Investments. You don't mention your spouse's in...
by Zapped
Thu Jan 08, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds, are they worth it?
Replies: 11
Views: 1515

Re: Bonds, are they worth it?

oh I wasn't referring to bond fund, I was thinking of individual bonds. didn't even know bond fund existed lol Here's a good reference on the topic of individual bonds versus bond funds - m On the right side of that wiki page you'll also see links that can teach you more about different types of in...
by Zapped
Thu Jan 08, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Is my HVAC (heat pump) really dead?
Replies: 54
Views: 4820

Re: Is my HVAC (heat pump) really dead?

You can test the hp by putting the unit on cooling and desired temp 3 degrees below current indoor temp. The exhaust air should be warm and the vent air, cold.. itstoomuch suggests that you run your HVAC system in AC (cooling) mode, not heat pump mode, for testing. I would NEVER do this with outsid...
by Zapped
Wed Dec 31, 2014 11:16 am
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 5412

Re: Games

Banagrams is great fun for a couple and also accommodates many more players. It's like Scrabble but there's no board and no tile-scoring. Much quicker than Scrabble & the gameplay is simultaneous. Boglehead tip: retails is US$15 ( $US14 at Amazon currently) but I've often seen it in the toy ais...
by Zapped
Wed Dec 17, 2014 11:39 am
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 4486

Re: What desktop should I buy.

Sluggish response aside, there are a lot of hardware issues that can crop up in any laptop more than a few years old. Before you rush back to a desktop, consider buying any inexpensive laptop (or Chromebook) commonly available these days in the $200-$250 range, then set your calendar for 18-24 month...
by Zapped
Tue Dec 16, 2014 10:50 am
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 5586

Re: Need help with men's exercise clothes please

I exercise strenously here in Central Texas and my clothing is soaked more than half the year. Only if it's about 55F or below will I stay dry. The benefit of the tech fibers over cotton is that they aren't quite as heavy/clingy when they're soaked. My most comfortable clothing when it's completely ...
by Zapped
Fri Dec 12, 2014 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What to do with profits: disagreements with partners
Replies: 9
Views: 1278

Re: What to do with profits: disagreements with partners

Hi Thornhill - I'm in my mid-50s but still remember being in my mid-30s with all the usual worries about how my salary compared to the expenses of mortgage, car loans, daily expenses, future college payments, and trying to save for retirement. Are you concerned that your salary is so low that you ca...
by Zapped
Fri Dec 12, 2014 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Your opinion of a Financial Advisor
Replies: 26
Views: 5516

Re: Your opinion of a Financial Advisor

protagonist wrote:Ugh.
So why do you want to do it? Sounds crazy based on your description.


Protagonist - you might not have noticed this is a 5-year-old thread, resurrected by the OP who came back to let us know that he decided not to become a financial advisor and is instead living happily among us as a CPA.
by Zapped
Wed Dec 10, 2014 11:04 am
Forum: Personal Consumer Issues
Topic: Good buy flip phone, smartphone app to talk/sms for free?
Replies: 10
Views: 1259

Re: Good buy flip phone, smartphone app to talk/sms for free

The bigger question, I would like to use my wifi connections if possible to make calls and texts. I have had a Google phone numbers for years, did not use it much. But they have this app that I just loaded on the desktop (Google Hangouts) that appears to work quite well for SMS and Voice. Is this a...
by Zapped
Tue Dec 09, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Instruments and kids
Replies: 31
Views: 2563

Re: Instruments and kids

Great advice! My son is 7 and asked for a drum set for Christmas, so that's his "big gift" this year. You, sir or madam, are a very brave parent. My youngest took up percussion after several years on piano but we made him agree there would never be a drum set in the house. His 1910-era ro...