Search found 225 matches

by BeerTooth
Thu Nov 01, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4708

Re: GE: We Bring Bad News To Life!

These anecdotes about concentrated risk in your employer's stock reminds me of the stories I heard from Lucent Technologies in Allentown in the early 2000's. A lot of people close to retirement on paper rode that stock all the way down.
by BeerTooth
Thu Sep 13, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2239

Re: Xfinity Mobile ?

Are the ones having success going into the store and getting the sim card there and activating there? I'm 45 min from a store. And I've spent 3 months trying to get the sim card. 5 times now (1 time chatting in, 1 time ordering online myself, 1 time calling in to tier 1, 1 time calling in to a tier...
by BeerTooth
Wed Sep 12, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2239

Re: Xfinity Mobile ?

have any Xfinity Mobile customers figured out a way to read and send text messages via web browser? My office is in a closed areas where no cellphones are allowed, but it would be nice to know when my wife forgets and texts me during the work day
by BeerTooth
Wed Sep 05, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Google's secret deal with MasterCard to buy all your CC transactions
Replies: 25
Views: 3178

Re: Google's secret deal with MasterCard to buy all your CC transactions

But, I have first hand experience with consequences of driving a car on a public road while engaged in a 100% legal activity. My car was photographed with license plate exposed and published on media sites by people who disagreed with my decision to engage in a legal activity and to expose the fact...
by BeerTooth
Thu Aug 09, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2165

Re: Anyone familiar with attic fans?

powered attic ventilator fans are generally considered to be a net drain on energy savings, so a broken one is better than a working one: https://www.greenbuildingadvisor.com/ar ... -they-hurt
by BeerTooth
Wed Jul 25, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3577

Re: Intermittent Fasting

As others have said, IF is healthy, effective for improving blood chemistry, and may offer weight loss or better muscle tone. It can also offer a spiritual component. However. Dieting is a lot like investing. Stay the course... for the rest of your life. Choose to do IF for the next 3-5 decades. Th...
by BeerTooth
Wed Jul 25, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3577

Re: Intermittent Fasting

My wife and I have been on the 5:2 IF diet for ~4 months (See Michael Mosley BBC documentary). I have lost ~10 pounds and she has lost >20 pounds and find it quire easy to maintain. We like not restricting specific "bad" food / food groups. And not having to parcel out willpower 7 days a week. It's ...
by BeerTooth
Thu Jul 05, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Getting an IT security job in Huntsville without a clearance
Replies: 5
Views: 1028

Re: Getting an IT security job in Huntsville without a clearance

The backlog/processing time depends on the level of clearance. Any interim Secret can be granted in a couple weeks, while a Top Secret / SSBI can take 2-3 years. When I started out of grad school (Defense but not IT specifically) I worked on an interim Secret for 6 months until my full Secret cleara...
by BeerTooth
Thu Jun 14, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2564

Re: Learning how to fix/repair things

John Bridge forum is great for ceramic tile work advice: http://www.johnbridge.com/vbulletin/index.php Terry Love forum is the equivalent for plumbing https://terrylove.com/forums/index.php The wealth of knowledge that hangs out there is incredible. Post a clearly-posed question, and some accompanyi...
by BeerTooth
Thu May 03, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4209

Re: Not Wasting Food

In all likelihood, the quickest and most accurate way to evaluate someone's health, without seeing or talking to them, is to look at their garbage can. http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0195405 Come Tuesday night (trash bins are picked up on Wednesday) several of my n...
by BeerTooth
Thu Apr 26, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: An Article Claiming Vanguard Will Be Responsible For The Next Bear Market
Replies: 29
Views: 5070

Re: An Article Claiming Vanguard Will Be Responsible For The Next Bear Market

did anyone else notice that article was written a year ago? April 2017 Check out Author Nostradamus's list of hot stock tips at the bottom: Whirlpool has dropped from $185 to $155 Bed Bath and Beyond has dropped from $40 to $18 and is teetering on the brink of bankruptcy I'll stick with my index fun...
by BeerTooth
Wed Apr 11, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review - where to put my next dollar of savings?
Replies: 15
Views: 1787

Re: portfolio review - where to put my next dollar of savings?

OK, I opened Roth IRAs for my self and wife. maxed 2017 and 2018 contributions ($5500 * 2 * 2) After this is done, next step might be to figure out how much or if all of your 401k should be Roth 401k. For 2018, your child tax credits may double up to 2k each, standard deduction is 24k, no personal e...
by BeerTooth
Mon Apr 09, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review - where to put my next dollar of savings?
Replies: 15
Views: 1787

Re: portfolio review - where to put my next dollar of savings?

OK I'm onboard with two Roth IRAs two questions: 1. looking at the IRA investment options at Ally Bank, all I see are CDs and savings account stuff. Should I be seeing an option with stocks and bonds? 2. Do I open a spousal Roth IRA under my account, or do I need to create a separate Ally Bank login...
by BeerTooth
Fri Apr 06, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review - where to put my next dollar of savings?
Replies: 15
Views: 1787

Re: portfolio review - where to put my next dollar of savings?

thanks for the quick feedback! I will open 2 Traditional IRAs at Ally Bank and contribute $5500 to each before the April 17th deadline for 2017. I used the TaxAct calculator to estimate 2018 federal taxes. Looks to be about $3000. The leaves me with $30,000 savings capacity, with some conservatism. ...
by BeerTooth
Thu Apr 05, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: portfolio review - where to put my next dollar of savings?
Replies: 15
Views: 1787

portfolio review - where to put my next dollar of savings?

Looking for advice primarily on “where to put my next dollar of savings” but I’m open to any feedback, positive or negative. With my most recent raise, I am now able to max out my 401k and HSA for the first time. Should I begin contributing to an IRA…pay down mortgage faster…529 savings for college…...
by BeerTooth
Wed Apr 04, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: NY passes law to get around SALT limit
Replies: 47
Views: 6583

Re: NY passes law to get around SALT limit

An analysis can be found here, prospects dubious: https://taxfoundation.org/new-yorks-new-tax-avoidance-scheme-actually-raise-taxes/ I don't see how this can be discussed in bogleheads given rules on politics and future rules/regulations. NY residents should clearly use some caution until the IRS i...
by BeerTooth
Mon Apr 02, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Auto insurance keeps rising
Replies: 20
Views: 2007

Re: Auto insurance keeps rising

I don't think it has anything to do with the aging of your vehicle- that will actually reduce the physical damage coverage premiums(collision and comprehensive). I would think outside the box( think of companies that handle direct payment and reduce the expense of agents and physical presence). It ...
by BeerTooth
Mon Apr 02, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Auto insurance keeps rising
Replies: 20
Views: 2007

Re: Auto insurance keeps rising

I don't think it has anything to do with the aging of your vehicle- that will actually reduce the physical damage coverage premiums(collision and comprehensive). I would think outside the box( think of companies that handle direct payment and reduce the expense of agents and physical presence). It ...
by BeerTooth
Fri Mar 30, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10367

Re: Resign from job or possible termination

Maybe I'm just cynical, but why don't people just stretch the truth a bit about their current employment situation? If employers truly use it to discriminate against candidates, why give them a reason to reject you? They rarely contact references to verify employment..and if they do, just move on to...
by BeerTooth
Thu Jan 11, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Help with what to do with drafty fireplace
Replies: 26
Views: 1726

Re: Help with what to do with drafty fireplace

Do the air sealing work first - prioritize large leaks, and remember ABC: first the Attic (knee walls), then Basement, then Central living area. You don't have to do the entire project in one shot. Yes the payback is long, but once it's done, it's a totally passive cost savings every year you're in ...
by BeerTooth
Tue Jan 09, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1764

Re: migrating from Chrome to LastPass for password management

I'm on a 30-day free trial for LastPass Premium. What are the features I will lose if I revert to Free after it expires? Those who use LastPass and Chrome, do you leave Chrome password sync and Smart-Lock on, or turn it off? It seems like there is a pop-up dialog to update both LastPass and Chrome b...
by BeerTooth
Tue Jan 09, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 40
Views: 5857

Re: Using LastPass to Manage Passwords

powermega wrote:
Thu Jun 01, 2017 9:51 am
tech_arch wrote:I personally wouldn't login to anything on a device I do not own and control.
This post is worth repeating.
so you NEVER login to any websites on your work computer?
by BeerTooth
Sun Jan 07, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1764

Re: migrating from Chrome to LastPass for password management

hahaha I'll be sure to select a double-super-secret password next time I order pizza! So I'm realizing that the list of supported sites is not all that comprehensive, and subject to the whims of change if these tech companies ever decide they don't want to play nice together (or one of them acquires...
by BeerTooth
Sat Jan 06, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1764

migrating from Chrome to LastPass for password management

I have finally admitted to myself that I have far too many weak and easily-guessed but hard-to-remember passwords I'm looking for advice on how to make this transition as painless as possible I have a TON of saved passwords that are saved in my Chrome browser (Smart-Lock feature) and sync-ed when I ...
by BeerTooth
Sat Dec 16, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 6432

Re: Electric Energy Usage

Those of you claiming that "heat pumps don't work in PA" are referring to woefully outdated information. They absolutely work, and at much colder climates than that. They have > 1 COP down to 10 or 20 degrees below zero. https://energy.gov/eere/buildings/articles/cold-climate-air-source-heat-pumps-i...
by BeerTooth
Thu Dec 14, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Looking for an ultra-simple note taking app (Android)?
Replies: 12
Views: 889

Re: Looking for an ultra-simple note taking app (Android)?

I am moving over to Google Keep after having sync problems with OneNote So far I like it, but I there is one feature I'm missing. I like to insert photos inline with text, as a log/diary feature. When I try to insert a photo in a Google Keep note, it places it at the top of the note, not between lin...
by BeerTooth
Mon Oct 30, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 2539

Re: Buying a Home in a 500 year Flood Plain

IF the flood plan maps are accurate, and there is a 1/500 chance of flooding in any given year, the probability that the home will flood at least once over a 30-year timeframe is about 6% A 100-year flood plain house has about 25% chance of flooding at least once in 30 years http://stattrek.com/onli...
by BeerTooth
Tue Oct 03, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 5049

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Love our Instant Pot. Use it 2-3x a week.

I looked up my receipt from when I bought mine in February 2014 - paid $119.95 and that was a "good deal" back then. Consumer price deflation in action!
by BeerTooth
Sat Jul 22, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3643

Re: Humid basement

those of you using central A/C to dehumidify the basement, what setpoint do you cool to? Most of the summer, my 1st and 2nd floor living areas are pleasant enough in the mid-70s so we leave the windows open for fresh air. The basement is only 65 degrees, but 80%+ humidity if I didn't run the dehumi...
by BeerTooth
Fri Jul 21, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3643

Re: Humid basement

those of you using central A/C to dehumidify the basement, what setpoint do you cool to? Most of the summer, my 1st and 2nd floor living areas are pleasant enough in the mid-70s so we leave the windows open for fresh air. The basement is only 65 degrees, but 80%+ humidity if I didn't run the dehumid...
by BeerTooth
Fri Jul 07, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Reuters Story on Used Car Market
Replies: 19
Views: 2940

Re: Reuters Story on Used Car Market

They don't make 'em like they used to. They make 'em much, much better. Cars are a lot more durable, and a five-year-old car is a lot better, than it was, say, thirty years ago. The improvements in rust resistance alone are almost unbelievable. I happened to be reading one of Harry Kemelman's Rabbi...
by BeerTooth
Wed Jul 05, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 22117

Re: Are you finding any good values at Amazon anymore?

Buy on Amazon for free shipping/no sales tax, then use your credit cards price match feature to get the best pricing. This. There's no way anyone here knows whether all of the prices on Amazon are going up, all of the prices are going down, some are up, or some are down, or whether "good values" ar...
by BeerTooth
Wed Jul 05, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 22117

Re: Are you finding any good values at Amazon anymore?

Buy on Amazon for free shipping/no sales tax, then use your credit cards price match feature to get the best pricing. This. There's no way anyone here knows whether all of the prices on Amazon are going up, all of the prices are going down, some are up, or some are down, or whether "good values" ar...
by BeerTooth
Thu Jun 15, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 8159

Re: Dehumidifier woes

My house (or I should say my brother's I rent at) has a commercial unit connected to the furnace system. It drains into a sink. It is very effective. It seems most portable ones are throw-a-ways and they last about 3 years. The installed unit has had some minor issues but were repaired. Is that a d...
by BeerTooth
Wed Jun 14, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 7261

Re: I'm going to be rich!

I'm curious about the squiggles in the lines. Is Fidelity telling me there will be a significant run-up in asset prices in 2065, followed by 5-years of "flat" growth? Then again in 2075? Remarkably prescient this far out...
by BeerTooth
Tue Jun 13, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 8159

Re: Dehumidifier woes

I purchased my dehumidifier from Bed Bath and Beyond because they have a reputation for a very liberal refund policy. When it fails, I plan to test out that theory
by BeerTooth
Sun Jun 11, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4463

Re: Vue/Sling tv users--what do you miss?

I'm missing the USA/Mexico soccer game right now because I don't pay for the Sports upgrade on Sling. It happens infrequently enough that it's not worth the extra cost to me.

I have an over-the-air antenna for local content.
by BeerTooth
Wed May 17, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 8833

Re: What Will Burst the Next Bubble?

My conjecture: wealth inequality. When the people on the bottom of the pyramid decide they're done asking nicely and waiting patiently for a more equitable portion of the national abundance, they could grind the political and economic system to a halt in a matter of days. History says this doesn't ...
by BeerTooth
Wed May 17, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 8833

Re: What Will Burst the Next Bubble?

My conjecture: wealth inequality. When the people on the bottom of the pyramid decide they're done asking nicely and waiting patiently for a more equitable portion of the national abundance, they could grind the political and economic system to a halt in a matter of days.
by BeerTooth
Mon May 01, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4515

Re: Kamado grill

the solution to the mold problem is easy. Just prop the lid slightly open between cooks. I use a piece of slate stone about 1" thick to crack the lid open. This allows airflow and prevents mold. Cover the exhaust port with the cap that came with it.
by BeerTooth
Tue Apr 18, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 4132

Re: Droopy sun-visor on honda civic

I fixed mine with these aluminum fasteners: https://www.youtube.com/watch?v=aTl0dUhkYD8
by BeerTooth
Thu Mar 30, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1034

Re: review paper returns in TaxAct before filing?

In the top right click on 'My Return', click My Return Details, click 'View Summary' and then at the bottom of the box is 'Preview 1040'. That lets me see a PDF of my 1040, but I also want to see Schedule A, to make sure I didn't miss any deductions. I'm willing to pay before I see it, as long as i...
by BeerTooth
Thu Mar 30, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1034

Re: review paper returns in TaxAct before filing?

DSInvestor wrote:I can generate a PDF tax return using the download version of TaxAct. Are you using online version or download version?
I am using the online version. I can try the download version when I get home tonight.
by BeerTooth
Thu Mar 30, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4433

Re: House buying- How to think about property taxes?

If your goal is to minimize taxes, buying property in Northern NJ is not wise. It just comes with the territory, so to speak. And just because one town has slightly lower or higher rate now, doesn't mean it won't change significantly over the period of ownership.
by BeerTooth
Wed Mar 29, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1034

review paper returns in TaxAct before filing?

This is my first year handling my own return after paying a CPA to do it for several years. I have entered all my info in TaxAct and I want to review the results prior to filing. I have my 2015 paper return and I want to review it side-by-side to make sure I didn't miss anything. Is there a way for ...
by BeerTooth
Mon Mar 27, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 62
Views: 5965

Re: Our technology is old...advice on upgrading...

Our only TV is a plasma tv which I bought in 2008. Plasma screen TVs eat power. Really really eat power. Even when switched off, if the "instant on" is still on. That would be one I would look at carefully in terms of replacing. The only "new" piece of technology we have is my iphone 7 which is pro...
by BeerTooth
Tue Mar 21, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 8217

Re: Suspicious organic products

I hate Hawaii because I don't like to swim with sharks I love organic fruits and vegetables because at the least you are avoiding chemical sprays, pesticides and all other artificial stuff related Organic produce taste much better and not necessarily expensive. Organic brown rice is $1.50/lb, nonor...
by BeerTooth
Tue Mar 21, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 10155

Re: cost of Solar Power

At least here in New Hampshire, net metering rules are grandfathered in until 2040 for any installations that go up before any rule change, so there is little risk on that front. The equipment will be fully depreciated by then. Payback period is 8-10 years for a professional installation; 4-6 years ...
by BeerTooth
Thu Mar 16, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2503

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I entered the total and the software stopped displaying an error. If I wanted to sell this random fund for the hassle-factor, what's a more low-maintenance fund I can buy to replace it and hold in a Vanguard taxable account? In an old post you mentioned having a 4.75% mortgage. If you still have it...
by BeerTooth
Thu Mar 16, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2503

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Total cost: Covered Shares: $4,398.62 Noncovered Shares: $591.30 I don't understand the difference. Which one do I enter? The sum of the two numbers. Though it really doesn't matter, as TaxAct will be happy and your return accurate as long as you enter a number larger than the amount of the non-div...