Search found 129 matches
- Tue Feb 04, 2020 5:27 pm
- Forum: Investing - Theory, News & General
- Topic: Why many inheritances don't last past 3 generations
- Replies: 144
- Views: 19788
Re: Why many inheritances don't last past 3 generations
the Rothchilds seem to keep it going. Just copy what they do....
- Tue Feb 04, 2020 5:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Form 1041 Estate Income Tax Return question...
- Replies: 3
- Views: 471
Re: Form 1041 Estate Income Tax Return question...
thank you quantAndHold. I couldn't find info on that. My thinking was that it was income since it's a payment coming into his estate....and the estate is a separate entity apart from anything that took place pre-death.
- Tue Feb 04, 2020 12:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Form 1041 Estate Income Tax Return question...
- Replies: 3
- Views: 471
Form 1041 Estate Income Tax Return question...
hi, I can't seem to find the answer to this:
My uncle died last year, I am his executor and required to file form 1041.
He received refunds after his death of unused auto insurance and healthcare insurance premiums. Are these refunds considered estate income to be included on his 1041 return?
thanks....Rob
My uncle died last year, I am his executor and required to file form 1041.
He received refunds after his death of unused auto insurance and healthcare insurance premiums. Are these refunds considered estate income to be included on his 1041 return?
thanks....Rob
- Tue Nov 08, 2016 8:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare, Ugh
- Replies: 34
- Views: 4621
Re: Medicare, Ugh
Johnnie,
I'm currently is a state of analysis paralysis trying to pick the right plan for my mother. I hope you do better than me
I'm currently is a state of analysis paralysis trying to pick the right plan for my mother. I hope you do better than me
- Tue Nov 08, 2016 8:10 am
- Forum: Personal Finance (Not Investing)
- Topic: The problem with Medicare Plan N
- Replies: 10
- Views: 2263
Re: The problem with Medicare Plan N
drawpoker,
no she has excellent health and should pass medical underwriting.....unless age itself is a factor.
so most doctors and hospitals accept medicare assignment but I did find this about the Mayo clinic...........http://www.mayoclinic.org/documents/may ... C-20078770
no she has excellent health and should pass medical underwriting.....unless age itself is a factor.
so most doctors and hospitals accept medicare assignment but I did find this about the Mayo clinic...........http://www.mayoclinic.org/documents/may ... C-20078770
- Mon Nov 07, 2016 12:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: The problem with Medicare Plan N
- Replies: 10
- Views: 2263
Re: The problem with Medicare Plan N
thanks drawpoker,
this insurance would be for my 77 y/o mother (in NJ). She's had plan F HD for the last 8 years and saved a ton of money on premiums. With the high cost of plan G in NJ, I'm thinking to just let her keep her current plan. Just a little more complexity....but an excellent value.
this insurance would be for my 77 y/o mother (in NJ). She's had plan F HD for the last 8 years and saved a ton of money on premiums. With the high cost of plan G in NJ, I'm thinking to just let her keep her current plan. Just a little more complexity....but an excellent value.
- Mon Nov 07, 2016 8:42 am
- Forum: Personal Finance (Not Investing)
- Topic: The problem with Medicare Plan N
- Replies: 10
- Views: 2263
The problem with Medicare Plan N
In researching medigap plans, the Plan N seems to be a good low cost alternative to plans F and plan G. The one red flag though is that it doesn't cover Part B excess charges. That shouldn't be a problem most of the time because if the doctor accepts Medicare Assignment, there are no excess charges. It is easy to find out if your doctor accepts Medicare Assignment. You go to Medicare.gov and from the drop down menu you can search your physician and when you bring him up it will show at the bottom of the page whether he accepts Medicare assignment or not. The time this will be a problem is when you're in the hospital getting an expensive surgery with more than one doctor in the room. You probably won't get a chance to find out beforehand if ...
- Tue Nov 01, 2016 8:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap...age attained rating vs community based rates
- Replies: 2
- Views: 695
Re: Medigap...age attained rating vs community based rates
thanks for the reply Celia,
so plan F high deductible will still be offered to new people after 2020?
she's had plan f high deductible since 2008 and never hit the deductible.....and saved thousands in premiums over that time period. Didn't know about AARP's pricing methods.
....So what to do if you want to switch to plan N, go with the lowest quote? Aetna comes in the lowest. Her current medigap insurer Colonial Penn was the highest.
so plan F high deductible will still be offered to new people after 2020?
she's had plan f high deductible since 2008 and never hit the deductible.....and saved thousands in premiums over that time period. Didn't know about AARP's pricing methods.
....So what to do if you want to switch to plan N, go with the lowest quote? Aetna comes in the lowest. Her current medigap insurer Colonial Penn was the highest.
- Tue Nov 01, 2016 7:43 pm
- Forum: Personal Investments
- Topic: Buying Dividend Only Stocks? Book I just read.
- Replies: 16
- Views: 3702
Re: Buying Dividend Only Stocks? Book I just read.
you can have the best of both worlds with Vanguard S&P 500 fund. A fairly steady record of increasing dividends that beats inflation and you're getting the best of the best of American business'. All for the low fee of .05% and with securities lending, it's even lower. Mr Buffett thinks this is the way to go.............and he thinks we're still in the early innings and that American business best days lay ahead. VFIAX is my favorite dividend stock....
- Tue Nov 01, 2016 7:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medigap...age attained rating vs community based rates
- Replies: 2
- Views: 695
Medigap...age attained rating vs community based rates
In choosing a new medigap plan for my mother, I got some quotes for Plan N and all the companies except for one (AARP) based their rate increases on age attained. AARp is community based. Since the AARP plan's starting premium isn't that much higher than my other quotes (Aetna, BCBS) I'm thinking the AARP plan should go up less over time and would be the logical choice.
Am I looking at this the right way? This is in New Jersey. My mother is 77 and currently in Plan F High Deductible. Her health is good so I figure this would be a good time to switch to an easier (less paperwork) plan and Plan F is going away in 2020 anyway.
Am I looking at this the right way? This is in New Jersey. My mother is 77 and currently in Plan F High Deductible. Her health is good so I figure this would be a good time to switch to an easier (less paperwork) plan and Plan F is going away in 2020 anyway.
- Sat Aug 20, 2016 10:22 am
- Forum: Personal Consumer Issues
- Topic: Has a SUV helped anyone's back?
- Replies: 22
- Views: 5268
Re: Has a SUV helped anyone's back?
Rexinder, I am the poster child for a bad back. I got to the point where I could no longer get in and out of my Subaru Legacy without hurting myself (even though the seats themselves had good support. I bought a Ford Explorer and a full length Obis back rest and it was like a miracle. Infact the seat is so comfortable I often will sit in my Explorer just to get relief...... as it's better than any chair in my house. Also what makes it easier for me to get in and out is the floorboard doesn't have a 2 inch lip that you have to lift your legs up to get out (almost all cars). That makes you twist even more. The Explorer's floorboard is flat right to the outside. A little thing no one would give a second thought to.....but for me it's a big hel...
- Mon Dec 21, 2015 9:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Reward cards churning and identity theft
- Replies: 9
- Views: 1966
Re: Reward cards churning and identity theft
it seems like you have to fork over personal info for everything and anything these days. I don't like doing it, but a necessary evil I suppose. I am generally very cautious and have had data stolen in the past due to Health Insurance breach. I got free credit monitoring for a year from that and froze my credit on top of it.
Since I already have a card with BofA, I may just get their travel rewards card and go from there
thanks Victoria, testing321, takeshi, SrGrumpy and Jags4186 for sharing your experience.
Since I already have a card with BofA, I may just get their travel rewards card and go from there
thanks Victoria, testing321, takeshi, SrGrumpy and Jags4186 for sharing your experience.
- Sun Dec 20, 2015 7:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Reward cards churning and identity theft
- Replies: 9
- Views: 1966
Reward cards churning and identity theft
to play this game it seems you're putting your personal informantion in an awful lot of new data bases if constantly applying for new cards. Does this bother anyone? I suppose the bonuses are too good to pass up. But doesn't this make you much more vulnerable to identity theft?
I haven't seen this discussed before.......
I haven't seen this discussed before.......
- Fri Dec 11, 2015 1:19 pm
- Forum: Investing - Theory, News & General
- Topic: why don't bogleheads use closed end bond funds?
- Replies: 18
- Views: 4249
why don't bogleheads use closed end bond funds?
with better yields and (some) long track records of steady distributions, I rarely see much mention of closed end bond funds here. I suppose it's a leap of faith trusting the smart guys at Pimco and others to navigate the use of leverage, etc. But at big discounts, the yields are sure tempting....
- Fri Dec 11, 2015 1:00 pm
- Forum: Investing - Theory, News & General
- Topic: [Third Avenue liquidates its high-yield bond fund]
- Replies: 130
- Views: 14086
how does this affect leveraged closed end bond funds?
Can the smart guys at Pimco sidestep these issues?
- Thu Jul 09, 2015 4:25 am
- Forum: Investing - Theory, News & General
- Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
- Replies: 43
- Views: 10163
Re: Front running of the indexes. How relevant is this practice.
Gus Saunter said this cost the S&P500 about 25 basis points a year. My question is why don't David Blitzer and committee fix the index? Seems it would be an easy fix, they could just do what CRSP does with their large cap index that the Vanguard fund follows. They do their buys and sells in such a way to make it hard to front run the index.
Also, why couldn't Vanguard offer an enhanced S&P 500 fund that gets around this problem? But then again with the additional expense that might not be worth it since VOO is at .05
Also, why couldn't Vanguard offer an enhanced S&P 500 fund that gets around this problem? But then again with the additional expense that might not be worth it since VOO is at .05
- Wed Jun 24, 2015 9:03 pm
- Forum: Personal Consumer Issues
- Topic: Most Economical Way to Handle the Lawn
- Replies: 84
- Views: 15129
Re: Most Economical Way to Handle the Lawn
I always like Caesar the dog whisperer's compound. It's all asphalt with some potted plants here and there. The ultimate no maintenance yard...
- Wed Jun 24, 2015 9:00 pm
- Forum: Personal Investments
- Topic: the future of mutual funds (T ROW Price specifically)
- Replies: 0
- Views: 1449
the future of mutual funds (T ROW Price specifically)
I've held the stock of T Row Price (TROW) since 1997.....and it's done phenomenally well over the years. I'm debating whether to sell it and put the money in my asset allocation portfolio. But it pays a nice dividend and has been so profitable. It's just a small (5%) of overall portfolio.
Will ETF's gain significant ground on mutual funds over time? I think the future of T Row Price is rosy, and can't really see any downside.....what can trip up this great company? New competition? New investment products? A Janus type blowup?
Will ETF's gain significant ground on mutual funds over time? I think the future of T Row Price is rosy, and can't really see any downside.....what can trip up this great company? New competition? New investment products? A Janus type blowup?
- Wed Jun 24, 2015 8:48 pm
- Forum: Personal Investments
- Topic: pricing of Vanguard's original issue CDs
- Replies: 9
- Views: 3440
Re: pricing of Vanguard's original issue CDs
Do you like to gamble Eddie? Gamble money on pool games?
- Tue May 05, 2015 8:27 am
- Forum: Personal Consumer Issues
- Topic: New car every 5 years instead of 10?
- Replies: 129
- Views: 44159
Re: New car every 5 years instead of 10?
"Sorry but I think driving a 17 year old ANYCAR is foolish from a safety perspective. I don't think there is much difference between a 2010 car and similar 2015 car, but from 1998 to now there are huge safety improvements. I view this like life, disability, fire and liability insurance. Continuing to drive a car that old is a taking a foolish risk. I assume that a saver like you would not go without those insurances...why would you take road safety risks just to keep an old car on the road a few more years?"
What is so unsafe and foolish about driving a 98 vehicle? My 95 Explorer has airbags, seatbealts and plenty of steel. I feel safe as can be driving it. What more do you need?
What is so unsafe and foolish about driving a 98 vehicle? My 95 Explorer has airbags, seatbealts and plenty of steel. I feel safe as can be driving it. What more do you need?
- Tue Mar 17, 2015 8:51 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11037
- Views: 2066714
Re: What Movie Have You Recently Watched?
The Quite Man.......
watching it now, actually. Right in the middle of it. There's trouble brewing because of stubborn Will Danaher.
"He'll regret it til his dying day....if he ever lives that long"
watching it now, actually. Right in the middle of it. There's trouble brewing because of stubborn Will Danaher.
"He'll regret it til his dying day....if he ever lives that long"
- Sat Mar 07, 2015 2:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: required info on personal checks
- Replies: 16
- Views: 50571
Re: required info on personal checks
thank you all for the replies.
So the address and full name is not needed except in a very few circumstances. Think I'll go with just 1st initial and last name with no address. I can always use my few left over checks I'm currently using if needed. And I use very few checks now anyway, so should be no problem....
So the address and full name is not needed except in a very few circumstances. Think I'll go with just 1st initial and last name with no address. I can always use my few left over checks I'm currently using if needed. And I use very few checks now anyway, so should be no problem....
- Sat Mar 07, 2015 9:53 am
- Forum: Personal Finance (Not Investing)
- Topic: required info on personal checks
- Replies: 16
- Views: 50571
required info on personal checks
hi, I'm about to re-order checks for checking account. Is it necessary to have your address and full name printed on your checks? Could you just list your first initial and then last name.....so instead of Timothy R Jones could you just use T. Jones? Why put out more personal info than what's needed is the way I see it, but I'm not sure if this would cause any problems.
Didn't find a whole lot of info when looking this up online, some said it was ok, others said use name and address....
thanks
Didn't find a whole lot of info when looking this up online, some said it was ok, others said use name and address....
thanks
- Thu Feb 26, 2015 2:56 pm
- Forum: Personal Consumer Issues
- Topic: How does one increase their typing speed and accuracy?
- Replies: 70
- Views: 12361
- Thu Feb 26, 2015 2:54 pm
- Forum: Personal Investments
- Topic: Portfolio costs: FTSE All World vs SP500
- Replies: 6
- Views: 1754
Re: Portfolio costs: FTSE All World vs SP500
so you could invest like Buffett's plan for his heirs.....all S&P 500 for the stock portion. The majority of S&P 500 stocks are global anyway. There's a few posters on this board that invest that way. I think in the end you'll do just as well....and at a lower cost. Not to get political, but.....the other night I was watching the NJ budget debate (NJ has a big shortfall for the state pensions), corporations leaving NJ for more favorable states due to high taxes. The sky high property taxes, etc. If NJ politicians were running the federal government, I would for sure want to be a global investor. So that kind of thing can happen in a short time span, I believe. One country investing is risky, even if it's the U.S. I would opt for a m...
- Mon Feb 23, 2015 2:21 pm
- Forum: Personal Investments
- Topic: Vanguard International Equity Funds & Currency Hedging
- Replies: 7
- Views: 1571
Re: Vanguard International Equity Funds & Currency Hedging
Vanguard Global minimum volatility fund (VMVFX) is currency hedged
- Mon Feb 23, 2015 2:19 pm
- Forum: Investing - Theory, News & General
- Topic: John Bogle on International Investing
- Replies: 184
- Views: 29000
Re: John Bogle on International Investing
[quoteWhereas in my view, Emerging Markets would seem to have the bulk of the risks I'm trying to avoid, and Ken French seems to advocate taking the world at market cap-weighting.][/quote]
JoMoney, from prior posts I see you favor the S&P 500. I would think the Vanguard FTSE Europe (VGK) would be a good extension of that. In fact it's like the European S&P 500. 516 large and mid cap of Europe's best companies. Just look at the top 25 holdings. I would think this would be a great diversifier for someone who wants to avoid other problem areas of international investing....
JoMoney, from prior posts I see you favor the S&P 500. I would think the Vanguard FTSE Europe (VGK) would be a good extension of that. In fact it's like the European S&P 500. 516 large and mid cap of Europe's best companies. Just look at the top 25 holdings. I would think this would be a great diversifier for someone who wants to avoid other problem areas of international investing....
- Sat Feb 21, 2015 10:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Tax Software [Looking for recommendation]
- Replies: 6
- Views: 951
Re: Tax Software
I'm pretty sure you can use TaxAct for your required options. It's the best tax software I've used yet.
- Sat Feb 21, 2015 10:03 am
- Forum: Personal Consumer Issues
- Topic: Problems with Internet Explorer
- Replies: 24
- Views: 2625
Re: Problems with Internet Explorer
yes, last night had a big problem with IE. Got windows pop up stating "Internet Explorer has stopped working. A problem caused the program to stop working correctly. Windows will close the program......". This was stuck in a loop. Couldn't fix or connect back to the internet. Anyway, I eventually reset IE to default settings and seems to be working ok today. After googling I see others have had this problem and not easily fixed sometimes
- Thu Jan 01, 2015 5:39 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard's best fund: Healthcare?
- Replies: 60
- Views: 12745
Re: Vanguard's best fund: Healthcare?
great past returns. Seems to be overbought now, so if you buy now you're buying at a high valuation. Would be great if there was a scare in this sector...like talk of banning all pharmaceutical and AMA lobbying. That might drive down share prices temporarily
- Wed Dec 31, 2014 10:01 pm
- Forum: Investing - Theory, News & General
- Topic: Tilting towards Consumer Staples
- Replies: 7
- Views: 2670
Re: Tilting towards Consumer Staples
I think I would choose KXI (global consumer staples) which is about 50/50 US/International. The int side hasn't had quite the run up as US stocks so valuation wise, probably better. But this sector has had a huge runnup the last 6 years and valuations are sky high. A better alternative if you don't want bonds might be a low or min volatility fund. Not as concentrated and accomplishes the same thing. I think the etf XMLV S&P Midcap low volatility shows even lower downdraws than VDC. Well the index it was created after does. In 2008 the index was down only -12.94% and it was up in 2001, 2002.
- Wed Dec 31, 2014 12:29 am
- Forum: Investing - Theory, News & General
- Topic: Equity dividend investing vs equity index investing
- Replies: 19
- Views: 3067
Re: Equity dividend investing vs equity index investing
galeno.....not sure about the accuracy of the forecasts, but I like your simplified portfolio. I imagine the expense ratio will come down on VT over time. Would you hold the same percentage in international equity if you lived in the U.S.?
- Tue Dec 30, 2014 11:47 pm
- Forum: Investing - Theory, News & General
- Topic: larry portfolio vs 3 fund portfolio last 2 years
- Replies: 16
- Views: 3713
Re: larry portfolio vs 3 fund portfolio last 2 years
I know cfs......no plans to change, just thinking out loud. Nobody likes sub 3% returns when equities in general have an up year...Steady as she goes.
I see no losses. Maintain current course and speed . . . steady as she goes.
- Tue Dec 30, 2014 11:44 pm
- Forum: Investing - Theory, News & General
- Topic: larry portfolio vs 3 fund portfolio last 2 years
- Replies: 16
- Views: 3713
Re: larry portfolio vs 3 fund portfolio last 2 years
maybe so, but they both supposedly have the same expected return and they're both discussed here quite a bit. I know a short time period comparing the 2 is meaningless....but still, just a year end observation...Apples and oranges
- Tue Dec 30, 2014 1:09 pm
- Forum: Investing - Theory, News & General
- Topic: larry portfolio vs 3 fund portfolio last 2 years
- Replies: 16
- Views: 3713
larry portfolio vs 3 fund portfolio last 2 years
I hold a Larry type portfolio last 3 years and still no plans to change. But I do see 1st hand what tracking error regret looks like.
2013 total return Larry portfolio.....7.50%
3 fund portfolio total return..........14.84%
2014 YTD total return Larry portfolio....2.47%
3 fund portfolio total return...............7.53%
Staying the course can be hard! Funds used in the above Larry portfolio: BOSVX, DWUSX,VFITX. 3 Fund portfolio: VTI, VXUS, BND.
2013 total return Larry portfolio.....7.50%
3 fund portfolio total return..........14.84%
2014 YTD total return Larry portfolio....2.47%
3 fund portfolio total return...............7.53%
Staying the course can be hard! Funds used in the above Larry portfolio: BOSVX, DWUSX,VFITX. 3 Fund portfolio: VTI, VXUS, BND.
- Mon Dec 29, 2014 6:01 pm
- Forum: Personal Consumer Issues
- Topic: Do any other men here regulalry use skin care products?
- Replies: 45
- Views: 8930
Re: Do any other men here regulalry use skin care products?
Cerave for dry skin in winter. Haven't found anything better...
- Mon Dec 29, 2014 5:57 pm
- Forum: Investing - Theory, News & General
- Topic: A substitute for Wellesley?
- Replies: 21
- Views: 3472
Re: A substitute for Wellesley?
hoops777
did you switch your stock allocation to SPLV? Either option SPLV or Wellesley would have turned out fantastic for you last 2 years....
did you switch your stock allocation to SPLV? Either option SPLV or Wellesley would have turned out fantastic for you last 2 years....
- Tue Oct 28, 2014 10:42 am
- Forum: Investing - Theory, News & General
- Topic: Paul Merriman criticism?
- Replies: 73
- Views: 16121
Re: Paul Merriman criticism?
unless you don't have access to those funds, wish there were good alternatives outside of DFA and Bridgeway. I'm using Vanguard small value and FTSE small foreign (VSS).The Larry Portfolio can now be done with just two equity funds. I use BOSVX and DWUSX. That's it.
Larry
- Fri Oct 10, 2014 8:45 pm
- Forum: Investing - Theory, News & General
- Topic: Ultimate Small Cap Value Portfolio...
- Replies: 31
- Views: 6546
Re: Ultimate Small Cap Value Portfolio...
PXSV seems to be going in the wrong direction (assets under management wise) even before the correction started. Will it still be around in 5 years?
- Fri Oct 10, 2014 8:31 pm
- Forum: Investing - Theory, News & General
- Topic: VIOV TLH [Vanguard Small-Cap 600 Value Tax Loss Harvesting]
- Replies: 6
- Views: 1014
Re: VIOV TLH
I would use VBR. You're VIOV and IJS are the same index and too identical. You could use JKL.....it's smaller than VBR but doesn't hold enough stocks for me personally.
- Fri Oct 10, 2014 8:23 pm
- Forum: Personal Consumer Issues
- Topic: Critically Acclaimed Movies you did not like
- Replies: 150
- Views: 25971
Re: Critically Acclaimed Movies you did not like
Star Wars....awful, couldn't watch the whole thing.
- Fri Oct 10, 2014 8:21 pm
- Forum: Investing - Theory, News & General
- Topic: Ultimate Small Cap Value Portfolio...
- Replies: 31
- Views: 6546
Re: Ultimate Small Cap Value Portfolio...
IEIS has less than 9 million in total assets. Probably less than 10 people own it. And PXSV isn't far behind at barely 60 mil in assets. VBR and VSS still the best combo today........sooo 2000's. Today, it's all about IEIS and PXSV. (neither of which do I own)
Side questio. Any place that allows one to purchase ieis? All my brokerages have it restricted
- Sat Mar 08, 2014 1:27 pm
- Forum: Personal Consumer Issues
- Topic: is 4gb memory, 500gb hd adequate for new desktop?
- Replies: 56
- Views: 16326
Re: is 4gb memory, 500gb hd adequate for new desktop?
thanks lightheir. Though desktops may be on their way out I still prefer a desktop for home use, that may change though...
2retire, didn't know that cpu was a problem. thanks, I'm still researching
2retire, didn't know that cpu was a problem. thanks, I'm still researching
- Sat Mar 08, 2014 1:02 pm
- Forum: Personal Consumer Issues
- Topic: is 4gb memory, 500gb hd adequate for new desktop?
- Replies: 56
- Views: 16326
Re: is 4gb memory, 500gb hd adequate for new desktop?
thanks to all who responded. I was specifically looking at the new Dell Inspiron 3000 series. Bestbuy has the package w/ 4g ram, 500gb hard drive at $399.98 vs the 8g, 1tb package at $529.98......and just wondered if the exta $129 for 8g, 1tb was worth it.
ab80 said:
ab80 said:
so right now 4g ram more than adequate, but 2 years from now (maybe windows 9 by then?) may need more.For one thing, you never know if you'll get into something like video editing or some new video game, but also these specs will be nothing in a few years, and who knows how resource-intensive the next OS will be. There's just no way this thing would be running smoothly on Windows 8 if I had 2 GB RAM.
- Sat Mar 08, 2014 10:10 am
- Forum: Personal Consumer Issues
- Topic: is 4gb memory, 500gb hd adequate for new desktop?
- Replies: 56
- Views: 16326
is 4gb memory, 500gb hd adequate for new desktop?
for a non gaming pc, do you really need 8gb memory and 1tb hard drive? This would be running windows 8.1. Used for internet browsing, spreadsheets, videos, pictures, etc. Is there a performance difference between 4g mem, 500g hd vs 8g, 1tb?
thanks
thanks
- Fri Dec 27, 2013 8:01 pm
- Forum: Personal Consumer Issues
- Topic: Something I don't understand about music
- Replies: 108
- Views: 10008
Re: Something I don't understand about music
Elton John's cover of "Lucy in the Sky" was a #1 hit in 1974.
- Fri Dec 27, 2013 7:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Freeze
- Replies: 18
- Views: 3062
Re: Credit Freeze
Don't know about Clark Howard but it's extremely easy and took me less than 20 minutes combined for all 3 agencies doing it online at each of their websites. Just print out or write down passwords/ pin. You'll need them to unfreeze if need be.Does anyone know any reason not to use the Clark Howard website to simplify doing the freeze for both of us at once on one CC charge??
- Wed Dec 25, 2013 6:41 pm
- Forum: Investing - Theory, News & General
- Topic: Positioning for 2014
- Replies: 18
- Views: 4092
Re: Positioning for 2014
Just playing devil's advocate Browser, I think it's a good way of investing. I invest this way although with much higher equity. Just that tracking error thing people under-estimate. Remember about a year ago all the permanent portfolio advocates? Not seeing too many lately....If it worked like magic during all time periods, then everybody would be holding it right? It only works because there's a risk that it won't work going forward and the Larry investor is willing to assume that risk and stay the course. You have to understand that there are times you will feel "alone and wrong." When that happens you can have an email chat with Larry.
- Wed Dec 25, 2013 1:35 pm
- Forum: Investing - Theory, News & General
- Topic: Positioning for 2014
- Replies: 18
- Views: 4092
Re: Positioning for 2014
how many would hold a Larry Portfolio thru 95-99? It not only lagged a total market portfolio, but lagged ALOT in all of those years. My guess, by 97 most would've given up and joined the total market party.
and do you want to hold 70% of your portfolio in low yield low return (short term) bonds? Will the diversification benefits be anywhere near what they were in the past given today's low yields? This portfolio could have a long stretch of under performance. Plus it seems more and more coverage of tilted strategies, new asset class funds, etc. How is tilting to small and value going to work going foward when everyone knows about it wants to take advantage of it?
and do you want to hold 70% of your portfolio in low yield low return (short term) bonds? Will the diversification benefits be anywhere near what they were in the past given today's low yields? This portfolio could have a long stretch of under performance. Plus it seems more and more coverage of tilted strategies, new asset class funds, etc. How is tilting to small and value going to work going foward when everyone knows about it wants to take advantage of it?
- Tue Dec 17, 2013 5:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Health Insurer Data Security
- Replies: 4
- Views: 541
Re: Health Insurer Data Security
Last Friday I received a letter from my health insurance co stating that 2 laptops were stolen out of their Newark, NJ facility and it was thought that all my personal info was on one of the computers. They offered free of charge for me to get credit monitoring for 1 year at Experian. I'm over-joyed I'm with the same health ins co again in 2014.