Search found 2552 matches

by hoops777
Thu May 09, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 5773

Re: Cell Phone Plan/Carrier Recommendation?

TMobile over 55 years old plan is by far the best of the major carriers.We pay 70 bucks a month for 2 phones with unlimited everything and a tablet.
by hoops777
Thu May 09, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 5773

Re: Cell Phone Plan/Carrier Recommendation?

FrugalProfessor wrote:
Thu Dec 20, 2018 12:02 pm
http://www.frugalprofessor.com/phones/

< $1/month. Been doing this for a decade. Boggles my mind that more people don't do the same. I get 99% of the benefits that a $100/month plan would provide at 1% of the cost.
So what happens if you are somewhere without WiFi and there is an emergency?
by hoops777
Mon Apr 29, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 5788

Re: Justifying Home Bias in your Portfolio

My question/curiosity is less about your actual percentage, but more if you are in 1/3 above what's your reasoning for it? I'm 50/50. The reason is simple... U.S. vs. international one will do well at some point and since I have no clue when I have no better bet then 50/50. This way I will always b...
by hoops777
Fri Apr 26, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does Money Buy Happiness?
Replies: 37
Views: 2194

Re: Larry Swedroe: Does Money Buy Happiness?

You can be wealthy and very unhappy.You can have little money and be very happy. It depends on the person.In terms of happiness,I believe it is a tool.It can eliminate a lot of stress and provide freedom to do what you want and help others.It certainly contributes towards happiness,but unhappiness i...
by hoops777
Mon Apr 22, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

All the talk of gold reminds me of this episode from The Twilight Zone... https://en.wikipedia.org/wiki/The_Rip_Van_Winkle_Caper "T he Rip Van Winkle Caper " is episode 60 of the American television anthology series The Twilight Zone. It originally aired on April 21, 1961 on CBS. PLOT: To escape th...
by hoops777
Mon Apr 22, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

Owning a few thousand in gold is not a big deal.Investing 10,15,20 25 pct of your wealth can be.Ironically,my wife has gold jewelry and diamond jewelry worth more than a few bucks. :D :moneybag hoops777, 1) I am not investing in Gold. <<.Ironically,my wife has gold jewelry and diamond jewelry worth...
by hoops777
Mon Apr 22, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

I am of the belief that you can get a little carried away by trying to insure for everything to the point of obsession.If you can guarantee me that gold will protect me against hyperinflation,I might own a small amount.I get it but I am not worrying about hyperinflation anymore than I am worrying a...
by hoops777
Mon Apr 22, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

I am of the belief that you can get a little carried away by trying to insure for everything to the point of obsession.If you can guarantee me that gold will protect me against hyperinflation,I might own a small amount.I get it but I am not worrying about hyperinflation anymore than I am worrying ab...
by hoops777
Mon Apr 22, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

My position is trying to understand what makes gold so special? Gold has value because gold has value doesn't seem to cut it, does it? If it's a good enough explanation for you, then buy gold. Hoard gold. Store gold. fortyofforty, <<My position is trying to understand what makes gold so special? >>...
by hoops777
Sun Apr 21, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

Gold will withstand fire, so in your house it's fine. It can always be melted and re-used if tarnished (say jewelry, etc.). The biggest issue is keeping it the most inconspicuous location in or around your house for potential theft. In my opinion, coins are the best and easiest way to store (and wi...
by hoops777
Sun Apr 21, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

I can't help but laugh at some of the stuff mentioned here. 25% in gold? Where do you keep it? I mean assuming you have total assets at one million, the $250,000 worth of gold is stored under your mattress? Are you keeping it in a bank safe deposit locker? If so, you think you will be able to get a...
by hoops777
Sat Apr 20, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13403

Re: Why diversification is not a viable strategy?

I can't help but laugh at some of the stuff mentioned here. 25% in gold? Where do you keep it? I mean assuming you have total assets at one million, the $250,000 worth of gold is stored under your mattress? Are you keeping it in a bank safe deposit locker? If so, you think you will be able to get a...
by hoops777
Sat Apr 13, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 101
Views: 15432

Re: Indexing beats Wellington and Wellesley right?

These funds are simple to understand and simple to invest in and get an allocation you desire.
They have a very long term record of success.
They allow you to be a rebel and go against the index only grain and feel good :D
People like being associated with winners.
Income.
There you go.
by hoops777
Fri Apr 12, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5584

Re: Baby boomer vicious cycle crash

You are thinking too much and trying to predict the unpredictable. Demographics are about the most predictable statistic about humans. Since the demographics are already known, there isn't anything useful there about the future of the markets. I was not talking about predicting demographics.
by hoops777
Thu Apr 11, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 131
Views: 17540

Re: Trader Joe's Fans - good value?

When I shop at Trader Joe's I have the impression that, within reason, you name it, they have it--but only one kind , never a choice. Is that your impression, too? If so, is that a bug or a feature? Yes that Freakonomics podcast gets into this. Apparently TJ has hit on something with offering less ...
by hoops777
Thu Apr 11, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 131
Views: 17540

Re: Trader Joe's Fans - good value?

They have hard to find whole grain bread and pita’s with zero sugar.Montezuma 100 pct dark chocolate bar zero sugar.
by hoops777
Thu Apr 11, 2019 2:25 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5584

Re: Baby boomer vicious cycle crash

Let’s see ........hmmmmm.....so first of all you have all the difficulties and unknowns of figuring out your investment strategy.Pretty difficult task for most people.Now we are adding figuring out how a huge group of people called baby boomers are going to invest in about 6 years or so and trying t...
by hoops777
Wed Apr 10, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5584

Re: Baby boomer vicious cycle crash

This is also known as the Baby Boomer Age Wave Theory. The phrase was coined by economist Harry Dent. See https://www.investopedia.com/terms/b/baby-boom-age-wave.asp There are multiple books on the topic. Many people have already figured out that the Baby Boomers are getting older. I believe that t...
by hoops777
Wed Apr 10, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7043

Re: What? No Income?

I think this is going to be the hardest thing for me to adjust to. Changing from a saver to a spender. I'm not worried about what I'll do with my time. I'm not too worried that we'll not have enough money. I know that this is what we have been saving for. I'm glad to finally be able to pull the plu...
by hoops777
Wed Apr 10, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6397

Re: How Much Do You Pay For Haircut?

Great Clips but use the same person every time,every 3 or 4 weeks.13 bucks plus 2 dollar tip and 20 dollar tip at Christmas.I feel so cheap after reading these posts :D
by hoops777
Wed Apr 10, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 9686

Re: How do 40 year olds decide what they can afford?

Forty year olds are individuals that differ from one another so it depends on you,not someone else.
by hoops777
Wed Apr 10, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5584

Re: Baby boomer vicious cycle crash

You are thinking too much and trying to predict the unpredictable.
by hoops777
Tue Apr 09, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1241
Views: 125452

Re: [What TV Show Have You Recently Watched?]

The more I read various reviews the more I think a lot of folks are expecting a little too much from a tv series.Remember we are not talking a classic movie which is one 2 hour show that sometimes take over a year to make.I am easy to entertain but I think the quality of tv that is out there is pret...
by hoops777
Tue Apr 09, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1241
Views: 125452

Re: [What TV Show Have You Recently Watched?]

Didn't read all the posts, so forgive me if this has been mentioned. If you like Bourne Identity type stuff. On Amazon Prime: "Hanna" Just finished this. Very mediocre. Thanks for that. I was trying to decide if it was worth the (bad) risk. I will slightly disagree. I watched it because I like two ...
by hoops777
Sun Apr 07, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

I’m sorry. I’m just not clearly understanding what you are telling me. I agree with a previous poster that this would be easier to troubleshoot if you have someone physically present who is more familiar with the technology. There are so many possibilities that sufficient detail or familiarity is o...
by hoops777
Sun Apr 07, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

If it accepted the password you keyed in and didn’t show anything afterward, perhaps there were no saved passwords? If there was no saved password then why did it open google?She tried using her Apple password earlier during the recovery fiasco so I guess it just is what it is.Thanks for your time ...
by hoops777
Sun Apr 07, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

If it accepted the password you keyed in and didn’t show anything afterward, perhaps there were no saved passwords? The screen showed a list of a 6 or 7 websites with the passwords blacked out.When I entered her Apple password to unlock them a screen came on about google sharing info with Apple or ...
by hoops777
Sun Apr 07, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

Glad to hear. Sounds like it may have been her Apple ID password all along, and perhaps her Apple ID was actually her Gmail address, further confusing things. If you aren’t 100% sure what the passwords are for both accounts, take an opportunity to change and record them now since you seem to have a...
by hoops777
Sun Apr 07, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs. Cancel your subscription to gmail and get your money back? Funny but customer service is an issue i...
by hoops777
Sun Apr 07, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs. Cancel your subscription to gmail and get your money back? Funny but customer service is an issue i...
by hoops777
Sun Apr 07, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

Glad to hear. Sounds like it may have been her Apple ID password all along, and perhaps her Apple ID was actually her Gmail address, further confusing things. If you aren’t 100% sure what the passwords are for both accounts, take an opportunity to change and record them now since you seem to have a...
by hoops777
Sun Apr 07, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

I fixed it!I got the google log in and her password would not work,but I got another option to unlock her passwords and that did it using her Apple password.
Thanks for all the help
by hoops777
Sun Apr 07, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

Now I’m getting confused. Can she access her Gmail account through ANY device, app, or avenue, or not? Sorry,she was giving me conflicting information. Her gmail account is not working.No new emails since 4/2. She has some free games she plays that she got from the Apple store and when she clicks o...
by hoops777
Sun Apr 07, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs. I wouldn't blame google or the Mac. You don't have to use google. OP, since you're "techie" enough ...
by hoops777
Sun Apr 07, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

Why not see if you can register the yahoo email again? That way you have that email to use as a recovery. Once that is done, switch the recovery over to your email. As I tell my parents, keep a notebook of your passwords! And use safari or chrome features to save passwords EVERY time. I tried with ...
by hoops777
Sat Apr 06, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs. You get what you pay for, I guess. They do offered paid email service, actually. https://gsuite.goo...
by hoops777
Sat Apr 06, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

It really gets me angry that you have this giant company trying to take over the world by internet usage and you cannot talk to someone in customer service if you have a problem.Sad state of affairs.
by hoops777
Sat Apr 06, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

My mistake.She is not getting gmail. She can use the internet in Safari though can't she? I'd really just expect it's that she can't get gmail via the mail app without verifying with google (and the iMac is asking her to do that via Safari). Anyway, I'd never seen that verification before this week...
by hoops777
Sat Apr 06, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Re: Google problem on Imac

My wife uses an IMac and is very non tech to be kind.I am a little better but not much :D I use only my IPad and the two are very different. She keeps getting this sign in to your google acct pop up box and cannot access the internet without signing in.She has a gmail acct and has been receiving em...
by hoops777
Sat Apr 06, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Google problem on Imac
Replies: 45
Views: 2013

Google problem on Imac

My wife uses an IMac and is very non tech to be kind.I am a little better but not much :D I use only my IPad and the two are very different. She keeps getting this sign in to your google acct pop up box and cannot access the internet without signing in.She has a gmail acct and has been receiving ema...
by hoops777
Sat Apr 06, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7043

Re: What? No Income?

I still think Bernstein’s advice about once you win the game quit playing is the best.I want zero worry about stocks and for me that is very freeing.The best part about retirement is the freedom it can give you on so many levels.I do not want in the back of my mind that if stocks tank for a prolonge...
by hoops777
Thu Apr 04, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18817

Re: Talk me in/out of $35k Tesla Model 3

I was once rear-ended at around 30 mph, and wife scrubbed the edge of a concrete a wall while turning right into a parking space at 1-2 mph next to the wall. - The rear-ended one got into the frame, and quarter panel, rear gate, bumper and rear frame support. Total repair cost $22K - The scrubbed o...
by hoops777
Thu Apr 04, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7043

Re: What? No Income?

I retired almost 2 years ago at 65,5 years earlier than I had planned. The obvious answer is that you need to have full confidence that you have absolutely zero financial concerns moving forward for maybe 40 more years or so.If you can do that,it eliminates a lot stress and will help with the other ...
by hoops777
Thu Apr 04, 2019 9:33 am
Forum: Non-US Investing
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 129
Views: 24851

Re: Study: The Rate of Return on Everything

Doesn't anybody factor in the hassle factor? Is that not worth something? Do people here not consider that their time (and anxiety level) is worth money? Maybe housing and equities provide similar returns. But I bought my index funds about two decades ago- I forget if it took a phone call or a coup...
by hoops777
Tue Apr 02, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD/Trust question
Replies: 22
Views: 1444

Re: TOD/POD/Trust question

Hoops, California has a reputation of having a difficult probate process. However, bsteiner, a prominent poster on the forum, has provided very convincing studies which would rebut that. If your assets are titled correctly and have beneficiaries listed correctly, settling your estate could be quite...
by hoops777
Tue Apr 02, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1241
Views: 125452

Re: [What TV Show Have You Recently Watched?]

Just finished a new one on Amazon,Hanna. I liked it but a lot of the scenes with gunfire were tough to swallow in terms of believability.(Maybe a few other things too :D )Hanna was stolen out of a CIA facility when she was a baby and raised by the agent who took her,in a Romanian forest without any ...
by hoops777
Tue Apr 02, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD/Trust question
Replies: 22
Views: 1444

Re: TOD/POD/Trust question

Suppose one of the children changes his/her mind and wants to live in the house? Suppose one or both kid's live out of state, has a busy life and never gets around to signing papers? Suppose the house needs repairs before selling and one kid refuses to kick in? Suppose the tax bill is due and one k...
by hoops777
Tue Apr 02, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: TOD/POD/Trust question
Replies: 22
Views: 1444

Re: TOD/POD/Trust question

I know some states have TOD deeds but if you have multiple kids why would you want to put them all on a TOD deed? All you've done is made them equally liable. Too many issues for my estate planning; the house is in the trust and it gets sold and the proceeds divided equally. Done. Why should there ...
by hoops777
Mon Apr 01, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD/Trust question
Replies: 22
Views: 1444

Re: TOD/POD/Trust question

Since California now permits beneficiary deeds for the disposition of real estate many people who would otherwise have needed a trust to dispose of real estate without probate proceedings can now simply use a beneficiary deed. Trusts can still be useful in many circumstances. If you got enough to c...
by hoops777
Mon Apr 01, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: TOD/POD/Trust question
Replies: 22
Views: 1444

Re: TOD/POD/Trust question

I think the two strongest reasons to set up a trust are asset protection and spendthrift protection. I doesn't sound like you require the latter, but I am of the opinion that in our litigation crazy society, everybody can benefit from the former. I should know this but are the assets in a living tr...