Search found 6388 matches

by bertilak
Sun Apr 21, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

For example, when IBM introduced the IBM PS/2 series they certainly implied that "PS/2's," i.e. the models in that line, had 1) Micro Channel Architecture I/O and 2) having a case that could be easily opened with a dime. Needless to say, a few years later they introduced a line of models designed a...
by bertilak
Sun Apr 21, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

Ged wrote:
Sun Apr 21, 2019 5:07 pm
What is left in your wallet after purchase.
"Air" now covers all three bases!
by bertilak
Sun Apr 21, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

So what did rhusky mean by wireless? Light weight. Wireless. No disk drive. No CD. When the Air first came out, all file transfers were meant to be accomplished via wireless, which was a big change. With the Airport router making it all possible? Introducing the term "Air?" I guess portability comb...
by bertilak
Sun Apr 21, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

So then, what does the "Air" designation designate? To quote myself :) The Airs are the lighter (more portable) versions of the Macbook and iPad product lines. So, kind of a form factor thing? I had something functional in mind. Perhaps it's improved technology making the increased lightness and po...
by bertilak
Sun Apr 21, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

So what did rhusky mean by wireless? Light weight. Wireless. No disk drive. No CD. Not sure. My MacBook Pro has wireless, no (spinning) disk drive, no CD. My very first iPad (model 1), bought on the day it was released in April 2010, had WiFi. So then, what does the "Air" designation designate?
by bertilak
Sun Apr 21, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

OK, thanks! Makes sense. I already had the vague idea it had something to do with WiFi. WiFi is probably less of a distinction now-a-days. Now pretty much anything that is networked supports WiFi. At least in the home consumer market. I don’t think it has anything to do with WiFi. Every iPad ever m...
by bertilak
Sun Apr 21, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Re: Apple Air

OK, thanks! Makes sense.

I already had the vague idea it had something to do with WiFi. WiFi is probably less of a distinction now-a-days. Now pretty much anything that is networked supports WiFi. At least in the home consumer market.
by bertilak
Sun Apr 21, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 15
Views: 748

Apple Air

Lots of Apple products include the term "Air" in their name.

What does that mean or imply?
by bertilak
Sat Apr 20, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1607

Re: What's the lowdown on HVAC filters?

I have a Carrier HVAC with an "Infinity Air Purifier." It uses a filter supplied by Carrier specifically designed for this HVAC. It is 4 inches thick, MIRV 15.

I'm pretty confident using this Carrier filter even though it's a pretty high MIRV based on the comments above.
by bertilak
Fri Apr 19, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 54
Views: 3740

Re: Would you be willing to temporarily change your AA?

I don't know much about this stuff. What I do know is that the folks on TV who talk about investment strategies are like the weather folks. Much hype, standing in buffeting winds, trying to look brave and thoughtful. Knowing little, but attempting to upset little old ladies like me. Reminds me of a...
by bertilak
Thu Apr 18, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 12800

Re: Does 100% stocks make sense for very high net worth individuals

"Does 100% stocks make sense for very high net worth individuals?"

I say "Don't bet the farm even, or especially, if its a very large farm."
by bertilak
Wed Apr 17, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4390
Views: 1144991

Re: What Movie Have You Recently Watched?

Best recent movies I saw were "A Stupid and Futile Gesture" on Netflix (for animal house fans, a must see) That's me. I saw it. I liked it. Someday I might see it again, but I think one point of the movie was you can't go back (or did I inject that myself?). Maybe once is enough. It's probably best...
by bertilak
Wed Apr 17, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Anyone have a child model?
Replies: 42
Views: 4492

Re: Anyone have a child model?

Almost forgot! I was a child model! Well, for a one-time deal. A fishing magazine (Field and Stream?) wanted a full-page illustration for a short story (boy's first fish?). I wore some of my regular young-boy clothes, stood in a stream with a rod and line tied to a rock. I had to act excited and foc...
by bertilak
Wed Apr 17, 2019 12:31 pm
Forum: Personal Investments
Topic: Re-balancing "organically"
Replies: 12
Views: 1264

Re: Re-balancing "organically"

The big risk/reward is your overall equity allocation. Keep that close to target and you should do fine if you have a relatively simple portfolio. If you have a bit more in small cap than large cap it isn't the end of the world . Remember your allocation is based on a guess what your risk tolerance...
by bertilak
Wed Apr 17, 2019 10:30 am
Forum: Personal Investments
Topic: Re-balancing "organically"
Replies: 12
Views: 1264

Re: Re-balancing "organically"

I see a lot of rebalancing threads. Curious why it's such a heated topic. Isn't it as simple as: - During accumulation phase, buy whatever asset class you are underinvested with every incremental dollar saved - During withdrawal phase, sell whatever asset class you are over-invested in with every i...
by bertilak
Tue Apr 16, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: Why does the stock market go up in the long term?
Replies: 62
Views: 4396

Re: Why does the stock market go up in the long term?

Tentative summary of why the stock market always goes up (if not smoothly) based on the above comments: Population growth GDP/population (Is this a result of 3, 4, 5, more?) Accumulating work product (e.g. infrastructure) Accumulating/improving technology (information, communications, travel) Accumu...
by bertilak
Sun Apr 14, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: "Serious Money" book - Free download
Replies: 17
Views: 2201

Re: "Serious Money" book - Free download

Serious Money was my first investment book, written incognito during the late 1990s when I was still a stockbroker at Smith Barney. It was the beginning of my quest to change the investment advice industry by exposing bad business practices and advocating lower adviser fees. HERE IS A LINK TO "SERI...
by bertilak
Sun Apr 14, 2019 3:51 pm
Forum: Personal Investments
Topic: From "The Bogleheads Guide to Investing" - a question
Replies: 8
Views: 1096

Re: From "The Bogleheads Guide to Investing" - a question

Can anyone explain how this effects what I am trying to do, which is put our savings (beyond the money market part of our savings) in the Total Stock and Total Bond funds, if and only if, it makes sense tax-wise. Making sense tax-wise is secondary to having a reasonable stock/bond allocation. You o...
by bertilak
Sun Apr 14, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1370

Re: OnStar Plans: Are they worth the cost?

a girl I dated years back had it on a new car (a Chevy? cant recall). New vehicle died along the road mid-winter, I think it was the battery. She pushed the OnStar button and alas, it wouldn't work as there was no power! LOL. That is perhaps one of the great features of a cell phone -- it has its o...
by bertilak
Sun Apr 14, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1370

Re: OnStar Plans: Are they worth the cost?

I found it useful when renting. If the car is new enough OnStar is still on its free trial period. Once I figured this out I made it a habit of asking for a brand new GM car. That worked OK when one was available. When driving in a strange location in a strange car I found it convenient to push the ...
by bertilak
Thu Apr 11, 2019 1:57 pm
Forum: Personal Investments
Topic: Lump Sum Pension or annuity
Replies: 5
Views: 463

Re: Lump Sum Pension or annuity

Hi all. I'm 40 years old. I have an old pension at a health insurance company that's present value is 10K. At age 65 they will provide me with a monthly payment amount of $300 per month with no cost of living adjustments. This pension is at an health insurance Premera Blue Cross based in Washington...
by bertilak
Wed Apr 10, 2019 6:15 am
Forum: Personal Investments
Topic: Vanguard Personal Advisor Services
Replies: 28
Views: 3309

Re: Vanguard Personal Advisor Services

As part of getting older and my wife possibly having to take over our investments some day, I went ahead and collapsed all of my retirement accounts into Vanguard. In return, they provide a comprehensive management service, along with a Certified Financial Planner, at a low cost (.3%). I also depen...
by bertilak
Tue Apr 09, 2019 7:39 pm
Forum: Personal Investments
Topic: When to sell a Dud
Replies: 18
Views: 1237

Re: When to sell a Dud

The stock is in my brokerage account. The last of my non-mutual fund stocks that I hold. i use a brokerage account for my Roth IRA. I use a brokerage account for my HSA. I use a brokerage account for my 401(k). I use a brokerage account for my inherited IRA. I cannot tax-loss harvest in any of the ...
by bertilak
Tue Apr 09, 2019 4:27 pm
Forum: Personal Investments
Topic: When to sell a Dud
Replies: 18
Views: 1237

Re: When to sell a Dud

Uniballer wrote:
Tue Apr 09, 2019 4:19 pm
Tool-Time wrote:
Tue Apr 09, 2019 4:06 pm
What about the 30 day wash rule?
He didn't mean buy the same failing company stock. He meant buy more of the low-cost no-load broad-market stock index mutual fund or ETF you are already holding (or should be holding).
I updated my post to say "... whatever other equity holding you have."
by bertilak
Tue Apr 09, 2019 4:00 pm
Forum: Personal Investments
Topic: When to sell a Dud
Replies: 18
Views: 1237

Re: When to sell a Dud

Speaking of tax considerations ... sell as a first step in Tax Loss Harvesting (TLH).

Second step is to put the money right back into whatever other equity holding you have. You have a tax deduction AND remain invested.
by bertilak
Tue Apr 09, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 122154

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

I literally cannot remember the last time I went to a movie theater. We always watch at least a few minutes before going to sleep, and often decompress for a few hours in the evening. My daughter made me go to Black Panther. It sucked despite great production values, decent CGI, and and a great the...
by bertilak
Tue Apr 09, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 117
Views: 8028

Re: Quicken 2019 and forward

Our household switched to Moneydance. I have Moneydance and was surprised I could transfer 100% of my Quicken records to Moneydance in one batch file. I haven't used Moneydance in months and when I opened it I got a free update to 2019. At first glance it appears more user friendly. I have a year t...
by bertilak
Tue Apr 09, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Those who view everything as one portfolio - how do you determine allocations and how "funded" different goals are?
Replies: 28
Views: 2150

Re: Those who view everything as one portfolio - how do you determine allocations and how "funded" different goals are?

I've become increasingly convinced by those on the forum that advocate for viewing the entire portfolio as one allocation, rather than "bucketing" for individual goals. I think the concept of separate buckets makes sense, IF you have different goals of significant size, and significantly different ...
by bertilak
Tue Apr 09, 2019 10:39 am
Forum: Personal Investments
Topic: How to plan for a range of long-term doomsday scenarios during a 50+-year retirement
Replies: 10
Views: 1200

Re: How to plan for a range of long-term doomsday scenarios during a 50+-year retirement

You might be interested in William Bernstein's very short (54 page) booklet called Deep Risk . From the introduction: Risk, then, comes in two flavors: “shallow risk,” a loss of real capital that recovers relatively quickly, say within several years; and “deep risk,” a permanent loss of real capital...
by bertilak
Mon Apr 08, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Appeal
Replies: 11
Views: 813

Re: IRMAA Appeal

I also have an IRMAA situation. My tax guy misplaced a decimal point and I ended up with a huge tax exempt interest. That went unnoticed since it didn't affect the bottom line taxes. Unfortunately, It still counts as income for the IRMAA calculation. I called the SSA local office and was told I sho...
by bertilak
Sun Apr 07, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 85
Views: 17039

Re: Why not a 2 fund portfolio like Bogle suggests

I own 4 funds: Stock and bond in both domestic and foreign flavors. I actually do find it hard to justify this to myself, but I follow William J. Bernstein's Deep Risk book where he recommends international investments as protection against geopolitical risks. I see this not as using diversification...
by bertilak
Sun Apr 07, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 117
Views: 8028

Re: Quicken 2019 and forward

You asked how it was different than buying a new quicken every year (presumably like before). It’s more expensive and that’s not disputable. Actually, that wasn't me who asked. Note that I said "perhaps you are right." The "perhaps" is in there because "buying a new quicken every year (presumably l...
by bertilak
Sun Apr 07, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 117
Views: 8028

Re: Quicken 2019 and forward

Well, it’s more expensive. Perhaps you are right. The annual cost for a Quicken subscription is as follows: Starter: $34.99/yr Deluxe: $49.99/yr Premier: $74.99/yr There is no longer an alternative so cheaper or more expensive is hard to quantify. I pay for Premier plus $9.95/mo for Bill Pay. I can...
by bertilak
Sun Apr 07, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Unpriced REIT Question [Why can't I redeem my shares of preferred stock?]
Replies: 4
Views: 595

Re: Unpriced REIT Question

BRE Select Hotels has limited ability to borrow because of their mortgage loan covenants: On July 7, 2017, certain indirect wholly-owned subsidiaries (the “Borrowers”) of the Company ... obtained an $800 million mortgage loan ... The Loan contains various representations and warranties, as well as ...
by bertilak
Sun Apr 07, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 117
Views: 8028

Re: Quicken 2019 and forward

What happens if one stops paying ransom to keep one's "subscription" active. Can one still manually enter transactions? My 2017 Quicken can't " web connect" download from Citi or Chase. Quicken appears to be in cahoots with banks to trick one into paying for "direct connect" downloads. Wells Fargo ...
by bertilak
Sun Apr 07, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 117
Views: 8028

Re: Quicken 2019 and forward

What happens if one stops paying ransom to keep one's "subscription" active. Can one still manually enter transactions? My 2017 Quicken can't " web connect" download from Citi or Chase. Quicken appears to be in cahoots with banks to trick one into paying for "direct connect" downloads. Wells Fargo ...
by bertilak
Sat Apr 06, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Mouse - Scroll Wheel Question
Replies: 5
Views: 473

Re: Microsoft Wireless Mouse - Scroll Wheel Question

I have used Wireless Logitech mice for decades now and I have never had a problem at all. My favorite is the Logitech M705 . https://www.logitech.com/en-us/product/m705 One thing I like about it that it uses regular batteries. I don't like charging-station mouse because: 1. If it runs low on power,...
by bertilak
Sat Apr 06, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Mouse - Scroll Wheel Question
Replies: 5
Views: 473

Re: Microsoft Wireless Mouse - Scroll Wheel Question

I recently increased the scrolling screen distance of my Microsoft Wireless Mouse ( Model 5000) and am running Windows 10 - it operates as expected for awhile and then reverts back to a less sensitive mode with diminished scrolling distance - if I "restart" my laptop it goes back to the more sensit...
by bertilak
Sat Apr 06, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Mouse - Scroll Wheel Question
Replies: 5
Views: 473

Re: Microsoft Wireless Mouse - Scroll Wheel Question

I recently increased the scrolling screen distance of my Microsoft Wireless Mouse ( Model 5000) and am running Windows 10 - it operates as expected for awhile and then reverts back to a less sensitive mode with diminished scrolling distance - if I "restart" my laptop it goes back to the more sensit...
by bertilak
Sat Apr 06, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4465

Re: Received a Ransomware email

I've had several of those pornography extortion emails. The first time it was amusing and I spent some time looking at headers, Googling, etc.. Now it just goes straight to the trash. Now, if I had a habit of visiting porn sites I might take them more seriously! In any case, they are obvious scams. ...
by bertilak
Sat Apr 06, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2175

Re: Windows 10 security software

Incendiary wrote:
Sat Apr 06, 2019 6:09 am
Are you able to scan an individual file for a virus using Defender? Like, right click on a file and request Defender scan it?
Yes.

You can also choose to scan with MalwareBytes.
by bertilak
Fri Apr 05, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2175

Re: Windows 10 security software

What is "controlled folder access" from Defender? Good question! I did not know about this. Apparently it is off by default. I turned it on to see what happens! What happened is it complained about Quicken (qw.exe) when downloading transactions using One Step Update. Quicken, and One Step Update, s...
by bertilak
Fri Apr 05, 2019 10:23 am
Forum: Personal Investments
Topic: Is 30x expenses for financial independence an after-tax or pre-tax number?
Replies: 22
Views: 2860

Re: Is 30x expenses for financial independence an after-tax or pre-tax number?

"30x expenses ... after-tax or pre-tax?"

There are a bunch of taxes: sales, income, property. I say just count them all as expenses.
by bertilak
Fri Apr 05, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Exclusions
Replies: 9
Views: 678

Re: Gift Tax Exclusions

The CPA's advice is not "bogus", it's just conservative and by the book - which is generally how you want advice from a CPA. Yes, I can see now that you and the CPA are right in that separate checks is the simplest, most straightforward, way to do things safely and correctly, even though it is not ...
by bertilak
Thu Apr 04, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4390
Views: 1144991

Re: What Movie Have You Recently Watched?

Jeff Albertson wrote:
Thu Apr 04, 2019 7:45 pm
Swearengen is back! (May 31 on HBO) Deadwood: The Movie
This is definitely on my must-see list.
by bertilak
Thu Apr 04, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2175

Re: Windows 10 security software

What is "controlled folder access" from Defender? Good question! I did not know about this. Apparently it is off by default. I turned it on to see what happens! Googling it gets a lot of places telling you how to turn it on and off. That's not too hard to figure out without any help. Discussions of...
by bertilak
Thu Apr 04, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2175

Re: Windows 10 security software

oldzey wrote:
Wed Apr 03, 2019 7:40 am
I use both Malwarebytes Premium and Windows Defender.
As do I. I think it is an excellent combination. It approaches security from two independent directions. (Orthogonal security?)

Both are continuously updating their security databases.
by bertilak
Thu Apr 04, 2019 12:45 pm
Forum: Personal Investments
Topic: Help with Vanguard Site
Replies: 11
Views: 546

Re: Help with Vanguard Site

so right now it says my money is sitting in federal money market (Settlement), I want to buy VMMXX for better yield, I click on my account, then his transact, and it shows my account the account I want to buy then it says balance and buy in dollars amount? Nothing makes any sense at this point.... ...
by bertilak
Thu Apr 04, 2019 10:30 am
Forum: Personal Investments
Topic: Help with Vanguard Site
Replies: 11
Views: 546

Re: Help with Vanguard Site

The site isn't great, it is not user friendly, for example just setting up bank accounts you have to go under this weird title of account maintenance, and then it doesn't say transfer money it says buy. I agree that something like "transfer Money" should be one of the top categories available witho...
by bertilak
Wed Apr 03, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Exclusions
Replies: 9
Views: 678

Re: Gift Tax Exclusions

The lifetime gift exclusion is now a little over $11 million per person . However, please remember that this interacts with your estate tax as well. If you plan on gifting very little and you plan on passing on very little, this is generally not a problem for most. I will gladly accept the complica...