Search found 121 matches

by Dougroseville
Thu Sep 14, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Internet phone-Help
Replies: 4
Views: 603

Re: Internet phone-Help

I would forget the fax line and use a service like OneSuite.com for faxes. I helped a Luddite neighbor replace his fax line several years ago. He uses it for inbound faxes only - cost $1 a month. I helped somebody else eliminate the fax line for their home business - mostly inbound but some outbound...
by Dougroseville
Sat Jul 22, 2017 3:49 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 6735

Re: MVNO's versus the Big 4

I am also a Ting user and I love it. My wife and I are retired, we don't talk on the phones at all, but we message and use the web (and apps). Usually, we are around Wi-Fi so we use little of our metered bandwidth. Our typical monthly bill for two phones is less than $20 - If we are on a domestic ro...
by Dougroseville
Tue Apr 18, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: TaxAct not calculating capital gain harvesting properly?
Replies: 28
Views: 2439

Re: TaxAct not calculating capital gain harvesting properly?

Has anyone tried TaxAct when dealing with capital gains harvesting? I used Taxact this year, but (because of loss carryovers) did not have a Net Long Term Capital Gain. It did, however, apparently correctly calculate a zero rate for my Qualified Dividends (we are MFJ at 15%). In at least some previ...
by Dougroseville
Sun Aug 24, 2014 12:39 am
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 46
Views: 4083

Re: Driving Trip Planning

On https://www.myscenicdrives.com you can specify the default driving time per day and give it an adjustment factor. http://www.myscenicdrives.com is great. It does not completely replace Google Maps or GPS, but it it is very good for planning a long trip to plan for being at a particular location ...
by Dougroseville
Sat May 17, 2014 1:18 am
Forum: Personal Consumer Issues
Topic: Ideas for our cross country Road Trip
Replies: 22
Views: 2439

Re: Ideas for our cross country Road Trip

Thanks again to all! Ontario REQUIRES an interprovincial card showing that you have insurance on your vehicle. Your auto insurer will provide that at no charge. Thanks.. I forgot all about this. I had one that was about 8 years old - ran to AAA to get a new one this afternoon. The old one was offic...
by Dougroseville
Fri May 16, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Ideas for our cross country Road Trip
Replies: 22
Views: 2439

Re: Ideas for our cross country Road Trip

Thanks to everyone for all the feedback so far! Wow, that is a lot of driving you will be doing each day. Not much time left for sightseeing. Actually, we dialed the mileage down a bit from previous trips.. most of our long (>400 mile) days are though territory which we have covered before. You can...
by Dougroseville
Fri May 16, 2014 1:38 am
Forum: Personal Consumer Issues
Topic: Ideas for our cross country Road Trip
Replies: 22
Views: 2439

Ideas for our cross country Road Trip

My wife and I are leaving on a 30 day, 7,000 mile cross-country road trip next week. Questions: 1. Any suggestions for classic local specialties along our route (example: I always take foreign visitors to California for a burger and fries at “In-and-Out” )? 2. I have a Nexus 5 Android phone which ge...
by Dougroseville
Sun May 04, 2014 1:47 pm
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2650

Re: Purchasing IPad and need advice

I realize that I might be outside the mainstream here, and I respect others opinions, but I would go for the 32GB. You won't run out of space on your road trip, but you might feel constrained later on (particularly if you start using your iPad for listening to podcasts or watching videos) – Yes ther...
by Dougroseville
Wed Apr 30, 2014 8:03 pm
Forum: Personal Consumer Issues
Topic: Unlocking Iphone 5 from T-Mobile.
Replies: 2
Views: 590

Re: Unlocking Iphone 5 from T-Mobile.

Howard Forums seems pretty good for this type of information. I have used it quite a bit.

Try this or a similar search in Google:
site:howardforums.com t-mobile unlock

Maybe (no firsthand experience):
http://wiki.howardforums.com/index.php/ ... e_Handsets
by Dougroseville
Wed Apr 30, 2014 3:32 am
Forum: Investing - Theory, News & General
Topic: How much allocation does one need?
Replies: 12
Views: 1563

Re: How much allocation does one need?

We've all heard the Markowitz theory that says, "92% of your portfolio's variation is explained by asset allocation. The other 8% are market-timing and security selection combined." I actually thought that it was Brinson , Hood , and Beebower , talking about Investment Policy in "Determinants of Po...
by Dougroseville
Thu Apr 17, 2014 8:38 pm
Forum: Personal Consumer Issues
Topic: Help select laptop
Replies: 21
Views: 2331

Re: Help select laptop

1. Salesperson told me a celeron or pentium processor are way behind the times and I would be better with something better. I'm not sure about this considering my needs are pretty small and I'm not very picky. I am not really a hardware person, but I would tend to agree. A good laptop is going to l...
by Dougroseville
Tue Apr 15, 2014 4:27 pm
Forum: Personal Consumer Issues
Topic: Moving to Reno: When to look for a rental?"
Replies: 12
Views: 1109

Re: Moving to Reno: When to look for a rental?"

To get some current local information, and possibly make some local contacts, you might try: Yelp Talk Meetup.com Couchsurfing.org LinkedIn.com Maybe check the housing resources at University of Nevada Reno BTW, if you are travelling light and willing to move around, you should be able to get crazy ...
by Dougroseville
Mon Apr 14, 2014 8:54 pm
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 17727

Re: KeePass vs LastPass

Leo Laporte posted an up-to-date 30 minute overview of Lastpass , on TWIT.tv today: Home » Shows » TWiT Live Specials » Episode 199: An Introduction to LastPass He covers: Creating an account, 2 Factor Authentication , Using Lastpass with multiple accounts for the same site , and more. The first co...
by Dougroseville
Mon Apr 07, 2014 11:28 pm
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 4591

Re: What to do with Win computers?

4. Can I assume that if I continue using C1 in a non-Administrator mode and avoid risque surfing, I will be reasonably safe with it? Yes..See (listen to) #1 above. Allow these are instructions for making the changes on Windows 7, the "Method 2: Convert an already-installed admin user" is basically ...
by Dougroseville
Sun Apr 06, 2014 6:03 pm
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 4591

Re: What to do with Win computers?

1. Should I keep C1 as is for a year until I am sure that the migration to C4 is complete and I can perform all desired functions? Sure. For a fairly rational discussion about continuing to use XP for a while, watch/listen to the whole this whole segment (until after then commercial part way throug...
by Dougroseville
Tue Mar 25, 2014 2:18 am
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 4042

Re: Road trip advice?

There has been some really helpful advice so far! +1 on getting the GasBuddy app for your phone or tablet. On a recent trip GasBuddy showed us that getting the same brand and grade of gas one exit earlier would save us 50 cents a gallon. I don't want to thread hijack, but I am doing a similiar (but ...
by Dougroseville
Mon Mar 24, 2014 12:23 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 3401

Re: Anyone been to Singapore?

I was flogged there once.............. :sharebeer If you were caned in Singapore, you probably deserved it. :o :!: Wikipedia Excerpt: Singaporean law allows caning to be ordered for over 30 offenses, including hostage-taking / kidnapping,robbery, gang robbery with murder, drug abuse, vandalism, rio...
by Dougroseville
Mon Mar 24, 2014 2:07 am
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 3401

Re: Anyone been to Singapore?

Make sure you take good walking shoes and walking shorts. You could have fun within walking distance of the Mandarin Oriental. One of the nice things about Singapore is that it is extremely safe. You could walk to Boat Quay or Clarke Quay any time of the day or night. If you don't live in a city wit...
by Dougroseville
Mon Mar 03, 2014 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 44804

Re: 2013 TurboTax: Which Product? New Rules?

I am another previously satisfied TurboTax user (for 10 years) who switched to TaxACT online this year because of the new pricing policy. In recent years I had typically used TurboTax Premier Online version, but this year we had a very simple return (with one Schedule D line item) and I did not like...
by Dougroseville
Mon Feb 03, 2014 10:43 pm
Forum: Personal Consumer Issues
Topic: Killer smartphone and monthly plan combo
Replies: 22
Views: 3178

Re: Killer smartphone and monthly plan combo

If I buy from the Moto X site, does the default unlocked SIM work out of the box for their $30 prepaid plan from here ? I have not done so, but I believe : The phone should work for sure based on: http://support.t-mobile.com/thread/54590 If the SIM in the box does not work you could get the correct...
by Dougroseville
Sat Feb 01, 2014 6:51 pm
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?
Replies: 18
Views: 3638

Re: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?

Thanks to all. Will take a closer look at the Karma. Still interested in hearing about any other competitors / contenders if any exist. You might want to look at Freedompop's Mifi hotspot. They claim "Free Data – Get 500MB FREE every month". Though I saw some reviews someplace that there were some ...
by Dougroseville
Sat Feb 01, 2014 4:43 am
Forum: Personal Consumer Issues
Topic: Killer smartphone and monthly plan combo
Replies: 22
Views: 3178

Re: Killer smartphone and monthly plan combo

I finally broke down and bought a smartphone. The two finalists were the Moto X and the Nexus 5. I average less than 10 minutes of talk a month, and expect to normally use it for data (and have wifi available most of the time). I will probably use it mostly for the camera, to do list, listening to p...
by Dougroseville
Sat Jan 25, 2014 3:39 pm
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use phone--rarely make calls
Replies: 64
Views: 5847

Re: Cheapest pay-per-use phone--rarely make calls

Google Voice. It's free and can be setup to forward to any number. +1 https://www.google.com/voice/ For your requirements ("e.g. for domain name registration, online registrations where a phone # is required, etc. So the idea is to pay the least amount of money to keep the phone number active."), G...
by Dougroseville
Mon Jan 20, 2014 11:36 pm
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 4197

Re: BOGLE BOBBLEHEAD AUCTION

haha, oh, sight seen I just finished the book. thanks I'll go $125
Raised to $135.
If I win it, I'll have a lot of explaining to do ("I needed a Bobblehead from that website I am always reading").
by Dougroseville
Thu Jan 09, 2014 3:19 am
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 6363

Re: Bogleheads.org Homepage

If someone wants to spend a bunch of IT neurons on something, how about a Bogleheads app for my iphone? The Feedly App works very well (actually I use it on the iPad and access the same content via the browser on different, logged on, PCs). I switched to Feedly after the demise of Google Reader. No...
by Dougroseville
Mon Dec 16, 2013 11:13 pm
Forum: Personal Consumer Issues
Topic: Bogleheads favorite Task management App?
Replies: 17
Views: 2011

Re: Bogleheads favorite Task management App?

+1 Wunderlist I have used a variety of cloud based task managements tools (some which went belly up). Wunderlist is great and the free version meets my needs very well. There are IOS and Android Apps. There are browser extensions for Chrome, Firefox, and Safari, but I just use the web interface via ...
by Dougroseville
Wed Nov 27, 2013 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax Calculator-Really good online site
Replies: 13
Views: 1783

Re: Tax Calculator-Really good online site

Be very careful using this site. It seems to be handling even some very basic things incorrectly. I entered Married Filing Jointly, and entered the only income as Long Term Capital Gains of $70,000. It showed tax liability of $7,822. It should have been zero (confirmed with https://turbotax.intuit.c...
by Dougroseville
Mon Nov 25, 2013 10:24 pm
Forum: Personal Consumer Issues
Topic: Will an iPad be cheaper now (Black Friday) or in January?
Replies: 12
Views: 1861

Re: Will an iPad be cheaper now (Black Friday) or in January

I know that Mobster has already made up his mind, but for other bogleheads, I think the best deal around right now for a tablet (for browsing, travel, and anything not related to content creation) is the Nexus 7 32 GB with a T-mobile data plan. https://play.google.com/store/devices/details/Nexus_7_3...
by Dougroseville
Thu Nov 21, 2013 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Postpone Social Security to convert some tIRA to Roth?
Replies: 18
Views: 1683

Re: Postpone Social Security to convert some tIRA to Roth?

gerntz wrote:Besides doing Roth conversions, you could take LTCG & get those taxed Federally at 0% up to $72K taxable income.
Only if he follows Gotlucky's advice and gets married.
by Dougroseville
Thu Nov 07, 2013 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation and international
Replies: 1
Views: 297

Re: asset allocation and international

Hi Yann, Welcome. I would suggest looking at the following: http://www.bogleheads.org/wiki/Getting_Started http://www.bogleheads.org/wiki/Category:Asset_allocation http://www.bogleheads.org/wiki/Asset_allocation I would also suggest finding a copy of "The Four Pillars of Investing" or one of the oth...
by Dougroseville
Sat Nov 02, 2013 6:38 pm
Forum: Personal Consumer Issues
Topic: iGoogle alternatives?
Replies: 21
Views: 3067

Re: iGoogle alternatives?

I was never a big user of iGoogle, but have helped wean some neighbors off of it. Google News and Feedly work great for me (along with bookmarks on an exposed bookmark bar). Many people could benefit by using the Chrome Browser and learning some basic Chrome Tips and Tricks (such as pinning frequent...
by Dougroseville
Sat Sep 21, 2013 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: When budgeting, do you take a yearly or monthly view?
Replies: 16
Views: 1818

Re: When budgeting, do you take a yearly or monthly view?

We do our budgeting on an annual basis, because we pay some of our biggest expenses (property tax, auto insurance, homeowners insurance) once a year. We are retired (at 50) and use a fairly conservative withdrawal rate. We don't budget for things like replacing the HVAC system or buying a new car, b...
by Dougroseville
Sat Aug 24, 2013 11:57 pm
Forum: Personal Consumer Issues
Topic: After retirement...Sphone? Tablet? Laptop? All?
Replies: 27
Views: 2259

Re: After retirement...Sphone? Tablet? Laptop? All?

laptop,kindle,trakphone Thanks for the replays....I am leaning toward gerrym with a laptop, kindle or nook and a trakphone. Laptop may be a bit more cumbersome than a little tablet, but wi-fi seems to be petty commonly available. Anybody think I would be shorting myself somehow with those items onl...
by Dougroseville
Sat Aug 24, 2013 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Is there a tax implication if a relative wire transfers fund
Replies: 23
Views: 8752

Re: Is there a tax implication if a relative wire transfers

Also, folks open bank accounts online all the time without having to be present to sign. How does that happen? I believe the online banks typically pull a credit report to validate the relationship between the Social Security number, name, and address. If there is a problem validating the informati...
by Dougroseville
Wed Aug 21, 2013 5:57 pm
Forum: Personal Consumer Issues
Topic: Door to door annoyances--easy way to stop?
Replies: 60
Views: 5636

Re: Door to door annoyances--easy way to stop?

I just don't answer the door.... (and variants)..
Since potential burglars frequently case your house first (Google: door knock burglaries), it is almost always best to acknowledge the person at the door.

Yell something like "We both have the flu and we don't want anything" or "No thank you".
by Dougroseville
Sun Aug 18, 2013 5:57 pm
Forum: Personal Consumer Issues
Topic: How to get to the 21st communication century--sort of
Replies: 39
Views: 2300

Re: How to get to the 21st communication century--sort of

Maybe I should have a smart phone, but the screens are quite small, plus I don't need the telephone service and their recurring phone bills, but if recurring phone bills will let me keep in touch, then okay. Maybe a tablet? I have no idea. My wife and I have two laptops, a netbook, and an iPad. Whi...
by Dougroseville
Sat Aug 17, 2013 10:56 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on investment clubs
Replies: 21
Views: 2529

Re: Thoughts on investment clubs

It might might be worthwhile to have a Bogleheads wiki entry on Investment Clubs, with some sections like "Are Investment Clubs Worth Joining", and "Investment Club Performance" to try and save some people from the experience. I was a member of an NAIC club for several years, and while I enjoyed the...
by Dougroseville
Sat Aug 10, 2013 8:12 pm
Forum: Personal Consumer Issues
Topic: Clearing car "Check Engine" light
Replies: 51
Views: 24562

Re: Clearing car "Check Engine" light

I've used this one several times. It cheap and doesn't do any fancy logging, but its reads codes and can clear them. Use google to translate the error codes. http://www.amazon.com/Autel-MaxiScan-MS300-Diagnostic-Vehicles/dp/B001LHVOVK/ref=sr_1_1?ie=UTF8&qid=1376174567&sr=8-1&keywords=obdII I have t...
by Dougroseville
Sun Jul 21, 2013 11:50 pm
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 6752

Re: Road trip: Chicago to Yellowstone

Any suggestions are welcome! Once you get your tentative route nailed down, use the state maps from http://www.roadsideamerica.com/location/ to see if there are any opportunistic sites you should see along the way. My wife and I always do this on road trips and we have seen some really interesting ...
by Dougroseville
Mon Jul 01, 2013 10:30 pm
Forum: Personal Consumer Issues
Topic: Cruise recommendations
Replies: 14
Views: 1939

Re: Cruise recommendations

Does anybody use cruisecritic.com? My wife and I became involved with the CruiseCritic group on our last cruise from San Francisco to Fort Lauderdale via the Panama Canal. In the CruiseCritic “Roll Calls” (which you may need to register to participate in) you communicate with people who will be wit...
by Dougroseville
Sun Jun 30, 2013 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Best asset allocation book to read?
Replies: 21
Views: 9654

Re: Best asset allocation book to read?

I read "The Intelligent Asset Allocator" first, and "All About Asset Allocation" second. "The Intelligent Asset Allocator" is a good book if you are math inclined. However, I think it may have made me be inclined to over slice-and-dice my portfolio. I recommend starting with "All About Asset Allocat...
by Dougroseville
Tue Jun 25, 2013 1:24 pm
Forum: Personal Consumer Issues
Topic: Good email program suggestions
Replies: 41
Views: 3171

Re: Good email program suggestions

Windows Livemail is a choice to consider since it can handle using multiple servers. This is now for people who have a corporate email account and a personal gmail or hotmail account. I agree. If you are on the Windows platform, Windows Live Mail is a free email client that works well with gmail, h...
by Dougroseville
Wed Jun 12, 2013 3:14 pm
Forum: Personal Consumer Issues
Topic: Business Travel to Tijuana/Tecate/Ensenada
Replies: 35
Views: 3351

Re: Business Travel to Tijuana/Tecate/Ensenada

Any thoughts? I would be very inclined to do it. IF you are offered it, you might want to do some due diligence on how it might impact your lifestyle. Find out whether your company has any Cultural Orientation resources (workshops, books, etc.) for Mexico. See if you can talk to, stay in similar ac...
by Dougroseville
Sun Jun 09, 2013 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Tap IRA early or use SS early ??
Replies: 121
Views: 9973

Re: Tap IRA early or use SS early ??

I sure wish I had found Mike's "Made Simple" series of books a couple of years earlier! I agree, and in this case we are talking specifically about the inexpensive and easy to read: "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages ...
by Dougroseville
Thu Jun 06, 2013 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone here have experience buying tax liens?
Replies: 5
Views: 772

Re: Does anyone here have experience buying tax liens?

I don't have any direct experience, but I have a good friend who has been buying them for several years. Some have paid off, some are still outstanding. It seems like there are a lot of competing buyers and rules vary by jurisdiction. Wall Street Finds Lucrative Market In Tax Liens http://www.npr.or...
by Dougroseville
Thu Jun 06, 2013 12:33 am
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 56639

Re: Premium Products That Are Worth It To You

Our premium product (besides iPads, Sonicare toothbrushes, and Michelin tires) is Barleans Highest Lignan Flax Oil Liquid - 100% Organic. Its list price is $39.95 a quart, but we buy 6 at a time online (and freeze them) for about $32 a quart. What makes it unique is that it actually tastes good. Yea...
by Dougroseville
Tue Jun 04, 2013 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy reply from employer re 401k Index funds
Replies: 66
Views: 10377

Re: Crazy reply from employer re 401k Index funds

I neglected to add that the emails to me have a big CONFIDENTIALITY NOTICE on the bottom saying it is to be viewed by me only. Why is this is such a big secret? So I am subject to firing, ....birdy In some states you definitely would be subject to firing. I strongly recommend that you don't mention...
by Dougroseville
Mon Jun 03, 2013 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: when do you need umbrella insurance?
Replies: 24
Views: 2812

Re: when do you need umbrella insurance?

I've been quoted $230 for $2M in coverage from the same agency that provides our auto/home insurance. Is that a reasonable price? Thanks. Seems reasonable. I am paying $260 a year for $2M. We don't have a pool, high risk hobbies, or teenage drivers. We do live across the street from a golf course t...
by Dougroseville
Sat Jun 01, 2013 4:11 pm
Forum: Personal Consumer Issues
Topic: Bourbon/Tequila online
Replies: 4
Views: 990

Re: Bourbon/Tequila online

I would be fairly cautious about trying to have an online retailer deliver alcohol to a foreign country, there are so many things that could result in surprise complications (rules, taxes on delivery, loss, shipping delays, etc.). I am fairly certain that New Delhi has inbound duty free. I just chec...
by Dougroseville
Wed May 29, 2013 8:08 pm
Forum: Investing - Theory, News & General
Topic: "Only 10 stocks in the S&P went up in 2012." Not.
Replies: 20
Views: 1910

Re: "Only 10 stocks in the S&P went up in 2012." Not.

I can't imagine why I'm wasting my time on this. A site which I will not name or link to, which is connected with a site which describes itself as "conservative," has an article, "Expert Predicts 399% Stock Market Rally." The expert informs us that "Stocks trade in 15-year cycles.... This site and ...