Search found 33 matches

by ramink
Sat Feb 06, 2021 4:54 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4522

Re: Laptop Decision

As far as the new M1 Macs go, Depending on what you use the laptop for - If routine web browsing, home/office stuff, 8 gb should be fine. If you are planning to do heavy video/photo editing - you can upgrade to 16gb. Also memory on the new Macs is faster and closely integrated with the rest of the c...
by ramink
Fri Jan 22, 2021 12:27 am
Forum: Personal Consumer Issues
Topic: Anyone have the new Apple M1 MacBook?
Replies: 28
Views: 2867

Re: Anyone have the new Apple M1 MacBook?

Love the new MacBook M1. Couldn't resist those Microcenter deals! The performance and battery life even on the base 8GB MacBook Air really puts the rest of the industry to shame. Although it is the cheapest Apple laptop, everything about it screams premium. As far as spreadsheets go, Excel is the ki...
by ramink
Thu Feb 16, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Sling TV: internet speed needed
Replies: 3
Views: 972

Re: Sling TV: internet speed needed

The maximum streaming speed on Sling TV is 4.7 Mb/s for ESPN, ESPN2 and Disney. All other channels are at a maximum of 3.7 Mb/s
Not sure about DSL but most cable services have adequate speed without the need to pay extra for higher speeds
by ramink
Wed Jan 18, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 25777

Re: Best Financial Moves You've Made

Sure lived below my means, contributed to 401(k) from Day 1, Roth and HSA when at the earliest available opportunity, read "Random Walk down the Wall street" and got the religion etc. But the one that Trumps :) them all is coming to America!
by ramink
Thu Mar 01, 2012 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Funds Fee Changes
Replies: 40
Views: 5016

Re: Vanguard International Fund Changes

Wish they had also eliminated (or reduced) the fee for intl small cap index fund as well - 0.75% is a little too high.
by ramink
Mon Jan 23, 2012 12:14 am
Forum: Personal Consumer Issues
Topic: I think NY Giant coach Tom Coughlin is a Boglehead
Replies: 29
Views: 2852

Re: I think NY Giant coach Tom Coughlin is a Boglehead

Eli was getting pounded by the Niners D. The game was lost with two uncharacteristic turnovers... One unforced I might add. Luck was on their side for sure. Luck is what happens when preparation and opportunity meet. Two very good teams. jb Luck is also in the way the ball bounces. Literally in thi...
by ramink
Sun Jan 15, 2012 8:22 pm
Forum: Personal Consumer Issues
Topic: Do you own Apple products?
Replies: 114
Views: 8292

Re: Do you own Apple products?

Own a macbook from 2006. Used to own a ipod (2nd gen, I think) that was stolen and a iphone (the very first one) that I ended up giving away as AT&T sucks where I live.
Looking to buy an Ipad when the new one comes out. However my next laptop will likely be a thinkpad
by ramink
Sun Mar 27, 2011 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k)?
Replies: 17
Views: 1791

Bob's not my name wrote:Ah, so the AGI limitation is doubly painful because your wife is otherwise eligible for a deductible TIRA contribution. Nothing you can do further to reduce your AGI?
Afraid not. I have used up my losses in the last 2 years.
by ramink
Sun Mar 27, 2011 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k)?
Replies: 17
Views: 1791

I infer that the IRA is substantial so a back door Roth IRA isn't an option for you. We haven't established this, either. From this our I infer he's speaking for a couple, so the IRA he mentions might be only one person's, so the other might still do a back door Roth. It's even possible he can mana...
by ramink
Sun Mar 27, 2011 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k)?
Replies: 17
Views: 1791

Roth 401(k)?

Today's article in WSJ Higher Taxes Loom for 401(k) Savers http://online.wsj.com/article/SB10001424052748704474804576225332205561442.html#mod=sunday_journal_primary_hs got me thinking I am going to be ineligible (due to higher AGI) for Roth IRA this year (and hopefully beyond :)). Should I consider ...
by ramink
Mon Feb 28, 2011 4:06 pm
Forum: Personal Consumer Issues
Topic: Mobile 3G hotspot on Droid phone
Replies: 11
Views: 5945

usb tethering is the best

I have used usb and bluetooth tethering using pdanet as well as wireless tether (after rooting my droid - I wouldn't recommend it if you are not tech savy). Bluetooth is totally flakey. Wireless tethering works but freezes frequently and not worth the risk of rooting your phone. Usb tethering works ...
by ramink
Sun Sep 05, 2010 8:42 pm
Forum: Personal Consumer Issues
Topic: BCS Picks
Replies: 836
Views: 102827

VT

Sorry I joined this thread late. Since VT hasn't played its first game yet - My picks FWIW VT vs Winner of IOWA vs Wisconsin This year SEC and Big 12 champions will have at least one loss (There is nothing Big 12 Refs will be able to do about it this time :) ) This Boise State media lovefest is goin...
by ramink
Tue Jan 12, 2010 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy 2010 I Bonds
Replies: 47
Views: 11748

April and October

In times such as now when the real yields are so low, I feel April and October are the best months to buy I Bonds as you have an estimate of the return for 11 months ahead. I would treat them as short term investments and compare the returns constantly with CD yields. If the real yields were attract...
by ramink
Mon Sep 21, 2009 12:51 pm
Forum: Personal Consumer Issues
Topic: Collge Football - Nebraska Fans
Replies: 7
Views: 1988

Condolences

My condolences to Nebraska fans. Looks like you guys were jobbed by the refs. As exciting as it was for us hokie fans, I am not sure if we deserved the win. Hopefully with Suh and your defense, you will win Big 12.
Excuse me - I have to get back to that Media darling Miami!
by ramink
Thu Sep 17, 2009 3:20 pm
Forum: Personal Consumer Issues
Topic: Collge Football - Nebraska Fans
Replies: 7
Views: 1988

Re: Collge Football - Nebraska Fans

they might win the north, but there are six teams in the south better than Nebraska. Really? A&M? Baylor? Since Nebraska plays Baylor on the road and Texas Tech and Ok at home, I wouldn't be surprised if they win them all (esp. Ok with that offensive line) Assuming that Nebraska faces Texas in ...
by ramink
Thu Sep 17, 2009 2:57 pm
Forum: Personal Consumer Issues
Topic: Collge Football - Nebraska Fans
Replies: 7
Views: 1988

Collge Football - Nebraska Fans

Welcome to Blacksburg this weekend. Since our losss to Alabama, we have been written off and this game is being underhyped. This should be a good one. Hope you go on to win the Big 12 this year (after losing to us of course :wink: ).
by ramink
Thu Jun 25, 2009 4:48 pm
Forum: Personal Consumer Issues
Topic: Windows 7 OS upgrade $49 limited time
Replies: 19
Views: 4015

Re: Windows 7 OS upgrade $49 limited time

http://www.cnn.com/2009/TECH/ptech/06/25/cnet.windows7.pricing.upgrade/index.html Windows 7 has been receiving excellent reviews, MUCH better than Vista, so I was sorely tempted to enter my pre-order. I contemplated this for a few minutes and decided NOT to buy it. My PC is 5 years old and would ne...
by ramink
Tue Jun 02, 2009 2:20 pm
Forum: Personal Investments
Topic: Help me cash my IBond from 2008
Replies: 15
Views: 3868

I also bought 5k of I bond back in April 08. So what if I redeem it on July 1, 2009? We will all laugh at you. Assuming you don't need the money right now and haven't found a something better than a 6.15% guaranteed interest rate, why would you reedem before Jan 1, 2010? Shouldn't Dec. 1st be the e...
by ramink
Wed Apr 15, 2009 11:30 am
Forum: Personal Investments
Topic: ETF data sites
Replies: 5
Views: 1074

Charles Mahaffey wrote:www.indexuniverse.com has a screener that can be used for index funds and etfs. This should be just what you are looking for.
Yes - indexuniverse is perfect. I had visited the site before. Never noticed the screener.. Thanks for the tip
by ramink
Wed Apr 15, 2009 10:19 am
Forum: Personal Investments
Topic: ETF data sites
Replies: 5
Views: 1074

ETF data sites

What is your favorite site to screen/browse ETF information? I am looking for a site which allows me to sort ETFs by size (with most current data). Most of the ETF vendor sites don't seem to be keen on making this information easy to sort. I have checked out etfconnect and morningstar. etfconnect se...
by ramink
Fri Sep 05, 2008 2:24 pm
Forum: Personal Consumer Issues
Topic: Which Mac is right for me?
Replies: 18
Views: 6079

Virtual Box

BTW, You don't need to buy Parallels. Virtual box which is free works just fine. http://www.virtualbox.org
by ramink
Fri Aug 29, 2008 1:05 pm
Forum: Personal Consumer Issues
Topic: Which college football team will win the BCS Title Game?
Replies: 596
Views: 107521

Go Hokies!

Virginia Tech Hokies - We have easy schedule this year. Hope we make the best of it!
by ramink
Tue May 06, 2008 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Expected Longevity of a car
Replies: 17
Views: 4715

Expected Longevity of a car

What is the expected longevity of an average car? I drive a 13.5 year old Toyota Corolla with 148K miles on it. I expect to drive 11K miles a year for the next few years as well. I am trying to plan for its replacement. My car is in good condition - About 10 years ago, the car was flooded a couple o...
by ramink
Thu Mar 06, 2008 4:21 pm
Forum: Personal Investments
Topic: Blackstone tax headache
Replies: 1
Views: 2776

Blackstone tax headache

Last year I purchased Blackstone stock - My second ever investment blunder (The first was Enron eons ago). Don't ask me why a diehard would ever go there. Perhaps I really drank the Kool-Aid about Private equity being an alternative and non-correlated asset class - who knows?! Since it is their firs...
by ramink
Mon Dec 24, 2007 6:36 pm
Forum: Investing - Theory, News & General
Topic: Phase out TIPS?
Replies: 9
Views: 3683

Short term Bonds

I personally doubt if the treasury will retire TIPS. I understand they currently use it to gauge market's inflation expectations. This information could be used to determine issuance allocations (how much money to raise through bonds of various maturities) Should the TIPS be retired in the future, s...
by ramink
Wed Nov 14, 2007 4:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Preliminary 2007 Capital Gains Estimates
Replies: 8
Views: 2806

It is impressive that all but one index fund have no capital gains. Although I am puzzled how the developed markets index can have a capital gain (however piddly) when its components (EU and Pacific stk index) don't. Could this be due to their rebalancing between the two components?
by ramink
Mon Nov 05, 2007 10:05 pm
Forum: Investing - Theory, News & General
Topic: ETF Spreads
Replies: 14
Views: 3991

Update moneycentral.com does have spreads (with a 20 min delay I guess). I was impressed that spread was 10bps or less for DGS (and 5-7bps for DRW). The closing NAV is at about +15 bps. The real time NAV is harder to get. Total assets for DGS is now 25 million (from 10 million last week). Thanks fo...
by ramink
Sun Nov 04, 2007 1:58 pm
Forum: Investing - Theory, News & General
Topic: ETF Spreads
Replies: 14
Views: 3991

Thanks for the replies livesoft - Don't have an online account - too many restrictions DaveTH - I do need to call the broker personally - But based on my past experiences with him, I don't trust him. He is more likely to try to push me to buy at current price to save him time. stan1 - Agree. Limit o...
by ramink
Sun Nov 04, 2007 1:12 pm
Forum: Investing - Theory, News & General
Topic: ETF Spreads
Replies: 14
Views: 3991

ETF Spreads

Between my 401(k) and other holdings at Vanguard and Bridgeway, I have access to most asset classes at low costs - except the following Intl Real Estate Emerging Markets Small cap For Intl Real Estate the State Street ETF (RWX) seems to be good and liquid but I like the Wisdom Tree ETFs DRW (Intl RE...
by ramink
Sun Oct 28, 2007 5:36 pm
Forum: Personal Investments
Topic: Cost Basis and Spinoff/Split tracking
Replies: 1
Views: 817

Cost Basis and Spinoff/Split tracking

I would like to use the current turmoil in financial stocks to do a tax related sale I have been putting off for years because it was hard to compute the basis of this stock I own. I bought it with every paycheck through employee stock purchase plan. A portion of the purchase was discounted, dividen...
by ramink
Mon Oct 15, 2007 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which Linux distro are you using?
Replies: 57
Views: 19414

After a long hiatus since 2001, I have started to use linux again. I use ubuntu now. I used to use 1995 - Slackware 1996-98 Redhat 1998-2001 Mandrake I have played with debian and gentoo in the past. I stopped using linux since 2001 as I realized I was spending too much time doing sys admin tasks. I...
by ramink
Thu Oct 11, 2007 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Term Life
Replies: 6
Views: 2120

Term Life

Hi all, I am looking to replace my Group Universal Life policy at work with a term life policy. I am not eligible for USAA. What is the next best option? I tried a couple of online quote sites. Many of them come up with AIG... Seems highly rated. My criteria is highest rated co. and lowest cost. Any...