Bogleheads.org

EZ James

I get an implied interest rate of 7% for the period-certain annuities. You’d have to use annuity tables to evaluate the life annuity. Please double-check me, I’m not 100% certain of those figures, my trusty HP-12C is not handy. 7% is not a bad rate of return these days - if you took the $19k you’d ...

EZ James

I recall reading in the mid-nineties that the Getty foundation directors were convinced the SP 500 was about to dump so they bought portfolio insurance. That resulted in a 500 M loss when the market went against them.

EZ James

Correction: She suggested 1-1-1-1 which is equally risky and probably worthless.

EZ James

I just asked Tracfone via online chat for their default SIM PIN. The agent did not know what I was talking about and suggested 1-1-1 might work

EZ James

I suggest you get actual performance numbers and other important information. Here is one source that covers hundreds if not thousands of toilet models: https://www.map-testing.com/downloads.html The Toto Drake is not unique. They have about a dozen variants and some of them have only 600-800 g of w...

EZ James

Gave away my 6s + in favor of the SE from Tracfone nearly 3 yrs ago. The smaller size and weight makes it a much better toy for my use. And running 13.1 beta 3 in dark mode makes it better yet.

Meant to say IOS 13.1 beta 3

EZ James

GPS May be running silently in the background. I had that problem due to a navigation app not being properly closed even though I had tapped the exit button. GPS will drain your battery in a hurry.

I would not replace the battery unless the battery health drops to the low eighties percent.

EZ James

I am not a lawyer and only skimmed this article. Basically in CA anything over 10% would be usury if they article is correct. The penalty is severe financially and up to 5 yrs in prison if they nail you for “loan sharking”. https://nvlawllp.com/wp-content/uploads/2018/05/California-Usury-Law-Speed-B...

EZ James

Just want to let you all know I decided the Orbi is not for me. I spent the last couple days checking download speeds and power densities at various locations in the house and decided that, although the power levels are higher the speeds are about the same. I don’t need the extra range it provides. ...

EZ James

I am not recommending Orbi..just telling my experience with it. No problems so far. That device fills the house with enough RF to blow the doors off. This evening I made power measurements in actual dbm units for the various channels and bands both upstairs and downstairs and watched it select the b...

EZ James

SandysDad wrote: ↑
Thu Aug 15, 2019 8:56 pm
Return it and get a Linksys Velop TRI-BAND. Zero problems or headaches.

Hey this thing was only $150 bucks, it is TRI-BAND and is functioning as advertised.

EZ James

Yesterday evening I was in Costco planning to get TP-Link Deco M9 router but there were none. There was, however an Orbi router with one satellite that jumped in my basket and refused to leave. I decided to adopt it. When I got home I set it up with the Orbi app with no problems...it was an amazing...

EZ James

I just now enabled the LAN controller in BIOS and am now connected through that port. So the problem is now fixed provided the satellite is continuing to broadcast WIFI. I think speed tests in another room is good enough to confirm that. If I understand your original post, you purchased the 2 unit R...

EZ James

Yesterday evening I was in Costco planning to get TP-Link Deco M9 router but there were none. There was, however an Orbi router with one satellite that jumped in my basket and refused to leave. I decided to adopt it. When I got home I set it up with the Orbi app with no problems...it was an amazingl...

EZ James

It sure looks like glass. Any chance you could snip a sample and see if you can melt it with a propane torch or similar?

EZ James

I had a 2003 Matrix...same as your Vibe. Great car...fun to drive. Then a 2010 Matrix. Very sedate & boring. Hated the obtrusive side mirrors. They were huge and positioned such that I could not look over, around or under the blindspot. They chintzed out on the visors. The driver visor did not come ...

EZ James

I am in CA and the restrictions on windshield mounting made it impossible for me to mount a dashcam in a location acceptable to me. Instead I chose to mount one on the left dash and one on the rear window using GRIPEZ pads. These are extremely sticky on both sides and can be re-used. Ten for ten buc...

EZ James

Curlydave: Thank you for your detailed thoughts. The DTT2Z tension tie width (1-5/8”)and hole location ( CL at 13/16”)would require a 1” vertical shim to be flush with stud. Not sure that is allowable. I would be more comfortable with a heavy U-shaped part to go across the sill from stud-to-stud. I ...

EZ James

I am not particularly comfortable with foreign bonds in my Target Income fund but yesterday as I was throwing out a 2006 newspaper I skimmed an article by Paul Orfelea, founder of Kinko's. His thesis was energy, and mentioned that if and when oil is no longer traded in dollars, you will want to have...

EZ James

I have no experience with the Extreme but this link shows how to enable the guest network on that unit:

https://www.thegeekpub.com/5191/use-air ... idge-mode/

EZ James

Thanks to all of you for your opinions and clarification of my nomenclature. Also thanks to barnaclebod for the interesting link on earthquake retrofitting. I am puzzled as to how the wall could have been in the “rotated” position without bending or shearing the right-hand bolt. I should have looked...

EZ James

My house has been damaged and the person that damaged it has proposed that he repair rather than submit an insurance claim. I am concerned that a home inspector or future prospective buyer might consider this an unacceptable fix. Cause of damage: The neighbor backed his car into to the corner of my ...

EZ James

You can get a new SE with 60 days service and activation from Tracfone for $175. Fine for light usage and you can buy time, data and texts as needed. I love it for the size and light weight...and it's fast.

EZ James

Sstill grasping at straws here...I wonder if each file is being checked by a security program before it can be moved. You could see what processes are soaking up resources with Task Manager and what percentage of load they are running at for possible clues. You might also consider disabling any ant;...

EZ James

The downside for NOT indexing will be slow access for many files and that was the basis of your complaint. The only downsides I can think of FOR indexing it that initially it may take a long time for the process to complete. That process can run in the background so it’s not a big downside. After th...

EZ James

As somebody else mentioned, this may be an indexing problem.

I suggest you:
1. Tap the windows key + S
2. Type indexing
3. Select desired options.

EZ James

UPDATE: I learned that the monitors are not subject to the same return restrictions as computers at Costco so I purchased the UHD model and can return the HD model. Setup was difficult as Windows 10 did not initially recognize the UHD resolution. Eventually I made a custom profile that works althoug...

EZ James

quantAndHold; Your post snuck in while I was typing my last. Thanks for the information even though it's too late to act. I'm used to the display now and will be content as long as I don't view any better ones. If comes to the point where I can't live without a better monitor, I will buy it and give...

EZ James

I just checked my calendar and see that the return period has passed so I am no longer entitled to exchange for an UHD monitor.

Thanks to all who replied.

EZ James

I'm not sure I can appreciate the higher res with my vision but I guess the only way to find out is buy the darn thing. If they had decent demos that would not be necessary. I also have a 2012 Macbookair 11" and don't know the res but I love it. It's faster than my 2016 Dell with an I5 processor for...

EZ James

Yeah, I hear ya. You can always zoom...maybe even change fonts but it's kind of a nuisance .

I looking for someone who actually has one and says it's the greatest improvement ever or that's it's just a little nicer and the small text is a problem for old eyes.

Thanks for your input.

EZ James

I have vision issues and want the best budget priced monitor I can find. Costco had the 32" LGMA70HY-P HD unit for $150 in December and the LG32UK50T-W unit for $350. One thing that swayed me to the HD unit is that it advertised an IPS screen where the Costco ad for UHD unit did not mention it. Goin...

EZ James

I am also single and doing this for my heir but it's costing me a lot to do so. I have gone from 9 banks and two credit unions plus Vanguard to two banks, one credit union and Vanguard. Everything is titled POD except for one local bank which can be tapped for probate expenses. I have a house that I...

EZ James

Another factor to consider is that the existing ceiling probably contains asbestos due to the date it was installed. Excerpt from: https://www.asbestos.net/asbestos/products/drywall/ "Today’s drywall sheets, tape and joint compounds are also safe to work with. That wasn’t the case with earlier drywa...

EZ James

My 2017 RAV4 has a section somewhere in one of the stack of owners manuals about the rear bumper. From memory, they caution against letting any cargo rest on the rear bumper for fear of damage to sensors. So I'd be concerned if it got banged even without leaving a mark. I imagine other cars with son...

EZ James

Thank you very much for the link and math Kevin. For so many years I have been using the wrong yield number! The term "annualized" is what threw me as I thought that implied compounding and did not drill down to the details in your link. I am mostly in fixed income so this is significant. Thanks aga...

EZ James

I am confused by the first sentence in the OP: "Vanguard Prime Money Market SEC yield now is 2.48%, which is a compound yield of 2.51%. The compound yield is what you'd use to compare to the APY (annual percentage yield) of a bank account, which is why the post title says the yield is over 2.5%." Th...

EZ James

I got a 2017 RAV4 Platinum new in Oct just before the 2018 models shipped. My criteria was: 1. Maximum driver assist and safety technology 2. No turbo 3. 2WD 4. Able to handle thin 8 ft cargo (fish rods, 2x4s) plus big boxes with rear seats folded down 5. Dealer must provide 4 types of coffee, 3 typ...

EZ James

My Maytag toploader has run for 35 years without problems until this week. It now has an intermittent water leak underneath but the machine still washes well.

EZ James

I use Google Voice with an Obihai digital adapter.

Free local and LD but no 911 unless you add it for a small fee.

I never get telemarketers or any unwanted calls.

EZ James

I thought Quicken dropped the .QIF format years ago because they could not make it handle transfers correctly. IIRC sometimes it worked but not always.

EZ

EZ James

I sent a response a few hours ago but it has not shown for whatever reason so I'll summarize. I opened it and discovered two empty USPS Priority envelopes so it's likely some kind of a seller scam to generate phony positive reviews on something as several of you mentioned. Sorry it was so mundane. I...

EZ James

I will open it tomorrow unless someone gives a good reason not to. Or maybe I should have my sidekick to that in case it's laced with anthrax. (J/K)

EZ

EZ James

I doubt if it's a gift. Feels like several pages of 8.5x11 paper folded double.

EZ

EZ James

Somebody invested $6.70 to mail this to my house but with no recipient named. The sender is also not identified but there is a return address scrawled by pen. The mailing is trackable and insured. Google maps initially showed the address to be a playground which just happened to be near UW, and I di...

EZ James

Going from a hazy memory here..I think it was around the year 2000 when Fidelity Magellan had huge capital gains distributions. Seems like it was around $25/shr or perhaps 25%/ shr. So I poked around with google and was unable to substantiate this but found something more shocking...94% for another ...

EZ James

2015: Thankfully I had both paper and digital copies. The bank did not care but it supported my request for a court order.

EZ James

As executor I had a problem with removal of a beneficiary from a POD on file with an online bank. This was for a CD worth $27k. My proof was my record of a Faxed bank form having been successfully transmitted while I was POA before the owner died. Despite endless dialogue with various workers and ma...

EZ James

If you want to replace the batteries yourself this You Tube link shows the details. You'd need soldering gear and a T8 screwdriver.

https://www.youtube.com/watch?v=GmeKo4xM-5E

EZ James

I have low-option insurance with GEHA and asked if they would pay anything for HAs purchased at Costco. The answer was they would pay up to $2500 per 3 yr period. I picked up the hardware a few days ago and the total was a bit under $3k but the improvement in my hearing was enough that I would have ...

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