Search found 2511 matches

by NAVigator
Wed Mar 13, 2024 7:31 pm
Forum: Personal Consumer Issues
Topic: Ooma Phone Service
Replies: 40
Views: 3418

Re: Ooma Phone Service

One basic thing that I don't believe was mentioned is this; the Ooma Telo (the VoIP device) only needs the connection to the internet, it is not necessary to have a computer on in order to use it.
by NAVigator
Tue Mar 12, 2024 3:55 pm
Forum: Personal Consumer Issues
Topic: Ooma Phone Service
Replies: 40
Views: 3418

Re: Ooma Phone Service

The transfer of the phone number from the telco to Ooma is really up to the local company. I can't remember how long it took, but it wasn't so long that it stuck in my memory. :? I think it was the same day.
by NAVigator
Tue Mar 12, 2024 1:40 pm
Forum: Personal Consumer Issues
Topic: Ooma Phone Service
Replies: 40
Views: 3418

Re: Ooma Phone Service

I have the volume levels with Ooma (a VoIP system over the internet) to be the same as a landline (over wires). I have been on an extended call as I am typing this and currently listening to the "music on hold" at surprising volume. (-: Several people have mentioned the "cost". The cost of around $6 is actually NOT for Ooma, but rather for 911. Ooma collects the 911 fee which goes to the state and the cost is regulated by the state. The Telo device is the interface to the internet and connects to the router, and this is often sold by Ooma at a discount. If you want to keep your existing phone number, there is a small one-time cost to transfer it. There is no cost for Basic service and a monthly cost for the optional Prem...
by NAVigator
Mon Mar 11, 2024 3:33 pm
Forum: Personal Consumer Issues
Topic: Cox Voice Preferred vs OOMA-type services
Replies: 4
Views: 592

Re: Cox Voice Preferred vs OOMA-type services

I've used Ooma for about 10 years now. I have had Premier but found that Basic service is fine for me. I have been pleased with the service and the money I have saved. Here is the comparison between the two tiers;

https://www.ooma.com/home-phone/plans


The Telo Voip device connects to your existing internet router. You can use a wired phone or Dect 6 portable phones which is what I have throughout my home. I paid a one-time fee to transition my old phone number to Ooma to avoid the need to change phone numbers anywhere.

I particularly like that voicemail messages are also sent as an email attachment (mp3) so you can pick up you messages anywhere.
by NAVigator
Mon Feb 05, 2024 11:09 am
Forum: Investing - Theory, News & General
Topic: How Taylor Larimore made a difference in my financial life - Salute to Taylor's 100th
Replies: 53
Views: 10224

Re: How Taylor Larimore made a difference in my financial life - Salute to Taylor's 100th

I am so grateful for all I have learned from the Bogleheads and mostly from Taylor's presence on this fine forum. When views seem to become discordant, one can always count on Taylor's voice of reason to appear with an appropriate quote from Jack. Finding the Diehards on M* and following the BH changed my random investing into a disciplined approach with the results I enjoy today. Taylor's consistent guidance was always helpful.
by NAVigator
Fri Jan 26, 2024 4:04 pm
Forum: US Chapters
Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Replies: 429
Views: 41899

Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂

Taylor, Your life, so well lived, has affected so many thousands of others. Thank you for this most valuable example and sharing your financial insights. Congratulations on circumnavigating the sun so many times!
by NAVigator
Mon Jan 15, 2024 2:07 pm
Forum: Personal Consumer Issues
Topic: Does Anyone Play GO?
Replies: 20
Views: 2490

Re: Does Anyone Play GO?

I don't play yet but thought about learning. I was strolling through a charity resale place and spotted a full sized wood GO board, which I bought for $15. When I was checking out, I asked about the stones and was told they were sold as something to place in a flower vase. I subsequently bought stones and a book. I thought it would be best to create the book image on a real board to get the look and feel (and sound) of a real game as I learned. Well, that first step, taken alone with no guide or opponent, turned into disillusion. I concluded that learning this way might be like becoming an athlete by watching TV. Are there any interactive computer games for absolute beginners rather than IBM's AI master level?
by NAVigator
Mon Dec 25, 2023 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Parent funding adult child's Roth IRA
Replies: 27
Views: 3401

Re: Parent funding adult child's Roth IRA

Yes. The IRA amount is less than the amount that has to be reported for a gift. I did that for ten years to each of my two adult children.
by NAVigator
Wed Nov 23, 2022 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2022 software offer
Replies: 281
Views: 33328

Re: H&R Block 2022 software offer

I just bought it at Newegg, but as I was checking out it stated thanks for buying at Best Buy. All the other forms have Newegg. I thought they must have some agreement. Sure enough, I found this; "List of online stores Best Buy will price-match: Amazon.com, Apple.com, Bhphotovideo.com, Crutchfield.com, Dell.com, Frys.com, hhgregg.com, HP.com, HomeDepot.com, Lowes.com, Newegg.com, OfficeDepot.com, OfficeMax.com, Rakuten.com Shopping, Sears.com, Staples.com, Target.com, TigerDirect.com and Walmart.com."

I got it for $26.04 with IA state tax and downloaded it for Windows.

Thanks for the heads up!
by NAVigator
Tue Nov 22, 2022 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2022 software offer
Replies: 281
Views: 33328

Re: H&R Block 2022 software offer

Just noticed that today, Amazon increased the price on HRB Deluxe + State from 34.99 to 44.99.
by NAVigator
Fri Oct 28, 2022 10:16 am
Forum: Personal Investments
Topic: VG Money Market Withdrawal Questions
Replies: 11
Views: 864

Re: VG Money Market Withdrawal Questions

I have a situation like the OP. Both of these funds were in my traditional IRA. I wanted to buy a brokered CD and didn't know if the funds would be available when I combined the cash into the Settlement fund. So I called Vanguard, which I haven't done for years. I waited until I got the option for them to call me. I was given the wait time. They called me and I had the very polite CSR combine the funds. I was told that I could make the CD purchase immediately, which I did 10 minutes before the closing bell. Total time with the CSR was 2-3 minutes. The transaction appeared this morning. I remain very pleased with Vanguard.
by NAVigator
Mon Sep 05, 2022 9:38 am
Forum: Personal Consumer Issues
Topic: Oil Change Place Left Cap Off!
Replies: 52
Views: 7103

Re: Oil Change Place Left Cap Off!

I had the opposite happen. I had the oil changed and the next time I tried to check the oil, I couldn't get the cap off. I took it back and the guy came out and he couldn't get it off either. They drove the car in and "worked on it". Later, they came back and said it was fixed. I paid for labor to adjust the metal blades the cap screwed into and a new oil cap. Grrr. :annoyed
by NAVigator
Sun Aug 28, 2022 1:57 pm
Forum: Personal Investments
Topic: Possibly Abandoning Vanguard
Replies: 87
Views: 8416

Re: Possibly Abandoning Vanguard

If you want paper statements, why not just print them? That's what I do. I get them printed faster than USPS can deliver.
by NAVigator
Sat Jul 16, 2022 2:54 pm
Forum: Personal Consumer Issues
Topic: Classical music streaming service
Replies: 47
Views: 4107

Re: Classical music streaming service

Dottie57 wrote: Fri Jul 15, 2022 9:26 pm
sport wrote: Fri Jul 15, 2022 9:20 pm There are a lot of classical radio stations available on the web. https://mytuner-radio.com/radio/country ... l-stations
My two favorites are WCLV from Cleveland and WQXR from New York.
I also enjoy the minnesota public radio station.
I also enjoy streaming in my classical public radio station using Alexa. I have several in my home and they are in a "group" so they are sync'ed. I can wander from room to room with uninterrupted music.
by NAVigator
Sun Jun 26, 2022 5:53 pm
Forum: Personal Consumer Issues
Topic: What foods have you given up this year?
Replies: 60
Views: 5432

Re: What foods have you given up this year?

I stopped consuming animals, except for an occasional bowl of chicken soup.
by NAVigator
Sat Jun 18, 2022 8:44 am
Forum: US Chapters
Topic: Hats Off to LadyGeek
Replies: 62
Views: 8356

Re: Hats Off to LADYGEEK

I'll add my gratitude to LG for making the BH forum a great place to visit and to learn.
by NAVigator
Tue Jun 07, 2022 1:23 pm
Forum: Personal Consumer Issues
Topic: Boglehead Regular Routines
Replies: 26
Views: 3125

Re: Boglehead Regular Routines

My daily routine is determined by my cat. She wakes me at 4:30 AM, followed promptly by breakfast. She eats the same food for each meal, I vary my diet as I try to stay within expiration dates. We eat three meals punctually, with snacks between and at bedtime. We nap when needed, play, watch nature, bask in the sun, and empty the mind through meditation, which she excels at. I read a lot, which entices her to sit on my lap. The only activity we both despise is the use of the vacuum cleaner.
by NAVigator
Tue May 31, 2022 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Any hints in getting to a representative at IRS? 'We are sorry, we are too busy' response
Replies: 16
Views: 2044

Re: Any hints in getting to a representative at IRS? 'We are sorry, we are too busy' response

I called them a few days ago. I was told the wait time (29 minutes) or I could press 2 for a call-back, which I did. They called back and I got the issue resolved in a few minutes. I was completely satisfied.
by NAVigator
Sun May 01, 2022 7:22 pm
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation for new carpet
Replies: 25
Views: 2627

Re: Vacuum cleaner recommendation for new carpet

sonosoldi3112 wrote: Sun May 01, 2022 9:37 am Shark. ( available at Costco ) & everywhere

Solid and after years of use performs as if it were new....Personally I highly recommend.
I have a Shark Professional that has a suction control valve that you manually adjust. It mixes air from near the handle with air sucked in at the carpet level. The height of the brushes is automatic. I moved into my home with new carpeting and had no issues.

Another advantage is that you adjust the suction so you can vacuum mats such as those found in the bath without having them get sucked up and getting caught in the brush.
by NAVigator
Sat Apr 09, 2022 7:02 pm
Forum: Personal Consumer Issues
Topic: Remove sticker from glass
Replies: 56
Views: 5552

Re: Remove sticker from glass

As long as the glass is NOT painted glass, I'd use Goo Gone. Just apply with a paper towel, let it soak in, and then wipe off.
by NAVigator
Mon Mar 14, 2022 7:25 am
Forum: Investing - Theory, News & General
Topic: "You don't lose money until you sell"
Replies: 564
Views: 43336

Re: "You don't lose money until you sell"

If "You don't lose money until you sell", then money has no meaning until you buy something!
by NAVigator
Wed Feb 16, 2022 8:18 pm
Forum: Personal Investments
Topic: How on earth do you mentally ever get over losing $120,000 in stupid trading decisions?
Replies: 118
Views: 14194

Re: How on earth do you mentally ever get over losing $120,000 in stupid trading decisions?

I've been there. It hurts. I learned that I could not outsmart the market. That's what caused me to read a book advocating diversified index funds. That led me to the Diehards on M* which morphed into the Bogleheads. I recovered my losses and made so much more. I retired 10 years early and have been comfortable ever since. I am glad to be here and grateful for what I have learned.


To the OP - you are already here. You are on the road to success, so don't go in the ditch again! :happy
by NAVigator
Mon Feb 14, 2022 1:28 pm
Forum: Investing - Theory, News & General
Topic: Useless Investment Books
Replies: 217
Views: 26246

Re: Useless Investment Books

I "decluttered" about 5 years ago and found I had about 50 investment books that were in the worthless category. I considered donating them, but didn't feel right about passing on bad information. Most of them I was able to recycle and those I couldn't were tossed. I saved all of the BH-type books and began reading them again. Sound advice is timeless and timing advice is not.
by NAVigator
Fri Feb 11, 2022 9:23 am
Forum: Personal Consumer Issues
Topic: Bitwarden Issues Today
Replies: 18
Views: 2318

Re: Bitwarden Issues Today

jebmke wrote: Fri Feb 11, 2022 8:59 am Once you retrieve your passwords I recommend a backup process. I use KeePass and what I do is periodically print the file to a PDF and export the file to a CSV and store these files in a Veracrypt container. That way, if the db gets corrupted or accidentally deleted/over-written I have a fallback.
Since the KeePass database file(s) is already encrypted, I just back it up to a flash drive. That way I avoid the cloud and any other processes. When I got a new computer, I just installed KeePass on it and copied my backup file and it worked fine. Other password managers should operate similarly.
by NAVigator
Thu Feb 10, 2022 1:07 pm
Forum: Personal Consumer Issues
Topic: Reluctant to give up analog Landline—VOIP suggestions wanted
Replies: 118
Views: 11227

Re: Reluctant to give up analog Landline—VOIP suggestions wanted

A decade long user of VoIP with Ooma. No difficulties at all. It was extremely easy to set up. I used the option to move my existing phone number to Ooma, removing the need to notify anyone. I have a portable phone in every room using three base stations. The voicemail recording on Ooma is superior to those on the base station. A message is also sent as an attachment on an email message. As far as costs, Ooma basic is free. You do have to pay for emergency 911 service whether it is on a standard landline or on any VoIP service since that is provided by gov't to reach emergency departments rather than by the phone service. That total cost is $6.75/month, which I put on a credit card. One can also examine your call records, incoming and outgo...
by NAVigator
Sun Feb 06, 2022 11:46 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 313
Views: 42933

Re: What Are Your Simple Pleasures?

For me it is a good book, my cat sleeping on my lap, and a cup of hot coffee. It doesn't get much better than that.
by NAVigator
Sat Feb 05, 2022 3:25 pm
Forum: Personal Consumer Issues
Topic: What watch do you wear on a daily basis, or are you wearing today?
Replies: 382
Views: 33088

Re: What watch do you wear on a daily basis?

A sundial and a calendar. I'm retired. :D
by NAVigator
Sat Feb 05, 2022 3:21 pm
Forum: Personal Consumer Issues
Topic: Free in-home Covid test Kits
Replies: 360
Views: 41940

Re: Free in-home Covid test Kits

LadyGeek wrote: Sat Feb 05, 2022 3:05 pm I'm still waiting for my kits, ordered January 18th.
In fairness, the ordering of the kits was done before they were manufactured. The wording on Jan 18 said that shipments would begin at the end of January.
by NAVigator
Wed Feb 02, 2022 5:49 pm
Forum: Personal Consumer Issues
Topic: VoIP service - replacement for Ooma
Replies: 27
Views: 2872

Re: VoIP service - replacement for Ooma

I am in a tech group and I am currently investigating voice quality issues with someone's Ooma VoIP phone system. It turns out that Ooma is not the problem. I ran some quality of service (QOS) tests and found excessive jitter, latency, and dropped packets. The problem is not in the internet service either with fiber to the premises. The problem is with the router and will be replaced tomorrow.

I also have an Ooma Telo which I have used for about 10 years and I wouldn't part with it. The voice quality that I have is excellent and the savings are great.
by NAVigator
Thu Jan 27, 2022 7:19 pm
Forum: Personal Consumer Issues
Topic: Cheapest Per Minute Cell Phone Plan
Replies: 39
Views: 4423

Re: Cheapest Per Minute Cell Phone Plan

epictetus wrote: Thu Jan 27, 2022 6:52 pm Tracfone with the 365 day plan is worth considering
+1
The minutes don't expire, they roll over to the new year. I bought a 4G-LTE Android phone and they transferred the minutes and remaining time from my old 3G phone to the new one.
by NAVigator
Mon Jan 03, 2022 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Things to look for in Dental Insurance when retired
Replies: 40
Views: 4537

Re: Things to look for in Dental Insurance when retired

The decision to self-insure for dental, may be more complex if you consider plans that include dental, vision, and hearing, depending on your needs.

One other factor I ran into with my insurance is that they do not cover anything during the first year. I was told this is because otherwise people would buy insurance only when something expensive arose and then drop it after the procedure was done.
by NAVigator
Sun Jan 02, 2022 2:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5249
Views: 899807

Re: What are you up YTD? [Year To Date]

Up 19.57% for 2021 with AA of 75/25. Hit 3M this year and I am FIRE'd for 12 years now. Having a daily contest with the cat for taking naps. :happy
by NAVigator
Wed Dec 22, 2021 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Mega-thread
Replies: 1512
Views: 167358

Re: Is Vanguard Outsourcing Calls Out Of The Country?

CyclingDuo wrote: Wed Dec 22, 2021 1:16 pm Welcome to 2021 regarding staffing shortages which may result in long waits - no matter which company you try and call.

America is a huge melting pot with many accents, dialects, as well as remote workers who may or may not always have the best headset and microphone or connection during your call.

Be patient, respectful, understanding - and hang in there. :beer :beer
I agree. Throughout my career ad now in retirement I often encounter multiple languages, yet they negotiate in English as well. I always have to admire that because they know at least one more language than I do! :happy
by NAVigator
Fri Dec 10, 2021 2:59 pm
Forum: Personal Consumer Issues
Topic: How to stop an office chair from turning
Replies: 5
Views: 1036

Re: How to stop an office chair from turning

If "wedge" could be a door stop, I saw that Dollar Tree had three different sizes.
by NAVigator
Thu Dec 02, 2021 7:31 pm
Forum: Investing - Theory, News & General
Topic: The risk of DEATH ---- under-discussed on this forum?
Replies: 258
Views: 22758

Re: The risk of DEATH ---- under-discussed on this forum?

The 1998 book, Die-Broke-Radical-Four-Part-Financial Plan has a strategy for finding that sweet spot between financial goals and longevity. This was followed by another book; The Die Broke Complete Book of Money in 2000. The authors were Stephen Pollan and Mark Levine.

[Edit] There are other books on the same topic; Die with Zero: Getting All You Can from Your Money and Your Life and Live Well, Die Broke
by NAVigator
Thu Dec 02, 2021 2:03 pm
Forum: Investing - Theory, News & General
Topic: The risk of DEATH ---- under-discussed on this forum?
Replies: 258
Views: 22758

Re: The risk of DEATH ---- under-discussed on this forum?

I came close enough to death three times due to medical issues. I also grew up poor, compared to normal standards. Therefore I am extra cautious in financial and health concerns. Since medical issues are frowned upon here, I use the BH forum for financial information and consider it a valuable resource. I strive to have my finances sufficient to make each of my children instant millionaires upon my demise. I trust they won't accelerate that timeline. :wink:
by NAVigator
Sat Nov 27, 2021 8:46 pm
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 65
Views: 10588

Re: VOIP - what do you use?

Like many others, I am a long time user of Ooma. This is a Voice over IP (VoIP) technology device. The device connects to the internet, but your computer does NOT have to be on. You buy the small desktop device, which seems to be permanently on sale for about $70-$80. The Basic service is FREE. There is a monthly charge for taxes and fees which varies by state. For example, here's mine; Regulatory Compliance Fee $1.69 911 Service Fee $1.00 Local Interconnect Recovery Fee $2.16 State and local taxes, fees and surcharges $1.29 ---------------- Total for taxes and fees $6.14 The VoIP device records your missed calls. The messages are even sent to your email. I believe the optional Premier service converts the message to text and sends the voic...
by NAVigator
Sat Nov 13, 2021 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2021 software offer
Replies: 278
Views: 36343

Re: H&R Block 2021 software offer

Whoa! Thanks for the warnings! I was just about to order it and NOW I WON'T. I googled them and will avoid them.
by NAVigator
Sat Nov 13, 2021 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2021 software offer
Replies: 278
Views: 36343

Re: H&R Block 2021 software offer

HRB 2021 Deluxe+State for download is $24.74 at logarpa.com
Release date 11-08-2021
by NAVigator
Wed Nov 03, 2021 2:48 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 171
Views: 22144

Re: Coffee becomes cold too soon

bloom2708 wrote: Mon Aug 26, 2019 11:52 am Go to your closest Walmart and get one of these:

https://www.walmart.com/ip/Ozark-Trail- ... /980790838

Coffee stays hot for 4,5,6 hours.
Ozark Trail also has a 14 oz coffee mug. Those were out of stock, so I ordered one and it arrived yesterday. I have been enjoying HOT coffee. I have noticed I now drink less coffee since I am not forcing down rapidly cooling coffee using other mugs.

Thanks for the suggestion!
by NAVigator
Sun Oct 31, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: need idiotproof phone advice
Replies: 21
Views: 1863

Re: need idiotproof phone advice

I am in the middle (muddle?) of a 3G to 4G phone conversion. I use TracFone which is economical, especially with an annual plan. I bought a TCL A3 model for $30 at Target and it meets my needs. I make very few phone calls, but it is there if you need it.
by NAVigator
Mon Oct 25, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: Thinking about getting my ears pierced for the first time
Replies: 68
Views: 4482

Re: Thinking about getting my ears pierced for the first time

If you are worried about impressions at work or a job interview, try wearing a ski mask. :shock: It is only a matter of perspective. Have confidence in yourself. That will be more favorably noticed.
by NAVigator
Sun Oct 24, 2021 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2021 software offer
Replies: 278
Views: 36343

Re: H&R Block 2021 software offer

Monster99 wrote: Sun Oct 24, 2021 9:05 am
"it's not the kill, but the thrill of the hunt...." :happy
Soon there will be posts of boasts of best prices.

Finally the TurboTax tribe will arrive to wage more war about the best brand.

This is the entertaining part of year-end taxes, except for the moderators who have to merge multiple duplicate threads.

The gauntlet has been thrown.
by NAVigator
Wed Oct 20, 2021 5:28 pm
Forum: Personal Consumer Issues
Topic: Ideas for Celebrating A Financial Milestone & Staying Motivated
Replies: 73
Views: 7932

Re: Ideas for Celebrating A Financial Milestone & Staying Motivated

Voltaire2.0 wrote: Sat Oct 16, 2021 10:18 am Starting with motivation, when I crossed that rubicon I shifted my focus from my portfolio balance sheet to its income statement. By treating my portfolio like an endowment, I was better able to focus on the goal of replacing my income and retiring.
I have crossed several "M" hurdles and found no need to celebrate beyond enjoying the satisfaction. When working, it was my goal to cross that point where my money works for me instead of the other way around. I retired about 12 years ago and continue to live frugally and comfortably. I celebrate that freedom daily.
by NAVigator
Wed Oct 20, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Electrical Grounding Question
Replies: 74
Views: 6868

Re: Electrical Grounding Question

BH_RedRan wrote: Tue Oct 19, 2021 4:51 pm
Possibly try to find a 2005 NEC via inter-library loan.
https://www.florenceaz.gov/wp-content/u ... %20NEC.pdf
by NAVigator
Mon Oct 04, 2021 8:41 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Chart
Replies: 34
Views: 5461

Re: My Favorite Chart

I have been encouraged by this chart and others showing the near steady gains in the market over a long time frame. I came across a framed chart covering a century or so and have it hanging in my home office. It gives me comfort on volatile days.
by NAVigator
Thu Sep 16, 2021 8:29 am
Forum: Personal Consumer Issues
Topic: Beautiful Porcelain Tiles. Leftover. What to do?
Replies: 17
Views: 1949

Re: Beautiful Porcelain Tiles. Leftover. What to do?

OP said there are a ton of extras. I would save what you want for replacements and repairs.You might consider using others to make a tabletop, serving tray, kitchen backsplash, etc. I've used smaller pieces mounted on a base to make a trivet. Have fun.
by NAVigator
Mon Sep 06, 2021 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Gift Money these days?
Replies: 29
Views: 2877

Re: How to Gift Money these days?

What is the best method for international gifts? Instead of cash, would it be better to use a gift card to avoid currency exchange fees?
by NAVigator
Wed Sep 01, 2021 9:01 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 44
Views: 5082

Re: Unplugging from Tech Tips

Many of the replies seem to blame the media; phone, websites, etc. Some others treat it as a binary situation - on or off. I think we have the responsibility of exercising discernment. There is a lot of good and wholesome content, but it is up to us to choose where we place our attention. I find that having control is liberating. I choose NOT to watch television and haven't owned a TV for over 26 years. I have gained a huge amount of time that would have otherwise been wasted. Instead I subscribe to three newspapers for national, regional, and local news. I have a Tracfone that I carry when am away from home, but it is turned off. It is for me to use, not for me to be used. I have made one phone call in 5 years. I stream some TV news on my ...
by NAVigator
Sun Aug 29, 2021 4:15 pm
Forum: Investing - Theory, News & General
Topic: Greed and BH dogma getting the best of us? [Are you sticking to your plan?]
Replies: 87
Views: 12666

Re: Greed and BH dogma getting the best of us?

jebmke wrote: Sun Aug 29, 2021 1:34 pm I am way ahead of where I thought I'd be when I retired. But I am no longer planning to sell any equity so I expect over the long term, my equity allocation will rise. I had set a fairly low equity allocation (40%) when I first retired in December, 2007. But I changed my plan 2-3 years ago to no longer rebalance on the upside.
Same here. I am way ahead of where I thought was possible. Most of my portfolio is in taxable. Now I look at rebalancing and find it difficult/impossible to pay that much in taxes. Now if I lose a lot in a downturn, I would still be way above my needs. I rationalize my decision by having an asset allocation more appropriate for my beneficiaries (children).