Search found 753 matches

by samsoes
Sun May 20, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 10
Views: 280

Re: When to and when not to “reinvest dividend and capital gains”

Automatic reinvesting of divs/cg can cause problems if you would like to Tax Loss Harvest (TLH) in your taxable account. All the small lots purchased by automatic reinvesting (especially monthly) -- even if the small lots are in the tax-advantaged accounts -- can trigger a wash sale with regard to t...
by samsoes
Wed May 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 132
Views: 6835

Re: how do you tip on wine at a restaurant

$5 per person reminds me of my grandfather. He tipped 25 cents per person, regardless of the bill or venue. Coffee shop donuts? 25c/pp. Steak dinner? 25c/pp. That was his rule and it saved him a lot of money. You're grandfather sounds like my kind of guy! :sharebeer With a 25c/pp tip - if you retur...
by samsoes
Wed May 16, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 132
Views: 6835

Re: how do you tip on wine at a restaurant

snackdog wrote:
Wed May 16, 2018 3:00 pm
$5 per person reminds me of my grandfather. He tipped 25 cents per person, regardless of the bill or venue. Coffee shop donuts? 25c/pp. Steak dinner? 25c/pp. That was his rule and it saved him a lot of money.
You're grandfather sounds like my kind of guy! :sharebeer
by samsoes
Tue May 15, 2018 7:32 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 40
Views: 1919

Re: How did you fall in love with investing?

wander wrote:
Tue May 15, 2018 5:58 am
I consider investing is part of life, not too much about love.
Agreed. Just like colonoscopies. No love, just something ya gotta do.
by samsoes
Mon May 14, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

Just saw this today in my inbox, thought it was relevant to the thread. Charles Lewis from Florida, USA sent us the following alert which he also posted as a comment on one of Brien Posey's articles on our techgenix.com site: Installed the Windows 10 (Pro) 1803 upgrade on one system April 30 and on...
by samsoes
Sat May 12, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Mutual fund v. ETF
Replies: 7
Views: 715

Re: Mutual fund v. ETF

Try to think of it this way: if you buy or sell an ETF, you're buying from or selling to another person who is selling or buying. This is just like stock trading; trades are among buyers and sellers. With mutual fund transactions, you are buying from the MF company or selling to the MF company. (MF ...
by samsoes
Fri May 11, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4294

Re: Anyone buy carbon offsets when flying?

SuperGrafx wrote:
Fri May 11, 2018 10:06 am
DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
100% agreed.
It's guilt money. Total waste.
by samsoes
Fri May 11, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16015

Re: most compelling TV character ever

Mark Lenard as Ambassador Sarek (Spock's father).

I quoted him recently in a conversation about a very argumentative person:

"Tellrites do not argue for reason. They simply argue."
by samsoes
Thu May 10, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2135

Re: how to figure that shoes need replacing

When the bottoms of your feet get wet when you walk through wet grass or on wet pavement.
by samsoes
Thu May 10, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

Updated my laptop today, Windows deleted Dolby Home Theater software from my laptop without permission. I don't think this was Microsoft software. Why gives them the right to delete software from my machine? (yea, I know, some EULA that I likely signed on OS install) That's really unconscionable an...
by samsoes
Wed May 09, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

F150HD wrote:
Wed May 09, 2018 5:25 pm
This may be of use to many (unless its already been posted)

Image
This is fantastic, thank you!
by samsoes
Wed May 09, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6927

Re: Gold ball cracked my house window. Do I have any recourse?

lthenderson wrote:
Wed May 09, 2018 12:37 pm
If it were me, I would get a high resolution camera pointed in the direction of the course the ball came from to help aid in identifying perpetrators or additional GOLD balls in the future.
A gold ball the weight of a standard golf ball would be worth about $2k.

Keep the gold balls coming!
by samsoes
Wed May 09, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6927

Re: Gold ball cracked my house window. Do I have any recourse?

What's the purity of the gold ball (karat)? How many ozt does it weigh?

Never mind one broken window, you might be able to replace all the windows with that nugget.
by samsoes
Wed May 09, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5884

Re: Comparing 2 physician jobs

One walked out and quit last week in the middle of the day leaving 2 patients in the chair waiting for treatment. Johnny Paycheck style. Did they take the Hippocratic Oath? Seems that the "health and well being of my patient" wasn't their first consideration. They should have resigned at the end of...
by samsoes
Wed May 09, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5457

Re: How to handle problem employee

I'm a relatively new manager, just 6 months into the job. I inherited an employee and I think I'm seeing that we have a personality conflict. She has a fair amount of experience at other companies, but is pretty new to our company. She is probably 20 years older than me and, I suspect, she doesn't ...
by samsoes
Tue May 08, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: DAF with <$5k minimum contribution?
Replies: 17
Views: 1109

Re: DAF with <$5k minimum contribution?

I believe that the $5K min at Fidelity is just to open the account. After that, the balance can drop as low as you want it to (although you'll pay a minimum $100 annual administration fee). If you're not going to contribute at least $5K, there may be little justification for using a DAF. What seale...
by samsoes
Mon May 07, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5918

Re: When to buy new underwear?

Gort wrote:
Mon May 07, 2018 10:56 am
My experience is that briefs offer a better "buy and hold" strategy as compared to boxers. :wink:
Boxer briefs.
by samsoes
Mon May 07, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6408

Re: Resignation letter

JoeRetire wrote:
Mon May 07, 2018 6:57 am
If your wife wished to do so, she could stand up and announce "I've changed my mind. I'm leaving now. Goodbye!"
You've just given me something to daydream about here on a Monday at my miserable Megacorp.
by samsoes
Mon May 07, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5918

Re: When to buy new underwear?

Marketman wrote:
Mon May 07, 2018 5:48 am
I buy more when my wife makes me. That is usually when they are threadbare, full of holes, and tattered.
Having been an EMT in my younger days, I assure you many people still wear underwear in the condition you describe.
by samsoes
Sun May 06, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6408

Re: Resignation letter

Spirit Rider wrote:
Sun May 06, 2018 3:15 pm
samsoes wrote:
Sun May 06, 2018 2:46 pm
Spirit Rider wrote:
Sun May 06, 2018 8:20 am
The fact she may be an at-will employee is a copout.
It's not a copout, it's employment law.
At-will employment is employment law, but using it as a justification in this case is most definitely a copout.
Copout? Nonsense.
Employers do it all the time; it works both ways.
by samsoes
Sun May 06, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6408

Re: Resignation letter

Spirit Rider wrote:
Sun May 06, 2018 8:20 am
The fact she may be an at-will employee is a copout.
It's not a copout, it's employment law.
by samsoes
Sun May 06, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

Hello folks, Just a quick word of warning - if at all possible, decline any way you can this week's major Windows Update (Spring Creator's Update, version 1803). After the multi-hour upgrade affair, I was unable to launch Outlook 2010 (I have gigabytes of mail catagorized and stored in the .pst fil...
by samsoes
Fri May 04, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

I curse the day I decided to take the "free" upgrade from Windows 7 to Windows 10. I have problems with Win 7 also. I kept getting a request to update even though the same file has been installed several times. With a W7 machine, you can always reinstall it from the system DVD. A pain, I know, but ...
by samsoes
Fri May 04, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

HueyLD wrote:
Fri May 04, 2018 10:17 am
Have you installed their April Win 10 updates? The April updates may fix the March update problems.
What was installed was pushed on Tues, May 1. It was labeled "1803." Hopefully there will be chaser updates.

Edit:typo
by samsoes
Fri May 04, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Re: Warning: avoid Windows 10 update 1803

Everyone at work who ran the update can no longer use Photoshop. Images won't save and, if the resolution is too high, they won't even open. It's quite brazen of them to force these major upgrades down our throats. I understand the occasional stability fix and security patch, but the involuntary so...
by samsoes
Fri May 04, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8673

Warning: avoid Windows 10 update 1803

Hello folks, Just a quick word of warning - if at all possible, decline any way you can this week's major Windows Update (Spring Creator's Update, version 1803). After the multi-hour upgrade affair, I was unable to launch Outlook 2010 (I have gigabytes of mail catagorized and stored in the .pst file...
by samsoes
Thu May 03, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 905

Re: Technical Questions About Dumping Comcast Internet

Before you calll, remove any automatic payment information (cc#, checking account, etc.) you may have set-up with The Evil Empire - um I mean Comcast.

Let them send you a final bill.
by samsoes
Thu May 03, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15092

Re: How do you know when you have "won the game"?

indexonlyplease wrote:
Wed May 02, 2018 3:46 pm
What is wrong with the stimulation you get from a job you enjoy.
Stimulation from a high-stress Megacorp job can be compared to high-voltage electrodes attached to one's private parts. Enjoy it or not, it will kill you eventually.
by samsoes
Thu May 03, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Quick one re: Liquidating ESPP Purchases to Diversify
Replies: 7
Views: 534

Re: Quick one re: Liquidating ESPP Purchases to Diversify

The discount amount should be included in regular W2 wages in each year of purchase. Your cost basis would then be the market value of the shares when purchased. The 1 year LTG clock begins on the day of purchase.
by samsoes
Wed May 02, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for quick tax free liquidity?
Replies: 4
Views: 504

Re: Roth IRA for quick tax free liquidity?

Withdraws of your contribution dollar amount from Roth IRA is always tax free and penalty free, regardless if gains were incurred or not by selling a specific lot, and regardless of a 5-year clock. It's the dollar amount withdrawn which matters. Having said that, don't withdraw from your Roth. That'...
by samsoes
Tue May 01, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 30
Views: 2600

Re: Thoughts on Healthcare Sharing?

Anyone use one of these "policies"? Saw this and thought it was intriguing: http://clubthrifty.com/liberty-healthshare-review/ Don't do it!!!!! It is not insurance. You are paying into a system that you HOPE will help you when you need it , providing your needs are not too much and they feel like h...
by samsoes
Tue May 01, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: DuckDuckGo & [edit - error qustion!] ?
Replies: 2
Views: 449

Re: DuckDuckGo & Google ?

Google search engine is a service provided by a website. So is duck Duck Go. They're both accessible with any browser (Chrome, IE, Firefox, Safari, etc). You can't add anything to the Google search engine. Methinks you're commingling Google search engine with the Chrome browser. When you say "add it...
by samsoes
Tue May 01, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7346

Re: Series I Bonds in April/May 2018

Are we in “back up the truck” territory yet? What does that mean? https://www.bogleheads.org/forum/viewtopic.php?f=10&t=64679&start=500 Sorry, I have neither the time nor the energy to sift through a two year old thread which is 11 pages long to glean the answer. Can you give a hint? The title of t...
by samsoes
Tue May 01, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7346

Re: Series I Bonds in April/May 2018

motorcyclesarecool wrote:
Tue May 01, 2018 9:21 am
samsoes wrote:
Tue May 01, 2018 9:18 am
motorcyclesarecool wrote:
Tue May 01, 2018 9:11 am
Are we in “back up the truck” territory yet?
What does that mean?
viewtopic.php?f=10&t=64679&start=500
Sorry, I have neither the time nor the energy to sift through a two year old thread which is 11 pages long to glean the answer.

Can you give a hint?
by samsoes
Tue May 01, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 66
Views: 7346

Re: Series I Bonds in April/May 2018

motorcyclesarecool wrote:
Tue May 01, 2018 9:11 am
Are we in “back up the truck” territory yet?
What does that mean?
by samsoes
Mon Apr 30, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 3959

Re: Must See in South Dakota

Check-out the Crazy Horse Memorial near Rushmore - https://crazyhorsememorial.org/

Then take a ride to Deadwood, home of Calamity Jane and Wild Bill Hickock.
by samsoes
Mon Apr 30, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: At a crossroads. Does my plan make sense?
Replies: 29
Views: 2611

Re: At a crossroads. Does my plan make sense?

Over $6 million?? BAIL OUT! Seriously.
You've won the game! :sharebeer

Remember, every day you delay is a day you'll never get back.
by samsoes
Sun Apr 29, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5618

Re: Moving to The Woodlands,TX

livesoft wrote:
Sun Apr 29, 2018 7:43 am
It would be interesting to know from respondents what they based their responses on. Hearsay? A friend who lived there? Family who lived there? They live there? Something else?
Facts.
by samsoes
Sun Apr 29, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5618

Re: Moving to The Woodlands,TX

I am considering applying for a job that is located in The Woodlands,TX. Could someone tell me the good,bad and the ugly of living in the area? Thank you. No snow, no state income tax, comparitavely low real estate prices. Please let me know if the new job has any additional openings so I can escap...
by samsoes
Sun Apr 29, 2018 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Can Employer Set 401k Contribution Limit Below IRS Limit?
Replies: 33
Views: 2402

Re: Can Employer Set 401k Contribution Limit Below IRS Limit?

"...When you enroll in the Plan, you decide how much you want to save - from 1% to 25% (in whole percentages) of your 'Basic Pay.'" This is news to me. Currently I make $60k a year, and have been contributing 30% of my paycheck... Seems like you are exceeding the published limit already. Shhhhh....!
by samsoes
Sat Apr 28, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

randomizer wrote:
Wed Apr 25, 2018 5:09 pm
I fantasize about this conversation almost daily.
I fantasize about it all the time as well, especially as I'm checking my State Stupidity Tax receipts (uh...I mean lottery tickets).

"Hey, you never know."
"All it takes is a dollar and a dream."
Etc.
by samsoes
Sat Apr 28, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Moving from CA to Texas. What to do with my car insurance?
Replies: 10
Views: 713

Re: Moving from CA to Texas. What to do with my car insurance?

Derivative wrote:
Fri Apr 27, 2018 9:56 pm
Okay so they will refund me a prorated rate based on when I cancel? Will this a be a daily prorated rate refund or monthly?
The cancellation refund will be prorated from the day it's cancelled.
by samsoes
Sat Apr 28, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

These are the folks who will have difficulty in retirement. The office mentality has been their driving force for decades, and their career has been synonymous with their identity. It's as if they've never lived their lives and don't know how to start. Quite sad, actually. Trying to understand this...
by samsoes
Sat Apr 28, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

I am quite surprised at the number of posters who have hostile feelings toward their employer. No wonder so many want to retire early. This is America. Americans are working themselves to death and employers aren't helping the issue. I am surprised that so many people never want to retire. These ar...
by samsoes
Fri Apr 27, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Bill of Rights for Patients
Replies: 3
Views: 434

Re: Financial Bill of Rights for Patients

Great article. Cue the folks who will be vehemently against such a bill of rights, saying how it's the patient's responsibility between him/her and the insurance company, won't disclose costs ahead of time, will send the patient to collections even given the unknown costs (because the patient signed...
by samsoes
Fri Apr 27, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

I am quite surprised at the number of posters who have hostile feelings toward their employer. No wonder so many want to retire early. This is America. Americans are working themselves to death and employers aren't helping the issue. I am surprised that so many people never want to retire. These ar...
by samsoes
Thu Apr 26, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

PS - one month severance pay per year of service?? On which planet is this company? Fall 1999, my employer of 19 years had a large scale reduction in force. I was given notice the first week of October my employment would end Dec. 31. So, I had 3 months of work, and I wasn't expected to really work...
by samsoes
Thu Apr 26, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

Yes, for that to be an inspiration is really sad. Some work so we can live. We don't live so we can work. Quitting your job is fine, but why leave without giving any advance notice? I would never do that unless there were serious problems with the company and culture. When the company often initiat...
by samsoes
Thu Apr 26, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

obafgkm wrote:
Thu Apr 26, 2018 12:29 pm
samsoes wrote:
Thu Apr 26, 2018 10:04 am
He and his wife are lovin' life, on month+ long crises a couple of times a year with a very active social life...
I don't think I could live like that. I'd need to take a vacation...
:P
:oops:

"I'd like to buy a 'u' please" ...
by samsoes
Thu Apr 26, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9085

Re: How did you tell the boss you're leaving/retiring?

A friend of mine announced his retirement by going into his boss' office late one afternoon and said, "By the way, today was my last day." He handed the boss his company-issued cellphone, walked out, and never looked back. He's my inspiration. I feel sorry for your friend, I doubt that kind of atti...