Search found 3527 matches

by Ged
Sat Sep 22, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 3677

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

As an individual investor there are other factors to consider such as liquidity: You can sell stocks instantly, selling real estate can take a long time and the transaction costs are high. That's the thing. There are generally three important characteristics of an investment. 1. Liquidity 2. Safety...
by Ged
Fri Sep 21, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 35
Views: 2315

Re: Another Wifi extender thread

Have you tried different locations for your router? Simply mounting it higher, say on the wall rather than on a table or worse on the floor can have a significant impact.
by Ged
Thu Sep 20, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 224
Views: 15424

Re: What is your single most expensive mistake?

My most expensive mistake was not acting on the advice in Random Walk Down Wall Street immediately after reading it. Most of my money was in various Fidelity sector funds in an employer 401K. Probable cost in the low six figures.
by Ged
Thu Sep 20, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 136
Views: 7720

Re: Physical Banking - Any benefits anymore?

RudyS wrote:
Wed Sep 19, 2018 8:40 pm
Medallion Guarantee, safe deposit box. My local B&M bank has had my account for over 50 years now.
I have a safe deposit box and about 3 years ago needed a Medallion Guarantee.

Also I occasionally need cash withdrawals larger than what an ATM will process.
by Ged
Sun Sep 16, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: [AARP Article re: ID Theft & Dark Web]
Replies: 32
Views: 3858

Re: Dark Web Article

I still have trouble accepting that number 3 is the best way to go. Makes me nervous to have all of my passwords "out there" - and in one place, even if in encrypted form. I am open to being convinced, though. :wink: You don't have to put it "out there" if you don't want to. I don't. It's far far b...
by Ged
Wed Sep 12, 2018 8:10 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 111
Views: 7407

Re: Argument for taking social security before 70. Comments?

The thing that pushed me to delaying benefits was that I could use some additional space in a lower tax bracket for ROTH conversions, thereby reducing future RMDs.
by Ged
Mon Sep 10, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 28
Views: 2292

Re: Medallion Signature guarantee?

I did a Google search and came up with this. https://esignatureguarantee.com/pricing?utm_source=google&utm_medium=cpc&utm_term=medallion+signature&utm_campaign=E-Signature+Guarantee&utm_content=Medallion+Signature+Guarantee+-+Phrase&gclid=CjwKCAjwrNjcBRA3EiwAIIOvq3FRiTVfF3voQ-8lxu4OuBAVbpElr5HbHGXeE...
by Ged
Mon Sep 10, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 72
Views: 5817

Re: Amazon Prime - Value?

For me, yes I get plenty of value out of it. It's rare that something doesn't arrive in 2 days. Sometimes it's one day.

Plus I use Amazon's other Prime services like streaming etc.
by Ged
Mon Sep 10, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Smart plug to reboot router?
Replies: 14
Views: 1156

Re: Smart plug to reboot router?

There are some devices on Amazon that probably do what you want.

Search on IP Power Switch.

Like mmmodem suggested you may want to invest in a better router instead. My Asus RT-AC66R has never crashed in the 4 years I've had it.
by Ged
Sun Sep 09, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2123

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

My car is an Acura which I regard as a high end Honda.

I take my car to the car wash mostly to have the interior cleaned 2-3 times a year. A side effect is the exterior wash that is included as part of the package.

Now that the car is 6 years old I may take it in for a interior detail.
by Ged
Tue Sep 04, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 2868

Re: When do you drop collision insurance?

I would drop collision insurance when the loss of the value of the the car in an accident does not represent a significant financial burden. Insurance companies charge more than the likely loss for drivers with your history per year so they can make a profit. If you can afford the loss it is to your...
by Ged
Sun Sep 02, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1811

Re: Wet & Forget for roof algae?

I've had good luck using a trombone sprayer for second floor applications of Wet & Forget.
by Ged
Sat Sep 01, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 3026

Re: Does leasing car leave me more freedom to invest?

Leasing the car leaves you with more capital to invest. However future investment returns are no sure thing, while avoiding the costs of the lease by buying the car is a sure thing. Logically you would assign some sort of risk premium above which it makes sense to take that risk. It is a matter pers...
by Ged
Sat Sep 01, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in Uranium???
Replies: 48
Views: 3040

Re: Thoughts on investing in Uranium???

- The US is the biggest market for Uranium right now and domestic production of Uranium is practically zero. Domestic producers are projected to fulfil about 2% of US reactor demand Canada has the largest highest grade Uranium deposits in the world. We get about 1/3 of our stuff from them. Otherwis...
by Ged
Thu Aug 30, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 44
Views: 7445

Re: Fidelity and their "free advisor" service?

JUST DON'T BUY THE FUNDS THEY RECOMMEND. I just love this. I am a Fidelity fan but I rarely call them but I might use more of their services in the future. I really like Fidelity. I have had money with them since my first employer set up a retirement account for me with them in 1978. I have all of ...
by Ged
Tue Aug 28, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11851

Re: How do you 7 figure guys organize multiple accounts?

I organize my multiple accounts by consolidating them as the opportunity presents into the fewest number of accounts possible.

Right now I have just a local bank account with 4 figures and a brokerage account with 7 figures.
by Ged
Sun Aug 26, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Uses of hydrogen peroxide
Replies: 4
Views: 876

Re: Uses of hydrogen peroxide

Jet fuel.

https://www.youtube.com/watch?v=cE3rhxEE5n0

The Germans used it to fuel the ME-163.
by Ged
Sun Aug 26, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership
Replies: 35
Views: 3277

Re: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership

Buy new, drive it for 10 years donate it to a family member has been my pattern. Mostly because I get bored with the car after 10 years, secondarily there is usually a family member who is driving something in need of replacement and my cars generally are low mileage since I work from home or more r...
by Ged
Sat Aug 25, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Nytimes article [S.&P. Closes at a Record]
Replies: 18
Views: 1675

Re: Nytimes article [S.&P. Closes at a Record]

Wow. Earnings have been very strong. No wonder P/E ratios have actually been coming down. I have some optimism about stocks as the economy is certainly capable of more than 2% growth rate. We are now at 3% on a sustained basis and that is a big difference from 1% or 2% sustained growth. Actually I ...
by Ged
Fri Aug 24, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6259

Re: Sellers beware on eBay.

whodidntante wrote:
Sun Aug 19, 2018 5:55 pm
I have apparently been lucky selling on eBay. No issues so far, but only one high value item.
I have sold several high value items on EBay without issue. DLSR, Nikon film scanner, lenses etc.

I've had more problems with buying on EBay to be honest.
by Ged
Sun Aug 19, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3712

Re: Retirees: Timing your withdrawals

As needed in order to match expenses.

This year I'm doing some home remodeling projects (3 bathrooms) plus paying for a son's Masters degree so I have to watch the source and total carefully so I don't go over thresholds that will bump me into a higher taxation.
by Ged
Thu Aug 16, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2956

Re: Discarding dead cell phone without purging my data

Thermite.

Mix 75% iron oxide with 25% aluminum powder in a clay or concrete pot. Ignite it with a soufflé torch or a butane lighter and voila, stick your phone in and watch it melt.
by Ged
Mon Aug 13, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2464

Re: Is the price of a new car a good proxy for the expense of owning it?

vineviz wrote:
Mon Aug 13, 2018 11:00 am

That means, over the first five years of ownership, you can expect the annual expense of an automobile to be approximately $1,622 + 20% of the initial purchase price.
I bet this calculation is dominated by depreciation.
by Ged
Tue Aug 07, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3700

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

GR8FUL-D wrote:
Tue Aug 07, 2018 2:34 pm
My elderly father owns a rather large piece of property in Florida
There are acreage limitations to the homestead exemption. 160 outside a municipality, 1/2 within.

Furthermore that exemption ends with the occupancy of the house by the owner or if the owner should sell.
by Ged
Tue Aug 07, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2459

Re: New Medicare cards. Get yours?

My new Medicare card arrived a week ago. It seemed very similar to my old Medicare card except now the ID is alphanumeric rather than the numeric only SS number.

I've used it at a my primary care physician's office already. They seemed glad to see it.
by Ged
Sun Aug 05, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 54
Views: 3845

Re: Durable Power of Attorney: Implementation Report

This seems to to me to be one more confirmation that when dealing with Financial Institutions, it is best to use their POA forms so that some remote lawyer does not get an uncomfortable wad trying to decide about a pre-existing general POA. My wife and I registered our pre-existing general DPOAs wi...
by Ged
Tue Jul 31, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9781

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans. I always purchase medical coverage for cruise travel. However it is worth noting that medigap plans often cover...
by Ged
Sat Jul 28, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5836

Re: Home Theater vs. Soundbar

It is obviously personal preference and how much you value the quality of the audio. I listen to as much music as we watch TV. I would be miserable listening to the tiny speakers of a soundbar and the absence of a subwoofer. I have receivers + speakers in three different rooms. One setup has wirele...
by Ged
Tue Jul 17, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 15556

Re: Why is leveraging property good but leveraging stocks bad?

Simplest answer (though not necessarily correct) is that leverage is not good for property, it's just (generally) a necessity to afford one. People who can pay in cash usually do. One of the aspects of home ownership is where it fits in the family life cycle. People want to raise their children in ...
by Ged
Thu Jul 12, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2265

Re: Tool cabinets?

I bought a Kennedy Maintenance Pro about 15 years ago when I realized the tool cabinets at Sears and Home Depot weren't great, and I couldn't justify the high end stuff like Snap-On. I've added smaller boxes on top with no problems (yet anyway). The US General probably are half the cost of the Kenne...
by Ged
Thu Jul 12, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2332

Re: Thoroughly cleaning grimy tile

Get a stack of Magic Eraser cleaners from Costco. They usually sell them in bulk. They are.....magic. ^^^This REALLY works! Who knew? I do now (just used them to easily and completely clean a couple of ceramic tiles in the bathroom). It's off to Costco (or Walmart) tomorrow to get a gross of them. ...
by Ged
Tue Jul 10, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4179

Re: WiFi router

Google Wifi, and most of the residential mesh products on the market, use "the cloud" for managing your wifi. Meaning, when you buy and setup Google Wifi, all of your settings, passwords and other such data that would usually live on the little box you purchased that probably sits in your office or...
by Ged
Tue Jul 10, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4179

Re: WiFi router

FYI: The first 802.11ax devices should start being available Fall 2018, if you're willing to wait. Should offer some improvements over 802.11ac (even Wave 2) in both 5 GHz and 2.4 GHz bands, such as improved speed, capacity (more devices talking at once), beamforming, and security. And more compati...
by Ged
Mon Jul 09, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2332

Thoroughly cleaning grimy tile

I have an area in my home with ceramic tile flooring which has a grimy coating of grime (I know dept of redundancy dept) that needs a serious deep clean. I'm talking about the surface of the tile, not so much the grout. Interested in what Bogleheads would recommend for the job of bringing the tile b...
by Ged
Mon Jul 09, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4179

Re: WiFi router

I swear by ASUS routers. If you want reliability and quality for cheap - you can get an ASUS AC1900 refurbished from T-mobile on Amazon for like $50. Also, consider placement of the router. If you can have it up high, away from walls and floors, not hidden in a cabinet, in a central location, then ...
by Ged
Sun Jul 08, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 46
Views: 4916

Re: garden hose

I have this heavy rubber hose: https://www.amazon.com/gp/product/B01N4UHY6T/ref=oh_aui_search_detailpage?ie=UTF8&th=1#customerReviews Have only had it a couple of years but it appears to be very well constructed. I also have a Flexzilla water hose that I use for small jobs. It's much lighter so my w...
by Ged
Sun Jul 08, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5843

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

US dealers recommend 5 years for the most part. I understand about brake fluid boiling potential with water intrusion - when we ran cars on the track we always were concerned about that and often utilized hydrophobic fluids. We could see the rotors glowing red when running hard laps. I am just wond...
by Ged
Sun Jul 08, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5843

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Brakes work on hydraulic pressure - if there is a slightly less compressible fluid in the system then the pedal will go down a slight bit more and maybe be a fraction of change with the pedal total travel. How would that affect braking degradation as far as braking distance? If the more compressibl...
by Ged
Sun Jul 08, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5843

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

A lot of posters have expressed skepticism regarding brake fluid changes every 3 years based on personal experience. The problem is that brake fluid absorbs moisture over time and in extreme braking conditions can lead to boiling in the brake caliper and loss of pressure in the brake system. It is v...
by Ged
Sat Jul 07, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5843

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. brake fluid dirty: $169.95 engine air filter dirty: $57 a/c cabin filter dirty: $99.99 tires rotation: $27.95 alignment - tires wearing on outside $129 $49.95 oil change --> Total $533.84 These are all ...
by Ged
Mon Jul 02, 2018 1:59 am
Forum: Personal Finance (Not Investing)
Topic: ? - Keep emergency credit cards for adult children - Good idea or bad?
Replies: 18
Views: 1744

Re: ? - Keep emergency credit cards for adult children - Good idea or bad?

Some years ago my wife and I had our credit union issue credit cards on our joint account in the names of our adult children. We did not give our children these cards, or tell them about them, but put the cards in sealed envelopes in our lock-box with instructions to use them only in case my wife a...
by Ged
Sat Jun 30, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10137

Re: What’s your plan for a market downturn?

Re balance every 6 months.
by Ged
Sat Jun 16, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 8073

Re: I feel like selling my 3 fund

I started investing in Feb 2017 and Im ashamed to say that Ive already been thinking recently a lot about selling and going into fixed income for a couple of years because everyone is expecting a downturn. Im thinking I can sell now and get into something more stable until we are at the bottom of a...
by Ged
Sat Jun 16, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 2190

Re: Am I "market timing"?

It's IMT.

Inconsequential Market Timing.

I try to do a little of it myself - try to time when I buy/sell during rebalancing.
by Ged
Fri Jun 15, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3219

Re: Job in MA, live in MA, RI, or CT?

Lived in MA, in my opinion there is no part of MA that is commutable from NH, RI and CT where you will also retain your sanity, particularly in the winter. People do it, I don't recommend it. This is correct. Winter weather and overloaded infrastructure make living near your place of employment hig...
by Ged
Wed Jun 13, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Price Manipulation
Replies: 45
Views: 5612

Bitcoin Price Manipulation

An article in the NY Times: https://www.nytimes.com/2018/06/13/technology/bitcoin-price-manipulation.html and a DOJ probe: https://www.bloomberg.com/news/articles/2018-05-24/bitcoin-manipulation-is-said-to-be-focus-of-u-s-criminal-probe Suggest that there is significant price manipulation in these m...
by Ged
Mon Jun 11, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Recommendation for good charging station to charge phones, tablets
Replies: 11
Views: 784

Re: Recommendation for good charging station to charge phones, tablets

I have two of these:

Anker 60W 6-Port USB Wall Charger

No problems.

Anker has a big selection of types, got mine from Amazon.
by Ged
Sat Jun 09, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 12478

Re: Are you including SS in your planning model? Are the benefits really that high?

First, can that possibly be correct? Am I really going to get 20k a year in benefits? My wife has higher earnings and we are the same age. 40k a year in benefits? Yes, quite likely unless there are some major changes in American society. My wife will collect a combined $50K when I apply for my SS i...
by Ged
Sat Jun 09, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?
Replies: 8
Views: 833

Re: REIT Index funds and high P/E ratios. Better to cherry pick than hold the index?

P/E is not a meaningful metric when evaluating REITs because depreciation is counted against earnings.