Search found 3484 matches

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: 7273

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: 1857

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: 66
Views: 2543

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: 4994

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: 661

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: 11120

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: 742

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.
by Ged
Wed Jun 06, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 1695

Re: New Medicare card

nisiprius wrote:
Wed Jun 06, 2018 10:17 am
Anyone know if there are any plans to fix the Social Security numbering system?
They plan to fix it. However don't expect it this decade.

Estonia and the Netherlands have some interesting systems in use today.
by Ged
Tue Jun 05, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 2898

Re: what to do if win some lottery money

rantk81 wrote:
Mon Jun 04, 2018 8:42 pm
feh wrote:
Mon Jun 04, 2018 7:30 pm
FWIW - in the given state, the winner does not have the option of remaining anonymous. I wonder if a prize of this size will attract scammers or financial advisers...
Redundant? :P
Family members may be a bigger threat.
by Ged
Fri Jun 01, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4260

Re: Travel advice for an engineer

In my travels, three destinations have blown me away: The Duomo in Florence The mosque of Cordoba Diocletian's palace in Split I work on large, first of a kind, science/engineering/construction projects, and so am fascinated to see these old projects. Can you suggest other travel destinations, and/...
by Ged
Wed May 30, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8755

Re: Router hack, have you acted?

We are moving in a few weeks. At my new place I will replace my tplink with google mesh for further security "Google security" is an oxymoron. They already know more about you than anyone else. Don't give them control of your network as well. I'm trying g to de-googlize myself the best I can. My im...
by Ged
Wed May 30, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8755

Re: Router hack, have you acted?

I updated my firmware, which includes a reboot.

Didn't change the password. The router (Asus) is not on the affected list.
by Ged
Tue May 29, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2458

Re: Solid Raw wood from South Africa infestation?

The rhino has 16 tiny holes. Could this caused by termites or wood beetles? Do you think my book shelves or/and hardwood floor has infestation as a result of the sawdust on the shelves and floor? Powderpost beetles have been known over time to cause major damage to a structure. Some species are ind...
by Ged
Sun May 27, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12209

Re: done with Gmail

You can customize spam handling but you can't be watching it 24/7 the way the largest providers can. You can automate notifications etc. but somebody has to be there to deal with them when a new situation comes up. You'd have to spend a lot of time building intelligent responses to all the possible...
by Ged
Sun May 27, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12209

Re: done with Gmail

I think the handwriting for Thunderbird is on the wall, and while I use/recommend it for some purposes (moving mail between imap servers when someone doesn't have a tool like imapsync, or importing mbox files, for example) I wouldn't use it for most purposes. I haven't seen a web client for email t...
by Ged
Sun May 27, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 12209

Re: done with Gmail

You should be using a POP account so all the emails are copied onto your personal hard drive as they are received. That is one solution. Another decent one mentioned here is to use Gmail as an IMAP server and Thunderbird to access it. If you are technically inclined you can do what I do. Set up you...
by Ged
Fri May 25, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2688

Re: Folks, I'm calling the Tops for Bay area RE market

Pajamas wrote:
Fri May 25, 2018 11:23 am
Something else to consider is that large corporations are recognizing the benefits of decentralizing their workforces.
I think any corporation with their HQ in Shakeytown and a long view would definitely want to decentralize.
by Ged
Wed May 23, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2039

Re: Debating whether to rebuild tractor or buy a new zero turn

I was told that the new motors require some custom work. I would hate to get caught in the middle of some miscommunication between the repair man and engine company especially considering that I am not an expert when it comes to engines. Have you talked to the engine company about this concern? May...
by Ged
Mon May 21, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12334

Re: how do you tip on wine at a restaurant

TravelforFun wrote:
Wed May 16, 2018 8:21 pm
I like the European way. They pay their kitchen and wait staff living wages so tips are not expected.

TravelforFun
Yes, and if you do tip for exception service they generally thank you.
by Ged
Mon May 21, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1605

Re: Medicare and Cataract surgery - one or two charges?

Normally done one eye at a time. My GP was pretty insistent on this as he once had a two-eye at once patient who had gotten an infection causing loss of sight in both eyes.
by Ged
Mon May 21, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Need help firing my financial advisor
Replies: 16
Views: 2319

Re: Need help firing my financial advisor

I would highly recommend keeping a permanent record of your cost basis. There are numerous reports of people having issues with it getting lost for one reason or another.
by Ged
Sun May 20, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 846

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

Home Depot installers are independent contractors that have been recruited by Home Depot to do this work. YMMV.
by Ged
Sun May 20, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2662

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Be aware that IRA funds are (or may be) more subject to creditors than employer plans (401l, 403b, etc.). I think this varies from state to state. The OP should check to see if such protection exists in his state for IRA funds. (Protection for 401k plans is at a Federal level.) Very true. Note that...
by Ged
Sat May 19, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2702

Re: Dash camera

I mounted it in front of the rearview mirror so it's very unobtrusive from the outside, and I don't even see it from the inside. Didn't want anything interfering with my field of vision. Yes, you want to be sure that whatever camera you use is compatible with traffic laws that make anything that ob...
by Ged
Fri May 18, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 24
Views: 2298

Re: Home Loan from Parents

One thing to consider in a situation like this is what would be the consequences of one or both parents requiring several years of expensive nursing care. Would your loan compromise their ability to pay for this, and what would the legal implications of such a loan vis-a-vis Medicaid be.
by Ged
Fri May 18, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Are you concerned that over 75% of IPOs are unprofitable?
Replies: 8
Views: 881

Re: Are you concerned that over 75% of IPOs are unprofitable?

Nah. The value of a stock is based on the discounted cash flow of FUTURE earnings.
by Ged
Fri May 18, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2244

Re: Mitsubishi wall air conditioner

I own a Mr Slim (Mitsubishi Ductless Mini Split) which I had installed in my garage which I use as a workshop. It allows me year round comfort at a reasonable cost. Never had any trouble with it or needed any maintenance other than periodically cleaning the filter. There are several manufacturers of...
by Ged
Wed May 16, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6283

Re: Neighbor wants to use our land temporarily - let them or not?

fsrph: I agree with your first reply by livesoft: Yes, I would not hesitate to do so and I wouldn't care at all about liability issues. If there is one thing I have learned about neighbors, it is the great importance of keeping neighbors as friends. Best wishes. Taylor I am with livesoft and Taylor...
by Ged
Wed May 16, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8757

Re: Golden Handcuffs

Depends on your age and family situation.
by Ged
Tue May 15, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Patio furniture cover in the northeast
Replies: 9
Views: 570

Re: Patio furniture cover in the northeast

Here in NJ I've had decent results with HD heavy duty tarps and bungie cords on my patio picnic table.

https://www.homedepot.com/p/12-ft-x-16- ... /202026936
by Ged
Tue May 15, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Killing mold and mildew outdoors
Replies: 8
Views: 752

Re: Killing mold and mildew outdoors

I've used Wet and Forget for several years on the north side of my house which gets somewhat mildewed without treatment.

For the second story I use a trombone sprayer.

Excellent stuff.
by Ged
Mon May 14, 2018 2:52 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11575

Re: The front page is ugly

It has a certain rustic charm. Better is the enemy of good enough.

Don't fix it if it's not broken.

It loads very fast.

It's compatible with a wide range of simple browsers.

The price is right.

MOST IMPORTANT OF ALL:

When it loads Ghostery tells me there are 0 trackers.

:sharebeer
by Ged
Mon May 14, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Sports Betting Opportunities
Replies: 25
Views: 2083

Re: Investing in Sports Betting Opportunities

jhfenton wrote:
Mon May 14, 2018 2:00 pm
I have no idea who will benefit from expanded sports gambling in order to take advantage of the opportunity.
I would bet on the lawyers.
by Ged
Sun May 13, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Two Fund or A Managed Portfolio?
Replies: 13
Views: 967

Re: Vanguard Two Fund or A Managed Portfolio?

JSS wrote:
Sun May 13, 2018 1:34 pm
I am considering hiring a financial advisor that I trust.
I would re-evaluate that trust. The portfolio listed is not in your best interest. It is devised to benefit your adviser.
by Ged
Sun May 13, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on cashing in investment
Replies: 13
Views: 1040

Re: Taxes on cashing in investment

dbr wrote:
Sun May 13, 2018 5:23 pm
The only valid advice this forum can give you is the advice to see an attorney.
+1.

An attorney with probate experience. Plus a CPA for the taxes.

Handling an estate improperly can cost you big time. You are heading for a train wreck.
by Ged
Sun May 13, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6833

Re: Doubling Your Money

The rule of 72 is an approximation of the following formula: t = ln(2)/(ln(1+r/100)) where r is the interest rate percentage per period and t is the number of periods. This is quite easy to use in a spreadsheet or a scientific/financial calculator. For a situation involving continuous interest 69 is...
by Ged
Sun May 13, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Is Whole Life Insurance Worth It?
Replies: 54
Views: 4143

Re: Is Whole Life Insurance Worth It?

JoeChick10 wrote:
Sat May 12, 2018 3:15 pm

1. Do I need life insurance?
2. Do you recommend whole or term?
1. Maybe. Depends on whether you have someone who is financially dependent on you that you wish to protect.
2. Term.

Comment: Maybe you should re-evaluate your 'friend'.
by Ged
Sat May 12, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 958

Re: Getting Bombarded With Medicare Mailings!

Yes it's normal. The trash is the right place for this stuff. The USPS is being sabotaged by Congress. I won't say anything further because politics is frowned on here. When the time comes to sign up for Medicare go see your local SHIP office for advice. They do a great job. https://www.shiptacenter...
by Ged
Sat May 12, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 21
Views: 959

Re: Help with Mom's portfolio

The allocation percentage looks ok, but individual equities are questionable. However it would be silly to sell highly appreciated stocks unless she is in a low tax bracket. On death these investments get a basis reset making gains effectively tax free. I would definitely stop any dividend re-invest...
by Ged
Fri May 11, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3113

Re: How close do you cut your monthly surplus?

yo Logic states that we should put all the money we are saving in tax advantaged accounts but we just can't cut it closer than 1k a month. Not necessarily. You have no idea whether or not the tax codes and your personal financial situation when you retire will be more favorable to the pre-tax or af...
by Ged
Fri May 11, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Is REIT a prudential investment choice at the moment?
Replies: 20
Views: 1950

Re: Is REIT a prudential investment choice at the moment?

REITs are very volatile and interest rate sensitive. We are in a rising interest rate environment at the moment. Not good for REIT. I am ok with the REIT percentage I have in my total market funds right now. I've never received a K-1 from investments in a REIT fund. If I were to overweight REITs (so...
by Ged
Thu May 10, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: CA homes vs stock market
Replies: 8
Views: 804

Re: CA homes vs stock market

Stock market. Buying a single property is way too concentrated an investment.

Plus you will have to pay taxes and maintain it.
by Ged
Wed May 09, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: High fee funds
Replies: 26
Views: 3202

Re: High fee funds

So how long of a track record would you require before you felt that the past performance was some indication of future performance? You may get heads seven times in a row flipping a coin. That doesn't change the fact that the 8th toss is still 50-50. https://www.economist.com/news/finance-and-econ...
by Ged
Mon May 07, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6277

Re: How much car to buy on $250K income, $200K NW, newborn on the way

It depends on what your retirement goals are. If you want to work to 68 then splurge. If you want to retire much earlier be frugal and get an econobox.
by Ged
Mon May 07, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4782

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

> You would have to establish a non-US citizenship and renounce your US citizenship and leave the US to make this step be protective of your assets. This seems an overstatement; opening an account overseas is not forbidden so long as you report account info to the IRS. There are plenty of developed...
by Ged
Sun May 06, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4782

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

> Does it make ANY sense for a US citizen to stash emergency funds overseas?

No I don't think so. You would have to establish a non-US citizenship and renounce your US citizenship and leave the US to make this step be protective of your assets.
by Ged
Fri May 04, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10778

Re: Wanting to leave Fidelity

I moved almost all of our investments from Fidelity to Vanguard. The main reason was unsolicited calls from my Fidelity "Account Executive" urging me to take advantage of some flaky investment opportunity. Every call sounded like his hair was on fire and that the world was ending today. Not my way ...
by Ged
Thu May 03, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4039

Re: Costco Vs Amazon Prime

Freefun wrote:
Thu May 03, 2018 7:17 am
I use both. I don’t want produce from amazon and I don’t want movies from Costco.
+1
by Ged
Wed May 02, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1320

Re: Help me choose a second computer monitor

Some time ago I bought a Dell UP3014. It is not inexpensive but it is very good. The current iteration of this is the UP3017. It is a 16:10 monitor with 2560 X 1600 pixels. It's IPS and has color calibration features which I use since I'm a photographer. It's also great for writing because the 16:10...
by Ged
Mon Apr 30, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8945

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

dm200 wrote:
Mon Apr 30, 2018 10:18 am
Make BOTH of them learn (and show you) how to change a tire on the car they will be taking. Make sure spare (whether full size or donut) is fully OK.
These days quite a few newer cars come only with a can of compressed gas+sealant.

I would suggest a car charger for their cell phones.