Search found 3320 matches

by Ged
Sat Jan 20, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 41
Views: 2135

Re: Recommend an A.C. powered auto tire inflator

The air tank already has 2 gauges, tank pressure and outlet pressure. Why do you need this gizmo? j :D Well the max pressure marked on the front (or is it rear?) tires on my tractor is 10 psi. That's half the minimum reading of 20 psi on the outlet gauge of the regulator that came with the compress...
by Ged
Fri Jan 19, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 41
Views: 2135

Re: Recommend an A.C. powered auto tire inflator

Porter Cable 6 Gal. 150 PSI Portable Electric Pancake Air Compressor $99 Porter cable air staplers, smaller nail guns, brad nailers. Air tools. Air tool for blowing out dirt/dust from engine compartment, computer innards (carefully), etc, etc. Be sure to open drain valve and drain condensate water ...
by Ged
Thu Jan 18, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance !! Moving From Morgan Stanley ...
Replies: 9
Views: 1012

Re: Inheritance !! Moving From Morgan Stanley ...

You want to get into a broker that will offer you a set of low fee index funds without trading fees, such as Fidelity, Vanguard etc. Trading in the stocks for mutual funds will incur capital gains taxes on the stock's value increase since your father's death. The longer you delay the more this will ...
by Ged
Thu Jan 18, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 41
Views: 1742

Re: Premium gas at BJ's for Mercedes

The additives will be mostly, or completely flammable materials. There will be a number of compounds in the additive. Handling flammable materials, particularly in public, is a highly regulated activity. Given the typical highly educated work staff at gas stations, I'm thinking this "additive addit...
by Ged
Wed Jan 17, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 70
Views: 6024

Re: likely date for a bitcoin crash: does this make sense to you?

likely date for a bitcoin crash What I've been wondering.....there are companies accepting Bitcoin as payment. What happens to these companies (and ultimately the markets) when Bitcoin crashes...? Some companies have stopped accepting Bitcoin because of the volatility. https://cointelegraph.com/new...
by Ged
Wed Jan 17, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Home Depot?
Replies: 35
Views: 2259

Re: Sell Home Depot?

keep it. It's a very good stock. Do drip overtime and you are going to be end big. sell it. It's a going to be very poor stock. You are going to end up losing. And there you have it, 99% of stock advice threads. I'll throw my 2 cents in. HD is a very volatile stock, very sensitive to the economy. S...
by Ged
Mon Jan 15, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18279

Re: Are you finding any good values at Amazon anymore?

Amazon was significantly higher than Home Depot so I just did an online pick up in store Home Depot order. I don't think Amazon has ever been competitive with Home Depot for most of the stuff they both sell. In fact I tell my wife that Home Depot and Costco are the only brick and mortar stores I go...
by Ged
Mon Jan 15, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 988

Re: Best rock solid router with vpn server and guest network

Asus RT-AC66R. I haven't found to a reason to use Merlin or DD-WRT software yet, the ASUSWRT supplied with it has satisfied all of my needs and is updated frequently. It is a rock solid router with excellent software flexibility including VPN and guest network support. I hacked it a bit physically t...
by Ged
Mon Jan 15, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 23159

Re: What frugal thing did you do today?

Went to Costco and bought only gas and the items on the list my wife gave me. It was premium but that's what my car's manual says to use.
by Ged
Mon Jan 15, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3060

Re: PTO policy after international business travel

I have traveled to Korea on business for two weeks from NY. It was a straight up 16 hour flight across 14 time zones. On return it took me 2 days to recover to the point where I was contributing again although I will say it took a bit longer to get to full speed.

Five days off is a bit much.
by Ged
Mon Jan 15, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1322

Re: TSA locks for luggage

TSA locks are useless. Firstly they have been hacked so that thieves can now open them, and secondly I've had occasions where the TSA just cuts the locks off before searching the luggage.

https://lock-picking.wonderhowto.com/ho ... s-0164446/
by Ged
Mon Jan 15, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3620

Re: Are land line phones still being supported?

During Sandy only copper landlines in my area worked. I think losing copper landlines is close to criminal given rising safety concerns for various reasons. During Sandy many areas lost their land line service due to flooding. https://www.reuters.com/article/us-storm-sandy-telecommunications/hurric...
by Ged
Sat Jan 13, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1701

Re: wireless dead again - router suggestions?

Google is good equipment, the problem I have with it is that it comes with a privacy notice - they collect data from your router. Be sure you are ok with that. Recently I've had good luck with Asus - they patch vulnerabilities aggressively and most models are based on well established Open Source pr...
by Ged
Sat Jan 13, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Capital Preservation after an 8 year bull market
Replies: 17
Views: 1949

Re: Capital Preservation after an 8 year bull market

My personal financial goals for the next 5 years are to put a $100,000 down payment on a house and make a separate life-changing $100k capital purchase. Money that you will need in the next 5 years should not be in the equities. Short term bonds, CDs, even Federally Insured savings accounts are wha...
by Ged
Fri Jan 12, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4455

Re: Almost a pathological fear of debt, to my detriment?

I'm like you. I hate debt. Never had any except a mortgage. It's perfectly reasonable to be leery of taking on that obligation. The future is uncertain. Even if the interest rate is low. However owning a home is more compelling to my psychology than avoiding having a mortgage. In particular I'd REAL...
by Ged
Fri Jan 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12107

Re: Is it time for me to "call in rich"?

bhsince87 wrote:
Wed Jan 10, 2018 9:34 pm

Now we're at at $3.2 million!

But truth be told, I'm tired of this job.
Life is short.

What are you waiting for??????
by Ged
Thu Jan 11, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5589

Re: Trying to downsize but still too much stuff

18 of these IKEA boxes I envy you. I have given up on de-cluttering and resigned to the idea of leaving that job to my heirs. The best I've managed is selling off about half my books on Amazon. I still have a garage half full of machine tools and 8 full size book cases. My only excuse is that my wi...
by Ged
Wed Jan 10, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Fertilize dormant plants in winter?
Replies: 13
Views: 899

Re: Fertilize dormant plants in winter?

The local agricultural university where I live suggests waiting until the soil temperature is 50 F. Otherwise plants are not active and the fertilization is inefficient.
by Ged
Tue Jan 09, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1777

Re: Personal Finance Magazine

I wouldn't call the Economist a personal finance magazine. It's more a world news publication from the British point of view.
by Ged
Tue Jan 09, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22282

Re: Fidelity charges to close accounts!

The Wizard wrote:
Wed Dec 06, 2017 5:45 pm
This is a four year old thread.
Some details may have changed...
I recently closed out one of my wife's IRAs at Fidelity by withdrawal and transfer to a joint Fidelity Cash Management account. No charge. YMMV. We both still have other Fidelity accounts.
by Ged
Tue Jan 09, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe not a win for teachers/I need some advice
Replies: 46
Views: 2738

Re: Maybe not a win for teachers/I need some advice

Teacher88 wrote:
Tue Jan 09, 2018 11:04 am
Just called them again. Yes, it is .15% annually.
That's excellent for a 403b. My wife was on Valic which was far worse. Only one decent fund and far higher expenses.
by Ged
Tue Jan 09, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1163

Re: 2006 subaru timing belt replacement

p0nyboy wrote:
Tue Jan 09, 2018 12:13 pm
neilpilot wrote:
Tue Jan 09, 2018 12:09 pm

If you want timing belt insurance, drive a car with a timing chain.
Yep. My corolla has a timing chain. I believe most or all the new subarus also now have timing chains.
Yes, it seems like most new 4-cyl cars now have timing chains. The 6's have been slower to get chains.
by Ged
Tue Jan 09, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1163

Re: 2006 subaru timing belt replacement

I have a 2006 subaru forester with 72,000 miles. The timing belt is starting to show signs of age so im going to have it replaced...along with water pump, tensioner and idler bearings (not really sure if everything needs replaced by while the mechanic is in there its just easier to do it all at onc...
by Ged
Mon Jan 08, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 9980

Re: Trusts for adults Children

\Divorce is not a low probability event. I agree, but my point is with the new generation, they may not get married even. So why worry unnecessary. The trend I’m seeing with my family and friends in UK and here. They may cohabitate, may have children together, but might not marry. The decline in ma...
by Ged
Mon Jan 08, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 9980

Re: Trusts for adults Children

I don’t think it’s the same analogy. If you drive everyday, the odds are higher. How often do you do anything to get sued, unless you are in a profession like medicine, there is almost near zero chance. But this is why I get umbrella insurance, it costs me less than $1000 for $5 million insurance. ...
by Ged
Mon Jan 08, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3282

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

Lots of people change jobs mid career or transfer. Then of course you might change locations on retirement.

Many such plans are overtaken by events.
by Ged
Mon Jan 08, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 172
Views: 17219

Re: Anyone disenchanted with retirement?

So when I told my boss I was retiring the begging started. First it was from the owner of the company I worked for, and then later when my boss left and went to a new job he started trying to get me out of retirement for a new position. I did relent a little and sign a 1 year consulting contract wit...
by Ged
Mon Jan 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 94
Views: 3960

Re: Are Password Managers Really Necessary?

Just saw this article over the weekend for what it's worth. https://www.theverge.com/2017/12/30/16829804/browser-password-manager-adthink-princeton-research It should be noted this only potentially applies for browser password managers and not some of the other options out there. Interesting articl...
by Ged
Sun Jan 07, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17671

Re: Memo to those who have won the game: it's time to quit playing

I guess I don't understand why someone who has "won the game" would be taking a gradualist approach to reducing their equity allocation, especially in the face of the obvious high market valuations. If you don't need to have anything in stocks or need a much lower percentage than you currently have...
by Ged
Sat Jan 06, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Am I market timing with my newly considered AA?
Replies: 11
Views: 849

Re: Am I market timing with my newly considered AA?

MyrnaMinkoff wrote:
Sat Jan 06, 2018 6:20 pm
there's more than a bit of fear involved.
Your allocation to equities should allow you to sleep well at night.
by Ged
Sat Jan 06, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

You don't want your pressure regulator vent port to get iced up. When gas flows through a regulator it cools due to the Joule Thompson effect. Moisture around it will cause problems, in particular freezing of the vent port. https://www.lincenergysystems.com/linc-energy-blog/entry/natural-gas-regula...
by Ged
Sat Jan 06, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1278

Re: Question on Natural Gas Meter

You don't want your pressure regulator vent port to get iced up. When gas flows through a regulator it cools due to the Joule Thompson effect. Moisture around it will cause problems, in particular freezing of the vent port. https://www.lincenergysystems.com/linc-energy-blog/entry/natural-gas-regulat...
by Ged
Sat Jan 06, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9620

Re: Effects of extreme cold weather

Our local weatherman posted a nice little story in the paper today. Some think that -40 and -30 are the same. He said that every degree up or down is the exact same amount of change. 80 and 90 are different. -40 and -30 are different. -55 and -45 are 10 degrees apart. :shock: More different than yo...
by Ged
Fri Jan 05, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 10707

Re: Crashplan for Home ending service late 2018

Yukon wrote:
Fri Jan 05, 2018 10:44 am

Any particular reason you selected Amazon Drive for primary offsite backup?
It was easier for me to set up because I already have an Amazon account.
by Ged
Thu Jan 04, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 10707

Re: Crashplan for Home ending service late 2018

I started looking at alternatives when this thread started, and have pretty much settled on an solution based primarily on Arq plus Amazon Drive for bulk offsite backup. Crashplan is now dead to me. I don't miss it either. I really like the fact Arq has a lot of target options. I've tested it a coup...
by Ged
Thu Jan 04, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 59 year old parents new to investing
Replies: 7
Views: 541

Re: Investment advice for 59 year old parents new to investing

There are no penalties for withdrawing from a traditional IRA after age 59 1/2. The withdrawal is just treated as taxable income. The complications come about later - after age 70 there are required minimum withdrawals, and there are some estate planning issues that you may want to address. In parti...
by Ged
Thu Jan 04, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24628

Re: Hitting The Sell Button

At 58, it seems to be like that laurel hedge growing out of control, a big chore to maintain. This is because I am concerned about controlling my risk as I get older. Ah to be young again! How are other older investors like me reacting to this? Am I alone in how I feel about this? I'm 67 almost 68 ...
by Ged
Wed Jan 03, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Intel might take a hit
Replies: 38
Views: 3918

Re: Intel might take a hit

If Intel stock were to drop instantly to zero , my Vanguard Total Stock Market Index Fund's value would drop -0.76%. It can fluctuate that much in a fairly normal day. To be fair, that event would probably have ripple effects on many other tech companies that depend on Intel, and the net would be m...
by Ged
Wed Jan 03, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones - help
Replies: 38
Views: 3229

Re: Edward Jones - help

Is the company forcing you to use EJ? If not can you direct the match to a different IRA? The sooner you get out of the EJ swamp the better off you will be.
by Ged
Wed Jan 03, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with parent under Medicare age?
Replies: 18
Views: 842

Re: What to do with parent under Medicare age?

Mother in law never worked in the United States. Questions: What is the best way for her to get health insurance? Your MIL will not be eligible for Medicare until she has been a resident of the US for 5 years. This is about the time it should take for her to get citizenship. In general states also ...
by Ged
Wed Jan 03, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How safe are retirement accounts?
Replies: 19
Views: 1748

Re: How safe are retirement accounts?

Well certainly inflation is something to consider. War a remote possibility.
by Ged
Wed Jan 03, 2018 12:02 am
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6133

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Had Warren Buffett betted against Charlie Chai, fund manager of Fidelity Select Technology, the outcome would have been different. FSPTX went up 49% in 2017 and averages 13% over 10 years. TravelforFun Fidelity Select Technology is not a hedge fund. It is a managed sector fund. Nor was the bet abou...
by Ged
Sun Dec 31, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 53
Views: 26695

Re: Honda Care Extended Warranty experience?

I bought an 8 year Honda Care warranty for my 2012 Acura TL from Hyannis Honda 5 years ago mostly because of all of the electronics. Price was about $1000. The things I've had to replace on the car are expendable components - drive belt, tires, wiper blades, battery, cabin air filter etc. Needless t...
by Ged
Sun Dec 31, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: What do you consider wealthy?
Replies: 28
Views: 2547

Re: What do you consider wealthy?

OldSport wrote:
Sun Dec 31, 2017 9:47 am
but just being wealthy enough to do so without having to work.
Close.

It's whether or not you are happy in your life. There are lots of people with money who are miserable. They are not wealthy.
by Ged
Sat Dec 30, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Concern that somebody else can open a new fund for me without permission?
Replies: 23
Views: 1997

Re: Vanguard security: Somebody else can open an account for me without my knowledge

I did the same thing at Fidelity to distribute funds from my father's estate to the heirs (my brothers). When I distributed trust assets, I asked the heirs if they wanted an account at Vanguard. Those who did, got their shares in-kind after filling out paperwork to open new accounts . My brothers h...
by Ged
Fri Dec 29, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Concern that somebody else can open a new fund for me without permission?
Replies: 23
Views: 1997

Re: Vanguard security: Somebody else can open an account for me without my knowledge

I can't speak for how it works at Vanguard, but at Fidelity I can and do move money from my account to my 40-something kid's accounts, knowing only their names and Account numbers. I can't get into their accounts or do it online, but Fidelity has a "Transfer Between Existing Fidelity Brokerage Acco...
by Ged
Fri Dec 29, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 6623

Re: Wifi Router Advice

I was able to cut my cable down from $180 to $135, went down to basic channels, got rid of phone, and no longer renting router. Now, spectrum will provide a cable modem at no charge but wifi carries a monthly charge - so I am getting my own wifi router. Anyone have recommendation for this ? ( my ca...
by Ged
Fri Dec 29, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Best way to average 7% in $1M+ 401K for next 10 years
Replies: 29
Views: 2680

Re: Best way to average 7% in $1M+ 401K for next 10 years

chuckcintron wrote:
Fri Dec 29, 2017 9:58 am
I need to do 7% on top of this.
I would be VERY HAPPY to get 7% over the next decade. In reality though I don't think it will happen. We are at some pretty rich valuations right now and history says that a period of lower returns is likely.

You may want to be flexible in your goals.
by Ged
Thu Dec 28, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1144

Re: Think Home might have Asbestos (what to do?)

cal91 wrote:
Thu Dec 28, 2017 3:33 pm

Really? I have heard that it is unadvisable to attempt to remove it yourself.
Some things, like removal of asbestos floor tiles in good condition are a reasonable DIY project. Other things not so much.

http://www.health.state.mn.us/divs/eh/a ... resft.html
by Ged
Wed Dec 27, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Stock prices -- Are they only dependent on how much people are willing to pay and how much they are willing to hold?
Replies: 20
Views: 1585

Re: Stock prices -- Are they only dependent on how much people are willing to pay and how much they are willing to hold?

Are there any kind of investment that has more intrinsic value (I am guessing only real estate) or do stocks hold some intrinsic value so that they won't fall below a certain threshold? A stock has an intrinsic value based on the financial holdings and liabilities of the company. That value can tur...