Search found 3504 matches

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: 2049

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: 3501

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: 2294

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: 21
Views: 1442

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: 160
Views: 7675

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: 5504

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: 14942

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: 2161

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: 2212

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: 3958

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: 3958

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: 2212

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: 3958

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: 4750

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: 5610

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: 5610

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: 5610

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: 5610

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: 1670

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: 9673

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: 7860

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: 2040

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: 3021

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: 5401

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: 741

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: 11871

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: 798

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: 1865

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: 3016

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: 4451

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: 9199

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: 9199

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: 2541

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: 12624

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: 12624

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: 12624

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: 2828

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: 2159

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: 12993

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: 1715

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: 2390

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: 890

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: 2769

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: 2799

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: 2423

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: 916

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: 2359

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: 6483

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: 8976

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: 619

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