Search found 126 matches

by Marylander1
Sun Jul 15, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1374

Re: Splitting Monies between multiple investment houses

Personally, in my view you are overthinking this and unnecessarily creating headaches for yourself by maintaining accounts at multiple brokers for the reason you state. After all, you run a greater risk of getting killed every day while driving in your car (maybe you should quit your job and work f...
by Marylander1
Wed Jun 27, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2660

Re: Financial Newspapers & Publications

The Economist. It tends to cover the longer term situation instead of just last week, dig deeper, and almost never run junk news like irrelevant trends or press releases.

Marylander1
by Marylander1
Wed Jun 13, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2442

Re: best way to receive large sum of money from another country

If you're close to a TD Bank, they may be a good option, since TD has branches in the US and Canada. As a small example, TD Customers from either country can use ATMs in the other country at no cost.

https://www.tdbank.com/net/absearch/

Marylander1
by Marylander1
Sat May 19, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

I disagree, however, with your assessment of the consequences of choosing to flaunt social norms about tipping. A life led choosing to tip less than is expected could well lead to a succession of resentful wait staff and could lead to social sanction by family members embarrassed by or disdainful o...
by Marylander1
Wed May 16, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12669

Re: how do you tip on wine at a restaurant

What if I order water (free), do I tip zero? I tip additionally when I order anything that requires more work than reflected in the bill. This applies whether it's 10 free drink refills because I was extraordinarily thirsty, cleaning up after an infant threw their food on the floor, or a free desse...
by Marylander1
Tue Apr 17, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 801

Re: underwater camera advice

I have a TG-5 and it's awesome, a big improvement from the TG-4. It uses a standard micro-USB charger cable so it's compatible with almost any charger or external battery pack, plus its internal swappable battery has a reasonably long life. If you're willing to put extra time into higher-quality ima...
by Marylander1
Wed Apr 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: NASA Goddard Summer Intern Housing Search
Replies: 4
Views: 793

Re: NASA Goddard Summer Intern Housing Search

Goddard is in a suburban residential area on several bus routes, including the regional Metrobus, county The Bus, and University of Maryland Shuttle UM. It may be possible to tap into those routes from housing typically rented during the school year by students. There is also a Greenbelters Facebook...
by Marylander1
Sat Apr 07, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4457

Re: Undecided students and STEM majors

Sometimes in life, you do get what you pay for. Sons at a private college both had opportunity to switch. ME and b-school both to CS. I suspect it's more correlated with school size (and the bureaucracy and resource constraints that grow with size) than cost. My undergrad was a small public enginee...
by Marylander1
Sat Mar 31, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4617

Re: Tired of gas grills rusting out...

Thanks to all for the fantastic info. Weber it is! 20-year old grills are good references only if the new grills have the same quality. Weber used to be very good, but their quality seems to have dropped sharply of late, as discussed at https://www.bogleheads.org/forum/viewtopic.php?f=11&t=216111&p...
by Marylander1
Sat Mar 10, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Is Amazon HD video better than a blu-ray disc?
Replies: 13
Views: 1018

Re: Is Amazon HD video better than a blu-ray disc?

I'm surprised Amazon claims their HD streaming option is similar to Blu-Ray. I disagree from my own personal experience. It's possible though that Amazon has recently changed their compression algorithm, bitrate, or both. I've found Amazon's video quality always lower than Blu-Ray, and lower than N...
by Marylander1
Wed Mar 07, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 11199

Re: Ok fellow bogleheads, was the correction scary or nothing?

It's interesting that the term "correction" now always means a drop to the financial press. When something has been undervalued, isn't it also a correction when it rises?

Marylander1
by Marylander1
Thu Feb 22, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 17415

Re: Ordering a Weber grill this week

I had a great Weber grill I bought in 1994 and it lasted 20 years. Then I bought a replacement Weber grill, my last. The old one was tough and mighty. The new one is designed to look tough and mighty, but is weak and fragile. When I opened the box, the side of the lid—seemingly a sheet of cast metal...
by Marylander1
Wed Feb 21, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78138

Re: Netflix, Your Current Favorite Show

Finished A Carbon. Definitely picked / clarifies up a few epidsodes in. Is it a one season only? After Altered Carbon, Richard Morgan wrote another Takeshi Kovacs story called Broken Angels. If the series does well, I wouldn't be surprised if Netflix makes a "second season" from it. https://en.wiki...
by Marylander1
Sat Feb 17, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 4122

Re: Mixing fuel octanes for cars

Our strategy is to avoid buying any car that is so poorly designed as to require needlessly expensive gasoline.

Marylander1
by Marylander1
Fri Feb 09, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: year end charitable gift by credit card
Replies: 3
Views: 471

Re: year end charitable gift by credit card

When I make an online donation on December 31, I save a copy of the confirmation page, and usually receive an email immediately, which I also save as documentation.

How did you make your payment?

Marylander1
by Marylander1
Sat Feb 03, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Anyone experience this bizarre Verizon behavior?
Replies: 8
Views: 1515

Re: Anyone experience this bizarre Verizon behavior?

I switched from Verizon to Google Fi, and got similar treatment. I was on auto-bill and I think they charged me a reasonable amount several weeks later than usual. Since I had been with Verizon for fifteen years, I expected at least a mailing or call to try to retain my business, but absolutely noth...
by Marylander1
Sun Jan 28, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 8997

Re: What is a good flat rate cash back credit card?

I never redeem Ultimate Rewards points through the Chase travel portal. I transfer the points from Chase to United Airlines where the frequent flyer miles are worth 1.5 cents each for the European trips for which I use them. That’s a 2.25% redemption. We sometimes find quite good value on the Chase...
by Marylander1
Thu Jan 25, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Credit Card Compromised... again.
Replies: 16
Views: 1282

Re: Credit Card Compromised... again.

My credit cards are configured to send a text message with every charge. The majority of the time I get a text, I've just swiped my card or clicked "Order" on a website; it happens within seconds. Occasionally I get notified that a recurring charge has gone through, or a charge is applied when an or...
by Marylander1
Tue Jan 16, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78138

Re: Netflix, Your Current Favorite Show

Now playing on Netflix: Dreamland is a hilarious Australian office comedy about a hapless team trying to build major infrastructure projects, painfully accurate for anyone who's worked in public service on any continent. https://www.netflix.com/title/80063251 Norsemen is an exceptionally violent dea...
by Marylander1
Sat Jan 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Has InformedforLife.org (vehicle safety ratings) gone too far?
Replies: 29
Views: 2300

Re: Has InformedforLife.org (vehicle safety ratings) gone too far?

Alex Frakt wrote:
Fri Jan 12, 2018 10:08 pm
But, IMO, his opinion that weight trumps all else is not supported by the evidence.
Were it true, one of the best investments in a safer life would be to fill your trunk with cinder blocks.

(This is not a recommendation.)

Marylander1
by Marylander1
Thu Jan 11, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5843

Re: Someone spoofing my phone number?

likegarden wrote:
Thu Jan 11, 2018 6:45 pm
For weeks now again those probably fake IRS people are calling with their fake Washington phone number.
For what it's worth, the vast majority of IRS people who call taxpayers do not work in the 202 area code.

Marylander1
by Marylander1
Thu Jan 11, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 3185

Re: Keeping sensitive documents in the cloud -- bad idea?

Since you're a Dropbox customer, I hope you're aware their security breaches have had some doozies: Dropbox confirms security glitch--no password required https://www.cnet.com/news/dropbox-confirms-security-glitch-no-password-required/ Hacked Dropbox login data of 68 million users is now for sale on...
by Marylander1
Thu Jan 11, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1797

Re: Kenmore Washer Dryer

We also bought a front-loader LG set from Costco based on Consumer Reports, and love them. No repairs or problems of any sort so far. It replaced a 25-year-old Maytag, and were surprised how the better cleaning, larger load has made our lives happier. It also uses much less water, so we don't have t...
by Marylander1
Mon Dec 25, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit card fraudulent charge - How could this happen?
Replies: 13
Views: 2017

Re: Credit card fraudulent charge - How could this happen?

OP here: I am not playing detective. I like to understand how things work.. I am naturally curious how something like this can happen, and that's all there is to it I've had almost as blatant experiences, and also wonder. The only options I can imagine are 1) Card numbers leak from their creators a...
by Marylander1
Sun Dec 24, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 41
Views: 3795

Re: Google Project Fi - "Device Protection" problem

Google seems to be taking action that helped me a lot, but unfortunately probably not munemaker. I have Fi and a 5X, and Google emailed and posted in my Fi app an offer for a Moto X4 for $174 net. This is with $150 trade-in credit for my 5X. Perhaps they're buying back 5Xs to refurbish, while reduci...
by Marylander1
Wed Dec 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering federal taxes with extra estimated state payment?
Replies: 1
Views: 251

Lowering federal taxes with extra estimated state payment?

Someone else's TV today had CNBC financial porn coverage of the tax bill*. They mentioned an actionable strategy for those of us in states with higher income tax rates: pre-pay 2017 taxes with an additional estimated payment. Money we send in 2017 to our state tax collector remains deductible on our...
by Marylander1
Wed Dec 06, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 2127

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

If you get a "smart bag" note you'll likely have to remove the battery when you check it, negating most of the "smart": http://news.aa.com/press-releases/press-release-details/2017/Travel-smart-with-smart-bags/ Other airlines will probably follow American Airlines' safety protocol rather than risk b...
by Marylander1
Wed Dec 06, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 13
Views: 2568

Re: TurboTax Deluxe Online for 2017

You got screwed by TurboTax. Exactly. Turbotax is the slimiest software company I've seen. I switched to H&R Block when they they dropped key forms to force customers to pay more, and decided that you had to give Intuit a copy of your tax return even to print it--on your own printer! H&R Block is j...
by Marylander1
Sun Dec 03, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2983

Re: Any websites to help find a great doctor?

Why not go see one, if you don't like her, go see a different one? The likelihood of you not getting a good one within the first couple of tries is pretty darn low That is "depressing" :( With the kind(s) of things urologists do (and have done to me) - I would not want a "bad experience" with the f...
by Marylander1
Sat Dec 02, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6036

Re: How do I convince my employees to invest more?

Default Enrollment is probably the most effective option. A few will opt out, but those who avoid thinking about retirement for now will find they've already started saving later.

-Marylander1
by Marylander1
Sat Dec 02, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 23521

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Because suddenly there will be millions of more millionaires all chasing a limited supply of goods and services. Hyperinflation would impact only Bitcoin, not more stable currencies. As long as the newly created value remains in Bitcoin , that additional "wealth" can appear stable. But whenever any...
by Marylander1
Fri Dec 01, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 23521

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

I found this article in this weekend's Economist very helpful to understand the evidence that Bitcoin is a bubble:

The Economist | A lot of zeros http://www.economist.com/news/finance-a ... rsc=dg%7Ce

-Marylander1
by Marylander1
Fri Dec 01, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2983

Re: Any websites to help find a great doctor?

Consumers Checkbook is a subscription service that provides ratings of docs by speciality (among many other occupations they rate). The specialists are rated by other docs. SF is an area that they cover. I concur. I saw a few hours ago that the latest edition includes ratings of medical specialists...
by Marylander1
Wed Nov 29, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11152

Re: Which crash have you seen it before it is coming?

I worked for a dot-com in the late 1990s. Everything was early on the way up and up, and Kozmo.com was eagerly sending out messengers to deliver investor-subsidized stuff within an hour. The day the massage therapist arrived as full-time employee #25 or so, I told my peers "When that person is laid ...
by Marylander1
Tue Nov 28, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6315

Re: How Do You Stay Current With Popular Music?

We listen to WTMD 89.7 Baltimore, often online. It's one of the few actual radio stations with human DJs among the vast wasteland of cloned commercial junk stations. Princeton NJ also has a great station.

Marylander1
by Marylander1
Tue Nov 28, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Moto X4 through google fi offering $100 credit
Replies: 11
Views: 1202

Re: Moto X4 through google fi offering $100 credit

I am not sold on Project FI. I prefer to stay on Verizon or AT&T due to coverage gaps. Yup. FI uses a combination of T-Mobile and Sprint Towers. If you live in areas where neither network is good, FI isn't a great idea. Your information seems long out of date. Fi added US Cellular to T-Mobile and S...
by Marylander1
Mon Nov 27, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 21196

Re: The fallacy of spending money on "experiences" vs hard assets

Logical fallacy alert! Some in favor of "hard assets" on this thread seem to first conflate an "experience" with a "vacation", then attack the straw man of things they dislike about that "vacation". "Experiences" are far more diverse than vacations. Experiences include being there to help when a fri...
by Marylander1
Sun Nov 26, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2923

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

Until retirement, you should always maintain a list of people who will provide a positive job reference (especially former supervisors). It's also wise to keep in touch if that person might ever be hiring and you might ever want to work for them, whether at their current or future employer. -Marylan...
by Marylander1
Fri Nov 24, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 13574

Re: H&R Block Software: now $23.90 at Amazon!

It's now $23.90 at Amazon:
https://www.amazon.com/Block-Software-D ... B075XZZQ4D
(Friday afternoon, 2:20pm EST; I was tipped off by CamelCamelCamel)

-Marylander1
by Marylander1
Sun Nov 12, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1542

Re: Frontier Flight Fees

Frontier has some flights I'm interested in for $91 / ticket. Other flights that day are ~$300 / ticket. But Frontier almost seems like a scam... You are correct. I used to fly Frontier when they were a competent airline. Now their service is terrible and their fares are only an opening bid, onto w...
by Marylander1
Tue Nov 07, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2014

Re: Auto Insurance Payment

I've always paid in full. My insurer charges $1 per payment if you don't pay in full. But far more important, they also give a discount on the whole bill if you do. As I understand it, people who pay in full are actually correlated with having an actuarially lower risk of claims. Traveler's claims u...
by Marylander1
Sun Oct 29, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5452

Re: Interesting twist to "Free 2-day shipping" at Walmart

Since various prices are all FREE, they could give more options: $5.56 for FREE in-store pickup $6.64 for FREE 2-day delivery $12.89 for FREE 1-day delivery $38.89 for FREE 4-hour delivery $298.44 for FREE delivery by zeppelin courier $999.99 for FREE delivery by zeppelin courier with marching band ...
by Marylander1
Tue Oct 17, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 19
Views: 4431

Re: How did you rise into the Executive Ranks?

About a month into a new job, I felt so confident I told my boss, "If you ever have a project that's on fire, I want you to think of me." Three months later, my wish came true and I thoroughly enjoyed turning around a high-visibility project that had been marching straight to failure, giving it a su...
by Marylander1
Sun Oct 15, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6860

Re: Is Florida Over, 2017

If you are youngish, you may see the impact in your lifetime, if you are in your late 50s you might be long gone before it gets bad. Who knows? There are coasts already being abandoned due to flooding. Just like stock prices for a company going under, the loss tends to happen slowly, then all at on...
by Marylander1
Sun Oct 15, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 6707

Re: Amazon Prime - Decline in Delivery Service?

Has anyone noticed Amazon losing it's ability to deliver as promised? Yes. This week I had a package that didn't even ship until the day after it's "guaranteed arrival" date. Amazon's website said the not-yet-shipped package was going to arrive in the past. The "guarantee" in this case meant they'd...
by Marylander1
Wed Sep 27, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 8167

Re: Which is better a Cryptocurrency or Gold?

We live in a digital world. What Netflix did to Blockbuster. What Amazon is doing to retail. What Uber did to the taxi industry. We are witnessing legacy systems disrupted by more efficient digital systems. Bitcoin will disrupt the banking/financial industry. Ethereum will be internet 2.0. Your lis...
by Marylander1
Sun Sep 24, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 10069

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Online reviews arent really helpful because they seem more to focus on mannerism's and bedside manner than competence. There's a myth of the cowboy surgeon who is horrible to patients yet somehow the best at medicine. It's just a myth. Medicine requires communication. Communication requires listeni...
by Marylander1
Tue Sep 19, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 102
Views: 5914

Re: Online Bill Pay Security: Push or Pull?

The only bill I allow to pull is at an entity where I know the CFO. If there were a problem, I'm confident I could visit him within hours to sort it out. I push for all others. I once received a water bill exceeding $18,000. More than once my credit card bill has included large bogus charges. I don'...
by Marylander1
Sat Aug 05, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Recommendations on stackable washer/dryer
Replies: 28
Views: 2311

Re: Recommendations on stackable washer/dryer

We are interested in a new washer/dryer combo. Front loading stackable (full size) is necessary due to space. Any recommendations on models to look into or stay away from? Based on reliability and quality determined by Consumer Reports, we bought a stacking front-loader set made by LG from Costco j...
by Marylander1
Mon Jul 17, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 5847

Re: Rent in safer neighborhood or buy in less safe one?

However, consider carefully whether a neighborhood is actually safe or not...Looking only at violent crime statistics might be more meaningful. You also shouldn't make certain conclusions about the crime rate in a neighborhood just because of who lives there or what it looks like. You might be surp...