Search found 553 matches

by Ninegrams
Mon Feb 06, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 74
Views: 16519

Re: Does anybody else out there still pay for an email address?

I see no reason to pay for email service, unless you need special add-ons( domain name, etc.) that don't come free. To my knowledge there's no service out there that has been independantly audited by a reputable security company to certify that the highest standards of privacy and security are maint...
by Ninegrams
Mon Feb 06, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Can you hear me scam
Replies: 13
Views: 2492

Re: Can you hear me scam

We've all heard demonstrations back in the 1950s of how audio engineers hand-editing tape could take one speech and turn it into something completely different. Much creepier, we've heard recent demonstrations of how modern software can take a sample of somebody's speech, and use it to customize sp...
by Ninegrams
Fri Feb 03, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Stress & The Mind/ Brain & Sleep & Behavior Modfication
Replies: 19
Views: 2863

Re: Stress & The Mind/ Brain & Sleep & Behavior Modfication

Every night I nod off to sleep within 15 minutes. BUT, I wake up three or four hours later. Generally around 3:00am. I'm wide awake then and sleep is impossible. I can lay there for hours and not go back to sleep. Somewhere around 6:00ish I nod off and get 15-30 minutes of deep restful sleep then I...
by Ninegrams
Fri Feb 03, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 9048

Re: It appears Fiduciary changes may not happen after all.

Meh. Yes, it would be nice but why does it affect Bogleheads? If you are smart enough to be on this board and have read the WIKI, books, threads, you are unlikely to be fooled. OK, maybe not. I read with mild shock the recent thread about Robo advisors and people asking serious questions if these c...
by Ninegrams
Tue Jan 17, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 4505

Re: Heavy duty cordless drill/hammerdrill recommendation

Another vote for Milwaukee. You'll see them go on sale periodically, got an "insane" deal on an M18 hammer drill + Impact driver + two LI batteries & charger for $190 at the orange big box store.
by Ninegrams
Tue Jan 17, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 7755

Re: Treasury Direct Account Locked

nisiprius wrote:~...in my personal opinion, overzealous and unforgiving about security. ~
Given the fact that TD stated policy is to leave you out in the cold in cases of fraud, hacking or whatever, personally I want them to be 'mad dogs' when it comes to security.
by Ninegrams
Tue Dec 06, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 250
Views: 44849

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Is it really a hassle, though? I didn't even have to put pants on or leave the comfort of my own bedroom in order to open the account. So true. Now if you want an example of true "hassle", think of me having to put on my pants to make the annual pilgrimage to the local mega-bank to re-open my savin...
by Ninegrams
Tue Dec 06, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Physical security solution for basement door?
Replies: 19
Views: 4515

Re: Physical security solution for basement door?

mhc wrote:What about a couple of 2x4 brackets and a board. Easy to install and low cost.

https://www.amazon.com/National-N235291 ... B000BO9NFI
This is what I did for my door, no more worries.
by Ninegrams
Tue Nov 29, 2016 2:20 pm
Forum: Personal Investments
Topic: Is a CD rate of 3.01% for 84mo a good deal?
Replies: 26
Views: 4405

Re: Is a CD rate of 3.01% for 84mo a good deal?

The EWP does not seem that generous. I was told that if the money is withdrawn early there would be a penalty of 6 months interest. Since the CD would be for $175,000, this represents a penalty of $2625. I have never owned a CD before so perhaps I'm misunderstanding but that's what the rep told me....
by Ninegrams
Mon Nov 28, 2016 9:20 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 250
Views: 44849

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I called( and emailed) today and got my account setup, just need to ACH the money over. Confirmed with a couple of reps that the deadline has indeed been extended to 12/31 which is great as it saves me having to wire the money to beat the previous deadline.
by Ninegrams
Mon Nov 21, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: Televisions: Is there any reason not to update software?
Replies: 7
Views: 1374

Re: Televisions: Is there any reason not to update software?

With firmware updates, the question always is: Is there a good reason to update?
by Ninegrams
Fri Nov 11, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Two Plumbing Tools
Replies: 13
Views: 2402

Re: Two Plumbing Tools

by Ninegrams
Sat Oct 29, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Looking for a simple wristwatch/pedometer
Replies: 19
Views: 3060

Re: Looking for a simple wristwatch/pedometer

I looked at that thread and found it interesting. But the conclusion that wearable technology doesn't correlate with healthier lifestyle is almost laughable. They spent a lot of money conducting a study to determine that failure to appropriately use a device is the fault of the device, not the faul...
by Ninegrams
Fri Oct 28, 2016 2:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 51373

Re: Larry Swedroe's latest market returns forecast

This may be an imperfect analogy, but most professional gamblers do quite well winning in the mid 50% of their bets. If something can explain roughly 40% of return I wouldn't call it meaningless, and I doubt a professional of any stripe would either. I do believe that it might take a professional to...
by Ninegrams
Thu Oct 27, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 112
Views: 19925

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

Charitable contributions and their tax deductibility is one of the biggest things that need to be fixed in current tax law. Income is income, if people want to spend money on charitable causes that is great, but taking that away from tax revenue is a stupid policy. Props to everyone who donates to ...
by Ninegrams
Wed Oct 26, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 7802

Re: Chocolate Recommendations

Another vote here for Trader Joe's. Besides the pound plus dark chocolate bars, the dark chocolate almonds are also excellent. I used to buy the 72% bars until I tried the chocolate&almond ones which are just incredibly tasty IMO(plus almonds are just so healthy for you), and as a bonus they aren't...
by Ninegrams
Tue Oct 25, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 244
Views: 37726

Re: Need help. Drowning in debt and worried about the future and retirement

Good luck with your wife's job prospects. That is the single most important issue you and your wife should focus on at this point. Once she has a job, hopefully you can focus on changing her mindset, because it seems like she just doesn't get it... There's also the very real possibility that once s...
by Ninegrams
Tue Oct 25, 2016 3:17 pm
Forum: Investing - Theory, News & General
Topic: A better measure of retirement security
Replies: 13
Views: 5020

Re: A better measure of retirement security

Ironically, those relying on only SS (about half of all retirees), which is adjusted for inflation, may not have to adjust as much.
Provided the inflation adjustment is rejiggerd to chained CPI or some such retiree-unfriendly metric , a whole nother story.
by Ninegrams
Mon Oct 24, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 244
Views: 37726

Re: Need help. Drowning in debt and worried about the future and retirement

First thing I'd recommend is trying to relax. You have the income to get out of debt but it'll take some time. Do everything you can to pay off the debt as soon as possible but keep in mind that it's going to take a little while. If you panic or get too anxious, that doesn't help anything. In fact,...
by Ninegrams
Mon Oct 24, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 5336

Re: Replacement Windshield Wiper Blades

Buy the cheapest and replace annually. Consumer Reports gave up reviewing them which tells you something. That's old school thinking. The better new blades will last for years. I stay away from ANCO. They are the ones you seem to need to change every year. "When new, we saw that all of the tested w...
by Ninegrams
Mon Oct 24, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 21724

Re: NY Times first in a series about 403(b)s with public K-12

My wife's fortunate in that her district's 403(b) uses Vanguard. Reading this article was a real eye-opener. The real losers on this are those who work in states where they aren't eligible for Social Security and yet have to depend on these plans for possibly the bulk of their retirement. The NEA sh...
by Ninegrams
Fri Oct 21, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 5336

Re: Replacement Windshield Wiper Blades

Buy the cheapest and replace annually. Consumer Reports gave up reviewing them which tells you something. That's old school thinking. The better new blades will last for years. I stay away from ANCO. They are the ones you seem to need to change every year. "When new, we saw that all of the tested w...
by Ninegrams
Fri Oct 21, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 5336

Re: Replacement Windshield Wiper Blades

Buy the cheapest and replace annually. Consumer Reports gave up reviewing them which tells you something.
by Ninegrams
Tue Oct 18, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lost all financial data
Replies: 11
Views: 2372

Re: Lost all financial data

Lost all your Quicken data? Consider yourself lucky and don't try to recreate it. I've kept all of my spending data in MYM (Managing Your Money, orphaned personal finance s/w) since the early '90s. Does the monthly manual entering of transactions and reconciling of bank/CC statements really do anyt...
by Ninegrams
Thu Oct 13, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: Risk Tolerance: Dealing With It
Replies: 46
Views: 5151

Re: Risk Tolerance: Dealing With It

Random Walker wrote:It is possible that if an advisor saves an investor from making just one behavioral error, that alone could be worth years of AUM fees.

Dave

You mean an advisor like one of these guys? Good luck.
http://www.marketwatch.com/story/93-of- ... 2013-05-09
by Ninegrams
Wed Oct 12, 2016 11:53 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 4959

Re: Kitchen Remodel question

If counterspace is tight and floorspace is not, a microwave cart (fixed or mobile) is always an option.
by Ninegrams
Tue Oct 11, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 4416

Re: Books to help prepare us for the inevitable aging process

Stop what exactly? Cure the DISEASE that you and I have that has a 100% mortality rate. It is absurd and criminal that there's funding out the wazoo for lesser diseases and not the one that's crippling and killing ALL of us. Well if we can't cure the lesser diseases what makes you think the DISEASE...
by Ninegrams
Tue Oct 11, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 4416

Re: Books to help prepare us for the inevitable aging process

Stop what exactly? Cure the DISEASE that you and I have that has a 100% mortality rate. It is absurd and criminal that there's funding out the wazoo for lesser diseases and not the one that's crippling and killing ALL of us. Well if we can't cure the lesser diseases what makes you think the DISEASE...
by Ninegrams
Tue Oct 11, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 5258

Re: packaged food expired best buy dates

I think most "best by" dates are more about getting you to buy more rather than protecting your health. If the food doesn't smell or taste bad it is most likely fine. [I am not a medical professional so caveat emptor.] I do pay attention to dates for open items in the fridge and I worry about spice...
by Ninegrams
Tue Oct 11, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 4416

Re: Books to help prepare us for the inevitable aging process

Books or no books, it'll just happen anyway. This. I've realized that the problem with age and death is not that we're afraid of it, but that it's going to happen. You'll wither away and then be gone, forever. There's no upside to that, no matter how "well ordered" your mind is, Dumbledore. We've g...
by Ninegrams
Tue Oct 11, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 4416

Re: Books to help prepare us for the inevitable aging process

Best book to read to defy aging is any Audible book listened to while walking 3-4 miles per day or more....and eating right, drinking tons of water, occasional red wine and dark chocolate! Agree with all the above, except for the headphones while walking part. Keeping all senses alert while walking...
by Ninegrams
Tue Oct 11, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: How to save on a tow truck
Replies: 5
Views: 1273

Re: How to save on a tow truck

Depending on the nature of the work, it might be cheaper to get a service call from a reputable mobile mechanic.
by Ninegrams
Tue Oct 11, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Percent back from landscaping investment
Replies: 19
Views: 3403

Re: Percent back from landscaping investment

We hired a landscape architect and are planning to implement some of the recommendations. It would add curb appeal, make our outdoor space more functional and make things much nicer. Of course it comes at a pretty big cost so I'm wondering in general, how much would one expect to get back with well...
by Ninegrams
Tue Oct 11, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: packaged food expired best buy dates
Replies: 57
Views: 5258

Re: packaged food expired best buy dates

jjface wrote:
Toss food if it has insects in it


Really?

And let all that good protein go to waste!? Perish the thought!
by Ninegrams
Tue Oct 11, 2016 12:44 am
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 9623

Re: Retirees: What are your passions?

Some common ones including:cycling,hiking(hill climbing),nature walks, gardening,workouts,reading. I've also become passionate about managing my own time: to luxuriate in idleness, to manage/implement a project, to troubleshoot and fix a problem, to re-arrange the house(I like the fresh look), to co...
by Ninegrams
Mon Oct 10, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

OP, what is the issue with the temperature in your basement? I live in a relatively moderate climate, and during the winter, the HVAC leaks enough that it warms the basement quite a bit. Light use of space heaters will keep the basement rooms warm. The basement never gets hot in the summer. Basemen...
by Ninegrams
Fri Oct 07, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

... You could actually take a thermometer and measure output temp at the discharge as I suggested previously or go on debating about who's understanding is correct, or just contact Mitsubishi and explain your situation. ... Temperature is not enough. You also need the air volume rate being delivere...
by Ninegrams
Fri Oct 07, 2016 11:36 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

According to the spec sheet of my five year old Mitsu unit it's able to put out 92% of rated capacity @ 5F, 75% @ -4F and 58% @ -13F. You may be right about the sizing and perhaps he's referring to general room temperature and not the actual heat produced by the unit. Proper heat output can be roug...
by Ninegrams
Wed Oct 05, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

According to the spec sheet of my five year old Mitsu unit it's able to put out 92% of rated capacity @ 5F, 75% @ -4F and 58% @ -13F. You may be right about the sizing and perhaps he's referring to general room temperature and not the actual heat produced by the unit. Proper heat output can be roug...
by Ninegrams
Wed Oct 05, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

I have the Mitsubishi mini-split system in our new addition. I cannot believe how cool in makes the new 12X20 room. In just 5 minutes if I turn on the AC it works great. This unit is not noisy at all, very quiet. It does blow air like a breeze so don't put it in direct flow of where you are sitting...
by Ninegrams
Wed Oct 05, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

I have a Mitsubishi mini split ductless in my garage that I've repurposed as a shop. It has one significant limitation, that is once the outside temperature gets below 40 or so it is ineffective as a heater. However it is great for keeping the garage shop comfortable in summer. They offer units wit...
by Ninegrams
Tue Oct 04, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi ductless heating/cooling unit
Replies: 74
Views: 13518

Re: Mitsubishi ductless heating/cooling unit

I have a Mitsubishi mini split ductless in my garage that I've repurposed as a shop. It has one significant limitation, that is once the outside temperature gets below 40 or so it is ineffective as a heater. However it is great for keeping the garage shop comfortable in summer. They offer units wit...
by Ninegrams
Sat Oct 01, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 5845

Re: Nonstick pots and pans, what is the consensus?

The health issues with non-stick may(or may not) be overblown, in any event we converted to cast iron(Lodge) and are very happy with the decision. You do need to keep them seasoned but it's not as hard to do as some claim.
by Ninegrams
Thu Sep 29, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Boglehead path" derailed
Replies: 35
Views: 9704

Re: "Boglehead path" derailed

OP, Not knowing your medical situation in any detail, I can only offer this which you may not already be aware of. Some non-profit provider hospitals do have income-based(assets are not necessarily a disqualifier in some cases) programs where cost of care is reduced or maybe even written off entirel...
by Ninegrams
Mon Sep 26, 2016 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 36
Views: 5195

Re: latest scandal has me thinking of leaving Wells Fargo

If people don't leave en-masse institutions that pull this kind of garbage, then the financial industry will never come clean. It's certain that the slap on the wrist fines aren't going to change behavior. If I had an account(s) there I'd walk, any inconvenience be damned.
by Ninegrams
Mon Sep 26, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 104
Views: 39026

Re: Timing Belt Change - Months or Miles if car is old?

When shopping for a vehicle, I just say "no" to anything with a timing belt, why reward car makers that use garbage design that only improves their profits at the expense of the buyer. Fortunately, at least some car makers who used them have finally gotten wise and are going to chains.
by Ninegrams
Mon Sep 26, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 24708

Re: Replace car battery after X years or wait till it dies?

I've had batteries go eight years no problem, replacing working parts just goes against my grain. If you only use the car locally, if your climate is on the mild side, if you can tolerate the possiblity of being temporarily stranded at any time(this could happen for reasons other than a battery).......
by Ninegrams
Thu Sep 15, 2016 12:57 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 8726

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

This reminds me of a saying which goes something like this, "It's far better to have a little money vs no money, than to have a lot of money vs a little money". Being debt-free with money in the bank is a very good feeling, it's a pity more don't try it.
by Ninegrams
Thu Sep 15, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!
Replies: 14
Views: 1751

Re: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!

If you can afford( to self insure) I would consider dropping the collision at least. When you consider what the insurance company will pay you (after deductable met) and the rate increase that will almost certainly be following the claim come renewal time, it doesn't seem like a great bet to keep co...
by Ninegrams
Fri Sep 09, 2016 11:19 pm
Forum: Investing - Theory, News & General
Topic: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)
Replies: 25
Views: 5976

Re: Why Your Portfolio Needs Plenty of Stocks, Whatever Your Age (NY Times)

and if you have won the game why keep playing? Because you can't win the game until you die with enough money to have met your needs and the needs beyond your death. Those are both unknowns. The rules of the game change (volatility matters a lot more when your taking money out) and you need to adap...