Search found 479 matches

by legio XX
Sat Jan 12, 2019 10:07 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 125
Views: 6828

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Nicolas Perrault wrote:
Sat Jan 12, 2019 6:29 pm
I'm not American by the way.
Hockey player? Actor? Explorer?
Am enjoying this exchange. <Nisi, you are a mentor.>
What have I actually done? Thought about EM, endless optimism of the 60s, but never invested in it. Good to rethink every once in a while.
by legio XX
Sat Jan 12, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 600

Re: Leave negative eBay feedback for item not received?

. . . A simple, "Item never shipped, seller did not respond" would suffice with the negative. I've been selling a bit on eBay since y2k+1. Even when sellers could leave negative feedback for buyers I found a cool, factual - and brief - statement did no harm. BTW, with non-shipment or shipment of so...
by legio XX
Fri Jan 11, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9588

Re: Disciplined with finances, but not so with diet

Carful with the ibuprofen. Apparently there is some lifetime max consumption of a few pounds, beyond which it causes kidney failure. NSAIDs do have their side effects, and age, dose and duration are all things to be concerned about. NSAIDs also relieve pain. I've been taking NSAIDs, OTC and prescri...
by legio XX
Fri Jan 11, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9588

Re: Disciplined with finances, but not so with diet

OP wants to lose about 15 pounds, about what I lost following this book's plan: Lawrence J. Cheskin, MD., Losing Weight for Good: Developing Your Personal Plan of Action . It's been 16 years now, and the weight is still off. Basic, straightforward, portion control diet. Pretty cheap book, too. This ...
by legio XX
Mon Dec 17, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3031

Re: Airbnb as side gig

The big concern on STR is that it reduces the number of available rental property and therefore drives costs up for local tenants. Also, the issues surrounding parties and illegal behavior going on. Right. This is the issue that could kill Airb&b in New York. They are providing cover for landlords ...
by legio XX
Sun Dec 16, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3031

Re: Airbnb as side gig

I occasionally let out a room in my apartment - in compliance with all NYC regulations for rent-regulated apartments - and I also have renter's insurance for personal liability, fire, etc. My insurance policy does not cover people living in the apartment, meaning anyone paying rent. Regulations vary...
by legio XX
Sun Dec 16, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5180

Re: How much do you pay for internet only?

$14.99 through TWC now Spectrum. I think the speed is DSL. Same deal. Don't know what the max DSL speed is, but according to Xfinity I am downloading at 3.7 Mbps and uploading at about 1/3 of that. When I was paying Verizon about three times much for DSL it was only 1 mbps. At this modest speed I w...
by legio XX
Sun Dec 16, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14485

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

If you are responsible and are continuously covered by health insurance, as you should be, what is the concern about preexisting conditions? Can someone please explain? Thanks! You are 4 months pregnant or have high blood pressure and have good employer provided health insurance. You are laid off f...
by legio XX
Fri Dec 14, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 22
Views: 3051

Re: 0% Long Term Capital Gain rate?

OK, this thread inspired me to do my quick-and-dirty estimate for 2018. I do need to do some rebalancing. Adding - Earned income - social security - LT capital gains (on transaction already completed) - RMDs - Ordinary Divs (estimated based on last year) puts me over the 12% line ($38,700) for gross...
by legio XX
Wed Dec 12, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1638

Re: MLP's

a (six-fingered) maniple of MLPs:

match list position
midluteal phase
multiple lymphomatous polyposis
multilayer perception
my little pony
master limited partnership
by legio XX
Wed Dec 12, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2451

Re: Trip to Italy

Just came back from my third trip to Italy this year and may be off again in a couple of weeks - depending on when they finally get the date set and if I can find a cheap enough flight. Would really hate to try that for five people so you might consider splurging on the flights. How often will she t...
by legio XX
Mon Dec 10, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1100891

Re: What Movie Have You Recently Watched?

Mortal Engines - if you like action movies w/heavy FX, it is more engaging than I expected. Enough "references" to other films to get a student gigged for plagiarism, but in the big leagues this is probably homage. Recommended if this is your genre.
by legio XX
Fri Dec 07, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

Re: finding the error in my federal tax return

Whew! Got another form letter from the IRS. Short version: amount due $0.00. Nice to know I can still add.
Total cost: about an hour of phone/wait time plus two certified/return receipt mailings.
No idea what caused the problem . . . they didn't tell me that part.
Thanks for the links.
by legio XX
Sun Dec 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rent v. buy in NYC
Replies: 34
Views: 3627

Re: Rent v. buy in NYC

Also anecdotally, I know many people in NY and those without significant savings are the ones still renting. The smart ones with money bought. Maybe follow the smart money? OK,will admit to being without significant savings by Boglehead standards. Similarly, can testify from personal knowledge that...
by legio XX
Sun Dec 02, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3115

Re: Has anyone on this board painted over wallpaper?

If you’re French, this is totally normal. The average apartment has at least 5 layers of wallpaper and paint on it. Getting ready for a new tenant and traces of mold on the walls? Wallpaper over it! Paper looking dated or covered in tobacco residue? Nothing a fresh coat of paint won’t fix. :D Also ...
by legio XX
Sat Dec 01, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 73
Views: 6625

Re: First Crypto ETF Index Fund launched!!! $HODL

White Coat Investor wrote:
Thu Nov 29, 2018 11:31 am
The whole thing is just a big joke, even the name of the ETF. I feel badly for anyone putting serious money into the entire asset class.
Lord of the silent, the hidden one, the invisible god, who comes at the voice of the poor . . . hmmm. Better think about that one.
by legio XX
Sat Dec 01, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 2026

Re: United HealthCare

I've had them as Medigap for 6 years. Generally OK, but you have to watch them as they will use every undotted i and uncrossed t as an excuse not to pay up. When I first started with them, the claims were rejected one after the other. They said Medicare was refusing the claims (sorry, I can't rememb...
by legio XX
Sat Nov 24, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 13987

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

https://blog.intercom.com/the-orange-juice-test/ OP, I use "The Orange Juice Test" for the expert in any field. This works even in an area that I am not familiar in. KlangFool I get the test. I am a little in the dark about how that applies to finding and choosing a good physician. As an aside, I a...
by legio XX
Sat Nov 24, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 5727

Re: Driving a car [in] Italy, any suggestion?

Follow-up here. Back in Italy, now aged 75. I got my car with no hassle. It's a small SUV (Dacia Duster, apparently a Renault line) which is bigger than what I am used to (free "upgrade") and uses diesel which is also new to me as are the six gears where I am used to five. Never too old to learn . ....
by legio XX
Sat Nov 24, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 177
Views: 23969

Re: IRS publishes draft 2018 1040 - Huge changes made

I made the decision to have a CPA do my taxes this year after doing my taxes the old fashioned way (pencil to paper) for over 60 years. The problem with this is that they charge by the form, and it's one price fits all. Even a rather simple return can easily cost 1% of gross income for those in the...
by legio XX
Tue Nov 13, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Dual SIM smart phone
Replies: 5
Views: 637

Re: Dual SIM smart phone

Thanks, Kramer. This helped me find the right questions to ask. You were right about the nano SIMs. The sales guy suggested that I was looking at the specs for an older version of the same model phone. Bought a Nokia 6.1 at B&H Photo in New York for $200 and they even clipped my euro mini SIM down t...
by legio XX
Tue Nov 13, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

I’d get the most recent cheap Canon point and shoot that has been hacked by the Canon Hack Development Kit: http://chdk.wikia.com/wiki/CHDK_for_Dummies The P&S Canons often have the same processors and other fancy hardware as the DSLRs and are hobbled by the firmware. CHDK lets you overwrite the fi...
by legio XX
Mon Nov 12, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Dual SIM smart phone
Replies: 5
Views: 637

Dual SIM smart phone

I could use a dual SIM phone so that I don't have to keep two phones going to keep in touch with overseas colleagues. My current phone is a basic Samsumg J3. There's a dual SIM J7 listed on BestBuy. Not really looking for a higher end phone as my uses are basic, and price is always an issue. Can tho...
by legio XX
Sun Nov 11, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

You might find this article of interest in figuring out which features to key in on when picking your camera. Unless you plan to do serious enlargements, any of the point and shoots give you enough megapixels these days. But some of the other features may make a big difference. Any reason not to co...
by legio XX
Sun Nov 11, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: Looking for computer suggestions
Replies: 17
Views: 1423

Re: Looking for computer suggestions

I'm about two years into a Lenovo Yoga 700 and it's doing the job for me. When I was shopping for this one, others suggested the more powerful 900 models. Seldom use it in tablet mode but it's great to have when needed.
by legio XX
Sat Nov 10, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5009

Re: Doing taxes by hand

For folks doing paper. Do you print all forms and instructions at home? Or order them somehow? Last year I was gonna try by hand as well. our library didn’t have the forms. My experience matches what others have already posted. The library and post office no longer have the IRS forms in my neighbor...
by legio XX
Fri Nov 09, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

did you peruse all the sub sections? https://thewirecutter.com/reviews/best-point-and-shoot-under-500/ if you dont want to spend more than $500, then there really is no difference between your phone and a dedicated camera... The phone can take very nice photos, but I am used to the feel of a camera...
by legio XX
Fri Nov 09, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

PFInterest wrote:
Fri Nov 09, 2018 7:26 am
wait for black friday.
while you are waiting, read this: https://thewirecutter.com/reviews/best- ... ot-camera/
Ouch! Those are $700 buck cameras - too rich for me - that's what I pay for the flight!
by legio XX
Fri Nov 09, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

Ooops. Forgot to mention: I'm leaving for Italy in 10 days and picture-taking is important - so waiting for Black Friday is out - for the camera.
Wire-cutter, check, will do.
by legio XX
Fri Nov 09, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't un...
by legio XX
Fri Nov 09, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4058

Re: aerobic exercise: rower vs. treadmill and elliptical

I have bum knees so the treadmill is strictly a fast-walk warmup. A lot of people swear by ellipticals, but between the two I prefer the rower. My PT got me started on that and it's very easy to get your training rate even if it's a lot higher than mine.
by legio XX
Thu Nov 08, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 37
Views: 5002

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

I kind of left this up in the air and forgot about it. Magic Jack has just started sending me renewal emails and that reminded me. Here's why I gave up on them: I started with MJ in 2009 on the advice of a phone co rep who admitted to using it himself. Back then, the MJ only worked when the computer...
by legio XX
Wed Nov 07, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 755

Re: Moving TMobile account from flip phone to iPhone

I'm sorry maybe I was not specific enough. Mine is not really a plan, it is a pay as you go plan where if I purchase minutes, they are valid for the whole year then roll over. But I guess that is the same difference anyway. In which case, you are right, I should either go with one of the latest ava...
by legio XX
Mon Nov 05, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 4001

Re: Post FiRE job...teaching??

Personally i think id love to teach but not to mark loadsa papers ;) If you find that planet, let me know :wink: Seriously, assuming that PM means Project Management (Prime Minister, post meridiem, post-mortem, personal message :confused ) you can probably find course descriptions and syllabi onlin...
by legio XX
Mon Nov 05, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20659

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Thanks neilpilot and lady Geek - will definitely look into this.
by legio XX
Mon Nov 05, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8116

Re: Teaching kids there is ample amount of money

I guess my subject could be read the wrong way. I don't want my kids to think there is an ample amount of money from Mom and Dad, but there is an ample amount of money in the world for blessed people who have solid values. I think it would especially hit home on a family trip to a 3rd world country...
by legio XX
Mon Nov 05, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20659

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

H&R Block program allows to do the taxes for as many people you like (I believe, never tried more than about four) and free federal efile for (5) of those returns. OK, people keep mentioning "free efile." I'm used to paper and pencil, comfortable with paper and pencil, not a complicated return. I w...
by legio XX
Sat Oct 27, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28635

Re: How many of you have cut the cord?

BashDash wrote:
Fri Oct 26, 2018 9:39 am
Legio xx:
In Manhattan instead of an antenna check out locast.org.

It has an app on roku and is coming out with one for Apple TV.

All local channels without an antenna. Free too. Not available in all cities but it is in ny
Looked it up. Thanks. Will think again about getting a Roku.
by legio XX
Fri Oct 26, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28635

Re: How many of you have cut cord?

SlingTV is a month-to-month subscription. So yes, you do get channels you may not use but you can just subscribe for the month(s) you want to watch and then cancel and subscribe again later if you like. We find it to be very economical for in-market MLB baseball - six months on, six months off. I s...
by legio XX
Sun Oct 14, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14844

Re: Tips for staying active / injury-free into older age

I think it's a matter of finding something you really want to do and then keeping in shape to do it. The old "train in order to train" line. I haul my butt out to the park so I can get same to class that night, and earn some more bragging/complaining points. A good PT also helps . . . OK, preventing...
by legio XX
Sun Oct 14, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 10005

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I think getting a job as a substitute teacher is one of the best retirement jobs you could have (obviously my opinion). I had this job for about 8 months after I graduated college. And it paid $75 per day you subbed (that was in a small rural school district 20 some years ago). I remember thinking ...
by legio XX
Mon Sep 10, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

Re: finding the error in my federal tax return

Yep, that's the message. Thanks, will go back and try again. While I wait for the IRS to tell me all the paper I just sent them should have been submitted to my non-existent online acc't . . . .
by legio XX
Mon Sep 10, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 27
Views: 2947

Re: IRS: Great customer service?

I prepared to call the IRS. I blocked out a chunk of my afternoon. I expected to descend into phone tree purgatory with no satisfactory resolution of my problem. There was a phone tree. There was a 15 minute hold time. However, I was connected with a very helpful customer service agent who had acce...
by legio XX
Mon Sep 10, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

Re: finding the error in my federal tax return

If you don't mind spreadsheets, see either of https://sites.google.com/site/excel1040/ (Prettier formatting) . . . This looks good, but it won't let me actually enter any information, not even the basic stuff like line 7. I get messages that the cell is protected, etc. And I can't unprotect the fil...
by legio XX
Sun Sep 09, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

Re: finding the error in my federal tax return

If you don't mind spreadsheets, see either of https://sites.google.com/site/excel1040/ (Prettier formatting) . . . This looks good, but it won't let me actually enter any information, not even the basic stuff like line 7. I get messages that the cell is protected, etc. And I can't unprotect the fil...
by legio XX
Fri Aug 31, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2977

Re: Body language coach?

This is the most sound advice so far. Also the advice to be videotaped. Very revealing. Be yourself, do not copy anyone. Are you a product expert? If not become one. That will shine through above any personality traits. Body language can be learned, however. It’s a matter of not allowing inner thou...
by legio XX
Mon Aug 27, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

Re: finding the error in my federal tax return

Folks, Thanks. Just to let you know that I am following up on some of the suggestions. I had a lot more capital gains this year - consider it a kind of rebalancing - and expected a bit of a hit. But, I am pretty far down the income scale so it was more than I expected. The increased SS liability was...
by legio XX
Mon Aug 27, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 21
Views: 2394

finding the error in my federal tax return

I do my taxes by hand and until 2017 no problem - the one gaffe I can recall, they sent a larger refund. The feds want an extra couple of hundred for 2017, and they are probably right, but I want to find where I loused up, and they don't tell you that part. I don't file online, but I have no objecti...
by legio XX
Mon Aug 27, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1100891

Re: What Movie Have You Recently Watched?

New Spike Lee movie was very good. Made me really sad at the end though. Watched this with a mixed group of older folks who could remember the times involved and early-arriving students, mostly foreign, plus a few Spike Lee devotees, filmmaker majors. The various groups reacted at different points ...
by legio XX
Sun Jul 15, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9279

Re: Be Careful Using Mailboxes

The main point here is concern about mail being stolen from USPS drop boxes. It would arguably be wise to avoid as much as possible placing mail in a drop box after the last pickup for the day. USPS typically lists scheduled times for pickups on the boxes. Yeh, there are notices on the mailboxes (N...