Search found 1188 matches

by Cosmo
Sat Jan 12, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: What is an appropriate retirement gift?
Replies: 23
Views: 1334

Re: What is an appropriate retirement gift?

jebmke wrote:
Fri Jan 11, 2019 11:35 am
This is one of the best retirement gifts I have received. I have given a couple as well.

https://dayclocks.com/

We have a winner. Love this idea.
by Cosmo
Fri Jan 11, 2019 10:52 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9467

Re: Did you ever "win" big?

My son was born in early 2009 -2 months premature and was in serious condition. As you can imagine, it was a tough time for parents. His grandparents gave us a nice chunk of money to start a 529 plan. With all of the stress and anxiety, I didn't get around to doing it right away but I finally opened...
by Cosmo
Fri Jan 11, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9587

Re: Disciplined with finances, but not so with diet

Wow, the moderators must be on vacation. I can't believe this hasn't been locked yet. In all seriousness, if you are relatively healthy and have good genes, eating a well-balanced diet* is a great way to keep your healthcare costs down as you get older. Stay away from all sugars and processed foods!...
by Cosmo
Tue Jan 01, 2019 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8031

Re: My favorite Boglehead posters

:oops: I did not see any mention of a few of my favorite posters from days gone bye. Adrian Neu, imbroglio, and chaz. (I'd suspect both imbro & chaz still visit.) Thx Admin, & mods for all you do. Overlooking the oodles and oodles of investing & financial info and life's minutia & insights many, ma...
by Cosmo
Sun Dec 23, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9738

Re: When did the musicians on the titanic realize their fate?

There have been several threads about the current drop in the equity markets. Some wanting to predict the bottom, many discussing the possible bear market (we've been in one since Oct at least). Anyways, I look at the replies and many posters are still joking about this drop, many do not have the f...
by Cosmo
Sun Dec 23, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 2912

Re: DCA – change of tune, loss of nerve, and how to time?

Due to factors that are out of our ability to control the timing of, we will be receiving a good amount of money in the next few months. I have been blithely saying that I will lump sum invest this money, but now that the time is coming closer, my nerve isn’t holding up. The amount of money is appr...
by Cosmo
Tue Dec 18, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 16984

Re: Mr. Money Mustache, SWR, and equity allocation

I don't recall MMM suggesting you use a 5% withdrawal rate without regard to market conditions, but rather that you adapt spending if there is a downturn. It's more a variable withdrawal rate. Also, he notes that early retirees often find ways to earn money after retirement. He sure does here: http...
by Cosmo
Wed Nov 14, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Mesh versus Range extender
Replies: 27
Views: 2000

Re: Mesh versus Range extender

bob60014 wrote:
Wed Nov 14, 2018 6:39 pm
The cable modem/airport is in the basement, a terrible location. Can you run a network cable from there, there is outdoor grade cable if it needs to be run outside, to the wifi router on a higher floor? We did this a few years ago and solved our issues. It was easy and quick to do.
This.

Cosmo
by Cosmo
Fri Nov 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6238

Re: Point and shoot camera

I feel like the majority of the answers here were written in 2008 rather than 2018.
by Cosmo
Tue Nov 06, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1267

Re: Tips on alleviating caffeine withdrawal symptoms?

I drink 1-2 cups of coffee a day and enjoy it very much. Some days I skip coffee and can cruise along fine but there are other days when the caffeine withdrawal symptoms hit me so severely. Once the symptoms hit, drinking caffeine does not help me and I have no choice but suffering through them unt...
by Cosmo
Tue Nov 06, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Exceed Treasury Direct purchase limit? Answer inside!
Replies: 11
Views: 1245

Re: Exceed Treasury Direct purchase limit? Answer inside!

VA_Gent wrote:
Tue Nov 06, 2018 8:53 am
Cosmo wrote:
Tue Nov 06, 2018 8:36 am
What makes you think they won’t reverse it? It’s still early.
Because it purchased I bonds in the account for $4480 and $5620.
Yes, I get that but that wasn’t my question. Please report back if the status of these purchases should change over the coming days.
by Cosmo
Tue Nov 06, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: Exceed Treasury Direct purchase limit? Answer inside!
Replies: 11
Views: 1245

Re: Exceed Treasury Direct purchase limit? Answer inside!

What makes you think they won’t reverse it? It’s still early.
by Cosmo
Thu Aug 23, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10712

Re: I own 1,387 items!

Although this thread is in danger of getting locked, I find it very interesting as I never bothered thinking about my stuff in this way.
by Cosmo
Thu Jul 05, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13057

Re: What time do you get up in the morning?

As far as productively is concerned, it is not important how early you wake up, the amount of sleep/sleep quality is what matters. I would work on getting better quality sleep, which means no electronic devices <two hours before going to sleep.
by Cosmo
Sun May 13, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 46039

Re: Lucrative careers?

Machine Learning and Artificial Intelligence. Tacking onto this, anything that has to do with numbers or data. Particularly non-traditional / unstructured data like images, call center transcriptions, converting publicly available information like 10k's into high value business decisions. I think w...
by Cosmo
Thu May 10, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6783

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by Cosmo
Tue May 08, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3159

Re: Happy 89th birthday to Bogle

Where has the time gone? It seems like it was just yesterday when we were wishing Mr. Bogle a Happy 88th birthday! Now it is his 89th! Many best wishes for the founder of Vanguard and the man who brought index funds to the masses. And I remember his 80th birthday as if it happened just nine years a...
by Cosmo
Sat May 05, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6783

Re: Moving to The Woodlands,TX

Anyone give me a rough estimate on home insurance in the Woodlands? I would be looking at a 2000 sq feet home around 250k. Something like $1600/yr for regular home insurance and another $1000/yr for flood. Homeowners sounds right. If you are outside the 100 year flood plain, you will pay $450 per y...
by Cosmo
Sat May 05, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6783

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by Cosmo
Mon Apr 30, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6783

Re: Moving to The Woodlands,TX

Be sure to check the floodplain maps before buying a house or renting. Many homes were flooded last year in hurricane Harvey and they are predicting this hurricane season is going to be even more active than last yesr. Regardless of where you live, I would get flood insurance which is $450 annually...
by Cosmo
Mon Apr 30, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 6783

Re: Moving to The Woodlands,TX

I am considering applying for a job that is located in The Woodlands,TX. Could someone tell me the good,bad and the ugly of living in the area? Thank you. Good: Low cost of living (though recent growth has driven up Woodlands prices a decent bit) Good schools Lots of trees (as the name might imply)...
by Cosmo
Sun Apr 22, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 59
Views: 5594

Re: Is this solar panel bid reasonable?

I have decided (I think) to purchase solar panels for a home in Colorado (great sun exposure). Want to take advantage of federal investment tax credit before it expires (30% through 2019, then starts decreasing). I received two bids: (a) LG 350 W panels, total 7.7kW system. It would produce 8162 kW...
by Cosmo
Tue Apr 10, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 9829

Re: Why not annuitize most of portfolio?

samsoes wrote:
Tue Apr 10, 2018 6:42 am
dknightd wrote:
Mon Apr 09, 2018 8:23 pm
Cyclesafe wrote:
Mon Apr 09, 2018 8:07 pm
subject to the 3.8% NIIT as MAGI exceeds $250k for MFJ.
I have to admit I don't understand what you just said.
Non-intuitive acronyms are ubiquitous on this forum.
I will take it a step further and say non-intuitive acronyms are ubiquitous in my entire life.
by Cosmo
Mon Apr 09, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: And yet another example why Vanguard is a 4th tier firm in regard to customer service…
Replies: 20
Views: 2183

Re: And yet another example why Vanguard if a 4th tier firm in regard to customer service…

jebmke wrote:
Mon Apr 09, 2018 4:16 pm
Toons wrote:
Mon Apr 09, 2018 4:07 pm
Not as of yet.
Then again,
I haven't changed my password in
9 years.
:mrgreen:
If your password is sufficiently complex there really is no reason to change it unless you think someone has compromised it. I haven't changed mine in years either.
+1
by Cosmo
Fri Apr 06, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 80
Views: 23283

Re: Treasury Direct is a waste of time

I don't like Treasury Direct. It seems clunky. It's a complicated multi-step process to buy bonds and give my wife transact authority to them; it has to be done individually for each purchase, and you can't assign transact rights at the time of purchase--you can't do it until you actually have bond...
by Cosmo
Tue Mar 27, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781664

Re: U.S. stocks in freefall

gwe67 wrote:
Mon Mar 26, 2018 9:28 pm
Isn't it time for the moderators to close this topic?
Yes but we are in a minority here though.
by Cosmo
Sun Mar 25, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deciphering my 401k Annual Report
Replies: 5
Views: 513

Re: Deciphering my 401k Annual Report

Is this a profit sharing plan or a 401(k)? I'm confused here.

Cosmo
by Cosmo
Sun Mar 18, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Could all of these "low expected returns over next 10 years" predictions be wrong?
Replies: 120
Views: 12642

Re: Could all of these "low expected returns over next 10 years" predictions be wrong?

What is it they say..... Past Performance Is Not Indicative Of Future Results. Performance is a random variable....it has a historical average that some folks are trying to predict. Furthermore it is based on underlying assumptions that it is driven by other historical key variables and associated ...
by Cosmo
Fri Mar 16, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 8323

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I have begun to hone in on a date where I say goodbye to working and begin to relax and enjoy free time and all that comes with it. And for me the most logical date would be in a little over 3 years when I turn 55, as a) I believe I will have sufficient assets to tide me over until I receive a (sma...
by Cosmo
Tue Mar 13, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9184

Re: Finally Cutting the Cord - YouTube TV

Cosmo I considered OTA but I then would need to buy an antenna which may be visible and it still would not be a complete solution. YTTV works well. The newer antennas are less than 3ft long and are compliant with most HOA's. If not, it still may work if you install in the back of the home. Beware o...
by Cosmo
Tue Mar 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@
Replies: 6
Views: 620

Re: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@

Mac newbie, sort of, here. My bookmarks on my MacBook (safari browser) were a mess. So I spent forever organizing them in folders. I have 2 other Macs, plus iPhone, iPad. 1 How can I sync or transfer this newly organized Bookmark setup to the others, not just the bookmarks but the way they are orga...
by Cosmo
Tue Mar 13, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@
Replies: 6
Views: 620

Re: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@

Mac newbie, sort of, here. My bookmarks on my MacBook (safari browser) were a mess. So I spent forever organizing them in folders. I have 2 other Macs, plus iPhone, iPad. 1 How can I sync or transfer this newly organized Bookmark setup to the others, not just the bookmarks but the way they are orga...
by Cosmo
Mon Mar 12, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 2031

Re: Blocking URLs/Sites on home network for kids

drekce wrote:
Mon Mar 12, 2018 9:43 am
I use a Circle device. It isn’t perfect, but I love it and it works across all devices (to include streaming boxes, game consoles, etc.).

I pay for the Circle Go service as well, so my kid’s phones can’t get around it as easily when not on the home WiFi.
+1

Hands down, Disney Circle.

Cosmo
by Cosmo
Sun Mar 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9184

Re: Finally Cutting the Cord - YouTube TV

Given the price of my FIOS triple play (TV, Internet, Phone) and the fact that I do not watch too much TV and use my mobile phone mostly, I’ve been looking to cut the cord for years. With the expiration of my latest FIOS deal I looked into it again but this time I did it because of the availability...
by Cosmo
Thu Mar 01, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4814

Re: Amica reocurring double digit increases in homeowners insurance

I am trying to get a handle on my homeowners policy (w/ Amica) which for the past 2-years has seen a recurring double digit increases in homeowners insurance premiums - an increase of 32% in 2-years. I sent the following correspondence to Amica to try to get some perspective, but am still having a ...
by Cosmo
Tue Feb 27, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 3402

Re: Mobile Deposit Bank Fraud

This is from David Merkel’s “Aleph Blog,” an especially astute market commentary. In the February 23 Blog David relates a bank fraud perpetrated on him using mobile deposits. This scenario is new to me. Unfortunately, the bank refused to accept liability for the loss. http://alephblog.com/ Yet one ...
by Cosmo
Tue Feb 27, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2817

Re: Deer Garden Damage Prevention

ikowik wrote:
Tue Feb 27, 2018 7:24 pm
likegarden wrote:
Tue Feb 27, 2018 7:23 pm
Years ago in the Garden Web Hosta Forum a lady posted that she makes a good pot of strong coffee, lets her husband drink it and at night sends him out to mark their territory.
Number 1 or Number 2?
And I'm guessing her husband is awake all night...
by Cosmo
Tue Feb 27, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 3402

Re: Mobile Deposit Bank Fraud

This is from David Merkel’s “Aleph Blog,” an especially astute market commentary. In the February 23 Blog David relates a bank fraud perpetrated on him using mobile deposits. This scenario is new to me. Unfortunately, the bank refused to accept liability for the loss. http://alephblog.com/ Yet one ...
by Cosmo
Mon Feb 19, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 3036

Re: Email from IRS this morning- is my information compromised?

It's spam. Delete it and move on with your life. The IRS mail any tax notice or corresponding to your mailing address. It is not a tax notice. It has to do with the online services account and is possibly legit. I disagree. As far as I know, the IRS will only notify you via snail mail to your offic...
by Cosmo
Mon Feb 19, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 3036

Re: Email from IRS this morning- is my information compromised?

Good morning! I just checked my email a few minutes ago, and there was an email from IRS.online.services@irs.gov stating that there have been three unsuccessful attempts to access my account with them, and my account has been frozen for 24 hours. I asked my husband if he was working on our taxes an...
by Cosmo
Sat Feb 17, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 11955

Re: My Over $300K Vanguard Balance Disappeared?

Your comment is off the mark. Do you have anything better to post in this thread? Do you have any problem if I check my account on a weekly basis or even every five minutes? Yes, if it causes you stress, you shouldn't do it. Again your comment is off the mark. That was not the topic of this discuss...
by Cosmo
Wed Feb 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 1185

Re: Buying Iphone X with AT&T

Sprint and Verizon are both offering a two for one deal if you decide to upgrade. That sounds like a price break to me.
by Cosmo
Wed Feb 07, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781664

Re: U.S. stocks in freefall

I wish a moderator would put this 7 year old thread out of its misery and lock it.

Cosmo
by Cosmo
Sun Feb 04, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 18096

Re: Blood in the water- buying?

harvestbook wrote:
Sat Feb 03, 2018 10:02 am
600 dow points ain't what it used to be

Not your father's 600 Dow points!
by Cosmo
Sat Dec 30, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 10817

Re: Plow Guy Raised Rates

livesoft wrote:
Fri Dec 29, 2017 11:13 am
How much do you tip the Plow Guy every year? At least a bottle of Jack Daniels, right?
Actually, you would tip in lobsters, of course.
by Cosmo
Sat Dec 30, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3477

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

It's getting even worse and more disturbing. Earlier today, my 529 balances for each of my two kids showed a zero balance. Now when I check, the two 529 plan account names are just gone! No mention of them. It's like they were never there in the first place. Boy, I hope we get some answers from Vang...
by Cosmo
Sat Dec 30, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3477

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Hey Vanguard! How about some advance notice on doing maintenance on our accounts? The timing is interesting as well. They waited until the weekend so they wouldn't have to handle the phone calls. FWIW, mine still show zero balance.

Cosmo
by Cosmo
Sat Dec 30, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3477

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

It's unfortunate because I am also unable to contribute to my kid's 529 plans.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3477

Re: Vanguard online 529 balance not showing

Good morning. I also posted about this issue as well. If you scroll further down, there was already a thread started on this. Apparently it is a widespread problem. Here is the post:

viewtopic.php?f=1&t=236154&newpost=3690 ... ead#unread

Cosmo