Search found 1174 matches

by Cosmo
Thu Jul 05, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9401

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: 319
Views: 26588

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: 6160

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: 2844

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: 6160

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: 6160

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: 6160

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: 6160

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: 4883

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: 9005

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: 2026

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: 21143

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 freefall
Replies: 6752
Views: 1468205

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: 460

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: 11599

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: 8060

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: 40
Views: 7015

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: 563

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: 563

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: 1821

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: 40
Views: 7015

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: 37
Views: 3670

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: 2872

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: 2456

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: 2872

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: 2693

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: 2693

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: 10915

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: 1068

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 freefall
Replies: 6752
Views: 1468205

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: 17203

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: 10277

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: 3226

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: 3226

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: 3226

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: 3226

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
by Cosmo
Sat Dec 30, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 7663

Re: Wifi Router Advice

Cunobelinus wrote:
Fri Dec 29, 2017 11:29 pm
Still running dd-wrt on a Linksys WRT-54G. Haven't had any issues since setting it up 8-10 years ago..? I'm surprised routers sell for $100+.

I would upgrade immediately as I am guessing it is no longer supported. I would be very concerned about security vulnerabilities.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3226

Vanguard 529 Plans Showing Zero Balance

Came across something very alarming this morning. Both of my kid's 529 plan show a zero balance on the Account Overview page! When I drill into the account to see transaction details, poof nothing there. No evidence of any account being there. The only evidence of the accounts even existing are from...
by Cosmo
Sat Dec 23, 2017 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4774

Re: Happy Holidays Bogleheads. How others here helped you?

I would like to pile on here and thank all the participants who make a contribution to this group. By far, this is the smartest group of guys and gals that I know. Thank you all for your informative posts and for constantly challenging me in looking at things differently and not just accept the stat...
by Cosmo
Thu Dec 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1430

Re: iPhone 4 troubleshooting

This happened with an iPhone 4s that I had years ago. I took it into Apple within the 1 year warranty period and all they could do was replace it with a new phone. These things aren't built to last very long, so you should probably get a new phone. Are you kidding me? The iPhone 4 came out in June ...
by Cosmo
Sun Dec 17, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 90
Views: 16047

Re: Why is Vanguard switching all accounts to brokerage accounts?

We fought hard and won - Vanguard agreed to keep our joint accounts as legacy - not brokerage - accounts since we have been with Vanguard over 30 years and have millions with them. We do not like the way Vanguard handles brokerage accounts. We had one brokerage account and every quarter the account...
by Cosmo
Sun Dec 03, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3837

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing. Cosmo I always set travel notifications except with ...
by Cosmo
Sun Dec 03, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 30999

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Sun Dec 03, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3837

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing.

Cosmo
by Cosmo
Sat Dec 02, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 30999

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Wed Nov 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Tutoring Income
Replies: 16
Views: 3008

Re: Declaring Tutoring Income

My wife started providing some tutoring services earlier this year and it unexpectedly grew into more business than she (we) thought. ... Thanks, Cosmo Cosmo, my spouse is considering offering tutoring service in our neighborhood. Could you and others please share how to start and grow a tutoring s...
by Cosmo
Sun Oct 22, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 3258

Re: how often to upgrade phone?

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Is this even supported by Apple? If you are using it solely as a dumb phone, that would be fine. Otherwise, you would not want to use as there will likely be a l...
by Cosmo
Sun Oct 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 3258

Re: how often to upgrade phone?

I found this statement from the article quite dubious (You could sell after four, but by then your phone will have degraded in performance and battery life quite a bit, so most people will probably upgrade before then.) My last phone was running fine after 5 years, and the only reason I upgraded wa...
by Cosmo
Sun Oct 15, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 6815

Re: Amazon Prime - Decline in Delivery Service?

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently. ^This. If anything, the deliveries ...