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Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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)...

Cosmo

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...

Cosmo

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.

Cosmo

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.

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

Cosmo

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...

Cosmo

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.

Cosmo

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

Cosmo

Cosmo

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 ...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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

Cosmo

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...

Cosmo

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 ...

Cosmo

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 ...

Cosmo

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...

Cosmo

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 ...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

Sprint and Verizon are both offering a two for one deal if you decide to upgrade. That sounds like a price break to me.

Cosmo

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

Cosmo

Cosmo

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!

Cosmo

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.

Cosmo

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...

Cosmo

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

Cosmo

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

Cosmo

Cosmo

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

Cosmo

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

Cosmo

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...

Cosmo

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...

Cosmo

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 ...

Cosmo

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...

Cosmo

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 ...

Cosmo

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...

Cosmo

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

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

In before the lock!

Cosmo

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 ...

Cosmo

Was listening to local news radio today on the drive in. An interesting cautionary tale about home buying during hurricane season. One individual just bought a house right before Harvey hit and his previous home was still under contract. Both homes were lost were lost in the storm and neither had f...

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