Search found 23943 matches

by LadyGeek
Thu Nov 11, 2010 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Policy
Replies: 41
Views: 6681

1 Mega$ with State Farm.

The whole point of the umbrella is that covers what auto and homeowners do not.
by LadyGeek
Wed Nov 10, 2010 9:30 pm
Forum: Personal Consumer Issues
Topic: What is a good lightbulb for under cabinet lights in kitchen
Replies: 25
Views: 4235

There's not enough information here. Sounds like a task lighting application. Do you mean replacement light bulbs or is this a new fixture? Do you have a power source for the fixture / light bulbs? Low voltage DC or 120 VAC? What is the lighting in the rest of the kitchen like? I use LED arrays (120...
by LadyGeek
Wed Nov 10, 2010 5:38 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21832

All I'll say is that the support is with Windows. I'm dual-booting with the windows installer as mentioned previously. Easy? Absolutely. <rant> Does it work? Except for my touchpad (manufacturer: Synaptics). The laptop is unusable because the touchpad is so sensitive that your cursor jumps all over ...
by LadyGeek
Tue Nov 09, 2010 10:21 pm
Forum: Investing - Theory, News & General
Topic: Back to Basics: Six Questions to Consider Before Investing
Replies: 3
Views: 1256

Sorry, the link is asking for a login. However, here's the Morningstar article: Back to Basics: Six Questions to Consider Before Investing
by LadyGeek
Tue Nov 09, 2010 10:06 pm
Forum: Investing - Theory, News & General
Topic: Investing and the "Endowment Effect" : Swedroe
Replies: 50
Views: 5549

I see the point of the article, but don't agree that wine is a good analogy. When I find a $200 bottle of wine in my collection that I paid $10 for, I drink it. Why? Wine has a finite shelf life. If the value appreciated that much, it's ready to drink now - don't wait much longer. Wine is more like ...
by LadyGeek
Tue Nov 09, 2010 9:46 pm
Forum: Investing - Theory, News & General
Topic: Poll: How many trades did you have in October 2010?
Replies: 73
Views: 5915

I took a guess around 20. All of it is 401(k) contributions into multiple funds on a weekly basis, including spouse. I didn't count employer matching, nor the shares withdrawn by the fund manager for expenses (do I subtract?), as those are trades not under my direct control. I don't see any meaningf...
by LadyGeek
Tue Nov 09, 2010 8:01 pm
Forum: Personal Consumer Issues
Topic: Windows 7: Worth the upgrade from XP
Replies: 47
Views: 6218

I'm using Win 7 because it came pre-installed with my new HP laptop. My desktop runs Win XP, so I use both. (Along with Ubuntu dual-boot, but that's not for this thread.) Windows 7 is just fine, it just takes some getting used to. You'll find both good and bad things to say about it, but that's not ...
by LadyGeek
Mon Nov 08, 2010 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cute new little "gotcha" from Cap One credit card
Replies: 5
Views: 1369

I just setup my Cap One cash rewards to automatically credit my account whenever the rewards hit $25. Easy. They show up whenever, I'm happy.
by LadyGeek
Mon Nov 08, 2010 8:12 pm
Forum: Personal Consumer Issues
Topic: Expensive Repairs or Replace Car
Replies: 12
Views: 1843

I know this is quite a stretch, but because you are the original owner and had a previous problem with the 4WD, it may be worth a shot to contact Ford customer service and see if there was a "factory bulletin" about a known defect. Even though you are out of warranty, they may be willing to do some...
by LadyGeek
Sun Nov 07, 2010 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best tool for Asset Allocation analysis?
Replies: 29
Views: 10171

Wiki article link: Using a Spreadsheet to Maintain a Portfolio

The first two sample spreadsheets focus on asset allocation.
by LadyGeek
Sun Nov 07, 2010 9:09 pm
Forum: Investing - Theory, News & General
Topic: New Wiki article: "Three-fund portfolio"
Replies: 39
Views: 11172

Re: What is downside of three fund portfolio

Several, the most significant was authored by Eugene Fama and Ken French in 1992. It's the basis of their three factor model where small and value are unique risk factors. As you stated, the 1992 paper ( link ) concluded that small and value stock performance could not be predicted. It never stated...
by LadyGeek
Sun Nov 07, 2010 7:45 pm
Forum: Investing - Theory, News & General
Topic: New Wiki article: "Three-fund portfolio"
Replies: 39
Views: 11172

I own a targeted retirement fund because I don't want to manage the allocations myself. Why is this implied as a disadvantage? The domestic-to-international ratio change was perceived as welcome and long overdue. Some see advantages... *Independence from Vanguard's small course changes in the Target...
by LadyGeek
Sun Nov 07, 2010 7:20 pm
Forum: Personal Consumer Issues
Topic: LED/LCD televisions
Replies: 28
Views: 3339

A movie's aspect ratio, usually around 2.35:1 or 1.85:1, is very close to the HDTV's 16:9 aspect ratio. It's not significant when considering everything else.
by LadyGeek
Sun Nov 07, 2010 3:15 pm
Forum: Personal Consumer Issues
Topic: LED/LCD televisions
Replies: 28
Views: 3339

I have another random question on TVs that is probably a dumb question, but I'll ask anyway: If I don't plan on using a TV for another three months but I happen to find a really great price on one, would it hurt any to buy it and leave it sitting unopened in the box in storage for three months? I d...
by LadyGeek
Sun Nov 07, 2010 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Honda extended warranty?
Replies: 27
Views: 6222

Incredible timing. Yesterday, we just bought a used 2007 Nissan Murano SL AWD with 25,000 miles for $23,000 from a dealer. Beautiful condition, well taken care of (serviced at the same dealer). However, we did go for the extended warranty. Basically, we're getting a 7-year / 100,000 mile bumper-to-b...
by LadyGeek
Sun Nov 07, 2010 12:07 pm
Forum: Personal Consumer Issues
Topic: Please help me with Laptop purchase
Replies: 56
Views: 6916

Re: Please help me with Laptop purchase

Valuethinker wrote:Windows7 you want at least 2GB memory.
As stated, that's the minimum requirement. You really should use 4 GB, memory is cheap.
by LadyGeek
Sat Nov 06, 2010 9:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Join the Wiki!
Replies: 54
Views: 47545

Sure. First, let me explain that the Bogleheads' wiki is really Wikipedia in disguise. It runs the same software as Wikipedia ( MediaWiki ), but with a different look. (Wikipedia is experimenting with a new user interface ("skin") which will be incorporated into a future MediaWiki release.) The purp...
by LadyGeek
Fri Nov 05, 2010 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Premium/Discount on ETFs
Replies: 16
Views: 1979

Please see Exchange Traded Funds on the Bogleheads Wiki.

You'll find a lot of tutorial and reference info that might help answer some of your questions. Especially check near the bottom of the page under "External Links".
by LadyGeek
Fri Nov 05, 2010 5:04 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21832

Just for the record ... my 5 year old KVM works fine with Ubuntu Lucid Lynx. Admittedly, I'm a little tardy in moving to 10.10 8) Better get going, I just updated my desktop PC to Ubuntu Maverick Meerkat (10.10). No problems, didn't lose a bit. Dual boot with Win XP. For the easiest possible instal...
by LadyGeek
Thu Nov 04, 2010 8:03 pm
Forum: Personal Consumer Issues
Topic: Are Macs that much easier than Windows Machines?
Replies: 238
Views: 21832

One major consideration is what you need the laptop for . Check that the applications you need are available on whatever you buy. One very important point is that you can't tell anything by simply looking at the specs. You'd be surprised how different your impressions are when you handle the laptop ...
by LadyGeek
Thu Nov 04, 2010 4:03 pm
Forum: Wiki and Reference Library
Topic: Suggestions for the Librarians
Replies: 255
Views: 204943

Thanks. It looks like the domain was lost, as a link farm took over the site (domain for sale...). I did a quick google search and can't find anything equivalent. If you have an alternate suggestion, please post. I made a note that the link is broken. I'll give it a few days to see if it's gone for ...
by LadyGeek
Wed Nov 03, 2010 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: What do you think of these CD rates?
Replies: 22
Views: 7698

I use PenFed CDs, which is still offering 7-year CDs at 3.49%. Money Market Certificate Rates

Please see Pentagon Federal Credit Union on the Bogleheads Wiki.
by LadyGeek
Tue Nov 02, 2010 9:51 pm
Forum: Personal Consumer Issues
Topic: Correlation DOES equal Causation (humor)
Replies: 24
Views: 3510

Easy to hack the link for phpBB... http://www.nerdtests.com/images/badge/nt2/5c7c71ec9d886e41.png Cool, I've got the top title so far. They need to fix their code, as I said "female" for gender. Should be "Goddess". 8) They don't differentiate between nerds and geeks . Don't mess with geeks. :D
by LadyGeek
Tue Nov 02, 2010 9:32 pm
Forum: Personal Consumer Issues
Topic: How to learn to be a good manager at work?
Replies: 37
Views: 5582

It's been around awhile, but I think Dale Carnegie's "How to Win Friends and Influence People" is still very helpful. :D This was my thought also. That book helped me improve my management skills. I read all the way to the end to recommend this as well. Adding to the pile. I took the actual course ...
by LadyGeek
Mon Nov 01, 2010 7:18 pm
Forum: Personal Consumer Issues
Topic: Please help me with Laptop purchase
Replies: 56
Views: 6916

2. Most computers come loaded with lots of junk programs loaded on them. This great free software program that will remove the junk: pcdecrapifier(dot)com That's a very limited list and is only designed to remove popular programs. Alternately, ccleaner can be used to prevent any program from starti...
by LadyGeek
Sun Oct 31, 2010 2:25 pm
Forum: Forum Issues and Administration
Topic: Why this forum WILL BE successful
Replies: 207
Views: 101624

You're right; it's daily visitors. :oops: Then the comparison should be to the number of people visiting a country (enter and leave), as opposed to a resident population.

The comparisons to fill a sporting event are more meaningful.
by LadyGeek
Sun Oct 31, 2010 1:07 pm
Forum: Personal Consumer Issues
Topic: Please help me with Laptop purchase
Replies: 56
Views: 6916

For the OP, that's an interesting article about SSDs, but don't list SSDs as a requirement for a first laptop. You'll also need a fast processor (i7) to get any benefit from that type of performance. The price points haven't matched (conventional) hard drives. For example, I got a free upgrade from ...
by LadyGeek
Sun Oct 31, 2010 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Really Need Your Help on Home Purchase - Mortgage fraud?
Replies: 7
Views: 1637

Re: Really Need Your Help on Home Purchase - Mortgage fraud?

But really the main reason I was willing to go non-contingent is this: this sellers agreed to push the close date back for 2 months, then rent back from us for up to another 6 months after the closing while we tried to sell our house. I think this is referred to as a seller lease-back, which has be...
by LadyGeek
Sun Oct 31, 2010 12:38 pm
Forum: Personal Consumer Issues
Topic: Please help me with Laptop purchase
Replies: 56
Views: 6916

Are you going to use this as a "desktop replacement", or take it with you as a mobile PC? While you can do both with a laptop, the one you buy should fit your primary needs. If you are going for "desktop replacement", then you'll probably want a larger display (more than 14"). Those larger laptops h...
by LadyGeek
Sun Oct 31, 2010 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2011 - Any takers?
Replies: 63
Views: 14096

My CD-ROM copy of Quicken 2011 just arrived. This is the old Quicken, but with an improved user interface and somewhat faster transaction download times. First, disable the registration nag screen. While simultaneously holding down the <Ctrl> and <Shift> keys, use your mouse to click on Tools --> On...
by LadyGeek
Sun Oct 31, 2010 10:54 am
Forum: Forum Issues and Administration
Topic: Why this forum WILL BE successful
Replies: 207
Views: 101624

Caution, the numbers are inaccurate. 47,338 users are listed.
All estimates are based on Alexa data, which sometimes can be inaccurate.
I just entered the latest number of users (21387) and we're at #209, just above Cook Island.

Note that this is "beta" software (in development).
by LadyGeek
Sun Oct 31, 2010 10:37 am
Forum: Personal Consumer Issues
Topic: Help! Car won't start this morning!
Replies: 36
Views: 4711

I see a pattern here. You go to a battery store and they say it's the alternator. You go to an emissions store (Muffler shop) and they say it's the intake manifold (the counterpart to your exhaust pipe, it feeds the air into the engine. The exhaust pipes take it out). A new intake manifold?? First, ...
by LadyGeek
Sat Oct 30, 2010 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Clarifying What I Know About Small Cap and Value Tilting
Replies: 47
Views: 5506

Re: Smoothing

Hi LadyGeek, I don't really understand those Bogle charts in that link. When I mentioned smoothing I was referring to portfolios of multiple asset classes with as low correlations as reasonably possible to achieve in Boglehead fashion. When one class zigs from it's expected return another might zag...
by LadyGeek
Sat Oct 30, 2010 7:42 pm
Forum: Personal Consumer Issues
Topic: Slow wireless-Computer gurus please help
Replies: 4
Views: 1001

Also check for cordless phones or microwave ovens . In summary, keep the router at least 10 feet from cordless phones, microwaves, or other electronic devices to avoid potential interference. Sanity check: Since you're just moving the equipment, I assume that the wireless encryption hasn't been chan...
by LadyGeek
Sat Oct 30, 2010 4:34 pm
Forum: Personal Consumer Issues
Topic: Extended Warranties------A necessary evil?
Replies: 27
Views: 3257

No extended warranties. Most major credit cards will double the manufacturer's warranty. Google for your credit card and "buyer protection plan" or something similar. 1) I bought a cheap $400 hdtv ($400 was cheap at the time). I expected the odds of it breaking down were fairly high. My other option...
by LadyGeek
Sat Oct 30, 2010 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Clarifying What I Know About Small Cap and Value Tilting
Replies: 47
Views: 5506

Please see Value Tilting - Stock on the Bogleheads Wiki . Be sure to read the forum discussions and references at the bottom of the page. Also: What does "tilting" to small mean and how much should I tilt? For averaging and smoothing, are we talking about "Reversion to the Mean", as discussed in The...
by LadyGeek
Sat Oct 30, 2010 3:40 pm
Forum: Personal Consumer Issues
Topic: Help! Car won't start this morning!
Replies: 36
Views: 4711

Ok, I got it going and the only way the car stays running is if I give it some gas. I had to use gas and brake at the same time to get to Batteries Plus just down the road. If I let off the gas it kills. Batteries Plus guys say it's not the battery or the alternator after a few tests. Fuel pump or ...
by LadyGeek
Sat Oct 30, 2010 3:27 pm
Forum: Personal Consumer Issues
Topic: Obnoxioulsy loud radio next door!
Replies: 78
Views: 10942

It's 10.7 MHz, but any respecting ham radio operator will refuse to help, as that's not an authorized transmitting frequency and puts their license at risk. You'll also jam every other radio in the vicinity, and possibly public service radios (police, fire, and ambulance). The radios should be well ...
by LadyGeek
Fri Oct 29, 2010 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: emergcy fund questions and thoughts
Replies: 13
Views: 1526

What about paying extra on your mortgage? Any car loans or other debt that could be paid off? Reducing debt counts just as much as receiving interest.
by LadyGeek
Fri Oct 29, 2010 12:34 pm
Forum: Personal Consumer Issues
Topic: More HDTV questions
Replies: 31
Views: 3432

I have no problem with power, as my PC uses an 850 W power supply (my spouse's PC also draws 850 W and we usually have them both on simultaneously). It's just that you can feel the heat coming off the display when you walk by it. PC power supply rating has nothing to do with actual power consumptio...
by LadyGeek
Fri Oct 29, 2010 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mint Mines Your Data, Now You Can Too
Replies: 6
Views: 2049

Philadelphia is there. Philadelphia Gas Works is the 2nd most popular Bills & Utilities in Philadelphia. You can actually see the expenses correlate with the season (high in the winter, low in the summer). This is how to have fun with statistics. Try this: Bills & Utilities in Philadelphia , Monthly...
by LadyGeek
Fri Oct 29, 2010 11:45 am
Forum: Personal Consumer Issues
Topic: How about those Giants?
Replies: 60
Views: 7252

OK, so I'm rooting for the Rangers. Cliff Lee and all that... The best line of the night was from Tim McCarver: "We knew that pitching would help the Giants. It's just that no one thought it would come from the opposing team." I think he's one of the best analysts in baseball and have been following...
by LadyGeek
Thu Oct 28, 2010 9:04 pm
Forum: Personal Consumer Issues
Topic: More HDTV questions
Replies: 31
Views: 3432

I should have explained. This is a 63" plasma which draws 550 Watts. 130 pounds, mostly glass. I have no problem with power, as my PC uses an 850 W power supply (my spouse's PC also draws 850 W and we usually have them both on simultaneously). It's just that you can feel the heat coming off the disp...
by LadyGeek
Thu Oct 28, 2010 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Questions About Municipal Bonds
Replies: 5
Views: 1261

Not knowing the details, it sounds like you want guaranteed return on principal, which is what a CD does. Are you counting on having this money for an emergency fund (guaranteed liquidity)?

Please see Emergency fund on the Bogleheads Wiki.
by LadyGeek
Thu Oct 28, 2010 7:51 pm
Forum: Personal Consumer Issues
Topic: More HDTV questions
Replies: 31
Views: 3432

Plasmas are heavy, as the display is glass. They also draw a lot of power, which heats up the room. However, the picture quality is excellent. I don't think you'll be wanting a plasma. Display size vs. seating distance, from THX (the guys who do the THX theater standards): HDTV Set Up (Pay attention...
by LadyGeek
Thu Oct 28, 2010 5:14 pm
Forum: Investing - Theory, News & General
Topic: What is "Slice and Dice"?
Replies: 75
Views: 11223

Final requested reviewer gave the OK (via PM), it's ready to go! Barry Barnitz made additional changes. retiredjg - The key to a successful wiki is finding the information. The idea is that you organize not only by top-down headings, like an outline; but sideways, upside down, and criss-cross. Take ...
by LadyGeek
Wed Oct 27, 2010 9:09 pm
Forum: Investing - Theory, News & General
Topic: What is "Slice and Dice"?
Replies: 75
Views: 11223

OK, I think this page is ready for prime time. We've added more background on slice and dice portfolios, which refers to added content on the discussion page (tab at the top of the file). Does anyone have additional comments or corrections before this is unleashed into the main wiki area? If you sli...
by LadyGeek
Wed Oct 27, 2010 6:59 pm
Forum: Personal Consumer Issues
Topic: HDTV question
Replies: 11
Views: 2291

Let the TV do TV things, leave the internet for your PC or boxes connected to your TV. The internet on your DVD player is for the DVD to check for copyright violation. Also, to access online features DVD; usually called "BD-Live". The only time I connect the internet to my DVD player is for an onlin...
by LadyGeek
Tue Oct 26, 2010 9:48 pm
Forum: Investing - Theory, News & General
Topic: What is "Slice and Dice"?
Replies: 75
Views: 11223

....of what have become known as "Slice and Dice" portfolios; essentially diversified portions that seek to outpace the broad market index by systematically overweighting various sectors. I think this is a good concise definition and should be included in your Wiki page, LadyGeek It's in the wiki p...
by LadyGeek
Mon Oct 25, 2010 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: What Happens When Your Checking Account Is Overdrawn?
Replies: 10
Views: 3752

You have evidence. The key word is to get your account "covered" for the wrongful overdraft. Go to the bank in person and ask them to "cover" your account for a few days. That will prevent anything from bouncing.