Search found 23264 matches

by LadyGeek
Tue Apr 28, 2009 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or not- home equity twist
Replies: 6
Views: 1423

Be sure to check all the mortgage refi calculators in the wiki.

The refi calculators by the Mortgage Professor might cover what you're asking.

Inflation and tax rates will affect your decision. Try guessing on future interest rates with these calculators and see if refi makes sense.
by LadyGeek
Mon Apr 27, 2009 9:28 pm
Forum: Forum Issues and Administration
Topic: Watching topic stops sending e-mails
Replies: 7
Views: 2252

I haven't had that problem, but I use another technique. Instead of watching for an email, I use the Search feature at the top of the page to search for my own posts. I often post in threads I'm interested in, so this is a quick-n-dirty way to keep up to speed with what I'm following. Put "DP" in th...
by LadyGeek
Mon Apr 27, 2009 9:21 pm
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 16538

Only two handguns for red blooded American males: 1. Smith & Wesson - .357 2. Colt - .45 And for red-blooded American females: 9 mm 8) You want a real challenge? Try target shooting with an air pistol. It's not classified as a firearm and cheap (compared to bullets). The velocity is s-o-o-o much sl...
by LadyGeek
Mon Apr 27, 2009 6:32 pm
Forum: Personal Consumer Issues
Topic: Dashboard indicator lights
Replies: 22
Views: 4487

Second on the loose ground wire. Standard troubleshooting technique - I'm betting you had your car serviced just before the problem started. Check in the area of the car that was serviced.

Did you have any service to check / clean the battery posts? Something like that.
by LadyGeek
Mon Apr 27, 2009 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 16538

Do you want to shoot competitively or for self-defense (accuracy vs. range vs. impact)? Don't even think about buying one without holding it in your hands and actually firing it. You'd be very surprised on both how the gun feels in your hand (balance, comfort) and how much kickback there is (caliber...
by LadyGeek
Sun Apr 26, 2009 9:07 pm
Forum: Personal Consumer Issues
Topic: Cognitive enhancement software
Replies: 24
Views: 4460

I agree with SP-diceman. Take a close look at the documented research. Not the unpublished studies, the ones that are published and have a significant number of study participants (> 100). On your web site here: http://www.positscience.com/science/studies_results/all_studies.php Follow through to th...
by LadyGeek
Sun Apr 26, 2009 7:02 pm
Forum: Forum Issues and Administration
Topic: Original Poster - tracking.
Replies: 8
Views: 2860

One suggestion would be to open the thread in a new tab or window. That way, you can keep reading while having your "reference" page easily available.

In Firefox or Internet Explorer, right click on the link --> "Open in New Tab" or "Open in New Window"
by LadyGeek
Thu Apr 23, 2009 9:18 pm
Forum: Investing - Theory, News & General
Topic: One in five Britons suffers from 'financialphobia'
Replies: 4
Views: 1322

Was that study funded by a pharmaceutical company? If not, it should be.

That's a common tactic - take a drug that's not doing well and find a rare disease to fit it. Instant sales boost.
by LadyGeek
Wed Apr 22, 2009 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Kudos to American Express
Replies: 36
Views: 6086

I specifically purchased a TV with an AMEX card to double my manufacturer's warrany (1 year). Sure enough, near the end of my 2nd year, it had a problem. AMEX came through with a reimbursement (credit to the account).
by LadyGeek
Sun Apr 19, 2009 9:30 pm
Forum: Investing - Theory, News & General
Topic: PetroChina on Vanguard's July 2 Proxy Ballot
Replies: 61
Views: 8935

Take a look at the bigger picture. Vanguard isn't the only target for this latest round of "socially responsible" investing: Google news search. For me, further discussion would go off-topic for this forum.
by LadyGeek
Sun Apr 19, 2009 9:12 pm
Forum: Personal Consumer Issues
Topic: Trader Joes Wine Favorites
Replies: 37
Views: 6477

Trader Joe has wine?? Oops. Forgot I lived in Pennsylvania for a second. :(

(Wine sales controlled by the state.)
by LadyGeek
Sun Apr 19, 2009 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: unique international situation retired at 32 what allocation
Replies: 28
Views: 4720

Hello, welcome to the forum. It's encouraging to see other women who have confidence to do things themselves. My background is engineering, not investing. I came to this forum with many questions and received a substantial amount of guidance. As a result, I'm now trying to help others. Based on my e...
by LadyGeek
Sun Apr 19, 2009 11:59 am
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22120

Larry, First, thank you for pointing out that the maximum age is only available in the paid version. As someone who has never used your software before, the user interface is critical to selling your product. I agree with yobria. However, I'd describe it differently: User interface. Specifically, da...
by LadyGeek
Sat Apr 18, 2009 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: refinance?
Replies: 7
Views: 1501

Don't forget all the mortgage calculators in the wiki . Remember that taxes and rate of inflation also factor into the calculations. The Mortgage Professor Re-Fi calculator takes this into account (I'm sure there are others): http://www.mtgprofessor.com/mpcalculators/RefinancingOneMortgage/RefiI.asp
by LadyGeek
Sat Apr 18, 2009 8:19 pm
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22120

Victoria - The reason your saved information was still there is because the web site is saving a "cookie" in your web browser. Delete the cookies from your browser and your information will be gone. This version doesn't have any error checking. I entered totally invalid combinations, like for a 1st ...
by LadyGeek
Sat Apr 18, 2009 4:52 pm
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22120

I entered some bogus info to see what it would do (they promise not to give any information to 3rd parties, but I don't want them to have my info). The results showed how life insurance would pan out. I didn't enter any life insurance information. You also have no control over adjusting your expecte...
by LadyGeek
Sat Apr 18, 2009 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is it important to escrow taxes and home insurance
Replies: 34
Views: 5921

My mortgage company wouldn't let me do my own escrow until my LTV dropped below 80%. The month I reached it, I started handling everything myself and haven't looked back. I was always nervous about the mortgage company losing the bill. They also wouldn't let me drop PMI (Private Mortgage Insurance) ...
by LadyGeek
Thu Apr 16, 2009 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my girlfriend
Replies: 25
Views: 4590

There's nothing you can do. My (former) financial advisor talked me out of my STAR fund to go into Ameriprise. Three years later, I'm back into VG. This advisor's (broker?) first claim will be that he can beat Vanguard. You can't refute it. If he does better than she can by herself, he's earned his ...
by LadyGeek
Wed Apr 15, 2009 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can you outsmart a key logger?
Replies: 33
Views: 6668

If he uses the arrow keys, no. With the mouse, maybe.
by LadyGeek
Wed Apr 15, 2009 7:21 pm
Forum: Personal Consumer Issues
Topic: Telescopes - Which one to buy?
Replies: 37
Views: 5000

Your first shot could be a satellite. The time for a satellite to traverse the sky should be a few minutes (hard to tell if you don't know which one it is). Figure out your exposure time to see if the the distance traveled matches up. Another clue is that most satellites in Low Earth Orbit (like Iri...
by LadyGeek
Wed Apr 15, 2009 6:58 pm
Forum: Personal Consumer Issues
Topic: Calculus I Help Please
Replies: 119
Views: 16020

Only if you've been cutting the same rope for the past 10 years and don't expect anything to change....
by LadyGeek
Wed Apr 15, 2009 6:56 pm
Forum: Investing - Theory, News & General
Topic: Conservative Target Date Funds
Replies: 9
Views: 1767

You should select the target retirement fund that best matches your risk tolerance. No one mentioned Vanguard's Investor Questionnaire . Use this to determine the asset allocation you are comfortable with. Then, pick the target fund year to match. Select "Begin the Vanguard® Investor Questionnaire" ...
by LadyGeek
Tue Apr 14, 2009 9:39 pm
Forum: Personal Consumer Issues
Topic: Space-Based Solar Power (SBSP)
Replies: 5
Views: 1139

The fact-avoidance writing style of the article(? or is it a press release) and related web sites raise all kinds of flags. I'm thinking this was a DoD project that got it's funding cut. Who to pawn this stuff to? The power companies. Call it green energy...In fact, call anything "green energy" thes...
by LadyGeek
Tue Apr 14, 2009 5:04 pm
Forum: Personal Consumer Issues
Topic: Space-Based Solar Power (SBSP)
Replies: 5
Views: 1139

It's not a joke, the theory works. However, there are way too many problems with the actual construction and operation. I'd doubt it would ever get built. Looks like the DoD is the actual driver for this. There's a full report here: http://www.nss.org/settlement/ssp/library/nsso.htm The end of the r...
by LadyGeek
Mon Apr 13, 2009 8:54 pm
Forum: Personal Consumer Issues
Topic: am radio fade
Replies: 12
Views: 2484

If it's not your radio, then there's probably something causing your radio to be de-sensed from interference. Think fluorescent light, dimmer, etc. The next time this happens, tune around looking for a lot of buzz or hum. Those stations don't drift (compared to your radio) and atmospheric problems w...
by LadyGeek
Sun Apr 12, 2009 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: FIOS is starting to look really good right now.
Replies: 22
Views: 5283

Interesting. I used speedtest.net and got 20/5 (12 mS latency) to a NY (close-by) server. I then tried it to Scottsdale AZ and got 11/4 (170 mS latency).

As for FiOS, I was promised 20/5 and got 20/5. Just not to everywhere all the time.
by LadyGeek
Sun Apr 12, 2009 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: FIOS is starting to look really good right now.
Replies: 22
Views: 5283

I would agree with you about Verizon's customer service (billing problems to be specific), but the speed is as-advertised. Internet speed can vary due to a lot of things. The best way is to run a test yourself and compare to others in your local area. DSL Reports is the place to go for Speed Tests ....
by LadyGeek
Sun Apr 12, 2009 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Book
Replies: 18
Views: 4111

Any chance for a paperback edition? I only see hard cover.
by LadyGeek
Sat Apr 11, 2009 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 1040 and 1040X (Itemized and Standard Deduction)
Replies: 7
Views: 3027

To be clear, you and you alone are solely responsible for your taxes. The IRS comes after you, not TurboTax. I would hold-off submitting anything that doesn't look right. The 1040X is only for amending returns, so submitting both forms doesn't seem right, especially for the same tax year (I'm not a ...
by LadyGeek
Sat Apr 11, 2009 7:56 pm
Forum: Personal Consumer Issues
Topic: How to talk away the current account deficit
Replies: 2
Views: 711

You may want to put this thread in the "Investing - Theory, News & General" forum. If you would like to move this thread, PM a forum moderator and request a move.

You can see who's online in the forum index.
by LadyGeek
Sat Apr 11, 2009 7:24 pm
Forum: Personal Consumer Issues
Topic: Old PCs: Some use for them or donate to charity?
Replies: 26
Views: 4227

Techie answer: Yup. The link previously posted for Boot and Nuke points to a secure file eraser called Heidi Eraser . I haven't used it, but that's generally what you want to do. You need to know which files to erase. Typically, your personal files are on your Desktop or in My Documents. Don't forge...
by LadyGeek
Sat Apr 11, 2009 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast vs Verizon
Replies: 27
Views: 7587

Verizon requires rental of a box for every non-digital TV - Comcast does not. If you take away that, they are very similar. I'm betting that Comcast doesn't require a box for non-digital TV because they haven't turned off the analog channels in your area. When Verizon turned off their analog channe...
by LadyGeek
Sat Apr 11, 2009 5:01 pm
Forum: Forum Issues and Administration
Topic: Wiki and logo links
Replies: 12
Views: 2714

I'm back on SubSilver. Thank you! The wiki logo (script "W") gives the header a classy touch. A minor comment that the forum logo colors don't match the main site and wiki logos. Something to look at if you ever decide to change the logo or profile themes. I have different suggestion on wording to i...
by LadyGeek
Sat Apr 11, 2009 4:25 pm
Forum: Investing - Theory, News & General
Topic: NYT: Bogle - He Doesn’t Let Money Managers Off the Hook
Replies: 25
Views: 4192

stratton wrote:I get a username/password combination and no article. Paul
Enable cookies. After you're done, disable cookies and clear out everything except the one from this site.
by LadyGeek
Fri Apr 10, 2009 10:02 pm
Forum: Personal Consumer Issues
Topic: Tips for changing Lawnmower Oil?
Replies: 25
Views: 7002

My lawnmower has Mobil One synthetic oil (unused from my car oil change). Runs r-e-a-l smooth. Forget the manual, here's how to do spring maintenance on-the-cheap (Bogleheads method): :P - Before changing the oil, let the mower warm up for a few seconds (but not too hot). Then, put the mower up on a...
by LadyGeek
Fri Apr 10, 2009 7:22 pm
Forum: Personal Consumer Issues
Topic: Old PCs: Some use for them or donate to charity?
Replies: 26
Views: 4227

Good reminder. I've been keeping an NEC Multisync 22" CRT around for backup. It hasn't been used for a long time and is officially in the "boat anchor" class. I'll look for a good charity.

An opportunity to get my 2009 tax deductions in early. Good exercise, it's only 60 lbs. :P
by LadyGeek
Fri Apr 10, 2009 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Your Internet Service Provider Evaluation is appreciated.
Replies: 54
Views: 12983

If you want to "deep dive" into service comparisons, go to DSL Reports . Lots of info there, ISP performance is their specialty. With regards to cable vs. DSL. If your cable service is also 1.5 Mbps, I would think that DSL is faster. Cable users are restricted to share the same "pipe". IOW, everyone...
by LadyGeek
Fri Apr 10, 2009 4:18 pm
Forum: Personal Consumer Issues
Topic: Old PCs: Some use for them or donate to charity?
Replies: 26
Views: 4227

You need to use a free program such as Darik's Boot And Nuke to "nuke" your hard drive by writing 1's and 0's and other random characters up to 7 times. Otherwise, someone who received your computer could run a utility to find your personal information stored on your PC and create an identity theft...
by LadyGeek
Fri Apr 10, 2009 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Your Internet Service Provider Evaluation is appreciated.
Replies: 54
Views: 12983

Before you decide to switch from dial-up, verify that your computer is new enough to handle the high speed service. I have been told by two DSL vendors that they could not provide service for me with my current setup. My computer uses Windows 98 SE, and they said that would not work very well if at...
by LadyGeek
Fri Apr 10, 2009 2:25 pm
Forum: Personal Consumer Issues
Topic: Old PCs: Some use for them or donate to charity?
Replies: 26
Views: 4227

I'll bet any new PC you get will have a larger hard disk than your old PC, so using the old one for a backup won't serve the purpose. The cost of upgrading your old hard drive is about the same as buying a large external USB or eSATA hard drive that you could just attach to your new PC. Donation to ...
by LadyGeek
Sun Apr 05, 2009 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: TurboTax vs TaxAct: A First-Timer's Very Quick Review
Replies: 18
Views: 5299

I bought TaxCut just before TurboTax rescinded their insane licensing policy of 1 return only. After I finished my return with TaxCut, I saved it as a pdf file. Totally hosed, margins off the edge not printable. I returned it for a refund and downloaded TurboTax from Amazon.com. No problems. TaxCut ...
by LadyGeek
Sun Apr 05, 2009 7:40 pm
Forum: Investing - Theory, News & General
Topic: Complexity vs. simplicity
Replies: 30
Views: 4379

How about for the time period collected by the Callan table? I would think that from 1989 on that records were automated and data collection was accurate.

My engineering view.
by LadyGeek
Sun Apr 05, 2009 7:30 pm
Forum: Investing - Theory, News & General
Topic: Complexity vs. simplicity
Replies: 30
Views: 4379

Re: Callan Periodid Table

Hi: I love the Callan Table . It demonstrates the advantage of total market index funds which hold everything, and without worrying about which asset class is the current leader or laggard. Taylor, Your link is for an older table. Here's an update with 2008: The Callan Table of Periodic Investment ...
by LadyGeek
Sun Apr 05, 2009 4:46 pm
Forum: Personal Consumer Issues
Topic: Help selecting cable movie channels
Replies: 3
Views: 1071

I don't have any of those, but your question is rather popular. Try a Google search for all three channels: http://www.google.com/search?q=choose+h ... tnG=Search
by LadyGeek
Sun Apr 05, 2009 10:55 am
Forum: Personal Consumer Issues
Topic: Boglehead NCAA Champion picks...preliminary results...
Replies: 16
Views: 2211

The women's Final Four is here: http://www.cbssports.com/ncaawbasketbal ... /finalfour

Today at 3 PM ET. It's not over.
by LadyGeek
Sun Apr 05, 2009 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Ritz Camera to Close More than 300 Stores
Replies: 13
Views: 2517

Great timing. Consumerist.com just posted an article about Ritz's liquidators: No Deals: Notorious Cabal To Oversee Ritz Camera Liquidations. Everything is now MSRP. :(
by LadyGeek
Sun Apr 05, 2009 10:11 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS' GUIDE VOLUNTEERS - OUR NEXT COMMUNITY PROJECT
Replies: 13
Views: 3249

When I see a topic I don't understand, I ask questions then write a wiki page about it. My latest creation: Value Tilting - Stock . There's nothing like live-fire training, especially in the midst of a heated debate. :) As for arrow's suggestion about demographics, it's a matter of how the informati...
by LadyGeek
Sat Apr 04, 2009 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ritz Camera to Close More than 300 Stores
Replies: 13
Views: 2517

Ron - Ritz has a "we'll meet or beat any price" policy. Show them the ad from a local retailer, and they'll meet the price. Internet doesn't count, so they wouldn't budge. It also tells me that the local manager has no authority to negotiate price. If he can make his monthly quota, why not move the ...
by LadyGeek
Sat Apr 04, 2009 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: value tilting: the numbers
Replies: 112
Views: 17066

Beagler - A better link for you. Updated for 2008: The Callan Table of Periodic Investment Returns

You had me worried. MSCI's EAFE was #1 for the last 3 years (2005 - 2007). In 2008, it was dead last.

FYI - Hit "Quote" on my post to see how to show text instead of a URL.
by LadyGeek
Sat Apr 04, 2009 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Ritz Camera to Close More than 300 Stores
Replies: 13
Views: 2517

Ritz Camera to Close More than 300 Stores

Announced late Thursday night. There's a store near me that's closing. I tried to buy a camera from them. They wouldn't move in price, so I got it online. Announcement: http://www.marketwatch.com/news/story/ritz-camera-close-more-300/story.aspx?guid=%7b216A0BEF-9597-4674-B583-67555DE10B6C%7d&dist=ms...