Search found 65 matches

by Digital Dave
Sun Feb 21, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: Calling all Plumbers (or anyone who has bought a toilet).
Replies: 76
Views: 6354

Re: Calling all Plumbers (or anyone who has bought a toilet).

A little over a year ago I decided to treat myself to a new toilet. I found a person that would install it for me. I did research online and decided that a tall and elongated toilet would be nice. I measured the space I had in my small bathroom and decided this would be good. I went to the website o...
by Digital Dave
Sun Jan 10, 2021 7:25 pm
Forum: Investing - Theory, News & General
Topic: ARK investment
Replies: 267
Views: 24896

Re: ARK investment

About 4 months ago I invested 1% of my liquid assets in ARKK. (Since then I've done the same with two other ETFs). If it goes way down, I can TLH if I really want to. If it goes way up, that is fine. I won't invest more. ARKK is out of my comfort zone. Nothing else to add. Thanks for listening. Dave
by Digital Dave
Fri Jan 01, 2021 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2021 QCD at Vanguard
Replies: 53
Views: 2762

Re: 2021 QCD at Vanguard

sport wrote: Fri Jan 01, 2021 5:54 pm Vanguard shows the amount of your RMD and the amount you have withdrawn to date. They also show the remaining amount you need to complete the RMD.
Thank you! I was hoping they would do it this way.
by Digital Dave
Fri Jan 01, 2021 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2021 QCD at Vanguard
Replies: 53
Views: 2762

Re: 2021 QCD at Vanguard

I also turned 70.5 late last year and made my first QCD by requesting a check made out to the charity from Vanguard. Looks like this will be my preferred method of giving. Being somewhat optimistic, I expect to be 72 next year. My plan is to do my QCDs first and then towards the end of the year doin...
by Digital Dave
Sat Dec 26, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3667

Re: TurboTax 2020 Price

Exactly one year ago, I bought the TT Home & Business CD for $65 on Amazon. I entered a one year later reminder note on my appointment reminder then noting the good price. This afternoon the alarm sounded. I went to Amazon right away, and there it was again, the 2020 edition for the same $65. I ...
by Digital Dave
Sun Dec 06, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard has issues with QCDs on 10/19/20, is a continuing issue
Replies: 52
Views: 4432

Re: Vanguard has issues with QCDs on 10/19/20, is a continuing issue

I did my first QCD as I turned 70.5 in October. I went to the Vanguard site on 11/29/20. It was easy. I received the check, correctly made out on 12/4. Put the check in the mail the next day. I'll be doing this multiple times next year. I'm currently making my charity list and deciding my plan. I re...
by Digital Dave
Mon Sep 07, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33954

Re: For those with $500k-$1m in investments...

70yo, retired 13yrs 18% Roth 18% IRA 64% Taxable I've done Roth Conversions, but otherwise haven't spent any IRA. Never spent any of my Roth. Work didn't have any retirement plan. Started my IRA in 1984, stopped in 1998 when the Roth IRA began. My IRA is all Vanguard GMNA and cash. Roth is mostly in...
by Digital Dave
Fri Aug 14, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Spectrum App on Roku
Replies: 13
Views: 930

Re: Spectrum App on Roku

For those of you who do use Roku, do you like one of their equipment choices over the others? Why? Many thanks. All the Roku boxes operate pretty much the same. You should select based on your screen resolution. Rokus come in 1080p and 4k. You are always safe with the 4k models, or if you are plann...
by Digital Dave
Thu Aug 13, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Spectrum App on Roku
Replies: 13
Views: 930

Re: Spectrum App on Roku

phinanciallyfit wrote: Thu Aug 13, 2020 2:31 pm I have never used Spectrum and I'm not even sure what it is, ...
Spectrum is our cable tv / home internet monopoly (in my area). The parent company is Charter Communications.
It is like Comcast.
Yes, the Roku is easy. I was able to easily teach an 80 year old how to make it work.
by Digital Dave
Thu Aug 13, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Spectrum App on Roku
Replies: 13
Views: 930

Re: Spectrum App on Roku

Yes, the bills always arrive on time (even though they forget promised credits)! Thanks for your help. I've got to decide whether the $10/month is worth the aggravation to me, and more importantly, my wife. There was another wide area failure this morning with Spectrum. That would save you $120 per...
by Digital Dave
Wed Aug 12, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Spectrum App on Roku
Replies: 13
Views: 930

Re: Spectrum App on Roku

Thanks for your insights. If you are in the Spectrum app via Roku on your TV, and say you want to go to Channel 200, do you have to scroll through a long list of channels to get there, or can you input the channel number into a keypad? Are there "last channel" or "favorite channel&qu...
by Digital Dave
Wed Aug 12, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Spectrum App on Roku
Replies: 13
Views: 930

Re: Spectrum App on Roku

I'll assume you are using the standard, non-dvr boxes. I bought my first Roku box in 2015. After using the Spectrum app for a couple months, I got in my car and took my cable box back to Spectrum. I wanted to keep my "digital tier" package. When I turned in the box, I was told that I could...
by Digital Dave
Mon Apr 20, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1721

Re: Stimulus Charity?

I didn't need (or want) the stimulus money that I received. Couldn't figure out how I would give this back, so I'm working on the next best thing. 1/4 went to the local food bank the day I heard I would be getting the money. Yesterday I gave 1/4 of the money to a car repair small business. I asked t...
by Digital Dave
Tue Mar 03, 2020 2:45 pm
Forum: Personal Investments
Topic: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?
Replies: 22
Views: 4485

Re: Retirees living off Wellesley Income Fund: how do you manage the nuts and bolts?

According to Google, VWINX's share price has increased by about 42% since the beginning of 2000 (from 19.01 to 26.99) " [/quote] The quarterly dividends and capital gains paid out aren't reflected in the share price. I would expect that Wellesley has done much better than the cost of living, wh...
by Digital Dave
Sun Jan 12, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Power reboot in house for smart bulbs
Replies: 13
Views: 1038

Re: Power reboot in house for smart bulbs

We get power failures here quite often. All of my wifi bulbs are in the ON state after the power comes back on. All I do is wait for the router to settle back in and I bark the "blackout" command to my Google Home. I have Wyze bulbs, Sengled bulbs and various no-name bulbs that use the Sma...
by Digital Dave
Tue Jul 09, 2019 12:15 pm
Forum: Personal Investments
Topic: Drawing down Inherited IRA vs. Roth Conversions
Replies: 13
Views: 1162

Re: Drawing down Inherited IRA vs. Roth Conversions

After thinking about this for a short time, I think I would advise to do a Roth conversion on your own IRA and let the stretch IRA go until you have to take distributions there. The only thing that would cause me to think otherwise is if you were getting a subsidy from ACA. At 70.5 years old, you wo...
by Digital Dave
Sun Jul 07, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2735

Re: No more print Mad magazine

Here is the website that Dick DeBartolo, one of the long time usual gang of idiots from MAD operates.
http://gizwizbiz.squarespace.com/
Dick is a real hoot. He's also on Twitter and other venues that will have him.

Dave
by Digital Dave
Mon Jun 24, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2780

Re: Dollar General

This thread is timely as a Dollar General is being built within walking distance from my house. I live 10 miles from one city and 12 miles from a village. The land was probably cheap. (I think where they are building has flooded in the past, but I'm not saying anything.) :) Close to them is a 150 ho...
by Digital Dave
Wed May 08, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protection
Replies: 22
Views: 2615

Re: Whole House Surge Protection

I bought an Intermatic whole house surge protector a long time ago. (I used to sell them at a small electronics distributor I worked for.) I installed it myself, but I'm used to installing electrical devices. I check the LED status check now and again. Haven't had any lightning problems after instal...
by Digital Dave
Sun Mar 31, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Estimating long term capital gains for mutual fund
Replies: 10
Views: 1204

Re: Estimating long term capital gains for mutual fund

I don't think that any fund makes that info available, and might be subject to a rapid change at the end of their fiscal year when some fund managers might adjust their sales, taking tax losses, etc. I have on my taxable income spreadsheet a section where I estimate end of year distributions, based ...
by Digital Dave
Fri Mar 15, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: zenni customers: upgraded coatings or blokz lenses worth it?
Replies: 24
Views: 34487

Re: zenni customers: upgraded coatings or blokz lenses worth it?

On my last Zenni order at the beginning of the year, I went with the Blokz option. I'm in front of a computer screen a lot here at home. The lenses are nice (I had regular anti-reflecting, but otherwise the same glasses before). I am undecided whether I would spend that much money for another upgrad...
by Digital Dave
Fri Mar 15, 2019 11:16 am
Forum: Personal Investments
Topic: Transfer in kind of a closed Vanguard Fund, IRA to Roth?
Replies: 4
Views: 403

Re: Transfer in kind of a closed Vanguard Fund, IRA to Roth?

Thank you for your reply, Rick. Yes, I did mention Roth conversion in my post. I've done several Roth conversions over the years, but they have been cash transfers. I could sell some of my Primecap in my IRA, but since it is a closed fund, I wouldn't be able to initiate a new Primecap purchase in my...
by Digital Dave
Fri Mar 15, 2019 9:41 am
Forum: Personal Investments
Topic: Transfer in kind of a closed Vanguard Fund, IRA to Roth?
Replies: 4
Views: 403

Transfer in kind of a closed Vanguard Fund, IRA to Roth?

I have traditional IRA and Roth IRA brokerage accounts with Vanguard. I have Vanguard Primecap Fund (closed to new investors) as part of my traditional IRA but wish to have it in my Roth. I went online and went through the motions of a Roth conversion, but I saw no way to transfer shares of this clo...
by Digital Dave
Wed Mar 13, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Predicted RMDs Have Caught Me By Surprise
Replies: 69
Views: 8207

Re: Predicted RMDs Have Caught Me By Surprise

One way to cut the growth of your 401k is to put it in cash/bond fund. Increase the equities (tax efficient index funds) in your taxable accounts. Depending on how your desired asset allocation works out, put stock funds in your Roth if that pleases your asset allocation. I'll be in RMD land next ye...
by Digital Dave
Sun Feb 10, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: T Rowe Price?
Replies: 29
Views: 4842

Re: T Rowe Price?

I've invested with TRP for almost 25 years. I've held Mid Cap growth for 21 years and have 3 other funds (3/4 are closed). I currently have 15% of my investments with them. I've had no problems, but I am pretty much a hassle-free kind of guy anyway. I haven't added much money over the years, and I t...
by Digital Dave
Sun Feb 10, 2019 11:25 am
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 6320

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

I think the Roth, IRA, Taxable decisions are made based more with behavioral reasons than sound calculations. (Think of the kid with a marshmallow placed in front of him. He can eat it now, but in 5 minutes, if he hasn't eaten it, he gets a second marshmallow.) Most people will take the instant grat...
by Digital Dave
Fri Nov 30, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Keyboard and Mouse recommendations
Replies: 6
Views: 362

Re: Keyboard and Mouse recommendations

I use a Cougar Attack x3 keyboard. It uses Cherry switches and has red led backlighting of the keys. I paid around $55 (sale price) for it. I bought a second as a spare which is connected to a second computer that I use for testing this and that. If this breaks, I'll use that one. I've had this keyb...
by Digital Dave
Fri Sep 14, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 2128

Re: New Light bulbs

I like 3000k bulbs. I used to like 4000k bulbs until I had my cataracts taken care of. My latest bulbs are by Sansi, sold by Amazon. I like to try different bulbs, kind of a hobby. When I get too many, I give them away to friends. I try to buy bulbs with over 100 lumens per watt. My next bulbs will ...
by Digital Dave
Wed Apr 25, 2018 8:02 pm
Forum: Personal Investments
Topic: Any Vanguard Global Min Vol Fans? (VMVFX)?
Replies: 17
Views: 4270

Re: Any Vanguard Global Min Vol Fans? (VMVFX)?

I first purchased this fund a little over a year ago. Since then I've made 3 additional purchases. It is possible that I might end up with Admiral shares sometime. I like the currency hedging. I also like that this fund covers a range of market caps, and of course the low vol tilt. The mix of US and...
by Digital Dave
Sun Dec 17, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 21964

Re: Save all this money, what do you splurge on?

A Google Home in every room.

When I upgrade my electronics, instead of selling the old stuff, I give it to my friends. I get a new device (iPad) and a friend now enjoys my old one.

Dave
by Digital Dave
Tue Sep 12, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 3460

Re: Feeling guilty for buying a new iPad pro

Last March I bought the cheap $329 iPad when it was on sale for $299. This is my third iPad. I gave my previous one to a neighbor who has been nice to me and it gave them great pleasure to accept my 5 year old iPad. So not only did I upgrade my hardware some, but I made a friend happier. I don't reg...
by Digital Dave
Mon Sep 11, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 9507

Re: Do I need an Amazon Echo??.....

I have 2 Amazon Echo and one Dot. I also have 4 Google Home, 3 speak English and one German. These are in my 700 sq. ft. house. I could do with less of them, but when they would go on sale, I would buy one. I use them mainly to listen to audio from the internet. I also have 8 smart plugs with 3 fans...
by Digital Dave
Sun Jul 23, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 10197

Re: How much electricity are you using and how expensive it is?

In my 700 sq ft house in western New York State, living alone, I consume about 175kWh per month. I have gas boiler, water heater, stove and dryer. My a/c hasn't been plugged in for 4 years. I started changing out my CFL bulbs to LED starting in 2011, and I've been fully LED for several years now. In...
by Digital Dave
Tue Jul 11, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Digital Cable TV
Replies: 12
Views: 1831

Re: Digital Cable TV

I had no idea you could have a cable tv subscription without the boxes. Those things eat up a ton of electricity too. You'r right about those cable boxes. The Roku boxes are on all the time too, but the electric power needed is only about 1/10 of my former cable box. My Spectrum cable box was using...
by Digital Dave
Sun Jul 09, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4804

Re: What is this cable device?

Let me make a *guess* here. I think you should look towards the pole for the answer to why this tap is inserting power in to the line. I wonder if you now have your cable and internet delivered by fiber optic cables going down your street? In the old days (not so old), the street level cable was del...
by Digital Dave
Sat Jul 08, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Digital Cable TV
Replies: 12
Views: 1831

Re: Digital Cable TV

Hello Sport, I think I can answer your query as I am on Spectrum (southern tier NY) and I don't rent any of their boxes. This has been the case for two years when I found out about the Roku box and app. The only glitch was the counter representative said I *had* to have one cable box if I wanted to ...
by Digital Dave
Fri Jun 30, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 4750

Re: Amazon Echo vs. Google Home: which to get?

I have 4 Google Home devices in my little 700 sq. ft. (28 quadrat meter) house. I also have one Alexa Dot but she is in my bathroom so I can sing in the shower. A lot of women in my little house now. The 4 GHs can be tied together to stream a radio station throughout my house. I do the weather, news...
by Digital Dave
Mon Feb 06, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 90385

Re: Quicken's future direction - a cause for concern

I have Quicken 2014. I've been unhappy with the product for a long time. I decided that this was the last Quicken for me. I only use it to track my investments. A few years ago I started using Google Sheets. I have a main sheet showing all investments, and then a bunch of sub-sheets for each fund. I...
by Digital Dave
Wed Aug 17, 2016 7:41 am
Forum: Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 16205

Re: Anyone else getting nervous and converting to cash as a short-term move?

I'm selling CNBC and buying HGTV. My AA is 62% equities. I'm 66 and have several years expenses in cash. Any extra dividends are going to Wellesley. A year ago I had 28 fund investments, now I have 20. Next year I'll sell two more funds and add to existing funds. No market timing for me. I'm going w...
by Digital Dave
Fri Apr 08, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 10251

Re: led vs cfl

I bought my first LED bulb over 4 years ago. It was a 400 lumen GE for $33. The gal at the Lowe's checkout commented that this was a pretty expensive bulb. I said yes, but it will last me many years. My hard choice was to which of my nephews I would leave it to in my will. Anymore LED bulb purchases...
by Digital Dave
Sat Sep 19, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 6473

Re: Free Kindles Today

Thank you, Dr. Bernstein. I just finished Deep Risk as my first selection. Learning about shallow risk and deep risk was quite an eyeopener for me. Several years ago I purchased 4 Pillars and found that very enlightening too. I realized that I was already practicing what you wrote about, but now I k...
by Digital Dave
Sun May 31, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 65
Views: 15329

Re: All-in-one Printer Recommendation

6 years ago I purchased a Brother all in one laser machine. I didn't use it very much but it worked very well. Recently I bought a Brother MFC-L2740DW wireless network printer. I gave my old Brother to my car mechanic so he could get rid of his old ink jet. The old Brother gets a lot of use now and ...
by Digital Dave
Sun Mar 08, 2015 8:06 pm
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 6024

Re: Anyone hold precious metal

Never held gold in any portfolio, but I hold some in my mouth. My dentist is my broker. :)
Dave
by Digital Dave
Sun Jan 25, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 3022

Re: Changing Passwords with 2factor authentication

I've had 2FA set up on my Google account for a while now and I just set it up for my Vanguard account. Google gave me the choice of voice or text. I chose voice and have it go to my home phone as my cell service pretty much goes away when the leaves appear on the trees. I hope that Vanguard will all...
by Digital Dave
Sun Dec 14, 2014 9:06 pm
Forum: Personal Consumer Issues
Topic: Are all computer printers now wireless?
Replies: 33
Views: 5230

Re: Are all computer printers now wireless?

I just bought a Brother MFC-L2740DW all in one monochrome laser style printer. It has a wireless connection which I am using, but it also has a USB connection. I bought it from NewEgg and they described the connection possibilities. My guess is that the USB connection is still common. (BTW, I like t...
by Digital Dave
Mon Dec 08, 2014 12:44 pm
Forum: Investing - Theory, News & General
Topic: 2014 Portfolio Returns
Replies: 25
Views: 3590

Re: 2014 Portfolio Returns

I am happy to say that after paying all my own expenses, plus having new siding put on my house, I have enough left to purchase a decent new used car to replace my teenage car. As the old song said, "I've paid my fare and have a trifle to spare".

Dave
by Digital Dave
Thu Dec 04, 2014 8:34 pm
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 19416

Re: Where do you shop for groceries?

I buy 95% of my groceries at Wegman's (a privately held company headquartered in Rochester, NY). The rest is from Sam's Club and WMT. I'll probably drop Sam's as the entrance fee is too high and too much gas to get there and back. Sam's doesn't appear to offer much to the diabetics, only to the ones...
by Digital Dave
Thu Nov 20, 2014 10:43 am
Forum: Personal Consumer Issues
Topic: MP3 (or Android app) Player for Toddler
Replies: 3
Views: 941

Re: MP3 (or Android app) Player for Toddler

I did a search for toddler mp3 player on eBay and found several at a much more reasonable price point.

A larger mp3 player (too big to fit in the mouth and no small parts to swallow) that sits on a table might be something you can use.

Dave
by Digital Dave
Tue Nov 11, 2014 10:29 am
Forum: Personal Consumer Issues
Topic: Which Tablet?
Replies: 24
Views: 2967

Re: Which Tablet?

I bought my iPad1 in the spring of 2010 (seems like such a long time ago). I skipped the iPad2, and in the spring of 2012 I bought the iPad3. I still use that one. I wanted the retina display and some other features. I have no plans of any future iPad purchases at the present time. It sounds like th...