Tag Archives: comparison

When Looking At Medicare Supplemental Plans It Helps To Create A Spreadsheet.

by Anura Guruge


Click to ENLARGE.

Click to ENLARGE.


At least in my case I wanted to see the total MAXIMUM yearly costs for the relevant plans.

Just the monthly premium tells you little because you have to factor in the deductibles.

I amortize the deductibles across the year and add them to the premium. That then gives me a much more representative comparison.

Creating a spreadsheet like this is trivial. I will gladly send you this … you will just have to plug in YOUR monthly premiums. The deductibles are the same for ALL OF US — and these are the 2019 deductibles.


Related posts:
Check Category ‘Healthcare’.


by Anura Guruge

Garmin Vivoactive 3 vs Fenix 5 Comparison — Worth Watching.

by Anura Guruge



This is something you might want to consider BEFORE getting the new Vivoactive 3. To I GPS is the BIG thing. I love the GPS on my current Garmin Vivoactive HR and definitely want an UPGRADE in GPS capability. Being able to PRE-LOAD GPS maps for hiking would be neat.

So, I really need to give this more thought before rushing ahead and pre-ordering a Vivoactive 3.


Related Posts:
>>>> Search ‘Fitbit’ & ‘Garmin’


by Anura Guruge

New Panasonic Lumix DC-GH5 — Not Convinced It Is Worth $601 More Than A Sony a6500.

by Anura Guruge


pana

My comparison of what I look for in a camera.

Click to ENLARGE.


I could be wrong but I don’t see the justification for the added $601.

IF it was APS-C or Full-Frame — yes.

But, darn it — it is a Four-Thirds sensor. Panasonic appears to be playing the same game recently played by Olympus with the much anticipated OM-D E-M1 Mk II. That too was priced, body-only, at $1,999.

I think the Four-Thirds vendors are HOPING that a $1,999 might make their cameras look better. Not sure that that is going to work.

Yes, the Panasonic GH5, at the end of April, with a new version of firmware, is supposed to get some groundbreaking video features. That has zero value to me.

I just can’t see paying $2,000 for a 20MP Four-Thirds body. Period!

It would be competitive if it was $1,400 U.S.


sonya6500Related Posts:
++++
Check Categories ‘Camera News & ‘Sony’ for other related posts >>>>
>>>>
Search on ‘Panasonic’ or ‘a6500’ for other posts too >>>>


by Anura Guruge

New Hampshire (N.H.) 2016 – 2017 Property Tax Rates: Highest, Lowest & Everything Else.

by Anura Guruge


New Hampshire property tax rates Anura Guruge


As I did for last year, i.e., 2015 – 2016, I am going to do just this ONE post and update it as more and more towns report.

So ideally anybody and everybody looking for 2016 – 2017 New Hampshire property tax information will always end up at this post. OK? Clear? Thanks.


As of December 12, 2016, 225 towns had published their 2016 – 2017 Property Tax Rates. (As always I have excluded the (exotic) N.H. Townships, Grants, Locations and Purchases that had $0.00 tax rate for the year. Wikipedia has a list of all these N.H. ‘exotics’. The other, non-zero exotics have a grey background and a (U) notation.)

This 225 list (marked ‘Final’ by the State) constitutes our ‘full house’.


PLEASE note that these property tax rates in isolation are MEANINGLESS unless you also factor in the relative property values of the towns. Please read this post. Click image on right to ENLARGE.

All the data used from the NH Department of Revenue Administration Tax ‘page’.
For 2015 – 2016 they have a new Website. The data provided and the format is a bit different.
They have included a ‘dashboard’ to try and make it easier IF you understand their lingo.

Click here to access the official N.H. Website page.


2016 – 2017 New Hampshire Property Tax Rates

December 12, 2016.

225 Towns Reporting.

[Towns in ‘grey’ rows are non-zero ‘exotics’ — possibly uninhabited.]


Sorted by Name.

Click here to access entire PDF file.

2016-2017nhalphaimage

Click to ENLARGE and view the first ‘few’ entries, in alphabetical order.


Featured Promotion for the week

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e-mail: anu@wownh.com
to see how you could be in this slot.


Sorted HIGHEST to lowest.

Click here to access entire PDF file
sorted highest-to-lowest.

2016-2017nhhighest

25 towns with highest tax rate.


Sorted LOWEST to highest.

Click here to access entire PDF file
sorted lowest-to-highest.

2016-2017nhlowest

25 towns with lowest tax rate.



kindlecoverjpegRelated posts:
>> Search ‘property taxes>>>>
++ Check category ‘New Hampshire>>>>


by Anura Guruge

 

 


Yet Another Sophie’s Choice For I — Panasonic Lumix LX100 or New ZS100.

by Anura Guruge


lumixlz100xs100

Click to access original at “Camera Decision”.


As I have been saying for the last couple of days I am now looking for a replacement for my Sony RX100 II given that it is sold and gone.

I was planning to get a Fuji so that I could standardize on Fuji cameras. BUT that doesn’t seem as easy and practical as I had thought — and not in the budget that I was hoping. Anytime you do any serious evaluation of today’s cameras, using Web resources, you are bound to be told of the competitors. The Panasonic Lumix LX100 kept on coming up. Over the last 24 hours I, as I am wont to do when I come across a camera that looks interesting, did a deep-dive, immersion into finding out about it. Quite the camera. Just two things, other than the smaller than APS-C sensor size, that bothered me: it being a 13MP camera (despite using a 16MP sensor) and the lack of a built-in, pop-up flash. (I am a great exploitor of pop-up flashes). Though the LX100 comes with an external flash that would be an impediment. But the reviews rave about the LX100.

Then on Sunday I came across the newly announced, viz. January 5, 2016, Panasonic Lumix DMC-ZS100. I had not paid any attention to it since I had by then thought that I was done with buying anymore Panasonic cameras. WOW. ZS100. Basically a smaller version of the Panasonic Lumix FZ1000 that has served me so well! But a 1″ sensor and I really wanted to move away from 1″. But it has a pop-up flash and is 20MP. Lens, at zoom, is a bit slow.

To make it worse, and would you believe it, they are EXACTLY the same price! $697.99.

The ZS100 will NOT be available till March 26. Can I wait that long? Seven weeks? Yes, I can, but do I want to.

Wow. This is quite a decision.


Related posts:
++++ Search ‘images’ for other posts
>>>>

++++ Check Category ‘Six Images’ >>>>


by Anura Guruge

High-End Mirrorless Cameras, Year End 2015 — 1st Cut Comparison.

by Anura Guruge


topmirrorless1111

Click to ENLARGE.


I am calling it ‘1st-cut’ BECAUSE it is incomplete. I really had grand plans for this. I wanted to have columns for Image Stabilization (IS), Auto Focus points etc. I ran out of time. Plus the motivation rapidly went south when I came to the realization that I have my heart and mind set on Fuji X-T1 (or T2 if there is going to be one). So it was ‘why spend more time (which I am in such short supply of’ when I already knew what I planned to get.

Plus now with my Sony RX100 II sold (and already more than halfway to California (via USPS)) what I have to do is determine what high-end, mirrorless compact I need to get as my second camera. So I need to put together a spreadsheet for that. But I enjoy it.

Anyway I wanted to share this because some of you will find it useful.


Another comparison I did in November 2015 of the ‘Camera Labs’ point-and-shoot recommendation.


Related posts:
++++ Search ‘images’ for other posts
>>>>

++++ Check Category ‘Six Images’ >>>>


by Anura Guruge

New Hampshire (N.H.) 2015 – 2016 Property Tax Rates: Highest, Lowest & Everything Else.

2015-2016taxesbannerAnura Guruge December 2014 thumbnail
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by Anura Guruge


Related posts:
1/
N.H. 2014 – 2015 tax rates — Dec. 5, 2015.
2/ N.H. 2013 – 2014 tax rates — Nov., 2013.

3/ N.H. 2012 – 2013 tax rates — Nov., 2012.

++++ Search on ‘tax’ for other posts >>>>


2017 Rates Now Available.

New Hampshire property tax rates Anura Guruge


For 2015 – 2016 I am JUST going to do this ONE post and update it as more and more towns report.

Previous years I did a post each time there was a fresh batch of data. Given that people find these posts, in the main, via search engines they would invariably end up at an out-of-date post.

Hence this approach. So ideally anybody and everybody looking for 2015 – 2016 New Hampshire property tax information will always end up at this post. OK? Clear? Thanks.


As of December 12, 2015, 238 towns have published their 2015 – 2016 Property Tax Rates. (As always I have excluded the (exotic) N.H. Townships, Grants, Locations, and Purchases, e.g., Bean’s Grant, Bean’s Purchase, Cambridge, Atkinson and Gilmanton Academy Grant, Dix’s Grant etc. Wikipedia has a list of all these N.H. ‘exotics’. I exclude them because they typically do not have a bona fide tax.)

I consider 229(+) towns as our ‘full house’. So at 238 is GOOD.


PLEASE note that these property tax rates in isolation are MEANINGLESS unless you also factor in the relative property values of the towns. Please read this post. Click image on right to ENLARGE.

All the data used from the NH Department of Revenue Administration Tax ‘page’.
For 2015 – 2016 they have a new Website. The data provided and the format is a bit different.
They have included a ‘dashboard’ to try and make it easier IF you understand their lingo.

Click here to access the official N.H. Website page.


2015 – 2016 New Hampshire Property Tax Rates

December 12, 2015.

238 Towns Reporting — that is close to a ‘Full House

The following table also shows, to the RIGHT, the 2014-2015 tax rate and the CHANGE.

Click on images to ENLARGE (7 images).

pt2016apt2016bpt2016cpt2016dpt2016ept2016fpt2016g


To obtain above list as a small, clean (& safe) PDF
click here or on icon below.

pdficon


Highest Tax Rate
(Top 15)

pt2016highest

Click to ENLARGE.


Lowest Tax Rate
(Bottom 15)

pt2016lowest

Click to ENLARGE.


‘Jet.com’ Is Up & Running: Sure The Prices Are Discounted, But Selection Limited & A $35 Cap On Free Shipping.

.jetbannerAnura Guruge December 2014 thumbnail
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by Anura Guruge



Related posts:
++ I sign up for ‘Jet.com’.
** Amazon ‘Prime Day’

++++ Search on ‘Amazon’ for other related posts >>>>


Well, just past midnight, with another chapter of the latest book done and dusted I decided to check whether ‘Jet.com‘ was online — as it was supposed to be.

It was. Though I had not received my promised e-mail giving me 3-months free membership that offer was available to all — as an introductory inducement. Jet interests me on multiple fronts. We buy a fair amount of stuff from Amazon. At a minimum we get 3 deliveries a month from Amazon, and often 3 deliveries a week. So if I can really save 10% to 15% that could start adding up. Plus I own a couple of shares of Amazon (here and there) and I write a LOT of Amazon options — and I mean A LOT! So anything that can influence AMZN stock prices has my undivided attention.

I started by checking on cameras since that would give me a true oranges-to-oranges comparison. First thing I discovered and I suspected that this would be the case. Selection is VERY LIMITED. Very limited. So that is a bummer. Unless this gets better Jet will never really challenge AMZN.

So lets start with this Fuji camera.

jetfuji

It is $799 with Prime at Amazon & $798 .95 (with free shipping) at Buydig.com. That is one heck of a SERIOUS discount — and in this case they don’t even show the Amazon equivalent. This could make a difference. If I am buying a $800 camera a $47 discount CANNOT be sneezed at.

So here is another, this one having the comparison pre-listed to make it easy.

jetolympus
$23.94 off a $399 camera. A 6% discount. NOT the 10% to 15% promised BUT $23.94 is worth saving.

And then this and I am in the market for one of these (to store all the pictures that we take with about 6 different devices in ONE PLACE).

jetwd
That they only carry, as yet, a limited selection of products is a definite drawback. But they will be definite bad news for Buydig.com. I feel bad for them since they try hard.

Well over the coming weeks I will always check Jet before I buy anything from Amazon. But as an AMZN shareholder I am not too worried right this minute. That could change. Amazon might start discounting their products!


NOIEX, ‘Northern Income Equity Fund’: May 2015 0.045399 Dividend Is Largest Non-December Distribution Since August 2014.

.Anura Guruge December 2014 thumbnail
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by Anura Guruge


Related posts:
1/
NOIEX: Income is an oxymoron.
2/
NOIEX: light on income.
3/
Puny Jan. 2015 distribution.
4/
NOIEX: flat after Dec. distribution.

5/ NOIEX: Huge 2014 distribution.

a/ Sticking with BJBHX till 2015.

++++ Search ‘BJBHX’, ‘IPO’, ‘stock’ etc. for other related posts >>>>


noiexmay2015sasdad

Click to ENLARGE and read.


noiexmayhistirsaas

Click to ENLARGE and read. From Yahoo Finance. NOIEX distributions over the last ‘2 years’.


May’s 0.045399 was ‘about time’. NOIEX since its HUGE December 2014 distribution had been very light on the dividends. That the May dividend was 10 x that of April was telling.

But I am no longer convinced. I think NOIEX is struggling and that I have had it with it. I had meant to dump it BEFORE the May distributions. But with the book, the Jag and the trip to Arizona life has been a bit hectic — and as such, inexcusably, I have not spend as much time as I should working on my investments. Well, I will have to put that right.

So, this is just another heads up on NOIEX.


NOIEX, ‘Northern Income Equity Fund’: The ‘Income’ Part Is Becoming An Oxymoron.

.Anura Guruge December 2014 thumbnail
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by Anura Guruge


Related posts:tiny
1/
NOIEX: light on income.
2/
Puny Jan. 2015 distribution.
3/
NOIEX: flat after Dec. distribution.

4/
NOIEX: post huge distribution.
5/ NOIEX: Huge 2014 distribution.

a/ Sticking with BJBHX till 2015.

++++ Search ‘BJBHX’, ‘IPO’, ‘stock’ etc. for other related posts >>>>


Click to ENLARGE.

Following all of my coverage of NOIEX in December 2014, when we had that unprecedented and uncalled for $3.987 dividend, this blog has become a regular destination for those seeking genuine incisive information on this now moribund fund. So this is another post to keep you posted.

The April 2015 distribution, at $0.00446 per share, was, yet again, on the low side. 64% below the April 2014 distribution.

To help us all out I created this comparison chart. It, as you can see, is not that conclusive. I, however, continue to feel that NOIEX, post-December 2014, seems to be skimping on the dividends. For a fund that has ‘income’ in its name this seems incongruous.

But, to be fair, its overall performance is still fair. Not stellar, but it is hanging in there. Check out this from MarketWatch. The December ex-DIV NAV was $12.57. It has been up as much as $13.09. YOU definitely should keep a close eye on it. NOIEX is no longer a fund that you could buy and forget about — in the belief that it will quietly keep on doing what it should, i.e., doing reasonably well and generating some income. It definitely appears to have lost some steam if not its way. I am not ready to ditch it yet. It has served me well for a number of years. But, I check its performance rather carefully of late. OK? Hope this helped. If nothing else you won’t find this dividend comparison chart, in this easy to follow format, anywhere else. Enjoy.

Click to ENLARGE and read. From marketwatch.com.