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Re: Definition of financial independence?

I'm OK with the OP's found definition. Here is mine: when my wife stops nagging me why I'm buying xyz? This bugs me since I had already run FireCalc and other tools. They convinced me that I need to spend 200% of our current budget to make a small dent. :oops: The other definition is "I only ha...
by htdrag11
Wed Mar 25, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4758

Re: Scottrade

By consolidating, I also avoid the annual "value-added" call from Scottrade.
by htdrag11
Wed Mar 25, 2015 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade
Replies: 5
Views: 460

Re: Scottrade

I just rolled over my "orphaned" Scottrade account over to Vanguard Voyager Select at $2/trade but I rarely use it for stocks, just Vanguard ETFs which are free.

I can count the number of stocks in my portfolio on one hand now, about the same as ETFs. Less is more :D .
by htdrag11
Wed Mar 25, 2015 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scottrade
Replies: 5
Views: 460

Re: Laptop: Windows based vs. Apple

Guess I'm agnostic. I've a used Dell Win7 XPS laptop that I dualboot with Ubuntu, a Win8.1 HP Stream 13 laptop strictly for financial transactions, and a hand-me-down MBP for fun. My phone is Android based (I'm cheap) and a Samsung Pro Tablet 10.1 (16x10); wife has an iPad Air (4x3). She used to mak...
by htdrag11
Tue Mar 24, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5640

Re: Quitting my job to become a consultant -- foolish?

Since you loathe the politics and ladder-climbing, that is another plus going the consulting route. Full disclosure, I took early retirement around 45-46 with full retirement benefits and a 7-figure net worth, practically debt free, so it was an easy decision to go the consulting route. I've also be...
by htdrag11
Sun Mar 22, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting my job to become a consultant -- foolish?
Replies: 11
Views: 2008

Re: Read WSJ every day ?

That was 5-10 years ago; did not miss it much. Ditto for Barron's; quality continues going down since Alan Abelson passed away.
by htdrag11
Sun Mar 22, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 101
Views: 6740

Re: How Do You Watch Television?

I shredded my cable services. Yet another category?
by htdrag11
Sun Mar 22, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 76
Views: 4713

Re: External Hard Drive?

I have used WD, Seagate and Toshiba. WD seems to give me a slightly faster copy rate than the others though none failed yet. Through the years, I kept on upping the storage from .5. 1.0 2.0 (USB powered) to now 4TB (ac powered) drives. For most documents/pictures, 1 or 2 TB is all you need. I do not...
by htdrag11
Sun Mar 22, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2289

Re: Convince a Newly Converted Boglehead to sell AAPL shares

5% of my holding is in AAPL; some were bought after the internet bubble. Unlike the "typical" Bogleheads, I'm still at 70-30 stocks vs. bonds since I retired and not about to change in the next 5-10 years. My w/d rate is less than 2%, not even touching my SS yet. I sleep fine at night, my ...
by htdrag11
Sun Mar 22, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 1933

Re: Google voice

No downside for me, with the exception that I dropped my VOIP with cable so my alarm company wants to charge me more for their wireless monitoring service. I dropped them too and chose a cheaper provider.

As someone pointed out, I use it with Google Hangout in tandem.
by htdrag11
Sat Mar 21, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4185

Re: What Movie Have You Recently Watched?

Warriors of the Rainbow: Seediq Bale 2011 from Taiwan covers the Wushe "Incident" (more like ethnic cleansing), with gorgeous cinematography. It's pretty graphic so this is not family entertainment.

http://www.imdb.com/title/tt2007993/?ref_=rvi_tt
by htdrag11
Sat Mar 21, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85341

Re: Anyone dropping Kaspersky computer security?

Well, I did do something stupid so Norton saved my neck. Before then I only have MSE and EMET. Cost me $35 for 3 licenses. My DoD friends advised me against buying Russian stuff.

I'm now running dualboot on my Win7 laptop with Ubuntu. The other laptop is Win8. It's cheap insurance.
by htdrag11
Fri Mar 20, 2015 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3003

Re: What's a good digital antenna?

It depends. We live on a hill with little obstructions. For myself, I'm 35 miles from NYC and 60 miles from Philly, so I needed the amplified version of the Ultimate Mohu Leaf. Wife is OK with it since it blends very nicely into the wall. white-on-white. I need it for my NFL fix. In metro area like ...
by htdrag11
Fri Mar 20, 2015 8:18 am
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2083

Re: RSU Vesting and Exercising

Thanks for all the replies. I'm waiting for more clarification. Rob, I do recalled that it's not cliff vesting. Afty, Agreed. "You would receive the number of shares that corresponds to $X on the date the stock was granted (your hire date)", so it would be 2016, then there is no need to wo...
by htdrag11
Wed Mar 18, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: RSU Vesting and Exercising
Replies: 6
Views: 546

RSU Vesting and Exercising

On an offered letter, it was stated that $10,000 worth of RSUs with a 4-year vesting schedule will be granted. My questions are; 1. Is $2,500 given at the end of the fiscal/calendar year or hiring anniversary, in general? 2. I understand that the $2,500 will be treated as ordinary income each year, ...
by htdrag11
Tue Mar 17, 2015 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: RSU Vesting and Exercising
Replies: 6
Views: 546

Re: Can you quantify how Bogleheads has helped you?

There are too many to name, but here are two big ones (quantitative and qualitative): - moved one portfolio to Vanguard and manage myself; saves at least $5,000/annually. - stop trading activities to a drip, making end of year tax filing a non-event that is PRICELESS. :mrgreen: Ever since I've been ...
by htdrag11
Sun Mar 15, 2015 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2011

Re: If I Knew Then What I Know Now

On a dreary and wet Saturday, this brings sunshine and fresh air.

I always told people that "I'm not as smart as you are but not as dumb as you think!"

Cheers to the power of compounding interest and thinking long term! :D
by htdrag11
Sat Mar 14, 2015 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7268

Re: Slate Article: Dream on Babyboomers-Semiretirement is a

Here is a different view about a HUGE problem coming down the pipe:

Wall Street Has Its Eyes on Millennials' $30 Trillion Inheritance

http://finance.yahoo.com/news/wall-stre ... 37160.html

Where are these $30 trillions coming from, the 1%? :mrgreen:
by htdrag11
Tue Mar 10, 2015 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Slate Article: Dream on Babyboomers-Semiretirement is a Myth
Replies: 20
Views: 2884

Re: Slate Article: Dream on Babyboomers-Semiretirement is a

None plan to fail, most failed to plan.

I do agree that age discrimination is real (over 60 for me - my LinkedIn profile picture tells the story). Politicians could pass legislation, but how do you enforce? :oops:

Guess I must be living in la-la land. :P
by htdrag11
Tue Mar 10, 2015 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Slate Article: Dream on Babyboomers-Semiretirement is a Myth
Replies: 20
Views: 2884

Re: Is Yahoo Mail working very slowly???

Like Toons, my primary email is gmail. Found Yahoo has too many sponsor links and generally slower than gmail.

My OS is Win7, running on Chrome. My storage limit of 1TB has 65% space left, so I got lots of stuff here. :oops:
by htdrag11
Tue Mar 03, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1358

Re: LiveWatch Alarm System -anyone?

We've had LiveWatch for about 2 years now with no complaints. I believe the actual monitoring goes though alarm.com. They had a deal with the base Simon XT (not the XTi) plus a motion and two door sensors back then. We pay around $30/mo which includes cellular monitoring. We've never had an inciden...
by htdrag11
Mon Mar 02, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

Re: LiveWatch Alarm System -anyone?

Here is another one. For the entry level, I'm leaning toward LiveWatch/SafeMart since I've a smart phone. http://securitygem.com/simplisafe-vs-safemart-home-security-review/ Here is a not so good review on SimpliSafe but preferred LiveWatch: http://www.bestsecuritycompany.com/security-company/simpli...
by htdrag11
Sun Mar 01, 2015 3:20 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

Re: Honda fit vs VW GTI

Lease a GTI but buy a Fit, from a former BMW/MB/Saab/VW owner now driving a boring Lexus. :oops:
by htdrag11
Sun Mar 01, 2015 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Honda fit vs VW GTI
Replies: 54
Views: 3954

Re: LiveWatch Alarm System -anyone?

by htdrag11
Sat Feb 28, 2015 11:22 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

Re: LiveWatch Alarm System -anyone?

Frontpoint is $35/month, above my threshold.
by htdrag11
Sat Feb 28, 2015 11:20 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

Re: LiveWatch Alarm System -anyone?

Despite mostly positive reviews, there was one disturbing one I read posted on July 18 2013 on Amazon with the title of "Promising but did not deliver" - 2 stars. However, I could be convinced. The other high ranking one is Frontpoint that I would be checking. This site puts both of them h...
by htdrag11
Sat Feb 28, 2015 11:19 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

LiveWatch Alarm System -anyone?

Slowly shredding the cord so I dropped my phone service from my cable company and went with Obitalk. I ended up also dropping ADT after 15 years when they wanted me to sign a 3-year contract and raised the price to support cellular monitoring. I do not have a dog, a gun or a Fake TV. Not sure if the...
by htdrag11
Sat Feb 28, 2015 8:28 pm
 
Forum: Personal Consumer Issues
Topic: LiveWatch Alarm System -anyone?
Replies: 9
Views: 771

Re: Is a generator worth it?

It depends.

I live in an area with well water, so when there is no electricity during Sandy, it was a hellish week. If we had city water, then I could do without spending $7k for insurance.

After 2 years, we are hardly out of power, but wife is happy every time she flushes.
by htdrag11
Thu Feb 26, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5514

Re: What is your favorite consumer product?

investor1 wrote:The internet.


+1 :happy
by htdrag11
Mon Feb 23, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11214

Re: TDAmeritrade Forms 1099 Late

Got mine yesterday. Vanguard was last week.
by htdrag11
Thu Feb 19, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1811

Re: help me buy a tablet

I've a 2014 Samsung Pro 10.1 Tablet 16gb while my wife has an iPad Air. The only downside is that the Samsung has a lot of bloatware so I bought a SanDisk 32gb microSD card. The resolution and letterbox (16x9 or 16x10) are part of my decision making, coming from a home theater environment; iPad is 4...
by htdrag11
Thu Feb 19, 2015 5:16 pm
 
Forum: Personal Consumer Issues
Topic: help me buy a tablet
Replies: 15
Views: 803

Re: Pick Out My New TV For Me

Think outside the "box", get this one for under $700: http://www.amazon.com/BenQ-W1070-1080P-Theater-Projector/dp/B00A2T6X0K The picture size is 10' - 12'; you could even watch it with some light on in the day time. Full disclosure, this is my back up projector to watch anything but sci-fi...
by htdrag11
Mon Feb 16, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2173

Re: Recommend a movie for a lonely Boglehead on Valentine's

nisiprius wrote:Wall-E.


YES! My wife could not understand why I'm into robot-love. :mrgreen:

It is one of my favorite Pixar movies, next to Casablanca.
by htdrag11
Mon Feb 16, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4687

Re: New Lexus NX Not an Economy Bargain

I saw the NX when getting an oil change on my 2012 RX350 that runs on regular gas; found the front facade way too aggressive for my taste. A 2016 Totota RAV4 with a 4-cylinder engine also gets 22 mpg in the city but on regular gas, no turbo. Price of the new RAV4 has also gone north to $30k and up. ...
by htdrag11
Sun Feb 15, 2015 6:57 pm
 
Forum: Personal Consumer Issues
Topic: New Lexus NX Not an Economy Bargain
Replies: 38
Views: 3139

Re: Wall Street Journal vs. White Coat Investor

"The truth must be repeated over again and again because lies are constantly being told around it." -- Rick Ferri quoting Van Goethe

My favorite quote from Fox Mulder: "The truths are out there, but so are the lies." In this case, most of them are lies.
by htdrag11
Mon Feb 09, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Journal vs. White Coat Investor
Replies: 28
Views: 4636

Re: H&R Block Tax Software - Low Prices at Amazon

The good news is that I could import my old TurboTax data, but the bad news is no TD Ameritrade; Vanguard and Fidelity are fine.
by htdrag11
Tue Feb 03, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 40
Views: 3256

Re: H&R Block Tax Software - Low Prices at Amazon

Got my H&R Block Deluxe and State download with a 40% off from slickdeals.net, so it's about $27 plus tax.
by htdrag11
Tue Feb 03, 2015 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software - Low Prices at Amazon
Replies: 40
Views: 3256

Re: Taxact ultimate version $6

I tried it twice with 2 different ID's but still shows up as $17.99?

Bummer!
by htdrag11
Thu Jan 15, 2015 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3054

Re: What Book Are You Currently Reading? Part VI

2 books:

The Bogleheads' Guide to Retirement Planning

and Gone Girl, after watching the movie. It's a black comedy. Makes my marriage almost perfect. :D
by htdrag11
Mon Jan 05, 2015 9:18 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 553
Views: 76279

Re: What Movie Have You Recently Watched?

I'm considering going to see "The Interview" in one of the select theaters it will be showing in on Christmas. Anyone else have any Christmas movie plans? Try to watch it last night but Google/Youtube (same with MS Xbox users) did not provide enough buffering or capacity, got "licens...
by htdrag11
Thu Dec 25, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85341

Re: Wealth management plan

Very enlightening.

I like the 5 P's and 4 Risks.


Thanks.
by htdrag11
Thu Dec 25, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Wealth management plan
Replies: 3
Views: 1379

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Even better.

I thought that the Gross and Miscellaneous fees are additive, so it's 0.18 indeed.

Regardless, after my vesting period coming October 2015, I'll consolidate this with my main Vanguard Rollover IRA.

Thanks.
by htdrag11
Wed Dec 24, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3614

Re: What Movie Have You Recently Watched?

Finally caught The Right Stuff. Those Flyboys/astronauts are amazing, sort of like race car drivers with a college degree. It was rather long so I watched it over 2 nights. Though Alan Yeager/Sam Shepard was not an astronaut but he broke the sound barrier; I like his character in the movie as well a...
by htdrag11
Tue Dec 23, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85341

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Thanks for the clarification.

BTW, I was the one who instigated the push to change from the more expensive Smith Barney. Everything there was about 1% or higher, so Voya is an improvement.
by htdrag11
Tue Dec 23, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3614

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

Ahem.

Here is what I saw:

Gross Prosp Exp Ratio 0.18% of fund assets
Net Prosp Exp Ratio 0.18% of fund assets
Management Fee 0.00%
12b-1 Fee .
Other Fee .
Miscellaneous Fee(s) 0.18%

That is still 0.36. Is my math correct?
by htdrag11
Mon Dec 22, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3614

Re: Voya 401(k)'s insanely high ER's on Vanguard funds

My firm just switched from Smith Barney to Voya. Though not invested in 2045, the Voya pdf on this fund said 0.18. Where did you see the 0.83? That is a pretty hefty cut for Voya.

Personally I chose both the Vanguard Total Stock Index and their Bond funds only.
by htdrag11
Mon Dec 22, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voya 401(k)'s insanely high ER's on Vanguard funds
Replies: 30
Views: 3614

Re: TV buying recommendations

Gave away our 42" Panny 720p plasma and upgraded to a 50" 1080p plasma last year, knowing that plasma is losing like Betamax to VHS. LED TV is a successful marketing term for LCD TV. My BIL has both a 65" and a 50" Samsung; neither is watchable to me, unless you sit in front of t...
by htdrag11
Sun Nov 30, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3286

Re: New car purchase- "documentation fee" and "registration

Besides fees, extended warranty or tire/pot hole/nail warranty could also be negotiated.
by htdrag11
Thu Nov 13, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2999

Re: If your networth is over $3 million, how did you do it?

Here is something else. The stock market has had an annual average return of about 20% since around March 2009. That means that a working family with a portfolio of $1.5 million or so, should have a portfolio now worth around $3 million if they continued another 5 years of maximum contributions to ...
by htdrag11
Tue Nov 11, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 314
Views: 51157

Re: What Movie Have You Recently Watched?

Broke my record this year.

Just saw Interstellar in IMAX, well worth the money. As an indicator of the length of the movie, there was a line to the men's room afterward. I enjoyed this one more than last year's Gravity.
by htdrag11
Sat Nov 08, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 654
Views: 85341
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