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Re: Unlimited cell plans dropping in price?

If all you want is talk and text, Tmobile has 2 plans you can get online with a new SIM (so you'll need to transfer your number to the SIM). 1 . Unlimited data (though face it, there are limits) and text plus 100m talk = $30 2. Unlimited talk/text plus some small amount of data = $30. There is no co...
by sdrone
Thu Aug 21, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3303

Re: Deck - Best Method of Treatment

As someone above said, Consumer Reports recommended Flud (Flood? I can't remember) products until the last year or so. They now recommend BEhr products. I've used both and been happy with the results. Wood will still dry out when it gets a ton of sun, though you can help that by applying more often....
by sdrone
Mon Aug 18, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 15
Views: 1017

Re: Google Voice - ring lag problem

I'd rather be using H2O Wireless than Consumer Cellular because it's cheaper. But it seems I'm locked into CC since my GV numbers is my main phone number. Unfortunately there is often a tradeoff in quality for lower price. You're not locked in to CC; you're locked in to what you're willing to pay f...
by sdrone
Sat Aug 16, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 9
Views: 1172

Re: Why would a passive investor use ETFs?

1. The purchase/sale cost of a Vanguard mutual fund is higher than the equivalent of a Vanguard ETF in the accounts where I make my yearly rebalancing changes. Sure, it might be $5 but cash is cash. 2. NOt that it really matters for the future as I've better defined my buy and hold rules, but in 200...
by sdrone
Fri Aug 15, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 3778

Re: Maxing roth 401k vs trad 401k in high income tax bracket

I use the Roth though SC taxes are lower than CA. I'm saving more than I would the other way... Harry How are you saving more in the Roth than in a traditional 401k? Am I missing something here? You'd have to contribute significantly more after tax money and take a bite out of your paycheck to save...
by sdrone
Thu Aug 07, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Maxing roth 401k vs trad 401k in high income tax bracket
Replies: 13
Views: 1253

Re: Peak Money Market Fund Yields in 1981-82

My dad was a farmer; he always did almost everything in cash. Times were tough at that time, and he was making extra money in the winter working for some type of accounting service doing work on farm loans. He was not happy about it, as you can imagine, but times were pretty tough. IIRC there were a...
by sdrone
Wed Aug 06, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1705

Re: Your advice, ethical dilemma - job interview.

"answers were biased towards giving a positive evaluation of something that this office does" WElcome to every internal survey every Fortune 500 company ever does. They don't want to know that a large portion of the company no longer likes their jobs; they want to know that they've positio...
by sdrone
Fri May 23, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your advice, ethical dilemma - job interview.
Replies: 30
Views: 2473

Re: I need a rock solid exposition of Permanent Life Insuran

Hey, sounds like the old variable universal life insurance policy is back! These were somewhat popular among wealthy people a decade or so ago, but haven't heard much from them since. The idea was that you would buy a large insurance policy and use it to "stash cash" in the form of large p...
by sdrone
Fri May 23, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: I need a rock solid exposition of Permanent Life Insurance
Replies: 13
Views: 1118

Re: Squirrels ate through sceen, plastic & wood to get bird

1. Squirrels will do mass suicide charges through hails of machine gun fire to get to sunflower seeds. 2. The way to stop that is to store the seed in a metal garbage can or container that is not easy to open, whether because it latches or because it just fits tight. I finally found a birdfeeder at ...
by sdrone
Mon May 12, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Squirrels ate through sceen, plastic & wood to get bird feed
Replies: 37
Views: 2148

Re: New homeowner: lawn care advice

Consumer Reports' favorite leaf blower is always the Toro Ultra . It has a metal impeller, and you can reverse it to use as a vacuum to shred leaves. Unfortunately, Home Depot just raised their price by $5. I picked up one a few months ago and I like it. Instant on, no more fighting the thing trying...
by sdrone
Mon Apr 14, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26673

Re: HSA vs. Regular Plan--two very good choices

ARe you staying with this employer forever?

The minute you leave, the HSA starts hitting you with monthly fees, if they don't already. My new employer has an HSA plan, and I talked to the former employer HSA people about moving my money to the new HSA. They got a good laugh out of that.
by sdrone
Mon Feb 24, 2014 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA vs. Regular Plan--two very good choices
Replies: 18
Views: 1173

Re: Switch from TW to DirecTV & killed on receiver fees?

I dropped comcast TV a few years ago. I had negotiated a big discount after the financial crisis. That lasted several years, though I never signed the contract that sent me. Once that stopped and the prices I had went back up, I was not able to negotiate lower prices, and I noticed that their deals ...
by sdrone
Sun Feb 23, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Switch from TW to DirecTV & killed on receiver fees?
Replies: 18
Views: 2227

Re: Where to put extra money?

If you've got your financial house in order, there's no real reason not to consider dialing up the risk a bit with cash beyond your emergency funds. Consider the fact that you don't have a lot of debt, and you DO have your emergency savings ($24k) taken care of. What that means is that, yes, it's po...
by sdrone
Tue Feb 04, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2666

Re: How do I start a forum?

Note - One of the Google sites templates has forum area it. You might want to play with that for 30m, see how it works.
by sdrone
Mon Jan 20, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: How do I start a forum?
Replies: 28
Views: 2377

Re: Problem using Google Voice with Consumer Cellular

Why did you contact Consumer Cellular? They do not run google voice, nor do they control anything about the google voice application or settings. If Google won't let you select that number, that's a google problem. Can you use the google voice app on your phone to call outbound? There are telecoms y...
by sdrone
Mon Jan 13, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Problem using Google Voice with Consumer Cellular
Replies: 9
Views: 726

Re: To Be or Not To Be: Orthodox or Unorthodox Asset Allocat

"an unorthodox 4-fund index 30/70 portfolio (10% small-cap value, 10% REIT, 10% emerging market and 70% 5-yr treasuries"

Thanks for the portfolio idea. I love plugging this stuff into spreadsheets and playing with the results.
by sdrone
Tue Dec 10, 2013 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: To Be or Not To Be: Orthodox or Unorthodox Asset Allocation
Replies: 14
Views: 1502

Re: Best way to collect rent?

Fyi I think a lot of people use those Amex Bluebird accounts available at Walmart for stuff like this.
by sdrone
Sun Sep 29, 2013 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Best way to collect rent?
Replies: 23
Views: 2015

Re: New baby: Do I need a will?

OK, so it's not like I create a trust now and transfer assets to it (though some people have phrased it that way to me). The trust is created when either I or my wife or both die. At that point, assets are transferred to the trust, which becomes "the estate." Then what, I'd have the person...
by sdrone
Mon Sep 09, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby: Do I need a will?
Replies: 43
Views: 2895

Re: New baby: Do I need a will?

fyi - food in a freezer will defrost/melt during a fire. That could be due to temp outside the freezer, but I'd want to verify that freezers are fireproof before using that method. the gaskets are rubber and could obviously melt/lose seal.
by sdrone
Mon Sep 09, 2013 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby: Do I need a will?
Replies: 43
Views: 2895

Re: New baby: Do I need a will?

Can someone give me a common sense answer to this question? I haven't been able to really grasp this. IF I have a will and.... 1. I can specify that my wife gets my stuff 2. I can specify how, if my wife is dead, my assets are split up between my children 3. I can specify a guardian for my underage ...
by sdrone
Mon Sep 09, 2013 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby: Do I need a will?
Replies: 43
Views: 2895

Re: Tennis racket recommendation for beginner (tennis elbow)

All the rackets I've tried have been light with oversized heads boasting power - which I found out on the internet were exactly the kind that may cause tennis elbow. You've only recently taken up tennis. Why are you blaming the racket for your elbow pain? "light with oversized heads boosting p...
by sdrone
Sun Sep 08, 2013 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Tennis racket recommendation for beginner (tennis elbow)
Replies: 27
Views: 2742

Re: Dividend, growth investment strategy

I'm glad someone mentioned VIG. I've thought about using VIG instead of VTI a couple of times in the last several years; one of the main reasons is that it dropped LESS than VTI in 2008. 2008 is always in the back of my mind. HOWEVER, a couple of things my research showed me: 1. It dropped less than...
by sdrone
Sun Sep 08, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend, growth investment strategy
Replies: 97
Views: 7756

Re: Why Can't I Bring Myself to Buy Me a Nice Watch?

Just a note - I know several people who enjoy watch shopping on ebay. the cost savings can be significant.
by sdrone
Sun Jun 02, 2013 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Why Can't I Bring Myself to Buy Me a Nice Watch?
Replies: 193
Views: 13748

Re: Best way to mulch yard?

This is the Bogleheads forum, so let's get this out there. If you're the type to watch your expense ratios, then you shouldn't be the type to buy Scott's mulch. 1. Decide what you want to do with the mulch. Is it for looks? Is it for soil amendment? Is it for mixing with other things to grow stuff i...
by sdrone
Sat Mar 16, 2013 12:32 am
 
Forum: Personal Consumer Issues
Topic: Best way to mulch yard?
Replies: 26
Views: 2403

Re: Updated figures and results on slice and dice vs TSM

Hmmm - thanks, I'll go through there again. Maybe I'm misunderstanding what the thread topic was.
by sdrone
Mon Mar 11, 2013 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 39460

Re: Updated figures and results on slice and dice vs TSM

I'm glad this post was replied to so that it popped up - I was not aware of it.

I've seen a couple of references to a thread on "TrevH's simplied slice and dice portfolio" using TSM and SV. My google foo seems to be failing - does anyone have a link handy to that thread?
by sdrone
Mon Mar 11, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 39460

Re: Replacement wireless mouse

I like my Logitech M305. It's small, but not so small that it doesn't fit my hand. Uses 1 AA battery that lasts several months. Usually about $15 at Target. It can withstand drops and the occasional toss against a wall.

It may have been replaced by the M310, which is $20 or under.
by sdrone
Wed Feb 27, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Replacement wireless mouse
Replies: 18
Views: 1350

Re: looking for best prepaid cell phone and carrier

One of these days I have to sit down and figure out the best plan for my wife and I. She needs maybe 20m of talk time per month. I need about 300 to 400m talk per month, and something like 200m of data per month. I currently have Tmobile and really like both the service and my phone. I think I I can...
by sdrone
Fri Feb 22, 2013 5:05 pm
 
Forum: Personal Consumer Issues
Topic: looking for best prepaid cell phone and carrier
Replies: 5
Views: 1231

Re: Phone replaces computer

Every year or 2 I try to get rid of one of the computers in my office at home (1 for me that's powerful enough to run games, 1 for my wife that's usually my old one) and replace it with something simpler. I keep running into the things I can't do. 1. Almost anything with a spreadsheet. 2. Any seriou...
by sdrone
Wed Feb 20, 2013 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Phone replaces computer
Replies: 21
Views: 1902

Re: Dividend-paying stocks in VTI and VXUS?

dbr wrote:It doesn't follow from this that stocks that don't pay dividends don't have good returns.


Neither I nor the original poster suggested this.
by sdrone
Tue Feb 19, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend-paying stocks in VTI and VXUS?
Replies: 13
Views: 1538

Re: Why [do] people have 2 IRAs.

heh. This is kind of like someone growing up in the 90s and thinking stocks always go up!

Roth IRAs were introduced by the Tax Payer Relief Act of 1997. I think I had 2 401k rollovers by then.
by sdrone
Tue Feb 19, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why [do] people have 2 IRAs.
Replies: 33
Views: 3012

Re: Dividend-paying stocks in VTI and VXUS?

The gospel of dividend-paying stocks is Just Another Stock-picking Theory. Weeeeeeellll, except that I'm guessing your chart is total return, with dividends re-invested. And don't get me wrong - I love charts! Been a while since I read this, but I believe something like half the returns of the S&am...
by sdrone
Mon Feb 18, 2013 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend-paying stocks in VTI and VXUS?
Replies: 13
Views: 1538

Re: Tilting to SmallCapValue & IntlSmall...Thoughts?

Snowskier - I like it. That's essentially what I do now, minus the REIT allocation. I'm comfortable with it, and I think long term it will give me a better return with acceptable risk compared to the straight 3 fund portfolio.
by sdrone
Mon Feb 18, 2013 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilting to SmallCapValue & IntlSmall...Thoughts?
Replies: 18
Views: 1448

Re: How to steal a domain name

That's odd. I don't use my Yahoo email account for years at a time, and it's always there when I login. But to be honest, it wasn't stolen. If something expires without your renewal........
by sdrone
Sat Feb 16, 2013 4:49 pm
 
Forum: Personal Consumer Issues
Topic: [domain name stolen]
Replies: 11
Views: 1675

Re: WSJ: Why Most Value Investors Will Burn Out

Unfortunately, it's true for me. I drift towards value/smallcap value investing in rising markets (via rebalancing, adding funds), then drift right back to a 3 fund portfolio in falling markets. Though hmm, as I've done portfolio research I think I've usually used Vanguard value funds/ETFs rather th...
by sdrone
Sat Feb 16, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: WSJ: Why Most Value Investors Will Burn Out
Replies: 48
Views: 6930

Re: S&P 600 and Tilts

3. 40% TSM, 60% S&P 600 Value has about a 0.35 sensitivity to size and value -- a nice balance. About a 2% higher-than-market expected return, which positions you to generate greater wealth, or hold less in stocks (and more in bonds) yet sill earn a similar return as TSM, and provide you some s...
by sdrone
Sat Feb 16, 2013 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: how much tilted is 'a little' or 'a lot'?
Replies: 18
Views: 1225

Re: Can a Frugal Boglehead date and marry a non Boglehead?

Absolutely. Now, my wife is not a big spender; we both spend within our means. But she will not, no matter how much I work it, take input from me on her investments. She's a stay at home mom now, but still has a 401k and stock account from pre-marriage, and we contribute to a Roth IRA for her. The f...
by sdrone
Tue Feb 12, 2013 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Can a Frugal Boglehead date and marry a non Boglehead?
Replies: 34
Views: 4239

Re: Ditch whole life insurance?

A plain old stock index fund in a taxable account is very tax-friendly. People worry way too much about taxes, and not enough about fees... I'm simply saying that it would be great if I could stash more savings in a cash sheltered investment. Given the choice, I'd love to have the ability to stash ...
by sdrone
Tue Feb 12, 2013 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ditch whole life insurance?
Replies: 20
Views: 1707

Re: Ditch whole life insurance?

It's really too bad there aren't good investment vehicles in this space. I max my tax-avoidance accounts (401k, Roth IRA) and I've got term insurance. I wish there were SOMETHING good in this space to stash more savings in a tax-friendly manner.
by sdrone
Sat Feb 09, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ditch whole life insurance?
Replies: 20
Views: 1707

Re: Breaking the "slice and dice" habit

I find it interesting that you moved your account to Vanguard, instead of simply not listening to the Fidelity rep. now you have a Vanguard rep giving you suggestions, but that doesn't make you happy either. You can do the same Vanguard investments in the Fidelity accounts on the cheap using ETFs. I...
by sdrone
Sat Feb 09, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Breaking the "slice and dice" habit
Replies: 40
Views: 4236

Re: YES OR NO? 'Freebies' or Dollar Cost Averaging?

I'm not sure if it's only for existing investors or new investors, but Sharebuilder is currently handing out $500 just for depositing that amount of money; there are smaller freebies for smaller deposits. Of course, I made my big deposit BEFORE that offer was available. Once you're in Sharebuilder, ...
by sdrone
Sat Jan 26, 2013 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: YES OR NO? 'Freebies' or Dollar Cost Averaging?
Replies: 11
Views: 957

Re: Baseball Cards

You could try selling the sets on Craigslist. I buy mostly that way these days, instead of Ebay.

Hopefully you'll find someone who'll pay more I'm willing to pay!
by sdrone
Fri Jan 25, 2013 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Baseball Cards
Replies: 26
Views: 1883

Re: Google Voice quality?

Google tells me the wifi problem is mostly with the Nexus. And yes, if you don't use wifi for a while, it will cut off to save power.

Yes, the Google Voice app will make calls. You can configure it to ask you for either international calls or all calls.
by sdrone
Fri Jan 18, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 3559

Re: Google Voice quality?

Were you using 3G (or 4G) or WiFi? 3/4G are generally too slow for VoIP. WiFi will work, but Android cuts the power down on WiFi when the screen goes off (at least the phone version does. i'm not 100% sure about the tab version). There is an app to fix that. I dont recall the name. There are also a...
by sdrone
Fri Jan 18, 2013 1:08 am
 
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 3559

Re: Google Voice quality?

The problem isn't with Google voice quality, as much as it's your bandwidth, and is your equipment Quality Of Service Ready. Your network makes the big difference with any voice over IP vendor. VOIP does not need dedicated bandwidth, by definition. That said, a good VOIP connection needs anywhere f...
by sdrone
Thu Jan 17, 2013 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 3559

Re: Google Voice quality?

I've had text messages sent to a friend's Google Voice number take 6-12 hours before showing up on his always connected Android phone with LTE. Something to be aware of! (it has ruined our plans to meet several times..) In theory, Google addressed that a few years ago. I used to have that issue a l...
by sdrone
Thu Jan 17, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 3559

Re: Google Voice quality?

The problem with wireless and voice is not bandwidth. the problem is completely unpredictable latency and packet retries/drops. It's often useful to look at all the points of failure. If you're using wireless, you've got.... Google voice DSL (slower than cable, but perfectly acceptable)\ wireless Gc...
by sdrone
Thu Jan 17, 2013 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice quality?
Replies: 35
Views: 3559

Re: Four-corners portfolio vs TSM/small-value

If I use 10 year returns off Morningstar, and compare SPY/IWD/IJS to VTI, I get 8.55% over the last 10 years vs 7.9%. Interesting. The last 10 years have all been due to small cap value; both SPY and IWD underperformed VTI. Btw, what are you using for int'l value? You know what's going to come of th...
by sdrone
Thu Jan 17, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Four-corners portfolio vs TSM/small-value
Replies: 13
Views: 1353

Re: Would you buy a used laptop?

I like to use work as a beta test site. I look at the laptops we have at work, and then find refurbished ones of the same model. There are companies on Ebay that sell tens of thousands of laptops coming off lease this way - they come already formatted with OS, etc. So, for instance, we use thousands...
by sdrone
Thu Jan 17, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Would you buy a used laptop?
Replies: 20
Views: 1076

Re: Four-corners portfolio vs TSM/small-value

Btw - you use ETFs and your .sig says you have int'l value. Which ETF do you use for int'l value?
by sdrone
Thu Jan 17, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Four-corners portfolio vs TSM/small-value
Replies: 13
Views: 1353
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