Search found 1146 matches

by Cash
Mon Sep 18, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 32
Views: 1670

Re: Convertible in Florida or not...

We live in central Florida, and my wife drives a BMW Z4 hardtop convertible. The hardtop was the only way I would get on board with the purchase due to wind noise, durability, crash safety, etc. It's my wife's daily driver, and I consider it to be a fun little weekend car, but much more fun during t...
by Cash
Mon Sep 18, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1440

Re: Color printer suggestions: high quality output, low cost of ink

Looking at the Amazon most helpful negative review for that printer https://www.amazon.com/gp/customer-reviews/R1CTW2RITLU6FR/ref=cm_cr_arp_d_viewpnt?ie=UTF8&ASIN=B00K5UZP2S#R1CTW2RITLU6FR , any comments on: 2.) Can't do colored text in images well. ... My 12-pt font dark-green text in an image in ...
by Cash
Sun Sep 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Confirmed it's a hardware update . Thanks for the link. I currently have AT&T but am thinking about switching to T-Mobile. According to this video that was linked in the article, it looks like they aren't rolling out 600 mhz to my area until 2020 anyway. By then, I will have upgraded my iPhone X to...
by Cash
Sun Sep 17, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1440

Re: Color printer suggestions: high quality output, low cost of ink

I also recommend a laser color printer. After dealing for years with inkjets and their endless cartridges (and mainly just using a b/w laser to avoid draining the ink), I ponied up for a color laser printer earlier this year. After printing enough to drain a couple of rounds of ink cartridges, my to...
by Cash
Wed Sep 13, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

You can always opt to use a passcode instead. For the record, the FaceID information is stored locally on the device. And your personal data with Equifax is secure. What does that have to do with what I said? If your credit information were stored on your phone and nowhere else, you wouldn't be wor...
by Cash
Wed Sep 13, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

None of these are new. There are a number of phones with glass backs. Almost all new flagship Android phones have edge-to-edge screens, as did some models from last year. The other features you list, enhanced camera features, touch to wake, wireless charging, and enhanced security through FaceID, h...
by Cash
Wed Sep 13, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

I'll quote myself here, I guess the face recognition isn't exactly polished https://www.reuters.com/article/us-apple-iphone/apple-launches-999-iphone-x-in-bid-to-regain-innovation-lead-idUSKCN1BN0LV But in an embarrassing moment for Apple Senior Vice President Craig Federighi, the face ID unlocking...
by Cash
Wed Sep 13, 2017 5:04 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Are there any that are truly important? That's subjective. It's fine to say that there aren't any features that you value over X device. But to assert that there is nothing new is silly. For me, I like the new form factor (finally back to the glass back), edge-to-edge screen, enhanced camera featur...
by Cash
Tue Sep 12, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Here is a nice comparison of the features and prices of the iPhone X vs. other models:

https://www.engadget.com/2017/09/12/iph ... s-iphone7/
by Cash
Tue Sep 12, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

The facial recognition is alarming to privacy. The top of the iPhone X looks bad where the camera is. The 8 looks like a decent improvement. What is going to happen with the iPhone 9? lol How is it more alarming than TouchID? I'm waiting for the security experts to chime in, but Apple says it is mu...
by Cash
Tue Sep 12, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

The Wizard wrote:
Tue Sep 12, 2017 4:35 pm
$1000 is for the base 64 GB iPhone X.
The 256 GB model is more. How much more I don't know...
$1149. https://www.apple.com/shop/buy-iphone/iphone-x
by Cash
Tue Sep 12, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

The facial recognition is alarming to privacy. The top of the iPhone X looks bad where the camera is. The 8 looks like a decent improvement. What is going to happen with the iPhone 9? lol How is it more alarming than TouchID? I'm waiting for the security experts to chime in, but Apple says it is mu...
by Cash
Tue Sep 12, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Are there any that are truly important? That's subjective. It's fine to say that there aren't any features that you value over X device. But to assert that there is nothing new is silly. For me, I like the new form factor (finally back to the glass back), edge-to-edge screen, enhanced camera featur...
by Cash
Tue Sep 12, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15923

Re: Is it really Worth it to brown bag your lunch at work?

To me, this is like the "latte factor." Yet another way people justify sacrificing small things by trying to add up savings and pretending that saved money has been/would be invested for X years at X percent. I look forward to going out to lunch every day with my work buddies. I also enjoy regular l...
by Cash
Tue Sep 12, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

GuitarXM wrote:
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.
by Cash
Tue Sep 12, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Also, the FaceID attempt during the presentation was NOT a fail in the technical sense. It actually worked, but it required a password to enable. However, it was undoubtedly a fail in terms of presentation because it left the impression that it did not work.
by Cash
Tue Sep 12, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14577

Re: Iphone X is $1000

Iphone X is S41/month for 2 years where regular Iphone 8 is $30/month. It will sell no matter what the full price is. Exactly. So the incremental cost is $11/month. More to the point, for a device I use every single day for a minimum of 2 hours = 60 hours per month, works out to be less than 20 cen...
by Cash
Sun Sep 10, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3715

Re: Fidelity Security

I haven't signed up for the voice security as I am not sure whether it is more or less secure than password. It would be more secure if it requires both but I think it is using voice to replace password. You think it would be easier for someone to mimic your voice than to figure out your password?
by Cash
Sat Sep 09, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3715

Re: Fidelity Security

In my view, having a third party administer the code makes things more secure. If someone hacks into Fidelity's system, they will not have access to all of the codes. They would somehow also need to pull the codes from Symantec. It also allows Fidelity to do what it does best and Symantec to do what...
by Cash
Sat Sep 09, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 43
Views: 3715

Re: Fidelity Security

^^ Indeed, the human element is where these security measures usually fail. That said, thanks to the OP for alerting me to this option. I will be downloading it and hope that Fidelity is one of the companies making it harder to bypass security measures by calling in. It seems to work like an RSA tok...
by Cash
Fri Sep 08, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7284

Re: Postal Service -- "informed delivery"

I signed up about a month ago, and e-mails started a few days afterward. I now look forward to the almost daily e-mail around 7:30 a.m.
by Cash
Thu Sep 07, 2017 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 2368

Re: Schwab, Fidelity, or Vanguard for taxable account?

I recently closed my Vanguard accounts and consolidated with Fidelity. According to triceratop's spreadsheet , the iShares total stock market and total international stock market ETFs are more tax efficient (and cheaper) for me than the Vanguard equivalents. The only downside I've encountered is tha...
by Cash
Thu Sep 07, 2017 5:32 am
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 2368

Re: Schwab, Fidelity, or Vanguard for taxable account?

livesoft wrote:
Thu Sep 07, 2017 5:24 am
Is settlement time T+2 (Vanguard) the same at all of them now?
Yes:

"Broker-dealers will be required to comply with the amended rule beginning on Sept. 5, 2017."

https://www.sec.gov/news/press-release/2017-68-0
by Cash
Sun Sep 03, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 59315

Re: Experience selling car to Carmax?

I just took one of our cars to Carmax to have it appraised. I had a certain number in my head, and they actually came back a little bit higher (I was discounting because of a bumper scrape that they didn't really care about). Evidently they now also enter the car info's into Kelley Blue Book and wil...
by Cash
Sat Sep 02, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3175

Re: TaxAct for $13.50

I also got the $13.50 offer on 8/29
by Cash
Sat Aug 26, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 4366

Re: Priorities - Biglaw junior associate

I'm also a former biglaw associate. I'm in the camp with those who advise you to max out all tax-advantaged, then put the rest toward debt reduction. As a second year, you don't know whether you will be able to stay at the firm or want to/have to leave to go to government, in-house, etc. Paying off ...
by Cash
Tue Aug 22, 2017 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Another VT vs. VTI + VXUS question
Replies: 3
Views: 609

Re: Another VT vs. VTI + VXUS question

BusterMcTaco wrote:
Mon Aug 21, 2017 10:38 pm
Not sure if this is still true, but 6 years ago folks were saying VT only holds large caps:
viewtopic.php?t=69616
It's not. http://portfolios.morningstar.com/fund/ ... ture=en_US
by Cash
Tue Aug 22, 2017 5:02 am
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3400

Re: Total World (VT, VTWSX) Tilt? Simplicity...

Well, yes and no. SCV "doing well" means it's outperforming other equity classes. If you hold the total market, any outperformance you get from SCV is canceled out by the relative underperformance of the other equities that you hold. That makes no sense. If SCV rises 10% and the rest of the market ...
by Cash
Mon Aug 21, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3400

Re: Total World (VT, VTWSX) Tilt? Simplicity...

Yeah many of us went down the same road. But the longer I save and invest, the clearer it becomes to me that untilted market returns should be sufficient to meet my retirement goals. Like asset_chaos said, savings rate is more important during the early years. That said, I will probably hang onto th...
by Cash
Mon Aug 21, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3400

Re: Total World (VT, VTWSX) Tilt? Simplicity...

I also use a combination of VT, VBR, and VSS. I think just VT would be fine. But you have to buy into the philosophy behind VT and not get "worried" if/when the U.S. goes below 50%.
by Cash
Mon Aug 21, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 32
Views: 3400

Re: Total World (VT, VTWSX) Tilt? Simplicity...

columbia wrote:
Mon Aug 21, 2017 7:14 pm
One would think that this fund would have enough to warrant an Admiral share. VG website indicates $12.8 billion (which is apparently not enough).
Get the ETF.
by Cash
Sun Aug 20, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals
Replies: 13
Views: 1395

Re: Use of VanguardAdvantage Visa Debit Card at Foreign ATMs for Cash Withdrawals

So TD Bank reimbursed you for fee charged by the bank that you took money from in Canada. I am a bit surprised but good to know. BTW, TD Bank is Canadian company so they may have special arrangements with other banks in Canada. No, this is an advertised feature of a couple of their checking account...
by Cash
Thu Aug 17, 2017 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

The higher credit risk has been mentioned before, but fair point about Illinois specifically. That said, 17.3% doesn't strike me as unreasonable for some yield chasing.
by Cash
Wed Aug 16, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2469

Re: Core position in Fidelity

I use their iPhone app pretty frequently. It's never crashed or frozen...
by Cash
Wed Aug 16, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

I just closed my Vanguard accounts because I wanted to consolidate at Fidelity :).
by Cash
Thu Aug 10, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

No, not splitting hairs. FTABX has a higher yield, but that comes with a longer average duration and higher credit risk than VTEB and MUB. Given my investing time frame, I'm willing to accept that risk, and the higher yield should overcome the ER difference. But I expect a bit more volatility as a r...
by Cash
Thu Aug 10, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

flyersrule, take a look at the wiki articles on reinvesting dividends in a taxable account:

https://www.bogleheads.org/wiki/Reinves ... le_account

and on specific identification of shares:

https://www.bogleheads.org/wiki/Specifi ... _of_shares
by Cash
Wed Aug 09, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

That's my understanding. However, in a taxable account, it leads to lots of tax lots.
by Cash
Tue Aug 01, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Re: Munis at Fidelity: FTABX or VTEB?

My investment timeline is 20+ years, so I'm fine with the higher duration and credit risk. I just wanted to make sure that I wasn't overlooking a better option out there.
by Cash
Mon Jul 31, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Munis at Fidelity: FTABX or VTEB?
Replies: 41
Views: 3120

Munis at Fidelity: FTABX or VTEB?

I'm consolidating my accounts at Fidelity and hold my bonds in taxable, so I'm trying to pick a muni fund. I've narrowed it down to the Fidelity Tax-Free Bond Fund (FTABX) or the Vanguard Tax-Exempt Bond ETF (VTEB). I am leaning toward the former for the longer duration (7.09 v. 5.8 years) and highe...
by Cash
Sun Jul 30, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8389

Re: Should you wait until the due date to pay credit card balance?

I think the bigger question is whether or not you're able to get interest or dividends on your money. Hopefully, all of your accounts are earning at least something (yes, I know that interest rates have been low, but money is money and what you do now will probably continue on when interest rates u...
by Cash
Sun Jul 30, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8389

Re: Should you wait until the due date to pay credit card balance?

I think the bigger question is whether or not you're able to get interest or dividends on your money. Hopefully, all of your accounts are earning at least something (yes, I know that interest rates have been low, but money is money and what you do now will probably continue on when interest rates u...
by Cash
Sun Jul 16, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto, renters, umbrella insurance quote/company comparision
Replies: 11
Views: 1158

Re: Auto, renters, umbrella insurance quote/company comparision

The Geico policy does not appear to have uninsured motorists coverage. Make sure you are comparing like coverages. You can find an independent agent using the following website. https://www.trustedchoice.com It is an option when I log in and view my policy, but I have rejected it. Why do you need u...
by Cash
Sat Jul 15, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Auto, renters, umbrella insurance quote/company comparision
Replies: 11
Views: 1158

Re: Auto, renters, umbrella insurance quote/company comparision

I have had GEICO for auto for years, and more recently for umbrella. The rates have been fairly consistent (might have gone up a few dollars, but not enough for me to notice) and are still the lowest when I shop around. In a car accident several years ago (not at fault), they were great to deal with.
by Cash
Sun Jul 09, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 14647

Re: Can we/should we afford a $2M house?

If you can build an L or backwards C-shaped house and put up some privacy hedges, I would go with 8. It's very much like my lot on which we have an L shaped house and privacy hedges. 4 is tempting because of the conservation easement, but I'm wondering if anyone would really pay $80k more for that o...
by Cash
Sun Jul 09, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 14647

Re: Can we/should we afford a $2M house?

On which side is the easement for lot 8?
by Cash
Sat Jul 08, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1885

Re: Buying a house in FEMA flood zone X

I'm in unshaded Zone X, at the top of a sloping lot. But I decided to buy base flood insurance for $450 anyway, because Florida.
by Cash
Sat Jun 24, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 28
Views: 2379

Re: Garage Parking Aid

After reading multiple reviews, I just bought one of these earlier this week:

https://www.amazon.com/gp/product/B008E ... UTF8&psc=1

I'll let you know how it works out.
by Cash
Sun Jun 11, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 140
Views: 20767

Re: So someone drained $13k from my checking account...

Many banks makes it easy to have 2 Checking accounts - and I can have 1 for making payments on and isn't my primary checking account and normally don't store much in that account. I transfer money over when needed to make payment or occasional check to write. This thread has gone on awhile, but IIR...
by Cash
Tue Jun 06, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 6087

Re: Used 2013 Audi A5 or New Honda Accord Sport

I've had a 2013 A6 for a couple of years now with no issues. Would not trade it for an Accord. My wife's BMW, on the other hand...