Search found 58 matches

by objectivefunction
Mon Jul 10, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7192

Re: how to destroy hard disk with personal info

I doubt many cases (if any) of identity theft result from dumpster diving for drives. That's way too labor intensive when you could just hack into a bank or retailer or buy some CC numbers on the darkweb and get info on millions of people at once. Wipe it with software, if you can. Smash it with a h...
by objectivefunction
Sat Jul 08, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: VASIX and Checkwriting for monthly expenses [Vanguard LifeStrategy Income]
Replies: 7
Views: 640

Re: VASIX and Checkwriting for monthly expenses [Vanguard LifeStrategy Income]

I'm not sure I see the benefit. Say you get paid $100/week and it gets deposited into your VASIX fund, then you write an $80 check and deposit it into your checking account from which to pay bills. In the end you have $20 in an investment account and $80 in a checking account. Why not just have the ...
by objectivefunction
Sun Jul 02, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard... Possible to auto invest in ETF's?
Replies: 25
Views: 1856

Re: Vanguard... Possible to auto invest in ETF's?

Another option is CaptialOne Investing. You can setup automated investment plans that invest dollar amounts in stock portfolios, purchasing fractional shares as necessary. I used it back when it was called Sharebuilder. You have to pay commissions, but their commissions are pretty good relatively sp...
by objectivefunction
Fri Jun 23, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: What's the Best Way to Invest in Cryptocurrencies?
Replies: 16
Views: 1930

Re: What's the Best Way to Invest in Cryptocurrencies?

Tactically, the way to invest is to transfer USD to coinbase.com, and then transfer BTC or ETH to bittrex.com to exchange for the rest of the coin. Then, be sure to move large balances into a hardware wallet such as a Trezor or Ledger since trusting exchanges with large value has proven to be a mis...
by objectivefunction
Sun Jun 18, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

#5 was born early Wednesday morning. My wife did amazingly, and delivered a beautiful, healthy baby girl. I opted to get her the bottle of wine, which was only $36. I'm not sure why I thought it was $80 maybe that was a different year. I think when they get close to running out of a particular year ...
by objectivefunction
Wed Jun 07, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Change brokerage account
Replies: 5
Views: 686

Re: Change brokerage account

Hello, my wife has approx 40k in stocks from Johnson & Johnson which are held at a taxable account at ComputerShare. We have all of our other investments either at a Vanguard account or at Fidelity. In order to make things simpler, I'd like to get rid of Computershare and have the J&J stock...
by objectivefunction
Wed Jun 07, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Ally Brokerage
Replies: 1
Views: 354

Re: Ally Brokerage

I signed up at TradeKing about a year ago to get a bonus. I bought nine shares of VTI and left it there, logging in only occasionally. It got converted to an Ally account, and I had trouble getting into my account at first (I think they were still sorting through the acquisition) I never had to cont...
by objectivefunction
Wed Jun 07, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

You haven't stated your budget, but if $80 "doesn't feel like enough" I didn't necessarily mean that it wasn't enough in price, but that maybe it's not meaningful enough. I'm leaning towards something consumable (a bottle of wine, a box of chocolates, a spa certificate), and some kind of ...
by objectivefunction
Wed Jun 07, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

When does material gifts have to signify that? Appreciating someone can be expressed in many ways and everyday without need for material gifts or occassion. Sorry, I may have come across as too interested in a material gift. I don't think it has to be material. Should I write her a poem? Childbirth...
by objectivefunction
Wed Jun 07, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

What's the gift called for the other spouse who gets up at 0400 every day for decades to pay for the housing and food? No reason to get defensive. Just because I want to give my wife a gift because I appreciate all she's been through for me and the kids does not mean that she has no appreciation fo...
by objectivefunction
Wed Jun 07, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Grt2bOutdoors wrote:...the real gift is that which you delivered.


She already has four of those. I thought I'd give her something different this time.
by objectivefunction
Wed Jun 07, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

alec wrote:When my neighbor had her fourth kid, her spouse took a month off work.


Out of the the five jobs I've had over the years, this is the first time I'm at a company with paternity leave, and I'm adding some of my own PTO to that to take a month off work.
by objectivefunction
Wed Jun 07, 2017 6:05 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 83
Views: 11032

Re: Bitcoin: The worst investment in 2014

Based on 1-month, rolling standard deviations of daily returns (chart below), the price of Bitcoin has seen magnitudes greater volatility than the price of gold in recent years. https://s17.postimg.org/foxydtj8f/Screen_Shot_2017-03-13_at_21.19.32.png Source: True Economics As ValueThinker points ou...
by objectivefunction
Wed Jun 07, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

It is a gift given to the woman who bears your child, because you are proud of her and appreciate all she has gone through.
by objectivefunction
Wed Jun 07, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7260

My Wife is having our 5th child. What is an appropriately extravagant push gift?

Very soon my wife is having our 5th (and very probably last) child. She is a SAHM, and you would be correct in believing that she is a friggin super hero! In other countries she would receive a medal and the thanks of her government (https://en.wikipedia.org/wiki/M%C3%A9daille_de_la_Famille_fran%C3%...
by objectivefunction
Tue Jun 06, 2017 5:51 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: The worst investment in 2014
Replies: 83
Views: 11032

Re: Bitcoin: The worst investment in 2014

Short answer: maybe it has value, but its volatility means its not a good way of holding wealth (unless you have reason to want to keep that wealth outside of your normal home currency, and no access to other investments). Please use quantitative data. How volatile is bitcoin? How volatile are nati...
by objectivefunction
Mon Jun 05, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: Has anyone purchased a car from Carvana.com?
Replies: 25
Views: 9969

Re: Has anyone purchased a car from Carvana.com?

I've always thought the best way to get a deal on used cars without high-stakes negotiations is to deal with people selling their own cars via CL or other classifieds. They're not pros like car dealers, just a regular person like you who wants to get rid of a car and move on with their life. I woul...
by objectivefunction
Sat Jun 03, 2017 5:18 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Be mindful of market cap in regard to pre-mined coins ( and be careful of the nuances in the term "pre-mined"). Various crypto websites will allow you to adjust market cap rankings to filter out pre-mined cryptos. Good point. I'd stick to Bitcoin and Ethereum. If you're adventurous you co...
by objectivefunction
Sat Jun 03, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 39
Views: 3984

Re: Mouse In Apartment

Geneyus wrote:I say go with the old-fashioned snap trap and some peanut butter.


The only thing about old-fashioned snap traps is that sometimes they don't fully do the job. Then you might be stuck with an injured mouse that needs to be killed, which can be a problem if you're squeamish.
by objectivefunction
Sat Jun 03, 2017 4:45 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

That is also a liability. It's Bitcoin's greatest liability that needs to be solved. "Needs" to be solved in what way? Before it will be successful? Before you will use it? Here are some examples: SCENARIO 1 Assume for the argument that there is some form of exchange that is one way and i...
by objectivefunction
Fri Jun 02, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Has anyone purchased a car from Carvana.com?
Replies: 25
Views: 9969

Re: Has anyone purchased a car from Carvana.com?

http://www.autonews.com/article/2016121 ... r-startups

beepi.com now redirects to vroom.com.

Vroom does not have any Leafs.
by objectivefunction
Fri Jun 02, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Has anyone purchased a car from Carvana.com?
Replies: 25
Views: 9969

Re: Has anyone purchased a car from Carvana.com?

+1 on carvana being a convenient painless way to buy a good used car. The 7 day full return policy is nice too, especially if you are buying a different type of vehicle than you've had before. I'm looking at a 2013 Nissan Leaf. I checked CarMax (I've bought and sold with them several times), but th...
by objectivefunction
Fri Jun 02, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Has anyone purchased a car from Carvana.com?
Replies: 25
Views: 9969

Re: Has anyone purchased a car from Carvana.com?

I purchased a car in November. I paid cash. The purchasing process was painless. However, I received my car on November 14, 2016. The temporary tag expired on December 29, 2016. I did not receive my title in order to get the title put in my name or get tags for my car. I called Carvana yesterday an...
by objectivefunction
Fri Jun 02, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

But there's been a host of papers re blockchain technology and financial services. Gartner put it on its "hype" curve, even. I think the consensus, now that some of the hype has subsided, is that there are real problems (e.g. securities settlement) where existing legacy systems are cumber...
by objectivefunction
Fri Jun 02, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

First-mover advantage is powerful. I wasn't thinking of first-mover advantage so much as network effect. Sure some other cryptocurrency may have faster confirmations or better privacy or be more stable, but that doesn't mean I can use it to do the same things with the same people as I can Bitcoin. ...
by objectivefunction
Fri Jun 02, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Have you looked at the Bitcoin IRA (Ethereum is available in the same account). If the topic is ETF or direct, then the IRA should probably be discussed too. It'd be a shame to lose tax sheltered space if it crashed, and you couldn't tax loss harvest that way. I'm aware of it. I don't think it is f...
by objectivefunction
Fri Jun 02, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Please explain why it's better to run contracts or register real-estate in a crypto-currency that requires mining instead of one like Ripple. I understand the lure of decentralization from those seeking to be more off-the-grid so to speak and that's a plus for Bitcoin, but Ripple requires less ener...
by objectivefunction
Fri Jun 02, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Gold mining shovels vs. gold. This is the blockchain vs. bitcoin analogy I was looking for earlier, but couldn't find. Good one. The analogy I was intending to make was that blockchain is the gold and IBM and MIT and such are selling shovels. Whether or not blockchain in and of itself succeeds or n...
by objectivefunction
Fri Jun 02, 2017 6:22 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Excuse me, sorry but the OP can thank themself for my response which indeed addressed the question that was posed. As I said I didn't expect that there should be no discussion about Bitcoin itself, but I overreacted. I apologize. I meant no offense to anyone. So I still maintain that: 1) bitcoin ha...
by objectivefunction
Fri Jun 02, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

"investing" in Bitcoin is like investing in any other currency. I think that is the point of contention. You are claiming that. I'm not. I don't think others are. So why invest in a new currency, just because it is new, sexy and electronic? Oh and it's gone up a lot? Which of course encou...
by objectivefunction
Thu Jun 01, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Choosing Renewable Energy From My Electricity Supplier
Replies: 14
Views: 848

Re: Choosing Renewable Energy From My Electricity Supplier

I wonder if they just purchase wind energy credits from a secondary market. When I looked into solar for my house part of the payback calculation was selling SRECs to a regional market.
by objectivefunction
Thu Jun 01, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Ally Invest Unstable?
Replies: 2
Views: 578

Re: Ally Invest Unstable?

I had a TradeKing account, which became an Ally Invest account. I only today tried to log in to the thing, and...yeah Ally Invest was erroring all over the place.

I never had any issue with TradeKing. I'd imagine what we are seeing is just merging pains, and it will settle out eventually.
by objectivefunction
Thu Jun 01, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

I think Bitcoin is, so far, just another [EDIT: consequence] of negative real interest rates. Maybe. I get annoyed when people come asking and posting because the price is up. I'm interested in Bitcoin and cryptocurrencies over the long term for their fundamentals. It does not really seem to solve ...
by objectivefunction
Thu Jun 01, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

BTW if your initial gibe was aimed at Nisiprius, you may not realize that he's one of the "top 10" most thoughtful, considered & insightful posters around here. By some margin I might add. Spend a week or two reading his old posts-- they are often quite edifying. If it was aimed at me...
by objectivefunction
Thu Jun 01, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

Apparently it is impossible to borrow shares of GBTC to short right now. I can't think this will end well. You can short bitcoin, just not via GBTC. I believe Coinbase offers this functionality on its GDAX exchange (have not tried), but I do know that it's possible on various other exchanges. On Bi...
by objectivefunction
Thu Jun 01, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

I'm having trouble trying to remember... during the several years when COIN was perpetually said to be "on track" for regulatory approval soon, people would frequently mention another ETF--which I thought actually did exist--that was frequently called a "bitcoin ETF" but wasn't ...
by objectivefunction
Thu Jun 01, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

The ransomeware hack which hit over 160k computers worldwide 2 (3?) weeks ago, including many hospitals in the British National Health Service, wanted a payoff in Bitcoin. That's what I meant about it being unlikely governments would allow that to remain untraceable forever. Bitcoin is not untracea...
by objectivefunction
Thu Jun 01, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 3667

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

I'm not sure why this topic always seems to draw such long replies with people speculating about future policies, etc., etc. It especially seems to draw out anti-Bitcoin comments that are usually given from a position of ignorance about how Bitcoin works. For example, "blockchain" will not...
by objectivefunction
Sat May 27, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Copyright music on YouTube - why isn't it blocked?
Replies: 8
Views: 1070

Re: Copyright music on YouTube - why isn't it blocked?

There's a lot of copyright music on YouTube where the publisher just puts a picture of the lyrics for the video. Anyone know why this is allowed and not blocked? For example - https://www.youtube.com/watch?v=IS6n2Hx9Ykk with almost 10 million views. Wouldn't Led Zeppelin rather have that traffic go...
by objectivefunction
Wed May 24, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 4203

Re: How to buy (or invest) into Bitcoin?

I was vaguely interested in bitcoin for a while. Partly laughing at the expense of people who lost money in the Mt Gox meltdown. I was very afraid to actually give money to an exchange. But the bitcoin world is very different now. Back then Mt Gox had a lion's share of the trading volume, and there ...
by objectivefunction
Wed May 24, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Max a 529?
Replies: 8
Views: 956

Re: Max a 529?

As a single income family, I've been jealous of people who have $36,000+ in tax deferred space each year. I get $18,000 401k + $5,500 for my wife's traditional IRA and maybe $6,500 in an HSA if I'm adventurous. So I was seriously crunching some numbers to see if I could hack my kid's 529's (or even ...
by objectivefunction
Sun May 21, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1951

Re: Vehicle recommendation for large family

Thanks for the feedback everyone! After hearing what people are saying, I'm leaning more towards just getting a sedan for me to drive around town (actually I'd love to get a Nissan Leaf), and using the minivan for trips. We take a yearly trip with my side of the family and have been able to make a m...
by objectivefunction
Sun May 21, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1951

Re: Vehicle recommendation for large family

Our Toyota Sienna has the 8th seat option. It's a removable seat that fits between the bucket seats in the middle row. I'm not sure what years offer it, ours is a 2011 model. We have an 8th seat in our minivan. The trouble is there are 8 seats and then there are 8 seats with car seats, which tend t...
by objectivefunction
Sun May 21, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1951

Re: Vehicle recommendation for large family

I would be inclined for a van style vs SUV. Something like the Sprinter or Nissan NV 3500 would be top of my list. That may souls certainly generates a lot of "stuff" that would need to be a part of the trip. Here is an article of someone who seems like they went through the same process....
by objectivefunction
Sun May 21, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1951

Re: Vehicle recommendation for large family

bottlecap wrote:Expedition
Excursion

Perhaps some minivans seat 7?


One option is to just keep the minivan and buy a cheap junker sedan for myself, and my wife is ok with this. We could probably make it work for trips around town.
by objectivefunction
Sun May 21, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1951

Vehicle recommendation for large family

My wife and I have four children (aged 11, 7, 5, 2), and number five is on the way in less than a month. We are currently a one car family (I work from home), but that has only been the case for about a year, and we figured it would be temporary. We expected with the new baby we'd need something big...
by objectivefunction
Thu Apr 13, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2901

Re: Problems with oil pans and plugs for Honda Odyssey

For the record I've never taken my cars to any "quick change" places, only (I thought) well rated independent mechanics.

And my next car will be an electric.
by objectivefunction
Wed Apr 12, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2901

Re: Problems with oil pans and plugs for Honda Odyssey

Chip wrote:Aluminum is easy to strip out compared to a steel oil pan.


I'm not sure if it makes a difference on way or the other, but it was the plug that stripped. I was shown the plug and the thread was sheared off. It looked like a spring.
by objectivefunction
Wed Apr 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Problems with oil pans and plugs for Honda Odyssey
Replies: 51
Views: 2901

Problems with oil pans and plugs for Honda Odyssey

We had a 2004 Honda Odyssey (since sold) that had to have its oil pan replaced ($600) because the oil plug got stripped. Now our 2008 Honda Odyssey had a stripped oil plug. The mechanic drilled out a larger hole in the oil pan and put in a larger plug. After having done that the van was fine, but no...

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