Search found 43 matches

by shanefairman
Fri Nov 03, 2017 5:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289801

Re: What are you up YTD? [Year To Date]

100% stock

Healthcare sector bet (~19% of portfolio)
Up 16.44% TYD

Small/Midcap Growth (~81% portfolio)
Up 28.68% YTD
by shanefairman
Wed Oct 25, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3237

Re: Upgrade my Roku?

I have owned a Roku 1 and Roku 2.

They were very user friendly but they tended to only last a year or so before we started having problems with ransom restarts.

We have switched to using Windows 10 PC's as media centers. They really lack the user friendliness of the Roku.
by shanefairman
Wed Oct 18, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1531

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

I have been rocking dual screens since the CRT era. In the last year I switched from 1x 23" 1080 monitors and 1x 32" 1080 to a single 55" 4K display. I use the Windows 10 snapping function to treat it as 4 separate 28.5" quadrants. Truth be told it is sub optimal especially if you want to use it for...
by shanefairman
Wed Oct 18, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Stains coming through white painted wood stair risers
Replies: 12
Views: 807

Re: Stains coming through white painted wood stair risers

As others have stated you really want to use a shellac primer on pine knots. I have used Zinsser BIN and it's a great product. Honestly any shellac based should be fine. As others have noted that the cheap oil based Killz is a great primer for stain block and sealing in odors as well. Shellac based ...
by shanefairman
Thu Oct 12, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3580

Re: SUV options with 3 little kids

We were looking for a similar vehicle but at a lower price range than you. In the end we ended up going with a slightly used Ford Transit T350 Wagon. It's a 12 passenger van with plenty of cargo space. It does lack luxury features but it's very well designed and its European engine bay really helps ...
by shanefairman
Wed Sep 20, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2197

Re: Spray Foam Insulation

Personally I think spray foam has it's places but I would only consider it in locations where is provides the best value. As others alluded to there are different densities of spray foam. It typically falls to categories closed cell and open cell. Most close cell spray foam is 2 pounds per cubic foo...
by shanefairman
Mon Sep 18, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 12381

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

There is one possible reason that I see to go with a dividend strategy vs just buying a broad market index fund. With the current tax code if you are within or below the 15% tax bracket dividends are tax free. I was trying to think of scenarios where it would be realistic but I'm hard pressed to fin...
by shanefairman
Thu Sep 14, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3164

Re: "Luxury" Vinyl vs Laminate flooring?

Any advice for rental properties? What flooring options are resilient and relatively maintenance free? On Bigger Pockets luxury vinyl plank and tile are well regarded. Especially products that are water proof and feature a thick wear layer. Really any solid surface is well regarded in rentals. If y...
by shanefairman
Wed Sep 13, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4265

Re: Vanguard Health Care Fund in my portfolio?

The conventional wisdom is to avoid sector bets and just purchase the market. On the other hand I too have a sector bet in VGHCX. It's around 20% (19.91%) of my portfolio. On the other hand I'm 30 years out from retirement and have no plans to sell even if it takes a dive. I held it just fine throug...
by shanefairman
Mon Sep 11, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3164

Re: "Luxury" Vinyl vs Laminate flooring?

Personally my preference would be Luxury Vinyl Plank. I have several rooms that we used Allure Ultra from home depot. It's waterproof and the price has come down by about 25% in my area over the last couple years. http://www.homedepot.com/p/TrafficMASTER-Allure-Ultra-7-5-in-x-47-6-in-Vintage-Oak-Cin...
by shanefairman
Tue Aug 15, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 923

Re: Why/how can Android web browsers stall the whole OS?

Depending on the age of the device a factory reset can help with miscellaneous issues. Just make sure you back up everything important first. Personally I really dislike phone based browsers. They almost always go to the mobile version of the site. In theory it's a good feature but I really prefer t...
by shanefairman
Tue Aug 08, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Google Pixel on sale today
Replies: 2
Views: 564

Re: Google Pixel on sale today

That's a good deal if you are in the market for a flagship phone with GSM and CDMA. I took advantage of a similar deal with Project Fi and a Nexus 5X around 18 months ago. For me the coverage with Project Fi (Sprint and T-Mobile) was available at work but my drive home and service at home was near n...
by shanefairman
Wed Jul 26, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3267

Re: Is a kamado grill/smoker worth it?

I have had around five charcoal grills in the last decade. I usually have two or three available if needed. We recently got a Char-Broil Kamander this year. My previous Big Green Egg knockoff is an Acorn with the side cart. I really like the cheaper BGE knockoffs that are between $300 and $350. They...
by shanefairman
Mon Jan 09, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 29228

Re: How much is your cell phone bill?

Carrier: Cricket (AT&T MVNO) Number of lines: 5 Minutes: Unlimited Text: Unlimited Data: 2.5GB per line LTE speed, Unlimited slow data after 2.5GB Price: $100 per month including taxes and fees. The coverage is the same as AT&T but the price is hard to beat. There are no worries about anyone...
by shanefairman
Mon Jan 02, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?
Replies: 12
Views: 1411

Re: Anyone looking at the GM EV2 aka Chevy Bolt (not Volt)?

The main issue is the horrible drag coefficient. The bolt has a drag coefficient of .32. The GM EV1 in 1996 had ad drag coefficient of .19. It appears they have really failed with the drag coefficient on this model. The high CD has greatly reduced the range and acceleration at highway speeds. They h...
by shanefairman
Wed Dec 07, 2016 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Unload Healthcare Fund?
Replies: 36
Views: 3220

Re: Unload Healthcare Fund?

I made a sector bet in (VGHCX) about 18 months ago. I know better but I'm young and think that due to demographics with baby boomers starting to retire healthcare should continue to be a great sector. On the other hand VGHCX has been doing quite poor and is a negative percentage since I have purchas...
by shanefairman
Thu Dec 01, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: need advise on my new approach for 2017
Replies: 19
Views: 2139

Re: need advise on my new approach for 2017

Personally i'm perfectly fine with you just holding TSM. If your willing to take the risk I see no problem holding just VTSAX. Another 10 years at your current contributions you should be close to $2,000,000.

I like the idea of in retirement being near 100% equities with a 2 year cash buffer.
by shanefairman
Thu Dec 01, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any no-risk investment option?
Replies: 22
Views: 1934

Re: Is there any no-risk investment option?

There may be some limited options. There in the past have been several prepaid debit card that pay %5-6% and are FDIC insured. Mango, Netspend, and others come to mind. Most have a monthly fee but still have a guaranteed risk free return of around 5%. I have read other threads where users have expre...
by shanefairman
Tue Aug 09, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 15065

Re: Better than amazon??

I have looked into Jet before. On some items they are cheaper but since I have Prime I can't really justify checking items on two sites. I'm interested in how Wally World's acquisition of Jet will play out. It's likely a good move for Walmart but I avoid shopping at Walmart and tent to purchase for ...
by shanefairman
Thu Mar 24, 2016 5:30 am
Forum: Personal Consumer Issues
Topic: Computer help request
Replies: 12
Views: 1723

Re: Computer help request

Sometimes it can happen when your computer goes to sleep/standby.

The quick solution should be to disable and enable the WiFi adapter. Restarting should have also resolved it.

If that resolves it check to see if there is an update for your WiFi adapter.
by shanefairman
Tue Jan 12, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Home window quotes
Replies: 16
Views: 2631

Re: Home window quotes

Those prices are quite high in my opinion. I would also recommend pricing the windows out and then hieing a contractor to install. Most real estate investors usually spend around $300 per window installed as a general rule of thumb. You may want to check out a local real estate investment or landlor...
by shanefairman
Mon Jan 11, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Building a new small home
Replies: 37
Views: 4662

Re: Building a new small home

I’m glad you are going in this direction. Far too many people buy more house than they need. I’m a bit of a building science geek. If you want to learn more yourself I would recommended reading or posting on www.greenbuildingadvisor.com www.jlconline.com and m. All of the websites will feature more ...
by shanefairman
Mon Dec 21, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are you Financially Literate?
Replies: 33
Views: 3639

Re: Are you Financially Literate?

I find their "Full" data set it be very disappointing. I really wanted to break it down to % of number correct along with population totals in the survey.
by shanefairman
Fri Dec 18, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 5474

Re: Large Stock Market Decline Today - What's going on?

I can agree to either approach. Either check it often and desensitize yourself to the market movements. This is the approach I have decided to go with the check often approach. Alternatively if you are likely to react to abrupt changes in the market just tune it out completely. Check either quarterl...
by shanefairman
Tue Nov 17, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my upcoming raise?
Replies: 10
Views: 1201

Re: What to do with my upcoming raise?

I would go ROTH IRA it works as a great estate planning vehicle or even for collage expenses for you our children. It is very versatile and I would be hard pressed to not max it out after getting to employer 401k match if offered.
by shanefairman
Tue Nov 17, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 12911

Re: Riding Mower Help Needed

I would say f you want something that will last you want an older garden tractor. A garden tractor is a lot different from a lawnmower. They are much more heavy duty and will last for decades not years. I just recently purchased a 1975 Cub Cadet 1450 and look forward to using it for a few more decad...
by shanefairman
Mon Nov 16, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Moving in with GF
Replies: 31
Views: 3511

Re: Moving in with GF

Background: Planning to move in with girlfriend near the beginning of 2016. Having said that, is there anything I should do in order to have a legal right to live at her place? In the past when I haven't prepared and when things go south it ends up being a total mess and me forking out hotel rate f...
by shanefairman
Mon Nov 16, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Moving in with GF
Replies: 31
Views: 3511

Re: Moving in with GF

As with all posts we don't have enough information. Does she own or is she renting? If she is renting it depends on the language and term of her lease. Some landlords are more professional and follow an estabilshed procedure. Typically landlords will have language in their rental contract that requi...
by shanefairman
Tue Nov 10, 2015 7:47 pm
Forum: Personal Consumer Issues
Topic: Washing and Drying Clothing ?
Replies: 24
Views: 3762

Re: Washing and Drying Clothing ?

I guess it really is a matter of how much you value your clothing and time. We use either cold or warm for most washing. Occasionally hot for white clothing only. My wife like to separate the clothing into around 5 different batch types. I'm sure it is good for longevity but I rarely separate any cl...
by shanefairman
Sun Sep 27, 2015 7:28 am
Forum: Personal Consumer Issues
Topic: Upgrading my computer to work more days from home
Replies: 22
Views: 2273

Re: Upgrading my computer to work more days from home

There are many options available. Since you are connecting to a Citrix desktop you really don't need a high spec machine. Personally I would consider a cheap desktop computer. Stick with Intel on the processor they are just faster and more efficient clock for clock than AMD for the past several year...
by shanefairman
Wed Sep 16, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: New Heating System for Home - Gas versus Electric?
Replies: 90
Views: 6899

Re: New Heating System for Home - Gas versus Electric?

Heating with natural gas is usually the most cost effective solution. Add the bonus of saving on water heating and drying clothing too if converting to natural gas. Personally I really like the improvements in electric mini splits. They can heat and cool and have really greatly improved in efficienc...
by shanefairman
Fri Sep 11, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: My Car Broke. Buy New Car or Fix?
Replies: 50
Views: 6097

Re: My Car Broke. Buy New Car or Fix?

Either let it go or find a replacement engine from a salvage year.
by shanefairman
Mon Sep 07, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: Family Car Recommendations
Replies: 85
Views: 8899

Re: Family Car Recommendations

I am also looking to get a new or used car. My wife and I have one kid with another on the way. For the past 4 years I have been driving a 2001 Honda Insight. It gets great fuel economy but the lack of a rear seat is getting to be an issue. I drive 25 to 30k a year so fuel economy matters to me. I h...
by shanefairman
Sat Aug 29, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 134482

Re: Boglehead Beer

I will agree if looking for a Bogglehead beer Yuengling lager is likely the winner. Unfortunately their distribution hasn't made it to me in Michigan. The real value in beer is buying in bulk in cans. But the problem is your aren't likely to find a good craft beer that markets a 24 pack of craft bee...
by shanefairman
Thu Aug 20, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: help choose home heat fuel/furnace
Replies: 14
Views: 1289

Re: help choose home heat fuel/furnace

In a situation where natural gas is not available I would recommend a mini split. The new air source heats pumps are getting quite efficient. They also have models that can run down to -15 degrees Fahrenheit. My personal recommendation would be for a Fujitsu 15RLS3H. Get one installed in a central o...
by shanefairman
Sat Aug 15, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 5207

Re: Laptop Recommendation

Howdy, As far as laptops go i'm fairly agnostic as far as brand goes. I would look for an Intel processor. Intel is really just much better than AMD for the last few years. I would recommend getting a decent middle of the road processor something like an i3 or an i5. Unfortunately just the processor...
by shanefairman
Wed Aug 05, 2015 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Saving to buy a new house
Replies: 6
Views: 1369

Re: Saving to buy a new house

i do believe SoFi offers no PMI with only 10% down. Mortgages through SoFi are not offered in all states.

Other than that the 80/10/10 is likely your best bet.
by shanefairman
Mon Jul 27, 2015 7:46 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 7477

Re: FWD vs AWD (Vehicle)

Tire are far more important than FWD vs AWD. Just get a good set of winter tires. I highly recommend Nokian Hakkapeliitta R2. I drive almost the worse car possible for snow (2001 Honda Insight hybrid). It weighs 1850 pounds and has less than 6 inches ground clearance. The kicker is the rear tiers ar...
by shanefairman
Wed Jul 15, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 3435

Re: Mini-split air conditioner

HI, You didn't mention the area you are planning on installing the units. For each zip code there is usually data available for the degree days for both heating and cooling. This information will help with determine what will best fit your needs. Talking to a good HVAC contractor could be very helpf...
by shanefairman
Thu Jul 09, 2015 10:56 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 5290

Re: What antivirus software?

Hi, I'm a general computer geek and have been a IT professional for just shy of 5 years. First I would recommend a new computer at some point. Vista is still receiving updates but computers are so cheap now days there is little reason to run Vista. Depending on the number of hours you use your compu...
by shanefairman
Thu Jul 09, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 30 year or 15 year?
Replies: 56
Views: 9849

Re: Mortgage - 30 year or 15 year?

If I was in your situation I would take the 30 year and invest the difference between the 30 and 15 year payment in a taxable account that can be used as a pay off the mortgage fund. It's likely that that fund will provide better performance that the interest rate you would be paying. If you don't h...
by shanefairman
Thu Jul 09, 2015 10:26 pm
Forum: Personal Consumer Issues
Topic: Migrating iTunes Library?
Replies: 3
Views: 861

Re: Migrating iTunes Library?

I'm not a huge apple fan and I don't use iTunes my self but I do migrate users from an older computer to a new computer often enough. iTunes will save the media and library to a folder on your computer. If it is a windows computer it will default to the "my music" folder within your my doc...
by shanefairman
Sat Jul 04, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Buying a new desktop computer
Replies: 42
Views: 5335

Re: Buying a new desktop computer

Hi, My personal preference is to build a desktop from components for around $400 to $600. This allows you to pick the exact components to meet your exact needs. I'm a computer geek so this is my preference for me but it's not the cheapest or the most user friendly but the route I chose to go with. T...