Search found 67 matches

by pqwerty
Fri Jun 28, 2019 8:00 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 47
Views: 4962

Re: Bitcoin Talk

The other huge advantage of Bitcoin over Boglecoin, and most other cryptocurrencies, is that BTC has stood the test of time. Everyone has tried to hack Bitcoin, ban Bitcoin (governments), even destroy Bitcoin. Without success! Bitcoin has survived, and clearly prospered. That gives Bitcoin a huge a...
by pqwerty
Thu Jun 27, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 24019

Re: Crypto bulls are back. Are you getting in?

What is to stop someone from creating fake blocks for the first three years and then linking the senior grade block back through the chain of old fake blocks? In the case of bitcoin itself, retroactive changes are made impractical by the large aggregate hash rate. But if this is on some other block...
by pqwerty
Thu Jun 27, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: 1st time Home-buyer Questions
Replies: 19
Views: 1191

Re: 1st time Home-buyer Questions

I think you can waive the contingency on the appraisal, not the appraisal itself...well, maybe if you are paying cash and just don't care about the value.
by pqwerty
Tue Jun 18, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3350

Re: Maternity and Paternity leave policies

I can understand this if the employee’s work can be distributed amongst many at a big Corp that has lots of money to cover the cost. How does a small business or medical practice (not one that is covered by FMLA as it is too small) pay for this or do the work with a vital employee gone for that lon...
by pqwerty
Fri Jun 07, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2943

Re: how to deal with people who are not living boglehead way of life

I think most bogleheads go through a phase where they try to give investing advice to friends and family just to find nobody cares or listens enough to do anything. I did. You will eventually stop.
by pqwerty
Thu Apr 25, 2019 10:50 am
Forum: Investing - Theory, News & General
Topic: Housing market bubble
Replies: 27
Views: 6215

Re: Housing market bubble

could be, I bought a house because I have 3 kids and don't want to live in apartment for 15 years because I read some opinion article on bloomberg. i guess reignite this thread in 15 years and throw it in my face ... but I'm pretty sure I won't can then either.
by pqwerty
Mon Apr 01, 2019 10:14 am
Forum: Personal Investments
Topic: Invest in cryptocurrency?
Replies: 19
Views: 1582

Re: Invest in cryptocurrency?

If BAT isn't a scam, its a bad idea. I'm getting ahead of myself...it is probably a scam.
by pqwerty
Wed Mar 20, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Best way to Transfer property
Replies: 16
Views: 1123

Re: Best way to Transfer property

What is the best way to transfer a property from my father to myself and avoid paying taxes. The property is worth about 800K and is located in California. Quitclaim deed? Who would do a quitclaim deed? legalzoom https://www.legalzoom.com/personal/real-estate/property-deed-transfer-overview.html
by pqwerty
Tue Jan 22, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 27
Views: 2858

Re: 1980s Vacuums vs Today

I recently (over Christmas) went from a corded vacuum to cordless Dyson. Will never buy a corded vacuum again.
by pqwerty
Fri Jan 11, 2019 7:51 am
Forum: Personal Investments
Topic: American Funds (No Loads) vs Vanguard Index Funds
Replies: 30
Views: 2425

Re: American Funds (No Loads) vs Vanguard Index Funds

You found this site and posted this question which means you are already suspicious of the product you are buying. Stick with your instinct, get out now.
by pqwerty
Tue Jan 08, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4709

Re: Car Battery

Could use a battery tender as well.
by pqwerty
Tue Jan 08, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2808

Re: Need a little insight from STEM Bogleheads

Where I work I believe a math degree is accepted when applying for an engineering position. Also, I work with at least 1 person who has an undergraduate in math. It just isn't super common, and our systems are doing moderately complex math. The the lack of programming experience is probably the culp...
by pqwerty
Mon Jan 07, 2019 1:34 pm
Forum: Personal Investments
Topic: Elders....A young buck needs your help!
Replies: 15
Views: 1316

Re: Elders....A young buck needs your help!

We are similar in age and family ... may even live in the same city. Your retirement saving seems low to me. I assume with pensions you may not be saving as aggressively, but you also state you want to retire early so I would be saving more. Also, with $150k of income in a moderately LCOL area you m...
by pqwerty
Mon Jan 07, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: $70k Salary, how much Car can I afford? Recommendations?
Replies: 22
Views: 2875

Re: $70k Salary, how much Car can I afford? Recommendations?

I would spend ~$10k for a used SUV and probably a little less for a car. Ditch the Civic when you start having safety concerns or you question its ability to drive it more than 30 miles.
by pqwerty
Fri Dec 14, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 33
Views: 3611

Re: Question on dryer vent cleaning

Most places have a minimum for any job, not matter how small. I would guess is between $100 - $200 depending on what all the company does.
by pqwerty
Sun Dec 09, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Guitar Players -CAGED system
Replies: 22
Views: 2357

Re: Guitar Players -CAGED system

I only bar E and A chords. I see the G and D bars exist but I have never and don't plan to ever attempt them. If the music suggested them I would use an alternative chord...it may not be as efficient or exact but I'm not a professional and never will be.
by pqwerty
Sun Dec 02, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3235

Re: Has anyone on this board painted over wallpaper?

You know the right thing to do. Don’t paint over wallpaper if you at all care about a nice finished product Something I learned in software development is that a kludge, reasonable at the time, has after effects that get worse over time. You need another kludge to circumvent the ill effects of the ...
by pqwerty
Wed Nov 28, 2018 8:42 pm
Forum: Personal Investments
Topic: S&P Index, Berkshire, or ?
Replies: 5
Views: 849

Re: S&P Index, Berkshire, or ?

BH stock must be down or something.

Buffett won't live forever ... at least I don't think he will.
BH could pull a GE. Many didn't think GE could pull a GE but they did ... and so could BH.
by pqwerty
Fri Nov 23, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering move to consultant?
Replies: 16
Views: 2212

Re: Electrical Engineering move to consultant?

AFAIK, my company purged most (all?) of our "consultants" which were employees who quit and became independent contractors to make more money. Some still work with us but though the engineering suppliers we use. We have a negotiated rates set with suppliers so I doubt it has worked out any better if...
by pqwerty
Mon Nov 19, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20916

Re: Vanguard lowering Admiral level to $3,000?

Cool, I tried to convert but it didn't work. Gave me the option with TBM ... then when I accepted the conditions it came back with "No eligible funds found". Oh well, guess let them work it out and try again later.
by pqwerty
Sun Nov 11, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1318

Re: Help Me Buy A New Front Door

I've never personally looked into this, but I've heard there are websites where you can post jobs like this and local contractors will give you estimates on the work. I guess still no guarantee they show up and I am sure there are scams, but maybe worth googling around ... hopefully someone will eve...
by pqwerty
Fri Nov 02, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1132

Re: RE Newbie: Buying Family Owned Home

There are various (legitimate) ways of determining that a sale is not discounted to the point where you have to be concerned about it. Check this out before finalizing the sale. I'm not sure what that mean. Like is it a money pit? No, the home has been properly maintained, by me. The discounted pri...
by pqwerty
Fri Nov 02, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1132

Re: RE Newbie: Buying Family Owned Home

Not planning on a mortgage. I will try and find a real-estate lawyer in the area and see about the cost for something like this. Thanks everyone.
by pqwerty
Fri Nov 02, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1132

Re: RE Newbie: Buying Family Owned Home

Cool, I was considering a RE lawyer...sounds like my mind is heading in the right direction. Thank you very much for your reply. So basically lowering my cost basis would mean that I would have to pay more in capital gains taxes when/if I sell the house? I thought I have heard a person gets 1 real-e...
by pqwerty
Fri Nov 02, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1132

RE Newbie: Buying Family Owned Home

Hi Everyone, I am strongly considering buying a house I have been living in for the last 7 years. It belongs to a close relative who will sell it to me for significantly less than the house is worth. The relative doesn't live in the house with us, they live in a different state far away from this pr...
by pqwerty
Wed Oct 24, 2018 9:13 am
Forum: Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 3916

Re: 32M burned out from active investing

Setup a simple portfolio and max out the accounts. Read the forum, tinker a little to scratch the itch. Indexing gets boring, you will eventually find better things to do with your time than stare at your investments. You check daily, then weekly ...eventually the only reason you will know the marke...
by pqwerty
Sat Oct 13, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1460

Re: Drop in MPG (09 Civic)

If they haven't been done recently I would start with plugs and coils. Just my opinion...
by pqwerty
Wed Oct 10, 2018 10:37 am
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 4774

Re: West Michigan Bogleheads Chapter - Who's interested?

I'm interested, live in SE GR.
by pqwerty
Tue Sep 04, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4230

Re: Neighbor Fencing question

My next-door neighbor installed a fence that he pulled out a a dumpster (literally). :annoyed To the OP - I'd gladly pay for half a fence if I had input about the fence. The alternative could be worse. Yup, same here. I remember the guy putting it up in the dark attempting to smash the posts down w...
by pqwerty
Tue Jul 24, 2018 10:44 am
Forum: Personal Investments
Topic: Leaving Edward Jones
Replies: 33
Views: 3934

Re: Leaving Edward Jones

I don't think there are any gotchas. EJ will charge you a fee of $95/account for closing the account. If you transfer in-kind, double check that there is no fee for selling the funds at the company you are transferring. If you have a bunch of funds this could add up quick. There are existing threads...
by pqwerty
Mon Feb 05, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 8832

Re: Cheap cell phone plans

Check out FreedomPop, it uses Sprint's network.
by pqwerty
Sun Jan 21, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 41
Views: 3764

Re: Xfinity broadband: should I try to negotiate a better deal?

Cancel the service and then have someone in your house sign up for the current promotional deal. I've personally done with Comcast in the last year without any issues.
by pqwerty
Mon Nov 27, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 41
Views: 4592

Re: Google Project Fi - "Device Protection" problem

I'm sorry to hear about theses instances. I didn't have any insurance or protection on the Nexus 5X phone I bought from Google and it stopped taking a charge earlier this month. It was less than a year old so I called Google on 11/15/2017 they agreed to replace it with a refurbished Nexus 5X phone. ...
by pqwerty
Wed Sep 27, 2017 6:39 pm
Forum: Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2842

Re: Edward Jones (again)

I felt betrayed...even with the load paid I wasn't going to stay.
by pqwerty
Fri Sep 15, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 6267

Re: Equifax Credit Freeze 100% online

Both the website and the phone # for Equifax keep returning errors when I try and freeze. They have also notified me my personal information has been compromised. I called the call center and the person wasn't helpful. They referred me to the phone # and website I had already tried. When I was short...
by pqwerty
Mon Aug 28, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 3017

Re: Comcast got me over a barrel-Help

Comcast considers you a new customer every 6 months. If you live with someone, just cancel your current service. You will need to talk to someone, just tell them you are moving out of the country. Then have the person you live with sign up for whatever deal is going on. We have been getting $19.99/m...
by pqwerty
Sun Aug 27, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 16107

Re: Is Amazon Prime worth it?

My prime is shared with two other accounts, something I think they stopped a few years back. So they get free two day shipping on their account without having to log into my account at no extra cost. They can't use video though... My bonuses at work come in the form of gift cards, which I always req...
by pqwerty
Fri Aug 11, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 3107

Re: Be aware of Project Fi, Google sometimes is evil

I thought it was very non-evil when they credited users for data that didn't post correctly last month ... taking that $0.80 to the bank baby!
by pqwerty
Fri Jul 21, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4922

Re: Is there any reason not to? [4% Checking]

This is very similar to Lake Michigan Credit Union's Max Checking. If started out at 4% then a few years back they changed the rate to 3%. LMCU doesn't have any fees or minimum balance requirements. Also they are changing their 10 transactions requirement in August to include debit and credit card t...
by pqwerty
Sat May 20, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?
Replies: 26
Views: 2165

Re: Anyone know what "book" an advisor or insurance salesperson would offer to buy for a prospective client?

My dad's Edward Jones advisor gave us a book as a wedding present ... I have never even met the dude. I read it .... basically one of those "give up Starbucks and you can be a millionaire". I brought it on the honeymoon but didn't make it all the way though... :sharebeer
by pqwerty
Sun May 14, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 7063

Re: Switch from iPhone to Google Fi and Pixel?

My wife and I are both on fi, we will pay 2 dollars for data this month. My work gets nothing but Verizon but using Fi Switch I can roam on US Cellular... doesn't matter since Fi seems to prefer WiFi anyway.
by pqwerty
Mon May 08, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 3152

Re: Cord Blood Banking

Have you decided for or against it? Or have your donated? Reasons against doing it, other than the cost? My wife and I can afford it, but it's a very strange purchase that is mostly based on guilt of not doing everything within our means to protect our child...even though I highly doubt the blood w...
by pqwerty
Thu Apr 13, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: netflix
Replies: 11
Views: 1891

Re: netflix

I was just in queretaro a couple weeks ago. Netflix worked fine ... assuming you have decent WiFi.
by pqwerty
Sun Apr 02, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: FreedomPop Mobile Phone & Internet Service
Replies: 6
Views: 994

Re: FreedomPop Mobile Phone & Internet Service

My buddy uses FP. We live in West Michigan. It doesn't work many places. He does the majority of his calls and texts over WiFi. If reliability is important to you I wouldn't recommend it. Based on his experience it would not be worth a dollar to me.
by pqwerty
Tue Feb 28, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7135

Re: Don't pay full price for cable TV

My wife and I did this recently. It worked but I feel it is a little dishonest. The bill was in her name and we were at the end of our $19.99/month special so she called and cancelled. The cable company had the same deal going on so right after she cancelled I signed up, had to pay $40 for a self-in...
by pqwerty
Sun Feb 26, 2017 5:48 pm
Forum: Personal Investments
Topic: Transition from Edward Jones to Vanguard
Replies: 7
Views: 1035

Re: Transition from Edward Jones to Vanguard

You are on the right track. Don't pay anyone for the transfer... you can initiate it on Vanguard's website. Any questions can be answered by the forum or Vanguard. Also, when complete you will learn something new and help others in the same situation. Make sure you understand the possible fees assoc...
by pqwerty
Wed Feb 08, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Two-Fund Portfolio Role Call
Replies: 67
Views: 10843

Re: Two-Fund Portfolio Role Call

Yep -

Roth IRA
90/10 AA
VTSAX/VBMFX

I work for a megaCorp so my 401(k) is through Fidelity but they don't have tickers (...or at least I don't think they do).
401(k)
90/10 AA
U.S. LARGE CAP/US AGG BOND
by pqwerty
Tue Jan 24, 2017 10:16 am
Forum: Personal Investments
Topic: Edward Jones [Looking for alternatives]
Replies: 85
Views: 9327

Re: Edward Jones [Looking for alternatives]

I was also a victim of EJ . I wouldn't say you definitely need an advisor, I would poke around the forum and the wiki for a couple months and then reevaluate. A portfolio can be pretty easy to setup and maintain, for many it is picking a single retirement date fund and plowing money into it for 30 y...
by pqwerty
Thu Jan 05, 2017 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to use debit cards? Anybody here have one compromised?
Replies: 67
Views: 7587

Re: Is it safe to use debit cards? Anybody here have one compromised?

Last year someone got my debit card # and made a bunch of purchases. I had to go into the bank and sign something that said I didn't make the purchases. They cancelled my card and ordered me a new one. That was the end of it. Someone made some charges on my wife's credit card though the same bank a ...