Search found 190 matches

by PrettyCoolWorkshop
Mon Oct 28, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2415

Re: Popeyes Chicken Sandwich [is it a good value]

Last I checked, the sandwich had a P/E (poultry/eating) ratio approaching 1.00. Almost every sandwich produced has been eaten.

The technicals here show a strong value.
by PrettyCoolWorkshop
Fri Oct 18, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Key Ring
Replies: 11
Views: 1436

Re: Key Ring

Buy this 5-pack, wait 2 months for shipping, then enjoy them.

https://www.ebay.com/itm/5PCS-Stainless ... I&LH_BIN=1
by PrettyCoolWorkshop
Wed Oct 16, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mediate or Arbitrate?
Replies: 13
Views: 1650

Re: Mediate or Arbitrate?

Wow, thanks for the update. I'm curious, how much did the GC try to charge you for all the work that was done?
by PrettyCoolWorkshop
Fri Oct 11, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3717

Re: Seiko Watch

I would say that they are identical for most people, the solar charging is mostly a vanity feature. That being said, most features on watches are vanity features. Go for the solar, it's got better features at a lower price. You may appreciate the solar more if you get it wet often- after changing my...
by PrettyCoolWorkshop
Tue Oct 08, 2019 2:09 pm
Forum: Personal Investments
Topic: Gnarly defaulted Puerto Rico muni bond cost basis question
Replies: 3
Views: 567

Re: Gnarly defaulted Puerto Rico muni bond cost basis question

It is unclear to me whether the 38 cent payment represented 100% of the payments the insurer intends to pay. Could you clarify this? (My thinking is that) if the insurer intends to eventually make the bondholders 100% whole,38% whole, or, for example, 60% whole, your tax question's answer will be di...
by PrettyCoolWorkshop
Fri Aug 23, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 18
Views: 1126

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

I second Audacity for being an excellent audio editor. Free. I second GIMP for being an excellent photo editor. Free. Paint.net is another excellent photo editor. It is more lightweight/ less capable than GIMP, but still very capable. Free. Inkscape is an excellent vector graphics editor (to compare...
by PrettyCoolWorkshop
Fri Aug 16, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

A Thursday evening filing with the SEC revealed that Culp bought 252,200 shares for about $7.93 each. Culp has roughly doubled his holding of GE shares this week, according to the filing. I'm more alarmed the CEO of GE only had $2m worth of stock before yesterday. Per, I think, this morning's WSJ, ...
by PrettyCoolWorkshop
Fri Aug 16, 2019 9:50 am
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4949

Re: I live a frugal life. I have 37 years annual expenses. What allocation would you pick? Age 50 Retired

[replies from the OP's duplicate topic were merged into this thread - moderator prudent]

Assuming you live in the US, I would recommend 30% US Total Stock Market Index, 30% World Ex US Total Stock Market Index, and 40% US Gov't Bond Index.
by PrettyCoolWorkshop
Thu Aug 15, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

There are so many laws about insider trading and other things involved with knowledge about how a stock could go. How could it be legal for a company to take a short position and then publish information that might make the stock tank? I believe that there is a fairly large amount of case law about...
by PrettyCoolWorkshop
Thu Aug 15, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

I do not have much to add to the story, more info is at the link below. https://www.cnbc.com/2019/08/15/ge-shares-drop-after-madoff-whistleblower-harry-markopolos-raises-red-flags-on-its-accounting.html The guy that did the whistleblowing is an interesting fellow- he is a forensic accountant. His c...
by PrettyCoolWorkshop
Thu Aug 15, 2019 10:42 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 11101

GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

I do not have much to add to the story, more info is at the link below. https://www.cnbc.com/2019/08/15/ge-shares-drop-after-madoff-whistleblower-harry-markopolos-raises-red-flags-on-its-accounting.html The guy that did the whistleblowing is an interesting fellow- he is a forensic accountant. His cl...
by PrettyCoolWorkshop
Tue Aug 06, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Calibrating your Confidence and Why It Matters for Investing
Replies: 9
Views: 871

Re: Calibrating your Confidence and Why It Matters for Investing

I am not sure I agree with this assessment. In fact, I have been a highly "confident" investor my whole life and consider myself a Boglehead. I am highly confident that over the extremely long term stocks will outperform bonds. So far, so good. Highly active traders very often have the same exact l...
by PrettyCoolWorkshop
Mon Aug 05, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: Calibrating your Confidence and Why It Matters for Investing
Replies: 9
Views: 871

Calibrating your Confidence and Why It Matters for Investing

You may or may not have heard of the concept of "calibrating your confidence." It is a formal process to determine whether you successfully predict outcomes of events in proportion to how likely you believe these outcomes to occur. On another level, it also lets you know whether your model of the wo...
by PrettyCoolWorkshop
Fri Jul 26, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14309

Re: Equifax Settlement Claims

I imagine that capital one's free CreditWise service counts as "credit monitoring" by whatever criteria the settlement defines it by. It would be good to know for sure though.
by PrettyCoolWorkshop
Fri Jul 12, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 1976

Re: A good name for a donor advised fund

I sat here thinking about what to say, and "The Altruistish Fund" made me chuckle.
by PrettyCoolWorkshop
Wed Jul 10, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1992
Views: 208061

Re: S&P 500 hit 3,000 today

Today I will celebrate by eating 2 peanut butter sandwiches, not just 1.
by PrettyCoolWorkshop
Tue Jul 09, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 8047

Re: Buying a Smoker

I do not have direct experience with a smoker, but I basically smoke chicken legs when I grill them on my weber kettle charcoal grill. Grilling at 250°F for 2 to 2.5 hours is basically smoking. So for folks that want to experiment, and who already own a charcoal grill, start by playing around with l...
by PrettyCoolWorkshop
Wed Jun 19, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Bandaid that doesn't absorb medicine?
Replies: 9
Views: 779

Re: Bandaid that doesn't absorb medicine?

I can also vouch for tegaderm. I got sent home with extra tegaderm after a doctor visit a few years ago, and I've been using it for medium and large wounds ever since then. Great stuff.

Does anybody know of a cheaper off-brand name for the same sort of stuff? I'll need to re-up my supply soon.
by PrettyCoolWorkshop
Wed Jun 12, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs, SECURE Act]
Replies: 89
Views: 4852

Re: "Help Is Almost Here for Retirement Savers"

Compare that with the current system, under which Americans with individual accounts must currently decide how to invest their retirement savings as they are accumulating them. That was an insane idea. Why did we turn ordinary Americans into money managers, burdened with the task of figuring out wh...
by PrettyCoolWorkshop
Wed Jun 05, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2260

Re: How do you talk to investment advisors socially?

I met an investment advisor while my wife and I were flying on a plane to the Berkshire Hathaway Shareholders Meeting, which he also happened to be attending. Considering the nature of the event, we were both able to size each other up pretty quick, and that helped a lot. It was very funny some of t...
by PrettyCoolWorkshop
Mon Jun 03, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1665

Re: Reliable Wireless Mouse?

I think all mice have an good chance of randomly dying. The best way to guarantee reliability is to buy a mouse that is made by the millions. Also, the M310 can be had for <$10, so just grab a couple of them and let them die randomly for the next decade-and-a-half. https://www.ebay.com/sch/i.html?_f...
by PrettyCoolWorkshop
Fri May 31, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on a hydrid CS-design degree
Replies: 5
Views: 431

Re: Your thoughts on a hydrid CS-design degree

If he is at all enamored with video game design, it may be worth informing him that drones of lowly-paid programmers slave away at video games, and accept low pay because of the idea that it is their passion; and if he wants to be an indie developer, it is a high stakes game where 99% of them fail t...
by PrettyCoolWorkshop
Fri May 31, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Chipped windshield getting worse
Replies: 16
Views: 934

Re: Chipped windshield getting worse

For future reference, you can get an easy DIY kit to fix a small chip yourself. Costs about $12 at the usual auto parts stores, and can fix a star or bullseye up to 1.25 inches in diameter. I did this myself the other week and had good results. Most importantly it prevents spreading. I would even be...
by PrettyCoolWorkshop
Mon May 20, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2821

Re: Wiper blade replacement

You can still get the rubber refills. I recommend rockauto.com or ebay.

You have to have the whippletree-style wipers that look like this. You can buy these in many places if you look. https://i.imgur.com/YhF1oQ1.jpg
by PrettyCoolWorkshop
Wed May 01, 2019 6:45 pm
Forum: Personal Investments
Topic: Berkshire Hathaway Annual Meeting - Anyone Going?
Replies: 16
Views: 3196

Re: Berkshire Hathaway Annual Meeting - Anyone Going?

I'll be traveling with one of my friends whose investment philosophy is much more similar to a day trader than a boglehead. You may be able to convert him :)
by PrettyCoolWorkshop
Mon Apr 29, 2019 11:24 am
Forum: Personal Investments
Topic: Berkshire Hathaway Annual Meeting - Anyone Going?
Replies: 16
Views: 3196

Re: Berkshire Hathaway Annual Meeting - Anyone Going?

I am reviving this thread to hopefully see if anybody around here is going this year.

I'm going and would be glad to hang out with some Bogleheads who are in attendance.
by PrettyCoolWorkshop
Wed Apr 17, 2019 3:03 pm
Forum: Personal Investments
Topic: 61 days holding period for qualified dividend
Replies: 10
Views: 1017

Re: 61 days holding period for qualified dividend

Usually in situations like this, LiveSoft shows up to dispense wisdom, as the oracle of wash sales.

You can PM him for clarity if desired.
by PrettyCoolWorkshop
Fri Apr 05, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4433

Re: Where do you pay quarterly taxes?

If you use the citi double cash credit card, you can pay your quarterly taxes with a 1.88% fee and earn 2% cash back.

Other credit cards that have signup bonuses can also be used if you are into churning.
by PrettyCoolWorkshop
Thu Apr 04, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord looking to buy out my lease. Whats a reasonable price?
Replies: 75
Views: 6338

Re: Landlord looking to buy out my lease. Whats a reasonable price?

IMO some of these responses are well north of nuts. This isn't 11 months remaining on a new lease, this is four months and the OP already knew the lease would end and would have to move before now. OP already has to look for a new place in presumably less than four months. OP was already going to i...
by PrettyCoolWorkshop
Fri Mar 15, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Smoking tire/wheel/brake one week after wheel alignment
Replies: 24
Views: 1582

Re: Smoking tire/wheel/brake one week after wheel alignment

Yeah parking brake is possible. Hard to believe that the driver did not notice the lack of get up and go. > or a bad wheel bearing Usually this causes a very noticeable shrieking sound. My money is on the calipers or brake cylinder or parking brake. Some parking brakes are surprisingly weak once yo...
by PrettyCoolWorkshop
Fri Mar 15, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity Premium Services cost anything?
Replies: 4
Views: 1710

Re: Does Fidelity Premium Services cost anything?

Thanks, Strayshot. Looks like so far we have avoided getting "out of the frying pan, into the fire."
by PrettyCoolWorkshop
Fri Mar 15, 2019 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity Premium Services cost anything?
Replies: 4
Views: 1710

Does Fidelity Premium Services cost anything?

Howdy Bogleheads. I am currently in the process of transitioning my mother out of a financial advisor that charges ~1% AUM fee. I have now been set up as Power of Attorney for my mom. I am migrating her assets to Fidelity. One of my mom's friends suggested a person at Fidelity in her area we should ...
by PrettyCoolWorkshop
Wed Mar 13, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents' finances a disaster waiting to happen? Seeking advice.
Replies: 105
Views: 11561

Re: Are my parents' finances a disaster waiting to happen? Seeking advice.

Thank you for the many quick replies. To address some of the comments: How do people that old get a 30 year mortgage? They have a VA loan. I understand you are concerned, but their (very secure) income is about 2x the average US household income. Their income looks to be pretty safe (unless the pen...
by PrettyCoolWorkshop
Wed Feb 27, 2019 11:45 am
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 527

Re: Is it possible to set up automatic montly security sales in a Fidelity account?

You asked if there were any drawbacks. The primary ones I can envision is that this seems like a tax nightmare and a rebalancing nightmare to me (assuming a taxable account). If it were me, I would just transact manually maybe once per year. That way it is easier to keep track of the tax impacts an...
by PrettyCoolWorkshop
Wed Feb 27, 2019 11:07 am
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 527

Re: Is it possible to set up automatic montly security sales in a Fidelity account?

You asked if there were any drawbacks. The primary ones I can envision is that this seems like a tax nightmare and a rebalancing nightmare to me (assuming a taxable account). If it were me, I would just transact manually maybe once per year. That way it is easier to keep track of the tax impacts an...
by PrettyCoolWorkshop
Wed Feb 27, 2019 11:05 am
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 527

Re: Is it possible to set up automatic montly security sales in a Fidelity account?

Murgatroyd wrote:
Tue Feb 26, 2019 2:28 pm
I believe the key word under point #1 is ELIGIBLE. To probably mean only Fidelity brand funds.
This is likely true, that only fidelity mutual funds would be eligible. I'll confirm this soon.
by PrettyCoolWorkshop
Tue Feb 26, 2019 2:01 pm
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 527

Re: Is it possible to set up automatic montly security sales in a Fidelity account?

Sorry to dump a customer service question on you guys. I ended up contacting fidelity directly to ask the same question through their online chat. Fidelity has a webpage to set up automatic scheduled withdrawals. This webpage is mostly intended for withdrawing from your cash/core position, and may a...
by PrettyCoolWorkshop
Tue Feb 26, 2019 12:18 pm
Forum: Personal Investments
Topic: Is it possible to set up automatic montly security sales in a Fidelity account?
Replies: 8
Views: 527

Is it possible to set up automatic montly security sales in a Fidelity account?

My mom will soon be needing a set-up where she sells some stocks monthly to pay for her cost of living. Is it possible to automate this, so that every month a certain dollar amount will be sold and then the proceeds will be transferred to her bank account? Preferably using a Fidelity brokerage accou...
by PrettyCoolWorkshop
Mon Jan 21, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 16
Views: 1243

Re: Student Loans

Your post needs a couple more details to get a decent answer. What are the balances on each separate loan (if multiple)? What is/are the interest rate on the loan(s)? What is/are the minimum payment(s) on the loan (if not using income-based repayment)? How many years are left on the income-based rep...
by PrettyCoolWorkshop
Mon Jan 14, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Taking expensive DSLR on kayak?
Replies: 41
Views: 2272

Re: Taking expensive DSLR on kayak?

In a quarter century of track driving in various racecars, I've never had a car catch on fire. Yet I wear a fire suit. Saying you've been kayaking for 25 years and never tipped over is meaningless. Assume you and your camera are going overboard. Now have a plan where that works out well for you. An...
by PrettyCoolWorkshop
Mon Jan 14, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 2754

Re: Experience with HSA to HSA trustee transfer?

PrettyCoolWorkshop - Thank you! I am sure your effort in writing all that will help more than just me. Not many people have been commenting on my thread about my ongoing attempts to liquidate my investments at BenefitWallet, but I've been getting lots of views. Also ... in a misery loves company ve...
by PrettyCoolWorkshop
Mon Jan 14, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 2754

Re: Experience with HSA to HSA trustee transfer?

Sure. The employer HSA was through BenefitWallet. Do you remember if you tried to initiate the trustee-to-trustee transfer from the BenefitWallet end or the Fidelity end? I'm a little confused because you said you had to send BenefitWallet a paper form, but the only transfer-related form they have ...
by PrettyCoolWorkshop
Mon Jan 14, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 2754

Re: Experience with HSA to HSA trustee transfer?

I did a transfer from an employer HSA to a Fidelity HSA about a year ago. It required sending in a paper form by mail, and waiting 8 weeks for the estimated time for the normal process to complete. After 10 weeks, nothing had changed, and I had to call them repeatedly, eventually getting all 3 part...
by PrettyCoolWorkshop
Mon Jan 14, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 2754

Re: Experience with HSA to HSA trustee transfer?

I did a transfer from an employer HSA (EDIT: it was BenefitWallet) to a Fidelity HSA (my wife's employer) about a year ago. It required sending in a paper form by mail, and waiting 8 weeks for the estimated time for the normal process to complete. After 10 weeks, nothing had changed, and I had to ca...
by PrettyCoolWorkshop
Tue Jan 08, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Need a little insight from STEM Bogleheads
Replies: 59
Views: 2923

Re: Need a little insight from STEM Bogleheads

Financially, the PhD path is unlikely to be a good decision. FWIW, the only mathematics grad student I know (a good friend) is deep in debt. He is unsure of what path in life he should follow after graduation, as it is unclear whether he has any desireable options after graduation that use his speci...
by PrettyCoolWorkshop
Tue Jan 08, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 979

Re: Engineer Co-op question

Your situation is different from most co-op engineering students I know, who went to college immediately after high school. For them, I do not recommend a co-op. Co-op rotations take a lot of time, and can delay graduation by a year or more. They usually pay much less than the salary you would earn ...
by PrettyCoolWorkshop
Fri Jan 04, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4684

Re: What do you think of this advice?

The most shocking line of the article was this to me: It is worth noting that, on an inflation adjusted basis, if you bought in 1906, and later missed your brief opportunity to sell at a profit in the late 1920’s, then you didn’t break even for nearly 50 years. It’s pretty dangerous to be “buying th...
by PrettyCoolWorkshop
Sun Dec 30, 2018 9:06 am
Forum: Personal Investments
Topic: More TLH questions...(pl help!)
Replies: 22
Views: 1567

Re: More TLH questions...(pl help!)

Livesoft, I noticed you have been first to reply on many TLH related questions recently. I would like to thank you for your contributions.
by PrettyCoolWorkshop
Tue Dec 18, 2018 10:50 am
Forum: Personal Investments
Topic: Tax Loss Harvesting: Is opening cross possible with no cash on hand?
Replies: 3
Views: 250

Re: Tax Loss Harvesting: Is opening cross possible with no cash on hand?

Thanks for the replies, livesoft. I agree that I'm worrying about small potatoes. As a sanity check, the bid-ask spread for ITOT is $0.02 on a share price of $58.09. Crossing this spread twice (assuming the replacement fund is similar) costs .068% of your trade, or $68.85 for every $100k invested. I...