Search found 173 matches

by PrettyCoolWorkshop
Wed Jun 19, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Bandaid that doesn't absorb medicine?
Replies: 9
Views: 712

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]
Replies: 67
Views: 2840

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: 2045

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: 1428

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: 393

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: 821

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: 2544

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: 3107

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: 3107

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: 958

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: 3990

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: 73
Views: 5156

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: 1394

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: 574

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: 574

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: 10712

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: 474

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: 474

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: 474

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: 474

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: 474

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: 1205

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: 2102

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: 2306

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: 2306

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: 2306

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: 2306

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: 2759

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: 924

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: 4448

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: 1399

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: 234

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...
by PrettyCoolWorkshop
Tue Dec 18, 2018 10:08 am
Forum: Personal Investments
Topic: Tax Loss Harvesting: Is opening cross possible with no cash on hand?
Replies: 3
Views: 234

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

Howdy folks. It looks like I need to do some tax-loss harvesting before the end of the year. I intend to log into my fidelity account, do a limit order to sell ITOT at the current asking price, and immediately after execution put in a limit order at the current bid price to buy a non-identical fund....
by PrettyCoolWorkshop
Thu Dec 06, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 2085

Re: Do I have a rebate, subsidy, savings for you!

Some of these practices are designed to capture consumer surplus, and they do it very well.
by PrettyCoolWorkshop
Thu Dec 06, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2091

Re: Should we sell farmland to coal company?

Selling the land to the coal company is clearly the better financial decision if you can get $800,000 and royalties. Whether this meets your criteria other than pure financial criteria (loyalty to the community, land as your legacy, etc) is up to you. Consider this- if you currently did not own any ...
by PrettyCoolWorkshop
Mon Dec 03, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3770

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

I imagine this thread is meant to stir the pot a bit... which I approve of. Considering alternatives to the consensus is a good exercise in creativity and planning. One factor you haven't considered is that if you pass away or become incapacitated, your heirs/ guardians will have to manage your port...
by PrettyCoolWorkshop
Fri Nov 30, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Mattress Reco
Replies: 21
Views: 1826

Re: Mattress Reco

After a good amount of research, I developed a good way to buy a mattress earlier this year. It worked well for me and I recommend it, and I posted about it here: viewtopic.php?f=11&t=249597 Buy a firm or very firm innerspring mattress. This does not have to be expensive, I got mine at IKEA for $300...
by PrettyCoolWorkshop
Mon Nov 26, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: When to stop and settle at one place?
Replies: 34
Views: 4399

Re: When to stop and settle at one place?

To me, a big part of the question is your friends and family. I have a large group of friends that I treasure that lives in my city. It would break my heart a bit to leave them. I'm a big nerd, so it would probably take me years and years to build up a comparable group of friends again, if I even co...
by PrettyCoolWorkshop
Wed Nov 21, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Why won't amazon adjust a price or otherwise credit me?
Replies: 14
Views: 1911

Re: Why won't amazon adjust a price or otherwise credit me?

Activation energy. It is a bunch more trouble for the customer to take the item, put it back in the box, and drive to UPS to go return it than it is for the customer to contact customer service and beg for an adjustment. More trouble means they do it less often, which works out to better $ for Amazon.
by PrettyCoolWorkshop
Tue Nov 20, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2549

Re: Good oil for cooking and salad?

In our house we use bacon fat, butter, olive oil (regular & EVO), & coconut oil (the non flavored kind). Just depends on if we're frying, sauteing, baking or flavoring. I've read articles about the use of Hexane in the processing of canola & vegetable oils. These are the most prevalent types of oil...
by PrettyCoolWorkshop
Fri Nov 16, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 2040

Re: What convenience fees does your city charge for credit card use?

My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed $2 per credit card transaction regardless of the amount due? Yes, no matter what my water bill is, if I want to use a cc/debit card to pay my monthly bill online, they charge 2 bucks. I can...
by PrettyCoolWorkshop
Mon Nov 12, 2018 4:04 pm
Forum: Personal Investments
Topic: TLH Timing - IXUS to VXUS
Replies: 7
Views: 593

Re: TLH Timing - IXUS to VXUS

Here are an article and a recent thread about qualified dividends. Oughta clear up some details:

https://www.fidelity.com/tax-informatio ... -dividends

viewtopic.php?f=1&t=262292&p=4182750#p4182750
by PrettyCoolWorkshop
Mon Nov 12, 2018 2:30 pm
Forum: Personal Investments
Topic: TLH Timing - IXUS to VXUS
Replies: 7
Views: 593

Re: TLH Timing - IXUS to VXUS

I would like to understand the rationale regarding timing of distributions.
by PrettyCoolWorkshop
Mon Nov 12, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: At what point does a life insurance policy not make sense?
Replies: 17
Views: 2214

Re: At what point does a life insurance policy not make sense?

I think that the answer to this question has many subjective variables. For example, to what extend do your dependents depend on you? Imagine the cases of: case 1: You are the sole breadwinner, with take home pay of $70,000.You have accumulated investments of $200,000. Your family's cost of living i...
by PrettyCoolWorkshop
Thu Nov 08, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Home Design CAD program for Mac or iPad
Replies: 7
Views: 544

Re: Home Design CAD program for Mac or iPad

Sketchup (formerly a google product, now from the smaller software company Trimble) is a great CAD tool that is easy to use. Probably has an easier learning curve than anything else out there. It is not specifically focused on architecture, but plenty of people use it for that purpose. Very versatil...
by PrettyCoolWorkshop
Thu Nov 08, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 4357

Re: 426% return if there is a recession in 2019?

Bogleheads encourage fiscal discipline, and fun money is poor discipline. Endearment of this behavior is contrary to Boglehead’s philosophy and doesn’t have a place on this forum. Please don’t promote such fiscal recklessness. I think it is worth entertaining the idea that you are smarter than the ...
by PrettyCoolWorkshop
Tue Nov 06, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Ally doesn't allow using accounts for business...where to go for free checking for wholesale biz?
Replies: 3
Views: 295

Re: Ally doesn't allow using accounts for business...where to go for free checking for wholesale biz?

Sole Proprietorships generally do not require a separate bank account. It may be desirable to have a separate account for the purpose of keeping track of income and expenses more easily. Especially considering that it sounds like it does not have any employees, it may be convenient enough to you to ...
by PrettyCoolWorkshop
Mon Nov 05, 2018 1:52 pm
Forum: Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 7698

Re: Is it a waste keeping money in a money market maccount?

In my experience, money market account yields have not done any better than bank account yields since I've been an adult (about a decade). Currently, FZFXX offers a yield of 1.83% while ally penalty free CD's are offering 2.1%. I am also not 100% sure whether the FZFXX yield includes its expense ra...
by PrettyCoolWorkshop
Fri Nov 02, 2018 2:37 pm
Forum: Personal Investments
Topic: Is it a waste keeping money in a money market account?
Replies: 33
Views: 7698

Re: Is it a waste keeping money in a money market maccount?

In my experience, money market account yields have not done any better than bank account yields since I've been an adult (about a decade). Currently, FZFXX offers a yield of 1.83% while ally penalty free CD's are offering 2.1%. I am also not 100% sure whether the FZFXX yield includes its expense rat...