Search found 1626 matches

by F150HD
Wed Nov 14, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 29
Views: 1039

Re: Understanding the difference in cell phone OS types

Over 80% of all smartphones run Android. Can't argue the data.

Of course....there are alternatives.... :P
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by F150HD
Wed Nov 14, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 53
Views: 5323

Re: Strategy during the last stock market decline

I went with what was behind door #3. My IRA money was in a T. Rowe Price target date fund which took a big hit because they believed in a higher equity ratio than most other target date funds . I thought it would be a big mistake to make any changes at the time and that proved to be correct as it r...
by F150HD
Wed Nov 14, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 53
Views: 5323

Re: Strategy during the last stock market decline

I went with what was behind door #3. My IRA money was in a T. Rowe Price target date fund which took a big hit because they believed in a higher equity ratio than most other target date funds . I thought it would be a big mistake to make any changes at the time and that proved to be correct as it r...
by F150HD
Tue Nov 13, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 29
Views: 1916

Re: 457 vs 403b

________________
by F150HD
Mon Nov 12, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 29
Views: 1916

Re: 457 vs 403b

an issue I've read w/ some 457s and 403s is they do not allow ETF purchases. Is this standard most everywhere? I wonder if this is more difficult b/c one can purchase partial shares of a mutual fund but only whole shares of an ETF so its a snag when $$ flows into the account to make an 'automatic' p...
by F150HD
Sun Nov 11, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

Automatic 401k contributions directed to BrokerageLink are usually deposited into a money market (MM) fund or possibly some other mutual fund. This fund is called a "sweep account". From what I can gather, different employers have different restrictions on what that sweep account can be. Yours migh...
by F150HD
Sun Nov 11, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

2) At VG, what is the difference between these 2? one has a higher ER. Would either do? Vanguard Small-Cap Value ETF (VBR) ER 0.07% Vanguard S&P Small-Cap 600 Value ETF (VIOV) ER 0.20% Now am also seeing VTWV - Vanguard Russell 2000 Value ETF ER 0.20% :confused Most investors (probably the vast maj...
by F150HD
Sun Nov 11, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

Brokeragelink allows ETFs didnt want this thread to drift to that discussion & take the thread off course....w/ DCA in tax deferred have been told multiple times it cannot, as stated going to call again Monday & reinquire. Guessing it has something to do w/ the auto-investing when money comes in- e...
by F150HD
Sun Nov 11, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

2) At VG, what is the difference between these 2? one has a higher ER. Would either do?

Vanguard Small-Cap Value ETF (VBR) ER 0.07%

Vanguard S&P Small-Cap 600 Value ETF (VIOV) ER 0.20%
Now am also seeing VTWV - Vanguard Russell 2000 Value ETF ER 0.20%

:confused
by F150HD
Sun Nov 11, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

2 questions. 1) What small cap value index funds are suggested for Fidelity accounts? I see a small cap index , but its not specifically a 'value' fund. All their 'small cap VALUE' funds have an ER significantly higher the the small cap index fund. - 2) At VG, what is the difference between these 2...
by F150HD
Sat Nov 10, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Mid and Small Caps?
Replies: 38
Views: 3104

Re: Mid and Small Caps?

2 questions. 1) What small cap value index funds are suggested for Fidelity accounts? I see a small cap index , but its not specifically a 'value' fund. All their 'small cap VALUE' funds have an ER significantly higher the the small cap index fund. - 2) At VG, what is the difference between these 2?...
by F150HD
Sat Nov 10, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan Fido Brokeragelink and FZROX and FZILX
Replies: 5
Views: 882

Re: Retirement plan Fido Brokeragelink and FZROX and FZILX

Interesting....toyed w/ using one or both of them in my Brokeragelink but was waiting to see how things developed as they were new. Related question FSMAX - Fidelity® Extended Market Index Fund - Institutional Premium Class ER 0.045% vs FSMDX - Fidelity® Mid Cap Index Fund - Institutional Premium Cl...
by F150HD
Sat Nov 10, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6015

Re: How to stop junk mail for a deceased person

quantAndHold wrote:
Fri Jan 29, 2016 3:44 pm
This site might help: https://www.ims-dm.com/cgi/ddnc.php
Reading the privacy policy there....sounds more like signing up for advertising....AKA the potential for even more spam.

YMMV
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by F150HD
Sat Nov 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6015

Re: How to stop junk mail for a deceased person

There can be some good deals... My grandmother died a couple years ago at 98 and every couple months she still gets a coupon for a free pair of panties at Victoria Secrets. My wife takes the coupon and pretends to be my grandmother. I like to joke with her and ask if she is wearing granny underpant...
by F150HD
Thu Nov 08, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 1723

Re: Updating Microsoft Word

Anything I create in Word now, I also duplicate and save as a PDF as sure enough in a year or few if I need to edit in an upgraded version of the program, it just doesn't work that well.
by F150HD
Thu Nov 08, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 447
Views: 42345

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

IcedDog wrote:
Wed Nov 07, 2018 12:35 am
Did existing Ally customers automatically get included, or did they also have to actively enroll in the promotion? I've had an Ally savings account for years, but didn't hear about this until just recently.
similar here, didn't hear a thing.
by F150HD
Wed Nov 07, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3540

Re: Paper or Paperless? How and what financial records do you keep?

I'm the kind of person who stores every paper bank, credit card, mortgage, investment, and pay statement and then files them away in annual financial folders by year. For what purpose I'm not exactly sure but I have folders of records going back 25 years. Not to be morbid, but..... who gets to clea...
by F150HD
Mon Nov 05, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4098

Re: Mice

Agree with using the victory traps with peanut butter. I like to put them on a piece of newspaper so that when it catches a mouse I just pick up the paper. I also keep putting out traps until I don’t catch any more mice I thought you were going to say...that way the mouse has something to read whil...
by F150HD
Mon Nov 05, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4098

Re: Mice

deleted
by F150HD
Mon Nov 05, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]
Replies: 8
Views: 1157

Re: FUSVX vs. FXAIX [Fidelity® 500 Index - Premium vs. Institutional]

If you check your emails from August 1 onwards, I'm sure you will find several emails from Fidelity announcing the changes they have been making to their index funds. This is a big deal and has had a lot publicity, including in the news media. All the changes are to your benefit. Never received any...
by F150HD
Mon Nov 05, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3909

Re: Post FiRE job...teaching??

TheOscarGuy wrote:
Sun Nov 04, 2018 11:21 am
Why only community college and not high school, or earlier? Maybe the 'job' might be easier and more rewarding if you are teaching younger audience.
you think teaching HS (or younger) will be EASIER then college courses? lol
by F150HD
Sun Nov 04, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5886

Re: Deal fell through and didn't get escrow money.....

Nate79 wrote:
Sat Nov 03, 2018 8:44 pm
I think your friend didn't understand what a contingency was. Their realtor should have explained in detail what it meant to accept an offer with a contingency.
+1

sounds like they should work w/ a different realtor who makes it very clear what is going on, which clearly theirs did not.
by F150HD
Sun Nov 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4098

Re: Mice

Big thread on this last winter if you search for it. Also important to know what NOT to buy. DCon Bait stations with the green square poison. These are worthless . They changed the 'ingredients' years ago and they no longer kill mice, but, you'll then notice lots of green mouse poop around your home...
by F150HD
Sun Nov 04, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 778

Re: tips to protect identity

Freezing is the big thing, tons of threads on that during the equifax debacle a year back. My ATM card is only that, its not a 'debit' card too, never will be. Someone stealing an ATM/Debit can drain your bank account at a store (or at least hit the daily limit a few times) and then your checks and ...
by F150HD
Sat Nov 03, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's FUSVX became FXAIX on Nov. 2
Replies: 6
Views: 1033

Re: Fidelity's FUSVX became FXAIX on Nov. 2

reading the PDF.

Some of those were 'Spartan' funds not too long ago? hope this isn't the trend to keep changing names every few years. Gets confusing.
by F150HD
Fri Nov 02, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Equifax Data Breach
Replies: 9
Views: 1061

Re: Equifax Data Breach

We are now pleased to let you know that Equifax has chosen Experian®, one of the three nationwide credit bureaus, to provide you with an additional year of free credit monitoring service. strikes me as strange, kinda like McD's giving a coupon for a Whopper at Burger King. :confused Maybe I missed ...
by F150HD
Tue Oct 30, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value
Replies: 13
Views: 2421

First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value

Thats one heck of an investment .....for 1 cent. First U.S. Penny Will Be Auctioned for 100 Million Times Its Monetary Value ByWilla Rubin Updated Oct. 2, 2018 3:34 p.m. ET A prototype for the first U.S. cent will be auctioned for around $1 million—or 100 million times its trading value—later this m...
by F150HD
Sun Oct 28, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2852

Re: Washing machine/dryer shopping

I'm on the younger end of the spectrum, so this would be my first time buying either. Been renting a townhouse with washer/dryer hookups for 6 months, and just renewed the lease for another 12. Tired of wasting $10 every week using the apartment complex shared laundromat. Since I just renewed my le...
by F150HD
Sun Oct 28, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3866

Re: When to get a new toilet?

anyone install one of them new WIFI toilets yet?
by F150HD
Sun Oct 28, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3866

Re: When to get a new toilet?

repairing it has become almost an annual affair. He said my options were either $265 to replace all the innards unclear how this could cost $256? (every year?) the parts inside of it cost $25 max (unless its some kind of fancy toilet w/ really unique internal parts) If its this, vs a $400 toilet th...
by F150HD
Sun Oct 28, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Cash Parking Lot: Prime MM or limited term tax exempt?
Replies: 19
Views: 2475

Re: Cash Parking Lot: Prime MM or limited term tax exempt?

Kevin M wrote:
Fri Oct 26, 2018 12:12 pm
Momus wrote:
Fri Oct 26, 2018 11:47 am
Any tax advantage of federal MM vs. Prime MM?
Possibly, if you pay state income tax, and the government holdings of federal MM qualify for the state tax exemption in your state. Treasury MM is better, but has a minimum initial deposit of $50K.

Kevin
Excellent bit of info btw. :sharebeer
by F150HD
Sun Oct 28, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2462

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

I leave my dogs in my Ford F350. I lock the doors and leave the engine running, with AC maxed. For 2 hours or more. I do this all the time. It's never been a problem. so if someone breaks the window and steals the truck (assuming the dogs don't bite), will your insurance cover the theft? or are you...
by F150HD
Fri Oct 26, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27660

Re: How many of you have cut cord?

I spent my childhood whining about not having cable then finally got it before leaving for college. Haven’t had cable since leaving home. Too poor in college and too cheap afterwards. FOX news rocks. Period. The best thing that came out of my parents cutting the cord was getting rid of fox. They’re...
by F150HD
Sat Oct 20, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2924

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

xerxes101 wrote:
Sat Oct 20, 2018 11:54 am
...and also "yearly rate adjustment" :shock:. I have not filed for any claims during the past year, and neither of those two reasons are convincing or reasonable to me, especially the first one .
Have you had claims in other years? That's kinda how that reads to me.
by F150HD
Sat Oct 20, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is my IRA underperforming?
Replies: 15
Views: 1649

Re: Is my IRA underperforming?

I started a Roth IRA with Merrill Lynch back in March. I opened it with a max contribution of 11k (5.5k each for 2017 and 2018) right off the bat. As of today, it's currently at $10,730. I realize it's only been 8 months and the market has been a little rocky lately, but should I be ok with that? Y...
by F150HD
Sat Oct 20, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

Why is everyone so ready to get outraged so easily? Everything worked out by walking across the way to a competitor. Move on. It's not worth the energy. if its not worth the energy why are you expending the energy to post in this thread? Heeding your own advice, you should move on and post in a dif...
by F150HD
Sat Oct 20, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

I would write a letter of complaint..... Mention that the actions of Hertz (and its affliated companies) are not the type that foster the sense of a welcoming airport that travelers find attractive. Also state that it looks like a financial scam targeting the elderly (your dad for example) and is u...
by F150HD
Sat Oct 20, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5293

Re: Spoke with a CFP...underwhelming!

I am interested in working with an extremely wealthy financial advisor who has invested according to his own advice for many years and can provide me adequate documentation he has done so. You might want to read the classic book "Where are the Customers Yachts?" before you hire a wealthy financial ...
by F150HD
Fri Oct 19, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Best options for cash in Schwab brokerage accounts?
Replies: 59
Views: 13966

Re: Best options for cash in Schwab brokerage accounts?

I started putting some money into Schwab's SWVXX money market in May of this year. When I look at the "positions" tab, the gains/loss is 0% (which is disturbing, actually). I would like to be able to see online the $s gain/lost for that day, and the % gains/loss year to date for each fund. Or, if i...
by F150HD
Thu Oct 18, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5293

Re: Spoke with a CFP...underwhelming!

I am interested in working with an extremely wealthy financial advisor who has invested according to his own advice for many years and can provide me adequate documentation he has done so. You might want to read the classic book "Where are the Customers Yachts?" before you hire a wealthy financial ...
by F150HD
Thu Oct 18, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3715

Re: Forever Stamps as an Investment?

Hello, What are your thoughts of using forever stamps as an alternative investment / inflation hedge? I could buy thousands worth of forever stamps, and wait for the price of the stamps to rise. I could then sell them on a market like ebay, craigslist, etc. I looked up historical stamp prices and i...
by F150HD
Mon Oct 15, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13849

Re: Warning: avoid Windows 10 update 1803

MaxRN wrote:
Sun Oct 14, 2018 9:20 am
Chromebook...just sayin'...
web based stuff, sure....but if one is running programs, legacy programs, not worth a lot.
by F150HD
Sun Oct 14, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2722

Re: Making Winter Camping more comfortable

livesoft wrote:
Sat Oct 13, 2018 7:49 pm
I am about to do about 6 weeks of winter camping....I hike in tights
I think I speak for most when I say....this requires a picture! :D
by F150HD
Sun Oct 14, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13849

Re: Warning: avoid Windows 10 update 1803

I've had a similar experience. Using system restore in safe mode worked once and another time I had to do a "reset". I've now begun using Google Drive's "Backup and Sync" so I don't have to worry (as much) about losing files when Microsoft decides to release one of their semitested Windows 10 "feat...
by F150HD
Sun Oct 14, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13849

Re: Warning: avoid Windows 10 update 1803

So....I have disabled updates etc etc....then this pops up today??? I saw one can 'schedule' when this occurs, so I chose next Friday so I have some time to read up on this. This appears to be a normal cumulative update to build 1803. I do not think this is a major upgrade to 1809. How did you disa...
by F150HD
Sat Oct 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13849

Re: Warning: avoid Windows 10 update 1803

So....I have disabled updates etc etc....then this pops up today???

I saw one can 'schedule' when this occurs, so I chose next Friday so I have some time to read up on this.
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by F150HD
Wed Oct 10, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3374

Re: Best headphones under 500 bucks

wow. I cannot imagine paying $500 for a pair of headphones. Ever. regardless of how wealthy I ever was! It's a hobby like anything else. Far cheaper than things like watches, boats, ORV's, cycling, etc. That said, at work I spend 4+ hours a day with headphones on. Might as well invest in something ...