Search found 1132 matches

by F150HD
Thu Nov 23, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 26
Views: 1414

Re: Christmas gifts for lots of kids (experiences or stock)?

Having a couple young kids myself, I realize gifts are often played with two days then they go in a bin. I'm not a big gift giver/receiver or materialistic person myself. We have a bunch of kids we buys for of varying ages and locations. Was wondering if we could get everyone the same thing, ideall...
by F150HD
Wed Nov 22, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 29
Views: 1354

Re: Whole House Surge Protector still works with breaker off?

The electrician installed it in such a way that I'd have to remove the outer part of the panel to see if the 2 lights are on to show it is operating. A local licensed electrician is who installed it this way, hidden from view inside the panel cover. Do I need to go back to the contracting company a...
by F150HD
Tue Nov 21, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 43
Views: 2642

Re: GE - a good value?

Yup. Nortel fell from $125 to $25 and I "anchored" on that. This stock was once nearly 25% of the Canadian stock index, and the world's largest or 2nd largest telecoms equipment maker (before Alcatel-Lucent merger). Sold it in a charity sale for $0.01 a few years later. You didn't hang around for t...
by F150HD
Sun Nov 19, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: is Amazon a monopoly?
Replies: 15
Views: 711

is Amazon a monopoly?

...or, could it eventually be deemed one? Heard a snip this week that " ...Amazon accounts for $0.44 of every $1 spent online ". Have read/heard similar things over the past few years - example from Feb 2017 . At what point is a company like this considered a monopoly where its broken up? what is th...
by F150HD
Sun Nov 19, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3688

Re: Roofer stopped showing up - what are my options?

Update - Delivered a demand letter to the contractor and he showed up for two more days..... Recent thread worth reading: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=221170 Contractor fraud Recall a few of these on the forum, may want to do a search and read to get ideas on proceeding.
by F150HD
Sun Nov 19, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 8975

Re: Thoughts about wearing a "uniform"/same thing everyday?

I love the idea of it. I just haven't pulled a trigger on it.

Zuckerberg from Facebook does this (note same shirt in each interview). I'm not a FB fan, but recalled reading this.
by F150HD
Sun Nov 19, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2185

Re: Bond fund in a ROTH

You don't actually need to sell equities low, because you are required to take the RMDs, but not required to spend them. If you have an RMD you don't need to spend, you can take the RMD from a stock fund, and invest it into a stock index fund in your taxable account. And if you have an RMD from an ...
by F150HD
Sat Nov 18, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 67
Views: 8490

Re: Water Heater Install $1,800!

...Bradford White is a good brand, but so is Rheem. The only brands you really need to stay away from are the GEs, Whirlpools, etc., sold at big-box stores. https://www.cpsc.gov/Recalls/2016/rheem-recalls-to-repair-water-heaters https://www.consumeraffairs.com/homeowners/rheem-water-heaters.html
by F150HD
Fri Nov 17, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 41
Views: 2918

Re: Replace TVs with Smart Tvs or not?

FedGuy wrote:
Fri Nov 17, 2017 7:53 pm
Both smart TVs and streaming boxes quickly become obsolete. Better to replace a $70 streaming device every few years than an $899 TV.
+1. Buy a new streaming device and plug it into one's existing TV versus tossing the entire TV.
by F150HD
Fri Nov 17, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: New TV for Father
Replies: 22
Views: 1599

Re: New TV for Father

have seen multiple threads on this. A forum search would prove fruitful.
by F150HD
Fri Nov 17, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity fund fees for different fund classes
Replies: 7
Views: 529

Re: Fidelity fund fees for different fund classes

Yes, they do this. I haven't been in a position to have this happen recently, but I seem to remember that it wasn't necessarily instantaneous, if it was close to the limit. Otherwise, you might be bouncing back and forth between fund classes. does it generate a taxable event when it upgrades? (if i...
by F150HD
Fri Nov 17, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: RE sale: long close vs. bird-in-hand
Replies: 28
Views: 1914

Re: RE sale: long close vs. bird-in-hand

dm200 wrote:
Thu Nov 16, 2017 12:49 pm
What if you take Option A - and it falls through?
that was my thought. A lot can happen in a year- not only w/ the market, but the buyers health might fail, lose a job etc.

plus, in a sellers market only 2 offers (?)
by F150HD
Fri Nov 17, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2185

Re: Bond fund in a ROTH

Now in retirement (or soon to be for a 2nd time) I wanted to have the flexibility to withdraw from a ROTH account when the market was down and thought that having a bond fund in our ROTH would give us that flexibility. similarly, if you have to take RMDs from an inherited Roth and one holds all equ...
by F150HD
Wed Nov 15, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10677

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I have two wireless routers, one by Linksys and the other by ASUS. A couple of days ago I re-checked the respective websites and both had released new firmware that addresses the KRACK WPA2 issue. For those interested in whether there is a fix for your specific router, check out GitHub - kristate/k...
by F150HD
Wed Nov 15, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 2003

Re: How much to charge for nanny services on New Year's Eve?

so this is an 'overnight' job? are the kids being brought to 'your' location? (you don't specify, I'm assuming your wife is going 'there') I'd set up a scale where the per hour cost decreases a bit for more hours of employment. Say $25/hr from 8PM-12A versus $22.50/hr from 8PM-2AM. (You need to deci...
by F150HD
Wed Nov 15, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)
Replies: 50
Views: 3732

Re: How unwise is it to move to a high-tax fiscally-shaky state? (Connecticut)

IMO not everything is about 'taxes' and saving money. If you are happier in CT and like the area a lot and feel your kids would thrive there (they appear almost school age if not already), then move there. JMO (this assumes employment and compensation isn't an issue, which, from the original post, i...
by F150HD
Mon Nov 13, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 45
Views: 4255

Re: H&R Block Software

That looks like a good deal. Thanks DarkNyte. Although it looks like H&R dropped the 10% Amazon rebate that they’ve offered over the last several years. https://www.amazon.com/Block-Software-Deluxe-Refund-Download/dp/B075XY6ZKK/ref=sr_1_3?ie=UTF8&qid=1510623713&sr=8-3&keywords=h%26r+block+tax+softw...
by F150HD
Sun Nov 12, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 45
Views: 4255

Re: H&R Block Software

Mudpuppy wrote:
Sun Nov 12, 2017 9:49 pm

It's been an additional $19.95 to eFile state returns for years now.
does Turbo tax charge this to eFile state as well? (have never used TT).

I have use H&R and have paid the $ to eFile state just 'have it done' etc (could not recall cost last year).
by F150HD
Sun Nov 12, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Draft a will with legalzoom or other online legal help
Replies: 64
Views: 4342

Re: Draft a will with legalzoom or other online legal help

With your assets and minor children I think you would benefit from professional advice.
+1
by F150HD
Sun Nov 12, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 45
Views: 4255

Re: H&R Block Software

Pet peeve of this software. sure, can always 'print' and mail but a PITA when one just want's to be 'done' with it and ensure it doesn't get lost in the mail etc. This looks like an increase from last year too (?)

Image
by F150HD
Tue Nov 07, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2784

Re: DIY vs work extra and pay a pro

DIY for me....depends. Most things I will try to tackle myself. But..... Sometimes it means living with a little inconvenience but not everyone has that option- like redoing a bathroom when the home only has 1. If you live alone, you can manage around the mess (been there done that), but if you have...
by F150HD
Mon Nov 06, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3942

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Why is Vanguard sending so much junk mail telling me to vote in the proxy election? Why is this so important? Did you vote? If so how did you vote? I don't want to vote. It seems like that should be my own decision. I sent them an email asking them to stop sending me voting requests but they refuse...
by F150HD
Mon Nov 06, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3942

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

IlliniDave wrote:
Mon Nov 06, 2017 3:41 pm
I voted and they still keep sending me stuff in the mail.
Logging in and the CONSTANT pop up to vote is super irritating- agreed. No snail mail on voting though.
by F150HD
Mon Nov 06, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2802

Re: Mold Discovered in Potential House Purchase

what does your Realtor say about the issue? someone with experience in your local market should be able to shed light on what's normal in your environment.
by F150HD
Mon Nov 06, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2802

Re: Mold Discovered in Potential House Purchase

Sandtrap wrote:
Mon Nov 06, 2017 6:10 pm
A sump pump in a finished basement can be a money pit and a persistent problem if done wrong or even marginally good.
+1
by F150HD
Sun Nov 05, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open an account with Vanguard?
Replies: 28
Views: 2070

Re: Should I open an account with Vanguard?

I have been with eTrade for about five years. I am just now realizing that I can get the admiral funds with Vanguard if I open my account with them. The Admiral funds have much lower expenses. I like the Vanguard Funds and intend on investing long term. is this a tax deferred account you are talkin...
by F150HD
Sun Nov 05, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1889

Re: Has anyone bought a Samsung Note 8?

I am still on my Note 3. I too bought it for a bigger screen. Have the Otterbox case and have dropped it many times and no breakage (I'm not hard on phones though like some are) Once the Note 8 is no longer the latest model (and is substantially reduced in price or 'free') I'll upgrade. Going to see...
by F150HD
Sat Nov 04, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2261

Re: How secure are Wi-Fi cameras?

RING seems to be more heavily advertised lately with its cameras for watching your front step etc (lotsa TV commercials lately) How secure are they? I don't own one, but like many have been looking for some simple home security cameras that require minimal install issues and wiring (lack of wiring ...
by F150HD
Sat Nov 04, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17771

Re: WSJ Digital Subscription - a bargain!

hard to find news sources that aren't biased anymore trying to slant it in their direction. Unfortunate.
by F150HD
Sat Nov 04, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11012

Re: Got an iPhoneX

I’m embarrassed to tell you that with tax, AppleCare and a case, I spent almost $1500 :o. One could get kicked out of Bogleheads for that. Like leasing a car! Ouch....that is a lot (to me anyway). I use Android, but still don't buy the latest/greatest. Still on a Note 3 waiting for the Note 8 to dr...
by F150HD
Sat Nov 04, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11012

Re: Got an iPhoneX

Why congratulations on buying a phone? Hey, i expect that if one becomes a dad or mom, but buying a phone? No heroic act was performed. lol. For $1000 I'll pass. Of course you can thank the OP for putting $$ into your pocket for pushing Apple and the S&P 500 up higher (thus VTSAX and VTI up as well...
by F150HD
Thu Nov 02, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2570

Re: $500 Windows Laptop

pondering wrote:
Thu Nov 02, 2017 7:10 pm
This laptop:

Acer 15.6" Intel Core i7 2.7 GHz 12 GB RAM 1TB HDD (Manufacturer Refurbished)

was about $500 + tax

I'm looking for a laptop I can use around my house.

Is this a good option? What else would you suggest considering?
wait for Black Friday sales if you can make it that long.
by F150HD
Thu Nov 02, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 29
Views: 2570

Re: $500 Windows Laptop

That's a lot of money for a re-furb. You don't need an i7 for around the house. Find an i5 with a SSD. The SSD will make much more difference for common tasks. prob due to the i7. HDDs are cheap these days. SSD is the way to go IRT boot times, though in time can develop issues of their own. :(
by F150HD
Thu Nov 02, 2017 7:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or not to Avatar . . how did you choose or not choose?
Replies: 115
Views: 5198

Re: To Avatar or not to Avatar . . how did you choose or not choose?

Peculiar_Investor wrote:
Mon Oct 30, 2017 8:03 am
My username often get shortened to PI (or some variation), hence the avatar.
The password for my Vanguard account is the last 8 digits of PI.
by F150HD
Wed Nov 01, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard ETF's VTI and VXUS
Replies: 61
Views: 3750

Re: Buying Vanguard ETF's VTI and VXUS

Well I'm leaning towards selling my shares of VTI and VXUS in my brokerage account and will add enough funds for a total of $6,000. This way I can put in $3,000 into Vanguard Total Stock Market Index Fund Investor Shares and $3,000 into Vanguard Total International Stock Index Fund Investor Shares....
by F150HD
Wed Nov 01, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12896

Re: new 401(k) limits announced

...At your place of work does this 'automatically stop' at the 18k employee contribution point? (so one can't overcontribute)... At the one, two, three, four employers where I had 401(k)'s I was told that it would. But, hey, mistakes can happen, why push it? One caution, if you think you might be a...
by F150HD
Wed Nov 01, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10677

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I don't want to cross boundaries vis-a-vis political discussion, but I would have serious reservations about security software from a company that has been identified as a possible state actor in major security breaches (cf. https://www.google.com/amp/s/arstechnica.com/information-technology/2017/1...
by F150HD
Tue Oct 31, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12896

Re: new 401(k) limits announced

My work said they 'automatically stop' HSA contributions too but they didn't and now I'm over the limit. Recommend keeping an eye on it even if you HR says they automatically stop because sometimes they don't. I have 2 emails from HR that they DO stop when the 18k limit is reached. Will see what De...
by F150HD
Mon Oct 30, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2562

Re: When the cold wind comes, I go where the dahlias bloom

Sandtrap wrote:
Sun Oct 29, 2017 12:22 pm
Northern Arizona to Hawaii.
As often as I get homesick. :(
That sounds like a pretty tough lifestyle. :wink:
by F150HD
Mon Oct 30, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Printing Problems
Replies: 6
Views: 430

Re: Printing Problems

I've found when re-configuring a WIFI printer you need to PLUG it into the laptop to configure (USB), then once its setup you don't need to have it plugged in to the laptop. That's just been my experience (Windows 10, HP printer)
by F150HD
Sat Oct 28, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5375

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

itstoomuch wrote:
Sat Oct 28, 2017 10:55 am
Nice graphic:
The linear (y axis) difference between Stock and anything other bonds, CDs, USD, gold, etc ...
Sorry, linear?
by F150HD
Sat Oct 28, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2987

Re: bedroom color-current trend?

Unless you need to store paint, I would go with the metal containers. Unlike plastic, they aren't going to be around when the sun goes nova and in the meantime damaging various parts of the environment. like the millions of reusable 'plastic' water bottles people buy to be green to save on buying d...
by F150HD
Fri Oct 27, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2987

Re: bedroom color-current trend?

Not too long ago, I helped someone paint with some paint they bought at Menards. It took three coats and twice as much paint to get the same coverage. I bought some Conco paint at Menards 2 years back. It sucked, literally. After coat 1, had to do coat 2. Finally had to buy a different brand to cov...
by F150HD
Fri Oct 27, 2017 4:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota BH Qtrly Meeting 10-28-17
Replies: 15
Views: 1507

Re: Minnesota BH Qtrly Meeting 10-28-17

Thanks for reminding me to bring my iPad along too. Go green! Specifically, the CO2 emissions from one iPad equal the CO2 output of a 515-mile drive. And the new iPad is responsible for more CO2 emissions than its older brothers: The new iPad emits 180 kg of CO2, compared to 130 kg and 105 kg of CO...
by F150HD
Fri Oct 27, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 111
Views: 10677

Re: WPA2 protocol used by vast majority of wifi connections has been broken

I use Kasperskys Safe Money when logging into and checking financial accounts. Despite the politics of Kaspersky, I like their Total Security Suite - SafeMoney is part of it. Usually found for like $30ish if you shop around. https://s1.postimg.org/2006732xrz/nhung-diem-moi-cua-kaspersky-internet-ser...
by F150HD
Fri Oct 27, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2496

Re: RMD distribution timing

If the stock market is at all-time high during summer or later, I take half off of the table at that time and take the balance prior to the end of the year. So far I have only taken distribution from my booming equity investments. Similar here. I would normally take at year end (inherited acct), bu...