Search found 154 matches

by apex84
Mon Aug 03, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: best mesh wifi system on the market?
Replies: 50
Views: 3363

Re: best mesh wifi system on the market?

We're not using a mesh system yet, but happy with Synology. I wanted a network line with frequent software updates to keep everything secure. It's not as easy to configure as some options, but seems to work well.

https://www.synology.com/en-us/products/MR2200ac
by apex84
Sun Jul 12, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Speakers for basement
Replies: 43
Views: 2585

Re: Speakers for basement

If this is in the budget, it's an easy option for quite good surround sound without much hassle. https://en-us.sennheiser.com/ambeo-soundbar?syz_chnl=001&gclid=EAIaIQobChMIgZWwyIjJ6gIVEvDACh1WxwjIEAAYASAAEgIbmfD_BwE Otherwise, you need to have an idea of budget and your space in terms of wiring and ...
by apex84
Wed Jul 08, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7623

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

Looking back, I've bought a lot of stuff over the years. Anything that was just a fancier version of a regular item, but not significantly better in quality, wasn't really a good purchase. I don't look back on odds & ends that I've accumulated with much fondness. It's only the stuff that I really us...
by apex84
Thu Jul 02, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Need home printer suggestions
Replies: 29
Views: 1432

Re: Need home printer suggestions

We bought an HP M479fdw in April. It's been great, I think it was $200 less than it is now, so there's probably rotating sales/promotions. It prints in color (comes with partial toner cartridges), has duplex printing, a sheet feeder, and can scan to PDF via email without using the computer. We both ...
by apex84
Thu Jul 02, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

Nice, I think two of my GS are from Japan, but it was a transaction from one of the well known sellers. I think the post you've quoted is from Independent George, but I agree. In addition to diameter, the mechanical GS movements have tended to be thick. The 9F quartz makes for a slim watch of reason...
by apex84
Wed Jul 01, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19209

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

So much can change in 4 decades, just think of the world in 1980. Would you have betted on anything for 2020 back then? If so, what would your bet have been? Certainly not FAANG because they didn’t exist. From Wikipedia article on the DJIA components. Clearly there is limited value in the present w...
by apex84
Wed Jul 01, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19209

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

If you generalize this line of thought, instead of focusing on the tech companies and the US, I don't think it's a sound basis for investing decisions. Saying that these stocks have done well and are located in one place, that this is evidence of a unique environment in that place, and that these tr...
by apex84
Tue Jun 30, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

The JLC can absolutely be worn with casual clothes. If you want a more casual looking watch from JLC, the Polaris line is their current offering. The Master Compressor line is available at great prices on the used market. You can find used VC for under $10k, especially if you look at the 15-25 year ...
by apex84
Tue Jun 30, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

It depends on the specific movement. JLC is mostly known for their mechanical movements. They made a Mecaquartz chronograph movement in the past that was excellent, it was a combination of a quartz movement with a mechanical chronograph. Outside of that, the quartz watches have the same design, case...
by apex84
Wed Jun 24, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Made a horrible decision with regards to car. need guidance
Replies: 60
Views: 6247

Re: Made a horrible decision with regards to car. need guidance

As others have noted, you can get a snow tire and wheel package from Tire Rack. Every car I've driven for the past 23 years has had a set of summer wheels/tires and a set of winter wheels/tires. This works for me, but I want to drive a sporty car year round. It would be very difficult for me to have...
by apex84
Wed Jun 24, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5937

Re: New 4K TV: LED, QLED or OLED?

We bought a 77" LG C9 OLED from Costco earlier this year. We are thrilled with it. It is a much more expensive set, so it only makes sense if the TV is a priority. It replaced a higher end 1080p plasma (65" Panasonic Viera VT50). In 2012, I bought the plasma over a more expensive LED/LCD set because...
by apex84
Fri Jun 19, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: Should Vanguard offer a CMA/Service ?
Replies: 55
Views: 3518

Re: Should Vanguard offer a CMA/Service ?

The discontinuation of the Vanguard Advantage service has complicated our monthly workflow. I would be thrilled to see a replacement. Eventually, we might just move elsewhere.
by apex84
Wed Jun 17, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

Yes. The ascendancy of Grand Seiko has been impressive. I remember when you had to order them from Japan. All of mine are still branded Seiko at the 12 and Grand Seiko at 6. I prefer that to the newer branding. I am looking forward to affordable pieces with the new movements (cal. 9SA5 and cal. 9RA5...
by apex84
Wed Jun 17, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

Some of the picks I posted are used. The ref. 3800 retails for under $10k. The ref. 3817 retails for more, but you might be able to get it close to $10k depending on your dealer. Can you really get a new Breguet Type XX for under $10k? I don't like buying other people's used stuff, so I'm only inter...
by apex84
Wed Jun 17, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 117
Views: 9113

Re: Best watch for $5,000+

Hopefully this gives the thread new life! Thanks. Anyone have good recommendations for the $5k - 10k price range besides the usual suspects (Rolex, Omega, Grand Seiko)? It's funny that Grand Seiko is considered one of the usual suspects. Traditionally that would have been Breitling, IWC, and Tag He...
by apex84
Wed Jun 10, 2020 9:15 am
Forum: Personal Investments
Topic: Talk me back into Bond Fund BND please
Replies: 33
Views: 2486

Re: Talk me back into Bond Fund BND please

Buy a 1 fund portfolio. Either Vanguard Target Date or Life Strategy. Having an IPS is important, but it's not easy to implement or execute it. There's nothing wrong with a single fund that removes the need to actively manage the portfolio by rebalancing.
by apex84
Tue Jun 09, 2020 10:22 am
Forum: Personal Investments
Topic: A Prodigal Boglehead Returns (poorer)
Replies: 32
Views: 4797

Re: A Prodigal Boglehead Returns (poorer)

I think this makes a lot of sense. Long term, the returns of an 80/20 portfolio aren't that different than a 100% stock portfolio. The 80/20 portfolio as a starting place is a good way to make a plan and have pre-defined rebalancing actions to take. It's a good exercise to start while your portfolio...
by apex84
Mon Jun 08, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 25044

Re: What fun car should I get in the $150k - $200k range?

Agree with alfaspider on the GT4 if you're serious about the track. If I had the time and interest, I would just get a track Miata to start. I started out with an Audi with < 200 HP and it was plenty to learn. If you're considering the track with any of these, be sure to learn about steel vs ceramic...
by apex84
Mon Jun 08, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 25044

Re: What fun car should I get in the $150k - $200k range?

I'd focus on trying to best understand what you want. If your preference is an exotic because it's fun to have or it's what you've wanted, then I would stick with a used Ferrari or Lamborghini. If driving experience is your priority and you might consider track time, then get a Porsche. My pick woul...
by apex84
Sun Jun 07, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 447
Views: 25044

Re: What fun car should I get in the $150k - $200k range?

Starts at $109,000 which is less than the RS7. Still no configurator from Audi USA for options. There is a PDF on the web about some standard configurations for the early orders. https://www.audiusa.com/models/audi-rs6-avant-preview Seeing this put a huge smile on my face. Love the RS Avants. Proble...
by apex84
Sat May 23, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10874

Re: Personal spending out of control after Covid-19

unclescrooge wrote:
Sat May 23, 2020 2:35 pm
Can you explain closing rings please?
https://www.apple.com/watch/close-your-rings/
by apex84
Fri May 22, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2833

Re: What to look for when buying a table saw?

Thanks for posting. I haven't used a table saw in years, but this is great to know about. We had a table saw in the basement along with other tools when I was in high school. We never had an accident with the blade and flesh, but it is not hard to imagine. Even with feather boards, push sticks, and ...
by apex84
Fri May 22, 2020 11:10 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11859

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Talking up your book means putting out information that benefits you, while keeping both your positions and intentions to yourself. Going on CNBC or writing a web article are great ways to do this. If you want to buy a stock, you talk about how poor the outlook looks and how it's a horrible investme...
by apex84
Fri May 22, 2020 9:42 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11859

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Having an investment plan that requires you to make investment changes or take actions can be tough to execute. Even the seemingly simple 2/3/4-fund portfolio requires constant tweaks to direct new investments and occasional trades for rebalancing. Stocks are more volatile than bonds so there are go...
by apex84
Tue May 19, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“
Replies: 138
Views: 9316

Re: Dr. Malkiel: “I believe that investors need to put more China into their portfolios“

I don't know the details, but when the Japanese stock market had a very large market cap, it dominated stock indices due to a lack of correction for free-float at that time. Index methodology was changed to account for non-tradable shares. I don't think that best practices for index construction hav...
by apex84
Tue May 19, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6543

Re: Alternatives to Craftsman Tools

I also have a decent selection of the the older Craftsman tools. Different tools were made by different manufacturers over the years. My 20 year old Craftsman Professional full-polish wrenches were probably made by Armstrong and are my favorite tool from Craftsman. I never really cared for their scr...
by apex84
Fri May 15, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?
Replies: 61
Views: 3822

Re: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?

I've been on both sides of this and am still not sure what the best answer is. The majority of my portfolio (> 80%) has always been indexed. When I first started investing, I had small positions in Vanguard Global Equity and a Vanguard Asset Allocation fund whose name I don't remember. My rationale ...
by apex84
Mon May 11, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

Thanks!
smalliebigs wrote:
Mon May 11, 2020 9:58 am
That was shared sometime in Jan or Feb, so I'm not going to remember many details. If I recalled correctly, BMW was 1, Jaguar was last at 15. Lexus and Acura were quite good, but probably not top 5. Alfa Romeo was in the bottom half.

The rest, I really cannot recall, or claim to recall.
by apex84
Mon May 11, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4509

Re: Should I purchase my end-of-lease Audi A4?

If you're able to share, where do the other luxury brands fall (BMW, MB, Audi, Lexus, Acura, Jaguar, Alfa Romeo, etc.)? I will also add another angle to this: the industry internal benchmarks via 3rd party companies have BMW at #1 reliability when we compared our company's warranty spending and init...
by apex84
Mon May 11, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: New convertible under 50k?
Replies: 39
Views: 2469

Re: New convertible under 50k?

I'm a huge Miata and BMW fan, but you may want to look into a MB SL if you want a more comfortable/luxurious car. Not new, but what about a Mercedes SL450 or SL400. Can be had under $50k CPO for something in the 2016-2017 MY time frame.
by apex84
Mon May 11, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 6887

Re: Password vault or generator?

Happy with 1Password. You can generate, store, and autofill unique passwords for every site. Any time I have any concern about a given site, I just change the password. It also includes 2 factor authentication (I used to use Google Authenticator) for those sites that support it. About security: http...
by apex84
Thu May 07, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5396

Re: Where do you back up your important data?

We use Apple Time Machine for local backups and Backblaze for cloud backups. Some files are backed up locally using Carbon Copy Cloner as well. Photos also go to Amazon Prime.
by apex84
Wed May 06, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1344

Re: Plunger reccomendation for newer toilets

I upgraded our most used toilet to a TOTO Drake Two-Piece Elongated 1.6 GPF Toilet. It was recommended on a plumbing forum and has performed as expected. Not only does it flush well despite the low water usage, it doesn't generate any visible droplets of water on the toilet seat (gross, but somethin...
by apex84
Wed May 06, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4881

Re: Front load washing machine recommendations

We use LG WM3770 and like it. We occasionally run some loads with bleach for things like towels and sheets. We also occasionally use a washing machine cleaner from Menards.
by apex84
Tue May 05, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Best home printer/scanner?
Replies: 39
Views: 2819

Re: Best home printer/scanner?

We recently bought an HP Color LaserJet Pro Multifunction M479fdw. Happy with it so far: fast double-sided printing & easy to setup with minor intervention required.
by apex84
Tue May 05, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 3055

Re: Considering getting an espresso maker - thoughts?

I've wondered about getting a home machine for awhile. I currently use an AeroPress, but my wife doesn't use it and prefers instant coffee for the convenience. Our drink of choice is a cappuccino, so we need an option that makes dealing with the milk easy too. I did some internet searching after rea...
by apex84
Wed Apr 29, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri: "You have to stick with that plan for the rest of your life."
Replies: 61
Views: 9002

Re: Rick Ferri: "You have to stick with that plan for the rest of your life."

I think Rick Ferri's point is well taken. If you want to deviate from the market, you have to stick to your allocation. The forum is full of people asking why they should invest in international stocks. A question that I think is based on the rearview mirror rather than an interest in diversificatio...
by apex84
Mon Apr 27, 2020 11:29 am
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 110
Views: 20420

Re: Any other investors with 70/30 portfolio?

We are 44 & 41 yo. 70% stocks, 20% bonds, 10% in REITs & commodities. Have been 80/20 in the past with REITs as a proportion of equity. Will keep current allocation until at least 50. From a risk level, this is more like an 80% equity portfolio. May tweak the allocation at 50, but probably not for a...
by apex84
Wed Apr 15, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5221

Re: How to get N95 masks? Seriously

I wear a 3M half face respirator with P100 filters at work (along with a full face shield, double gloves, gown, and shoe covers) when necessary. We're also using UV irradiation for reuse of the disposable N95s. If the supplies were in excess relative to need, we wouldn't be reusing the N95s or weari...
by apex84
Sun Mar 15, 2020 10:26 am
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10782

Re: Is it time to GET OUT?

It's not easy dealing with volatility, but volatility is normal and expected in stock markets. Vanguard has made a series of videos on this topic. Having invested through multiple market cycles makes this process easier. A message from Vanguard's CEO on the coronavirus https://www.youtube.com/watch?...
by apex84
Tue Mar 03, 2020 2:09 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25312

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

The fact that no crisis was in the news and stocks were going mostly upward allowed me to sleep fine with me holding 85-90% in stocks. That doesn't mean that my AA was wrong when I first chose it (several years ago). It just means that my AA was wrong (for me) on 2/27. A plan, which includes your a...
by apex84
Sun Mar 01, 2020 8:55 am
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25312

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

EQUALLY important is knowing your risk tolerance so you don’t freak out when the market drops 10% in a week! Agree! Also, your risk tolerance can change after reading about investment theory and financial history. Having that knowledge to make a plan to get through normal volatility makes it easier...
by apex84
Sat Feb 29, 2020 8:33 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25312

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

For one to successfully manage his/her own portfolio, one needs knowledge of basic financial concepts, a solid plan, and a background understanding of financial history. Making decisions about your portfolio based on your feelings and gut is no way to manage your money. There will always be market v...
by apex84
Sat Feb 29, 2020 8:22 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 26023

Re: Disappointed in forum members

It's an internet forum with a wide range of members with different approaches, levels of knowledge, interests, and experience. There is no substitute for managing your portfolio through a market with a > 30% decline. The recent increase in volatility with a much smaller move down seems like a wake u...
by apex84
Fri Feb 28, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2486

Re: TV recommendations?

For just about the best picture quality available, look at the LG C9 sets which you can buy at Costco. To make the most of a 4K TV, you need 4K content. We stream a lot from Disney & Netflix.

https://www.tomsguide.com/reviews/lg-c9-oled

https://www.cnet.com/reviews/lg-oled65c9pua-review/
by apex84
Wed Feb 26, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324497

Re: Best watch for around $5,000?

With watches (and cars), trying to evaluate luxury goods based on their utility makes little sense. For the enthusiast, outside perception and recognition don’t matter since they are buying based on their knowledge of the product. Enthusiasts also belong to a community of enthusiasts which may shape...
by apex84
Mon Feb 24, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4324
Views: 301140

Re: Refinance Mega Thread

We refinanced recently. Locking was stressful (as I remember when I originally bought). My understanding is that for that loan application with that lender, you've locked the rate. It doesn't hurt to ask if they can adjust it, but they may not. You don't have to move forward with the loan. Even afte...
by apex84
Mon Feb 24, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324497

Re: Best watch for around $5,000?

Cool. Didn't know about that class. The HSNY workshop at Oak & Oscar was fun. I don't wear a watch anymore, I use my phone as my watch. Funny enough, I started wearing watches again after many years of doing the same because of the inconvenience of digging through pockets to get to my phone, especia...
by apex84
Sat Feb 22, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: Exterior car detailing, waterless wash
Replies: 23
Views: 2109

Re: Exterior car detailing, waterless wash

OPTIMUM OPTI-CLEAN is from the same company as ONR if you want a waterless wash. I like ONR with the 2 bucket method when I can. The Opti-Clean is nice for a quicker wash.
by apex84
Mon Feb 17, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Which Rolex to get for DW?
Replies: 52
Views: 4107

Re: Which Rolex to get for DW?

My wife and I have looked at the Lady Datejust in the past, so I can share our findings. She strongly preferred the all steel models with the domed bezel paired with the Jubilee bracelet. She preferred no diamonds and darker dials due to the legibility. We ended up not going with the Rolex, but I en...