Search found 131 matches

by rolandtorres
Fri Jul 03, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 14029

Re: YoutubeTV subscription now $64.99/month

This service is for people who watch sports and/or who refuse to pay their cable/sat/telco provider for whatever reason. If that's not you, you can certainly get a better deal elsewhere, although it will not be as slick to use. Amazon is coming next to live TV- as a Prime member, I'm already annoyed...
by rolandtorres
Sat Jun 20, 2020 10:53 pm
Forum: Investing - Theory, News & General
Topic: Should Vanguard offer a CMA/Service ?
Replies: 55
Views: 3529

Re: Should Vanguard offer a CMA/Service ?

What other specific offerings did Vanguard ask about recently in that Steering Committee survey? To me, the valuable pieces of a CMA aren't the services the local bank excels in (debit, checking, atm withdrawals) but the ones that would allow Vanguard to better automate being the hub of maximizing y...
by rolandtorres
Sat Jun 20, 2020 1:35 am
Forum: Investing - Theory, News & General
Topic: Should Vanguard offer a CMA/Service ?
Replies: 55
Views: 3529

Re: Should Vanguard offer a CMA/Service ?

It's an interesting strategic question for Vanguard. As of today, they don't have to be concerned when from one side, Betterment and other upstart roboadvisor brokerages are still using Vanguard ETFs as the core funds in their portfolios and on the other side, wirehouses are still doing things in an...
by rolandtorres
Wed Jun 17, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1432

Re: I need to get a Will

Haven't used this personally but looks a bit cheaper than an attorney (at least the one I used) and the big benefit to me was easy/cheap to revise later on

https://trustandwill.com/
by rolandtorres
Mon Jun 15, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Is Money in Excel More Secure Than Other Aggregators
Replies: 10
Views: 1308

Re: Is Money in Excel More Secure Than Other Aggregators

Fidelity and Schwab are building APIs to allow services like Yodlee to more securely retrieve data rather than those having to scrape data. Should ask Plaid if they are participating. It should improve security if using those institutions but if you're the kind of person who is looking for 99%+ peac...
by rolandtorres
Wed Jun 03, 2020 2:41 am
Forum: Personal Consumer Issues
Topic: What cellphone plan do you recommend?
Replies: 60
Views: 3885

Re: What cellphone plan do you recommend?

1. Verify that you can leave Verizon with your phones unlocked if it is capable of being used on other networks, and able to give up any other unlimited perks (disneyplus, etc.) 2. Look at your account to see what your average and anticipated actual cellular data usage is (do not count wifi data). 3...
by rolandtorres
Wed May 27, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18378

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

These school threads always go like this. If I were the OP, I'd ask for input mainly from folks familiar with the Bay Area since the dynamics are unique. Other geographic input is more noise than signal since people don't understand that income is basically "middle class", more or less depending on ...
by rolandtorres
Fri May 22, 2020 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 884

Re: Any easy way to check accuracy of Amazon credit card bill?

You can download a detailed item-level spreadsheet of your Amazon purchases to check.

https://www.amazon.com/gp/b2b/reports/
by rolandtorres
Mon May 18, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3628

Re: Sources for N95 masks

Given the markup for real n95 masks and dubious quality of the suppliers for kn95, I would splurge on a half or full mask respirator that lasts longer and are legitimately reusable (including on your next home improvement project if this virus ever blows over). Don't forget the filter cartridges. Se...
by rolandtorres
Fri May 15, 2020 1:41 am
Forum: Investing - Theory, News & General
Topic: Should Vanguard offer a CMA/Service ?
Replies: 55
Views: 3529

Re: Should Vanguard offer a CMA/Service ?

There was a very large thread about it https://www.bogleheads.org/forum/viewtopic.php?t=274303&start=250#top . I agree with Bill Bernstein- it should be an option for those that want it even if it carries a fee for the convenience- or require them to be clients of their advisory services to defray t...
by rolandtorres
Sat May 09, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: SIM Card Hack
Replies: 21
Views: 2692

Re: SIM Card Hack

Google voice on Advanced Protection is the best, even if it's inconvenient. The real issue is a lot of banks won't allow a Google Voice number to be used as the 2FA # to text. Will have to wait for these banks to offer a FIDO key as their 2FA or allow Google Voice #s to be used. Check with your bank...
by rolandtorres
Sat May 02, 2020 11:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5265

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

The best explanation I can come up with is that 1) a majority of Vanguard's clients are not tech-savvy (i.e. not born in the time of computers) and 2) customer service call centers continue to be overwhelmed. So any security measures that are challenging like mandating 2FA and/or don't have a fallba...
by rolandtorres
Thu Apr 30, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Chromebook with tablet mode and stylus recommendations
Replies: 13
Views: 839

Re: Chromebook with tablet mode and stylus recommendations

This is the hotly anticipated new Lenovo Chromebook that is <$300 and detachable. Avail next wk at best buy, can also preorder on Amazon. There's also an education-version of the Lenovo that is more rugged but doesn't have a matching keyboard attachment. https://chromeunboxed.com/lenovo-chromebook-d...
by rolandtorres
Tue Apr 21, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 23
Views: 1324

Re: Air Purifier

Have the iqair for big rooms and coway for bedrooms. We tested
both with air quality monitors and both cover their stated square footage zones well. We leave ours on 24/7 as we could see an increase in pollution from the monitor as soon as it was off.
by rolandtorres
Thu Apr 02, 2020 10:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard HarbourVest Private Equity M* podcast interview
Replies: 1
Views: 259

Vanguard HarbourVest Private Equity M* podcast interview

Not sure if I saw this posted already. https://www.morningstar.com/podcasts/the-long-view/50 click on Transcript if prefer to read text. Will be an interesting option for qualified investors to consider adding. He addresses whether Bogle would support this and timing of this PE offering (pre-COVID p...
by rolandtorres
Tue Jan 07, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard Security Key
Replies: 53
Views: 5490

Re: Vanguard Security Key

After re-establishing keys, there is still SMS backup so that did not change. Maybe Vanguard had a security incident
by rolandtorres
Wed Dec 04, 2019 11:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile app comes in last in JD Power satisfaction survey
Replies: 10
Views: 910

Vanguard mobile app comes in last in JD Power satisfaction survey

https://www.jdpower.com/business/press- ... on-study-0

Tried the app once years ago, saw it had low utility, immediately deleted it. Wish they had a study on the main website too.
by rolandtorres
Wed Dec 04, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Ski gear for toddler
Replies: 37
Views: 2162

Re: Ski gear for toddler

Join your local Buy Nothing SF Facebook group and do a polite "ask" for snow gear to borrow. Wouldn't hurt for you to first find nice items of your own to offer to the group first that you no longer need.

https://buynothingproject.org/about/
https://www.facebook.com/groups/buynothingsf/
by rolandtorres
Sat Nov 09, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: You Tube Question
Replies: 6
Views: 1325

Re: You Tube Question

This is from 2017, but you can try to play Youtube through Dolphin browser

https://www.theverge.com/2017/10/19/165 ... ndroid-ios
by rolandtorres
Thu Nov 07, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: recommendation request for cell data service and device
Replies: 9
Views: 1093

Re: recommendation request for cell data service and device

You should probably post this to something like the nocontract subreddit on Reddit https://reddit.com/r/nocontract/ It's hard to follow what your needs are exactly. It sounds like you had a Sprint hotspot device that you're trying to replace for coverage at home and that this would be in addition to...
by rolandtorres
Tue Nov 05, 2019 11:08 pm
Forum: Personal Investments
Topic: Facet Wealth..
Replies: 2
Views: 840

Re: Facet Wealth..

Facet hired some CFPs from what was Grove Financial when that company was acquihired by Wealthfront this summer. I met with my advisor once by teleconference. He was on the younger side and validated a lot of what I was already doing, which I learned a lot from here and books recommended by folks he...
by rolandtorres
Mon Oct 28, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 14244

Re: Uber VISA rewards cut

A shame. The BofA system is the better low-hassle way now for those wanting cashback and no annual fee for good dining/travel. As Frugal Professor wrote, you can get 5.25% back at Costco if you pick the Online category and buy Costco giftcards at costco.com to use in-store.
by rolandtorres
Thu Oct 24, 2019 7:08 pm
Forum: Personal Investments
Topic: Financial Advisor in Akron, Ohio Area
Replies: 5
Views: 660

Re: Financial Advisor in Akron, Ohio Area

The Finance Buff has a service to find these kinds of advisors for a small fee

https://adviceonlyfinancial.com
by rolandtorres
Fri Sep 20, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9969

Re: Best places to live to raise a family (cost doesn't matter)

Based on the criteria, your first instinct was north county San Diego and that should still be at the top of your shortlist. I'm not sure why so many people recommended the Bay Area when one of your preferences was proximity to a small/med city and anything near SF/Oakland/San Jose metro area would ...
by rolandtorres
Thu Sep 19, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 111
Views: 10648

Re: Vanguard said to offer Digital Advisory Service

Reading this thread, one thing Vanguard could do would be to hire a social community manager to come on this forum or other places and explain to Bogleheads who these future offerings are for and implicitly not for. Here's a hint- based on what's been published so far about this, it's probably not f...
by rolandtorres
Sat Sep 07, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile Questions
Replies: 13
Views: 1430

Re: Xfinity Mobile Questions

You can go prepaid t otest out out AT& or T-mobile for a few days to a month to see if it's faster before giving up on Verizon (Xfinity uses Verizon when it's not using it's own public wifi networks so that will probably not solve your speed issue unless always near public wifi). bestmvno.com is a n...
by rolandtorres
Fri Sep 06, 2019 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard/Yodlee for Aggregation
Replies: 55
Views: 4070

Re: Vanguard/Yodlee for Aggregation

1. I am confident in the security, assuming you've taken other measures like 2FA as mentioned. What you might want to be wary of is the aggregator's data retention and usage policies. I'm reasonably more confident that Vanguard has no interest in retaining the data for other purposes; I'm less sure ...
by rolandtorres
Fri Aug 30, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3724

Re: Laser or inkjet

Definitely laser but also make sure the printer has true support for Google Cloud Print, not just compatible. Check the GCP site for native support printers. Adding a Canon that was compatible but not native was a pain and is still finicky.
by rolandtorres
Sun Aug 25, 2019 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Considering Move from Bay Area to LA ... What Salary to Target?
Replies: 6
Views: 1072

Re: Considering Move from Bay Area to LA ... What Salary to Target?

I don't know if cost of living difference is significant - both bay area and LA have a variety of micromarkets in housing so you would have to get pretty specific about areas. I do think you get more for your $ in LA- whether housing stock, food, services like daycare. You have a smaller tech job ma...
by rolandtorres
Fri Aug 23, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Considering Move from Bay Area to LA ... What Salary to Target?
Replies: 6
Views: 1072

Re: Considering Move from Bay Area to LA ... What Salary to Target?

85% of bay area pay for lateral job is what I've seen offered. Optimize for a short LA commute and pay for housing accordingly. Redondo beach is good for schooling and manageable westside/playa area tech hq's commute
by rolandtorres
Thu Aug 22, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Grove Financial Planning exits to Wealthfront
Replies: 1
Views: 318

Grove Financial Planning exits to Wealthfront

Grove https://hellogrove.com/ was providing financial planning for ~$600/yr but now it's ending. LearnVest was also in the mass market financial planning at a similar discount rate offering, but exited a few years ago. Now there are at least 2 data points that there is no viable business model for a...
by rolandtorres
Thu Aug 08, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 14107

Re: Amazon -- no longer the lowest prices, evidently

Amazon has historically been not competitive on pricing for food, particularly perishables. That probably contributed heavily to their buying Whole Foods and planning more Amazon grocery stores. If Walmart stocks the food item, it's generally going to be the cheapest that you can find shipped, with ...
by rolandtorres
Wed Jul 24, 2019 12:52 am
Forum: Personal Investments
Topic: Predict what Vanguard retail service is canceled / spunoff / degraded next
Replies: 4
Views: 1078

Predict what Vanguard retail service is canceled / spunoff / degraded next

Sums up Tim Buckley's key moves well: https://riabiz.com/a/2019/7/8/vanguard-hits-back-at-fidelitys-loss-leader-strategy-by-courting-higher-margin-businesses-like-china-and-private-equity-and-axing-low-margin-ones-like-annuities-wealth-management-franchises-are-next It seems Buckley has determined t...
by rolandtorres
Wed Jul 10, 2019 4:48 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 19
Views: 2774

Re: Access to Fidelity eMoney

Cheapest way I've seen is to get it via Planvision for $96/yr. I'm sure you don't have to talk to Mark if you don't want to.

https://planvisionmn.com/
by rolandtorres
Fri Jun 21, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: SoClean for Cpap machine
Replies: 10
Views: 1135

Re: SoClean for Cpap machine

I was recently researching this and think the ozone risk is enough to not get it, on top of the significant cost. I was looking at this UV light bacteria killer on Amazon and it's a bit cheaper and able to be used on other items that need bacterial cleaning like toothbrush heads, mouthguards, etc to...
by rolandtorres
Wed May 15, 2019 11:12 pm
Forum: Personal Investments
Topic: One time fee only advisor - costs?
Replies: 20
Views: 2176

Re: One time fee only advisor - costs?

Sounds like a normal amount from what I have read on the internet, it depends on the advisor. Depends on how comprehensive a plan you want. You can go as low as $96 for Mark Zoril. I did a consultation with him ( but I just had a couple very specific questions I wanted a second opinion on) and was ...
by rolandtorres
Wed May 15, 2019 2:03 am
Forum: Personal Investments
Topic: One time fee only advisor - costs?
Replies: 20
Views: 2176

Re: One time fee only advisor - costs?

I had time with both Mark Zoril for $96 and Grove (hellogrove.com) for $600. You have to have your financial life in some order and be comfortable with online questionnaires and connecting your accounts online with either. I got the sense Mark was more used to dealing with simplifying hairier /compl...
by rolandtorres
Fri Apr 12, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 66
Views: 6562

Re: YouTube TV is increasing their price - will you cancel it?

It's a real shame for those who thought they'd get the $35/mo price grandfathered forever like those on Google Play Music. The cost of licensing tv networks is not going down- the only way Google could have made the economics work with keeping subscription price down would be to generate a ton more ...
by rolandtorres
Sun Apr 07, 2019 8:04 pm
Forum: Investing - Theory, News & General
Topic: Rebalance after IPO windfall ?
Replies: 25
Views: 2963

Re: Rebalance after IPO windfall ?

Congrats on the ipo. Not the Boglehead opinion, but you should take advantage of your insider status to find out as much as you can (legally) about what the enterprise value of your company really is and use that as a basis of determining if the market price for when your lockup expires is a good or...
by rolandtorres
Wed Mar 20, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 23686

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

This isn't this hard. Vanguard should allow a high security Yubikey option for those who will opt-in to not have a SMS backup method and agree to a long painful password reset option if they do lose it, much like Google's Advanced Protection. Ideally, they implement this cutting edge "passwordless" ...
by rolandtorres
Mon Feb 18, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 5148

Re: Best PAID music streaming service?

Spotify has best music curation and discovery because it has the most and most engaged users, so it has the best data for recommendation. That said, Google Music has a killer feature that you can upload 50k songs in case there is something not in its library but in your CD collection. https://suppor...
by rolandtorres
Wed Feb 13, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3509

Re: Cord Cutting- Hulu Live TV Review and Questions

OP should test out Hulu Live ESPN stream on the fastest computer they have at home, ideally with a hard ethernet cord from the router the computer. You can then figure out if it's the FIrestick or Hulu or maybe how far apart your Firestick is from your router. You can even do a free trial of Youtube...
by rolandtorres
Wed Jan 09, 2019 1:08 am
Forum: Personal Finance (Not Investing)
Topic: FYI: Yodlee sells your anonymized data to hedge funds
Replies: 7
Views: 1107

FYI: Yodlee sells your anonymized data to hedge funds

For those using account aggregation via Yodlee (Vanguard, Personal Capital, etc) this was news to me: https://www.bloomberg.com/news/articles/2019-01-08/logging-in-to-your-bank-account-is-now-a-3-billion-business The upstarts like to draw contrasts to Yodlee, particularly in the area of customer pri...
by rolandtorres
Sat Dec 01, 2018 2:04 am
Forum: Personal Investments
Topic: $96/year Planning
Replies: 29
Views: 8888

Re: $96/year Planning

You can see his Youtube videos on how to input your info into the eMoney financial planning portal. He also used to comment on thefinancebuff site. This isn't the service for someone who needs a lot of handholding on inputting their data or wants someone to talk about the latest and most optimal inv...
by rolandtorres
Sun Nov 11, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3829

Re: Can you suggest where to live if work at UCLA

I would rent for a bit before deciding to purchase. If you have no UCLA parking, I would live somewhere walkable to a bus line that gets off at Wilshire/Westwood.
by rolandtorres
Sat Nov 10, 2018 1:06 pm
Forum: Personal Investments
Topic: Fee based financial planning
Replies: 3
Views: 350

Re: Fee based financial planning

Personal Capital's free tools has a retirement checkup tool which is helpful.

I'm curious to try Maxifi, using ESPlanner algorithms. $99 then $79/yr renewal. https://maxifiplanner.com/households
by rolandtorres
Fri Nov 09, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 5264

Re: Recommend Chrome ad-blocker

Right click the ad, hit ublock origin's "Block Element" menu option, select the ad then hit Create in the ublock popup to set a new manual block. Agree with another poster, if the sites you visit disrespect you with excessive ads, find another site. Consider unblocking ads on that site.
by rolandtorres
Sat Oct 27, 2018 11:56 pm
Forum: Personal Investments
Topic: Recommendations for fee only Investment advisors/planner for in Silicon Valley
Replies: 6
Views: 705

Re: Recommendations for fee only Investment advisors/planner for in Silicon Valley

I don't think you're going to get a lot of personal recs on this forum. People will point you to search for a fee-only advisor at napfa, xy planning, garrett and you should. This advisor was on one of those and had a previous career in tech, if that is the niche you're interested in. I haven't talke...