Search found 88 matches

by Gadget
Tue Nov 14, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6006

Re: Spam calls to cell phone...

Still mildly annoying but not enough to warrant me spending more time trying to prevent it from happening At 3k per call or even 750-1000 per call for a settlement that isn't worth your time? Even if the call took an hour, that's a pretty good hourly rate... I am curious how you identify exactly wh...
by Gadget
Thu Nov 09, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: When to use a non-qualified deferred compensation plan
Replies: 9
Views: 609

Re: When to use a non-qualified deferred compensation plan

Thanks everyone for the input. I'll likely wait and reconsider this plan when I'm more like 10 years to retirement. Assuming these plans are still around by then. I didn't realize they might be on the chopping block in tax reform bills, but that makes sense.
by Gadget
Wed Nov 08, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: When to use a non-qualified deferred compensation plan
Replies: 9
Views: 609

When to use a non-qualified deferred compensation plan

We have the option of putting money into a non-qualified deferred compensation plan this year. I found some really old posts on these plans, and the wiki info, but couldn't really find any clear cut guidance on when you should and shouldn't use them. I understand the tax benefits, but I really don't...
by Gadget
Sun Nov 05, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 137
Views: 8967

Re: Anyone planning on getting the new Pixel phone?

I took the Sim card out of my old phone, put it in the new phone, and did the online activation from Verizon. It was really simple. You can only do the esim thing on project fi I believe. I think with all the major carriers you will have to use a physical Sim card. If you wouldn't mind, can you sum...
by Gadget
Sat Nov 04, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 137
Views: 8967

Re: Anyone planning on getting the new Pixel phone?

Verizon. But I got the unlocked version from Google store. Was it at simple as putting in your SIM from you previous phone? If so, does it just immediately work or does anything need to be done in the account? I took the Sim card out of my old phone, put it in the new phone, and did the online acti...
by Gadget
Fri Nov 03, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 137
Views: 8967

Re: Anyone planning on getting the new Pixel phone?

DiggleRex wrote:
Wed Nov 01, 2017 4:14 pm
Gadget wrote:
Wed Nov 01, 2017 3:37 pm
I'm typing this on a pixel 2 xl. So far I'm loving this phone. No issues for me except the blue tint when tilted at an angle.
Which network are you using it on?
Verizon. But I got the unlocked version from Google store.
by Gadget
Wed Nov 01, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 137
Views: 8967

Re: Anyone planning on getting the new Pixel phone?

I'm typing this on a pixel 2 xl. So far I'm loving this phone. No issues for me except the blue tint when tilted at an angle. Which no longer bothers me. I actually prefer the more muted and accurate colors. When I first saw it in the store I thought it looked washed out compared to the Samsung, but...
by Gadget
Fri Oct 20, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 137
Views: 8967

Re: Anyone planning on getting the new Pixel phone?

I currently have a Pixel XL, and my wife has the Pixel (both 2016 models). They're our favorite phones ever. Great cameras. Best Android experience I've had. I've had a Samsung phone before, and I just hate their software experience. But if you can tolerate the Samsung software, then Samsung definit...
by Gadget
Thu Oct 12, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4902

Re: Which Streaming Service/Live TV?

My coworker uses YouTube tv and loves it. Beware if you watch a lot of TV and have internet data caps though. That's true of any streaming service.1 tb (my Cox limit) comes faster than expected when streaming hd video all day every day. I was going to switch to YouTube tv. But then I walked into Cox...
by Gadget
Sun Sep 24, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 11199

Re: The Magic of Savings Rate

I like the mmm savings rate table. It is easier for the average person to understand I think. Mostly because so many people only save based on a 401k savings rate from their salary. Yes, I know there are more accurate ways to measure it. I'd rather go the boggleheads calculation method for myself di...
by Gadget
Wed Sep 20, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 9
Views: 654

Re: advice on possible brokerage Link

I'd reread the Brokeragelink plan details carefully. Then I'd call Fidelity to confirm. Each company is different. But my Brokeragelink option has no fee to transfer to Brokeragelink, I can transfer 100%, and I can select all "No Transaction Fee" options from Fidelity. So it's a pretty great deal. Y...
by Gadget
Mon Sep 18, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1306

Re: Experience with Custom Home Builders

Yes, this large of difference is normal. Likely because you weren't specific on any of the interior options. One builder could use a level 3 granite standard, or more expensive wood floors by default on a house that large. I'm guessing your cost per square foot isn't that high just based on the lake...
by Gadget
Mon Sep 18, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4613

Re: Memory Foam Mattress Recomendations

Serta iComfort. I've never slept better and it's not warm like the Tempurpedics tend to be. At least 2 friends have bought iComfort mattresses based on my experience and both very very happy with their purchases. Best of luck to you--finding the right mattress is critical. We use a serta iComfort a...
by Gadget
Mon Sep 11, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k - Brokeragelink - Pre-Tax/ROTH
Replies: 6
Views: 919

Re: Fidelity 401k - Brokeragelink - Pre-Tax/ROTH

1) When I transfer funds to Brokeragelink, are those funds still remain as Pre-Tax 401k amount? Yes 2) I am done with 18k contribution to 401k this year. I am planning to convert all funds to ROTH early next year. Is it better to convert the funds to ROTH first and then exchange the funds with Brok...
by Gadget
Sun Sep 10, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35387

Re: Can't freeze credit at Experian?

For me, all 3 online credit freezes worked. For my wife, it only worked on Equifax. Experian said she had to mail her info in (it never asked any questions). TransUnion just kept erring out on her account she was supposed to create, then it claimed she already had an account. But when she tried to l...
by Gadget
Tue Sep 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1768

Re: Sonos fans: how to take advantage of promotion

I would abandon sonos. They are old tech, and you're paying for the name. Their sound quality isn't up to par for the price. The cheapest way for the sonos implementation these days is to buy as many Google Chromecast music devices as you need. Hook them up to any speaker system, old or new. You can...
by Gadget
Mon Sep 04, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 29089

Re: What is Bitcoin?

I'm fascinated by this thread. I love reading about the technology behind bitcoin, but can't fathom why people think it's so valuable. The link above on China is why I'd be nervous about bitcoin. What happens to bitcoin if China's government decides bitcoin is bad and threatens their currency? Almos...
by Gadget
Mon Sep 04, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 17041

Re: HSA - is keeping 40 years of medical records practical?

I see you all keeping EOBs. I've only had an HSA for 3 years, but all I've kept are large receipts I've had to pay and a year end spreadsheet (downloaded from my insurance website) that has every transaction submitted to insurance, and detailed of how much insurance has paid and how much I owe. I on...
by Gadget
Fri Aug 11, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 7425

Re: 20% In REITS?

For those who invest specifically in REITs, why not get them from a small Cap value fund instead? Does anyone investing in REITs also separately tilt to SCV?
by Gadget
Thu Aug 10, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Why shouldn't I buy a Google Pixel through Verizon?
Replies: 12
Views: 1263

Re: Why shouldn't I buy a Google Pixel through Verizon?

As far as I know, the only difference between the Verizon pixel XL I have and the Google store pixel is that the Verizon one has a locked bootloader. Which means it it much harder to root. If you don't care about tinkering with root access, you shouldn't care. There was no bloatware on my Verizon pi...
by Gadget
Fri Aug 04, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 9202

Re: LED light bulbs

I tried cree, Wal Mart, eco smart, Lowe's brand, some top rated brand on Amazon, and didn't like any. Cree looked and worked the best, but they kept lasting not near as long as they should. And I'm too lazy to return bulbs under warranty. Most all of them suck at dimming. I am now slowly switching ...
by Gadget
Fri Aug 04, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 9202

Re: LED light bulbs

I tried cree, Wal Mart, eco smart, Lowe's brand, some top rated brand on Amazon, and didn't like any. Cree looked and worked the best, but they kept lasting not near as long as they should. And I'm too lazy to return bulbs under warranty. Most all of them suck at dimming. I am now slowly switching e...
by Gadget
Thu Aug 03, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 3252

Re: LastPass Premium price increasing

Dashlane costs $39 annually for unlimited number of devices. My husband and I share a Dashlane account with 2 PCs, an iPad, 2 smartphones, and 2 iPod Touches (still have some use for us). We have nearly 500 passwords stored plus all our credit cards and IDs (passports, Social Security, Known Travel...
by Gadget
Thu Aug 03, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I transfer from Merrill Lynch and Edward Jones to Vanguard?
Replies: 26
Views: 1615

Re: Should I transfer from Merrill Lynch and Edward Jones to Vanguard?

The chart in this thread is the simplest explanation for why you should stay away from high fee advisors. Although my mother in law still doesn't think this fee chart is right because her advisor is so good and nice...

viewtopic.php?t=217026
by Gadget
Tue Jul 25, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34929

Re: John Bogle Has Been Right About Investing In International Stocks

For those that invest nothing in international stocks, are you concerned about the United States losing its status as the world's reserve currency? What if a crypto currency dominates on a global scale in the future? Do any of you who invest only in US stocks also invest in bitcoin or something simi...
by Gadget
Sat Jul 22, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 50
Views: 4562

Re: Cryptocurrencies

If quantum computing has breakthroughs and is somehow adopted by hackers or a malicious nation state before regular technology can adapt, crypto currency would be the least of your concerns. Yes it'd be vulnerable, but why hack crypto currency when EVERY password was suddenly easily hacked.
by Gadget
Sat Jul 22, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Unwise to contribute to the same equity index fund in both taxable and IRA account? [Preparing for TLH]
Replies: 17
Views: 1561

Re: Unwise to contribute to the same equity index fund in both taxable and IRA account? [Preparing for TLH]

Depending on your balance in each account, you could buy bonds in the taxable account to harvest losses, and at the same time convert bonds to equity in your 401ks. Then 30 days later swap again. Maybe just max the Ira at the start of the year instead of dca to avoid the 30 day prior purchase issue ...
by Gadget
Thu Jul 20, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Help with International Fund Selection
Replies: 12
Views: 971

Re: Help with International Fund Selection

If you have access to brokeragelink in Fidelity, then you have access to FTIPX. That's what I use. Just be sure your company doesn't charge you extra for brokeragelink. Most don't, but some do.
by Gadget
Mon Jul 17, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Net Worth?
Replies: 22
Views: 2875

Re: Personal Capital - Net Worth?

You just hit link account, and at the bottom there is a spot that says add home value from zillow. If you hit the more button, you can add a car or any other random thing if you want to, but I've only done the home.
by Gadget
Fri Jul 14, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: PersonalCapital.com help
Replies: 21
Views: 1798

Re: PersonalCapital.com help

Other than Zillow values, the biggest swing for me in personal Capitol net worth is that sometimes it doesn't read my mortgage loan from my bank for some reason. It usually corrects in a couple days. But leaves a big short spike in my net worth chart.
by Gadget
Wed Jul 05, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: OK529 plan - what investment options to choose?
Replies: 3
Views: 233

Re: OK529 plan

I guess rereading your question, I missed that relatives were contributing a lot, so my state deduction details aren't as good and probably not applicable. The details still apply though on if you want to move the funds to a better state's 529. As far as if they will go to college or not... It's som...
by Gadget
Wed Jul 05, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: OK529 plan - what investment options to choose?
Replies: 3
Views: 233

Re: OK529 plan

I'll attempt help since I'm also in Oklahoma. You can get a state tax deduction of up to $20,000 per year if married ($10k single). And in the brochure details, check out the section on Deduction Limitations and Recapture. As long as you hold onto the OK 529 funds for at least 1 year or longer, you ...
by Gadget
Tue Jul 04, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: When to reinvest taxable and IRA dividends
Replies: 8
Views: 799

Re: When to reinvest taxable and IRA dividends

Thanks for the advice Livesoft. Makes sense. I meant that I turn off dividend reinvestment on my and my wife's Roth IRAs, both of which have Vanguard Total International Index. I also turn off dividend reinvestment on my Vanguard brokerage account in taxable, which has Total International and Total ...
by Gadget
Tue Jul 04, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4746

Re: Anyone bought a Pixel?

My wife has the Pixel and I have the Pixel XL. We love them. Best camera on a phone I've seen by far, including the recent iphone (excluding the portrait mode). Also the best Android phone you can get for everyday use in my opinion (if you prefer Android over Apple). Samsung makes a much prettier sc...
by Gadget
Tue Jul 04, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: When to reinvest taxable and IRA dividends
Replies: 8
Views: 799

When to reinvest taxable and IRA dividends

I have my taxable and IRA dividends set to not reinvest automatically in order to make future tax loss harvesting easier. I'm trying to figure out when you should reinvest dividends though. In other words, do you wait until you have a few hundred dollars before repurchasing stocks? A few thousand? D...
by Gadget
Sun Jul 02, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8726

Re: LED Flood Light Question (CREE/FEIT/Etc)

I have tried almost every brand. In my opinion, Phillips warm glow leds are the best for those that want an incandescent replacement (yellow Hue not daylight). They dim closer to an incandescent than any other by far, don't buzz, and can get almost as dim as incandescent. I have not had them for ver...
by Gadget
Thu Jun 29, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Sell Energy Index (VDE) and take loss?
Replies: 51
Views: 4077

Re: Should I Sell Energy Index (VDE) and take loss?

What's going to cause it to rebound? I struggle to see any near-term catalyst that significantly improves the environment. You took it as either a speculative bet and need to decide if you cut your losses or not or you're in it very long-term. I'm seeing pretty weak fundamentals long-term but that'...
by Gadget
Thu Jun 29, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3287

Re: Amazon Echo vs. Google Home: which to get?

I prefer the Google Home over the Amazon Echo. Both are good. To me though, the google device is a better long term bet. You can ask it random questions and it has a way better answer rate. At least in my testing. There are probably internet studies on the accuracy, but I prefer my real world use ca...
by Gadget
Mon Jun 19, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 4672

Re: Need to find Loaded Index Funds

So curious which firm is doing this... Sounds very Edward Jonesian.
by Gadget
Mon Jun 19, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4811

Re: Good camera - new baby coming

I have a Canon 7D mark II with a 50 mm 1.4 lens. It is great for staged photos. I can get almost as good as pro photography with it. My problem is that since I'm not a pro, I really have to think about the settings and lighting and sometimes experiment to get the picture right. In real life situatio...
by Gadget
Fri Jun 16, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12513

Re: Amazon Buys Whole Foods

If I can get whole foods delivered to my location same day via Amazon I'll be thrilled. Whole foods is like 45 minutes away from me right now. My local grocery stores just aren't as good.
by Gadget
Fri Jun 16, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 1485

Re: Who mixes android and iOS

You say the high end pixel c tablet is too expensive, that's fine. But then you can't turn around and compare all the cheapo Android tablets to an iPad. Most of the iPad are comparable in price to a pixel c or Samsung s3. If you're comparing to an iPad and want equivalent experience on Android, you ...
by Gadget
Wed Jun 14, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5870

Re: I'm going to be rich!

Is this tool better than personal capitals retirement planner? Or just different?
by Gadget
Wed Jun 14, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 258
Views: 31763

Re: Good Modern Science Fiction

Harry Dresden novels. I started number 1 2 months ago and know have completed all 15. Harry dresden/detective/practicing wizzard. The Dresden Files Just finished the first Dresden Files novel, Storm Front, by Jim Butcher. Pretty decent. Sort of a mix of crime noir and supernatural fantasy. A bit fl...
by Gadget
Tue Jun 13, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 14473

Re: Who takes financial chances and why is this forum so financially conservative?

I just wanted to say for those of you who don't know, there's a subreddit called FIRE which stands for Financially Independent, Retire Early, which is essentially the younger version of bogleheads. By definition, most are not yet retired. If you're looking for advice (and implicit higher risk toler...
by Gadget
Wed Jun 07, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3574

Re: Gas station prices and quality

I'm sure top tier matters, but in my area I think ethanol free gas matters more. My old car gets 4 miles to the gallon better with ethanol free gas. Our new car doesn't get better gas mileage with ethanol free gas, but I suspect ethanol free gas has the same improved long term maintenance that top t...
by Gadget
Mon Jun 05, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 33
Views: 2954

Re: Has anyone had problems gifting Vanguard shares to an organization?

+1 on Fidelity DAF. I didn't need any medallion signatures or anything. It was pretty easy and straightforward. If you don't want to pay the DAF expense ratios, then just donate the money immediately after sending it to the DAF. It also saves a few seconds on filling out charitable contributions at ...
by Gadget
Fri Jun 02, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 5359

Re: Recommendation of Security Cameras for Exterior of House

I like the quality of the wired ones much better for exteriors. It seemed to me you could get a better camera for the price. You don't need pan/tilt, just a good location with good picture quality both day and night. And WiFi ones need power anyway... I chose hikvision. Happy so far.
by Gadget
Fri Jun 02, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin analysis via public trend indicators
Replies: 35
Views: 2740

Re: Bitcoin analysis via public trend indicators

I just don't understand the need for bitcoins in the US. Maybe someone can enlighten me. I understand why people in other countries like China want a crypto currency like bitcoins to catch on. And why they use it. But to me that just makes the risk of the Chinese government or some other country to ...
by Gadget
Wed May 31, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 4183

Re: Using LastPass to Manage Passwords

This thread is now in the Personal Consumer Issues (computer security). Also see my post: Re: Firefox painfully slow Update: The post explains that LastPass has broken Firefox. I've dumped LastPass in favor of KeePass. I usually use Chrome, but I opened Firefox just now and Lastpass works fine. May...