Search found 332 matches

by palaheel
Mon Aug 03, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Any deals on a good home computer?
Replies: 26
Views: 1622

Re: Any deals on a good home computer?

Where is the go to place for finding good deals on SSD and RAM?..Also, if I decide to build one, where would you recommend I purchase the parts? I built a couple of machines 10-20 years ago. Some of my takeaways are: Know why you want to build a machine. Some reasons to do it are -the fun of the ex...
by palaheel
Sat Aug 01, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Unmotivated daughter and son in law.
Replies: 115
Views: 9416

Re: Unmotivated daughter and son in law.

Enroll them into Dave Ramsey financial peace university. If that doesn’t work, offer to buy daughter a condo if she gets divorced from the deadbeat. Mortgage on 400k at these rates is very low. That’s my view. I agree with the Financial Peace University suggestion. Not so sure about that other part...
by palaheel
Fri Jul 31, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Wasp nest
Replies: 85
Views: 4001

Re: Wasp nest

michaeljc70 wrote:
Fri Jul 31, 2020 4:23 pm
I just came back from the store and it seems all the wasp/yellowjacket sprays warn against using it on evergreens.
I had a 6 inch diameter circle of dead grass when I evicted my Yellow Jacket nest. In your situation, I'd call a professional and explain the situation.
by palaheel
Fri Jul 31, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Wasp nest
Replies: 85
Views: 4001

Re: Wasp nest

I think I will give one of the long range sprays a try tonight. The main issue is I don't know exactly where their nest is. Once they fly in there, it is too dark/dense to see exactly where they are going even during the day. I've removed a few wasps nests this summer from various areas on my prope...
by palaheel
Fri Jul 31, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Wasp nest
Replies: 85
Views: 4001

Re: Wasp nest

If they are underground, they may be yellow jackets, which are nasty aggressive. I find the hole's exact location from as far away as possible during daylight. After dark, I take a flashlight that I hold well away from my body and use a wasp/hornet killer that shoots a solid stream, starting at leas...
by palaheel
Thu Jul 30, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9500

Re: Recommend 3 southern locales to retire!

Bogleheads: I am interested in getting some feedback on retiring down south with the following criteria and hope you make suggestions: 1) decent cost of living (sliding scale I know but Please ruLe out the palm beaches of the world) 2) close to ocean 3) decent “community” where a transplanted north...
by palaheel
Tue Jul 28, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11386

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). I also agree with mountai...
by palaheel
Mon Jul 27, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: TV antenna
Replies: 48
Views: 2288

Re: TV antenna

I would like to move my antenna as well, but can't run a cable from the best antenna location to my TV. Supposedly, an airtv or HDHomeRun would let me move my antenna and throw the signal via wifi to my Roku on my TV. (The HDHomeRun needs ethernet, but I could plug it into one of my mesh network sat...
by palaheel
Sun Jul 19, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - 12% per year from mutual funds?
Replies: 118
Views: 5052

Re: Dave Ramsey - 12% per year from mutual funds?

Less than two hours from thread opening to character attack. Does anyone who's actually listened to his show for more than 5 minutes dispute that the vast majority of his time is spent on debt and household finances? And that the vast majority of his audience is focused on those issues? Does anyone ...
by palaheel
Sun Jul 19, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: 0.00% Yield on the Vanguard Short-Term Treasury Fund
Replies: 196
Views: 13514

Re: 0.00% Yield on the Vanguard Short-Term Treasury Fund

As someone who lived through the great inflation of the late 1970s/early 1980s, I am amazed at today’s low rates. There was one month during 1981 when my Fidelity money market fund earned at the annualized rate of 20%. I expect that I’ll never see that again. I hope we never see that again. My firs...
by palaheel
Sun Jul 19, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 47
Views: 6023

Re: Picking a VPN -- 2019

Back on the main topic of the difficulty of selecting a trustworthy VPN provider. Several “no logging” VPN providers apparently leaked a bunch of log data. https://www.theregister.com/2020/07/17/ufo_vpn_database/ The winning quote: "The vast majority of companies that operate these services use pat...
by palaheel
Sun Jul 19, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: sweet spot for used cars: Price and mileage?
Replies: 52
Views: 4244

Re: sweet spot for used cars: Price and mileage?

What about a new VW? You can get an alltrak for mid 20s. They have fairly long warranties now. I like them. Have driven one. Spouse will not support VW due to corporate malfeasance (though the ethics are murky since this would be the secondary market). Well, yes, but we all know people who won't bu...
by palaheel
Sat Jul 18, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios Premium
Replies: 11
Views: 1011

Re: Schwab Intelligent Portfolios Premium

Schwab will put some money in a basically 0% cash account, and that cash drag represents a hidden cost. That doesn't mean it's a bad plan--it's one of the things I suggested DW consider when I keel over. But it should be counted in the cost.
by palaheel
Sat Jul 18, 2020 7:10 pm
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8071

Re: Until What Age Would You Recommend 0% Bond Allocation?

My only advice is to do what helps you sleep at night. My bond percentage was low single digits until I was 55. I had intended to start adding bonds at 50, around 15 years before retirement, but forgot :oops: . I'm now 66, and in the 45-35% bonds range. Losing money in stocks doesn't bother me. Stoc...
by palaheel
Fri Jul 17, 2020 5:15 pm
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 54
Views: 4964

Re: Questions for Rick Ferri and Paul Merriman?

What will the Financial Advising industry look like in 10 years? How much will it cost retirees who don't want to deal with withdrawal plans, RMDs, rebalancing, etc to hire an advisor?
by palaheel
Fri Jul 17, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 54
Views: 4964

Re: Questions for Rick Ferri and Paul Merriman?

bloom2708 wrote:
Fri Jul 17, 2020 3:40 pm
I would ask them about the bond side with rates where they are at.
And how does this affect a safe withdrawal rate.

Should the asset allocation shift more to stocks?
by palaheel
Fri Jul 17, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: Another Used Car Thread
Replies: 32
Views: 2016

Re: Another Used Car Thread

I would strongly consider a 4WD/AWD car. I was surprised at the improved control it gives in bad weather.
by palaheel
Wed Jul 15, 2020 7:35 am
Forum: Investing - Theory, News & General
Topic: What is your Morningstar Style Box?
Replies: 12
Views: 565

Re: What is your Morningstar Style Box?

My International holdings are 19 10 01 12 10 07 17 13 11 My US holdings are 13 13 13 12 10 05 15 13 06 Overall, that comes out to 14 11 07 12 10 05 17 14 09 I tried Merriman's UBH. Then I saw TrevH's 4-fund simplification. I took the DFA funds my 401k offers and played with TrevH's ideas until I cou...
by palaheel
Tue Jul 14, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRS - Getting a live person for questions
Replies: 6
Views: 413

Re: IRS - Getting a live person for questions

There's also the problem that the IRS doesn't guarantee that you'll get the right answer.
by palaheel
Mon Jul 13, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 74
Views: 7714

Re: Helping my nephew out of his rut

Your nephew sounds like a good candidate for Dave Ramsey. You could pay for his Financial Peace University course. +1 for DR. As divisive DR may be on this forum, you can't discount the effectiveness of his process for getting out of debt. His book can be found for free at libraries and his courses...
by palaheel
Mon Jul 13, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 74
Views: 7714

Re: Helping my nephew out of his rut

Your nephew sounds like a good candidate for Dave Ramsey. You could pay for his Financial Peace University course.
by palaheel
Mon Jul 13, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Becoming teacher after reaching FIRE? Advice needed!
Replies: 86
Views: 6942

Re: Becoming teacher after reaching FIRE? Advice needed!

I live in the RTP area, and recently retired from a second career teaching Community College. I paid into Social Security, and I'm virtually certain public school teachers do as well. We were in the same retirement plan. The NC State Teachers and Employees handbook is here https://files.nc.gov/retir...
by palaheel
Mon Jul 13, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9500

Re: Recommend 3 southern locales to retire!

Humidity can be rough inland, too. When we want to escape it, we take a trip to the mountains. Elevation seems to reduce it more than just distance from the ocean. Wherever you go, move your heart as well as your feet. Become as much of a local as possible, with local attitudes and outlook. If you f...
by palaheel
Thu Jul 09, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2846

Re: Need advice for raspberry pi

raspberrypi.org has a lot of good information. Here's their How to set up your Raspberry Pi 4 for the first time document.

https://projects.raspberrypi.org/en/pro ... setting-up
by palaheel
Mon Jun 29, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: USPS Package Odd Routing
Replies: 22
Views: 1778

Re: USPS Package Odd Routing

On April 11, I mailed a Priority Mail envelope in Raleigh, NC destined for Charlotte, NC. It left Raleigh and arrived in Charlotte, on the 12th It left Charlotte on the 13th, and arrived in Raleigh on the 15th It left Raleigh, and by way of Greensboro, arrived in Charlotte on the 16th It left Charlo...
by palaheel
Mon Jun 29, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16619

Re: What is the best financial decision you ever made?

Starting to invest at all. My family were "bank saving account" people. I decided to buy a mutual fund (Wellington, I think).
by palaheel
Sat Jun 27, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 16263

Re: Which College degrees are worthwhile?

Regarding software development, during your first couple of CS courses, you should develop a moth-to-flame relationship with the discipline. If that doesn't happen, probably software development isn't for you. It is a very consuming activity. Nobody does it because it's easy; it isn't. But some of u...
by palaheel
Thu Jun 25, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Father sort of scammed, anything else to do?
Replies: 19
Views: 2836

Re: Father sort of scammed, anything else to do?

Also, you might check if the villains infected his router with malware. I helped my friend reboot his router. He'd forgotten the password, and I suggested "password". It worked. If I can do that, a crook certainly could.
by palaheel
Thu Jun 25, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Father sort of scammed, anything else to do?
Replies: 19
Views: 2836

Re: Father sort of scammed, anything else to do?

A similar thing happened recently to a friend. The evil doers were able to log into his computer remotely and were probably scanning his hard drive for personal information. Recovery involved changing all of his bank account/credit account/etc numbers and passwords. He uses Fidelity for his investme...
by palaheel
Wed Jun 24, 2020 10:05 am
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5230

Re: Vanguard Personal Advisors Services

From https://investor.vanguard.com/financial-advisor/personal-advisor-services?cmpgn=RIG:PS:CMPNG:XX:05222019:TXL:TXT:SA:GS:PAS:B:FA:GEN:PRO:FAS:6:PHP The annual cost for Vanguard Personal Advisor Services is just 0.30% of the assets we manage for you. If we manage a substantial amount of assets fo...
by palaheel
Wed Jun 24, 2020 9:02 am
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5230

Re: Vanguard Personal Advisors Services

From https://investor.vanguard.com/financial-advisor/personal-advisor-services?cmpgn=RIG:PS:CMPNG:XX:05222019:TXL:TXT:SA:GS:PAS:B:FA:GEN:PRO:FAS:6:PHP The annual cost for Vanguard Personal Advisor Services is just 0.30% of the assets we manage for you. If we manage a substantial amount of assets for...
by palaheel
Wed Jun 24, 2020 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Got a call from a debt collection agency
Replies: 19
Views: 2331

Re: Got a call from a debt collection agency

An attorney once told me that debt agencies have the right to sue, but not the right to harass. He told me to say "from now on, you will communicate with me only in writing." Evidently, if they keep calling after that, they're violating the law. Once I started that, the calls fell off quickly, thoug...
by palaheel
Tue Jun 23, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 139
Views: 12988

Re: I Got Scammed To Send Amazon Gift Cards

It's been a long time since I sent email programmatically, but be careful believing that an email "came from" someone you know. The "From" and "Reply to" fields are just like the return address on an envelope of snail mail; they are not verified at all. I could send you an email from "potus@whitehou...
by palaheel
Tue Jun 23, 2020 11:30 am
Forum: Personal Investments
Topic: Optimal withdrawal strategy??
Replies: 14
Views: 1669

Re: Optimal withdrawal strategy??

Have you seen the work and book by McClung entitled Living Off Your Money ? Go to http://livingoffyourmoney.com where you can download the TofC and the first 3 chapters with chapter 3 being one of the better chapters to explain withdrawal concepts and examines about a dozen strategies with 30 years...
by palaheel
Tue Jun 23, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5374

Re: How do people sell a house and buy one at the same time?

We moved into an apartment with a 6-month lease close to our desired location. The old house was in a good market, and priced fairly. It sold before we'd completed the touch-ups. DW then proceeded to break her hip rollerblading, and was confined to the apartment for six weeks. After that, we began l...
by palaheel
Thu Jun 18, 2020 10:09 am
Forum: Personal Investments
Topic: I am beginner, it's hard to decide when to buy.
Replies: 41
Views: 2257

Re: I am beginner, it's hard to decide when to buy.

There is always news that the market may fall. And it could at any instant. Nobody knows, and don't listen to anyone who says they do. If this is a retirement account, at 28 I'd be 100/0, but that's just me. I'd also invest regularly with an IRA or 401k. If i can wait, is 100/0 a good ratio? (in re...
by palaheel
Thu Jun 18, 2020 7:22 am
Forum: Personal Investments
Topic: I am beginner, it's hard to decide when to buy.
Replies: 41
Views: 2257

Re: I am beginner, it's hard to decide when to buy.

There is always news that the market may fall. And it could at any instant. Nobody knows, and don't listen to anyone who says they do. If this is a retirement account, at 28 I'd be 100/0, but that's just me. I'd also invest regularly with an IRA or 401k. Vanguard suggests a 4-ETF strategy with total...
by palaheel
Thu Jun 18, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3042

Re: My very first $martphone!!! Please help me decide.

DW and I started out with Android phones. They work just fine, and the hardware is less expensive than iPhones. But I was surprised at how quickly manufacturers stop supporting them with OS and security updates. We currently use 2016 iPhone SEs, and they're still receiving updates. Part of Apple's h...
by palaheel
Sat Jun 06, 2020 5:28 am
Forum: Personal Investments
Topic: Personal Advisory Services fpr Surviving Spouse-Good Idea?
Replies: 14
Views: 1276

Re: Personal Advisory Services fpr Surviving Spouse-Good Idea?

I gave my wife a "what to do if I fall over" letter. I listed three places she should contact, and to pick the one she felt most comfortable with: Vanguard PAS (fee 0.3% plus underlying funds' ERs) Fidelity's hybrid robo advisor (fee 0.5%, includes funds' ERs) Schwab's hybrid robo advisor, Intellige...
by palaheel
Thu Jun 04, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Converting 401k to Roth IRA
Replies: 6
Views: 584

Re: Converting 401k to Roth IRA

I also congratulate you on your saving amount. When I was 27, DW was putting hubby through grad school on a shoestring; we didn't even have a savings account. Understand that Federal law protects 401k and IRA accounts differently regarding things like bankruptcy, protection from creditors, or person...
by palaheel
Tue Jun 02, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: How important is a light colored interior for your car in Florida? What about Apple CarPlay?
Replies: 43
Views: 2426

Re: How important is a light colored interior for your car in Florida? What about Apple CarPlay?

Go to any parking lot on a hot sunny summer day. Put your hand down on white colored car hood or roof for 15-20 seconds. You will not get burned. Do so on a very dark color, especially black paint, and your skin will actually burn. The difference in temperature is significant. This can be observed ...
by palaheel
Fri May 29, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Carolina/Virginia Summer Vacation
Replies: 56
Views: 3024

Re: Carolina/Virginia Summer Vacation

Pretty much what Tubes said... It's been several years since we went to the Outer Banks. In the north, Duck and Corolla are pretty sparsely populated, but there's not much entertainment, either. You might see the wild horses. South of Nags Head is a national seashore. Going further south is Hatteras...
by palaheel
Thu May 28, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1595

Re: Bird Nest Forming Under Deck

You could install a web cam and stream the happenings. Sort of like turning lemons into lemonade. Here's the Baby Robin Cam: https://www.youtube.com/watch?v=JaVqSRY6Hvk
by palaheel
Thu May 28, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9385

Re: Mesh Wifi

Several recent video conferences exposed problems in my home network. I decided that I mostly needed more uniform coverage. Better QoS capabilities and speed were secondary issues. I didn't want to sink a lot of money into the project. I chose the least expensive Wi-Fi 6 mesh system I could find, th...
by palaheel
Tue May 26, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: [implications of] Delisting Chinese stocks?
Replies: 23
Views: 1442

Re: [implications of] Delisting Chinese stocks?

Googling

Sarbanes-Oxley Act chinese companies

will bring up recent news stories that are far from hypothetical.
by palaheel
Tue May 26, 2020 9:17 am
Forum: Investing - Theory, News & General
Topic: [implications of] Delisting Chinese stocks?
Replies: 23
Views: 1442

Re: Delisting Chinese stocks

I think the reason for delisting would be the failure to comply with the Sarbanes-Oxley Act.
by palaheel
Mon May 25, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 728

Re: Software advice needed: remote tech assistance

+1 on WebEx. I used a freebie WebEx account for virtual office hours for years. It is great for interactive, 1 on 1 help sessions. I'm not sure about the pricing, but it could also be used for remote seminars. You could also package videos for YouTube. For example, Screencast of how-to do certain th...
by palaheel
Mon May 25, 2020 8:54 am
Forum: Personal Investments
Topic: How to rebalance in retirement? Various options. Advice needed.
Replies: 15
Views: 1312

Re: How to rebalance in retirement? Various options. Advice needed.

I retire this month, and am also figuring out how to withdraw funds. It's a lot harder than accumulating. :shock: I'm about a third of the way through Michael McClung's Living Off Your Money . There is a long thread discussing the book here https://www.bogleheads.org/forum/viewtopic.php?t=192105 . M...
by palaheel
Thu May 21, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20626

Re: Bird watchers – what birds are you seeing?

Here's a great video stream of a Robin's nest with chicks. https://youtu.be/JaVqSRY6Hvk