Search found 71 matches

by palaheel
Mon May 21, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless, Unlocked Phones, Advantages, SIM Size
Replies: 10
Views: 696

Re: Cricket Wireless, Unlocked Phones, Advantages, SIM Size

If WiFi calling is important, Cricket says that you have to purchase the phone from them. I’m not sure how they could tell my Cricket purchased but now unlocked iPhone SE from my wife’s unlocked non Cricket iPhone SE, but that’s what they claim. I think it’s a great feature. I get no cell signal in ...
by palaheel
Fri May 18, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Short Term Government Bond Fund?
Replies: 2
Views: 430

Re: Which Vanguard Short Term Government Bond Fund?

Thank you. I wondered if I was missing something.
by palaheel
Thu May 17, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Short Term Government Bond Fund?
Replies: 2
Views: 430

Which Vanguard Short Term Government Bond Fund?

I would appreciate advice about which short term government bond fund I should use in my 401k. My choices are VSGDX, Vanguard ST Federal Adm, ER .10% VFIRX, Vanguard ST Treasury Adm, ER .10% The main difference I see is that VFIRX is "debt issued directly by the government in the form of Treasury bi...
by palaheel
Wed May 16, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 2940

Re: Unique Phone Apps that you find yourself using most often?

Google maps for traffic and directions, Amazon Prime for music, MicroSoft Outlook for work email, YouVersion for David Suchet reading the Bible, HiYa for spam call detection, SigFig for portfolio tracking, FoxNews for the depressing stuff, iPhone's Podcast app. Has anyone else noticed that Google Ma...
by palaheel
Mon May 14, 2018 8:08 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8926

Re: The front page is ugly

freebeer wrote:
Mon May 14, 2018 4:27 am
"...The home page loads fast and adapts well to mobile devices ...
+1. And any changes should load at least as fast and adapt at least as well to mobile devices.
by palaheel
Wed May 02, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1835

Re: Asheville, NC Visit

summer stock:

https://www.flatrockplayhouse.org/

http://parkwayplayhouse.com/


Mt Mitchell, highest point east of the Mississippi


Cherokee, Unto These Hills drama
by palaheel
Wed May 02, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4440

Re: How are you widow-proofing?

I left my wife a note that says "call Vanguard PAS."
by palaheel
Fri Apr 27, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 6368

Re: White Coat Investor Interviews Paul Merriman

I'm also a fan. My 401k offers several DFA funds, and I use them to tilt to small and value. I wish I'd known about doing that years earlier.
by palaheel
Thu Apr 26, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10794

Re: Larry Swedroe: Financial Perils Of Old Age

My plan is to hike the Appalachian Trail in my early 80s. I figure I won't make it out of Georgia.
by palaheel
Sun Apr 22, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 87
Views: 4978

Re: AAA? What to do in car emergencies?

We use Allstate Good Hands Rescue. It's a pay-per-use program, so it's free as long as we don't need help. We do not have Allstate insurance.

https://www.allstate.com/roadside-assis ... escue.aspx
by palaheel
Fri Apr 20, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS
Replies: 5
Views: 447

Re: Opinions on current Morgan Stanley portfolio - and move to Vanguard PAS

Most people on this board are a lot better at this than I am, but I did play around with this a bit. The equity portion of the OP portfolio has a style box 19 26 35 04 04 07 02 02 02 and is roughly 50/50 US/International. I compared this portfolio to VTSAX Vanguard Total Stock Mkt Indx Adm 25% VTMGX...
by palaheel
Wed Apr 18, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6603

Re: vanguard notice - retiring our old investment platform

i admit to being a dummy. How do I tell if I'm on the old platform or the new one?
by palaheel
Sun Apr 15, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Investing for a 1 year old
Replies: 9
Views: 1145

Re: Investing for a 1 year old

Paul Merriman has some ideas along these lines:

https://paulmerriman.com/turn-3000-into-50-million/
by palaheel
Wed Apr 11, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3408

Re: Any aggressive index funds in your portfolio?

As someone said, most people here are "buy the market" investors. If you want to start tilting, you might want to look at paulmerriman.com. He has a small/value philosophy.
by palaheel
Fri Mar 30, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: taxes: e-file vs. paper
Replies: 51
Views: 3591

Re: taxes: e-file vs. paper

Are there differences in auditing rates between electronic and paper returns? Many years ago I heard that electronic returns had a slightly higher chance of being audited.
by palaheel
Fri Mar 16, 2018 5:19 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3311

Re: Which Day Hiking Trails Do You Recommend?

In southwest Virginia, park in Grayson Highlands State Park, and hike a loop involving the Appalachian Trail, Thomas Knobb shelter, Crest Trail, and the Scales.
by palaheel
Sun Feb 11, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: No DFA Forums?
Replies: 8
Views: 981

Re: No DFA Forums?

Some 401(k)s offer DFA, so a DIY approach isn't impossible. Agreed. My former employer has the following DFA funds available (and a couple of others that I don't use): DFEOX DFA US CORE EQ 1 I DFEVX DFA EMERG MKTS VAL I DFFVX DFA US TARGET VAL I DFISX DFA INTL SMALL CO I DFIVX DFA INTL VALUE I DFVQ...
by palaheel
Thu Feb 08, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1175

Re: Need advice on getting advice, SS/Medicare/allocation

Thanks again to everybody. The book is ordered, I have a list of local SHIIP offices, and I'm again amazed at the wealth of knowledge on this board.
by palaheel
Wed Feb 07, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1175

Re: Need advice on getting advice, SS/Medicare/allocation

Thanks again, everyone. I think I have the beginnings of a plan: concentrate on Medicare, buy Medicare for Dummies (it's pretty cheap), and go through https://www.ncdoi.com/SHIIP/Default.aspx (I looked at it for a bit--it's a big, big site--it'll take some time).
by palaheel
Wed Feb 07, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1175

Re: Need advice on getting advice, SS/Medicare/allocation

Many thanks for the responses. "Medicare for Dummies" sounds like a great book for us. I'm so clueless on Medicare that I don't know the questions to ask. I work for the State (NC), and we'll be covered by our State health plan when I turn 65. One option I have is to work long enough to be able to b...
by palaheel
Wed Feb 07, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1175

Need advice on getting advice, SS/Medicare/allocation

I'm 64, DW is 63. We haven't started taking Social Security, yet. I think I could benefit from a one-time meeting with someone who could give me a game plan for Social Security and Medicare as it will apply to our situation. Looking over our retirement account allocations might also be useful, but t...
by palaheel
Sat Jan 20, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35176

Re: What's your U.S. : International ratio?

Going back further shows a less-clear picture. Comparing (blue) Vanguard International Growth, VWIGX, (an active fund, and hardly index based, but one of the oldest international funds that I could find), and the (yellow) Vanguard 500 Index (VFINX) shows that from 1981 through 1996 International was...
by palaheel
Sat Jan 20, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 88
Views: 6171

Re: Post Your Morningstar Box Style

14 09 07
13 13 11
13 12 07

Much of the Large Value is EM Value; my 401k doesn't have many choices there. And my Developed International choices force either "too Large" or "too Mid." I choose the latter.
by palaheel
Sat Jan 20, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?
Replies: 28
Views: 1881

Re: Finding Best USA-To-Europe FLIGHT When Dates Are Not Limiting Factor?

Depending on what you want to do, the daylight hour difference between summer and winter can be significant. London is getting around 8.5 hours of daylight today. We've done trips in the dark; they're not as much fun.
by palaheel
Sat Jan 20, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35176

Re: What's your U.S. : International ratio?

I'm 50/40/10 US/Developed International/Emerging. I allocate with the market weights, though within each segment I tilt to small and value.
by palaheel
Sat Dec 16, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 11407

Re: Uber vs Ambulance - HUGE cost difference

In our area, an ambulance will get you into a bed in the ER immediately. If Urgent Care is closed, our discussion is "do we want to call for an ambulance, or sit in the waiting room for 3 hours?"
by palaheel
Wed Dec 13, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 27
Views: 5337

Re: Podcasts for Bogleheads?

columbia wrote:
Sat Dec 02, 2017 11:27 pm
Paul Merriman
http://paulmerriman.com/podcasts/
+1
by palaheel
Mon Dec 11, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2582

Re: Cricket Wireless: What are the gotchas?

Cricket works well for DW and me. The hotspot situation is a bit of a pain. We are on the 2GB for $30, and have never come close to the limit.
by palaheel
Wed Dec 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 268
Views: 19851

Re: Do people still use AAA?

We have Allstate's free Good Hands Rescue service. It's pay per use. If we need it, someone always comes, and the price is non-ripoff. If we don't need it, it's free. We're not Allstate customers.
by palaheel
Mon Nov 20, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 12726

Re: H&R Block Software

Years ago, I preferred TT. Then TT instituted a policy that their software could only be installed on one computer. A dead machine, IRS question about a prior return, or the need to modify a return could get expensive; I switched to H&R Block. TT eventually changed their mind, but I've stuck with H&...
by palaheel
Fri Nov 10, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Light Usage Cricket Customers Plan Tweaks
Replies: 0
Views: 236

Light Usage Cricket Customers Plan Tweaks

There are discussions of the Family Plan tweaks elsewhere on the forum, but they also tweaked the lower-usage plans: $40/mo ($35 w/ autopay) increases from 4GB to 5GB $30/mo (no autopay discount) increases from 1GB to 2GB Those of us who don't use much data, but were still nervous about a 1GB limit,...
by palaheel
Sun Oct 08, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004526

Re: What Movie Have You Recently Watched?

Has anyone seen "The Death of Stalin"? I saw a trailer, and it was hilarious. It's officially released, I think, but not available anywhere I can find. Did I miss it?
by palaheel
Fri Sep 29, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 6819

Re: My Smartest Financial Moves

I stayed in the market. I've done a lot of less-than-great things (not the best asset allocation, low on contribution percentages), but I've never panicked and sold in a bear market.
by palaheel
Sun Sep 24, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 10201

Re: Where do you get your news?

Another vote for Real Clear Politics. They point to things from MSNBC, Fox News, The New York Times, The Federalist, and things in between.
by palaheel
Fri Sep 22, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2862

Re: Phone Techies .....

Another "iPhone SE is good" vote. Check the MVNOs that use the carrier of your choice for deals. Also pay attention to the lock period; six months is common.
by palaheel
Sun Aug 20, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 3515

Re: Other financial sites worth reading

http://paulmerriman.com/

He does slice and dice, small value tilted portfolios. He has per-company 401(k) portfolio recommendations. And he has an incredible amount of data going back to 1970. And there's plenty of other stuff.
by palaheel
Fri Aug 18, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 2391

Re: Debt collector called, should we call them back?

I was once harassed by such people. They gave out no information about who they were pursuing; they only wanted me to provide my information in a futile hope that doing so would cross me off their hit list. Any resistance I displayed reinforced their "yeah, sure, buddy" attitude. I decided to offer ...
by palaheel
Thu Aug 17, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: WSJ - ... Stop Index Trackers [from] Eating the Economy
Replies: 23
Views: 3503

Re: WSJ - ... Stop Index Trackers [from] Eating the Economy

Somehow IBM didn't seem too worried about this problem. https://www.rebalance-ira.com/center-for-retirement-investing/index-investing/cri/why-ibm-moved-to-index-investing/ Jay Vivian of the Rebalance IRA Investment Committee and former IBM pension and retirement fund manager, on why IBM moved to ind...
by palaheel
Wed Aug 16, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 26298

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

If company A does business in or with country B who is in a conflict (violent or not) with group C, when is A involved in genocide? Who gets to decide when A crosses the "genocidal" line? I'm ok if I get to make that decision. If someone else makes it, well, that might be different.
by palaheel
Sun Aug 13, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 13339

Re: Dave Ramsey spends two segments on his investing advice

We should separate his "get out of debt" advice from his investment advice. The former can be life changing for those in debt. The latter, well, it's not the Boglehead way.
by palaheel
Sat Aug 12, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4623

Re: Cheapest way to upgrade iPhones ?

If you want to keep the same iPhone 5 form factor, there are lots of deals for iPhone SE versions with MVNOs. New phones are $170 to $230 as I remember, depending on capacity. Most have a 6 month wait for unlocking.
by palaheel
Wed Jul 26, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 5459

Re: Metropcs iPhone SE $200

So, here's my question. Can I buy an SE from Consumer Cellular, use it on CC and unlock it after 6 months, and then stick a SIM in it for a Verizon MVNO and use it on Verizon instead of AT&T? In other words, will it be like any unlocked SE that can be used on either network? I'm far from an expert ...
by palaheel
Wed Jul 26, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 5459

Re: Metropcs iPhone SE $200

I've heard that AT&T is tightening up on their process. I was denied unlocking. I suggest picking the network you want to be on and shopping its MVNOs for deals. There are plenty to be had. You'll have to be with that MVNO for a period of time, ~6 months for most of them. After that, have the phone ...
by palaheel
Mon Jul 24, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Apple or AT&T
Replies: 16
Views: 1962

Re: Apple or AT&T

Do you need a new phone? If not, ask your carrier to unlock it and play the field. If so, what phone do you need? If you're willing to commit into a particular MVNO for 3 months to 1 year (depending on MVNO), you can get a discount. There are lots of good iPhone SE deals at the moment. Pick your car...
by palaheel
Sun Jul 23, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3861

Re: Commuters (that drive), what do you listen to?

I listen to the Bible. youversion.com is free and has Android and ios apps. The law of Moses is an incredible document. The prophets and epistles are amazing as well.
by palaheel
Fri Jul 21, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 5917

Re: MVNO's versus the Big 4

So I've narrowed it down to AT&T and Cricket, given that Consumer Cellular does not have coverage where my daughter will likely be going to college. What is the difference between the two of them, given that Cricket is owned by AT&T? Thanks. By the way, I called AT&T - for three phones they have a ...
by palaheel
Mon Jul 17, 2017 5:00 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 5459

Re: Metropcs iPhone SE $200

Unfortunately, I tried this yesterday. I went to the link, entered the IMEI # from the unwrapped box, and submitted the request. I received the email to confirm the request which I did. I checked the status link today and received the message at the top that the phone has not be active for 6 month....
by palaheel
Wed Jul 12, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 9166

Re: Do you consider business travel to be a perk or a burden?

It was fun for the first 5 minutes. After that, not so much.
by palaheel
Sun Jul 09, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 9736

Re: how to destroy hard disk with personal info

There are some really cool magnets in them. Have a budding engineer kid help unscrew the case and you have, essentially, a classic speaker voice coil just sitting there. Anything stuck to the fridge with the magnets will stay where it's put, whether you want it to or not.
by palaheel
Sun Jul 09, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 5707

Re: Dave Ramsey's advice on investing?

Attitude (aka motivation) not intellect is by far the most important part of getting on the right path financially. In an academic vacuum, the optimum path is all about paying down the biggest interest rates. People are not machines, and if you can get them excited about paying off credit card debt...