Search found 606 matches

by GmanJeff
Wed Jul 01, 2020 2:13 pm
Forum: Personal Investments
Topic: PAS advisor portfolio [Why did they setup my accounts like this?]
Replies: 186
Views: 8545

Re: PAS advisor portfolio

Or get simpler with a 50/50 US stock/ bond portfolio for all three accounts that I manage on my own. That’s what I wanted to do but the advisor didn’t agree. I don’t know if I’m being bamboozled. I definitely had to make some kind of change since I had made such a big behavioral error in March. I r...
by GmanJeff
Tue Jun 30, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Where are residential real estate prices heading?
Replies: 14
Views: 1486

Re: Where are residential real estate prices heading?

I think anyone who tells you which directions prices will go in the future, whether for equities, bonds, real estate, or tulips, is either clairvoyant or just guessing. Historically, over long periods of time, inflation results in the prices of most things rising, but in the kind of time frames you'...
by GmanJeff
Tue Jun 30, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Seeking input on type of family car to purchase and whether to buy new or used
Replies: 37
Views: 1488

Re: Seeking input on type of family car to purchase and whether to buy new or used

The latest safety features, such as automated emergency braking, will require a relatively new vehicle, Carrying 5 people for any distance with any degree of comfort means a somewhat larger vehicle. A new base trim level Mazda 6 sedan or CX-5 SUV might fit the bill, would probably be a bit more fun ...
by GmanJeff
Sun Jun 28, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 55
Views: 8060

Re: Entrance Fee for Retirement Community

The CCRCs that I have personal experience with don’t have cottages; independent living is apartment-style. I would cross those off my list then. If you are in reasonably good health, and can afford the larger entry fee, you would be happier in a cottage. If the CCRC offers nothing but apts. the mos...
by GmanJeff
Wed Jun 24, 2020 2:04 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisors Services
Replies: 78
Views: 5143

Re: Vanguard Personal Advisors Services

Thanks for sharing that. This is the first I’ve heard of an advisor using more that the standard four funds..but it seems like you’re in a lot! I also have more than 4 funds. Some have fewer than 4 funds. The number of funds, the funds used to construct a portfolio, and the proportions of bond to e...
by GmanJeff
Tue Jun 23, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Recommendation for Elder?
Replies: 12
Views: 744

Re: Robot Vacuum Recommendation for Elder?

I have a just-discontinued model Shark robovac which is relatively simple. It does not map the floor, but gently bumps into obstacles and changes course, eventually covering all surfaces although through an erratic pattern. Their current offerings both map the floor, and are more expensive: https://...
by GmanJeff
Mon Jun 22, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Keeping documents safe
Replies: 20
Views: 1323

Re: Keeping documents safe

I have moved several times for work over the past 7+ years We moved a lot while I was working. That is one of the reasons I have the law firm who did our will retain an original signed copy in their document vault. Many law firms will not retain such documents for clients because firms can and do e...
by GmanJeff
Mon Jun 22, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Keeping documents safe
Replies: 20
Views: 1323

Re: Keeping documents safe

A UL-rated fire chest can provide protection against damage from heat. This provides a summary of the various levels of protection UL certifies: https://www.klsecurity.com/ul_fire_rating.htm. Unrated burglar-resistant safes also provide some level of protection against fire damage/loss, depending on...
by GmanJeff
Sat May 30, 2020 6:22 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10764

Re: Is Vanguard's Personal Advisor Service Worth It???

The target date fund glide path is completely different than what is used in digital advisor and PAS, so, no, it's not the same model. We can easily see the Target Date fund glide paths made available online. Where would one be able to see this for Digital Advisor and PAS, given you are suggesting ...
by GmanJeff
Fri May 29, 2020 7:40 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10764

Re: Is Vanguard's Personal Advisor Service Worth It???

The target date fund glide path is completely different than what is used in digital advisor and PAS, so, no, it's not the same model. We can easily see the Target Date fund glide paths made available online. Where would one be able to see this for Digital Advisor and PAS, given you are suggesting ...
by GmanJeff
Fri May 29, 2020 5:18 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10764

Re: Is Vanguard's Personal Advisor Service Worth It???

If you read how Vanguard constructs its Target Date Funds you'll see they use the same proprietary modeling. I don't disagree that PAS is useful, but I haven't observed it to be especially individualized. https://personal.vanguard.com/pdf/ISGTDF.pdf. I have said I don't subscribe to PAS but have se...
by GmanJeff
Fri May 29, 2020 3:33 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10764

Re: Is Vanguard's Personal Advisor Service Worth It???

...I don't think PAS provides any special sauce in terms of portfolio construction. Seems like a Target Fund would work just as well. What PAS does provide is a low cost solution for investors who want extra help and guidance. This may or may not be seen as "special sauce", depending whether you th...
by GmanJeff
Wed May 27, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1827

Re: Robot vacuums

Has anyone with rugs with large areas of black perimeter trim or with patterns incorporating large black squares, had issues with their robotic vacuum refusing to cross such surfaces? I have read that most, if not all, robotic vacuums use infrared sensors to detect stairs and that such sensors inter...
by GmanJeff
Fri May 22, 2020 7:41 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10764

Re: Is Vanguard's Personal Advisor Service Worth It???

Search the site for prior threads on this topic, which are plentiful. Portfolios suggested by PAS vary with client objectives and risk tolerance, and are not all identical despite statements you'll read to the contrary, often from the same misinformed people who offer to anonymously advise you for f...
by GmanJeff
Sat May 16, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3268

Re: "Fancy" drip/pour-over coffee makers

All my research said Technivorm Moccamaster or Bonavita. I went with the Bonavita because of how high the profile of the Technivorm is (I have low cabinet overhangs, so the Bonavita allows me to slide it back under the cabinets. I love it. Best and most consistent cup of coffee I can find anywhere....
by GmanJeff
Mon May 11, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Check Endorsement Problem-Question
Replies: 20
Views: 1323

Re: Check Endorsement Problem-Question

Back in the dark ages it was really common to do things like deposits by mail. One option would be to just put it in an envelope with a deposit slip and mail it to them. You can add your account number to the "deposit only" notation. Assuming that it is not a gigantic check that would be little dif...
by GmanJeff
Mon May 11, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Internet Device for Elder Parent
Replies: 24
Views: 1661

Re: Internet Device for Elder Parent

You may want to consider this: https://www.grandpad.net/ It appears to work well, and for the target audience offers advantages over conventional tablets and cell phones. For example, it can be configured without some default features, such as the ability to summon a ride-sharing service, which may ...
by GmanJeff
Tue May 05, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1670

Re: Amica vs USAA Insurance

It's difficult to compare rates with USAA because they usually pay a dividend back annually to policyholders which reduces the effective cost of their coverage. The amount of the dividend is unpredictable, but is often significant.

No complaints here about their service.
by GmanJeff
Mon May 04, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 2968

Re: Considering getting an espresso maker - thoughts?

My wife and I love our Saeco Syntia superautomatic. Purists scoff at a fully automatic machines because you have limited control over the grind. But the point of these machines is convenience, you can get a very good cup of coffee in around a minute versus fiddling around for many minutes to maybe ...
by GmanJeff
Tue Apr 28, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Music experts - troubleshoot a microphone
Replies: 10
Views: 540

Re: Music experts - troubleshoot a microphone

A replacement cable will be an inexpensive experiment. Something like this will probably be just fine for your application, just pick the length you want: https://www.musiciansfriend.com/accessories/musicians-gear-lo-z-xlr-microphone-cable?rNtt=mic%20cable&index=1 As an aside, vocals through an elec...
by GmanJeff
Wed Apr 22, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6539

Re: Expert Consultant: $110 / hr??

I have gotten $500/hr for that type of activity. I'd think the rate you can expect depends heavily on your resume and consequential perceived value to the client which retained the intermediary to identify SMEs. In my experience, the end clients have been investment firms engaged in due diligence ar...
by GmanJeff
Sat Apr 11, 2020 6:00 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17777

Re: Ponzi Scheme?

Notify the FBI "anonymously' (incognito) j :happy Reporting anonymously is less likely to prompt action because it limits the agency's ability to elicit pertinent and perhaps even necessary information which may have been inadvertently omitted in the original complaint. It would be better to just r...
by GmanJeff
Wed Apr 08, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3161

Re: Coffee Grinders

I have had a Breville Smart Grinder Pro for several years which has performed very well. The footprint isn't excessive, it's easy to operate, simple to clean, and has a wide range of setting options. I run Urnex Grindz through it very infrequently, to remove coffee oils and grind particles from the ...
by GmanJeff
Mon Apr 06, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Will I regret getting rid of my 12-string guitar?
Replies: 17
Views: 1227

Re: Will I regret getting rid of my 12-string guitar?

A 12-string is a nice complement to other guitars, but likely would be somewhat limiting if you have no others. I have one and enjoy it, but play it less often than some of my many others, all of which are 6-strings of one type or another. 12-strings can be more challenging to play, requiring more f...
by GmanJeff
Sun Apr 05, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Phone number & email compromised on dark web
Replies: 23
Views: 1399

Re: Phone number & email compromised on dark web

Personally identifiable information present on the Dark Web is usually for sale or is otherwise being held out specifically for exploitation by malicious actors. You might want to enable multifactor authentication for any sites where you use your email address as the user name component of your log-...
by GmanJeff
Wed Apr 01, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 8988

Re: Online / Gun Dealer Recommendations

I have used Glock's Blue Label Program: https://us.glock.com/en/buy/blue-label-program
by GmanJeff
Sun Mar 29, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please
Replies: 33
Views: 3599

Re: Pros/Cons on Retiring to Florida Gulf Coast & Recommended Areas Input Please

You might consider having a second, part-time home there. A condo, while your least preferred option, can give you a lock-and-leave option you can enjoy during the more pleasant weather as a snowbird. While travelling back and forth twice annually may not be ideal, it's an approach taken by many who...
by GmanJeff
Sat Mar 28, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Any ex-lawyers here?
Replies: 44
Views: 3824

Re: Any ex-lawyers here?

Many FBI Special Agents are former practicing attorneys, although relatively few were in very large law firms. It's a viable alternative use for a law degree for those interested in the Bureau's missions and the benefits of federal government "special category" employment.
by GmanJeff
Fri Mar 27, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Career choices for young man
Replies: 22
Views: 2440

Re: Career choices for young man

Of course, as you seem to be trying to say, anyone whose conduct, background, or attitude towards security disqualifies them is not going to be suitable for or happy in such employment. Similarly, people in support functions, e.g., non-sworn, non-operational staff, may lack the sense of mission whi...
by GmanJeff
Fri Mar 27, 2020 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Career choices for young man
Replies: 22
Views: 2440

Re: Career choices for young man

A government career in the right agency can be rewarding in a way no contractor (or other type of) company can begin to approximate, and will offer a pension and lifetime healthcare subsidy. Make a career of it, retire on the early side from an agency which offers early retirement for certain law e...
by GmanJeff
Thu Mar 26, 2020 2:35 pm
Forum: Personal Investments
Topic: Vanguard PAS during recent crisis
Replies: 9
Views: 1150

Re: Vanguard PAS during recent crisis

From the PAS brochure: Restrictions on Portfolio accounts - While enrolled in the ongoing advised service, you shouldn’t purchase or sell securities in your Portfolio without prior assistance from an advisor, and you may be restricted from such activity until you terminate the ongoing advised servic...
by GmanJeff
Fri Feb 28, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Help Buying First Car for Son
Replies: 11
Views: 730

Re: Help Buying First Car for Son

Mileage alone is not really all that dispositive of future reliability. It's the type of mileage which matters more. That is, a car which which has accrued most of its mileage in highway driving will likely last longer than a lower mileage car used for shorter trips in stop-and-go traffic. The latte...
by GmanJeff
Thu Feb 27, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1244

Re: Photochromic Transitions glasses

SciurusVulgaris wrote:
Wed Feb 26, 2020 6:41 pm

That's a good idea. I can try Zenni Optical's Photochromic tints to see if any are lighter, or don't cause as much problem on cloudy days or in the woods.
https://www.zennioptical.com/blog/do-ze ... ansitions/
by GmanJeff
Tue Feb 25, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6305

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

Most residential safes provide limited levels of protection against theft and fire. Increasing price usually corresponds to increased weight, theft and fire resistance. UL provides ratings for fire and burglar resistance, but many brands of residential safes are unrated. You may want to Google safe ...
by GmanJeff
Mon Feb 24, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: how to figure a pension in total compensation
Replies: 3
Views: 443

Re: how to figure a pension in total compensation

It's likely your HR department can provide an estimated monthly pension income for you, based on the parameters you give them - planned retirement age, anticipated salary changes over time, etc. From that, you can work backwards to calculate the amount of principal you'd have to accumulate by that s...
by GmanJeff
Mon Feb 24, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for very young person promoted
Replies: 17
Views: 2799

Re: Advice for very young person promoted

In my experience, people react well to being attentively listened to, and to feeling that their input is valued and their concerns considered in decisions which affect them. Making clear that you are an advocate for your subordinates will engender their loyalty. Similarly, with respect to peers and ...
by GmanJeff
Sun Feb 23, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Golfers - how often do you get new clubs?
Replies: 46
Views: 2673

Re: Golfers - how often do you get new clubs?

Compare your existing clubs to current models by testing them side by side at a store with a launch monitor. You'll have your answer.
by GmanJeff
Sat Feb 22, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 81
Views: 15436

Re: Using Vanguard’s advisors

Any thoughts or recommendations. Thinking about moving funds to a trust account and also getting advice about T-IRA conversions to Roth IRA’S. Have you had good experience with Vanguard’s advisors ? The costs add up and you could just ask those questions on this forum... The difference is Vanguard ...
by GmanJeff
Thu Feb 20, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 3980

Re: Guitar for a 45 year old beginner

Ask for suggestions here, and you'll likely receive many replies addressing both considerations in selecting an instrument, and suggestions for specific brands and models in any price range you define.

https://www.acousticguitarforum.com/for ... 47307&f=24
by GmanJeff
Wed Feb 19, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Having no luck finding a professional fiduciary
Replies: 46
Views: 3991

Re: Having no luck finding a professional fiduciary

Consider a discussion around this with the social workers at Continuing Care Retirement Communities in your area, where these kinds of issues do arise. Residents in Independent Living sometimes have no local family, or no family at all, and may eventually need administrative support of varying level...
by GmanJeff
Mon Feb 17, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3082

Re: Any ideas for a little extra money each year?

No need to limit yourself to on-line activities unless you can't leave your residence. Many things can be done in relatively short shifts which are less than full-time. Teaching courses at community centers which often offer classes in a range of areas - athletic activities, music, art, technology, ...
by GmanJeff
Tue Feb 11, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28025

Re: Protection Against Home Intruders

One simple step is to prominently post window stickers and yard signs announcing the presence of a security system, on all sides of the property. Burglars will generally choose an un-alarmed property over one where they risk an encounter with an alerted homeowner and where a police response may be e...
by GmanJeff
Tue Feb 11, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4050

Re: How often do you need new car tires?

Just ordered news tires for the original Bridgestones on my 2016 Subaru Outback. 41K and I could probably get another 5K on them but, for me, I never push tires to the limit. Much better to replace a bit early and avoid the safety risk of driving on older tires. Absolutely! Deferring the expense of...
by GmanJeff
Tue Feb 11, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4050

Re: How often do you need new car tires?

Tires should be replaced every six years regardless of wear. Rubber ages and it can result in catastrophic failure. It is true that mileage alone should not be dispositive of tire life. See, e.g., https://www.tirerack.com/tires/tiretech/techpage.jsp?techid=267 and, https://www.tirerack.com/tires/ti...
by GmanJeff
Mon Feb 10, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4050

Re: How often do you need new car tires?

Tire life depends on many factors, including the type of tire, vehicle weight, how the tire was maintained, and driver technique. High performance tires have softer and stickier compounds than economy-focused tires, and wear much faster. Heavier vehicles increase wear for a given tire over a lighter...
by GmanJeff
Mon Feb 10, 2020 6:50 pm
Forum: Personal Investments
Topic: Best Robo Advisor Experience
Replies: 3
Views: 662

Re: Best Robo Advisor Experience

You might like to review the Robo Report published by Backend Benchmarking. https://www.backendbenchmarking.com/the-robo-report/, which provides performance and other information for a wide universe of robos. Some manage quite a bit of money, suggesting their customers find value in what they are re...
by GmanJeff
Mon Feb 10, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Fun Side Income in Retirement?
Replies: 50
Views: 4345

Re: Fun Side Income in Retirement?

I play in a rock band. It's a hobby with incidental income to help offset associated expenses.
by GmanJeff
Wed Jan 29, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to save BIG in a HCOLA
Replies: 64
Views: 5169

Re: How to save BIG in a HCOLA

Is renting long term a viable (efficient) financial option in NoVa? We plan on buying a home only if it makes sense financially. If renting makes more sense we will just be renting. We have a “gypsy” lifestyle and plan on moving to “the beach” :beer in 6 years when all the kids are in college. You ...
by GmanJeff
Wed Jan 29, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to save BIG in a HCOLA
Replies: 64
Views: 5169

Re: How to save BIG in a HCOLA

I will actually be working in Loudoun county and Manassas. So I can afford to be further away. You can find nice homes in Loudoun in a wide range of prices, but it will be difficult to get by without a car. Metro's Silver Line will eventually extend into the County, but the housing in walking dista...