Search found 621 matches

by Freefun
Mon May 25, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 46
Views: 2746

Re: Peer to peer lending in this day and age

The only P2P I do is via Kiva. I don’t care about my return - or if I even lose all the money I’ve lent.
by Freefun
Thu May 21, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3419

Re: Do you dislike recurring billing for gyms?

I pay LA fitness with a credit card. Worst case scenario is I dispute with the bank but I’ve never had an issue.
by Freefun
Wed May 20, 2020 5:52 am
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1968

Re: Apple iPad vs Notebook

I buy most of my apple stuff on ebay and have saved lots of money. Never a problem as I’ve used reputable sellers with return policies.
by Freefun
Wed May 20, 2020 5:40 am
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

Note that most home safes can be broken into easily. Here’s just one method: https://youtu.be/ApJQ2wcYjBo I’ve seen videos like this with different methods for every safe I’ve owned. I still use a safe which is secured (bolted) but if they know what they’re doing it doesn’t take much to simply open ...
by Freefun
Mon May 18, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

I’d clean the hard surfaces myself, ask for NO room service or anyone entering during my stay. Probably bring my own pillow cases.
by Freefun
Mon May 18, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

We stayed at a Marriott last week. Some of the changes that they've made include: Valet is closed, must self park now. Gym/pool closed. No breakfast. They gave us a breakfast in a bag which consisted of an orange, granola bar, and yogurt. The lobby was locked and had to ring a bell. They also had c...
by Freefun
Tue May 12, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4822

Re: 90%+ chocolate bar

My favorite chocolate is from Hu Kitchen

https://hukitchen.com/collections/chocolate
by Freefun
Tue May 12, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2584

Re: Regret Concept 2 Model D purchase

Bought mine during the pandemic. Love it.
by Freefun
Sun May 10, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Scams that make me laugh -- what are you favorites?
Replies: 105
Views: 13870

Re: Scams that make me laugh -- what are you favorites?

Motley fools RARE all-in alert, which has been running for years now.
by Freefun
Wed Apr 22, 2020 7:48 pm
Forum: Personal Investments
Topic: AAPL MSFT GOOG AMZN ???
Replies: 85
Views: 6481

Re: AAPL MSFT GOOG AMZN ???

I’d sell them and invest in thE 3 fund portfolio for maximum diversification.

https://www.bogleheads.org/wiki/Three-fund_portfolio
by Freefun
Sun Apr 05, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using ONLINE Visa gift card down to $0?
Replies: 12
Views: 639

Re: Using ONLINE Visa gift card down to $0?

I’ve done this many different ways. As others mention you can add to amazon balance with gift cards. You can pay utilities bills with them. You can purchase Apple gift cards. They allow at least 2 credit cards to be used at the same time (used to be more). For gift cards with small balances I’ve usu...
by Freefun
Fri Apr 03, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9173

Re: Investments you wouldn't touch with a 10 foot pole

Anything Cramer recommends buying.
by Freefun
Fri Apr 03, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6261

Re: Should I keep paying fitness center fees while it is closed?

My gym just sent an email indicating that they will be closed for another month and will not be charging anyone for their monthly fees.
by Freefun
Mon Mar 30, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Are people already doing this in a brokerage account? Requesting tips on how would you set this strategy up in Brokerage account (do not have tax advantaged space). I would like to use the current market downturn to invest 100k in 55:45 split. Late 30s with long term time horizon. Would buy in when...
by Freefun
Sat Mar 28, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2266

Re: Should I get Life Alert, or similar?

Buy a used Apple Watch for SOS purposes.
Worth the price IMHO.
by Freefun
Wed Mar 25, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1716

Re: My treadmill broke. Now what?

Just bought a Concept 2 rower. Love it!
Built like a tank and easy to move or store.
by Freefun
Mon Mar 23, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3141

Re: New Amazon order & delivery processes?

They’re out of stock of some items because they’ve intentionally stopped taking deliveries to prioritize more critical things.
by Freefun
Mon Mar 23, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3141

Re: New Amazon order & delivery processes?

They are prioritizing critical deliveries and health supplies including those for their workforce.
by Freefun
Mon Mar 23, 2020 11:29 am
Forum: Personal Investments
Topic: I can not do a sell on Schwab
Replies: 14
Views: 931

Re: I can not do a sell on Schwab

I’ve done many today with no issue at all.
by Freefun
Fri Mar 20, 2020 6:03 pm
Forum: Personal Investments
Topic: VWLUX and VWIUX [Long and Intermediate tax-exempt]
Replies: 94
Views: 5470

Re: VWLUX and VWIUX [Long and Intermediate tax-exempt]

VWIUX took another beating today. Assuming I don’t need the money near term do I just wait it out or should I sell? I could use the TLH if prudent.

Would greatly appreciate advice.
by Freefun
Wed Mar 18, 2020 2:12 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Bought upro @ 21 today. Let’s see how tomorrow goes lol. Using limits and stops certainly helps.
by Freefun
Tue Mar 17, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Yesterday I would very much have liked to have had the option to trade at the end of the day that M1 doesn't offer. I could see the familiar two-day pattern coming from a mile away, with the big increase in TMF/UPRO spread at close Monday followed by big decrease in spread Tuesday at close today. I...
by Freefun
Tue Mar 17, 2020 4:30 pm
Forum: Personal Investments
Topic: Safety of Money Market Funds Currently
Replies: 149
Views: 11903

Re: Safety of Money Market Funds Currently

Has anyone’s MMF actually ever gone under (<$1) ?
by Freefun
Wed Mar 11, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Ok so now I’m down overall.

I thought this was guaranteed to only go up? (Kidding)
by Freefun
Wed Mar 11, 2020 10:44 am
Forum: Personal Investments
Topic: Tax questions - IRA withholding and estimated taxes
Replies: 1
Views: 135

Tax questions - IRA withholding and estimated taxes

HI all. Some basic questions. I’m about to withdraw the balance of an inherited IRA and I’ll specify to withhold a % for taxes. Since I’m also selling equities in a taxable account with large gains, I figured I would estimate a larger than necessary % on the IRA distribution. This, I hope, would off...
by Freefun
Fri Mar 06, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I would like to open an IRA account with Ally so I can have a small IRA and put the funds in PSLDX. I went to the Ally website but I’m confused by their many different types of IRAs (not Roth vs Trad etc. but all their brand names). Does anyone know what type of account to open if I just want to fu...
by Freefun
Thu Mar 05, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I would like to open an IRA account with Ally so I can have a small IRA and put the funds in PSLDX. I went to the Ally website but I’m confused by their many different types of IRAs (not Roth vs Trad etc. but all their brand names). Does anyone know what type of account to open if I just want to fun...
by Freefun
Mon Mar 02, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

My Excellent Adventure performance updated in first post in this thread. High watermark before coronavirus volatility was $190k. Future updates will be annual, as this is a long term strategy. Thanks for posting your update and of course many thanks for the excellent adventure! I haven’t had this m...
by Freefun
Mon Mar 02, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I’m looking forward to upcoming (quarterly?) portfolio update by Hedgefundie. Mine got somewhat clobbered. Still has a gain (~25% down from 80%) and still an adventure!
by Freefun
Sun Feb 16, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use plaid.com?
Replies: 37
Views: 4009

Re: Does anyone use plaid.com?

M1 is now using plaid.
by Freefun
Fri Feb 14, 2020 6:35 pm
Forum: Investing - Theory, News & General
Topic: Buy stocks. There is no end in sight to America’s economic boom.
Replies: 27
Views: 3030

Re: Buy stocks. There is no end in sight to America’s economic boom.

This time it’s different.

I am glad I have an AA and sticking to it.
by Freefun
Wed Feb 12, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft
Replies: 13
Views: 2033

Re: Identity theft

Either monitor accounts frequently and/or set up alerts. That’s what I do (had ID theft). Also I’ve spread the money around a bit so I don’t get completely locked out of something.
by Freefun
Wed Feb 12, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Expensive ink cartridge for Canon printer
Replies: 21
Views: 898

Re: Expensive ink cartridge for Canon printer

I have had great success buying cheap printer ink. I include a link below to ink that I have purchased. I realize your printer model may be different but I’m just pointing out that finding inexpensive ink is easy. I may have had a bad cartridge every now and then but at this price I really don’t car...
by Freefun
Fri Feb 07, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14378

Re: Family man who misses driving a fun car

Thanks all. Good recommendations. Why don't you just rent one for a couple of days, like for your Birthday? Get it out of your system. You might enjoy it more if it's a special occasion event. Buying that special car can be like marriage, the thrill wears thin after awhile. Can you rent a manual fr...
by Freefun
Tue Feb 04, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Not going on the last leg of the flight
Replies: 32
Views: 3444

Re: Not going on the last leg of the flight

It’s against the contract of carriage. Whether the airline does anything about it is another thing.

This is well known with a small cottage industry build around it.

Many blogs on it.

https://onemileatatime.com/skip-flight-what-happens/
by Freefun
Thu Jan 30, 2020 7:56 pm
Forum: Forum Issues and Administration
Topic: Disable edits after 48 hours, 1 week, etc.
Replies: 48
Views: 3422

Re: Disable edits after 48 hours, 1 week, etc.

I like this forum just the way it is.
by Freefun
Wed Jan 29, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4946
Views: 428372

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Anybody see this notice from Proshares? https://www.proshares.com/important_notice.pdf The SEC is apparently trying to make it more difficult to buy leveraged funds. Does it apply to the plain multiple funds like SPXL/TMF/UPRO or does it apply to funds like NTSX too? ETA: SEC doc: https://www.sec.g...
by Freefun
Wed Jan 29, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 6988

Re: Considering an iPad. Is it worth it?

Yes its worth it.

I purchased my iPad and all my Apple devices used on eBay. This was after many years of buying them new. I could not be happier. I bought the latest technology at about 60% of the cost of a new device.
by Freefun
Mon Jan 27, 2020 7:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631341

Re: U.S. stocks in free fall

A wall of worry can be a good thing. These are sometimes healthy in giving pause so that markets can gain more steam on the upside. More,concerning is when complete market euphoria occurs and everybody thinks there's no way but up.
by Freefun
Sun Jan 26, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Stairway to Financial Heaven
Replies: 31
Views: 3079

Re: Stairway to Financial Heaven

I got lost in the article.

If I want stairway to (any) heaven (which I do) then I’ll watch this

https://youtu.be/LFxOaDeJmXk

If I want financial 30-70 (which I do) then rick Ferri’s article helped me

viewtopic.php?t=286097
by Freefun
Sat Jan 25, 2020 11:59 am
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4025

Re: Happy Birthday Taylor! 96 years young!

Happy Birthday !!!
by Freefun
Thu Jan 23, 2020 8:58 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26570

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss.
by Freefun
Wed Jan 22, 2020 7:52 am
Forum: Investing - Theory, News & General
Topic: Where does the money go when the S&P goes down?
Replies: 53
Views: 6742

Re: Where does the money go when the S&P goes down?

It goes to the folks that bet the market will go down.

There’s always someone on the other side of the trade.
by Freefun
Tue Jan 21, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: to pre-nup or not?
Replies: 133
Views: 11924

Re: to pre-nup or not?

My primary concern with my partner is her relationship with money. She's been reluctant to lay out all of her finances to me, including her spending habits, and that gives me pause. Given your statement and absent children you may want to rethink marriage. If you proceed then of course have a prenup.