Search found 486 matches

by Freefun
Tue Aug 20, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: DSL Advice
Replies: 29
Views: 1577

Re: DSL Advice

Try NordVPN. It should provide ample security over DSL, public WiFi etc.
by Freefun
Sun Aug 18, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 75
Views: 7035

Re: WSJ print edition renwal time - any discounts?

This may have been mentioned already but there’s usually good discounts on eBay. I’ve purchased the digital version on eBay and been happy.
by Freefun
Fri Aug 16, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Luggage Tracker
Replies: 18
Views: 1121

Re: Luggage Tracker

I haven’t used this but heard good things about it.

https://www.thetileapp.com/en-us/luggage-trackers
by Freefun
Wed Aug 14, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 441
Views: 15779

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I'm still at the original 40/60 with quarterly rebalance. I'm doing this mainly in taxable, so as this thing grows (using new contributions to top up the underperforming asset [UPRO!] to avoid ST gains), I will have the added "lock-in" factor to help me stay the course. Same. All of these traders w...
by Freefun
Wed Aug 14, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3251

Re: Family Practice going member only Pros & Cons?

My doctor switched to MDVIP. I tried it but didn’t like the cost (around $300 per quarter) as it wasn’t covered by my insurance. I already pursued my own wellness goals prior to this so I had little to gain by this offering in the MDVIP program. In summary I ended up changing doctors.
by Freefun
Wed Aug 14, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5220

Re: Do you "lock" computers in your home?

My home computers lock quickly. They unlock with my Apple Watch, so it's super fast and convenient. +1 I have apple devices e.g. MacBooks or iMac. They lock themselves and automatically unlock when I approach wearing my Apple Watch. I addition I use apple FileVault so if someone steals the entire d...
by Freefun
Wed Aug 14, 2019 4:41 am
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 9468

Re: Breakfast Menu After Retirement

For me, IF usually 18:6 but can go to 20:4. First meal is usually mostly fruit. I’m almost retired but expect to keep the same routine (it’s easier for me to go 20:4 when I’m not working).
by Freefun
Tue Aug 13, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4483

Re: Ideas for Little Charges to keep Cards active

Ok but I thought this thread was about using credit cards.
by Freefun
Tue Aug 13, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4483

Re: Ideas for Little Charges to keep Cards active

All my cards have automated charges to various charities. Feels good. With so many posts, I hope someone has suggested a donation to the John C. Bogle Center for Financial Literacy by now. It's really important. If the site closes, none of know how to find livesoft's YouTube channel. How can I dona...
by Freefun
Tue Aug 13, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4483

Re: Ideas for Little Charges to keep Cards active

All my cards have automated charges to various charities. Feels good.
by Freefun
Tue Aug 13, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4359

Re: Vanguard website fail at the propitious moment

I’m having problems logging on as well. Getting a bit nervous about having my holdings with them.
by Freefun
Wed Aug 07, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 102
Views: 9954

Re: Amazon -- no longer the lowest prices, evidently

Their system can change prices 24/7 based on who's shopping, how they shop, what other sellers are charging and supply/demand (aka "surge pricing" and "dynamic pricing"... airlines do the same thing). The camelcamelcamel site is handy for monitoring Amazon pricing. For example, if you browse a numb...
by Freefun
Mon Aug 05, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I’ve been doing this “adventure” in portions of several IRAs which are at Schwab. Is it possible for me to transfer these to M1? The caveat is that it’s only a portion of each IRA and I’d like to keep the remainder at Schwab. I don’t know how specify only a portion, which holdings etc. I suppose one...
by Freefun
Mon Aug 05, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7207

Re: Is our spending crazy?

You appear to have an expensive lifestyle. You may want to think about your comfort level if this is maintained up to and in retirement. I realize some expenses will change a bit perhaps not the general way of living and spending.
by Freefun
Mon Aug 05, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7272

Re: Financial anxiety and next steps in relationship

I think the initial step is to have a heart-to-heart conversation to make sure that your financial values, strategy etc. are compatible . If they are not then you’re much better off knowing now.
by Freefun
Thu Aug 01, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

MotoTrojan wrote:
Thu Aug 01, 2019 2:00 pm
anoop wrote:
Thu Aug 01, 2019 1:45 pm
This is too complicated for me to understand. Will you manage my money for me?
I will for 2+20.
I’ll do it for less if it means plopping your money in an M1 account and hitting the rebalance button quarterly. :D
by Freefun
Thu Jul 25, 2019 3:48 pm
Forum: Personal Investments
Topic: first time poster, my portfolio
Replies: 10
Views: 831

Re: first time poster, my portfolio

Just curious: you're 25. Why do you have your portfolio positioned as if you are 75 years old? I'm scared of investing at peak and of spending 10-15 years recuperating losses. I was 60-40 on stocks but recently have been putting earnings into short term bonds thus the current allocation. The little...
by Freefun
Thu Jul 25, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 30
Views: 3016

Re: Best place to buy Pistachio and Salmon?

yukonjack wrote:
Mon Jun 24, 2019 2:02 pm
I would start with Costco for both items.
+1. I get both at Costco.
by Freefun
Wed Jul 24, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Ok, I bought into this around end of May. 60/40 TMF/UPRO. Now I’m about 50/50. When should I rebalance - once a quarter? So do I wait until end of august or rebalance now since it’s deviated a bit?
by Freefun
Fri Jul 12, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3722

Re: How to encrypt Cloud backups?

Apple does encryption automatically with FileVault.
by Freefun
Wed Jul 10, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Scrubber machine to clean tile floors?
Replies: 8
Views: 704

Re: Scrubber machine to clean tile floors?

We just purchased a new home and there is quite a bit of tile flooring. We've mopped the floor which gets the surface clean but the tiles are not smooth but have a texture to them that a regular floor mop can't reach. The mop just glides over the textured part (valleys in the tile) so there is stil...
by Freefun
Wed Jul 10, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8971

Re: Who cuts your hair? And for how much?

Sports clips, $14 + $3
by Freefun
Wed Jun 19, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Any free iOS apps to track time?
Replies: 7
Views: 600

Re: Any free iOS apps to track time?

I use hours tracker app. Not free but was cheap (I don’t remember the price). I LOVE it.
by Freefun
Sat Jun 08, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Find my iPhone battery drain when checking someone's location?
Replies: 2
Views: 308

Re: Find my iPhone battery drain when checking someone's location?

Many options due to many apps. 2 common ones:

Using apple family sharing tends to use a decent amount of battery life.

Using share location in google maps typically uses much less battery because the intervals are longer.
by Freefun
Sat Jun 01, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Negotiate for Used Car via Email
Replies: 13
Views: 971

Re: Negotiate for Used Car via Email

I sent emails after using trucar to understand the best price I could get. I made offers via their “internet sales people” and some dealers said i need to come in to negotiate. But I was persistent and a dealer accepted my offer and said come and get the car. Went over, wrote a check and was on my w...
by Freefun
Thu May 30, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4638
Views: 1197432

Re: What Movie Have You Recently Watched?

Avengers Endgame. Pretty good.

John Wick 3. Ok. Seemed like a race to see how many people can be killed per second. I enjoy Keanu’s acting much more in a movie like Destination Wedding.
by Freefun
Thu May 30, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - May 2019 Update (1903)
Replies: 44
Views: 4099

Re: Windows 10 - May 2019 Update (1903)

I had to switch to Apple ever since Microsoft Vista crashed every machine I owned.
by Freefun
Thu May 30, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1806

Re: Recommendations for a budget TV

auggiedoggies wrote:
Wed May 29, 2019 9:41 am
renue74 wrote:
Tue May 28, 2019 9:59 pm
TCL TVs on Amazon.

Great.
2nd this. The 55 inch is on sale right now, best value you will find.

https://www.amazon.com/TCL-55R617-55-In ... B079N9HDNQ
3rd this. Exceptional stuff for the price.
by Freefun
Tue May 28, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: AmEx rewards points
Replies: 15
Views: 1433

Re: AmEx rewards points

Amazon makes it easy to use MR points as a payment method.
by Freefun
Fri May 24, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well this is the most fun I’ve had with investing in a while. I got in at the wrong time (about a month ago when equities started sliding) but I’ve been up a few dollars each day courtesy of TMF gaining a bit more than what UPRO was losing. I love the volatility. 3x is fun to look at. I’m sure I’ll ...
by Freefun
Fri May 24, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

finite_difference wrote:
Fri May 24, 2019 2:12 pm
If I set this up in M1 Finance do I still have to click a button?

Because I don’t want to click a button.
I can help by clicking a button for you for a small fee. :greedy
I have extensive button-clicking experience.
by Freefun
Wed May 22, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3127

Re: What computer to buy for snowbird

I purchased several MacBook pros used on eBay. Very pleased to get good technology much cheaper than new (and I’m not a fan of the new models anyway). They work great.
by Freefun
Tue May 21, 2019 6:02 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 262510

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well, this thread seems to be attracting a lot of new members. I wonder if it was linked from somewhere? I thought I saw mention of it on a reddit post or some other forum discussing similar strategies. Yes, this thread is referenced in reddit in several places. Here’s one : https://www.reddit.com/...
by Freefun
Tue May 14, 2019 11:54 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7972

Re: For how long will the forum be around?

For me this is the best forum ever for financial / investment knowledge. I don’t necessarily understand everything but hands down this has to be the best collection of wisdom and kind-hearted people I’ve seen. In fact many recurring themes e.g. stay the course, discipline, compounding small wins etc...
by Freefun
Mon May 13, 2019 3:40 pm
Forum: Personal Investments
Topic: Thoughts on Schwab
Replies: 37
Views: 3884

Re: Thoughts on Schwab

I have accounts at Schwab, Fidelity, and Vanguard.
I like Schwab's platform and customer service the most out of those three.
I use fidelity for CMA and VG mostly for BH 3-fund.
by Freefun
Mon May 13, 2019 6:44 am
Forum: Investing - Theory, News & General
Topic: Should we discourage the bond tent?
Replies: 148
Views: 13080

Re: Should we discourage the bond tent?

Whew. I was planning on a bond tent but after reading this thread I wonder if my One More Year syndrome, thought to be cured this year (and the year before that yada yada yada) may last forever.
by Freefun
Tue May 07, 2019 5:34 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5969

Re: Anybody try the Blue Apron or the like?

I used Personal Trainer Food. If you want to cook or really enjoy meals this is probably not for you. If you want to lose weight - well I lost 60 pounds (now oround 130) and those I referred it to lost weight (“change-your-wardrobe” weight)
by Freefun
Tue May 07, 2019 5:28 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 4197

Re: Voya financial - WHY WOULD ANYONE USE THEM?

My employer uses Voya. Expenses range from .01% to .04% depending on the fund.
by Freefun
Tue May 07, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2237

Re: Saving passwords on iCloud

1Password and apple keychain along with apple hard drive encryption all work for me.
by Freefun
Tue May 07, 2019 5:07 am
Forum: Personal Investments
Topic: How long for Cost Basis to Transfer to Vanguard
Replies: 6
Views: 637

Re: How long for Cost Basis to Transfer to Vanguard

It took me 6 months to 1 year.
by Freefun
Sat May 04, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2237

Re: Saving passwords on iCloud

Apple note pad can itself be password protected. Have you enabled this?
by Freefun
Fri May 03, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated quarterly taxes / LTCG
Replies: 1
Views: 264

Estimated quarterly taxes / LTCG

Hi folks. I’m a newbie when it comes to paying estimated taxes and can use some advice. Every year I typically get a small refund on my tax return. In my recent tax return I owed a large sum due to LTCG from equities I purchased in 2009. Since I now owed a large amount, Turbotax gave me the quarterl...
by Freefun
Fri May 03, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 18886

Re: What non fiction book will you be reading in 2019?

Why We Sleep: Unlocking the Power of Sleep and Dreams