Search found 408 matches

by Freefun
Mon Feb 11, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7123

Re: How do I keep from becoming irrelevant

Lots of good advice here (as is customary for this forum)

Kudos for being ambitious.

Consider a username like justthemostuniqueguy.
by Freefun
Wed Feb 06, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 3700

Re: What do you blame for unhappiness in retirement?

I’m the only one accountable for my happiness.
by Freefun
Wed Feb 06, 2019 6:38 am
Forum: Personal Investments
Topic: Moving assets from Betterment, need advice!
Replies: 7
Views: 492

Re: Moving assets from Betterment, need advice!

Can’t help much with wash sales but I can share my experience going from betterment to VG. - I did an in-kind transfer of all betterment $ to VG. - This “mostly” worked ok. VG made mistakes in the cost basis. I wanted all the cost basis transferred to VG which they had no problem with, but everythin...
by Freefun
Mon Jan 21, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Anyone have TCL Series 4 65” TV?
Replies: 21
Views: 1872

Re: Anyone have TCL Series 4 65” TV?

Have older TCLs. Nothing but good things to say about them. Cheap price and they just work.
by Freefun
Sun Jan 20, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 48
Views: 3733

Re: Where to buy CR2032 batteries?

Bought plenty on amazon and never had a problem.
by Freefun
Wed Jan 16, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7537

Re: When would you stop being a Boglehead?

I might follow the Buffet approach by putting 90% in 1-2 funds and the remaining in cash. On a large portolfio I would easily live on the cash.
by Freefun
Tue Jan 15, 2019 5:38 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31319

Re: Funniest movies of all time? Name five of your favorites...

Groundhog day
What about Bob
The man who knew too little ( my favorite Bill Murray comedy movie )
There’s something about Mary
Monty Python and the holy grail
by Freefun
Sun Jan 13, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1099

Re: Tips for online photography course?

Have you thought about a photo club or meetup? There’s usually many depending on the location and folks are typically eager to help.
by Freefun
Thu Jan 10, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Travel Companies Similar to "Road Scholar"?
Replies: 21
Views: 1544

Re: Travel Companies Similar to "Road Scholar"?

Another possibility is BackRoads.com. Their trips are focused on activities like hiking or biking but they rate them by level of activity, eg how many miles of walking per day. I took one of their US trips several years ago and liked that they handled all of the logistics. They were well organized ...
by Freefun
Sat Jan 05, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig lens rentals? [camera lens]
Replies: 10
Views: 1010

Re: Side gig lens rentals?

Seems that's what insurance and credit cards are for - insurance that the renter must have (or a credit card to pay for everything in case of theft or damage). I'm guessing some commercial insurance would be appropriate if you're thinking of starting a buiness but I'm not an insurance expert. I've r...
by Freefun
Sat Jan 05, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7903

Re: United, American, Delta--about the same?

You may get better responses by providing origin and destination cities. These matter as do the hubs and equipment used and are interrelated. Asking about airline advice without more specifics is akin to asking what investments to pursue without appropriate background - the most common answer being ...
by Freefun
Wed Jan 02, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2916

Re: Thoughts on the new Maxima?

I tried to by a new maxima about 5 years ago - I liked the design but they were asking 45k. I learned by accident I could get an Infiniti g35 for around 40k. Seemed silly since they were based on the same chassis and the g35 has better warranty and service. They are not based on the same chassis. T...
by Freefun
Tue Jan 01, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1154

Re: Canon 100-400 zoom lens

I have a 24-70 II and a 50mm and I have been itching to find an excuse to pick up the 100-400 zoom lens. I shoot as a hobby with a 5DIV and wanted to hear how nice the addition of a zoom lens of this caliber was as an addition to ones arsenal. As far as missing out on shots, I know I have missed ou...
by Freefun
Tue Jan 01, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1154

Re: Canon 100-400 zoom lens

Have several 70-200 lenses- the 2.8 and 4.0. For daytime travel I prefer the 4.0 since it’s much lighter. I don’t like the IQ of superzooms. If you’re on the fence the best option is usually to rent and try before you buy. Finally FWIW I use telephotos far more than wide angle for landscape work Th...
by Freefun
Tue Jan 01, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Canon 100-400 zoom lens
Replies: 29
Views: 1154

Re: Canon 100-400 zoom lens

Have several 70-200 lenses- the 2.8 and 4.0. For daytime travel I prefer the 4.0 since it’s much lighter.

I don’t like the IQ of superzooms.

If you’re on the fence the best option is usually to rent and try before you buy.

Finally FWIW I use telephotos far more than wide angle for landscape work
by Freefun
Tue Jan 01, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 2916

Re: Thoughts on the new Maxima?

I tried to by a new maxima about 5 years ago - I liked the design but they were asking 45k. I learned by accident I could get an Infiniti g35 for around 40k. Seemed silly since they were based on the same chassis and the g35 has better warranty and service.
by Freefun
Mon Dec 31, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: How Much Data Backup is Enough?
Replies: 5
Views: 354

Re: How Much Data Backup is Enough?

I back up my apple desktop and MacBook using rotating time machine backups (each device has 3 external drives which time machine rotates. Periodically I move an external drive offsite. My data is encrypted. My apple handheld devices are backed up onto iCloud and periodically to the desktop (since iC...
by Freefun
Mon Dec 31, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: iPad vs iPadPro
Replies: 20
Views: 1783

Re: iPad vs iPadPro

Upgraded from iPad Air to plain iPad - not pro.
Works great for my needs including Lightroom and Procreate. I’m sure the pro is faster but I don’t need to spend the extra money.
by Freefun
Fri Dec 14, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Buying a WSJ on Ebay
Replies: 24
Views: 2847

Re: Buying a WSJ on Ebay

I pay $89 on eBay for 2 years digital only. Works great.
by Freefun
Fri Dec 14, 2018 11:07 am
Forum: Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 69
Views: 4551

Re: Imminent retirees & sequence fear

In the same boat. I’m maintaining my AA and setting up a bond tent.

https://www.kitces.com/blog/managing-po ... -red-zone/
by Freefun
Thu Dec 13, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 71
Views: 8591

Re: Side Hustle? Passive Income?

I’ve found the podcasts at side hustle school quite interesting.

https://sidehustleschool.com/podcasts/
by Freefun
Wed Dec 12, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3271
Views: 629460

Re: What's Your Credit Card Rewards Strategy?

Would appreciate some advice: The 4 credit cards I have/use are: 1. Amex platinum 2. Amex gold 3. Amex blue cash preferred 4. Barclay mastercard (only use this when Amex is not accepted) As you can see, I am a heavy Amex user. I have about 580,000 amex points, which I am coming to realize might not...
by Freefun
Sun Dec 09, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7398

Re: "The 10 Worst Places To Get Investing Advice"

11. An insider at the company that you are planning to invest in. 12. The water cooler. 13. Your neighbors. 14. Anyone who tells you that you need to act right now. 15. The person who comes to your door out of the blue and introduces him/herself to you as a financial advisor who just opened an offi...
by Freefun
Thu Nov 29, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5032

Re: Robot Vacuum Cleaner?

I purchased this robot vacuum years ago and while it’s not great it works better than I thought it would. I’m happy with the purchase. I did pay a lot less. https://smile.amazon.com/ECOVACS-Cleaner-Navigation-Allergens-Hardwood/dp/B01HRL6UX0 Here is a different model that’s on sale https://smile.ama...
by Freefun
Wed Nov 28, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3535

Re: How do value the cost of commuting?

I think many folks would kill for more time with family / kiddos / wife / Doggo.
Many would kill for your job.

Sounds like your current situation is wonderful.
by Freefun
Fri Nov 09, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6325

Re: Point and shoot camera

Exactly! But then you are changing the parameters of the discussion by introducing used equipment in the picture. I am not sure why people are bringing mirror-less or APS-C cameras or bridge cameras in to this discussion. I don't think those are termed as P&S cameras by lay person. My definition (w...
by Freefun
Fri Nov 09, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6325

Re: Point and shoot camera

Canon powershot 180
https://smile.amazon.com/Canon-PowerSho ... B019UDHOMO

I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all.
by Freefun
Sun Nov 04, 2018 2:15 pm
Forum: Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 453

Re: NUA [Net Unrealized Appreciation]

NUA provides a tax planning opportunity. OP: NUA can be a nuanced, complicated topic where decisions are typically highly dependent on individual circumstances. Should you desire more specific advice here it's probably best to provide more specific info regarding your accounts e.g. how much money in...
by Freefun
Sun Nov 04, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 46
Views: 8100

Re: Vanguard Yubikey-only option?

I’m a bit lost on the comments suggesting security questions are weak. You can use a password generator for the answers and the result should be something no one can possibly guess.
by Freefun
Sun Nov 04, 2018 12:02 pm
Forum: Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 453

Re: NUA [Net Unrealized Appreciation]

A scenario for P&G is presented here http://www.krosnowskiandscott.com/pdfs/PROCTORGAMBLE.pdf That report is boilerplate with [name of company] inserted in the appropriate places. Otherwise I would think they would spell ProctEr & Gamble correctly. They have what appear to be identical reports on 2...
by Freefun
Sun Nov 04, 2018 8:09 am
Forum: Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 453

Re: NUA [Net Unrealized Appreciation]

Not sure how an after tax balance complicates things. It can potentially lower tax liability.

A scenario for P&G is presented here

http://www.krosnowskiandscott.com/pdfs/ ... GAMBLE.pdf
by Freefun
Sat Nov 03, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4151
Views: 1111177

Re: What Movie Have You Recently Watched?

Destination Wedding. I didn’t expect to like it but was pleasantly surprised!
by Freefun
Sat Nov 03, 2018 11:24 am
Forum: Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2699

Re: Get out of Morgan Stanley!

Not sure why you can’t do a transfer in kind with VG. They can initiate it so no need to deal with others.
by Freefun
Thu Nov 01, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3271
Views: 629460

Re: What's Your Credit Card Rewards Strategy?

agilesheltz wrote:
Thu Nov 01, 2018 4:47 pm
guitarguy wrote:
Thu Nov 01, 2018 4:22 pm
We still don't MS and only apply for a couple new cards each per year...but it still really is so easy...isn't it? 8-)
MS?
Manufactured Spend
by Freefun
Wed Oct 31, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2295

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

Nit picky detail : the life strategy and target date funds both include international bonds, making them 4 fund portfolios ! SO it is a bit apples to oranges. I agree with your comments that human error due to emotional decisions is your biggest risk to reducing your returns. The brainpower at Vang...
by Freefun
Sun Oct 28, 2018 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1521

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

Very happy Geico customer here. Had large claim and their handling was terrific.
by Freefun
Fri Oct 26, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3077

Re: Unplugging from Tech Tips

I hike and walk. Outdoors is preetier than a screen and a more emotionally compelling experience.
by Freefun
Thu Oct 25, 2018 6:59 am
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9573

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

When an asset class goes down you usually buy more with timing defined by your rebalance strategy. That's more applicable to working people. Retired people tend to be going in the decumulative direction... Great point. Thank you. I was leveraging what I learned from Kitces: https://www.kitces.com/b...
by Freefun
Thu Oct 25, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9573

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

When an asset class goes down you usually buy more with timing defined by your rebalance strategy.
by Freefun
Sun Oct 21, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1373

Re: Stealing ID using only name and SSN

Carno wrote:
Sun Oct 21, 2018 1:17 pm
Freefun wrote:
Sun Oct 21, 2018 12:32 pm
My info was used to file claims for unemployment insurance.
Was your info your name and SSN only?
I believe so.