Search found 378 matches

by Freefun
Fri Nov 09, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 102
Views: 3723

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: 102
Views: 3723

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: Investing - Help with Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 405

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: 7583

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: Investing - Help with Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 405

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: Investing - Help with Personal Investments
Topic: NUA [Net Unrealized Appreciation]
Replies: 8
Views: 405

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: 3812
Views: 1077577

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: Investing - Help with Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2590

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: 2995
Views: 587538

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: 2237

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: 1462

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: 2819

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: 9292

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: 9292

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: 1348

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.
by Freefun
Sun Oct 21, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1348

Re: Stealing ID using only name and SSN

My info was used to file claims for unemployment insurance.
by Freefun
Sun Oct 21, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 30
Views: 2098

Re: Headlamp for dog walking

Don’t know the models you’re looking at but I use black diamond headlamps for hiking and they’re great. I have spot and sport models. The cheap headlamps work ok but aren’t nearly as bright or reliable.
by Freefun
Sat Oct 13, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

In the Combo Amex Gold/Schwab Platinum, the Net Annual Fee is: $130 (Schwab credits $100 a yr if assets over $250k, $200 a year if assets over $1m). Basically, for me the Gold card is $30 a year, the Platinum is $100. (and that INCLUDES a $175 fee for the additional card members). I'm not following...
by Freefun
Fri Oct 12, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14517

Re: Tips for staying active / injury-free into older age

Weekly routine
Hot yoga 4x week
Strength 3x
Mobility gymnastics 5x
HIIT e.g. stairmaster or other 20min 5x HR 150+
Walking 10k steps day

Ad hoc when travelling
Mountain climbing (non technical) 10-15 miles/day
by Freefun
Fri Oct 12, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2798

Re: TV recommendation for my father

I have TCL (not this model) they're cheap and they work.

https://smile.amazon.com/TCL-55S405-55- ... B01MTGM5I9
by Freefun
Fri Oct 12, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1402

Re: your favorite ereader?

Iorek wrote:
Fri Oct 12, 2018 6:26 am
Kindle paperwhite. One with ads is fine.
+1
by Freefun
Thu Oct 11, 2018 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Which market should I go for, to profit most from the correction?
Replies: 35
Views: 3117

Re: Which market should I go for, to profit most from the correction?

...I am pacing up and down my living room waiting for the LSE to open, so that I can buy some stocks on sale... I hate the "stocks on sale" meme. Even the slightest thought will make you realize it is distorted marketing talk. In a supermarket, usually we know that an item on sale really is exactly...
by Freefun
Thu Oct 11, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5900

Re: Anyone done a Hair Transplant?

Hello there, I was wondering if anyone on this forum has done a hair transplant or knew someone who did and the experience/results that were observed. I am 33 and severely balding, been considering a transplant for a while. I am always thankful for my health and family, and I realize there are more...
by Freefun
Wed Oct 10, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5936

Re: What the heck is growing in my yard?

It's a departing gift from the "it was nice to have known ya" bull market.
by Freefun
Wed Oct 10, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14756

Re: Sears, a 125 year old company is now a penny stock.

Looking forward to seeing the same thing happen to Amazon, and hopefully in less than 125 years. Without any sort of death wish for Amazon, I have found myself buying much less from them compared to two years ago. A lot of other online retailers have upped their game, so I can usually find a better...
by Freefun
Fri Oct 05, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 9120

Re: 20 countries where 200K in retirement savings will last you decades

I'd consider Portugal. I lived in Belgium for years and living in Europe is a blast. You can fly anywhere in EU in under 2 hours.

Some countries are better than others if youre not going to learn other languages. Living in Malaysia (KL, Penang) is easy as English is widely spoken.
by Freefun
Fri Oct 05, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 9120

Re: 20 countries where 200K in retirement savings will last you decades

Some viable options in that slide deck. I’m not a big fan of slide articles so I only went to number 6, but the only location in 1-6 I haven’t been is Nicaragua. If push came to shove I could see pulling off something like this. Food for thought - I don’t think the majority of US citizens aged 60 o...
by Freefun
Fri Oct 05, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14517

Re: Tips for staying active / injury-free into older age

Increase mobility. I decided to pursue gymnastics. Not easy for an old dude but it’s doing wonders for my mobility.
by Freefun
Fri Oct 05, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12899

Re: What purchase saved you the most money?

I can’t think of anything. Wow is this depressing.
by Freefun
Fri Oct 05, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.
Replies: 12
Views: 1830

WSJ: Jack Bogle’s Bogleheads Keep Investing Simple. You Should Too.

Article on today's WSJ (may be posted here already lol) https://www.wsj.com/articles/jack-bogles-bogleheads-keep-investing-simple-you-should-too-1538754027 (Jack Bogle) reiterates his gospel: Investors should control what they can—fees and taxes, for instance—and let go of what they can’t. Mr. Bogle...
by Freefun
Fri Oct 05, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

Need help from the Chase UR experts. Currently have about 200k UR points. My Sapphire Preferred Card $95 annual fee is due in January. Not eligible for new UR bonus because I downgraded from Sapphire Reserve which I received 100k when it first released in Fall of 2016. Not interested in any of the ...
by Freefun
Thu Oct 04, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 1030

Re: Simple, free way to send photos to people?

Lots of options , some popular ones:

Google photos
Flickr
Amazon photos
Photobucket
Smugmug
Shutterfly
Dropbox
by Freefun
Thu Oct 04, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 2963

Re: Apple - macOS Mojave

I love it. Great features for me- stacks, continuity camera (cool), asking Siri for passwords, better screenshot functionality, trimming videos in finder and quick actions. Awesome upgrade.
by Freefun
Wed Oct 03, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: credit card apps (real time notification)
Replies: 9
Views: 626

Re: credit card apps (real time notification)

Not sure I have a card that doesn’t provide alerts. Chase and Amex all have alert features with various options. No apps needed if you want to use their web site but their apps can do alerts as well. Alerts can be created based on various criteria and can be delivered various ways e.g. SMS, email et...
by Freefun
Mon Oct 01, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 314
Views: 34211

Re: Concierge medicine Worth It????

My last doctor went with MDVIP and I tried it. Stuck it out for about 1 year. I found it wasn't worth the cost. On my own and before the MDVIP change, I made huge lifestyle changes. I had a number of health issues and resolved them all - took a few years but did it. The doctor was a bit in disbelief...
by Freefun
Mon Oct 01, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9518

Re: Suze Orman - "I hate the FIRE movement."

I don’t have any opinion of Ms Orman.

I want to find a balance between having enough money and being in good health to do things.
by Freefun
Sat Sep 29, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3406
Views: 1014229

Re: What Book Are You Currently Reading? Part VI

40 tales from the afterlife
by Freefun
Thu Sep 27, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4402

Re: Anyone ever tired of managing hair and consider shaving to go bald

surveyor wrote:
Thu Sep 27, 2018 6:44 am
Been doing the clipper with no guard cut for years. Last year I bought a set of clippers that had a built in vacuum (no Flowbee) and it made clean up pretty minimal.
Can you please provide make/model ?
Thanks.
by Freefun
Thu Sep 27, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

2. Pay a service $50-$200 to find and book award flights for you. You can of course do this yourself but this can be the time consuming part. Also it takes knowledge of all airlines programs to get the best use of your points / miles. Can you please recommend a business who does that? I never heard...
by Freefun
Thu Sep 27, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

2. Pay a service $50-$200 to find and book award flights for you. You can of course do this yourself but this can be the time consuming part. Also it takes knowledge of all airlines programs to get the best use of your points / miles. Can you please recommend a business who does that? I never heard...
by Freefun
Wed Sep 26, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

While I understand the principle of redeeming on partner airlines, practically speaking it's a bit of hassle that I'm not sure is worthwhile for me. What you are touching on here is that the award travel game can be time consuming, which is why I am often saying that for many people a straight 2% c...
by Freefun
Wed Sep 26, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4402

Re: Anyone ever tired of managing hair and consider shaving to go bald

Once in a while I’ll shave it. When I retire (soon) I may stay that way - it’s easier for me and when I try to get haircuts in other counties the results are, well, not what I asked for.
by Freefun
Wed Sep 26, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2995
Views: 587538

Re: What's Your Credit Card Rewards Strategy?

Recently I added my daughter as authorized user for Chase Sapphire ($75 annual fee, but she gets the Priority Pass lounge access included). She just turned 23, and is in grad school and traveling to conferences (and sometimes to home). Apparently she thinks having lounge access and getting a free m...