Search found 458 matches

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: 295

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: 935

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: 4517
Views: 1164183

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: 39
Views: 3063

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: 1720

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: 1359

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: 2024
Views: 149244

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: 2024
Views: 149244

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: 2968

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: 2024
Views: 149244

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: 7217

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: 3652

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: 12344

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: 5643

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: 3931

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: 2075

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: 589

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: 2075

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: 236

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: 183
Views: 16395

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

Why We Sleep: Unlocking the Power of Sleep and Dreams
by Freefun
Sun Apr 28, 2019 9:14 am
Forum: Personal Investments
Topic: Gambling with "fun money" (Penny stocks, other ideas?)
Replies: 43
Views: 3327

Re: Gambling with "fun money" (Penny stocks, other ideas?)

Have you read "Hedgiefunds" epic thread? That is what I am doing with a small 2-3% of my portfolio. It is a "bet" but uses the same concepts of passive investing (no market timing/ security selection) that is consistent with passive investing. To be honest, I've been doing it 1-2 months and am surp...
by Freefun
Sat Apr 27, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Sinemia shuts down US operations
Replies: 7
Views: 1585

Re: Sinemia shuts down US operations

I couldn’t subscribe to something that sounds like a disease.
by Freefun
Sat Apr 27, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Uber IPO
Replies: 28
Views: 1658

Re: Uber IPO

Not a chance for many reasons including those already mentioned. Besides, my play money is tied up between VGT and hedgefundie’s excellent Adventure. That’s about the total money I’m willing to lose.
by Freefun
Sat Apr 27, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5210

Re: Texas property tax protest

Don’t know where you are but I protested via isettle for several years. Little effort and was successful.

http://hcad.org/hcad-help/protests-and- ... d-isettle/
by Freefun
Fri Apr 26, 2019 5:53 am
Forum: Personal Consumer Issues
Topic: Living Overseas for 4 Months/Year for Regional Travel (Retirement)
Replies: 75
Views: 5202

Re: Living Overseas for 4 Months/Year for Regional Travel (Retirement)

I’d strongly recommend it. Having spent a good deal of time on 4 continents it is easier than many people think. This type of travel will of course require some flexibility. There’s many locales where there’s enough housing to be able to negotiate not only rates but commitments etc. However you may ...
by Freefun
Thu Apr 25, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 1790

Re: Any affordable place for Dental Implants in the Northwest USA ?

I’m not in the area but mine averaged 6k cost in LCOL area. Some threads provide other cost comparisons.

https://www.google.com/search?sitesearc ... l+implants
by Freefun
Sun Apr 21, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 42
Views: 3792

Re: M1 Finance

I think it's ridiculous that a brokerage and tech company like M1 couldn't get this right without lots of hassle. This should be their bread and butter. Just numbers and dates in computers. One would probably have no troubles starting from scratch with them. But given my experience I would never ge...
by Freefun
Sun Apr 21, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Credit and Debit card safety
Replies: 26
Views: 1385

Re: Credit and Debit card safety

I rarely use cash or debit cards. Also many chase banks ATMs no longer require the physical card as they can use the card in digital wallet e.g. Apple wallet.
I also find Apple Pay useful.

If I need to rely on debit cards such as international trips I set appropriate limits on my cards.
by Freefun
Sat Apr 20, 2019 8:33 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8588

Re: This could be the biggest risk that retirees face?

...This is diametrically opposed to the behavior of long term financial markets which, while allowing for bear markets, go up over time... Except when they go to zero, because once they've fallen to zero, they've fallen and they can't get up. Since 1900, this has happened in 2 out of 23 national st...
by Freefun
Sat Apr 20, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9646

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I am at Narita airport heading back to the states after ten weeks busing from Mumbai to Chennai, Hong Kong via Shenzhen, Beijing, Shanghai, and a few smaller cities, took ferry to Osaka and then Kyoto, Nara, and Tokyo. Travel solo, with an Osprey 4400 pack, travel inexpensively, and don't schedule ...
by Freefun
Sat Apr 20, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2778

Re: Apple MacBook Air - what to do next.

LuigiLikesPizza wrote:
Sat Apr 20, 2019 8:03 am
Any idea as to the ease of opening this up and putting a new one in? I really am clueless, don't even own any tools.

But thanks
YouTube is your friend.

Average cost for apple to replace battery is $120. Third parties much less. Many cities have stores that do it quickly and cheaply.
by Freefun
Sat Apr 20, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8588

Re: This could be the biggest risk that retirees face?

I would personally be scared to death at seeing a declining balance even if I were past my accumulation years. I'm curious how you are going to avoid ever having a declining balance during decumulation. You can't hold any stocks, because they are guaranteed to decline and that would (apparently) ki...
by Freefun
Fri Apr 19, 2019 6:02 pm
Forum: Personal Investments
Topic: Can we retire yet? And other related questions...
Replies: 29
Views: 3530

Re: Can we retire yet? And other related questions...

You will get great feedback from the good folks on this forum far wiser than me. My initial question is why you have an AA of 100% stocks when you are considering retirement. Are you willing to lose half your $ (or more) in a down market?
by Freefun
Fri Apr 19, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 4873

Re: How far would you commute?

For me it's about time. In "Blue Zone" cities described by Dan Buettner, short commutes are direct contributors to happiness (I think the cutoff is 20 minutes). A quick blurb on commute time and other "happiness contributors" : https://www.npr.org/2011/10/19/141514467/small-changes-can-help-you-thri...
by Freefun
Fri Apr 19, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3691

Re: Optimizing credit card airline points

Here’s some reviews of award booking services. https://www.flyertalk.com/forum/travel-tools/1296363-award-booking-services-list-some-reviews-30.html I used pointspros long ago - good service. I’ve used a few others - primarily complex routing in J/F. You can do it yourself with the same tools the s...
by Freefun
Fri Apr 19, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing credit card airline points
Replies: 79
Views: 3691

Re: Optimizing credit card airline points

Here’s some reviews of award booking services. https://www.flyertalk.com/forum/travel-tools/1296363-award-booking-services-list-some-reviews-30.html I used pointspros long ago - good service. I’ve used a few others - primarily complex routing in J/F. You can do it yourself with the same tools the se...
by Freefun
Fri Apr 19, 2019 1:43 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 877

Re: Investing in someones YouTube channel?

Lots of YouTubers go to Patreon for funding their channel.
by Freefun
Wed Apr 17, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 8004

Re: I’m a Loser Stuck in a Dead End Job

You're never a loser until you quit trying (Mike Ditka)
by Freefun
Sun Apr 14, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 935
Views: 93161

Re: U.S. stocks continue to soar!

J G Bankerton wrote:
Sun Apr 14, 2019 2:30 pm
mary1969 wrote:
Sun Apr 14, 2019 1:04 pm
... Rick Santelli ...
I hit the mute button when he comes on; I can't stand his ranting, it gets on my nerves.
I feel the same way. Also about Cramer. I think we should send both to any peace process negotiation. All sides will agree to anything.
by Freefun
Sat Apr 13, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4226

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

Recently bought a new car and just wrote them a check in full. Regular checking account. They took it and said nothing.
by Freefun
Wed Apr 10, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6505

Re: How Much Do You Pay For Haircut?

$14 + $3. My looks won’t improve no matter how much I pay.
by Freefun
Sat Apr 06, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Paying taxes owed via Turbotax or irs.gov?
Replies: 9
Views: 651

Re: Paying taxes owed via Turbotax or irs.gov?

I just did it both ways - TT for my current tax bill and IRS Acct for estimated taxes. Both worked fine.
by Freefun
Thu Apr 04, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2126

Re: French movies on Netflix

livesoft wrote:
Thu Apr 04, 2019 5:35 pm
I just watched Amélie. Sorry not PG-13 rated, but not terribly R either. Got it from the local library on DVD.
+1 for Amelie.. one of my fav foreign movies. My all time fav is Gloomy Sunday but you’re not looking to learn German 8-)
by Freefun
Fri Mar 29, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS payment site question!
Replies: 5
Views: 555

Re: IRS payment site question!

Direct pay works up to $10 million (per payment).
by Freefun
Thu Mar 28, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 10.5"
Replies: 16
Views: 1116

Re: iPad Pro 10.5"

Just wondering if anyone out there in BH-land has the Apple iPad Pro 10.5" model. Amazon is offering the 512GB (wifi-only) version for $650. (List price = $1000). It gets glowing reviews on Amazon but I'd like to hear from y'all on this. I'd mainly be using it to stream YouTubeTV, catch up on the n...
by Freefun
Sun Feb 24, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Best websites / apps to store photos
Replies: 5
Views: 505

Re: Best websites / apps to store photos

Google photos
by Freefun
Thu Feb 21, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7451

Re: Favorite youtube channels?

Mark rober - Science and engineering https://youtu.be/6qZWMNW7GmE Thomas heaton - Landscape photography https://youtu.be/eX0CEZ7JSz0 Sean tucker - photography https://youtu.be/KZgqnw_aWrw Matt guthmiller - private pilot Flying around the world https://youtu.be/b2SHrVTOf-I Bad lip reading - pure nons...