Search found 879 matches

by GrowthSeeker
Tue Sep 29, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1041

Re: Will a smart phone bought in Europe work in US?

The GSM band differences is virtually a non-issue now. Since a long time ago, there has been more and more overlap between the bands used in the 2 region, and the phones produced for the 2 region. I've been using US-market phones all across Europe, and EU-market phones all across the US, with high ...
by GrowthSeeker
Tue Sep 29, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1041

Re: Will a smart phone bought in Europe work in US?

They should be pretty familiar with this since people that live there would be asking the same question if they were taking a trip to the US. That's what I was thinking. She may want to take her passport with her when she goes to the store to buy it. In some countries they require ID to register a ...
by GrowthSeeker
Tue Sep 29, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1041

Re: Will a smart phone bought in Europe work in US?

in 2020, for at&t (sim-based GSM), yes. unquestionably. Not necessarily. It does not matter that her US provider is AT&T. What matters is the specification of the phone. The GSM bands in Europe are not the same as the US and not all phones work with all the bands. Even more important are which LTE ...
by GrowthSeeker
Tue Sep 29, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1041

Re: Will a smart phone bought in Europe work in US?

Thanks for that. I found what I hope is an accurate website: https://www.frequencycheck.com/country-compatibility/vEzwy/united-states/devices There are different pages for different countries. They indicate what bandwidths are used by each phone and by each network, so it's possible to check compati...
by GrowthSeeker
Tue Sep 29, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Will a smart phone bought in Europe work in US?
Replies: 24
Views: 1041

Will a smart phone bought in Europe work in US?

My better half has never upgraded from a "dumb phone" to a smart phone. She is currently traveling in Europe (specifically Serbia) and is thinking about buying a smart phone in Serbia to use there temporarily and then bring it back to be used in the USA. I have been tasked to find out if this is pos...
by GrowthSeeker
Fri Sep 18, 2020 4:13 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 13750

Re: Is this guy trying to scam me on a car I'm selling?

Just out of curiosity, what price would you get if you just went to your local car dealer and sold it to the dealer?
All this time, risk, aggravation is gaining you how much over the zero risk amount?
by GrowthSeeker
Fri Sep 18, 2020 3:29 am
Forum: Personal Investments
Topic: Unwinding professional investment management
Replies: 9
Views: 925

Re: Unwinding professional investment management

Welcome to the forum. Agree with initiating the transfer at the new brokerage that you're moving to . If you get them a list of all the funds then they can be sure all of them will transfer "in kind". Vanguard has a team that does nothing but help people transfer accounts to Vanguard. You can initia...
by GrowthSeeker
Sun Sep 13, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1824

Re: What Method of paying cash for car: EFT vs check?

Well, it turned out to be a small cash deposit and then a personal check.
This dealer only accepted these forms; they did not accept credit cards, cashiers' checks or ACH/EFT transfers. I didn't ask about bitcoin or suitcases full of cash.

I guess it varies a lot by car dealer.
by GrowthSeeker
Sun Sep 06, 2020 12:45 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8943

Re: Wife is "forcing" me to buy stock(s)

Let your wife "learn" how to invest/buy stocks. Dave +1 Here's a thought: have her open an account where it is possible to have a fake "paper account" with a lot of pretend money in it so you can practice making trades and see the results based on real live data. I used to have a TDAmeritrade accou...
by GrowthSeeker
Sun Sep 06, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1824

Re: What Method of paying cash for car: EFT vs check?

I just paid my CC balance online, so I'll have the full credit limit as an option; I'll double check what the reward % is for each of my credit cards. You may have a high limit on a card, but how much can be charged to it is defined by the dealer, not you. The last car I purchased (2015), the deale...
by GrowthSeeker
Sun Sep 06, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1824

Re: What Method of paying cash for car: EFT vs check?

Thanks for all the quick replies. Yes, I knew that asking the car dealer which way(s) they would accept is in some ways the best answer, but it could be one of several dealers, and I'd prefer, for bargaining purposes, to not let them know I'm planning a cash purchase until the price is settled. I've...
by GrowthSeeker
Sun Sep 06, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1824

What Method of paying cash for car: EFT vs check?

Hi Bogleheads. I'm planning to buy a car, $40k to $50k range, for cash in the near future. What is the best method for doing so from your experience?: 1. write a personal check (Chase bank) 2. direct electronic transfer from my account (Chase, Ally, or Vanguard) to dealership's account. 3. Cashier's...
by GrowthSeeker
Sat Aug 29, 2020 8:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard to End Presence in Hong Kong, Japan With Job Cuts
Replies: 3
Views: 805

Re: Vanguard to End Presence in Hong Kong, Japan With Job Cuts

Devil's advocate position:
Doesn't every major investment platform have a presence in China? How is this different?
by GrowthSeeker
Tue Aug 25, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 54
Views: 4117

Re: Anyone study math, physics or science for fun?

A huge amount of online learning is available as a MOOC , Massive Open Online Course. Typically a lot is available for free, and for college credit and/or extra bells and whistles you can optionally pay a small fee, typically $50 to $200 for the equivalent of a semester course. One such, that I have...
by GrowthSeeker
Sat Aug 08, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 126
Views: 22035

Re: Google sheets not pulling stock prices

Just replace your =googlefinance(...) call with this: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",A43,"&insttype=Fund"), "table"),3,1)),7)) Where A43 is the ticker. Solved. Been using this for a while but it broke for me tonight. I ...
by GrowthSeeker
Thu Aug 06, 2020 9:58 am
Forum: Personal Investments
Topic: FAANG Stocks
Replies: 27
Views: 2569

Re: FAANG Stocks

Still very far from retirement. There are various ways of looking at it, obviously. Although the snap shot in time of what your portfolio looks like right now is important, also consider what it will look like in 1, 2, 5, 10 years if you keep the FAANGs as is; and go forward putting all your new co...
by GrowthSeeker
Wed Aug 05, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 26
Views: 2466

Re: Another Toilet Question

From your description, the wax ring would be my bet too, but ... it could be a leak higher up that runs down and the spot you see is the low spot. I also had a toilet where one of the bolts holding the toilet to the floor had rusted out. But ... I've been fooled many times by the location of the wat...
by GrowthSeeker
Sat Aug 01, 2020 10:11 am
Forum: Non-US Investing
Topic: Ex-US fellows I think I've found a gem and I need your help !!
Replies: 57
Views: 4855

Re: Ex-US fellows I think I've found a gem and I need your help !!

For two purposes: 1. Devil's advocate, and 2. Maybe the only way to accomplish your goal. What is the deal with this "KID" thing you are talking about. I searched and found "Key information documents" as a possible meaning for KID. What is that? Is it like a test to become a stockbroker or something...
by GrowthSeeker
Tue Jul 28, 2020 8:37 am
Forum: Investing - Theory, News & General
Topic: Value-Growth Switching Strategy
Replies: 17
Views: 1269

Re: Value-Growth Switching Strategy

I used to think that if I could figure out a good enough plan, then I could time the market. In my early 60s I changed my mind. Here's the main problem I see with the concept. Either your plan will work ... until it doesn't; or your plan will not work ... until it does. If it's the former, you'll be...
by GrowthSeeker
Sun Jul 26, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Please check my Refinance Math. Is this a no Brainer?
Replies: 13
Views: 1270

Re: Please check my Refinance Math. Is this a no Brainer?

Rule of thumb answer: it's usually not worth it to refinance for a mere 0.35% improvement in mortgage rate. In my spreadsheet I used goal seek to find your original balance as $124,281, a 10 year mortgage @ 3.19% with payment $1,211 (principal plus interest). If your payment includes taxes and insur...
by GrowthSeeker
Sun Jul 19, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15211

Re: Retirees, share your epiphanies..

When I was in my mid forties, let's say I was 43, I realized that every dollar I earned that year, after taxes had to cover not only my expenses that year, but then also for one year of my retirement, say age 73. No, not strictly accurate, but you work 30 or 40 years and then you're retired 30 or 40...
by GrowthSeeker
Fri Jul 17, 2020 8:32 am
Forum: Investing - Theory, News & General
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 200
Views: 17352

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

For whatever reason, instead of owning VTI I own a similar weighting of VOO and VXF (and their fund equivalents).
So I assume when TSLA joins the S&P 500, VOO will buy it and VXF will sell it.
So, "I'm not too worried about it."
by GrowthSeeker
Thu Jul 02, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1479

Re: iPhone 7 battery not staying charged full day....

+1 for searching web for tips on changing various settings. And for a power boost. Turn off wifi and bluetooth. Turning off wifi and Bluetooth makes virtually no difference. Turning off wifi can actually result in worse battery life, as apps that use background data have to get it through the cellu...
by GrowthSeeker
Thu Jul 02, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1479

Re: iPhone 7 battery not staying charged full day....

+1 for searching web for tips on changing various settings.
And for a power boost.
Turn off wifi and bluetooth.
by GrowthSeeker
Thu Jun 25, 2020 7:32 am
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 11589

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

Does the thread title translate to Do you want to own the whole metaphor when someone can make up a contradictory metaphor? Sometimes I use a metaphor to help convey a concept, but I keep my personal investing reasoning off the metaphorical plane. PJW Good point. Analogies sometimes help for gainin...
by GrowthSeeker
Wed Jun 24, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: Taleb: The coronavirus is not a black swan.
Replies: 81
Views: 7970

Re: Taleb: The coronavirus is not a black swan.

I wonder what the actual severity of Covid-19 is vs the perceived severity. Thus, the economic impact is/was more intense and prolonged because of the latter. Taleb has spoken of the “narrative fallacy” which might be part of the dominance of Covid-19 in the daily news cycle and Group and individua...
by GrowthSeeker
Wed Jun 24, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: Taleb: The coronavirus is not a black swan.
Replies: 81
Views: 7970

Re: Taleb: The coronavirus is not a black swan.

I wonder what the actual severity of Covid-19 is vs the perceived severity. Thus, the economic impact is/was more intense and prolonged because of the latter. Taleb has spoken of the “narrative fallacy” which might be part of the dominance of Covid-19 in the daily news cycle and Group and individua...
by GrowthSeeker
Wed Jun 24, 2020 7:57 am
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3240

Re: Study claims active management better than benchmarks

I love it when a lay-person article written about a scientific paper turns it into a click-bait headline and includes little to no data. Here is the entire scientific paper in pdf form. My take on the paper's conclusions were that large purchases by active fund managers just prior to earnings announ...
by GrowthSeeker
Wed Jun 24, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: Filling cement cracks
Replies: 13
Views: 1746

Re: Filling cement cracks

I had good success with a grey polyurethane caulk (plus backer rod for the wider, deeper cracks) for outside sidewalk cracks. What I used about 5 years ago was called, I think, Sonolastic, but the name has changed maybe more than once since then. Now is MasterSeal NP-1. Here is an example link . I t...
by GrowthSeeker
Fri Jun 19, 2020 4:34 pm
Forum: Personal Investments
Topic: Suggestions and AA for 72yr old retirees
Replies: 21
Views: 1699

Re: Suggestions and AA for 72yr old retirees

I would echo the last post. If you have an hour or two to kill, you could go over to portfolio visualizer, go to Backtest Portfolio, input all the tickers and percentages as "portfolio 1" and then have a 50:50 mix of VTSAX and VBTLX or (whatever mix) as portfolio 2. It will only go back as far as th...
by GrowthSeeker
Fri Jun 19, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1773

Re: Refrigerator Input...

tl;dr maybe leak, but maybe condensation . I have a fridge with a water/ice dispenser in the door. Slow leak was driving me crazy. At one point, I had to be away for a few months, so I emptied the ice container and turned the ice maker off. Still leaking!!. This leads to a drip every so often down t...
by GrowthSeeker
Tue Jun 16, 2020 10:38 am
Forum: Personal Investments
Topic: What to invest in to make 3 or 4 percent?
Replies: 23
Views: 2601

Re: What to invest in to make 3 or 4 percent?

I don't know much about it, so I'm not advising it at all, but there is the Vanguard Managed Allocation Fund (VPGDX), an actively managed, Expense Ratio 0.30 fund currently paying out 2.42% Here is a Portfolio Visualizer with: Managed Allocation Fund in Blue TSM/TBM at 45/55 in Red The 2 middle Life...
by GrowthSeeker
Tue Jun 16, 2020 10:19 am
Forum: Personal Investments
Topic: Opinion of HNW Portfolio [High Net Worth]
Replies: 33
Views: 4465

Re: Opinion of HNW Portfolio [High Net Worth]

Regarding your portfolio mix, if you took 2/3 of your short term Treasury and put it into Total Bond Market, and switched to a different state for muni's, it would be almost exactly my portfolio (for whatever that's worth). Regarding what percent to be in stock, I think a lot of the rules of thumb b...
by GrowthSeeker
Tue Jun 16, 2020 8:36 am
Forum: Personal Investments
Topic: What to invest in to make 3 or 4 percent?
Replies: 23
Views: 2601

Re: What to invest in to make 3 or 4 percent?

Normally, high yield bonds are not thought of very well in the Boglehead universe.
But does the fact that the Fed is starting to buy corporate bonds change this?
by GrowthSeeker
Tue Jun 09, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21340

Re: Markets back near all time highs - how are you feeling and path forward ?

If I had to guess, I would guess that the market will linger between -5% and -15% down from the latest market all time high, and stay in that range for several months. And 6 months from now, it will resume what it was doing before. Until the next legitimate correction. Lots of small businesses will ...
by GrowthSeeker
Tue Jun 09, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Can I salvage this suitcase?
Replies: 38
Views: 2477

Re: Can I salvage this suitcase?

Of course we don't know. But a lot of newer "stuff" that we buy, like appliances and suitcases, is kind of junk compared to the things we could buy 15+ years ago. So if it has some good features, it might be worth a try. Depending on the material and hardware details, it might tolerate several soap ...
by GrowthSeeker
Tue Jun 09, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 13014

Re: You have a second chance to reduce your stock holdIng

A few years ago, while retired and in my early to mid 60s, I was at 40/45/15 the 15 being mostly money market and some CDs and cash. I have 2 individual stocks (AMZN, GOOG) and the rest is a 2-Fund Pf. But I had previously decided to slowly increase stock holdings towards 50/50 someday (or 50/40/10)...
by GrowthSeeker
Tue Jun 02, 2020 11:53 am
Forum: Personal Investments
Topic: Transferring Roth IRA from Edward Jones to Fidelity
Replies: 14
Views: 976

Re: Transferring Roth IRA from Edward Jones to Fidelity

It's usually much better to ask Fidelity to pull the assets from EJ. The vast majority of funds can be transferred in kind. It's possible that EJ is playing shenanigans so that the funds "can't" be transferred so they can charge you another few months of fees, and plenty of transaction fees. A thoug...
by GrowthSeeker
Tue Jun 02, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1816

Re: How to keep chiipmunks from going into gutter/underground drain connection?

I have similar issue with a 3x4" rectangular downspout that empties into a 6 inch round pipe. I haven't done anything about it yet, but these are the ideas I've had: 1. Aluminum foil crumpled up; 2. heavy gauge wire mesh cut and bent to fit; 3. Duct Seal which is kind of like clay, but it's rubber a...
by GrowthSeeker
Mon Jun 01, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 126
Views: 22035

Re: Google sheets not pulling stock prices

My primary method for pulling prices is just: =GOOGLEFINANCE(A3,"price") where A3 is the ticker symbol. I have a ticker list in one column of a google sheet with price in the next column. But I use LibreOffice Calc to contain all my personal data, so I just copy the column of prices from the google ...
by GrowthSeeker
Thu Mar 26, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: So, Where Are You *Back* To in Time? (And Were You Happy Then?)
Replies: 63
Views: 3963

Re: So, Where Are You *Back* To in Time? (And Were You Happy Then?)

I was back to about October, 2018 but with latest market uptick: December, 2018.

It's not a market crash.
It's like a "time machine".
by GrowthSeeker
Sun Mar 22, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57599

Re: How to get Toilet Paper ? seriously.

If you can't get TP, and if you can get a replacement shower head which includes a hand held attachment with a long enough hose, then you can wash and rinse the nether region as much as needed (and rinse down the shower floor if needed). For example, this type , though there are many brands and styl...
by GrowthSeeker
Sun Mar 22, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: 100-Year Crisis Every Decade?
Replies: 22
Views: 1721

Re: 100-Year Crisis Every Decade?

A 100 year flood is defined something like: every year, there is statistically a 1% chance of a flood "this bad". It doesn't mean the worst flood in a century. And the "100 year floodplain" is defined on a map with lines near rivers and oceans to which every year there is a 1% chance that a flood wi...
by GrowthSeeker
Sat Mar 14, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: AMT, State Tax Refunds, and TurboTax
Replies: 0
Views: 115

AMT, State Tax Refunds, and TurboTax

Bogleheads, tl;dr which tax software to use to recalculate prior (AMT) tax year; refiling questions; methodology to determine percent of refund which is taxable. Tax preparation history: 2017: CPA, filed Schedule A, AMT was necessary, overpaid state taxes to 2 states. 2018: TurboTax Premier, State 1...
by GrowthSeeker
Tue Mar 10, 2020 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Colleague is Day Trading
Replies: 43
Views: 4266

Re: Colleague is Day Trading

No good deed goes unpunished.
by GrowthSeeker
Sat Feb 29, 2020 4:42 pm
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6414

Re: Sell now and start buying back in 3 months

I have my own guesses as to how this will play out - but that is irrelevant. "It's tough to make predictions, especially about the future" The one thing I know for certain is that the media has been and will be spinning everything related to this virus and its effect on the stock market and economy ...
by GrowthSeeker
Thu Feb 27, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Bradford White water heaters — good?
Replies: 22
Views: 1818

Re: Bradford White water heaters — good?

Why get an energy audit? I didn't even know that was a "thing". Sounds to me like somebody's selling something. My default feeling about throwing away a perfectly good appliance to get a new appliance solely because it's a little bit more energy efficient is rarely a good plan. Generally there will ...
by GrowthSeeker
Wed Feb 26, 2020 8:03 pm
Forum: Personal Investments
Topic: Should we use the coronavirus drop to do Roth conversion?
Replies: 39
Views: 3275

Re: Should we use the coronavirus drop to do Roth conversion?

Assume one has decided to do a Roth conversion of a certain number of dollars but then the market makes a large move up or down.

Sure, the dollar amount of the Roth Conversion is the same.
But the percentage of the IRA which got converted to Roth varies with how the market moved.
by GrowthSeeker
Wed Feb 26, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Tool to remove encrusted soil from bronze
Replies: 14
Views: 904

Re: Tool to remove encrusted soil from bronze

Do you want to preserve the green color? Or do you want it to look polished like new? I had a house with copper gutters, they were quite old, green from interaction with oxygen and/or CO2 over decades, and this added to the charm of the house. I'm not a sculpture expert, but does the green discolora...
by GrowthSeeker
Sun Feb 23, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Received New Credit Card at My Address for Someone With My Last Name
Replies: 27
Views: 1712

Re: Received New Credit Card at My Address for Someone With My Last Name

Would a criminal, intent on getting a credit card in someone else's name, possibly pick a 75 year old? ... and put the address as someone else, like the OP, who lives nearby with the same last name? ... hoping to snag the letter with the credit card from your mailbox (same difficulty as snagging it...