Search found 173 matches

by bryanm
Mon Jun 17, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 17
Views: 1135

Re: wood floors and general cleaning: steam?

We have a roomba that keeps the floors clean day-to-day. I know of the bona mop and cleaner, but I was hoping to find something that's a bit more automated and could be used for other jobs. If you're interested in automation, have you considered the Braava automated mop (basically a mopping Roomba)?
by bryanm
Mon Jun 17, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 36
Views: 2028

Re: Recommendation for light beer.

What beer do you really enjoy? Recommendations will vary based on whether you like stouts, IPAs, red ales, barley wine, etc., etc. The fundamental limit here is malt, which provides sugars for yeast to eat. More malt typically means more fermentation and higher ABV. If the malt isn't eaten, that's r...
by bryanm
Tue Jun 11, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Best Laptop/Surface Pro - $1,000 +/-
Replies: 14
Views: 747

Re: Best Laptop/Surface Pro - $1,000 +/-

I'll post the counter-anecdote to onourway's comment. I owned a Lenovo X1 Carbon for a few years. It failed multiple times. I purchased the highest level of warranty from Lenovo, but after 3 onsite visits failed to fix the issue (a failed screen or connector--physical, not software), I went and purc...
by bryanm
Sat Jun 08, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Can't open links in Thunderbird
Replies: 4
Views: 415

Re: Can't open links in Thunderbird

I found this: Hyperlinks in Messages Not Working Next step after verifying default browser is: Check that no application is specified for the HTTP content type In Thunderbird, you can specify an action that occurs when you click on various types of attachments and inline content. If the action for t...
by bryanm
Thu Jun 06, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2628

Re: Any TV guys out there?

I guess it is the new thing but I'm not a fan of the two legged approach. I prefer the center base. I heard it was something about tvs tipping over but that seems pretty lame to me. I also despise the two outer leg design. It is an effort to squeeze every cent of cost out of the unit. The center st...
by bryanm
Wed Jun 05, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: "Stay course" conflicts: Help me understand.
Replies: 10
Views: 1240

Re: "Stay course" conflicts: Help me understand.

Had I not read about staying the course (as part of BH philosophy) and tried to apply the above method to investing, I would tweak the strategy every year to adjust or adapt based on the returns of the strategy. But since I've read BH, I know that would not be a sensible approach. This is a signal ...
by bryanm
Wed Jun 05, 2019 10:37 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 918

Re: DCA on the way out, too? Even towards a conservative AA?

A common argument for DCA is that you transact more shares at a lower price than at a higher price. That sounds desirable for acquiring shares. It does not sound desirable for selling shares. I'm going to have to ponder this one... Just to wrap this up, this is not a valid point for lump sum v. DCA...
by bryanm
Fri May 31, 2019 2:00 pm
Forum: Personal Investments
Topic: Isn’t it good to have some bond funds in taxable account?
Replies: 11
Views: 1667

Re: Isn’t it good to have some bond funds in taxable account?

Don't let the tax-tail wag the return-dog. Yes, it's okay to hold bonds in taxable if you run out of space for your AA in tax-advantaged accounts. The problem with bonds in taxable isn't capital gains (or lack thereof) at the time of sale, it's "tax drag": the lowering of each year's return by the t...
by bryanm
Thu May 30, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4631

Re: Are you missing a $15,000 payment from CRB FREEDOM?

Thanks for keeping up updated!

Now don't go trying to ACH from accounts that are very similar to yours...
by bryanm
Thu May 30, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: A book reccommendation .......please?
Replies: 6
Views: 388

Re: A book reccommendation .......please?

Sorry you had a bad experience. I think the one thing most people don't consider enough in legal matters is cost vs. downside risk. Legally speaking, wills are tricky. There is a reason lawyers are able to charge what they charge to prepare them. However, you really only get into the legal weeds wit...
by bryanm
Fri May 24, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 67
Views: 2780

Re: House votes to change RMDs to 72

Per Rule 4a, "...discussions of proposed laws or regulations are prohibited," except that "[p]roposed regulations that are directly related to investing may be discussed if and when they are published for public comments." Seems reasonable to say that passage by the House is "published for public co...
by bryanm
Thu May 23, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4631

Re: Are you missing a $15,000 payment from CRB FREEDOM?

My guess is that it's an error. I've never met a scammer willing to put up $15k in "real" money (I'm assuming it is real in the sense that your bank would let you withdraw it if you asked) to a mark. But maybe I'm the sucker born today. In any event, seems best to let it sit while your bank does th...
by bryanm
Thu May 23, 2019 1:24 pm
Forum: Personal Investments
Topic: 401(k)/403(b) Distributions When You Have Both Traditional and Roth Money
Replies: 4
Views: 368

Re: 401(k)/403(b) Distributions When You Have Both Traditional and Roth Money

Right, I understand treating it separately, but my question is say I want to roll my Roth accumulations over to a Roth IRA. Do I have to pick the specific funds I bought with my Roth contributions, or do I pick whatever funds I want? My understanding is that the funds are partitioned. So, when roll...
by bryanm
Thu May 23, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Legal Advice Needed: Immigration and employment question
Replies: 13
Views: 1231

Re: Legal Advice Needed: Immigration and employment question

I am surprised that no one suggested that she talk to an immigration lawyer. This is the right advice. Don't let cost dissuade you--there are quite a few non-profits that have immigration attorneys available to discuss these issues on a more informal basis. Even under the current administration, th...
by bryanm
Thu May 23, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4631

Re: Are you missing a $15,000 payment from CRB FREEDOM?

My guess is that it's an error. I've never met a scammer willing to put up $15k in "real" money (I'm assuming it is real in the sense that your bank would let you withdraw it if you asked) to a mark. But maybe I'm the sucker born today. In any event, seems best to let it sit while your bank does the...
by bryanm
Wed May 22, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 14
Views: 1162

Re: Short (3 night) Catamaran Charter in USVI or BVI

I would recommend contacting Sunsail. (Sunsail.com) They are a large and well trusted charter service in the islands. Tell them what you are looking for and they can make recommendations on boats, itineraries, skippers, etc. Have fun! I did a 7-day bareboat (no skipper) charter out of the Bahamas w...
by bryanm
Fri May 17, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: $ Decisions: environmental, save the planet, organic, etc
Replies: 32
Views: 1733

Re: $ Decisions: environmental, save the planet, organic, etc

modern car safety features are near priceless I don't agree with that. There was a very interesting discussion on this forum recently about how to calculate the benefit of these features, but I think we can agree that the line is somewhere below the value of your life. If deciding between two other...
by bryanm
Fri May 17, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: $ Decisions: environmental, save the planet, organic, etc
Replies: 32
Views: 1733

Re: $ Decisions: environmental, save the planet, organic, etc

4. For all the wailing and gnashing of teeth about estimating environmental impact, the market based price actually usually IS a pretty good indicator, at least where trendiness or fashion, or govt subsidies don't distort it too much. Think about it -- the *cost* that went into manufacturing an ite...
by bryanm
Thu May 16, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7132

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Your intuition is correct: smaller cars are "more dangerous" in the average crash. See, for example, this study which found that "the fatal accident rate is inversely proportional to vehicle size." I drive a small car (a Leaf), and drove larger cars in the past. You do get used to it, but that doesn...
by bryanm
Wed May 15, 2019 12:17 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 97
Views: 10264

Re: If you are already wealthy, what keeps you motivated?

I find myself motivated toward different things at different times. Why those things at those times? Tradition. Who, day and night, must scramble for a living, Feed a wife and children, say his daily prayers? And who has the right, as master of the house, To have the final word at home? The Papa, t...
by bryanm
Thu May 02, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Very Delayed Posthumous Bill
Replies: 17
Views: 3737

Re: Very Delayed Posthumous Bill

Follow up: I received a copy yesterday of a certified letter the attorney sent to the county collections office, in which he informed them that the person who incurred the debt is dead, probate has been completed and the statute of limitations for creditors has passed. He also included a letter his...
by bryanm
Tue Apr 30, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Rational way to thinking about laptop replacement/repair
Replies: 16
Views: 1052

Re: Rational way to thinking about laptop replacement/repair

The maxim that you shouldn't insure foreseeable, self-coverable costs is only true when the external insurer has knowledge of your situation and adequately incorporates that knowledge into the insurance price. Store warranties are an interesting case, because given their flat rates, neither of those...
by bryanm
Wed Apr 24, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

jebmke wrote:
Wed Apr 24, 2019 11:05 pm
If I understand your comment, that means that in order to isolate devices off a main network AND allow them to talk to each other (but not the main network), one would need to implement VLAN?
Correct. At least to my understanding.
by bryanm
Wed Apr 24, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

You could set up a parallel network to the Airports for IoT devices. Literally duplicate a physical network. Completely inefficient, but if the Apple stuff works and you're buying new gear anyway... I don't get the complication. That's what the Guest Network is, without all the extra hardware. You ...
by bryanm
Wed Apr 24, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

If you're entertaining out-of-the box solutions, here's another idea I thought of: You could set up a parallel network to the Airports for IoT devices. Literally duplicate a physical network. Completely inefficient, but if the Apple stuff works and you're buying new gear anyway... I will think on i...
by bryanm
Wed Apr 24, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

The Orbi is looking pretty good; affordable, plays well with FIOS (although Verizon would rather you purchase directly from them), can have up to 3 SSID, etc. I haven't used Orbi, but it seems like it will do the trick. I would make sure that when they say 3 SSID's, they mean isolated networks. Som...
by bryanm
Wed Apr 24, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

From what I've gathered, I can: Give up the FIOS DHCP lease Quickly turn off the FIOS router Take the WAN from the ONT, disconnect it from the FIOS router, and plug it into my Airport Take an Ethernet cable from the LAN output of the Airport and plug it into the FIOS router Disable DHCP distributio...
by bryanm
Tue Apr 23, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

Not for the faint of heart, but explains why Guest Networking isn't working. ENABLE VLAN 1003 ON YOUR SWITCH If you’re Airport Extreme is not connected directly to your router, you’ll need to enable VLAN tagging on the the ports of your switch in order for it to pass the VLAN 1003 802.1q tags to yo...
by bryanm
Tue Apr 23, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I don't know why cabana and garage don't work with the same network name when plugged into the FIOS router. The Ethernet cable goes into a conduit and then appears in the outbuildings at a jack; I have not looked into whether the wiring is funky; the previous owner was an EE and did some odd things...
by bryanm
Tue Apr 23, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5102

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I think the fundamental problem with any sufficiently advanced technology is that making it easy to use (magic!) takes quite a bit of development, and that's usually only done for high volume use-cases. Your use-case is unique for a few reasons, but the most straightforward is that you're trying to ...
by bryanm
Thu Apr 04, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with the California franchise tax rules for foreign entities?
Replies: 5
Views: 299

Re: Anyone familiar with the California franchise tax rules for foreign entities?

If I were to guess, I would say that California would probably consider you as "physically operating in California" purely based on having an office there, reinforced by the fact that you have banked in California. Personally, I would err on the side of caution and pay the $800. (I'm in a similar si...
by bryanm
Wed Apr 03, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2255

Re: Windows 10 security software

Agreed that Defender is probably good enough. I use Bitdefender (no relation to Windows defender), but only because I've been known to frequent the seedier side of the net.
by bryanm
Tue Apr 02, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Frequent flyers: quality of airline onboard wifi?
Replies: 9
Views: 590

Re: Frequent flyers: quality of airline onboard wifi?

It depends on the flight. Traditional Gogo WiFi is pretty spotty, and can be frustrating. However, some Delta flights have been upgraded to 2Ku high-speed WiFi. The link shows that it's available on 737-900 flights (which is not a "737 Max" plane, BTW), but I'm not sure if that's all flights. On the...
by bryanm
Fri Mar 29, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]
Replies: 64
Views: 4223

Re: Diversification Can Improve Retirement Outcomes (SWR) [Very Long Post]

So much effort and time is put into avoiding the potential perils of using the 4% rule for retirement income (aka the "constant dollar" method), and often it is never realized that the greatest issue with that is actually the use of that withdrawal method itself. Said another way, trying to find th...
by bryanm
Thu Mar 28, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1716

Re: router internet parental controls

Have you considered a UTM appliance? You don't even need to change your router--just have a UTM machine somewhere and configure the router to pass all traffic through the UTM. I use Sophos UTM, which is free for home use (it's running on a VM in my server). It's a small business grade solution, and ...
by bryanm
Wed Mar 27, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

You are missing that the traditional leaves money in your pocket now that can also be invested and attain the same returns Ok let me run some numbers assuming 25% tax bracket for rounder numbers. You have $8000 pre-tax money to invest. You ninja-edited my comment into oblivion :). I believe I agree...
by bryanm
Wed Mar 27, 2019 5:03 pm
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

Different people may have different "primary values," and we shouldn't look at IRAs in particular (to the exclusion of other tax-advantaged space, like 401ks). Having higher effective contribution limits is great, but if you only invest post-tax dollars, you're probably leaving money on the table l...
by bryanm
Wed Mar 27, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: Free dinner from an attorney
Replies: 32
Views: 3264

Re: Free dinner from an attorney

As a lawyer, I hate this. I would never lend my imprimatur to another non-law profession by "hosting" something as a gentle suggestion that my legal counsel was that they accept that person's services. Depending on the financial/business arrangement (and the state), this could easily be unethical. ...
by bryanm
Wed Mar 27, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

The primary value of ROTH is tax rate arbitrage. Given static tax law, the lowest total tax paid results from a constant taxable income. I disagree. The primary value of ROTH is that you can contribute more of today's income to save for your retirement tax free. If you're in the 24% tax bracket, co...
by bryanm
Wed Mar 27, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

I am assuming that I have $6,000 to invest. I can put $6,000 in the Roth or I can put $6,000 in traditional, deduct it and have another $1,500 to invest. That $1,500 will be invested in a taxable account and thus subject to dividend taxes each year and capital gains taxes when withdrawn. Having the...
by bryanm
Wed Mar 27, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

I am assuming that I have $6,000 to invest. I can put $6,000 in the Roth or I can put $6,000 in traditional, deduct it and have another $1,500 to invest. That $1,500 will be invested in a taxable account and thus subject to dividend taxes each year and capital gains taxes when withdrawn. Having the...
by bryanm
Wed Mar 27, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Traditional vs. Roth IRA clarification
Replies: 29
Views: 975

Re: Traditional vs. Roth IRA clarification

In this case, the consensus is that there is no difference in traditional vs. Roth IRA, correct? I don't understand your inclusion of the taxable amount. The consensus has never been that trad+taxable is equivalent to Roth. Rather, the consensus is that $n invested into trad is equivalent to $(n-ta...
by bryanm
Tue Mar 26, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Why has the S&P500 gone up so much since 2009?
Replies: 37
Views: 4313

Re: Why has the S&P500 gone up so much since 2009?

What's your take? Because I was unable to invest anything from 2009 to 2012 and barely able to invest a few thousand per year between 2013 and 2016. Now that I'm able to invest a high percentage of my income, the stock market will stay relatively flat until I retire. At that point, it will immediat...
by bryanm
Sat Mar 23, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3545

Re: Computer security

The objective of the entire TLS handshake is to ultimately agree on a single-use, disposable, symmetric key with which all the traffic that follows is encrypted. ... If a VPN is involved, the process is [similar] - the initial setup (VPN client -> VPN server) is done asymmetrically and quickly shif...
by bryanm
Fri Mar 22, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3545

Re: Computer security

For anyone reading this thread any getting bogged down in all the acronyms and security mumbo-jumbo, please do not be scared. No security is perfect. Russia could be watching over your shoulder on a secret 1mm camera embedded into your earlobe! But they probably aren't. The security concerns about w...
by bryanm
Thu Mar 21, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3545

Re: Computer security

DPI "breaks PKI" in the sense that as neither Alice nor Bob, I can see the plaintext of encrypted traffic traversing my network, something that is required by regulation in my industry. pfSense will get you DPI and packet capturing, you can throw that on a NUC, set the SSID as "FreeATTWifi" and at ...
by bryanm
Thu Mar 21, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3545

Re: Computer security

Couple of corrections: If you use any public wi-fi network you are taking risks. First, do you ever know if you are connection to the place of business's access point or to someone who set up an access point and is simply relaying your traffic to the Internet but in the meantime is observing/captur...
by bryanm
Mon Mar 18, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: amended returns - what does "or two years from when you paid the tax mean?"
Replies: 6
Views: 311

Re: amended returns - what does "or two years from when you paid the tax mean?"

I believe the "or two years from when you paid the tax" is intended to capture late payments. So unless you paid more than 1 year late, the "3 years after the date you filed your original return" should be the date. (At least that's my initial read.) Slightly different point, but I don't think we sh...
by bryanm
Fri Mar 15, 2019 3:06 pm
Forum: Personal Investments
Topic: Roth IRA Money Market Funds-Liquid or Non-Liquid?
Replies: 6
Views: 204

Re: Roth IRA Money Market Funds-Liquid or Non-Liquid?

What purpose does this semantic exercise serve? Serious question. If we know why you’re asking and what decision/action will be impacted by the answer, we can give a more appropriate answer. This the heart of the question. For emergency fund purposes, it's probably liquid. For mortgage application ...
by bryanm
Thu Mar 14, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Two-Factor ID for my Bank
Replies: 24
Views: 1416

Re: Two-Factor ID for my Bank

Even if an email is sent using TLS that does not make it completely secure. TLS only encrypts the data during transit. It is still potentially stored in plain text on the sender's email server, on the receiver's email server, and any other servers it might have rested on along the way (such as if y...