Search found 143 matches

by dalbright
Sun Jul 14, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Re: Add a second job? Trader Joes, Home depot, ???

I perform independent medical claims reviews for worker's compensation claims and other related healthcare requests. It involves record summarizing/data entry, collecting high level research/guidelines appropriate to the particular state requirements for the requests, making determinations of medica...
by dalbright
Sun Jul 14, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Re: Add a second job? Trader Joes, Home depot, ???

To those that mentioned more schooling, I have a terminal degree in my field (chiropractic physician) and also am a volunteer Firefighter but I met my wife near my school and she has a good job teaching and has quite a few years of experience, thus we stayed local to the school which limited my abil...
by dalbright
Sun Jul 14, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Re: Add a second job? Trader Joes, Home depot, ???

I am looking to add a part time second job. I have a great primary job that is very flexible and I get to work remotely, but we are not allowed to work overtime and there is not clear room for advancement other than possible 1-2% yearly pay increases. As a result I have a large portion of my day st...
by dalbright
Sun Jul 14, 2019 5:41 am
Forum: Personal Investments
Topic: 100% VMNVX [Vanguard Global Minimum Volatility Fund]
Replies: 13
Views: 1449

Re: 100% VMNVX [Vanguard Global Minimum Volatility Fund]

Hi, First time poster. Thank you for your generosity in responding. Emergency funds: Six months of expenses $50000 in VCADX Debt: Mortgage debt of $600K with 10/1 ARM at 3.125, 7 years to go. may decide to either payoff in 7 years or convert to 15 year FRM. Tax Filing Status: Married Filing Jointly...
by dalbright
Sun Jul 14, 2019 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Re: Add a second job? Trader Joes, Home depot, ???

I am looking to add a part time second job. I have a great primary job that is very flexible and I get to work remotely, but we are not allowed to work overtime and there is not clear room for advancement other than possible 1-2% yearly pay increases. As a result I have a large portion of my day st...
by dalbright
Sat Jul 13, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Re: Add a second job? Trader Joes, Home depot, ???

Interesting on the HD stock ESPP, thanks! This is the kind of info I was hoping to dig into more, and gives me more to research in that regards. Things that make a lower $/hour job more worthwhile. Ex. saving 10% at trader joes on groceries or a free gym membership start to add up for a small part t...
by dalbright
Sat Jul 13, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 4699

Add a second job? Trader Joes, Home depot, ???

I am looking to add a part time second job. I have a great primary job that is very flexible and I get to work remotely, but we are not allowed to work overtime and there is not clear room for advancement other than possible 1-2% yearly pay increases. As a result I have a large portion of my day sti...
by dalbright
Thu Jul 11, 2019 8:39 pm
Forum: Personal Investments
Topic: Bond values today
Replies: 13
Views: 1663

Re: Bond values today

I have Fidelity US Bond index FXNAX but wondering how do you know if FXNAX goes up or down before market closes like individual stock ? I own fxnax as part of my 401k (as well as pimix) and use bnd (vanguards near equivalent) to give me an idea of what fxnax is roughly doing. They aren't identical ...
by dalbright
Thu Jul 11, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 2525
Views: 194209

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Finally going to join in here on the adventure shortly, albeit at a much smaller level than most of you! I'm still working on building up my less volatile "normal" roth 401k/IRA retirement accounts, but since no leveraged funds are allowed in there I just opened up a m1 finance account for this purp...
by dalbright
Wed Jul 10, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Wize Cam reviews
Replies: 23
Views: 1590

Re: Wize Cam reviews

They are the best camera for the price for sure! We bought 4 and my most members of my family purchased them as well. You just have to find suitable places that they can be plugged in as compared to the other models which may offer rechargeable batteries and outdoor weather ratings.
by dalbright
Tue Jul 09, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 7944

Re: Who cuts your hair? And for how much?

Like others, bought a 20$ buzz cutter with maybe 7 length guides quite a few years back while in college with the thought that if it only worked once it still paid for itself. It was always a spur of the moment bad hair day that cued the need for a haircut so the convenience was key! Gradually figur...
by dalbright
Tue Jul 09, 2019 11:15 am
Forum: Personal Investments
Topic: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?
Replies: 36
Views: 1955

Re: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?

MotoTrojan wrote:
Tue Jul 09, 2019 10:55 am
100% of my bond holdings are in TMF, a 3x leveraged 20 year treasury fund.
I wish vanguard didn't block leveraged purchases now...
by dalbright
Tue Jul 09, 2019 10:36 am
Forum: Personal Investments
Topic: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?
Replies: 36
Views: 1955

Re: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?

I'm vanguard money market since paying higher than t-bills but will alternate depending on how close they are with taxes in mind. I'm also sitting in Pimix (pimco income) multi-sector bond and fxnax fidelity's total us bond. I had some long treasury that I move in and out of but sold it during the r...
by dalbright
Sat Jul 06, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: My Bond Fund took hit Friday
Replies: 14
Views: 1770

Re: My Bond Fund took hit Friday

Bonds had a pretty big run up recently with the assumption of a .50 rate cute being broadly priced in, but the jobs report messed up those assumptions and thus bonds gave back some of the recent speculative gains. The stock market was wishy washy in response to the same info since it lessened the ch...
by dalbright
Wed Jul 03, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 43
Views: 2405

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

Is this a whole house switch or are you just snagging a few specific circuits like AC, few outlets, etc? Also like another just poster, if you need materials and have a long run high gauge wire isn't cheap. Is this an underground run as well where you would have to trench, permits, etc? Thanks for ...
by dalbright
Wed Jul 03, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 43
Views: 2405

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

Price seems reasonable but if you are thinking a move is impending it's probably better to just stick with the extension cords as most people would have no idea what a transfer switch even does come time to sell...Is this a whole house switch or are you just snagging a few specific circuits like AC,...
by dalbright
Wed Jul 03, 2019 10:19 am
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 83
Views: 7812

Re: Pick one: $135,000 rental property or $110,000 in REITs

The number crunching above is excellent for the data portion. My thoughts however on such an issue would be do you like the property? If this is not purely hypothetical, a better questions is the value of the specific property compared to expectations in the future for the area and if you actually l...
by dalbright
Tue Jul 02, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Shower room with Window but no Exhaust Fan: Mildew Prevention
Replies: 34
Views: 2413

Re: Shower room with Window but no Exhaust Fan: Mildew Prevention

We were like you when i remodeled our bathrooms with each having only a 1x1' window to open. In one bathroom i put a wall mounted fan which as it was easier due to the direction of the floor joists and in the other a standard ceiling mount. Be sure any model you choose has a backdraft preventer flap...
by dalbright
Mon Jul 01, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 45
Views: 3580

Re: Opinions on bicycle disc brakes?

Absolutely get hydraulic disc brakes. I've used them for commuting year round in the midwest and they are amazing...No maintenance other than new pads every so often but much less than v-brake pads. You don't have to worry about cable wear and friction as well.
by dalbright
Sun Jun 30, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: anyone in the market for a lawn tractor?
Replies: 31
Views: 1900

Re: anyone in the market for a lawn tractor?

Plenty of used mowers on the market but maybe not at this time of year. You'll have better luck either at the end of the season or beginning when contractors are looking to upgrade or offload extras. How handy are you? You could try and find an old deere 200 or 300 series that are built like tanks b...
by dalbright
Thu Jun 27, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Package delivery man damaged door
Replies: 55
Views: 3573

Re: Package delivery man damaged door

Can I file a claim? I heard something against my front wall and looked through the peephole just in time for some packages to slam against our door. I opened it and turned off the alarm. Turned around and saw a scratch on the door. He was just smiling. Never took off his over-the-ear headphones or ...
by dalbright
Thu Jun 27, 2019 6:22 am
Forum: Investing - Theory, News & General
Topic: How do you trade individual bonds in this inverted yield curve environment?
Replies: 21
Views: 1122

Re: How do you trade individual bonds in this inverted yield curve environment?

I'm not doing much trading at all with individual treasury bonds at this point after being much more active last year and the beginning of 2019. Anything that came due or i sold i've left in MM right now. I can't predict the future but either bonds or stocks are wrong at the moment as the yields are...
by dalbright
Thu Jun 27, 2019 6:08 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4844

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

What would you do if the TPMS in 1 of your car's tires failed, assuming: - Your car is 12 years old, runs fine, and worth $5000 - You have never changed the TPMS in any of the tires and therefore the other 3 sensors batteries may die soon - One TPMS costs $70 to replace - You don't drive this car m...
by dalbright
Sat Jun 22, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5277

Re: Should I buy a condo in Chicago?

You didn't mention, but do you have a spouse? You're city plans may change significantly based upon your answer and choice for children as many move out to the suburbs at that point...If you know exactly where u want to live, then just keep an eye out for a deal and don't impulse purchase.
by dalbright
Mon Jun 17, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 2059

Re: wood floors and general cleaning: steam?

Nearly all wood and wood based manufactures recommend against using steam. You can check your product to be 100% sure but i presume it would be discouraged as well. Disregard whatever the box says for the mop...its a bad idea.
by dalbright
Thu Jun 13, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5188

Re: How much is your guys’ fees for your 401k?

Was 0, for a year, then went up to 100/yr this year with fidelity.
by dalbright
Wed Jun 12, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4896

Re: Anyone buy Security Cams from Costco?

Happy wyze user here if you decide you have any questions on them! I'm handy but decided trying to hide the cables or provide a power supply was going to be more work than it was worth.
by dalbright
Wed Jun 12, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Additional inspections other than general inspection for new construction home in Orange County, FL area?
Replies: 31
Views: 1535

Re: Additional inspections other than general inspection for new construction home in Orange County, FL area?

If you are not handy or up to date personally on building codes and design its money well spent, and a worthwhile investment if you find a good inspector. They will see things you would not. 275 is cheap out here at least in the midwest. Can't speak for the need for radon testing in your region but ...
by dalbright
Wed Jun 12, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 3088

Re: Cost of mini split installation?

Does each of those split units pull power from the associated room with that install? Would be a large per room drain of power if so. It would seem that although messy at install, drywall is cheap to fix compared to the complexity that this system would add along with future repair costs for a multi...
by dalbright
Wed Jun 12, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Central Air Conditioning Troubleshooting
Replies: 18
Views: 1165

Re: Central Air Conditioning Troubleshooting

My AC stopped working in 100 degree weather. It will be about at least 5 days until I can get a repair man because they are all booked. Is there any simple troubleshooting guide out there I can use on my own? I can still hear the fan, but no cool air, only warm air comes out. I think it might be a ...
by dalbright
Wed Jun 12, 2019 5:43 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5551

Re: (Water Filtration System) Miracle we are all not dead

We had a man come to our home to have our water “tested”. He works for a local company that sells whole house water filtration systems so needless to say, this was part of a glorified sales pitch. (I fully expected this going in but was still curious what our results would be.) He brought a chemist...
by dalbright
Wed Jun 05, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Electric Wood Chipper?
Replies: 9
Views: 800

Re: Electric Wood Chipper?

I'm looking for suggestions on an electric wood chipper. Something that will chip branches up to maybe 1.5 inches or thereabouts. I'm not interested in gasoline. To be honest i think you will be highly disappointed in the performance. It's nothing like the big chippers the tree companies use. I had...
by dalbright
Thu May 30, 2019 6:16 am
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3332

Re: Portfolio for young, worried investor

I am 18 years old with no debt and I want to get your opinions on some portfolios (for my taxable account, not for retirement): Portfolio 1: 30% VOO (S&P 500 ETF) 40% TLT (20+ year Treasury ETF) 10% IEF (intermediate Treasury ETF) 20% IAU (gold) Portfolio 2: 30% VOO 40% TLT 15% IEF 7.5% IAU 7.5% SC...
by dalbright
Wed May 29, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: What’s the best material for paving driveway?
Replies: 33
Views: 2380

Re: What’s the best material for paving driveway?

In the midwest it would be crazy IMO to have a paver drive. They grow weeds/grass in b/w the joints no matter the base material and prep and are impossible to shovel or plow properly. We cover a large range of climates on this board so I'm sure we all have different experiences as a result!
by dalbright
Fri May 17, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: How to avoid 1 week of not investing when buying treasury bills
Replies: 26
Views: 2680

Re: How to avoid 1 week of not investing when buying treasury bills

I was rolling them for a while manually when the spread b/w money market and the t-bills was more but now its so close...at least i still get the larger tax benefit with the treasuries. Ive just bought on the secondary market when i was a ways out from the auction date before.
by dalbright
Fri May 17, 2019 5:07 am
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 3606

Re: Bonds beyond Total Bond Market - Anyone ?

It depends on what your goal is with the bond portion of your portfolio I would say, and then go from there. I personally add in edv (long term treasury) and a mutisector bond fund (pimix). I live edv for its flight to quality nature as well as pimix for a bit more risk/return but greater performanc...
by dalbright
Thu May 16, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Crawl space encapsulation
Replies: 38
Views: 3086

Re: Crawl space encapsulation

I just encapsulated mine over the winter. Start to finish took about 3 months and I spent about $3000 to put in french drains and encapsulate. The crawl space at my home was about 1700 square feet and I have and average of about 4' of room between the ground and the bottom floor of the house. The p...
by dalbright
Thu May 16, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard Global Credit Bond Fund VGCAX VGCIX thoughts?
Replies: 0
Views: 238

Vanguard Global Credit Bond Fund VGCAX VGCIX thoughts?

I've been watching this fund for a bit and I'm curious what others take is on it now that the holdings are visible and it has been out for a few months. I'm not sure what the average grade is for the bonds, but maybe somebody else has been able to locate/determine that. I had two individual agency b...
by dalbright
Tue May 14, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing (Redeeming)Savings Bonds?
Replies: 12
Views: 644

Re: Cashing (Redeeming)Savings Bonds?

If they are in your (or i believe a spouse but i'm not an expert on that) name I would try and redeem them in a year you have qualifying educational expenses to help with the taxes. I cashed some last year at chase bank fwiw.
by dalbright
Tue May 14, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: How to interpret price of BND?
Replies: 5
Views: 930

Re: How to interpret price of BND?

I would not personally buy the "bonds" directly that compose something such as BND as there are components of it that have large spreads and various risks such as default. That being said I do like to buy treasury bills if the yield is greater than the money market due to the tax savings. Treasury b...
by dalbright
Mon May 13, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Crawl space encapsulation
Replies: 38
Views: 3086

Re: Crawl space encapsulation

I'm literally completing this project in my crawl at this moment, with the sump showing up tomorrow and membrane wednesday! I re-routed all of my downspouts and far away from the house cleaned out gutters, adjusted some grading where feasible, added a french drain along the driveway, etc. Those all ...
by dalbright
Mon May 13, 2019 6:12 am
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 68
Views: 6582

Re: Any conservative young investors?

Yes, I'm definitely in the conservative and young category (30). I try and optimize my risk adjusted return and if I take risks I either have to believe strongly in them or they have to be in uncorrelated assets. At this point I personally do well with a lower standard deviation fund even if it mean...
by dalbright
Wed May 08, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6472

Re: Lawn care schedule

It has been about 2 weeks since i did the weed and feed so the timing seems about right for some type of re-app. Interesting about adding the dawn!
by dalbright
Wed May 08, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6472

Re: Lawn care schedule

Just as an update to this thread since I was the OP, the crabgrass preventer seems to have done a good job. I may have to do a second round of a weed killing product as it does look like the weeds are a bit "sadder" and ragged but still popping up and I have end up pulling a fair amount (definitely ...
by dalbright
Mon May 06, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3889

Re: Winter Tires All Year?

I purchased the nokian wrg3 tires for our 2014 prius a few years ago for year round use after a lot of research on the topic. They are an all weather tire (despite that name being a catch all for every company) but are snow rated as well. They have held up great for 30-40k miles so far (i think? don...
by dalbright
Tue Apr 30, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3270

Re: new roof

Grace ice and water shield is the gold standard ice and water shield for the lower portion of the roof edge for a minimum of 3' in our area. How high you choose to go up beyond that is more dictated by your climate, house shape, past problems, etc. I'd shy away from anyone that uses 15-30lb felt as ...
by dalbright
Tue Apr 30, 2019 1:43 pm
Forum: Investing - Theory, News & General
Topic: New version of quantitative easing?
Replies: 5
Views: 719

Re: New version of quantitative easing?

It is essentially about institutionalising and normalising a perpetual form of quantitative easing. Whether that is a good or bad thing is up to you, I'll attempt to present a balanced opinion. QE is an attempt to increase liquidity. It was created because we are near the zero interest rate bound. ...
by dalbright
Tue Apr 30, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: New version of quantitative easing?
Replies: 5
Views: 719

Re: New version of quantitative easing?

I had to look it up, but I believe OP is referring to the idea discussed in this CNBC article: The Fed is looking at a new program that could be another version of 'quantitative easing' PJW Correct, that is one of the articles I saw, but I'm still waiting for better sources to discuss in more depth...
by dalbright
Tue Apr 30, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3270

Re: new roof

I am personally re-roofing my house myself right now. The duration shingles are a much better product compared to GAF and others at the moment due to the sure nail strip. They hold far better than nailing direct to shingle. As long as you like the color of the cool roof products there's nothing wron...