Search found 39 matches

by Kruser64
Fri Nov 13, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 381
Views: 23663

Re: PC Build Thread 2020

Got my system built with Ryzen 5600X! Best Buy delivered the CPU 2 days early from their estimate. Compared to my i5-7600k, my video encode test dropped from 10:19 to 5:54. Updates: 7600k -> 5600X ASUS Z390 -> ASUS B550 MB pcie 4.0 Samsung nvme 2 140 mm BeQuiet SilentWings 3 fans at front of case 1 ...
by Kruser64
Thu Nov 12, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Google Photos
Replies: 56
Views: 3993

Re: Google Photos

Or stay below 15 gb storage. I've been using Google Photos for a nearly a decade now with "high quality" setting. I just checked my usage and it's at 4 GB used. Looks like I'll be good for the next 2 decades depending on how many more megapixels gets crammed into the next iPhone camera. A...
by Kruser64
Thu Nov 05, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 381
Views: 23663

Re: PC Build Thread 2020

Seems like I hit the lotto at Best Buy today and was able to place an order for AMD Ryzen 5 5600X, pickup on 11/14. We shall see. Replacing an Intel 7600k. Have an nvme SSD, new MB by necessity, and some new BeQuiet fans all queued up. Tired of my kids always having more powerful systems than me! Ne...
by Kruser64
Sat Oct 24, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 3832

Re: RIP Google Play

I like Shuttle + Player. It has gapless playback. Does gapless playback work on Chromecast audio ? I ran a test with Rocket Player. No gapless playback with Chromecast audio. The gap is substantial. I was somewhat surprised as gapless works flawlessly with Bluetooth and headset. Maybe some protocol...
by Kruser64
Fri Oct 23, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 3832

Re: Google Play Music sunsetting to YouTube Music

Rocket Player on Android
MusicBee on PC

Spotify for discovery. Was purchasing on Google, that's gone. Now I use 7digital and also my local library allows 5 free downloads per week. Library is mostly older stuff...downloaded David Gilmour's first solo album...nice. :happy
by Kruser64
Fri Oct 09, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Always check your bank statements
Replies: 37
Views: 4813

Re: Always check your bank statements

I have not checked my bank statements in decades. Switched to paperless as soon as it was available and I ignore them. Do check online at least once a week which is easy. 0.5% of my net worth is at my bank. Zzzzz. For the brokerage accounts, where the real $$ are, I do download and keep an annual st...
by Kruser64
Fri Oct 09, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: husband passed away, no will. Is probate court necessary?
Replies: 33
Views: 6628

Re: husband passed away, no will. Is probate court necessary?

I do have a will, but I think my non-joint and non-tod/pod assets total about $40. (That's how much cash I have in my wallet.) Won't be any probate in my case, that's for sure. :D
by Kruser64
Thu Sep 24, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 381
Views: 23663

Re: PC Build Thread 2020

LadyGeek wrote: Thu Sep 24, 2020 8:51 pm Yes, I also enjoy doing the research. If you think the Zen 3 is "close enough" to release, I can wait a few weeks and research Zen 3.
Zen 3 announcements from AMD are on 10/8.

https://twitter.com/AMD/status/1303727083747766274
by Kruser64
Mon Sep 21, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7534

Re: Why buy medical insurance ?

Just playing devil's advocate, what is so bad about bankruptcy especially if the bulk of your assets are in bankruptcy exempt vehicles?
by Kruser64
Fri Sep 11, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 3832

Re: Google Play Music sunsetting to YouTube Music

I don't know of any other services that can take advantage of the "google assistant" to use voice commands. I also never use voice commands. I use Google Assistant to play owned songs (.mp3 files) on my phone. Not uploaded to any service. I use the Android App 'Rocket Player' but others w...
by Kruser64
Sat Sep 05, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14350

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

I'm just accepting what basically amounts to 0. Nil. Nada. Zip. Thankfully, there is no inflation! (According to the fed). :beer
by Kruser64
Tue Aug 18, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6384

Re: Thinking of moving Seattle or Vancouver, WA

Some people consider Vancouver WA to be a suburb of Portland. I've thought of checking it out to be close to Portland while still avoiding their income tax. It's not just the OR income tax, but the OR estate tax is really high also. WA is much better, although not great. Something to consider for y...
by Kruser64
Tue Aug 04, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9555

Re: Paying cash for a new car... should I let them run my credit?

carmax had the best system imho +1 on carmax. I did not try to take the car same day, I just told them to call me when they confirmed they had the funds. I paid via cashier's check. They called I think it was 2 days later. No SSN, no credit check, no drama of any kind. The whole carmax process star...
by Kruser64
Mon Jul 20, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: From lender's perspective, why would they lock in such low long-term debt?
Replies: 61
Views: 6184

Re: From lender's perspective, why would they lock in such low long-term debt?

Don't forget that the lenders are also getting fees at the time of origination.
by Kruser64
Wed Jul 15, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: Retirees: How you spend your time?
Replies: 63
Views: 7660

Re: Retirees: How you spend your time?

Exercise, Excel, Perl, and xbox game pass for PC. :D
by Kruser64
Mon Jul 13, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: White Salmon, WA
Replies: 6
Views: 1219

Re: White Salmon, WA

Although no sales tax, but in addition to income tax, Oregon has a steep estate tax that you might want to consider. WA estate tax is not great, but is a lot better than OR.
by Kruser64
Thu Jun 18, 2020 11:32 am
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7256

Re: New "Money In Excel"

As mentioned, non-starter until it supports 2 factor authentication. (does not at fidelity for instance) Yeah, I see this as a big win for 2FA. Doing exactly what it's supposed to. In order for Plaid to get around it, they'll need cooperation from Fidelity (or whatever financial institution). A sep...
by Kruser64
Mon Jun 15, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7256

Re: New "Money In Excel"

Actually I doubt Microsoft will have access to the transaction data - at least in the way you imply. Right, so you are thinking Microsoft won't store (or otherwise mine in real time somehow) the transactional data? They will certainly have the ability to do it as the transactional data will flow th...
by Kruser64
Mon Jun 15, 2020 5:27 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7256

Re: New "Money In Excel"

I'm currently not unhappy with my so far six-year experience with Personal Capital (which followed almost a decade using Yodlee MoneyCenter.) One thing that did always bug me though - there was some speculation on this forum that using services such as Yodlee and Personal Capital might violate secu...
by Kruser64
Sun Jun 14, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: Thinking of closing out my Vanguard Account
Replies: 55
Views: 6835

Re: Thinking of closing out my Vanguard Account

And make it easier on my family, so they can walk into a "real building" when I die. Maybe they would find it easier to call a toll free number than go to an office? Of course they can do both. I think there is value in planting yourself in a branch and not being too easily ignored if you...
by Kruser64
Thu May 07, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

Instead we see: * 401k et al. fees consistently north of 0.25% for S&P 500 funds and it just goes up from there * Same for 529 plans, and states constantly changing plan sponsors and investment options based on what is perceived to be best for the state, not the investors I wish I could go back...
by Kruser64
Thu May 07, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

My 401k has several index options with expense ratios under 10 basis points. The S&P 500 fund in my 457 has an ER of .003%, three-tenths of 1 basis point. Beyond that, analysis by others on the forum has shown that expense ratios (including any fees charged to participants) must generally be hi...
by Kruser64
Thu May 07, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

wootwoot wrote: Thu May 07, 2020 12:08 am
Do you realize that you can rollover a 401k into an IRA?
Only if you separate from service. And of course you have to navigate the administrative hassle and the potential of being out of the market for some time as a lot of plans don't support in-kind transfers.
by Kruser64
Wed May 06, 2020 6:32 pm
Forum: Investing - Theory, News & General
Topic: Corona impact on Real Estate as a viable asset class
Replies: 16
Views: 1631

Re: Corona impact on Real Estate as a viable asset class

I opine that Class A office rental rates will drop dramatically as leases expire and will never return to current levels. One lesson learned from this is that businesses can carry on just fine with a stay-at-home workforce and that the prestige value of fancy offices is overrated. Not disagreeing, ...
by Kruser64
Wed May 06, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

I am retired business owner and I would rate my 401K experience overall a big positive. In other threads I discuss the tax bomb of RMDs but it is a great problem to have. Well the tax bomb is a great problem to have compared to having no money at all. But compared to a more balanced/hedged portfoli...
by Kruser64
Wed May 06, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

Sure, I agree with all that. Of course the widow penalty also has the possibility of carrying on to an heir, and now with no more stretch the 10 year schedule could up the distributions. That can impact all kinds of means tested benefits. I think a lot of people automatically assume tax deferred is ...
by Kruser64
Wed May 06, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

Yahoo aside; the upsides of a 401K far out weigh the downsides. Up to the match I think there is not much question. Beyond that though, I would say "not so fast". Widow penalty and step up in basis are 2 variables that could be massive in favor of regular brokerage. There are others too. ...
by Kruser64
Tue May 05, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 8001

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

OK so I'm a little late to the thread here. I feel like some of the points in the article are spot on, others are way off. The widow penalty is a biggie and isn't talked about much. I have a few more downsides of my own to add: -Plan hassles and freezes if company merges/goes bankrupt/changes plan p...
by Kruser64
Tue May 05, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 2130

Re: Payoff Mortgage in 2 years or max out 401k

There is at least one other choice...invest in after tax brokerage. Tax deferred is great...until you run into rules like RMDs, ACA cliffs, IRMAA, plan annoyances, and a whole host of other downsides that don't get discussed much. Just another variable to think about. :happy -Kruser64 Tax-advantage...
by Kruser64
Tue May 05, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 2130

Re: Payoff Mortgage in 2 years or max out 401k

There is at least one other choice...invest in after tax brokerage. Tax deferred is great...until you run into rules like RMDs, ACA cliffs, IRMAA, plan annoyances, and a whole host of other downsides that don't get discussed much. Just another variable to think about. :happy

-Kruser64
by Kruser64
Tue May 05, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3225

Re: Moving from High taxed state to no income tax state

WA has no income tax. Local taxes/levies/fees are high in Seattle, but if you are outside Seattle it is a fairly low tax state. The best tax deal you can get is to live on the Oregon border. WA has no income tax, and Oregon has no sales tax. Oregon has a brutal estate tax. The income tax rates ratc...
by Kruser64
Thu Apr 30, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Minor regret with a 15-year mortgage
Replies: 26
Views: 3046

Re: Minor regret with a 15-year mortgage

celia wrote: Thu Apr 30, 2020 1:20 pm Who wants to be paying off a mortgage in retirement?
Me. Happily. Back to that discussion again for the 1,000th time, doh. :oops:

-Kruser64
by Kruser64
Wed Apr 29, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: [One stop shop with BoA / Merrill Edge]
Replies: 34
Views: 2214

Re: [One stop shop with BoA / Merrill Edge]

I'm a big fan of their ATMs specifically that I can access with my iPhone and a virtual card on my phone. Same here, love those NFC ATMs. I'm using Android. I'll add that I think BofA's tech is very good. Mobile app is good, website I've never found slow or offline, etc. The credit union I was usin...
by Kruser64
Thu Apr 16, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10493

Re: Eating out after lock-down is lifted

Caduceus wrote: Thu Apr 16, 2020 11:19 am Well, if you're octogenarians, I can't imagine the risk is worth it.
Flip side to that, I will quote my octogenarian uncle: "At my age I'm going to eat as much bacon as I want and I don't care about the consequences."

-Kruser64
by Kruser64
Thu Apr 16, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 62
Views: 5100

Re: Worried about the future of REITs

I have also been concerned about the long term impact on commercial properties. I switched from VNQ to REZ since it focuses more on residential (although it's dropped quite a bit too). I'm also a fan of REZ for same reason as you. Yes it has dropped a lot. Some of the problems are, I think: Exposur...
by Kruser64
Sun Apr 12, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7256

Re: New "Money In Excel"

Actually I doubt Microsoft will have access to the transaction data - at least in the way you imply. Right, so you are thinking Microsoft won't store (or otherwise mine in real time somehow) the transactional data? They will certainly have the ability to do it as the transactional data will flow th...
by Kruser64
Sun Apr 12, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 7256

Re: New "Money In Excel"

Wow, this is big. Cue the "do you feel safe using Plaid" discussions: https://www.bogleheads.org/forum/viewtopic.php?t=299047 I would guess that Excel is going to go thru Azure and Azure will link with Plaid. So also you have to be comfortable with MS having access to your transactional da...
by Kruser64
Tue Apr 09, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 11050

Re: Best place to buy Microsoft Office 2019....

Well I believe the Office365 flavor supports stock quotes but the standalone version does not. For me this is a major feature. But I also am in the camp of subscription overload. It's not a cost thing - it's a life simplicity thing. The more of these autopayment subscription things I have, the more ...
by Kruser64
Wed Feb 20, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stock quotes available in Excel
Replies: 1
Views: 386

Re: Stock quotes available in Excel

Any update on the non-Office 365 version? Does "regular Excel 2019" have this capability? One thing for sure, "Office Online" version of Excel does not have it. While I like Excel much better than google sheets, at the same time I don't like subscriptions. :annoyed