Search found 274 matches

by zlandar
Sun May 24, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1315

Re: Does software play a role in choosing TV

Software and hardware. For TVs this can vary by company and model number. I have a LG C9 OLED and the software is fine. Plays Youtube TV, Plex, Netflix, and Amazon just fine with Dolby Vision support through the TV. The CPU in the TV is powerful enough that navigating between and in the apps is fast...
by zlandar
Sat May 23, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9513

Re: Personal spending out of control after Covid-19

Crepe Myrtle is a weed disguised as a tree. Hate the buggers.

If I was going to plant anything it would be a Japanese Maple. Have one in the yard and it takes care of itself.
by zlandar
Sun May 17, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Is there a Cable Guy in the House?
Replies: 42
Views: 3507

Re: Is there a Cable Guy in the House?

I use MOCA adapters to create a physical network in my home. They use the same cable wiring as the cable connecting your TV to the wall. They are extremely reliable (better than WiFi or powerline). They are older gen 1 adapters and newer gen 2 adapters. The gen 1 adapters go up to 270 mbps and are c...
by zlandar
Sun May 17, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Problems with Xfinity Internet drops
Replies: 28
Views: 1630

Re: Problems with Xfinity Internet drops

If your intermittent internet loss comes back you could try an active downstream/upstream cable amplifier. I have Xfinity/Comcast Business internet for years and used to have intermittent internet loss. Comcast had to run a new cable when they first installed my service. My upstream/downstream power...
by zlandar
Sun May 17, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1637

Re: Weber Grill Will Not Light - Help

I have an older model genesis and have replaced the burner tubes and the ignition assembly. Weber replaced the tubes for free and the ignition assembly was not expensive to replace. Verify the model and year of your grill to get the correct replacement parts. Lift up your grill plates and flavorizer...
by zlandar
Tue May 12, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Wink moving to subscription platform. Hub will no longer work.
Replies: 18
Views: 1441

Re: Wink moving to subscription platform. Hub will no longer work.

Other thought would be to replace the 5 GE BR30 bulbs and install Smartthings-compatible bulbs. 4-pack is $27: https://smile.amazon.com/SYLVANIA-75584-Changing-Equivalent-SmartThings/dp/B07H918FN5/ref=sr_1_3?dchild=1&keywords=br30+smartthings&qid=1589308509&sr=8-3 Rather invest in newer bulbs with w...
by zlandar
Mon May 11, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3405

Re: Should I purchase my end-of-lease Audi A4?

If the lender is the car company they don't usually negotiate purchase price on leases. Doing so would anger their dealers who want to earn money by selling the car themselves: https://clark.com/cars/should-you-buy-out-leased-car/ "You may find you have negotiating power when it comes time to pony u...
by zlandar
Mon May 11, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3405

Re: Should I purchase my end-of-lease Audi A4?

Nope. You get to walk away from a car with a very high maintenance and repair cost.
by zlandar
Thu Apr 30, 2020 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17345

Re: Quitting a job after two weeks: relocation expenses

Did you talk with your current coworkers on the work environment and expectations prior to joining? If a company is offering 3x your current compensation I would expect the job description and responsibilities to be very different.
by zlandar
Thu Apr 23, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 107
Views: 10233

Re: lawn care cost

1/4 acre is small. You could DIY with a battery-powered mower.
by zlandar
Mon Apr 20, 2020 12:53 pm
Forum: Personal Investments
Topic: Indexing fail?
Replies: 33
Views: 2997

Re: Indexing fail?

Thinking about adjusting the indexes in my portfolio. Why would I want any index that has cruise lines or airlines in it at this point going forward ? Just can’t see that this won’t change the way folks travel for business and leisure . Thoughts ? Because selling out now would lock in your losses i...
by zlandar
Sun Apr 19, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1853

Re: Office chair recommendation for carpeted home office

Go to an office liquidation company. They have quality chairs (some new) at great discount pricing. Ditto. I bought two refurb steelcase chairs for $125 each from a local office supply store that had refurb chairs. They were 15 years old but were cleaned up, showed minor wear, and work fine. Way be...
by zlandar
Mon Mar 02, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Password Manager Risk Protection
Replies: 16
Views: 1173

Re: Password Manager Risk Protection

I use LastPass. They know they are a target of hackers and take steps to reduce the risk of info being stolen.
by zlandar
Mon Mar 02, 2020 4:04 pm
Forum: Personal Investments
Topic: Selling a mutual fund to buy an ETF + tax loss harvesting
Replies: 5
Views: 228

Re: Selling a mutual fund to buy an ETF + tax loss harvesting

Good points. I was being a little vague and imprecise here. In this case, the MF is SWPPX (Schwab S&P 500), and the ETF is SCHX (Schwab Large Cap ETF), which is not an S&P 500 fund, but tracks the Dow Jones U.S. Large-Cap Total Stock Market Index. I don't believe this would trigger a wash sale. Agr...
by zlandar
Mon Mar 02, 2020 12:30 pm
Forum: Personal Investments
Topic: Am I a Market Timer?
Replies: 28
Views: 1524

Re: Am I a Market Timer?

HERESY.

If it was that easy the active traders would be all over this.
by zlandar
Mon Mar 02, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard cost basis information disappear on busy trading days?
Replies: 13
Views: 694

Re: Why does Vanguard cost basis information disappear on busy trading days?

danman42 wrote:
Mon Mar 02, 2020 12:04 pm
The cost basis information disappeared again on Monday, March 2, 2020. The error message is: "Your data are not available at this time. Please try again later."
Just checked VG now and I see cost basis info on shares I bought on Fri.
by zlandar
Sat Feb 29, 2020 11:13 am
Forum: Personal Investments
Topic: Tips for spec ID cost basis with Vanguard
Replies: 4
Views: 240

Re: Tips for spec ID cost basis with Vanguard

If you don't intend to tax-harvest or gift specific shares to charity first-in-first-out is a simpler choice that works most of the time. I use VG's cost basis accounting. I don't have the time or inclination to track all the purchases myself. Tax-harvesting can seem daunting but it's not as difficu...
by zlandar
Sat Feb 29, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Home Pistol Safe (And What To Put In It)
Replies: 21
Views: 2257

Re: Home Pistol Safe

I can tell you which ones not to buy:

https://www.youtube.com/channel/UCm9K6r ... 6FQ/videos

LPL on a recent roll opening several gun cases with kitchen utensils.
by zlandar
Tue Feb 25, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance
Replies: 14
Views: 920

Re: Whole life insurance

Thanks guys my search on boglehead basically reinforced the idea that everyone believes in term life over whole life. So a term policy is cheaper, covers the amount I need say 1 million USD and expires after a set period. Yep. If you took the premium on a $1 million term policy and bought a whole o...
by zlandar
Sun Feb 23, 2020 12:34 pm
Forum: Personal Investments
Topic: New high income earner
Replies: 36
Views: 4742

Re: New high income earner

Think you are doing a good job if you managed to save $200k two years out of fellowship. I’m in the same income range and have not felt any need to hire a financial planner. Most planners want to charge you an assets under management fee (AUM). A 1% fee is typical. I’m not paying $10k a year for eve...
by zlandar
Mon Feb 17, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Buying a (used) house.How to avoid major defects? Inspections? Buyers Agent? Lawyers/contracts? Thanks.
Replies: 15
Views: 1362

Re: Buying a (used) house.How to avoid major defects? Inspections? Buyers Agent? Lawyers/contracts? Thanks.

Visit the home when it's pouring. Any major drainage/runoff issues will be evident. Visit the home at the time you would normally drive to work if you commute. What may seem like a peaceful area turns into gridlock madness during the weekdays. If it's on septic ask when it was installed. Septic vary...
by zlandar
Sat Feb 15, 2020 1:03 pm
Forum: Personal Investments
Topic: Vanguard Advising
Replies: 11
Views: 1350

Re: Vanguard Advising

I don't think you need it. I do not like AUM (assets under management) fees. Is it that much harder to manage a $10k vs a $10 million account?
by zlandar
Wed Feb 12, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8066

Re: Costco Tires

Discount Tire is either the same or cheaper than Costco. It's closer to my home and it's alot easier to get an appt.
by zlandar
Sun Feb 09, 2020 10:01 pm
Forum: Personal Investments
Topic: Pay off 3.875% Mortgage?
Replies: 30
Views: 3494

Re: Pay off 3.875% Mortgage?

ruanddu wrote:
Sun Feb 09, 2020 9:48 pm
Thanks everyone.

I was thinking of trying to pay off in about the next 10-15 years.

Sounds like consensus is max out my wife and my retirement first via Roth contribution?

Thanks again.
Definitely. You each get to stash $6k in an account that grows and withdraws tax-free.
by zlandar
Sun Feb 09, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6503

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

So I just talked to my credit card agency. They said that it is OK to file a dispute and it won't hurt, worst it can do is the dispute goes in the dealers favor in which case I did lose or gain anything. So I started the dispute process You were presented with the services by the dealer rep before ...
by zlandar
Sun Feb 09, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6503

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

The engine and cabin filters are something you can do on your own in a few min. You can google how to do it and watch a short YouTube video. Fuel cleaning “service” is utter crap. Ditto for the coolant “conditioner”. Weatherstripping and windshield “solvent” is crap. $100 for a synthetic oil change ...
by zlandar
Sun Feb 09, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What is the best path to get into MED School for a high school senior?
Replies: 72
Views: 6396

Re: What is the best path to get into MED School for a high school senior?

You need good grades (3.8 or higher) and MCAT. Other posters already posted good suggestions on research and volunteering. Have a personality during interviews. This is something I had difficulty with as I tend to be introverted. At the interview stage everyone has good grades/scores. Getting in req...
by zlandar
Sun Feb 09, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6503

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

You ran into a common problem where dealers, possibly others, suggest items not in the manual. Always check the manual. Getting tired of this, we decided many years ago that the purchase of a car, almost always new, would be the last time the car would ever be serviced by a dealer for anything othe...
by zlandar
Sun Feb 09, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6503

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

“ Honda recommends the 900+ package” If you look at your owner’s manual under the “maintenance schedule” you can see with your own eyes what Honda recommends. You can also google the info online. If you don’t know the maintenance schedule for your own vehicle you will be taking a lot of rides from w...
by zlandar
Sat Feb 08, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Pairing Headphones with iPhone?
Replies: 2
Views: 387

Re: Pairing Headphones with iPhone?

Won't work. You need bluetooth headphones.
by zlandar
Sat Feb 08, 2020 4:19 pm
Forum: Personal Investments
Topic: VUL Conversion Advice
Replies: 15
Views: 657

Re: VUL Conversion Advice

I'm in a similar situation though my earnings are a lot less ($17k). I also don't need the death benefit anymore. As much as I dislike paying ordinary income tax on the gain I dislike the mutual fund expenses and fees in the VUL even more. I'm going to cash out the policy this week and count myself ...
by zlandar
Sat Feb 08, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Whole House Humidifier Question
Replies: 14
Views: 1076

Re: Whole House Humidifier Question

My 600 allows running in both modes.Guessing you could have yours rewired to do the same. I had mine professionally installed so I've never looked at how it's wired into the furnace.
by zlandar
Sat Feb 08, 2020 9:01 am
Forum: Personal Investments
Topic: When to tax loss harvest?
Replies: 10
Views: 1381

Re: When to tax loss harvest?

You need to check all your accounts (401k, IRA, brokerage) and make sure you are not automatically reinvesting or buying the same fund you are selling. I almost overlooked dividends being automatically reinvested back into the same fund on some of my accounts. You could go ahead and sell the positio...
by zlandar
Fri Feb 07, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: CalPERS Savings PLUS changes on hold
Replies: 30
Views: 395

Re: My 401k /457b Removing Most Index Funds

State of CA fund lineup has embarrassingly bad expenses when it has assets in the hundreds of millions. Target fund .30% expense International .68% The large index and bond funds are ok. Anyone could log into VG and do better. Someone is asleep at the wheel. Or eating some expensive meals at fancy r...
by zlandar
Thu Feb 06, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 25
Views: 1705

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

I’ve seen Erie listed as one of the better insurers when it comes to claims handling.
by zlandar
Thu Feb 06, 2020 12:23 pm
Forum: Personal Investments
Topic: How to invest year end bonus
Replies: 21
Views: 1690

Re: How to invest year end bonus

I do it all at once. I pull up all my accounts in Vanguard’s portfolio watch and rebalance my portfolio at the same time.
by zlandar
Wed Feb 05, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Any adult Nintendo Switch owners? Thoughts?
Replies: 29
Views: 2076

Re: Any adult Nintendo Switch owners? Thoughts?

Look at the game library and see if there are any games you consider "must play". I borrowed my brother's who didn't play his and I spent 80 hours on Fire Emblem. I'm ~5 hours into Breath of the Wild but it doesn't hold my interest like Fire Emblem did. I only play it hooked up to my TV and don't us...
by zlandar
Mon Feb 03, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Do you consider yourself to be Self-Insured?
Replies: 10
Views: 1048

Re: Do you consider yourself to be Self-Insured?

On my home and auto policies yep. My auto is $2500 deductible and my home is $10k. I can easily pay those amounts. I could have gone up higher on the home but I had my Amica agent give me quotes on the deductible and policy rates. $10k was the sweet spot. I listen to Clark Howard and he has always s...
by zlandar
Sun Feb 02, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 83
Views: 6878

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Another thread on here prompted me to create this thread. The anode rod is a sacrificial rod that is inside every water heater and is designed to corrode from minerals in the water, to prevent the tank itself from corroding. Most people don't know what this is, and that it needs to be done, but doi...
by zlandar
Wed Jan 29, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Made partner but no contract after 2 months, what should I do?
Replies: 45
Views: 3775

Re: Made partner but no contract after 2 months, what should I do?

Depends on whether you trust the people in your group.

The delay may not be malicious. I'm in a physician group and our last associate buy-ins took 5 months because it took the accounting firm that long to obtain the accounts receivable and calculate the value.
by zlandar
Wed Jan 29, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Medical billing online or community college
Replies: 12
Views: 1053

Re: Medical billing online or community college

Medical billing has changed a lot over the last twenty years. Many physicians no longer handle their own billing and outsource the work to a 3rd party billing company. I would talk with people currently employed in medical billing before deciding to pursue a career in it. This line of work also str...
by zlandar
Wed Jan 29, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Medical billing online or community college
Replies: 12
Views: 1053

Re: Medical billing online or community college

Medical billing has changed a lot over the last twenty years. Many physicians no longer handle their own billing and outsource the work to a 3rd party billing company. I would talk with people currently employed in medical billing before deciding to pursue a career in it.
by zlandar
Sun Jan 26, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Multimedia Home Theater PC and OS that can handle 4K video files
Replies: 16
Views: 880

Re: Multimedia Home Theater PC and OS that can handle 4K video files

Thanks for all the replies so far. I am leaning toward the new NVIDIA Shield TV Pro (2019) edition ($199 at Amazon.) The only issue is what type of external storage I use. For now, I only need to use this on one 4K TV, so I was thinking about just maybe getting an external USB 3.0 HD and storing al...
by zlandar
Sat Jan 25, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Multimedia Home Theater PC and OS that can handle 4K video files
Replies: 16
Views: 880

Re: Multimedia Home Theater PC and OS that can handle 4K video files

Nvidia Shield can handle almost every video format that plays on a PC. Can't think of a good reason to use a small HTPC over a Shield. I do have one main HTPC that houses six 4-8 TB hard drives that serves as a Plex server and media storage I built myself and is powered by an i7-8700k. Even though i...
by zlandar
Sat Jan 25, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Thoughts on TV protection plan - $64.99 3 xtra yrs (costco)
Replies: 23
Views: 1634

Re: Thoughts on TV protection plan - $64.99 3 xtra yrs (costco)

Just using the Costco Visa doubles the manufacturer warranty an additional 24 months on non-Costco purchases. You have 1 year of manufacturer warranty + 2 years through the Citi Costco for 3 years total. If a TV is going to die it's likely to occur in the first few years. Trying to insure beyond tha...
by zlandar
Fri Jan 24, 2020 10:36 am
Forum: Personal Investments
Topic: Helping mom ditch her advisor
Replies: 14
Views: 1340

Re: Helping mom ditch her advisor

Unless the FA is charging outrageous fees (>2% assets) I would not meddle. Bogleheads are not going to agree with that overcomplicated portfolio but some people simply want a FA to manage their money.
by zlandar
Fri Jan 24, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: When to Change Car Battery?
Replies: 120
Views: 8757

Re: When to Change Car Battery?

Do you mind waiting until your car won't crank to ensure you get every last bit of life out of your battery? If no don't worry until that day. If yes 3 years is not an unreasonable time to replace the battery. I live in GA and my car batteries have lasted 3-4 years (i.e. they were replaced when the ...
by zlandar
Tue Jan 21, 2020 2:26 pm
Forum: Personal Investments
Topic: Principal As 401k Administrator - Feedback, Please
Replies: 51
Views: 2201

Re: Principal As 401k Administrator - Feedback, Please

Do they charge a wrap fee?

It’s a common way insurance companies and other high cost 401k providers hide fees.
by zlandar
Sun Jan 19, 2020 11:15 am
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 14969

Re: Why ally bank

The difference between the major online banks is pretty small IMO. I'm not going to move around my account chasing after a small difference in rates.

The real question is why so many people still use brick and mortar banks earning nothing.
by zlandar
Sun Jan 19, 2020 10:55 am
Forum: Personal Investments
Topic: [Chase told me they can beat index funds]
Replies: 48
Views: 3929

Re: [Chase told me they can beat index funds]

If he is that confident then tell him to make up the difference if he is wrong.