Search found 158 matches

by kevinf
Thu Jul 02, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

That it's behaving as expected during market variances. NTSX remains my core taxable holding.
by kevinf
Sat Jun 27, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: magicJack question - What happens if you don't pay the 911 fee?
Replies: 18
Views: 1559

Re: magicJack question - What happens if you don't pay the 911 fee?

911 service is required to be available through land-line and cellular phones even if there is no active service plan. If you simply need a way to contact 911 in an emergency without paying a fee, a charged cell or a landline in place will do the trick. https://www.911.gov/frequently_asked_questions...
by kevinf
Wed Jun 10, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 275
Views: 25711

Re: Why not 100% PSLDX?

Has anyone setup a Roth for PSLDX at a brokerage that has lower minimums and fees for purchase than Vanguard, then just do a transfer in kind over to VG? Any catches to doing so?
by kevinf
Sun Jun 07, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them
Replies: 34
Views: 2489

Re: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them

My three portable indoor AC units all have big plugs that incorporate "reset" and "test" buttons, which make them look, at least to my uneducated eye, like GFCI. Is that what they are? Yes. I'd still replace the receptacle with a GFCI 3-prong so you don't have that cheater plug acting as a lever an...
by kevinf
Sun Jun 07, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them
Replies: 34
Views: 2489

Re: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them

So... there's a middle ground between using cheater plugs (bad idea), and a complete rewire ($$$$). Go to the hardware store and buy a GFCI outlet ($12) and GFCI outlet cover ($1). Turn off the breaker, unscrew the outlet cover, unscrew the outlet from housing, unscrew the wires from the outlet, dis...
by kevinf
Sat May 30, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12508

Re: Face mask recommendations

You won't see a half/full face respirator approved for medical (read: hospital) use because they are comically overkill for the purpose. You can find a tiny little hammer that is "medical grade" but you won't be finding any 50lb sledgehammers approved for medical use. Medical first responders someti...
by kevinf
Wed May 27, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Installing window AC without accordion side panel
Replies: 17
Views: 1160

Re: Installing window AC without accordion side panel

I have a 25.5" wide window and purchased a unit that requires side to side clearance of 26.75" with accordions. What I did was to take a box cutter to remove a section of the accordion material to leave only 2-3 folds remaining. I sanded the end of the accordion material and super-glued the two part...
by kevinf
Tue May 19, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6394

Re: What kind of sunglasses?

Maui Jim's seem to be pretty popular! I am not specifically looking for name brand sunglasses, but here is what I've noticed about buying cheap ones: 1) They scratch more easily/they break more easily. 2) They are too dark for me. Not sure if this is because they are cheap or what. I find myself li...
by kevinf
Tue May 19, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3570

Re: Sources for N95 masks

I keep hearing about the fit. Can anyone elaborate on the difficulty of this? One way to do a fit test involves putting your head in a box while wearing the mask while a saccharine solution is sprayed inside. If you can smell or taste the sweetness your mask is not sealing properly. There are other...
by kevinf
Mon May 18, 2020 11:58 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6394

Re: What kind of sunglasses?

Many Maui Jims lenses are optical glass, not a plastic lens material. The clarity is far greater as well as being nigh scratch-proof. MJ is still an independent eyeglass maker. I've seen hundreds of Oakleys... horribly fogged by scratches. For the less expensive but highly customizable option would ...
by kevinf
Thu May 07, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4044

Re: Will a vpn complicate or improve my internet experience?

1. A VPN does not stop malware and spyware from infecting your machine while connected. This is still the number one attack vector as well as the number one method of data loss. As long as you have spyware on your machine a VPN is entirely pointless. NordVPN has a "CyberSec" feature that does serve...
by kevinf
Thu Apr 30, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: 20 AMP Plugs
Replies: 31
Views: 2111

Re: 20 AMP Plugs

Thanks. That's good to know. (as if tenants read labels. . . . :shock: :shock: ) The older 2 prong no ground receptacles can only be had at the supply houses so I've bought them in bulk for one of my buildings. Also didn't know that GFCI's work without a ground wire. Interesting. Thanks again, j :h...
by kevinf
Thu Apr 30, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: 20 AMP Plugs
Replies: 31
Views: 2111

Re: 20 AMP Plugs

...It is safest to only replace receptacles with whatever was installed in the lst place regardless of what the breaker amp. is. IE: if the original outlet receptacle does not have a "ground" (3 prong) in an older building, then it has to be replaced with the existing 2 prong only with no ground. (...
by kevinf
Wed Apr 22, 2020 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pennsylvania Unemployment Compensation
Replies: 4
Views: 556

Re: Pennsylvania Unemployment Compensation

https://www.uc.pa.gov/unemployment-benefits/file/Pages/File%20an%20Initial%20Claim.aspx https://www.uc.pa.gov/unemployment-benefits/file/Pages/Whattoexpect.aspx Just so you know, I was furloughed on March 27th, filed for UC March 29th, filed the fist biweekly claim on April 12th, and have not receiv...
by kevinf
Mon Apr 20, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1955

Re: Office chair recommendation for carpeted home office

:oops: Someone didn't read the thread before replying :P At least that counts as a vote for caster upgrades :mrgreen: Buy any chair that you find comfortable, and if it doesn't already come with "rollerblade" style casters, swap them out for a set. You can find them on Amazon. No chair mat needed......
by kevinf
Sun Apr 19, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1955

Re: Office chair recommendation for carpeted home office

Buy any chair that you find comfortable, and if it doesn't already come with "rollerblade" style casters, swap them out for a set. You can find them on Amazon. No chair mat needed... they create their own set of problems. I never heard of these casters, interesting. Will they not leave ruts in the ...
by kevinf
Sun Apr 19, 2020 12:47 am
Forum: Personal Consumer Issues
Topic: Office chair recommendation for carpeted home office
Replies: 28
Views: 1955

Re: Office chair recommendation for carpeted home office

Buy any chair that you find comfortable, and if it doesn't already come with "rollerblade" style casters, swap them out for a set. You can find them on Amazon. No chair mat needed... they create their own set of problems.
by kevinf
Sun Apr 19, 2020 12:44 am
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 6048

Re: Issues with face masks?

You all would be WAY more comfortable in a simple surgical mask / bandanna vs cheap N95s. If you're going to argue about "superior filtration" as a reason not to, then you might as well go full-face respirator with P100 filters... which are actually really comfortable and easy to breath through. Sta...
by kevinf
Thu Apr 16, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

How are you calculating the future CAGR with the draw-down protection afforded by its 60% bond equivalent allocation? I imagine that if we have a bull market for 30 years straight, NTSX will fall well behind. But the rockier the road to retirement, the better NTSX would perform compared to a straigh...
by kevinf
Fri Apr 10, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on New Home in PA
Replies: 10
Views: 802

Re: Taxes on New Home in PA

Some counties may allow you to do an online search for the info: http://dauphinpropertyinfo.org/
by kevinf
Mon Apr 06, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Removing/Preventing Moss From Pavers
Replies: 15
Views: 1087

Re: Removing/Preventing Moss From Pavers

...Power wash is an option but a double edged sword, you will lose the sand in between and will have to put it more often. Also losing sand means, further complications with the pavers, I wouldn't do power wash unless you are putting sand afterwards. One thing that works is that you keep few bags o...
by kevinf
Mon Apr 06, 2020 2:01 am
Forum: Personal Consumer Issues
Topic: viability of activated charcoal?
Replies: 1
Views: 351

Re: viability of activated charcoal?

The purpose of the activated charcoal is to reduce odors. Put something smelly on the intake and smell the exhaust. If you can't smell much of it, then it's still good to go.
by kevinf
Sat Apr 04, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2930

Re: is a $1000+ herman miller office chair worth the investment?

There are very good chairs available for much less. I'm currently sitting in this and quite pleased: https://www.staples.com/staples-ayalon-mesh-and-fabric-task-chair-black/product_2722088 It's rated for 8-10 hours of use at a time and feels like it, since the seat has proper cushioning that is thic...
by kevinf
Mon Mar 30, 2020 1:20 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 275
Views: 25711

Re: Why not 100% PSLDX?

MoneyMarathon wrote:
Sun Mar 29, 2020 5:50 pm
kevinf wrote:
Sun Mar 29, 2020 5:45 pm
Keep in mind that PSLDX has a minimum buy-in of $25,000 with a $1,000 minimum for additional purchases.
I think that's Vanguard. Ally Invest has a lower minimum ($100, I think).
It's Vanguard. :sharebeer
by kevinf
Sun Mar 29, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 275
Views: 25711

Re: Why not 100% PSLDX?

Keep in mind that PSLDX has a minimum buy-in of $25,000 with a $1,000 minimum for additional purchases at Vanguard.
by kevinf
Sun Mar 29, 2020 12:01 am
Forum: Investing - Theory, News & General
Topic: Why would any investor ever even consider a leveraged fund?
Replies: 17
Views: 1404

Re: Why would any investor ever even consider a leveraged fund?

I have heard some talk about investors getting into leveraged funds to ride the wave back up in a big way. This seems crazy to me and definitely not in my investment plan. :shock: I moved from VTSAX to PSLDX in my roth recently and I hold NTSX in taxable. These are both "hands-off" leveraged funds,...
by kevinf
Sat Mar 28, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24478

Re: Are you still going to the grocery store or using a delivery service? Which?

My own unverified opinion is that bleach kills nasty germs and viruses. I mix this with a cleaner I got from Dollar Tree store and spray it on surfaces and then wipe it down with paper Towels. I could not find bleach at my local grocery store so I decided to go to Home Depot at 6:00 a.m. this morni...
by kevinf
Fri Mar 27, 2020 11:19 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24478

Re: Are you still going to the grocery store or using a delivery service? Which?

My own unverified opinion is that bleach kills nasty germs and viruses. I mix this with a cleaner I got from Dollar Tree store and spray it on surfaces and then wipe it down with paper Towels. I could not find bleach at my local grocery store so I decided to go to Home Depot at 6:00 a.m. this morni...
by kevinf
Wed Mar 25, 2020 11:55 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Some treasury yields are now negative (1 and 3 month) https://www.ccn.com/apocalypse-now-u-s-treasury-bond-yields-now-have-negative-rates/ Thoughts on how this effects NTSX? "Treasury futures are laddered (equal-weighted) across the 2-, 5-, 10- and 30-year segments of the yield curve to diversify i...
by kevinf
Mon Mar 23, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Being that this is an NTSX specific thread, what about its leverage do you feel needs this warning in light of recent market performance?
by kevinf
Thu Mar 19, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

For those who thought leverage of diversification assets was a one way street to risk adjusted outperformance, this recent episode when everything went down at once may provide a cautionary lesson. The market is not required to act as expected. Garland Whizzer It seems like NTSX performed as expect...
by kevinf
Wed Mar 11, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2502

Re: Battery powered lawn mower recommendation

https://www.youtube.com/watch?v=bDngnPhaZX4

Ego vs Ryobi self-propelled mower reviewed by WorkShopAddict
by kevinf
Tue Mar 10, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2502

Re: Battery powered lawn mower recommendation

I have a smallish lot that I mow, edge, trim, and leaf-blow with my two 2.5Ah batteries. The batteries are shared between my Ego mower, Ego string trimmer, and Ego leaf-blower. Having two smaller batteries allows my to have two yard tools ready to use without swapping batteries around. I have the st...
by kevinf
Fri Feb 28, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

I'm talking about DCA from VTI to NTSX. So DCA is a bet the market will recover short term I'd think. Doesn't the main benefit of NTSX come during downturns? And during expansions it should match or even under-perform a little? That's been my experience with it so far year-to-date. The amount NTSX ...
by kevinf
Fri Feb 28, 2020 11:54 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 9909

Re: Forum is very slow?? is this just today?

I can reach the site on my laptop/desktop but my phone over LTE gets a "connection refused" error.
by kevinf
Fri Feb 28, 2020 2:49 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

I sold all my VTI a few days ago for cash at 161, but that was because I planned to switch it anyway to NTSX for the long-term, and there was short-term capital loss. Now I’m thinking I’ll wait to reinvest it in NTSX as I just don’t see a bottom yet. That makes me a market-timer and currently I’m o...
by kevinf
Fri Feb 28, 2020 2:39 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Because I had looked into it and liked the fund, but was still hesitant to do a total swap. So I missed out on the benefit of NTSX for this correction on half my Roth. Not a huge thing, and I wouldn't call it a mistake... but if I could rewind I'd go 100% NTSX at the beginning of the year instead.
by kevinf
Fri Feb 28, 2020 2:34 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 223
Views: 15985

Re: What to pair with NTSX?

lexor wrote:
Fri Feb 28, 2020 1:27 am
Surprised to see USMV has outperformed NTSX since NTSXs inception
I wonder if that stays true after this correction.
by kevinf
Fri Feb 28, 2020 2:31 am
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

Kinda kicking myself for not committing to 100% NTSX in my ROTH (formerly 100% VTI) at the beginning of the year now. :moneybag
by kevinf
Thu Feb 27, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1244

Re: Photochromic Transitions glasses

Have you considered a polarized gradient tint? Polarized will eliminate road/puddle glare on the ground, but the gradient will allow you to see rocks and things on the ground more clearly while more strongly blocking bright sky. How are the polarized lenses when looking at phone screens? Can you se...
by kevinf
Thu Feb 27, 2020 12:49 am
Forum: Personal Consumer Issues
Topic: Photochromic Transitions glasses
Replies: 14
Views: 1244

Re: Photochromic Transitions glasses

Have you considered a polarized gradient tint? Polarized will eliminate road/puddle glare on the ground, but the gradient will allow you to see rocks and things on the ground more clearly while more strongly blocking bright sky.
by kevinf
Mon Feb 24, 2020 11:59 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree 90/60 U.S. Balanced Fund [NTSX]
Replies: 305
Views: 25111

Re: WisdomTree 90/60 U.S. Balanced Fund [NTSX]

NTSX is doing well in the dip... It is now 4 figures ahead of what was a 50/50 VTI/NTSX portfolio split in mid-January. Unfortunately, the dip happened a few days before I planned to transfer money into my settlement fund so I may miss out on the sale :annoyed
by kevinf
Sun Feb 23, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Hold on Settlement Fund
Replies: 16
Views: 1077

Re: Vanguard Hold on Settlement Fund

This is what I can find regarding a Vanguard routing number: https://personal.vanguard.com/us/content/DDep/DDepSettgUpDirDepContent.jsp https://personal.vanguard.com/us/content/DDep/HelpFAQDirDepositContent.jsp https://www.reddit.com/r/personalfinance/comments/42cec7/direct_deposit_to_a_vanguard_acc...
by kevinf
Sun Feb 23, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Hold on Settlement Fund
Replies: 16
Views: 1077

Re: Vanguard Hold on Settlement Fund

mhalley wrote:
Sun Feb 23, 2020 12:20 pm
Did you pull it from vanguard? A push from the bank is settled faster I believe.
One can initiate a pull from Vanguard by using their 'Transfer Funds From Bank' link.

How does one initiate a push from a bank to Vanguard?
by kevinf
Sun Feb 09, 2020 10:24 pm
Forum: Personal Investments
Topic: NTSX in taxeable
Replies: 3
Views: 521

Re: NTSX in taxeable

You gotta go all the way back to the previous locked thread to find it. It's basically equivalent to holding VTI in tax efficiency.
by kevinf
Sun Feb 09, 2020 7:15 pm
Forum: Personal Investments
Topic: NTSX in taxeable
Replies: 3
Views: 521

Re: NTSX in taxeable

viewtopic.php?f=10&t=302218

TL;DR... NTSX is very tax-efficient.
by kevinf
Sat Feb 08, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11542

Re: Cybersecurity and passwords

I have found this thread very useful and I have a question - if a hacker steals the password database of a company, it appears that what they get is a collection of encrypted passwords (provided the company was not foolish enough to just store the passwords unencrypted). And then what I understand ...
by kevinf
Sat Feb 08, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall
Replies: 20
Views: 1119

Re: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall

So, I can wire my PC directly to the Optical Network Terminal (termination point for fiber connection) and my PC will get assigned a real(public) internet IP address. I'm not paying for a static IP, but the IP address seem to stay the same over long periods of time. So, the main difference is that ...
by kevinf
Sat Feb 08, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5585

Re: Anyone watch the Amazon series “The Expanse”?

It's a strongly character driven show, so if you don't find yourself interested in the character dynamics you aren't going to be nearly as engaged. The plot is there in service of the human element, rather than the human element driving the plot.