Search found 3929 matches

by iceport
Sun Sep 23, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Consumer Cellular would be $35/mo. for 3 GB. $45/mo. for 5 GB https://www.consumercellular.com/Plans Yeah okay. That's looks good. I don't know anything about their coverage or speeds, but Wirecutter gives them a positive review: https://thewirecutter.com/reviews/best-wireless-carrier/ Thanks. I've...
by iceport
Sun Sep 23, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi. I don't realize much. :wink: But I am assuming that tracking (recording) horizontal and vert...
by iceport
Sun Sep 23, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

The DxOMark ratings have me seriously considering an HTC U12+ now...

https://www.htc.com/us/smartphones/htc- ... color=blue

This is turning out to be exactly the major shopping project I was hoping to avoid by just plucking the top-of-the-line option. :|
by iceport
Sun Sep 23, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi. I don't realize much. :wink: But I am assuming that tracking (recording) horizontal and vert...
by iceport
Sun Sep 23, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Google Fi is intriguing, but it might prove a tad expensive. I still have no idea — whatsoever — how much data I'll consume, but a friend advised me that 3GB will not be enough for me. So Fi would cost you $50/month. What plan are you considering that would be cheaper for 3GB of data? And will you ...
by iceport
Sun Sep 23, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

A great Boglehead approach would be to get Google Fi phone service with a Moto X4 Android One phone ($250 from the Fi website). This is what I have, and it is a great phone with an excellent camera. I especially like the ability to get phone service over WiFi when I'm deep inside a building. I have...
by iceport
Sun Sep 23, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

I can't remember when the last time I dunk my phone in water (literally never...). The repairability score is not a issue I care about; ask long as the phone has easy access to the battery after back plate opening. It's a simple battery swap. I am only giving you the most economical option, which i...
by iceport
Sun Sep 23, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Oh, and thanks for the several tips to be careful about data consumption. I will certainly be starting at the bottom of a steep learning curve...
by iceport
Sun Sep 23, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

The S9+ was my initial interest. The smaller size, better durability (according to Consumer Reports) and lower cost of the S9 might be a better trade-off, and it's one of the cheaper, possibly more suitable options the article you linked mentions. It seems I could get one for $620 from B&H Photo, i...
by iceport
Sun Sep 23, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Baterry replacement is not a problem, you can get one for about $10. They are dirt cheap and easy to replace, takes about 15-30 mins to do. I replace mine twice already (heavy mobile gamer). One of the phone I replace it with 10,000 mah battery, now it last 3x as long. I don't have to charge my pho...
by iceport
Sat Sep 22, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Sure, yesterday OP was using a flip phone, today, he needs 1TB memory, water carbon cooling, S pen with remote, Bixby, DEX dynamic PC, Knox security, etc. Just to be clear, I'm not considering the Note 9. The S9+ was my initial interest. The smaller size, better durability (according to Consumer Re...
by iceport
Sat Sep 22, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

OP here again... Thanks for all the continued comments. I am eagerly reading all of them and greatly appreciate your taking the time to help. So far, the predominant comment is some version of saying that the Galaxy S9+ (or a competitor's flagship equivalent) costs more than I need to spend for my p...
by iceport
Fri Sep 21, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

OP here...

Thank you — EVERYONE — for your thoughtful replies. I can't respond to all of you individually, but I really do appreciate your experience and detailed advice. I will carefully consider all of it!
by iceport
Fri Sep 21, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

(My old compact point-and-shoot was actually very good, except in low light. I expect the phone will be an upgrade in that regard. I found myself not missing the old film slr when I went digital, so I expect a quality phone camera will serve my needs well.) taking videos Just about any smart phone ...
by iceport
Fri Sep 21, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Jack FFR1846 wrote:
Fri Sep 21, 2018 2:15 pm
$800 for a phone?! I hope there's a 5 year old Civic attached to it.
8-)
by iceport
Fri Sep 21, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

bob60014 wrote:
Fri Sep 21, 2018 1:57 pm
The S9's will be dropping in price soon as the new model will be coming out. If interested in them, do you need the 128gb model? It does have a card slot, if needed.
Good to know. Any idea of the timing?
by iceport
Fri Sep 21, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

The Samsung phone seems like way over-kill. You have to ask yourself what $800 is buying you? Do you play games on your phone? Watch movies? Talk for hours on end? The Samsung S9 is a very nice phone but maybe overkill for someone just getting in the game. How about buying something like a Moto E5 ...
by iceport
Fri Sep 21, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Cricket Wireless a $499 deal for the S9. Great plans and AT&T coverage. Pretty tough to beat on the phone itself. Good luck with which ever option you choose. Total Wireless is another Verizon MVNO that has reasonable plans. I only go with Verizon or AT&T. Thanks for the other options, bloom2708.
by iceport
Fri Sep 21, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Would it be possible for me to use my landline phone number for this phone? Yes. You can port a land line number over to a wireless carrier. It will take at least a few days to do it. Otherwise you can get a new number with little to no delay. Thanks! Would that involve abandoning my landline, or c...
by iceport
Fri Sep 21, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

Re: My Very First Smartphone — Please Critique This Plan

Would it be possible for me to use my landline phone number for this phone? Yes. You can port a land line number over to a wireless carrier. It will take at least a few days to do it. Otherwise you can get a new number with little to no delay. Thanks! Would that involve abandoning my landline, or c...
by iceport
Fri Sep 21, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 102
Views: 4686

My Very First Smartphone — Please Critique This Plan

Hi all, Well, it seems my day of reckoning has finally arrived: I've decided, at 56, to join the rest of the connected world and purchase my very first smartphone. :shock: I'm not a big talker, having relied on a TracFone flip-phone for use exclusively in the car. However, now in my second year of r...
by iceport
Fri Sep 14, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - wash sale rule
Replies: 57
Views: 3171

Re: Tax loss harvesting - wash sale rule

Well — and this is absolutely true! — I was just notified by a recorded voice message that the IRS has issued a warrant for my arrest and my property is being monitored. Crime just doesn't pay... :wink:
by iceport
Fri Sep 14, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - wash sale rule
Replies: 57
Views: 3171

Re: Tax loss harvesting - wash sale rule

I think the IRS originally got it right when they said two different mutual funds can not be substantially identical. They should have left that guidance in the documents and left it at that. To broadly say to mutual funds that track the same index are substantially identical is false and we know t...
by iceport
Fri Sep 14, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - wash sale rule
Replies: 57
Views: 3171

Re: Tax loss harvesting - wash sale rule

I think the IRS originally got it right when they said two different mutual funds can not be substantially identical. They should have left that guidance in the documents and left it at that. To broadly say to mutual funds that track the same index are substantially identical is false and we know t...
by iceport
Fri Sep 14, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 6505

Re: Wash sale question- are ITOT and VTI Substantially Identical?

Despite the confidence with which the above opinions are asserted, they are open to dispute. A previously posted legal review provides examples of other conclusions being drawn. It seems to me that, if we follow the Bigfoot and the chupacabra analogy to its conclusion, some are arguing that the wash...
by iceport
Wed Sep 12, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 6505

Re: Wash sale question- are ITOT and VTI Substantially Identical?

The "wash sale" for selling purchasing non-identical mutual funds is the Bigfoot or Chupacabra of Bogleheads.org. No-one has ever provided a single shred of evidence that the IRS has denied a loss from buying one mutual fund within 30 days of selling another mutual fund. This is an extremely flawed...
by iceport
Wed Sep 12, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4518

Re: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]

I would say the issue is not with the portfolio at all, but rather with the investor behavior that always hitches a ride on its coattails. No need for "shaming". Investor behavior has a far greater impact on investing results than the most cleverly designed portfolio ever could. Reality doesn't car...
by iceport
Sat Sep 01, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 283
Views: 27318

Re: U.S. stocks continue to soar!

Actually stocks here in the US have been pretty much running in place since January. My portfolio still never quite got back to its all time highs. The stock market was great again in 2017 but not so much in 2018. This is also tempered by the fact that bonds are slightly down for the year. Most por...
by iceport
Sat Sep 01, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Zweig Intelligent Investor
Replies: 3
Views: 815

Re: Zweig Intelligent Investor

You can avoid the paywall entirely with the PDF version (scroll down): http://online.wsj.com/public/resources/documents/print/WSJ_-B002-20180901.pdf This part about the Tactical Income Fund was humorous, at least to someone who doesn't seek to outperform the market with actively managed funds: The T...
by iceport
Thu Aug 30, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Early retirement and withdrawal strategy for retirement accounts
Replies: 26
Views: 3021

Re: Early retirement and withdrawal strategy for retirement accounts

Remember that just because you withdraw money from tax-deferred accounts, whether SEPPs or RMDs, you are not required to spend any of your withdrawals. If I were setting up SEPPs, I would gravitate (apart from tax issues) toward the method that will allow for the largest withdrawals. Unneeded money...
by iceport
Thu Aug 30, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Electric Fuse Question
Replies: 11
Views: 547

Re: Electric Fuse Question

You now know that a Type S fuse is what you need, correct? And you are wondering if a fuse rated "SL" will be OK to use in place of one rated "S". This site explains that an "SL" rating is a little lighter-duty, and has a shorter time delay. That means that it is fine to use it, but it might blow mo...
by iceport
Tue Aug 28, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11278

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Often misunderstood: "tax-deferred account" It seems that investors frequently fail to understand the full magnitude of the tax advantage of these tax-advantaged accounts . They focus first on the initial tax break, and then on the fact that they'll owe taxes on a large sum later, never realizing th...
by iceport
Tue Aug 28, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: In Need of Some Good Advice
Replies: 10
Views: 1035

Re: In Need of Some Good Advice

Thanks iceport. After thinking it through, I made some changes to my post. I've upped the international exposure to 30%. I've also taken out reference to the money I have sitting in a money market. I should have never included that in the first place. It isn't for retirement. It's a combination of ...
by iceport
Tue Aug 28, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: In Need of Some Good Advice
Replies: 10
Views: 1035

Re: In Need of Some Good Advice

Hello everyone. I'm new to the forum but have been lurking for some time, and I'm in need of some Boglehead investment advice. Welcome Daubert1013! I'm looking to approximate a standard 3 fund portfolio (something similar to the Vanguard Total Stock Market Index, Total International Index, and Tota...
by iceport
Fri Aug 24, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Buying a used Subaru
Replies: 16
Views: 1861

Re: Buying a used Subaru

Read up on the head gasket and oil consumption issues of past and somewhat recent models. Yes. The former could lead to a major expense if a head gasket is leaking a lot, though they can run for extended mileage with just minor seepage. Definitely inspect the head gaskets, or have an independent me...
by iceport
Fri Aug 24, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5359

Re: Test your cognitive biases

I also scored in the top quartile. Though I must admit, I took it twice. The first time was in the middle of the night during a bout with insomnia. I took it again the following afternoon because I though I put the answer to the first question in the wrong form (decimal percent rather than a whole n...
by iceport
Fri Aug 24, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Good bond duration for low risk, younger investor
Replies: 16
Views: 1224

Re: Good bond duration for low risk, younger investor

From a diversification point of view a TIPS fund is probably best -- equity & TIPS portfolio. However TIPS have a lot of price volatility. Everything is relative. TIPS are more volatile than other bonds, but that volatility pales in comparison to the extreme kind of equity volatility bonds are inte...
by iceport
Thu Aug 23, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Prop Taxes - No mortgage
Replies: 20
Views: 2494

Re: Paying Prop Taxes - No mortgage

Thoughts? Anyone do anything different? MattyFu, The only thing I do differently is that I hold the insurance payment in the same account. Otherwise, that's the same basic thing I do. My credit union offers a spare interest-bearing account, and I use it for the house taxes and insurance exclusively...
by iceport
Thu Aug 23, 2018 12:41 pm
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 2585

Re: Rating system for posts/posters ?

Whoa !! 40 posts in 12 hours !! Hope admins are noticing the interest . To be fair, most of the comments are going against your suggestion or are merely chatter (like this post), there are only 3 or so comments out of the 40+ agreeing with or suggesting something similar to what you said. Seriously...
by iceport
Thu Aug 23, 2018 1:17 am
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 111
Views: 8879

Re: Why the Yale Endowment Hate? [Request for portfolio help]

What is the general consensus on small-cap value? I understand that they're a good investment to have if you're looking for a little higher risk-reward. And I'm specifically referring to a tilt (5-10%) in that direction. Someone else pointed out that a total stock market fund will obviously include...
by iceport
Wed Aug 22, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc Question
Replies: 11
Views: 1026

Re: FireCalc Question

I understand the issue now though - increased variance with decreased samples. I'm no statistician, but I think you were seeing the effect of losing the 5 specific retirement sequences you cut off — which were all very bad — when you increased the retirement length by 5 years, rather than any effec...
by iceport
Wed Aug 22, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: The futility of stock market forecasts
Replies: 8
Views: 1176

Re: The futility of stock market forecasts

Pesky market... it didn't obey the resistance lines like it's supposed to... http://i68.tinypic.com/wv47wp.jpg ...and now unsuspecting investors will get crushed, like lambs to the slaughter... http://i66.tinypic.com/j8zn01.jpg ...unless you follow Ted and Robert Bauman, Banyan Hill and the Sovereig...
by iceport
Wed Aug 22, 2018 1:39 pm
Forum: Forum Issues and Administration
Topic: Is tinypic.com Down for Anyone Else?
Replies: 3
Views: 426

Re: Is tinypic.com Down for Anyone Else?

Silk McCue wrote:
Wed Aug 22, 2018 11:57 am
It’s been down for almost 19 hours.

http://www.isitdownrightnow.com/tinypic.com.html

Cheers
Thanks! I bookmarked that site for future use.

BTW, tinypic is back up now. Phew.
by iceport
Wed Aug 22, 2018 11:11 am
Forum: Forum Issues and Administration
Topic: Is tinypic.com Down for Anyone Else?
Replies: 3
Views: 426

Is tinypic.com Down for Anyone Else?

Or is it just me?

http://tinypic.com/

What is a good alternative that doesn't require registration?

Thanks!
by iceport
Wed Aug 22, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: FireCalc Question
Replies: 11
Views: 1026

Re: FireCalc Question

Go to firecalc Inputs: Spending - 80,000 Portfolio - 1,500,000 Years - 50 Outcome = 39.8% success Now if years are changed from 50 to 55, outcome = 41.9% success How does increasing the number of years increase the likelihood of success? My guess is that with the longer period, you reduced the numb...
by iceport
Wed Aug 22, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: The futility of stock market forecasts
Replies: 8
Views: 1176

Re: The futility of stock market forecasts

Bogleheads: If you still believe in market forecasts, read these headlines: New Evidence Proves Stocks Will Crash 70% Starting on August 1 Stocks End Higher As S&P 500 Touches All-time High (August 21, 2018) Best wishes. Taylor Great pair of conflicting headlines, Taylor! But here's my question to ...
by iceport
Tue Aug 21, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Determining ESG’s Nature
Replies: 10
Views: 672

Re: Larry Swedroe: Determining ESG’s Nature

The authors concluded their results indicate that “any benefit from incorporating ESG credentials into a portfolio is already captured by other well-defined and known equity factors. An ESG-tilted process does not deliver higher risk-adjusted returns.” While the evidence from Breedt, Ciliberti, Gua...
by iceport
Mon Aug 20, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Fund placement
Replies: 11
Views: 787

Re: Fund placement

If the bonds are in tax advantaged accounts, and at some point in the future the stock funds increased in value, you would need to rebalance. At that point, would you open a bond fund in the taxable account, so you could rebalance? You could. The problem with taxable bonds in a taxable account is t...
by iceport
Mon Aug 20, 2018 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Fund placement
Replies: 11
Views: 787

Re: Fund placement

Based on our 3 accounts, we would like your opinion on how to structure the allocations among the accounts. The way I see it, there would be just about enough room in both IRA accounts to hold only the bonds, and that would put all of the SWTSX & SWISX in the joint taxable account. I’m not sure tha...