Search found 3389 matches

by edge
Fri Oct 18, 2019 7:12 am
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 35
Views: 2209

Re: Does Fidelity have a performance view?

It is ridiculous. I suspect it is reflective of Fidelity’s use of performance reporting software that has account (or customer) based fees. I just called Fidelity. They said I should see the performance tab next week. Seems pretty ridiculous to restrict that feature and conveyed similar sentiments t...
by edge
Wed Oct 09, 2019 11:18 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15092

Re: How many are switching from Fidelity?

No intention to move
by edge
Tue Oct 01, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 3909

Re: Suggestions for good leather shoe?

Florsheim used to make incredible shoes but those days are long gone.
banhbao wrote:
Thu Sep 26, 2019 11:05 am
I'm a fan of Florsheim. There are a lot of different style options, and you'll find a ton of brogue wingtips. (You can try them on at Jos A. Bank, but check their website price as they offer free shipping and free returns.)
by edge
Fri Sep 27, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 259
Views: 21745

Re: IT compensation comparison

What do you think it does that is groundbreaking? There were extremely high end and costly software packages to do what it does. But high costs kept adoption low. Yes, writing code that can scale is a challenge. But really that’s something that market infrastructure type developers had to deal with ...
by edge
Thu Sep 26, 2019 3:53 am
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 259
Views: 21745

Re: IT compensation comparison

Kafka is not groundbreaking. It’s just convenient and free. There just isn’t anything particularly groundbreaking at linked in or Facebook etc etc. Most of Silicon Valley these days is business model innovation not tech innovation. Imo the interviewing and competitiveness has more to do with screeni...
by edge
Wed Sep 25, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 259
Views: 21745

Re: IT compensation comparison

There just isn’t anything particularly groundbreaking at linked in or Facebook etc etc. Most of Silicon Valley these days is business model innovation not tech innovation. Imo the interviewing and competitiveness has more to do with screening out the bottom 80% of the software development workforce ...
by edge
Fri Sep 20, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 259
Views: 21745

Re: IT compensation comparison

I think the point has been made but it’s worth noting again: software engineering isn’t really ‘IT’ (IT Ops, networking, Unix admin, etc).

I don’t think it’s correct to compare salaries across these and the skill sets aren’t exactly transferable to software engineering.
by edge
Tue Sep 10, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 15605

Re: Rich people are hoarding cash

Yup. Juxtaposed the 7 and 9
Bacchus01 wrote:
Tue Sep 10, 2019 7:25 am
edge wrote:
Tue Sep 10, 2019 7:14 am
No. It’s an increase of around 10%. Or an increase of 2.7 percentage points.
Richard1580 wrote:
Mon Sep 09, 2019 9:24 pm
27.2% to 27.9% is an increase of 2.5%. That is a rounding error.
I’m pretty sure you’re not looking at the numbers you posted.
by edge
Tue Sep 10, 2019 7:14 am
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 15605

Re: Rich people are hoarding cash

No. It’s an increase of around 10%. Or an increase of 2.7 percentage points.
Richard1580 wrote:
Mon Sep 09, 2019 9:24 pm
27.2% to 27.9% is an increase of 2.5%. That is a rounding error.
by edge
Sun Sep 08, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Who else offers an account like Fidelity Cash Management?
Replies: 19
Views: 2083

Re: Who else offers an account like Fidelity Cash Management?

No, the best feature was the use of VG MMF which was a good feature indeed. It would make a nice wiki article, possibly the first that discusses brokers but does not mention Vanguard in any way. :happy It would be mentioned. "Vanguard used to offer a similar product, Vanguard Advantage, which had ma...
by edge
Thu Sep 05, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2317

Re: Bamboo Flooring

I had teragren bamboo floors in the basement of a house I owned. 7.5 inch planks iirc. Looked great, performed great.
by edge
Tue Sep 03, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Old house with old flooring and no subfloor -- put new flooring on top?
Replies: 13
Views: 1325

Re: Old house with old flooring and no subfloor -- put new flooring on top?

Not a good idea imo. Any floor above will need to be glued or otherwise adhered, possibly nailed, all of which will damage your original flooring. A subfloor on top would need to be fastened as well

Plus it will be hard to keep transitions etc in good shape. You will lose ceiling height too.
by edge
Sun Sep 01, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6244

Re: Did humanity ever make good Gas cans

I have a metal eagle brand gas can. It wasn’t cheap for a 2 gallon can. It’s good.
by edge
Sun Sep 01, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Seeking WiFi solution
Replies: 35
Views: 2632

Re: Seeking WiFi solution

If you have FIOS, Verizon sells an extender that uses a contiguous network. It even blends frequency.
by edge
Thu Aug 29, 2019 9:13 am
Forum: Personal Investments
Topic: Leave BAM for Vanguard or Fidelity?
Replies: 61
Views: 4502

Re: Leave BAM for Vanguard or Fidelity?

What is your complaint about global real estate? Dfgex has been doing fine
by edge
Mon Aug 26, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1323

Re: Zelle at non-participating Bank/CU

We already do. Zelle has way more scope/scale/volume than pop money. Or Venmo for that matter. Way more.
jmorgans wrote:
Mon Aug 26, 2019 7:37 pm
Swimmer wrote:
Mon Aug 26, 2019 6:48 pm
What’s the difference between Zelle and PopMoney?
One is Betamax and the other VHS but we don’t know which is which yet.
by edge
Sun Aug 25, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1095
Views: 129706

Re: Fidelity as a one stop shop

Well yes...but his name needs to be on the account. I have the need to give a relative some money on a regular basis. I tried the bluebird card, but there are no atm fee free atms nearby. I was wondering if I could setup another cma account and fund it and give him the atm card. I use my current cma...
by edge
Sun Aug 25, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think about this $4M house idea?
Replies: 103
Views: 7675

Re: What do you think about this $4M house idea?

One of the worst deals in RE I’ve ever seen.
by edge
Fri Aug 23, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 5753

Re: Manager is Interviewing Candidates (External) before Job is posted

If you are reacting this way you might be toxic.

Relying on laws and policies like this is not how the world turns.
bigtex wrote:
Fri Aug 23, 2019 12:55 pm
TxAg wrote:
Fri Aug 23, 2019 12:48 pm
Take legal action? Seriously?

Maybe your attitude is a problem.
I guess I just thought there were some labor laws or something. My bad.
by edge
Fri Aug 23, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2193

Re: Lawn chemicals - any experts here?

It’s highly unlikely your lawn care company is spraying round up. If they were, your entire lawn would be dead.
by edge
Thu Aug 22, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Multi Streams of Income to Build Wealth?
Replies: 44
Views: 2673

Re: Multi Streams of Income to Build Wealth?

Many different ways to get wealthy. Most extremely wealthy people got there because they took highly undiversified risks.
by edge
Wed Aug 21, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2164

Re: Should I paint dark brown wainscotting?

Whether it bleeds or not is entirely dependent on the primer imo.


FI4LIFE wrote:
Wed Aug 21, 2019 5:20 pm
Paint it but don't be surprised if it takes several coats now and another one a year from now when the stain bleeds through. Still easier than the alternative.
by edge
Tue Aug 20, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2164

Re: Should I paint dark brown wainscotting?

If you paint, use a high quality primer. Don’t get cheap.

I prefer Benjamin Moore primers (ie fresh start).
by edge
Sat Aug 17, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10717

Re: Aliens have captured my husband [wants to buy a Porsche]

You could do worse in terms of reliability but Porsche’s are not inexpensive to maintain.
by edge
Fri Aug 16, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7625

Re: Use Vanguard MM Prime for cash rather than local bank?

Because you can do it at Fidelity with better rates and more convenience. Why not get an online savings account from a bank that also has online checking (Ally Bang, Capital One 360, Alliant, Discover) where you can instantly transfer between savings to checking to pay urgent bills if needed (or do ...
by edge
Fri Aug 16, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7625

Re: Use Vanguard MM Prime for cash rather than local bank?

True, the yield difference on the basic MMs is in VGs favor. But because VG no longer has bank functionality it makes it highly inconvenient to use their MMFs as a bank account. Fidelity's is both convenient and high yielding. And if you use the premium class the yield difference is narrow/non-exist...
by edge
Mon Aug 12, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8213

Re: No pay increase but increase in responsibility

I've observed that some companies are total jerks and will take advantage unless a healthy nudge is given from time to time. You should set the expectation that for a more senior appointment you anticipate being commensurately compensated assuming good performance. Meaning, it might not come immedia...
by edge
Sun Aug 11, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9159

Re: Critique my exercise routine because it's not working for me

Yes, building muscle is great for quality of life - feeling good / being healthy. But muscle weighs a lot too and the question was about how to lose pounds. Losing weight is almost entirely driven by diet. My opinion would go against popular belief here in this thread. From many years of tweaking di...
by edge
Sun Aug 11, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8213

Re: No pay increase but increase in responsibility

You should set the expectation that for a more senior appointment you anticipate being commensurately compensated assuming good performance.

Meaning, it might not come immediately, but it needs to come.
by edge
Fri Aug 09, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9159

Re: Critique my exercise routine because it's not working for me

Losing weight is almost entirely driven by diet.
by edge
Thu Aug 08, 2019 4:03 pm
Forum: Personal Investments
Topic: DFA (Dimensional) Portfolio Keep or Jettison?
Replies: 22
Views: 1599

Re: DFA (Dimensional) Portfolio Keep or Jettison?

I only use DFA for edge case scenarios (e.g. EM Value). I like the construction of their REIT and I use DFGEX. I don't use an advisor so I don't have that overhead. IMO it doesn't make sense to use them for everything due to costs (which although 'reasonable', are still relatively high) and over-foc...
by edge
Thu Aug 08, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 6591

Re: Schwab as a one stop shop

Fidelity wins because of the Cash Manager and convenience of getting MMF yields in checking.
by edge
Tue Aug 06, 2019 9:11 pm
Forum: Personal Investments
Topic: I still don't understand the value of a Backdoor Roth for high income earners
Replies: 63
Views: 6197

Re: I still don't understand the value of a Backdoor Roth for high income earners

Well ya. You would max out 401k before ROTH but high earners should take advantage of all good tax opportunities.
by edge
Mon Aug 05, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 45111

Re: Talk me out of buying a Tesla Model 3

This is really not confidence inspiring..., I am hesitant to buy one in locations with brutal winters. How is the battery life? Battery life should be fine in a well designed modern EV. The range in cold weather is the issue. Figure a 40%+ reduction in range and the range figures are very optimistic...
by edge
Mon Aug 05, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7637

Re: My Fido retirement meeting pushing me to SMA

Family owned and controlled business. ‘Shareholders’ is a highly awkward term to describe the fidelity ownership structure. That is the point Stinky was making; the shareholders are the Johnson family and the management team. How would you describe the Fidelity ownership structure? The whole point w...
by edge
Mon Aug 05, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7637

Re: My Fido retirement meeting pushing me to SMA

‘Shareholders’ is a highly awkward term to describe the fidelity ownership structure. Fidelity is owned by the Johnson family and it’s management team. Bronco Billy, I'm glad that you posted your questions. You're getting good advice from the members of the Forum. I had never seriously looked at Fid...
by edge
Sun Aug 04, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 45111

Re: Talk me out of buying a Tesla Model 3

I am hesitant to buy one in locations with brutal winters. How is the battery life?
by edge
Sun Aug 04, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7367

Re: Is our spending crazy?

You can afford it but it seems high. You should break it down and figure out whats driving it.
by edge
Sun Aug 04, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Annual review was disappointing, what should I do next?
Replies: 45
Views: 5461

Re: Annual review was disappointing, what should I do next?

To be frank, you might be deluding yourself. Deep down it appears you understand you have gaps/opportunities. I’ve led many people, large organizations. It never ceased to amaze me the mental gymnastics that mediocre performers play to convince themselves they are great/deserving/ready for the next ...
by edge
Sun Aug 04, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5069

Re: Are all models of Toyota generally considered reliable?

The most reliable Toyota is the Land Cruiser. The most reliable Lexus is the LX (Land Cruiser).

The next most reliable is probably not even close. The design approach to those models is completely different than the rest of their vehicles.
by edge
Fri Jul 26, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2793

Re: WiFi speed, is this normal?

My house is too large for a single AP. Once I got a second unit from Verizon and placed it on the opposite side of the house things worked.
by edge
Fri Jul 26, 2019 6:26 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7637

Re: My Fido retirement meeting pushing me to SMA

Fidelity is owned by the Johnson family and it’s management team. Bronco Billy, I'm glad that you posted your questions. You're getting good advice from the members of the Forum. I had never seriously looked at Fidelity, and was unaware of this particular service. Frankly, I'm disappointed that Fide...
by edge
Tue Jul 23, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: Alfa Romeo Giulia thoughts
Replies: 21
Views: 1747

Re: Alfa Romeo Giulia thoughts

Co-worker has one (top trim / engine version). Needed an entirely new engine in less then a year, obviously under warranty.

Lease, don’t buy.

I am looking at an m340i or less likely c43.
by edge
Mon Jul 22, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Car Leasing Question
Replies: 22
Views: 1528

Re: Car Leasing Question

lease companies are usually subsidiaries of the manufacturer. At times (or as part of an ongoing strategy), the lease company sets a very high residual (61% for example from BMW) to drive lower lease rates and more volume. Leasing is not a simple equation and buying and selling after 3 years is not ...
by edge
Thu Jul 18, 2019 10:11 am
Forum: Personal Investments
Topic: Where to put International ETF
Replies: 7
Views: 428

Re: Where to put International ETF

I put international stocks (like total international) in taxable before I put total us stock due to FTC.
by edge
Tue Jul 16, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 79
Views: 6844

Re: The Boglehead is anti-entrepreneur?

Being a boglehead and an entrepreneur are not dependent variables by necessity.
by edge
Tue Jul 16, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 46
Views: 4638

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

Can partial etf lots be sold easily? How does VG do in terms of handling tax lots for MF conversions to ETF? I have large taxable holdings in admiral funds. If I lose tax lot accounting or it gets messy, the conversion will not be worth it. Each MF lot is converted individually. So you'll have the s...
by edge
Tue Jul 16, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 46
Views: 4638

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

How does VG do in terms of handling tax lots for MF conversions to ETF?

I have large taxable holdings in admiral funds. If I lose tax lot accounting or it gets messy, the conversion will not be worth it.