Search found 549 matches

by Finridge
Wed Feb 13, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 58
Views: 5581

Re: Thoreau Simplify

...If you have built castles in the air, your work need not be lost; that is where they should be. Now put the foundations under them... Yes, I actually noticed that line myself when reading Walden. It's interesting, because in every edition of A Random Walk Down Wall Street , Burton Malkiel, descr...
by Finridge
Wed Feb 13, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 58
Views: 5581

Re: Thoreau Simplify

...If you have built castles in the air, your work need not be lost; that is where they should be. Now put the foundations under them... Yes, I actually noticed that line myself when reading Walden. It's interesting, because in every edition of A Random Walk Down Wall Street , Burton Malkiel, descr...
by Finridge
Wed Feb 13, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3844

Re: Recommendation for home gym (limited space)

Consider getting some PowerBlock adjustable dumbbells. Like this:

https://www.youtube.com/watch?v=q9eFSjKVE64

You can do almost everything with dumbbells and these take hardly any room.

There are some other adjustable dumbbells on the market, but these are probably the best.
by Finridge
Wed Feb 13, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 60
Views: 3844

Re: Recommendation for home gym (limited space)

Consider getting some PowerBlock adjustable dumbbells. Like this:

https://www.youtube.com/watch?v=q9eFSjKVE64

You can do almost everything with dumbbells and these take hardly any room.

There are some other adjustable dumbbells on the market, but these are probably the best.
by Finridge
Wed Feb 13, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5436

Re: What Happens If You Ignore Being Served a Lawsuit?

Posting on a residence can be proper service depending on the jurisdiction, judge, etc. Proper service or not, if your relative doesn't respond they could be subject to a default judgement. At best they could then appeal the judgement. In my mind it is much better to get out ahead of the judgement ...
by Finridge
Wed Feb 13, 2019 2:24 am
Forum: Personal Consumer Issues
Topic: What Happens If You Ignore Being Served a Lawsuit?
Replies: 68
Views: 5436

Re: What Happens If You Ignore Being Served a Lawsuit?

I was recently served with a lawsuit posted on my door for an auto accident over a year ago. What If I don't respond and ignore it? What would most likely happen, and how long would it take for something to happen? What will most likely happen? Both good things and bad things. Let's start with the ...
by Finridge
Tue Feb 12, 2019 4:14 am
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1151

Re: Black Fly Protective Head Gear

Whatever you end up getting, make sure to supplement it by also using permethrin and/or DEET. Permethrin works best if you build up a "critical mass" by applying it to a lot of your clothing/fabrics. If you do some research, you can find 10% solutions on Amazon that are suitable for use if properly ...
by Finridge
Tue Feb 12, 2019 4:10 am
Forum: Personal Consumer Issues
Topic: Employer Arbitration vs. Court
Replies: 14
Views: 1197

Re: Employer Arbitration vs. Court

Looking for some insights or if anyone is familiar with the following. My employer just sent out an email to all employees wanting us to sign a mandatory Mutual Arbitration Agreement. "The Mutual Arbitration Agreement is an agreement to arbitrate a claim between you and the company (as opposed to g...
by Finridge
Sun Feb 10, 2019 3:33 am
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 58
Views: 5581

Re: Thoreau Simplify

The single most important thing I have done to simplify life is to become a miser with my attention. Today, one's attention is one's time is one's life. Reading non-fiction books has replaced much of the time wasted previously. I have structured my investments, personal finance, and microeconomics ...
by Finridge
Fri Feb 08, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10614

Re: Money saving move you regret the most?

I've done things the q-tip thing. I once bought the Target version of the Gillette razors and they were rough on my skin and not the same. I've done the same with other hygiene/household products too. If the product isn't great but you can still use it, no harm no foul. For me it would be all the y...
by Finridge
Fri Feb 08, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4087

Re: Seller is an expert, but may be lowballing themself, advice?

A lot of people who are in a niche business that involve things like instruments, art, techniques are not in the business just to make money--they are often connoisseurs of the art and craft. And as such, the placing of one of their "treasures" into the hands of someone whom they think appreciates a...
by Finridge
Fri Feb 08, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Chromebook no longer receive updates
Replies: 5
Views: 565

Re: Chromebook no longer receive updates

It no longer will receive software updates. The last update was in June 2018. I am guessing that is why there are so many of these Chromebooks hitting the used Chromebook market. Look at the instructions here on this Google web page. It includes instructions both on how to manually update the OS, a...
by Finridge
Thu Feb 07, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Bose 301
Replies: 44
Views: 2624

Re: Upgrade from Bose 301

Bose 901's.

But if you are happy with the 301's, then why upgrade?
by Finridge
Thu Feb 07, 2019 3:07 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 83
Views: 4902

Re: What Tech Gadget Would you Buy?

I see tech items as tools for either having fun or getting things done. I assume this is fun--so what do you like to do for fun? Figure this out, and then figure out what tech gadget is the best fit... Otherwise, if you are buying something for the sake of buying something, just got down to Best Buy...
by Finridge
Wed Feb 06, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: FamilyTreeDNA Admits to Sharing Genetic Data
Replies: 53
Views: 2805

Re: FamilyTreeDNA Admits to Sharing Genetic Data

One advantage of getting genetic testing done is that it allows you to prepare financially if you are at significantly higher risk for various medical conditions. For example, there is a genetic variant that greatly increases the chances that its carriers will develop early-onset Alzheimer's.There i...
by Finridge
Tue Feb 05, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 9821

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

hey its OP here. so i just got a call from Geico saying that the lady who backed into my car is denying that anything happened and that they want me to call them back to give a statement. should i even call them back at this point? My insurance, Amica, has already given me an appraisal for $450 and...
by Finridge
Tue Feb 05, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Any major differences between the cordless water flosser and the ones that sits on counter?
Replies: 7
Views: 571

Re: Any major differences between the cordless water flosser and the ones that sits on counter?

Since you have to use either (cordless our counter version) while leaning over the sink, I didn't see any advantage to using the cordless at home. I think the cordless was intended for traveling, but I don't bother with it.
by Finridge
Tue Feb 05, 2019 7:42 pm
Forum: Personal Investments
Topic: Making a 3.8 million deposit
Replies: 96
Views: 10425

Re: Making a 3.8 million deposit

I'd skip the banks entirely and just put ALL the money at Vanguard to start with. You don't need FDIC insurance if you put the money into T-Bills. I don't think you need FDIC insurance if you put the money into a US Treasury money market fund. After all, the US Treasury is the backstop for the FDIC...
by Finridge
Tue Feb 05, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Direct download of tax forms from Vanguard to Turbo Tax
Replies: 14
Views: 1889

Re: Direct download of tax forms from Vanguard to Turbo Tax

All of my Vanguard tax forms are available except for one brokerage form. If I import the currently available forms into Turbotax now, will this cause issues later when I try to import the missing form? Should I wait until all forms are available?
by Finridge
Fri Feb 01, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 41
Views: 1901

Re: Need Objective Mattresses Ratings and Reviews

An industry that is intentionally deceptive, with models that are unique to stores to make comparisons difficult, just like appliances. Not a fun time, and most people have no clue so their subjective assessment is worthless. This is what we found when were searching for a new mattress. The usual t...
by Finridge
Thu Jan 31, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 9821

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

So about three weeks ago some lady backed into my car while i was at a stop light. the damages were relatively minor, quoted for 500 or so as my bumper popped out a little and there were some scratches. she asked me if i would go outside of insurance and i said i would, so i got a quote about a wee...
by Finridge
Thu Jan 31, 2019 8:20 pm
Forum: Personal Investments
Topic: What would you do with 100k inheritance.....
Replies: 17
Views: 1806

Re: What would you do with 100k inheritance.....

The biggest challenge is probably not what she invests it in, but just making the decision (and sticking with it!!!) to invest the funds and not blow through them. The fact that she currently does not, at age 62, have any savings whatsoever--that fact is very troublesome. If I were in her shoes, I'd...
by Finridge
Thu Jan 31, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9517

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

We had this problem and had the same concerns. What will work is a doggie door that provides entry directly into a kennel. You can make it fully enclosed (adding a roof) if you want. This way your dog can't access the whole yard, and you need to worry about other animals (or people) using the doggie...
by Finridge
Thu Jan 31, 2019 4:21 am
Forum: Personal Consumer Issues
Topic: When selling just isn't worth it
Replies: 24
Views: 2522

Re: When selling just isn't worth it

Selling used stuff is not a good way to get out of debt, especially if it is stuff you use and care about.
by Finridge
Wed Jan 30, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: What's the current, best way to source decent eyeglasses (frames & lenses)?
Replies: 26
Views: 2235

Re: What's the current, best way to source decent eyeglasses (frames & lenses)?

Tons of posts here about buying online from cheap yet shockingly good places like Zenni optical and others. While you can't try them on before you buy, you can easily buy a cheap 'test' pair for <$50 (sometimes <$25!!) that you can at the least use as a backup emergency pair even if the fit is terr...
by Finridge
Tue Jan 29, 2019 5:14 pm
Forum: Personal Investments
Topic: Finally thinking about making the switch from Vanguard to Fidelity
Replies: 43
Views: 5323

Re: Finally thinking about making the switch from Vanguard to Fidelity

Good morning. My wife and I currently have all of our Roth IRA money in the Retirement 2040 Fund with Vanguard. I am a creature of habit and I actually do like Vanguard a lot. However, it no longer seems like Vanguard is far and away the best company out there (which I've always heard). I am tempte...
by Finridge
Tue Jan 29, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: More efficient way to move funds from Vanguard to Fidelity?
Replies: 10
Views: 902

More efficient way to move funds from Vanguard to Fidelity?

I have a Vanguard portfolio, but in order to not have "all my eggs in one basket", I am also building up a Fidelity portfolio. So when funds become available on Vanguard (dividends, etc.) I'll sometimes move them over to Fidelity and invest them in their newzero funds. This is how I've been moving f...
by Finridge
Mon Jan 28, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 24940

Re: What lifestyle creep made you happier?

I can't do that because I went to school till I was 31. But to play your game lets say 5 years out of school at 36: #1) I could have retired much sooner if we bought a smaller more reasonable house without a pool. That alone is worth an extra $20k/yr in expenses as compared to a more reasonable hou...
by Finridge
Fri Jan 25, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the "last" car before electric vehicle
Replies: 52
Views: 4418

Re: Thoughts on the "last" car before electric vehicle

The one I'd go with is the one you said you are unlikely to get--the Suburu Outback. If you expand your options to include small/medium SUV's you will have a lot more choices. And I think you should test-drive some of the SUV's before you make any final decisions. SUV's now are not what SUV's were i...
by Finridge
Fri Jan 25, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Waterpik
Replies: 28
Views: 2481

Re: Waterpik

I also use the max.
by Finridge
Thu Jan 24, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040749

Re: What Book Are You Currently Reading? Part VI

I read "Small Fry: A Memoir" by Steve Jobs' first-born child, Lisa Brennan-Jobs. This is the daughter who Steve Jobs infamously denied paternity of (even after this was confirmed via a DNA test) and was supported by welfare even while Steve Jobs' net worth increased to hundreds of millions of dollar...
by Finridge
Wed Jan 23, 2019 12:19 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8149

Re: What is a Boglehead funeral/burial?

Let's not confuse "cheap" with "value." A bicycle is not a Boglehead automobile. Rather, I think a Boglehead funeral would be one where you determine in advance what kind of ceremony is consistent with your values and desire and then you plan that ceremony at the lowest cost within reason. Investing...
by Finridge
Sun Jan 20, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5239

Re: Is California worth the premium?

California is a big state. Many people think of places like "The OC" and "90210", when they hear "California"--high-priced coastal California. But like I said, it's a big state, and you don't have to leave it to get into "flyover country." There are places in California where you can still buy a hou...
by Finridge
Sat Jan 19, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1690

Re: Using carry-on for traveling locally?

Jimmie wrote:
Tue Jan 15, 2019 8:16 pm

No matter what bag you choose, get some "packing cubes". You can Google it.


This! Using these is a bigger game changer than what bag you use.
by Finridge
Wed Jan 16, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49241

Re: John Bogle is dead at 89

I just saw the news on front cover of The Wall Street Journal--fittingly covered given John Bogle's enormous contributions to American investors--and immediately came here to pay my respects. Mr. Bogle's contributions to the investing community, and to me personally, are beyond measure. I am gratefu...
by Finridge
Mon Jan 14, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040749

Re: What Book Are You Currently Reading? Part VI

I just finished The Obesity Code. Fantastic book. Highly recommended. Great thread here. I use it to build my reading list. Well done everyone. I also recently finished The Obesity Code. Makes a lot of sense. Too bad at the moment my fridge is the fullest it gets, so fasting will have to wait for 2...
by Finridge
Mon Jan 14, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 56
Views: 4819

Re: Should I get umbrella liability insurance?

You would need to check the laws in your state, but in my state, California, my 401k would be protected in bankruptcy and against all creditors; an IRA does not have the same level of protection. Also, in California, there is a certain amount of house equity that is protected in a bankruptcy situat...
by Finridge
Mon Jan 07, 2019 4:47 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040749

Re: What Book Are You Currently Reading? Part VI

Just finished Educated: A Memoir by Tara Westover. It was named by New York Times one of the ten best books of 2018. In my opinion it is the best book published in 2018. I was very impressed with this memoir of woman who was raised by survivalist parents in Idaho and never attended school until she...
by Finridge
Fri Dec 21, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Question re HSA account transfer to Fidelity
Replies: 1
Views: 251

Question re HSA account transfer to Fidelity

Fidelity now has no-fee individual HSA accounts. I have an account at HealthSavings Administrators, which has relatively high fees. I have been using the account as a sort of "stealth" IRA. I have been making the maximum possible contributions and have not made any withdrawals at all. Rather I am ju...
by Finridge
Mon Dec 17, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Inadvertent disclosure of personal info by a lawyer
Replies: 18
Views: 2792

Re: Inadvertent disclosure of personal info by a lawyer

I'd want to know what were the specific circumstances that the inadvertent disclosure was made, and how did the clients find out. This.Also especially want to make sure that the lawyer followed up by personally spoke to the former client about it and confirmed that they did indeed delete the inform...
by Finridge
Mon Dec 17, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8295

Re: When has being frugal or cheating out bit you in the rear?

For me, it's paralysis by analysis. When I'm buying anything (whether a product or service) I want the best possible, and at the best possible price. In other words, I am a maximzer, not a satisficer. The plus side of this is when I do pull the trigger on the purchase, I'm almost always very happy w...
by Finridge
Mon Dec 17, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040749

Re: What Book Are You Currently Reading? Part VI

Since requiring reading glasses, I have concluded that reading is vastly over-rated and watching television is vastly under-rated (considering comfort and volume of information transmitted per hour). Get an e-reader (I recommend the Kindle Paperwhite, latest version.) You will rediscover your love ...
by Finridge
Fri Dec 14, 2018 3:29 pm
Forum: Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1236165

Re: For those waiting for a 'correction' ...

"Buy high, sell low" market timing... So easy in principle, so hard (impossible) in practice. I suspect that most who where scared when the market was rising because it was "too high" will be even more scared now. (I am typing this just after reviewing my portfolio to "time" some tax harvesting. I k...
by Finridge
Thu Dec 13, 2018 12:57 am
Forum: Personal Finance (Not Investing)
Topic: How Much Is Enough?
Replies: 41
Views: 24778

Re: How Much Is Enough?

Hello, I have been struggling with the question of "how much is enough"? My younger self would say "always go for the max". Now I am older, I don't think that is the answer. I am in my mid-30s, married....both are working professionals and maxing out all retirements accounts....1 child so far...did...
by Finridge
Thu Dec 13, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Lyft driver got into an accident, but denies it
Replies: 71
Views: 5779

Re: Lyft driver got into an accident, but denies it

I put this in with returning a car. Getting a picture at the time might help. Never thought about it, and like you probably wouldn’t have known to do so. Um, wow I guess you need to get info in such cases: Make sure to get the following information: Your Lyft/Uber driver’s name, address, and phone ...
by Finridge
Wed Nov 28, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: A lot of us expected a US stock "pull back" is this it?
Replies: 61
Views: 8634

Re: A lot of us expected a US stock "pull back" is this it?

Trying to market time much?

Nobody knows if "this is it". Nobody. Including myself.
by Finridge
Tue Nov 27, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3577
Views: 1040749

Re: What Book Are You Currently Reading? Part VI

but already understand that Harari is speculating I stopped reading his first book about 2/3 of the way through. It was filled with a lot of speculation. I'm only about 15% into this book and not impressed so far. Like you say, it has a lot of speculation. It's not bad--just not up to the expectati...
by Finridge
Tue Nov 27, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 55006

Re: Name something you had to have and now you regret purchasing it?

All 5 levels of Rosetta Stone Spanish. Only used a fraction of the first level before we decided that we liked (free) DuoLingo better.
by Finridge
Mon Nov 26, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15363

Re: Black Friday 2018

Got some great bargains on some moderately expensive items that I need to purchase anyway. That's the approach I take. I'm only going to buy things on sale that I would have bought anyway, even if not on sale.