Search found 1012 matches

by vitaflo
Sat Dec 15, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 148
Views: 10046

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

Interesting that this was ruled in Texas as Texas has the highest percentage of uninsured in the nation. In fact, Texas' percentage of uninsured right now is still higher than a vast majority of states were even before the ACA took effect. If you look at uninsured rates, Texas has always been the la...
by vitaflo
Sat Dec 15, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 148
Views: 10046

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Keeping it to my situation. I would be affected. Plan A would be to hope my state legislature steps in and does something. Since I live in California, that seems like a plausible thing to hope for. Plan B would be to go back to work. I’m only a couple of years away from working, and I still get con...
by vitaflo
Wed Dec 12, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 4909

Re: Volkswagen Reliability

I'll just say that VW's 6 year / 72,000 mile warranty on new cars is why I bought my GTI. Even if something does go bad, I'm not going to have to worry about it for a long time. Also, you're always going to find stuff wrong with even "reliable" brands. See the oil/gas dilution issue on Honda CRV's o...
by vitaflo
Wed Dec 12, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 46
Views: 5163

Re: New job, sales at Subaru

Don't drive potential customers crazy with follow up call after follow up call. I ended up buying my car from a sales woman who made little attempt to 'sell' me on a car. Rather just showed me around and answered questions if I had any. The rest of the time was spent just conversing over small-talk...
by vitaflo
Mon Dec 10, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6875

Re: Electric bill with LED

Depends how you heat: I'm not sure the point is really just about incandescent bulbs as a heat source. I mean we're talking about the cost/benefit of incandescent vs LED. If incandescent causes the furnace to turn on less often, then you need to account for that in the calculation of cost savings. ...
by vitaflo
Mon Dec 10, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7722

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Call us uncultured but neither of us seem to have much interest in Europe. Same probably goes for Asia. I wouldn't mind taking the Canadian rail trip from B.C. to the Banff area. Or re-visiting some things in the Southwest that fascinated me as a child ( Carlsbad Caverns etc ). Are we nuts? I think...
by vitaflo
Mon Dec 10, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14001

Re: Retired in your late 40s or early 50s?

Just curious anyone had read this book https://www.amazon.com/New-Retirementality-Planning-Living-Dreams/dp/0470255080 I have not finished it yet, but the theme of the book is to find a job that you love and work for ever Vs being in a job that you hate, wanting to get out early. There are some int...
by vitaflo
Sun Dec 09, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4036

Re: Rental Car Damage Issue

Hate to say it, but what solved my case was complaining to the rental car company on Twitter. I was getting nowhere until I did this. Their social media reps got in contact with the Regional Manager of my Metro area and the next day I got a call from him. Told my story, he believed me, and he droppe...
by vitaflo
Tue Dec 04, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: To add an international fund or not?
Replies: 21
Views: 1737

Re: To add an international fund or not?

tman9940 wrote:
Tue Dec 04, 2018 1:13 pm
I constantly ask myself this question. Sometimes, I am of the advice of JLCollins who says there is indirect exposure to international via VTSAX.
There is also indirect exposure to US via VTIAX. It goes both ways. As an argument for ignoring international, it's not a persuasive one.
by vitaflo
Tue Dec 04, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Can a three fund portfolio beat a fool?
Replies: 47
Views: 2898

Re: Can a three fund portfolio beat a fool?

Back in the 1990's I used to follow the Motley Fool when it was all free and as I recall they used to have a lot of good things to say about low cost index funds back then but that was in addition to promoting simple strategies like the "Dogs of the Dow". I actually learned about indexing and low c...
by vitaflo
Sun Dec 02, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Too Much Savings Regret
Replies: 112
Views: 16895

Re: Too Much Savings Regret

Are there any retired Bogleheads out there who sacrificed vacations/hobbies/personal enjoyment to focus on savings for retirement only to realize that you have more than enough money to get you through and now regret not spending more during your career? For the first 5 years of my consulting biz I...
by vitaflo
Sat Dec 01, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Municipal bonds -- 7% or 11.66%? What do you think?
Replies: 8
Views: 1223

Re: Municipal bonds -- 7% or 11.66%? What do you think?

He writes in a footnote at the bottom of page 81 (2002 paperback edition): You see alot of ads saying that, to a guy or gal in the 40% marginal tax bracket, a 7% tax-free bond 'is the equivalent of earning 11.66%.' Nonsense. A 7% tax-free bond is the equivalent of earning 7% -- and getting to keep ...
by vitaflo
Sun Nov 25, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering move to consultant?
Replies: 16
Views: 2094

Re: Electrical Engineering move to consultant?

http://i68.tinypic.com/i3te0o.jpg Wow, “engineering” entity rather than “consulting” entity, this is great input and at least allows us to ask the right questions in setting up the business. Note, this only applies if your taxable income is above $157,500 for individuals or $315,000 for married cou...
by vitaflo
Thu Nov 22, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Any users of "Open Broadcaster Software" or HandBrake?
Replies: 3
Views: 639

Re: Any users of "Open Broadcaster Software" or HandBrake?

If you don’t understand the terminology you’re going to have a hard time with OBS. But the simple answer is to reduce the bitrate or output resolution (or both).
by vitaflo
Thu Nov 22, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Electrical Engineering move to consultant?
Replies: 16
Views: 2094

Re: Electrical Engineering move to consultant?

Any general advice, heads up, etc? Any specific advice and budget cost experience on insurance needs if he were venture out on his own (especially “errors and omissions” insurance ) Been a consultant for almost a decade. General advice is the most important thing is your network, it has more of a b...
by vitaflo
Wed Nov 21, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about new 20% Qualified Business Income Deduction
Replies: 5
Views: 419

Re: Questions about new 20% Qualified Business Income Deduction

A secondary note on #2, if you're a sole-prop it also does not have any impact on the max one can contribute to a Solo 401k or SEP IRA (compared to previous years), however, contributing to one may lower your QBI deduction! This is because the QBI deduction is based on the lesser of your biz income ...
by vitaflo
Thu Nov 15, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5457

Re: fuel for snowblower

I always buy non-oxygenated gas for my small engines (that's what it's for) but there are plenty of stations near me that sell it. Not everyone is so lucky.
by vitaflo
Tue Nov 13, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29285

Re: [Financial] Habits of the Rich

- Have other people make money for you. I.e. own a business. Yup - this is key. You do need to have the right personality for this, though. Also, when things go south with a business with employees, money can evaporate much quicker than when losing a job, so need to be careful... Employees = risk. ...
by vitaflo
Tue Nov 13, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3941

Re: Recommend Chrome ad-blocker

Buy a Raspberry Pi and install Pi-Hole on it and use it as your DNS. You won't need browser extensions anymore and it will work with all software and devices. (note: technical skills required)
by vitaflo
Sat Nov 10, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Career/Life Advice Needed - When to start a business?
Replies: 20
Views: 1458

Re: Career/Life Advice Needed - When to start a business?

it is only 3 years, so you should wait and get the security first, then you can start a business with more of a lifestyle/passion project instead of the need to put food on the table, and 3 years will go by quickly once you have an end goal in mind, plus take all your vacation time before you leave...
by vitaflo
Fri Nov 09, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3107

Re: Should I reject Google drive for privacy/tracking?

How much time and cost needed for pi-hole setup? You can get a Raspberry Pi for ~$50. (https://www.amazon.com/Vilros-Raspberry-Clear-Power-Supply/dp/B01D92SSX6) Just buy a 16GB micro sd card for $5 and that's basically the entire cost. Time...doesn't take long but depends how technical you are. You...
by vitaflo
Fri Nov 09, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3107

Re: Should I reject Google drive for privacy/tracking?

Two follow up questions: 1. Does pi-hole offer any advantage over an ad blocker like uBlock Origin (it has a comprehensive list of filters) + Privacy Badger. 2. Wouldn't a VPN like NordVPN (with it's CyberSec feature) do the same thing as pi-hole? "it's fun to see Alexa try to call home to Amazon 2...
by vitaflo
Fri Nov 09, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3107

Re: Should I reject Google drive for privacy/tracking?

To answer your question, my intent in cloud storage: 1. Primary: a copy or duplicate of my computer data. In case my hard drive dies or OS becomes corrupt, I can re-download my data. 2. Secondary: a very light sync usage. Maybe once a month, I take a photo of a document on my phone and it appears o...
by vitaflo
Fri Nov 09, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3107

Re: Should I reject Google drive for privacy/tracking?

nor to tell Google to stop this. It sounds like you use a GMail address for Amazon, airlines etc. Consider setting up a separate email address with another provider. Shift all this commercial traffic to one or more alternate email addresses. Install a second browser and do all your commercial activ...
by vitaflo
Fri Nov 09, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3107

Re: Should I reject Google drive for privacy/tracking?

Are you using gDrive for backup? I wouldn't, it's not a backup service. As others have said, if it's free, then you're the product, not the customer. Of course they're data mining everything you put out there. This includes all your photos and what's in them (Google has some pretty good image recogn...
by vitaflo
Thu Nov 08, 2018 12:25 am
Forum: Investing - Theory, News & General
Topic: Do people calculate savings rate on gross income?
Replies: 118
Views: 7485

Re: Do people calculate savings rate on gross income?

In the FIRE thread I saw some people quoting numbers on savings rates and how it's impossible to save 75% if you pay 25% in tax. Is this the general way people express their savings rate? In terms of gross income? I've always assumed people were talking about net income. If you're not counting tax ...
by vitaflo
Thu Nov 08, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: User friendly multi-asset rebalancing spreadsheet/program?
Replies: 6
Views: 687

Re: User friendly multi-asset rebalancing spreadsheet/program?

Anyone have any suggestions or links of any spreadsheets that are good for customizing/including the sub asset classes? My excel skills are novice at best. I would invest the time to learn it if you want to micro-manage your investments as much as you do. I'd also suggest learning Google Sheets, as...
by vitaflo
Wed Nov 07, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8295

Re: 1/3 of Baby Boomers have no retirement savings...

Thegame14 wrote:
Wed Nov 07, 2018 2:31 pm
does it say how many of them have guaranteed pensions? They were kind of a big thing back then.....
Or how many of them live in LCOL areas and have VA benefits? This constitutes a majority of my family and none of them have retirement savings. SS is plenty.
by vitaflo
Mon Oct 29, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 2895

Re: Moving to Minnesota

If you work in WBL I'd put roots down there if you can afford it. Don't discount the cost of commuting, both in $$$ and time. Coming from GB, WBL would be a good fit too. I also moved from GB but went to Mpls. Took a while to get used to that, and it was not cheap.
by vitaflo
Sat Oct 27, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107071

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Jags4186 wrote:
Sat Oct 27, 2018 3:22 pm
I have not read all 25 pages, but what has been the effects of the strengthening dollar on performance?
Important point people often forget. Once the dollar tanks, international will do quite well in relative terms.
by vitaflo
Fri Oct 26, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1880

Re: How to debug slow wifi?

We are using an old Apple AirPort Extreme wireless router from 2011 . I suspect something has changed in that it is no longer sending a strong wifi signal. I checked its settings an noticed it was set to Channel 9. I changed to it to Automatic and restarted it. Didn't make any difference. It should...
by vitaflo
Fri Oct 26, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1880

Re: How to debug slow wifi?

All good replies so far. One thing I forgot to mention is my router appears to be dual band. Yesterday, I checked the box for 5Ghz network and restarted it. But I did not see any 5Ghz network show up in my list of wifi networks.. Perhaps it is not dual band? But can the router run xmtr/rcvr in both...
by vitaflo
Fri Oct 26, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1880

Re: How to debug slow wifi?

All good replies so far. One thing I forgot to mention is my router appears to be dual band. Yesterday, I checked the box for 5Ghz network and restarted it. But I did not see any 5Ghz network show up in my list of wifi networks.. Perhaps it is not dual band? Airport Extremes connect automatically t...
by vitaflo
Sun Oct 21, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107071

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

That's more than 10 years of earning nothing other than the dividend. Incredible. And the 48 back in 2008 was already down more than 20% from the high in 2007. You forgot to add "in USD". Currency fluctuations do swing international quite a bit and the dollar has been strong for a long time. The re...
by vitaflo
Sun Oct 21, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3140

Re: Why Purchase an Automobile using Premium Gasoline?

a major reason to purchase a vehicle using premium is simple preference for a specific vehicle that may ideally require premium, but can run on regular gasoline. Stupid me, I thought that 2005 V6 Honda Accord was pretty fast, along with several policemen met on highways :happy Tim If it requires pr...
by vitaflo
Sun Oct 21, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3140

Re: Why Purchase an Automobile using Premium Gasoline?

Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. That's not really true. Any performance car will have an engine the requires higher compression ratios and thus require premium fuel. For many (like thos...
by vitaflo
Sun Oct 21, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17089

Re: Where would you go for financial guidance if you win the Megamillions?

“This whole idea that one has to be anonymous and disappear like a mob informant in an era when people with enormous wealth are everywhere is rather amusing. “ So true. When I inherited millions the advice here and other places was “Don’t tell anyone” but we were previously always the “poor” ones h...
by vitaflo
Mon Oct 08, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6736

Re: Market decline in 2019 ?

We're at the point that when we get a correction, people will call it a crash.
by vitaflo
Mon Oct 08, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3465

Re: Garage Shelving?

I installed this type of shelving all around the garage. Two shelves high starting at 6+ feet above the floor. Some areas have multiple levels of shelving. Will support 100 pounds per linear foot as the support structures are screwed into the studs. Still happy about it 12 years later. Very neat an...
by vitaflo
Fri Oct 05, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8616
Views: 1680903

Re: U.S. stocks in freefall

Wasn’t the jobs report overall good? I don’t claim to understand the Fed but interest rate increases seem to be something that is expected with unemployment below 4%. Why would the market drop on a good employment figure? The market tends to be priced based on future expectations. When an event hap...
by vitaflo
Sat Sep 15, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4046

Re: Is home alarm monitoring worth it?

Watched a video recently with a convicted burglar talking about things that would deter him from breaking into homes. Things that would deter him: - Neighborhood Watch. If he was on a street where people were always around and looked suspiciously at cars they didn't know (especially true on cul-da-s...
by vitaflo
Sat Sep 15, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4145

Re: The Boglehead is anti-entrepreneur?

Would you advise a young person in their 20s or 30s, inclined to the entrepreneurial life, to go for it or stick to the Steady Eddie approach, and why? I'd say go for it, but I own multiple businesses and I'm fully aware there's survivorship bias in my opinion because I've been successful. Not ever...
by vitaflo
Sat Sep 15, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2522

Re: Rain Jacket recommendations and care

Honestly, around the same pricepoint they're all pretty similar. Just find the one that fits you best. This was the deciding factor for me (which is why I went with Mammut, their cuts just fit my body type best). Other thing is to check the clearance racks. Goretex can get expensive, but on clearanc...
by vitaflo
Tue Sep 11, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7647

Re: Amazon Prime - Value?

My teen is a gamer and wants to watch the Twitch tv channels. Needs Prime membership. It actually doesn't. You can watch Twitch streams for free, no need for Prime. What Prime gives you is free Twitch channel subscriptions (1 per month). Subscriptions just give you access to Twitch channel emotes a...
by vitaflo
Sun Sep 09, 2018 1:11 am
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2355

Re: Video Game Collection

Sell, but wait until around Christmas time. No, this is the worst time to sell retro games. Family members do not buy games for collectors. Collectors buy them for themselves (and during xmas all their money is going to presents for other people). The best time to sell is tax season because collect...
by vitaflo
Sat Sep 08, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2355

Re: Video Game Collection

I'm a retro video game collector (over 500 titles and 25 systems) and follow the scene pretty closely... Ah hah! I knew I'd find one of you VG collectors here on BH. :) Thanks for your post, super informative. Yes, the currently frenzy of retro titles (especially with the attention drawn to them by...
by vitaflo
Sat Sep 08, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2355

Re: Video Game Collection

I'm a retro video game collector (over 500 titles and 25 systems) and follow the scene pretty closely. You're right that retro game prices have been on the rise. Much of this has to do with Gen-Xers finally having the funds to afford the games they used to not be able to afford when they were younge...
by vitaflo
Sat Sep 08, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8811

Re: Can Sneakers go with Business Casual?

It still boggles my mind that people put up with dress codes at work. It’s such an antiquated concept.
by vitaflo
Fri Sep 07, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5953

Re: Subaru: Crosstrek or Outback?

mortfree wrote:
Fri Sep 07, 2018 8:18 pm
Do these vehicles come in AWD and FWD? Just wondering since you probably don’t need AWD.
All Subaru's (sans the BRZ) are symmetrical AWD. It's why people buy them.
by vitaflo
Fri Sep 07, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5953

Re: Subaru: Crosstrek or Outback?

Yup, test driving tomorrow. The conversation has been around size. If others have had the same conversation and made a decision and have feedback, that could be useful, I suspect. I had (somewhat) similar requirements as you. Needed to handle my city driving (and parking) and be a good cruiser for ...