Search found 1589 matches
- Sat Mar 16, 2024 7:28 am
- Forum: Personal Finance (Not Investing)
- Topic: The best game-changing financial advice you ever received (or "discovered")
- Replies: 120
- Views: 11108
Re: The best game-changing financial advice you ever received (or "discovered")
"Nobody gives a damn about your financial well being but you".
- Wed Mar 13, 2024 12:36 pm
- Forum: Personal Consumer Issues
- Topic: Is Calif Really That Expensive - Or Am I Missing Something?
- Replies: 133
- Views: 15487
Re: Is Calif Really That Expensive - Or Am I Missing Something?
My former large multinational corporation couldn't pay employees enough to relocate to California. They had to move operations out of that state to get employees to support formally Califiornian programs. That was well before they lost congressional seats.
- Thu Mar 07, 2024 6:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transfer Car ownership to daughter or not?
- Replies: 41
- Views: 4955
Re: Transfer Car ownership to daughter or not?
That's what I paid. There was no tax on the value of the car.livesoft wrote: ↑Wed Jul 06, 2022 8:12 amThe tax in Texas in this situation is $10. Read here: https://comptroller.texas.gov/taxes/pub ... %20vehicle.
- Thu Mar 07, 2024 1:35 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity and Bank of America data lost in Infosys breach
- Replies: 57
- Views: 6475
Re: Fidelity and Bank of America data lost in Infosys breach
Not that I know of. Everything is frozen, locked, monitored and password protected.OpenMinded1 wrote: ↑Thu Mar 07, 2024 10:00 amI was a victim of the OPM breach also, but so far have suffered no adverse effects. Have you? Just curious.
- Thu Mar 07, 2024 9:36 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity and Bank of America data lost in Infosys breach
- Replies: 57
- Views: 6475
Re: Fidelity and Bank of America data lost in Infosys breach
I'd be more concerned with overseas call centers having access to my accounts.
The OPM breach was the most damaging thing one could do to me and my family. Infosys is going to have to up its game to beat that debacle.
The OPM breach was the most damaging thing one could do to me and my family. Infosys is going to have to up its game to beat that debacle.
- Wed Mar 06, 2024 4:05 pm
- Forum: Personal Consumer Issues
- Topic: Need help -- solaredge problems in Virginia
- Replies: 4
- Views: 524
- Thu Feb 29, 2024 3:49 pm
- Forum: Personal Consumer Issues
- Topic: What are some of the things that improved YOUR quality of life?
- Replies: 254
- Views: 41954
Re: What are some of the things that improved YOUR quality of life?
Practicing math and logic.
- Thu Feb 29, 2024 2:43 pm
- Forum: Personal Investments
- Topic: Moving from Treasury Money Market Fund to 1-year T-Bill to delay income
- Replies: 6
- Views: 715
Re: Moving from Treasury Money Market Fund to 1-year T-Bill to delay income
You are correct.frugalor wrote: ↑Thu Feb 29, 2024 2:39 pm Just wanted to double check to see if my thinking is correct.
I have 30K sitting at VUSXX generating monthly income. I want to generate no income for the rest of the year, delaying the income to 2025. I think I can move the 30K into a 1-year t-bill. When the t-bill matures in 2025, the income will be realized then. I can delay income this way. Am I thinking correctly here?
- Mon Feb 26, 2024 7:56 am
- Forum: Personal Finance (Not Investing)
- Topic: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
- Replies: 148
- Views: 22531
Re: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
Your company is cognizant of this. Your new manager has been given the task of encouraging you to leave in the most beneficial way for the company. Don't say anything. Just be patient and comfort in the fact that you have the high ground. They'll eventually have to play their hand.
- Sat Feb 24, 2024 11:54 am
- Forum: Personal Consumer Issues
- Topic: How do you live healthy?
- Replies: 107
- Views: 8119
Re: How do you live healthy?
Why?just frank wrote: ↑Sat Feb 24, 2024 11:49 am I am worried about folks that find something that 'works for them', and who ignore medical advice to the contrary.
- Fri Feb 23, 2024 10:19 am
- Forum: Personal Consumer Issues
- Topic: College cheating, what would you do?
- Replies: 64
- Views: 4357
Re: College cheating, what would you do?
Here's the thing.... in college everyone cheats, no different than the real world. No way, speak for yourself. I never cheated in college, and the OP's daughter doesn't either. I don't cheat in the real world either. I've already been blessed just by being alive, I don't need to take what isn't mine. Living with integrity and honor is a philosophy of life. I've told my kids its better to fail than cheat because you can recover from failure but you can only lose your integrity. Agreed! I know MANY people who didn't cheat and would never sacrifice doing the right thing for ill-gotten gain. "Everyone cheats" is a hasty generalization, or perhaps a rationalization. As my life progressed I learned to disregard the cheaters and embrace...
- Fri Feb 23, 2024 9:51 am
- Forum: Personal Consumer Issues
- Topic: College cheating, what would you do?
- Replies: 64
- Views: 4357
Re: College cheating, what would you do?
I won't recommend what to do, but I will commend your daughter for not cheating. She makes the world a better place and I'm proud of her even though I don't know her.
- Thu Feb 22, 2024 8:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Be careful - could happen to anyone [fraudulent bank transactions]
- Replies: 77
- Views: 12244
Re: Be careful - could happen to anyone
protagonist wrote: ↑Thu Feb 22, 2024 8:15 am I use my Fidelity MM as my primary checking account and keep only a few bucks in a local bank for convenience.
This may seem like a naive question, but:
Isn't Fidelity (where the bulk of my assets are kept) a lot less secure than a bank?
- No FDIC insurance (Fidelity spreads MM funds around to stay under the FDIC insurance limits. Account activity shows money deposited in several banks.)
- just one step login (username and password alone gets you in...many banks also require email or phone confirmation) (Fidelity offers 2FA login.)
- A hack compromises not only your cash account but your investments as well. (Indeed!)
I suspect most of us are in a somewhat similar situation.
- Thu Feb 22, 2024 8:09 am
- Forum: Investing - Theory, News & General
- Topic: Why does the stock market go down after some bad news?
- Replies: 35
- Views: 3074
Re: Why does the stock market go down after some bad news?
The answer is in the recent history of toliet paper puchases.
- Wed Feb 21, 2024 7:55 pm
- Forum: Investing - Theory, News & General
- Topic: Meredith Whitney makes a bold prediction regarding the housing market
- Replies: 19
- Views: 3910
- Sat Feb 17, 2024 10:12 am
- Forum: Personal Consumer Issues
- Topic: [On-going Scams - Post them here]
- Replies: 1372
- Views: 165395
Re: [On-going Scams - Post them here]
Haven’t seen this posted yet so I thought I’d share a sad and sobering, but also highly engaging and educational story about a recent scam perpetrated on an established financial columnist for $50,000 cash. We all think we would catch on to the obvious red flags, but do we really know how we would respond under stress, and fear of physical harm? These are targeted attacks where the scammers not only know your information but are also local and have people nearby to facilitate the scam (in this case, to drive a car to victim’s house to pick up the cash). In this case, they also certainly knew she had at least 50k in cash in her bank account. The gist of the story is that victim gets call from Amazon informing her she is victim of identity t...
- Fri Feb 09, 2024 9:42 am
- Forum: Personal Consumer Issues
- Topic: How do diagnose a router issue
- Replies: 69
- Views: 9501
Re: How do diagnose a router issue
It isn't hard to hack an unprotected router. The FBI recently hacked into a number of routers to remove state-sponsered malware. Connecting an unprotected router/device to the internet for a few seconds puts it at risk. Make sure you device is updated with current firmware and uses a strong password prior to connecting it to the outside world.
In some cases the only mitigation for an infected device to to re-load factory firmware and NOT reusing the previous password.
In some cases the only mitigation for an infected device to to re-load factory firmware and NOT reusing the previous password.
- Thu Feb 01, 2024 1:16 pm
- Forum: Personal Consumer Issues
- Topic: Perplexity AI tool discussed in New York Times
- Replies: 15
- Views: 1396
Re: Perplexity AI tool discussed in New York Times
Me: Program a metronome in C for Linux. AI: You can program a metronome in C for Linux using the provided source code from the GitHub repository "ctronome" by bivanbi. This is a very simple programmable metronome for the Linux console, with audio output through /dev/dsp (OSS). It supports BPM ranges from 30 to 250 and various time signatures like 3/4, 7/8, etc. The metronome plays external WAV files, allowing for custom sound samples. The basic C libraries are needed for compilation, and the installation involves placing the single binary file anywhere in the local or remote filesystem. If you prefer a different approach, you can also refer to other resources such as the C program for a metronome shared on Reddit or explore additi...
- Mon Jan 29, 2024 10:31 am
- Forum: Personal Consumer Issues
- Topic: What are some of the things that improved YOUR quality of life?
- Replies: 254
- Views: 41954
Re: What are some of the things that improved YOUR quality of life?
Zero television. Believing in only self-evident truths. Ignoring the "educated" and "informed" citizenry. Going back to living like a careless teenager.
- Sun Jan 28, 2024 10:45 am
- Forum: Investing - Theory, News & General
- Topic: The number one reason why investors fail
- Replies: 94
- Views: 15821
Re: The number one reason why investors fail
Emotions are why many people fail at many things!
- Fri Jan 26, 2024 7:14 am
- Forum: Investing - Theory, News & General
- Topic: Do Bond Funds Really Make Sense for the Long Run?
- Replies: 399
- Views: 38704
Re: Do Bond Funds Really Make Sense for the Long Run?
Yes, bonds make sense.
- Wed Jan 17, 2024 7:19 am
- Forum: Personal Consumer Issues
- Topic: Tesla in Cold Weather
- Replies: 197
- Views: 17923
Re: Tesla in Cold Weather
A person can learn a great deal about human behavior in a thread like this. Thanks!
- Mon Jan 15, 2024 7:45 am
- Forum: Personal Finance (Not Investing)
- Topic: Why do we work?
- Replies: 130
- Views: 18925
Re: Why do we work?
Reading this makes me incredibly sad for your child.JGoneRiding wrote: ↑Wed Jun 13, 2018 9:29 pm ... I was bored at home with nothing to do but stare at my child, though of course i suffer guilt to.
- Tue Jan 02, 2024 7:16 am
- Forum: Personal Finance (Not Investing)
- Topic: At what net worth did you start not sweating the "small stuff"
- Replies: 137
- Views: 27118
Re: At what net worth did you start not sweating the "small stuff"
Dishonesty is a scourge. I will correct a mischarge no matter the amount.
- Fri Aug 11, 2023 8:20 am
- Forum: Personal Consumer Issues
- Topic: Another [Email Login] Attempt - This Time from China
- Replies: 31
- Views: 3507
Re: Another [Email Login] Attempt - This Time from China
A recent headline reads, "Hackers Abuse Cloudflare Tunnels Feature to Gain Stealthy Persistent Access". I didn't research the expoit because I don't tunnel using Cloudflare; but It had something to do with DNS and PyPI. It's a jungle out there.1955Chevy wrote: ↑Thu Aug 10, 2023 9:39 pm For anyone reading, you don't need to expose a port or use port forwarding. Use Cloudflare Tunnel and expose nothing on your network.
- Wed Aug 09, 2023 7:00 pm
- Forum: Personal Consumer Issues
- Topic: Another [Email Login] Attempt - This Time from China
- Replies: 31
- Views: 3507
Re: Another [Email Login] Attempt - This Time from China
If that frightens you don't investigate how many times your home network gets probed.
- Tue Aug 08, 2023 5:46 pm
- Forum: Personal Consumer Issues
- Topic: The HVAC sales guy is on his way over...
- Replies: 107
- Views: 10306
Re: The HVAC sales guy is on his way over...
Update... So far we have had 4 companies give us bids. At this point we are leaning towards a... Bryant Gas Furnace, 2 stage 120,000 BTUs 96% AFUE 10 year parts warranty 10 year compressor warranty Lifetime heat exchanger warranty Bryant 5ton 16.2 SEER Air Conditioner, 1 stage Bryant Coil 5x61x24 10 year labor warranty Furnace and A/C $14,260 total installed incl. tax and fees Can be done anytime without the need to decide right now. DW and I are completely overwhelmed/tired trying to become HVAC experts over the past 2 days. 2 of the sales guys lowered their prices if we install tomorrow. We are tired and they know it. We will reassess in the am, but are leaning toward the Bryant. The Bogleheads community is amazing!! Thank you to all pos...
- Tue Aug 08, 2023 3:15 pm
- Forum: Personal Investments
- Topic: Adios, Vanguard
- Replies: 465
- Views: 93385
Re: Adios Vanguard
No regrets whatsoever. Vanguard torched a 28 year relationship that will be dead for eternity. I'll move money under a mattress before investing with Vanguard again.tvubpwcisla wrote: ↑Mon Aug 07, 2023 4:09 pm I often see these posts about leaving Vanguard and wonder if down the road investors will regret such a move. Vanguard is hands down the best for Index Fund investors and will continue to improve for their investors.
- Mon Aug 07, 2023 5:46 pm
- Forum: Investing - Theory, News & General
- Topic: Anheuser-Busch the profit and sales riddle
- Replies: 47
- Views: 3180
Re: Anheuser-Busch the profit and sales riddle
I'm not saying you're wrong, but I passed graduate level accounting courses and I don't recall ever hearing, or reading, the term organic growth. It sounds nebulus.typical.investor wrote: ↑Mon Aug 07, 2023 4:57 pmDo you understand the concepts of 'mergers and acquisitions'? If you can understand those concepts in business, it'll be easy for you to understand that 'Organic Growth' is growth which excludes 'mergers and acquisitions'. It's really not in any way a new concept.
- Mon Aug 07, 2023 4:19 pm
- Forum: Personal Consumer Issues
- Topic: The HVAC sales guy is on his way over...
- Replies: 107
- Views: 10306
Re: The HVAC sales guy is on his way over...
The leak will be in the evaporator coil (in the air-handler).
- Mon Aug 07, 2023 3:37 pm
- Forum: Investing - Theory, News & General
- Topic: Anheuser-Busch the profit and sales riddle
- Replies: 47
- Views: 3180
Re: Anheuser-Busch the profit and sales riddle
Out of morbid curiosity I opened the document @toddthebod linked. One of the columns in figure 1 is labeled Organic Growth. That's a new one. Are they growing wheat?
- Mon Aug 07, 2023 11:51 am
- Forum: Investing - Theory, News & General
- Topic: Anheuser-Busch the profit and sales riddle
- Replies: 47
- Views: 3180
Re: Anheuser Bush the profit and sales riddle
Shady informaton on Seeking Alpha... shocking.
- Sun Aug 06, 2023 8:47 am
- Forum: Personal Finance (Not Investing)
- Topic: Does this worry you [Wells Fargo articles]? How do we protect ourselves?
- Replies: 38
- Views: 5144
Re: Does this worry you [Wells Fargo articles]? How do we protect ourselves?
Funny, several years ago they wouldn't open an account for my youngest. After a short period of time the bank returned all of his money telling him they couldn't verify his identity. This after presenting every legitimate form of identity known to man. By magnitudes the most incompetent bank I've ever witnessed. I've seen lemonade stands with better management.
- Sat Aug 05, 2023 3:52 pm
- Forum: Personal Consumer Issues
- Topic: back-up plan should smartphone lost?
- Replies: 23
- Views: 2478
Re: back-up plan should smartphone lost?
My plan is that I don't use a smartphone for anything important. In fact, I rarely touch it at all.
- Tue Aug 01, 2023 7:18 pm
- Forum: Investing - Theory, News & General
- Topic: US credit downgrade
- Replies: 130
- Views: 15649
Re: US credit downgrade
- Tue Aug 01, 2023 6:54 pm
- Forum: Personal Consumer Issues
- Topic: Would this car buying tactic work?
- Replies: 51
- Views: 5938
Re: Would this car buying tactic work?
I've done that, but for a lower interest rate. I didn't fake ignorance though. I told them exactly what I was going to do. I guess they didn't believe me. No matter, I saved a few thousand.
- Tue Aug 01, 2023 6:50 pm
- Forum: Investing - Theory, News & General
- Topic: US credit downgrade
- Replies: 130
- Views: 15649
Re: US credit downgrade
I expect to get better Treasury rates.
- Tue Aug 01, 2023 1:07 pm
- Forum: Personal Investments
- Topic: Adios, Vanguard
- Replies: 465
- Views: 93385
- Sun Jul 30, 2023 8:11 am
- Forum: Personal Investments
- Topic: What to do after reading an article like this [predicting market crash]
- Replies: 80
- Views: 7641
Re: What to do after reading an article like this
I'll bet you can find an article that proposes the exact opposite in no time at all.
- Sat Jul 29, 2023 12:47 pm
- Forum: Personal Consumer Issues
- Topic: Best Purchase < $1000?
- Replies: 231
- Views: 28457
Re: Best Purchase < $1000?
Genuine TPA3118D2 30w amplifier for $1.96 delivered to my door.
- Thu Jul 27, 2023 7:57 pm
- Forum: Personal Investments
- Topic: How to become a billionaire in 20 years?
- Replies: 96
- Views: 9212
Re: How to become a billionaire in 20 years?
Triple leveraged gold - all in.
- Thu Jul 27, 2023 3:28 pm
- Forum: Personal Consumer Issues
- Topic: Going to Canada, do I need cash?
- Replies: 76
- Views: 7247
Re: Going to Canada, do I need cash?
Migrating bugs/insects is a bad thing. Look up fruit fly infestation.tfunk wrote: ↑Thu Jul 27, 2023 2:49 pm As a P.S. Do not bring any citrus or tomatoes back from Canada into the US. We bought our oranges in CA before our trip and they were confiscated at the border when we went back into the USA. US Border inspectors were not very friendly about the explanation of why. Something about CA oranges are sold in Canada and could possible be stored next to oranges from Africa which are not allowed. Whatever. We ate all but three before the border crossing. Border agent said Canada is too expensive and we should stay in the USA.
- Thu Jul 27, 2023 3:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Tesla suppressed driving range complaints
- Replies: 174
- Views: 14801
Re: Tesla suppressed driving range complaints
Not all rainbows and sunshine eh?
- Thu Jul 27, 2023 8:45 am
- Forum: Investing - Theory, News & General
- Topic: treasury bonds returns higher than AAA corporate bonds [How to achieve returns w/little risk and 6-7% return?]
- Replies: 70
- Views: 5379
Re: treasury bonds returns higher than AAA corporate bonds
Exactly. That sums it up.rkhusky wrote: ↑Thu Jul 27, 2023 8:37 amYou, along with everyone else, should then buy treasuries. Eventually the corporate bonds will need to increase in yield to compensate for the additional risk (or treasury yields will decrease with additional demand).Econberkeley wrote: ↑Wed Jul 26, 2023 5:37 pm treasury bond is zero risk while corporate bond has much higher risk with same or less return. it is ridiculous.
- Wed Jul 26, 2023 12:31 pm
- Forum: Personal Investments
- Topic: 30 percent equity allocation in retirement
- Replies: 65
- Views: 5978
Re: 30 percent equity allocation in retirement
It's about how much money one has against how much money one needs.
- Wed Jul 26, 2023 10:26 am
- Forum: Investing - Theory, News & General
- Topic: Anyone Noticing Kids Getting Addicted to CashApp Trading
- Replies: 74
- Views: 7836
Re: Anyone Noticing Kids Getting Addicted to CashApp Trading
Some lessons are better learned early.
- Tue Jul 25, 2023 2:56 pm
- Forum: Investing - Theory, News & General
- Topic: Is QE responsible for US outperformance over Int'l from 2010-2021?
- Replies: 263
- Views: 19183
Re: Is QE responsible for US outperformance over Int'l from 2010-2021?
Can you think of any other globally implemented multi-$Trillion, multi-year force that just happened to line up perfectly with the significantly lopsided returns from 2010-2022…? It is clear that you are convinced that QE was responsible, so why are your asking the question? Perhaps asking the question is an attempt to convince others of your already drawn conclusion. Could you honestly be convinced otherwise? Actually started another thread that might provide context to your question... Please take a look..., The market is such an enormous and multifaceted, multi-emotional place, one can never know anything for sure.... But perhaps if we view BH as a mini-portal to understanding the arguments that drive the larger market, we can give BH a...
- Tue Jul 25, 2023 12:29 pm
- Forum: Investing - Theory, News & General
- Topic: Is QE responsible for US outperformance over Int'l from 2010-2021?
- Replies: 263
- Views: 19183
Re: Is QE responsible for US outperformance over Int'l from 2010-2021?
It is clear that you are convinced that QE was responsible, so why are your asking the question? Perhaps asking the question is an attempt to convince others of your already drawn conclusion.CraigTester wrote: ↑Fri Jul 21, 2023 11:53 am Can you think of any other globally implemented multi-$Trillion, multi-year force that just happened to line up perfectly with the significantly lopsided returns from 2010-2022…?
Could you honestly be convinced otherwise?
- Sat Jul 22, 2023 11:01 am
- Forum: Investing - Theory, News & General
- Topic: Why do all my funds frequently move in the same daily direction?
- Replies: 65
- Views: 4392
Re: Why do all my funds frequently move in the same daily direction?
Ultimately, because people are herd animals.
- Fri Jul 21, 2023 3:17 pm
- Forum: Investing - Theory, News & General
- Topic: an AI engine's "thoughts" on US stocks and bonds
- Replies: 75
- Views: 6849
Re: an AI engine's "thoughts" on US stocks and bonds
How many times do these AI engines have to be wrong for people to mistrust them? In mathmatical proofs once is enough. I guess someone should ask an AI engine.