Search found 118 matches

by gpburdell
Sun Oct 21, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 111
Views: 5870

Quitting w/o notice

So, I don't want to go in alot of detail, but I've made up mind to quit my job. I've been stressed out for the last 4-6 months and having panic attacks, waking up at night, etc. The majority of it is my job and part having to deal with my dad being very sick. I have emergency funds for almost a year...
by gpburdell
Mon Aug 06, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership of buying Model 3
Replies: 50
Views: 3283

Re: Cost of ownership of buying Model 3 vs keeping my M235i.

The lease on my 2015 M235i was up a couple of months ago. The last year I had been thinking of going Tesla or M2. However, I wound up buying a new house which increased my mortgage payment alot. So I decided to buy the M235i as I do really like the car and have had no issues. I'll wait a couple more...
by gpburdell
Mon Aug 06, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2366

Re: Best Counter Depth Side by Side refrigerator

Just bought this one from CostCo. If you buy it from CostCo, Samsung gives you a 2 year warranty. If you buy it with a CostCo credit card, you get another 2 years from CostCo. I really like this one as there are no handles sticking out from the doors keeping the profile very slim. https://www.costco...
by gpburdell
Tue Jul 17, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5911

Re: Is expensive olive oil worth it?

After reading about the problems with getting pure olive oil from Italy couple years ago, we switched to using https://californiaoliveranch.com/ which you can find at Publix and assume any other major grocery store or from them direct.
by gpburdell
Sun Jul 01, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6171

Re: Men's Cologne

Creed Aventus (if it was good enough for Napoleon...)

If you want try this, don't buy retail (it's $400+ for 100ml). There are other options to get it 1/3 that price (check out basenotes splits forum)
by gpburdell
Sun Jul 01, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Required minimum distributions from IRA
Replies: 18
Views: 1605

Re: Required minimum distributions from IRA

isawbones wrote:
Sun Jul 01, 2018 2:38 pm
Am I supposed to receive a form from each IRA trustee, advising RMD and asking if I am them to withhold a certain percent for federal taxes?
Fidelity will you tell online (no form) what they estimate to be your RMD for the year based on the accounts they have.
by gpburdell
Mon Jun 25, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 14576

Re: Why not go 100% stocks?

The next 10 years may not be as good to investors as the last 10 years. To me it seems like you have regency bias. You were 25 when the bull market had its beginning. You haven’t been in a really bad pull back. This. You gotta love the 100% stock threads when the market is at an all time high. The ...
by gpburdell
Sun Jun 24, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2853

Re: Buying new home while selling current one Qs

Looks like I can get a loan from my 403b up to 50k. (checking with HR tomorrow to confirm) I went through this just a couple months ago when I bought a new home before selling the old one and took a 50k loan from my 401k. In my case, I didn't need the 50k for the 20% down payment, but I wanted more...
by gpburdell
Thu Jun 07, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13179

Re: New mattress

I just ordered an Avocado Green mattress which is a hybrid with coils and latex. Should have it by end of month. My brother bought a sleep on latex bed a couple weeks ago. He got the soft version and I thought it was too soft.
by gpburdell
Mon Jun 04, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 46
Views: 14400

Re: Review after one month with Fidelity Cash Management

One drawback I've noticed with the CMA - there's a big delay between when a transaction actually happens and when it shows up on Fidelity. When initiating ACH pulls from other sources (Vanguard, Citi, BoA, Nelnet) they all show the money was transferred by the next day, but the transactions may not...
by gpburdell
Wed May 30, 2018 4:48 am
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2388

Re: Best brand of appliances for new condo

I agree with Costco--we just bought 3 Samsung appliances for our vaca condo and using the Citi VISA added 2 more years to the warranty. So 4 years total since Costco doubles the factory basic 1 year warranty anyway. Includes delivery, installation and "haul away" plus a $300 Costco gift card just f...
by gpburdell
Wed May 30, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Working for a friend
Replies: 8
Views: 1198

Working for a friend

I'm in IT and currently working for a top 15 bank. I've been at the bank for almost 8 years and I generally like the job and the people I work with. This is the longest I've stayed at one company and beginning to feel a bit complacent and thinking maybe it's time for a change. A close friend of mine...
by gpburdell
Wed May 30, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13657

Re: how do you tip on wine at a restaurant

If I'm at a sports bar or similar, having a burger and a couple beers, I'll generally tip 20% - 40%. +1 Generally I tip 20% for adequate to good service or more for great service. However, when I go somewhere to watch a game, I'm usually staying there for 3-4 hours. I'm probably not drinking/eating...
by gpburdell
Mon May 28, 2018 1:50 am
Forum: Personal Consumer Issues
Topic: Htc u12+ on Verizon [Cellphone]
Replies: 5
Views: 666

Re: Htc u12+ on Verizon

What's the difference between selecting the Verizon version vs the unlocked version on this page? https://www.htc.com/us/smartphones/htc-u12-plus/buy/ The unlocked one works for all 3 carriers. I don't know why anyone wouldn't pick the unlocked one since it's the same price as the carrier specific ...
by gpburdell
Mon May 28, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Htc u12+ on Verizon [Cellphone]
Replies: 5
Views: 666

Re: Htc u12+ on Verizon [Cellphone]

If anyone tries to activate/ use this phone on Verizon, please let me know. I’m interested in this phone but remember reading that with the u11, despite being certified on Verizon, people struggled to get it functional Considering that the phone won't be released till end of June; it will be awhile...
by gpburdell
Fri May 04, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How to finance new home-IN a hurry!
Replies: 22
Views: 1682

Re: How to finance new home-IN a hurry!

We got a mortgage on our new house before selling the old one. As long as the old house is paid off and you qualify, it is possible. One possible sticking point is that the lender wants to see INCOME regardless of your assets. If you're retired, it can be difficult to get a conventional mortgage du...
by gpburdell
Tue Apr 24, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 9519

Re: Anyone used Zelle?

Tried to call Zelle. First of all, they make it hard to find their phone number, which is a tip off for poor customer service. When calling, I just got a menu choice that leads to useless recordings. This was after business hours, and I am hoping that a live person will answer tomorrow to help us. ...
by gpburdell
Tue Apr 24, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 9519

Re: Anyone used Zelle?

I use Zelle all the time to transfer money between myself and family. I do two things: 1) I have an account at Capital One specifically used for Zelle, Venmo, Paypal, etc. I don't use this account for anything else like direct deposits, billpay, etc. I only keep a couple hundred dollars in this acco...
by gpburdell
Sun Apr 22, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 11263

Re: What is a good flat rate cash back credit card?

runner3081 wrote:
Sat Jan 27, 2018 1:07 pm
SlowMovingInvestor wrote:
Sat Jan 27, 2018 11:09 am
Fidelity 2% cash back unlimited.
+1
+1
by gpburdell
Wed Apr 11, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investing
Replies: 24
Views: 2299

Re: Emergency Fund Investing

1st tier - 3 months of expenses in money market 2nd tier - 3 months of expenses in short term corp bond 3rd tier - 6+ months of investments in taxable account. If I have to sell any of these, I will buy an equivalent amount in retirement accounts using cash/bonds to keep stock exposure the same. I u...
by gpburdell
Mon Mar 12, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 28614

Re: Torn between Vanguard, Fidelity and Schwab

Switched to Fidelity from Vanguard many years ago. The majority of my assets are in Vanguard ETFs. So I get the best of both.
by gpburdell
Thu Feb 08, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21082

Re: For BHs who actually like cars - what is your daily driver?

bi0hazard wrote:
Sat Feb 03, 2018 6:23 pm
bmw m2
Currently have a M235 and my lease is up later this year. I'm thinking about a M2 which I would buy. I just hate there are less options (mainly colors) to choose from which I never understood why they do that with the more expensive models.
by gpburdell
Mon Feb 05, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Can I extend a lease?
Replies: 7
Views: 876

Re: Can I extend a lease?

I have extended a 3 year lease for several months before. I just called the leasing company and asked. They agreed and the payments were the same.
by gpburdell
Mon Jan 22, 2018 2:34 am
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 34
Views: 3238

Re: Where do you get your auto loans?

omgbirdman wrote:
Mon Jan 15, 2018 2:15 pm
Lightstream is worth looking at. If you have good credit history, they will give you the loan totally unsecured, so you don't have to bother with liens, can carry whatever level of insurance you like, etc.

It's about as painless a process as you can get, and good rates, too.
+1 on Lightstream
by gpburdell
Sun Jan 21, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: I need a better online checking w billpay and mobile check deposit
Replies: 44
Views: 5265

Re: I need a better online checking w billpay and mobile check deposit

I haven't been able to find a single bank account that offers foreign ATM fee reimbursement and check deposit via image. Let alone competitive rates, a brokerage, or a decent credit card. I'm not sure about about foreign ATM fee reimbursement, but I've been happy with Fidelity's Cash Management acc...
by gpburdell
Fri Jan 19, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9513

Re: Short Commute or Nicer House?

The problem is you can buy close to work, but what happens if you lose that job and the next one is now a long commute. Are you going to move again? To me a 30 minute commute is nothing special. Living in Atlanta, it pretty much takes 30 minutes to get anywhere. Several years ago, I was working at a...
by gpburdell
Fri Jan 19, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 6112

Re: 4k UHD TVs worth it?

FYI. This was released on UHD Bluray this past December. If this isn't enough a reason to upgrade I don't know what is. You can buy them individually too. I just got Interstellar this past weekend and it's glorious in 4K and HDR. https://pisces.bbystatic.com/image2/BestBuy_US/images/products/6172/61...
by gpburdell
Fri Jan 19, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 6112

Re: 4k UHD TVs worth it?

I upgraded to a 65" 4K HDR tv late 2016 and it's fantastic. You need to be sitting relatively close to get the full benefit of 4K resolution. However, imho HDR is more important than 4K and isn't affected by viewing distance. Watching stuff in HDR can be jaw dropping. There is now plenty of 4K conte...
by gpburdell
Thu Dec 21, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40213

Re: Fidelity free Turbotax

I see the free download as well. I'm Active Trader and got it last year too (mid 6 figure balance across multiple account types). I checked with my brother and he's getting the free download too. He has mid 6 figure balance (including 401k), but he isn't Active Trader or anything. Though he does li...
by gpburdell
Wed Dec 20, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40213

Re: Fidelity free Turbotax

I see the free download as well. I'm Active Trader and got it last year too (mid 6 figure balance across multiple account types).
by gpburdell
Tue Dec 19, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 13837

Re: Best 401k Employer Match Structure

I work for a top 15 bank and they match 100% of the first 6%. Also there is an optional 0-4% (of salary) that could be added based on company performance. It's been this way for several years since the pension plan was frozen.
by gpburdell
Wed Dec 13, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 12917

Re: How much did you contribute to your 401k in 2017?

1) I contributed 18k and my company contributed ~9k.
2) 41

I've been maxing my 401k since early 30s.
by gpburdell
Sun Dec 03, 2017 5:00 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24577

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

My (admittedly limited) understanding is that "miners" are paid bitcoins for recording transactions in the blockchain. Once all the bitcoins have been mined how are the people/nodes maintaining the blockchain going to make any money? I understand the inflationary aspect of increasing the number of ...
by gpburdell
Thu Nov 23, 2017 2:23 am
Forum: Personal Consumer Issues
Topic: Best head set for listening and microphone
Replies: 15
Views: 1308

Re: Best head set for listening and microphone

Just get a Sennheiser headset with a mic and you will be good +1. I have a Sennheiser gaming headset w/ attached mic and it works great. I work from home most of the time and take conference calls over Google Hangouts several hours a day. Numerous times people have commented that my voice comes thr...
by gpburdell
Sun Oct 29, 2017 2:03 am
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3866

Re: New TV, what's important?

Imo, getting a TV that supports HDR is more important than 4K itself. To get full benefit of 4K resolution, you have be sitting very close to the TV. For a 65" tv, you'd need to be sitting within 8 feet. The difference with HDR is stunning and you don't have to be as close to see the difference. The...
by gpburdell
Sun Oct 29, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3930

Re: Upgrade my Roku?

I got a 4k tv earlier in the year and bought a Roku Ultra that supports 4k and HDR which has been great. I know alot of tvs support apps these days, but I have found them to be buggy, slow, etc. I prefer streaming from a dedicated device that is constantly updated. The problem with TV apps that at s...
by gpburdell
Thu Oct 12, 2017 2:49 am
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 4758

Re: 100% invested, all in, no cash- how do you do it?

Like others I only have enough cash in the checking account to cover upcoming bills. And I also have no emergency fund. If an emergency comes up I would sell shares from the taxable brokerage account, and wouldn't hesitate to pay short-term capitals gains taxes if necessary. You're paying that same...
by gpburdell
Thu Oct 12, 2017 2:41 am
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 4758

Re: 100% invested, all in, no cash- how do you do it?

I'm 75/25/0 - stocks/bonds/cash. So I'm 0% cash when it comes to my investment portfolio. In reality, cash isn't always 0% as I let cash build up in my taxable account to a certain level before I buy new shares of whatever I'm short in. This cash is usually < 1% of my portfolio. I exclude my checkin...
by gpburdell
Thu Oct 12, 2017 2:21 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 6669

Re: Advice on Canceling Fidelity Portfolio Advisory Service

*Can I cancel the advisory service and maintain the funds in a self-managed account? (I know it is possible that some of the funds are not available to an investor without the PAS). *What might I expect during such a conversation? My parents moved their retirement accounts to Fidelity a few years a...
by gpburdell
Fri Oct 06, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage - New Construction
Replies: 1
Views: 339

Applying for mortgage - New Construction

So I just signed a contract for a new home that will be ready for closing in 8 months. I've already been pre-approved for a loan. I was wondering if I should go ahead and apply for a mortgage to lock in rates now or wait a few months. I contacted the lender that gave me the pre-approval and they sai...
by gpburdell
Tue Oct 03, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's the right way to approach locking vs floating mortgage rates?
Replies: 7
Views: 824

Re: What's the right way to approach locking vs floating mortgage rates?

I'm in a similar situation. I just signed a contract for new home construction, but the expected closing isn't till April of next year. The company I got my pre-approval through said while there are products to lock in that far out; they recommended against it as the rates, points, fees, etc are sig...
by gpburdell
Sun Sep 17, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 35
Views: 3198

Re: point and shoot digital cameras

Another vote for Sony RX100. I have the 3rd generation model and it's been great.
by gpburdell
Wed Aug 23, 2017 11:32 pm
Forum: Investing - Theory, News & General
Topic: Account balances over $250,000
Replies: 11
Views: 3017

Re: Account balances over $250,000

https://www.fidelity.com/why-fidelity/safeguarding-your-accounts According to this, Fidelity has additional coverage above the SIPC limit for a total of 1 billion if I understand it correctly. That doesn't sound like alot given Fidelity has 2 trillion in assets. Vanguard has something similar but f...
by gpburdell
Sun Jun 25, 2017 12:47 am
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 7135

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

if I have Fidelity account, how does, Fidelity, makes money when I hold all Vanguard funds and ETFs why do you have your Vanguard holdings at Fidelity? Why not? I only have a fidelity account and I have VII, VTI, VOO and a couple of others - along with Fidelity equivalents. Same here. Imho, Fidelit...
by gpburdell
Thu Jun 22, 2017 2:59 am
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 3397

Re: Part-time computer science graduate schools in Boston area?

Wow, this looks awesome! Is there any kind of catch that you know of? It's really the exact same degree? I think the only catch is getting admitted to the program (i think the accpetance rate is around 30%). FYI, I got my undergrad in computer science from GT and that's why I'm aware of it. Also, I...
by gpburdell
Mon Jun 19, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 6546

Re: Good camera - new baby coming

Sony RX100 (3rd generation or higher). One of the best point and shoot cameras you can get and small enough to fit in pants and take anywhere. Alot of venues won't let you take in the big DSLRs, etc. I typically keep mine in the glove compartment of my car so it's usually on hand when needed. That D...
by gpburdell
Mon Jun 19, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 3397

Re: Part-time computer science graduate schools in Boston area?

I believe Georgia Tech is the only one of the top ranked schools to offer an online master's in Computer Science. This is the only list I could find and GT is by far the cheapest option: https://www.geteducated.com/online-college-ratings-and-rankings/best-buy-lists/online-masters-computer-science-it...
by gpburdell
Mon Jun 19, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 3397

Re: Part-time computer science graduate schools in Boston area?

Check out Georgia Tech's online Computer Science Master's program. If you're going to get a degree, it might as well be from one of the top CS schools in the country. The online master's is equivalent to the on campus version, there is no distinction in the diploma awarded, and you can even walk in ...
by gpburdell
Mon Jun 19, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 4207

Re: Need WIFI repeater or second router Advice

I use powerline to a second router (bridged). +1 I live in a 3 story townhome with the modem and primary wireless router on the top floor. I'm usually in the basement where I have computer, game consoles, HDTV, etc. Getting a consistent wifi signal never worked well and putting everything downstair...