Search found 213 matches

by gpburdell
Mon Aug 31, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5468

Re: is a $1000+ herman miller office chair worth the investment?

Now that I'm working primarily from home for the foreseeable future. I contemplated buying a HM chair and was looking at both the Aeron and the Embody. In the end, I decided instead of buying a $1500 chair I'd buy a $1500 electric standing desk. From a health perspective (especially the lower back) ...
by gpburdell
Mon Jul 20, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Wifi Network(s) Setup
Replies: 7
Views: 740

Re: Wifi Network(s) Setup

I haven’t thought to segregate devices to different networks. Hasn’t been a problem for us. The best practice is to put IoT devices on their own separate and isolated network from your PCs, tablets and phones. IoT devices would be anything that is non Windows, iOS, Android etc and/or isn't updated ...
by gpburdell
Thu Jul 09, 2020 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising to sale price
Replies: 51
Views: 7058

Re: House not appraising to sale price

This happened to me two years ago when selling my townhouse. I forget the exact numbers, but something like the buyer's mortgage company appraisal came $10k below the selling price. We met in the middle and I dropped the price for half the difference and the buyers put in the other half. If I was wi...
by gpburdell
Thu Jul 09, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: 1-stage vs 5-stage HVAC compressor?
Replies: 30
Views: 2259

Re: 1-stage vs 5-stage HVAC compressor?

If you go above a 2 stage that requires a "communicating thermostat" then you won't be able to use Nest or Ecobee. Just keep that in mind if you want to use one of those in the future. I've been using both a Nest and Ecobee thermostat the past 2 years and love them.
by gpburdell
Thu Jul 02, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17336

Re: YoutubeTV subscription now $64.99/month

My wife loves the Tennis Channel but our local Comcast(our current ISP) won't and refuses to carry it. Ha, same here as I'm an avid tennis player and fan. Does YTTV offer the multiple court coverage for the grand slams like DirecTV? That's one of the big reasons I'm still with DTV. Also, my other b...
by gpburdell
Thu Jul 02, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: cable vs. fiber internet. Which to choose?
Replies: 31
Views: 2078

Re: cable vs. fiber internet. Which to choose?

Fiber. With all the crap ATT gets, I've had their gigabit fiber for 2 years now and very impressed: 1) Reliable - We've had maybe 5-6 outages in two years and the longest was maybe 30 mins. With Xfinity, we could get outages multiple times a week or the same day lasting hours at a time. I primarily ...
by gpburdell
Wed Jul 01, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 19626

Re: Purchasing Major Appliances from Costco

I'm having a new LG washer/dryer combo from Costco delivered this week. My SO says that we need to purchase, separately, a power cord for it, while I don't see any language anywhere in my ordering info that this needs to be done. Seems to me to be an important thing to mention, especially if instal...
by gpburdell
Wed Jun 24, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5983

Re: New 4K TV: LED, QLED or OLED?

Will the TV be located in a room that's dark (light controlled) or somewhere in with alot of light? Will there be any significant gaming on this TV? I bought a Samsung Q80R last year mainly because the TV would be in my living room with alot of light and will be gaming on this as well. Alot of peopl...
by gpburdell
Fri Jun 19, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1769

Re: Refrigerator Input...

I have a Samsung French 4 door refrigerator and no problems for over 2 years now (washer&dryer too). Fyi, if you buy from Costco the major appliances usually come with a standard 2 year mfg warranty instead of 1 year. Then if you buy it with the Costco credit card they give you another 2 years. So I...
by gpburdell
Sun Jun 14, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 161
Views: 10225

Re: New construction house - what to consider?

Run CAT6 to where you might like to have security cameras in the future both inside and outside even the front doorbell.
by gpburdell
Tue Apr 21, 2020 9:48 am
Forum: Personal Investments
Topic: Best S&P 500 ETF IVV vs VOO
Replies: 20
Views: 1709

Re: Best S&P 500 ETF IVV vs VOO

smartinvestor2020 wrote: Mon Apr 20, 2020 9:17 pm Is VOO generally considered the best choice for an S&P 500 ETF? This would be in a roth ira.
I consider it the best because it is Vanguard. Though I use corresponding iShares ETFs for tax loss harvest if needed.
by gpburdell
Tue Apr 21, 2020 9:35 am
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 80
Views: 7245

Re: Disappointed with Vanguard service. Better options?

A bit off topic here, but do people think there is much risk in Fidelity eventually eliminating the free ETF trades on Vanguard ETFs? Or, do they currently differentiate on who’s ETFs you trade today? I saw they still prominately display their own along with iShares. Even before this era of free tr...
by gpburdell
Thu Apr 16, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Estimate on a new hvac system. Is it reasonable?
Replies: 60
Views: 4264

Re: Estimate on a new hvac system. Is it reasonable?

I have a 3 floor 1,750 sq ft townhome in the Atlanta area. Current hvac system is roughly 15 years old. Can't offer any feedback on the estimate, but wow your story is eerily similar to mine as I bought a new 3 story townhouse in ATL back in 2006 and had same issues till two years ago when I sold a...
by gpburdell
Sun Mar 22, 2020 11:30 pm
Forum: Personal Investments
Topic: What's up with Floating Rate bond funds
Replies: 17
Views: 1019

Re: What's up with Floating Rate bond funds

I have some money in FLRN and as of yesterday has a price that is an -11% discount to the NAV. It went up 1.6% today. At some point, the price should correct closer back to the NAV right? Would someone comment on my question. Am I wrong to think the price won't go back up to the NAV eventually? Thi...
by gpburdell
Thu Mar 19, 2020 8:30 pm
Forum: Personal Investments
Topic: What's up with Floating Rate bond funds
Replies: 17
Views: 1019

Re: What's up with Floating Rate bond funds

I have some money in FLRN and as of yesterday has a price that is an -11% discount to the NAV. It went up 1.6% today. At some point, the price should correct closer back to the NAV right?

80% of FLRN holdings are rated A or better. If I don't need the money anytime soon, should I just hold?
by gpburdell
Mon Mar 16, 2020 11:54 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9692

Re: What is your AA, given your age ? and this crisis ?

Age 44 - 75% stocks, 25% bonds/cash My plan is to adjust allocation when I hit 2 comma club. I was almost there lol. Not sure what I'll switch it to as I don't have a formal IPS. Probably 70/30 or 65/35. When I retire, I'm planning to go 50/50. I stay the course by chanting "be greedy when others ar...
by gpburdell
Mon Mar 16, 2020 7:08 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 29973

Re: How much you lost/gain since Feb 20,2020 ?

-170k I also manage investments for my parents and one of my brothers. Combined that's another 400k. My parents are retired and I took over their portfolio a few years ago. Mom wanted to be 80% stock but I told them they didn't need the risk/growth and put them at a 50-50 allocation. This past month...
by gpburdell
Fri Mar 13, 2020 2:14 am
Forum: Personal Investments
Topic: Why did Muni funds crash today?
Replies: 17
Views: 1728

Re: Why did Muni funds crash today?

VTEB is currently trading at a $2 (4%) discount to the NAV. Many bond fund etfs are trading at big discounts. Talk about being surprised when I saw that FLOT dropped almost 7% today which I have 1/3 of emergency fund in. This is an ultra short bond but it is trading at a 8% discount. I assume/hope t...
by gpburdell
Thu Mar 12, 2020 1:27 pm
Forum: Personal Investments
Topic: Wash Sale Rule
Replies: 4
Views: 178

Re: Wash Sale Rule

I moved my parents taxable investments from T Rowe Price to Fidelty in early January. I had put a majority of it in VTI. I've already sold it all for ITOT and then sold all of that for SCHB the past couple weeks. I'm about to sell all of that for VOO or something else. They had 100k in capital gains...
by gpburdell
Wed Mar 11, 2020 12:43 pm
Forum: Personal Investments
Topic: How best to TLH ETFs at Fidelity
Replies: 11
Views: 528

Re: How best to TLH ETFs at Fidelity

As far as I can tell, I have to sell my ETF, wait a few days for the transaction to settle, and then buy a different ETF. I've tax loss harvest at Fidelity a couple times already over the past month. There is no need to wait to settle. Once you sell, the proceeds are immediately available to buy so...
by gpburdell
Wed Mar 04, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2514

Re: TV recommendations?

I bought a 65 inch Samsung Q80 last November and really like it. I seriously considered OLED but get not past the risk of burnin. I have a friend who does TV repairs for a major electronics retailer and he said they see lots of burnin issues with OLED. Since you already have plasma, that may not be...
by gpburdell
Fri Feb 21, 2020 6:35 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9981

Re: Has Vanguard deteriorated?

Should I reconsider moving? Thanks I love Vanguard investment products but not a fan of Vanguard as a financial services company. I used to have accounts at both Vanguard and Fidelity. After several years, I found Fidelity to be a much better experience. Once Vanguard ETFs became available, I moved...
by gpburdell
Fri Feb 14, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1648
Views: 235441

Re: Fidelity as a one stop shop

Does Fidelity offer Zelle? They don't as Fidelity isn't a bank. Zelle was created by a group of the larger US banks to compete with Venmo. You can apparently connect Fidelity directly to Paypal (who owns Venmo) but I haven't done it. Even if Fidelity supported Zelle, I probably wouldn't do it; at l...
by gpburdell
Thu Feb 06, 2020 12:20 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 137
Views: 11655

Re: who do you bank with and why?

Using Fidelity Cash Management Account. I have all my investments there and it's nice to have everything in one place.
by gpburdell
Sat Feb 01, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5436

Re: What's the difference between Uber and Lyft?

They're practically the same. A couple years ago I preferred Lyft, as you could tip in the app and was a completely cashless exercise while Uber did not allow that. Uber has since allowed tipping in the app. So now I check both and see which is cheaper. All things being equal I'll choose Lyft just b...
by gpburdell
Wed Jan 08, 2020 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80348

Re: Fidelity Free Turbotax 2019

Some private clients didn't get it. Sounds like it's only a necessary condition. Is anyone who got it NOT a private client? In that case, what does the top right in All Accounts show? Many mentioned their rep. Maybe you have to be a private client AND have a rep. Does anyone who got it NOT have a r...
by gpburdell
Mon Jan 06, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5596

Re: Jumper cables

Another supporter of a portable jump starter. BTW there is a previous topic portable jump starters with lots of useful information and experiences. Our personal choice is the NOCO GB40  Boost Plus . It has served us very well, including getting a car with a totally dead battery up and running. I've...
by gpburdell
Mon Dec 30, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: New couch
Replies: 10
Views: 919

Re: New couch

Try https://thewirecutter.com/reviews/best-online-sofa/ For brick and mortar stores, I think it's hard to beat Room and Board for quality and value, though it's not cheap. I moved into a new house last year and taking my time in buying furniture. Bought my bedroom furniture from Room & Board and ve...
by gpburdell
Mon Dec 30, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: WiFi Water Leak Detector Recommendations
Replies: 17
Views: 1533

Re: WiFi Water Leak Detector Recommendations

I use SmartThings for all my home automation and using the Samsung water leak sensors. I have it setup so that if it detects a leak it will alert on my phone and send a text message. Also, it will turn on all my smart bulbs and set them to a specific color.
by gpburdell
Mon Dec 30, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1580

Re: Good quality work/ dress shoes?

Allen Edmonds - in order of most to least dressy: Park Avenue, Fifth Avenue, Strand, McAllister. Wait for a 20% or 25% off sale if you can. I love my Fifth Ave in walnut. Also, I prefer the Dainite (rubber) sole instead of the standard leather one for the better traction. Not sure if it was because...
by gpburdell
Mon Dec 30, 2019 5:09 am
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1580

Re: Good quality work/ dress shoes?

Another vote for Allen Edmonds
by gpburdell
Wed Dec 18, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: What to expect buying a new 2020 "build your own" BMW
Replies: 40
Views: 3073

Re: What to expect buying a new 2020 "build your own" BMW

1) I believe so, if you're going to transfer the it. Just make sure your sales person knows this as they should do the paperwork with the county. I got a new plate when I took delivery of mine. 2) PCD is just a delivery option like European Delivery. The default delivery option is being delivered to...
by gpburdell
Wed Dec 18, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: What to expect buying a new 2020 "build your own" BMW
Replies: 40
Views: 3073

Re: What to expect buying a new 2020 "build your own" BMW

I custom ordered a M235 back in 2015. It took about 4 months to arrive from factory in Germany to east coast delivery. Yes, dealers/sales people get allocations to the cars in queue to be built and can change the options etc. The question is does your sales person have an actual allocation for the c...
by gpburdell
Fri Nov 01, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 20916

Re: New mattress

retiredjg wrote: Fri Nov 01, 2019 7:37 am How long have you had your Avocado and have you seen any "denting" in your pillowtop?
I've had mine over a year and no denting so far.
by gpburdell
Thu Oct 31, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 20916

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. Any updates re your Avocado Green mattress? We are thinking of getting o...
by gpburdell
Thu Oct 31, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 20916

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. Any updates re your Avocado Green mattress? We are thinking of getting o...
by gpburdell
Thu Oct 24, 2019 5:29 am
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 4274

Re: Wifi in 3000 sq ft house and garage

We have a 2 story, 3000 sq ft home (heavily insulated) with a detached garage. The garage is 1500 square feet and about 25 yards from the house. Internet cable comes into modem on 2nd floor. We bought a recommended tp-link Ac1750 router but wifi is intermittent at best when downstairs. Wifi is non ...
by gpburdell
Thu Sep 05, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 9
Views: 1315

Re: Zelle at Capital One

I use Zelle with my Capital One 360 account all the time. My brother pays me rent thru Zelle and my mom sends money from her Wells Fargo account to pay me back as I order alot of stuff from Amazon for her every month. We've been using it for at least a year and no issues and money is always sent in ...
by gpburdell
Wed Aug 21, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Ethernet, MoCA, House Wiring
Replies: 24
Views: 2327

Re: Ethernet, MoCA, House Wiring

Another vote for Ubiquiti. Love their stuff. Built a new house last year and ran CAT6 to almost every room. I've got 4 of the in wall APs and one AC-LR. The in wall units are very slick and the newest model supports decorative skins.
by gpburdell
Thu Aug 08, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 79
Views: 13004

Re: Schwab as a one stop shop

Well it's the same with Vanguard, no? I have to sell my Treasury Money Market and put it in the Federal Money Market Fund before i can buy something else unless I'm exchanging into a Vanguard mutual fund. With Fidelity you don't have to manually sell your money market fund, it's done automatically ...
by gpburdell
Wed Aug 07, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: wifi router, too many options!
Replies: 41
Views: 3396

Re: wifi router, too many options!

Ah yes, I meant Ubiquiti. The Amplifi HD system had these weird-looking plug-in satellite units that seem like a really bad idea if you have pets or small children, but the newer Amplifi Instant consists of two much more normal-looking squares. $153 at Best Buy. ETA: An alternative at around the sa...
by gpburdell
Thu Jul 11, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Wyze Cam reviews
Replies: 28
Views: 3078

Re: Wize Cam reviews

I have two Wyze cams. I've only had them a week, so I'm still learning the ins and outs. I have memory cards in each one, to improve the functionality. They seem to work well, and the price seems very good for what you get. I'm also not understanding the security worries. What exactly is the concer...
by gpburdell
Thu Jul 11, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Wyze Cam reviews
Replies: 28
Views: 3078

Re: Wize Cam reviews

Possibly relevant - deliberate backdoor found in some Chinese made security cameras https://www.bloombergquint.com/business/banned-chinese-security-cameras-are-almost-impossible-to-remove I don't trust these cheap cameras. For anyone who is using them and similar products, I hope you're putting the...
by gpburdell
Wed Jul 10, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawal for buying a home
Replies: 9
Views: 1220

Re: 401k withdrawal for buying a home

Looks like the laws have changed a bit, but there are still deadlines, just longer: https://www.creditkarma.com/tax/i/401k-tax-reform-loan-repay/ The Tax Cuts and Jobs Act significantly extended the window to repay or roll over an outstanding balance on a 401(k) loan when a borrower leaves an emplo...
by gpburdell
Tue Jul 09, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawal for buying a home
Replies: 9
Views: 1220

Re: 401k withdrawal for buying a home

I'd avoid the 401k loan option - if your employer allows them, they typically only allow you to withdraw about 50% of the 401k value, and if your employment ends, the loan becomes due in full immediately. Whether a 401k loan becomes due in full upon leaving the company is up to each plan. I took ou...
by gpburdell
Fri Jun 28, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 184
Views: 36204

Re: Best cash-back credit card right now?

I use the Fido Visa cash back as my general spend card. I buy alot of stuff from Amazon so I have their Prime card which gives 5% back. Also, I have the CostCo credit card which gives 4% back on gas purchase from anywhere.
by gpburdell
Fri Jun 28, 2019 4:36 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 20154

Re: What percentage of total portfolio in REIT's do you have? Why?

I hold 10% for added diversification. I'm too lazy to buy rental properties so this is my way of getting some exposure there.
by gpburdell
Tue Jun 25, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 19626

Re: Purchasing Major Appliances from Costco

I bought a new Samsung refrigerator, washer, and dryer last year from Costco. As others mentioned with Costco, the Samsung manufacturer warranty is 2 years instead of the standard 1 year. Also, if you buy with the Costco credit card they extend the warranty another 2 years. Delivery and installation...
by gpburdell
Tue Jun 25, 2019 11:54 am
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1376

Re: Best place for temp cash in Fidelity HSA?

So the yield accounts for the expense ratio then? In that case, we can just compare yields between Vanguard and Fidelity MM and ignore the expense ratio? Yes and Yes. I use both SPRXX and FLOT to hold my cash/emergency funds. FLOT isn't a money market like SPRXX though but a bond fund. However, the...
by gpburdell
Fri Jun 21, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1648
Views: 235441

Re: Fidelity as a one stop shop

^ I don't think it's "too good to be true" because you're paying for the CMA through forfeited interest. While you can keep your CMA balance at $0 with a backup higher-earning money market account linked to your cash account, reading previous posts will underscore that this is not fool-proof and th...