Search found 1371 matches

by CFM300
Sat Nov 10, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 2988

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

To my shock and horror I stumbled on a Google section which had detailed history of all my flights and purchases over all the years. There is no option to delete this, nor to tell Google to stop this. Turns out that it scans Gmail emails and extracts whatever it finds, like flights and purchases. Y...
by CFM300
Tue Nov 06, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 907

Re: 403B, is mine even worth it?

I was thinking about Aspire but once I added up even the low fees without an advisor, I'm not sure if it would be worth it. ... Any suggestions? How long do you plan to be with your current employer? You're still young, and after you change employers you can move your 403b funds to a different low-...
by CFM300
Fri Nov 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1094

Re: Offsite data storage

But now I want to find an offsite backup for my home computer. I have about 20 TB that I currently back up from my home to my office. It does not actually change very often, I just like having an off site backup. Just in case my house burns down. Any thoughts on how I can continue to keep an offsit...
by CFM300
Fri Nov 02, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 48
Views: 7173

Re: retiring abroad with savings worth 200k...

There are countries where 1000$ is nowhere close to poverty but provide frugal but decent living for a family of 2 and pretty good living for one person. You would live in a nice city with very low dangerous crime and go to the opera, theater and philharmonic and spend your evenings drinking beer w...
by CFM300
Wed Oct 31, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a small wholesale/resale biz at local collective market -- should it be an LLC?
Replies: 7
Views: 614

Re: Starting a small wholesale/resale biz at local collective market -- should it be an LLC?

I highly recommend this book, which you might be able to find at your local library: The Small Business Start-Up Kit

[Edited to remove some apparently bad advice after reading Spirit Rider's response below.]
by CFM300
Mon Oct 29, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Self employment - health ins deductible
Replies: 20
Views: 3554

Re: Self employment - health ins deductible

Im a self employed <2 % owner of s Corp and deduct health insurance on line 29. The blue cross policy is in my spouses name and was “established” initially in 2003 when my business incorporated and blue cross has company name in their system. Can IRS disallow deduction from line 29 and move it to s...
by CFM300
Mon Oct 29, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3893

Re: Giving up on GoogleSpreadsheets. Need alternative.

i’d like it to work. It doesn’t. For example, =googlefinance(A1,”price”) returns an error. I can’t get it to work no matter what ticker symbol A1 is. I just opened a new Google spreadsheet, typed VTSMX in A1, and =googlefinance(A1) in A2. A2 now reads 61.47. I changed A2 to =googlefinance(A1,"price...
by CFM300
Tue Oct 23, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 671
Views: 98457

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

What happens if a CRV with a presently high oil level as a result of dilution is taken on, say, an hour-long highway trip. Does the gas then "vaporize" (as mentioned in the video) such that the oil level returns to normal by the end of the trip?
by CFM300
Wed Oct 10, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any Self Employed people near the ACA cliff experiencing this situation?
Replies: 7
Views: 608

Re: Any Self Employed people near the ACA cliff experiencing this situation?

I have ACA bronze plan (cheapest) with $18030 premium. When I enrolled I was able get $18000 Premium Tax credit (based on my guess for expected income). On Form 1040, I see $18030 on line 29 (SE Health Insurance Deduction). Did you pay $18,030 in premiums, or did you only pay $30 because of the $18...
by CFM300
Wed Oct 10, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 839

Re: Project FI promotion

Those who have experience with Project FI, do you like the service? How would you compare it to others? Fi works very well for me. Cell reception is terrible where I live. Verizon drove me nuts with missed/dropped calls. I was considering getting a landline, but then switched to Fi. Now my calls go...
by CFM300
Tue Oct 09, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4626

Re: Should I, and how, act on changes in managing diet and health?

With respect, I spent more than 20 years trying to consume fewer calories than i expended. Failed. OTOH, I’ve had resounding success with a new approach. Congratulations on your success. Can you elaborate? Success at losing weight or eliminating your needs for meds (or both)? Is the new approach wh...
by CFM300
Thu Oct 04, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2219

Re: U.S. mailing address/forwarding for expats

I'm moving to Mexico, where the local mail service is terrible. So I'd like an address I can have all U.S. mail sent to, and have the few important pieces forwarded (like anything from the IRS, replacement credit cards and so on). If the local Mexican mail service is terrible, won't you have troubl...
by CFM300
Thu Oct 04, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15529

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Austin - the not as good - There's no real Mexican food here, 99% of it is "tex-mex" (think cheese from a can.) Locals will get offended if you knock it, but the tex-mex is terrible. (Brisket in a taco?) You can find the good MX but it's an effort I thought Tacodeli was great and even Torchy's was ...
by CFM300
Sat Sep 29, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k - Timing of contributions?
Replies: 3
Views: 433

Re: Solo 401k - Timing of contributions?

Also when making the contribution, does funds need to be flagged as Employer or Employee contributions or given she is both the employer and the employee it doesn‘t matter? When I make contributions to my solo 401(k) at Vanguard, I have to designate whether the contribution is from the employee or ...
by CFM300
Sat Sep 29, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2485

Re: Car broker

Dave C. wrote:
Fri Sep 28, 2018 1:25 am
Any experiences with a "car broker"?
I've never used one, but it strikes me as just swapping tasks. Instead of researching car-buying methods and negotiating with dealers, I'd be researching "how to choose a car broker" and negotiating with them.
by CFM300
Wed Sep 26, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2447

Re: Car predicament

If they no longer want the car, replace/repair the engine and then sell the car and buy something else.

CarMax is selling a 2012 Kia Forte with 120,000 miles for $10k, so your family member should be able to sell theirs for at least the $5k balance of the loan.
by CFM300
Tue Sep 25, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a sibling
Replies: 26
Views: 3143

Re: Helping a sibling

I want to encourage them to follow up and not give up because it looks too hard, but I don't want to push. Sell them on the idea of lower-costs and simplification. Help them create a rough list of all of their accounts, holdings, and fees, and then show them how much better things could be: two IRA...
by CFM300
Tue Sep 25, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 31
Views: 3424

Re: Other Portfolios that aren't 3 fund

MarketWatch has a long-running contest of eight professionally designed portfolios. Click on any portfolio to see its funds: Paul B. Farrell's Lazy Portfolios Note: Allan Roth's "Second Grader's Starter Portfolio," is the same as the " The Three-Fund Portfolio ." It currently leads the pack. Becaus...
by CFM300
Sun Sep 23, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6654

Re: My Very First Smartphone — Please Critique This Plan

iceport wrote:
Sun Sep 23, 2018 7:17 pm
Consumer Cellular would be $35/mo. for 3 GB. $45/mo. for 5 GB
https://www.consumercellular.com/Plans
Yeah okay. That's looks good. I don't know anything about their coverage or speeds, but Wirecutter gives them a positive review:

https://thewirecutter.com/reviews/best- ... s-carrier/
by CFM300
Sun Sep 23, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6654

Re: My Very First Smartphone — Please Critique This Plan

Google Fi is intriguing, but it might prove a tad expensive. I still have no idea — whatsoever — how much data I'll consume, but a friend advised me that 3GB will not be enough for me. What plan are you considering that would be cheaper? And will you endure throttling? And will you be paying for th...
by CFM300
Sun Sep 23, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6654

Re: My Very First Smartphone — Please Critique This Plan

A great Boglehead approach would be to get Google Fi phone service with a Moto X4 Android One phone ($250 from the Fi website). This is what I have, and it is a great phone with an excellent camera. I especially like the ability to get phone service over WiFi when I'm deep inside a building. I have...
by CFM300
Fri Sep 07, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2548

Re: Certified Pre-Owned Cars (CPO): Is this normal?

It doesn't seem right to me. Feels like false advertising. Different state probably have different laws about what "certified" means. In California, for instance, I think it only means that a dealer must perform a "complete" inspection and that the car must meet certain conditions, such as having a...
by CFM300
Thu Sep 06, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3815

Re: Buying car online?

i got headache from being at the dealership and going through all paperwork, all the while worried if i was being taken for a ride while asked to sign in several places with little time/energy to read what is stated there Ah yes, the same dealer that tried to change the price on me at the last minu...
by CFM300
Thu Sep 06, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5960

Re: Elderly (innocent) relative received this horrible email

I thought everyone knew to put tape over their webcams? I mean, if Zuckerberg and Comey do it, shouldn't we all?
by CFM300
Thu Aug 30, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3815

Re: Buying car online?

The only advice I have is that once you decide where you're going to buy the car based on their quote that you make sure the dealer understands that you're going to arrive with a check already made out for the exact amount agreed upon and that if the price goes up for any reason, there will be no de...
by CFM300
Wed Aug 22, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2583

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

Artsdoctor wrote:
Wed Aug 22, 2018 6:04 pm
LOL! Yes. The law will decide for you.
And if you're content with what the law mandates, why do you need a will?
by CFM300
Tue Aug 21, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: All figured out
Replies: 20
Views: 2271

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

Would it make sense to write a letter to the IRS and ask them what to do?
by CFM300
Tue Aug 21, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6159

Re: I saved $3,200 on a $23,500 car with minimal stress.

I pretty much did the same when buying a Nissan Frontier. When I drove the 100 miles to the dealer, he leveled me an additional $500 not mentioned in the phone. I would normally have just walked away in principle. However, even with paying that extra $500, it is still the best deal I got compared t...
by CFM300
Tue Aug 14, 2018 2:09 am
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: 105874

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

HuckFinn wrote:
Tue Aug 14, 2018 1:15 am
$710,762.00 ahead because he chose to invest simply in the US and not add an International Fund.
He should have invested 100% his equity portion in QQQ (Nasdaq 100). Then he would have been more than $2.5 million ahead.
by CFM300
Thu Aug 09, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Root-friendly flagships equal to Galaxy S7
Replies: 13
Views: 1102

Re: Root-friendly flagships equal to Galaxy S7

Not sure why you want to root. Maybe one of these would do the trick? https://www.android.com/one/ I had a flagship Samsung for a while, but hated that the security updates were delayed and also that the carrier had loaded the phone with bloatware. Bought an Android One phone and it's been a joy. Go...
by CFM300
Thu Aug 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2735

Re: Junk Mail

Whats so hard about throwing the junk mail in the trash.? My mailbox is small and becomes full after just a few days because of all the junk I receive. I cannot increase the size of the box because it's part of a central cluster over which I have no control. Second, I receive a lot of advertisement...
by CFM300
Thu Jul 26, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Re: Seeking advice about "defective" computer

Thanks for all of the helpful advice. I've added an update to the original post.
by CFM300
Fri Jul 20, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 4777

Re: Acceptable uses...New Financial Chromebook

FPS_dapdap wrote:
Thu Jul 19, 2018 8:09 am
Can a Chromebook run excel and word?
Microsoft has free versions of Excel, Word, PowerPoint, etc. that run in any browser.

https://products.office.com/en-us/offic ... ice-online
by CFM300
Mon Jul 16, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Re: Seeking advice about "defective" computer

gostars wrote:
Mon Jul 16, 2018 12:21 am
Before replacing the motherboard...
Thanks for taking the time to document all of that for me. If I have to replace the motherboard, I'll follow your advice carefully.
by CFM300
Mon Jul 16, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 4087

Re: Did I get ripoff by this car mechanic?

Below are three links, one for each of the parts used in your repair. Each link shows the MSPR or list price for the part, which is identical to what your shop charged you. https://parts.sonshonda.com/products/Honda/CR-V/VALVE-ASSEMBLY--ROTARY/1482462/17120-PPA-A01.html http://hondapartsnetwork.com/...
by CFM300
Sun Jul 15, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Re: Seeking advice about "defective" computer

I would get the motherboard replaced. Dell's replacement parts tend to be high-quality because they're not interested in eating the cost of shipping a new board and having their repair contractor go back a second time to replace the board again. Biggest caveat I ran into at my old job (where we had...
by CFM300
Sun Jul 15, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Re: Seeking advice about "defective" computer

I'm mystified by "flea power", does this refer to the button cell?? From the Dell website: "Flea power is the residual static electricity that remains on the computer even after it has been powered off and the battery has been removed." I was told to unplug the power and then press and hold down th...
by CFM300
Sun Jul 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Re: Seeking advice about "defective" computer

Thanks for all of the replies so far. Additional information that some posters requested:

It's an Optiplex with a three-year warranty with on-site service, purchased with AMEX. Not sure of the specifics of purchase protection with the credit card, but I'm sure there are some.
by CFM300
Sun Jul 15, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1647

Seeking advice about "defective" computer

UPDATE: This turned into a bit of saga, because Dell said that I was past the 30-day window for a new replacement based on the SHIPPING date of the computer. I countered that that was ridiculous, and that the 30-day clock should begin when it arrived, at the earliest. (I actually didn't boot the PC...
by CFM300
Fri Jul 06, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Your explanation of "volume" is helpful, but my engineering mind is going nuts trying to understand how this ever got confused with basic mechanical physics. It does not compute. Moving a force (weight, F = ma) over a distance is Work or Energy expended. See: Work = Energy Expended . Volume = a 3-d...
by CFM300
Thu Jul 05, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Not quite sure what "volume" is though.... Unfortunately, the term is used ambiguously by strength coaches. Suppose you perform 3 sets of 10 repetitions of an exercise using 150#. Some will say that the volume is the number of sets multiplied by the number of reps, so 30. Others will include the we...
by CFM300
Thu Jul 05, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

Squats are really hard. Deadlifts are really hard. Walking lunges are really hard and they all should be. You feel like a truck ran over you the next day, but that is part of the process. THAT is a huge misconception. Many simple, effective progressions will not produce significant soreness. Many p...
by CFM300
Wed Jul 04, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

Lifted my first barbell ever 9 months ago at age 35 when I joined a local CrossFit gym. I'm a skinny guy with no upper body strength (I'm really close to passing 100# on a clean and jerk), so has been a slow build up, but absolutely love it. Changed everything about my health: my back, knees, and h...
by CFM300
Wed Jul 04, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7018

Re: Older Women Lifting Weights

I have coached many women -- from high school girls to women in their 40's, 50's, 60's. Every single one of them performed squats, deadlifts, bench press, and overhead press. Those are all just stylized, scalable versions of natural human movements. Deadlifts are just picking something up off the gr...
by CFM300
Wed Jul 04, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

In true Starting Strength fashion, I think the "three-lift portfolio" is the overhead press, squat, and deadlift. Starting Strength also includes the power clean and the bench press, so if we're going to pick just three exercises, I think there are lots of reasonable permutations. The three you've ...
by CFM300
Tue Jul 03, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

In all seriousness, I can't stand Rippetoe's low-bar squat mechanics. Really? Switching to low-bar improved things considerably for me. I can do more weight, it feels better, etc. I realize that a lot of people like it and use it successfully. Not me. I no longer coach it either, except in limited ...
by CFM300
Tue Jul 03, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

...I was struck by the parallels in philosophy and the sometimes militant adherence/advocacy between the 3-fund approach here and the Rippetoe/SS methodology... I think the true 3-fund approach would be Bill Starr's program from the Strongest Shall Survive : Squat, Power Clean, Bench. In all seriou...
by CFM300
Tue Jul 03, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

What happens when you reach a maximum and you can no longer exceed that? Is that how you know your maximum fitness level? Then what. Now that I'm over 50, I've found that I have to train hard and strive for improvement just to maintain what I have. This applies not only to strength, but also endura...
by CFM300
Mon Jul 02, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8905

Re: Any Boglehead powerlifters?

I do the slow lifts (squat, deadlift, bench, press), but really enjoy the fast ones (snatch, clean & jerk). I also enjoy trail runs, sprints, and CrossFit-style metcons. Mid 50's.