Search found 3857 matches

by Ged
Wed Sep 23, 2020 9:59 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2769

Re: How Many Brokerage Companies Are Too Many?

Has anyone ever considered the possibility that some IT guy might accidentally delete your account? Yes, there will be backups, but how often do companies actually test their backups? You might find this document interesting: https://www.fdic.gov/news/financial-institution-letters/2020/fil20003a.pdf
by Ged
Wed Sep 23, 2020 9:52 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2769

Re: How Many Brokerage Companies Are Too Many?

I have assets at three brokerage companies. I like diversification for safety. I like SIPC Insurance. I'm curious if others have multiple brokerage accounts or consolidate into one. Pros/cons? We have two accounts, one in my name, one in my wife's name at one broker. Some of the assets in it were i...
by Ged
Fri Sep 18, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estate considerations with sibling living in home owned by parent
Replies: 33
Views: 2635

Re: Estate considerations with sibling living in home owned by parent

I had a very similar situation when I was executor of my father's estate. The only difference was that the parent's home mortgage was paid off. The will was also very simple. Share the value of the estate equally. What makes you think your sibling would like to remain in that home? It may be unsuita...
by Ged
Wed Sep 16, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 932

Re: Furnace / Air Maintenance and Covid-19?

I am much more worried about Dr visits.
by Ged
Tue Sep 15, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 14804

Re: charging an EV

I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitation? Bes...
by Ged
Mon Sep 14, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2664

Re: New Computer Setup for Photoshop

Instead of a machine with an SSD I would recommend an M.2 drive. Aren't M.2 drives SSDs? just a smaller form-factor (and generally faster but that should be confirmed). So if you get an M.2 drive you are getting an SSD. Yes, an M.2 drive (form factor) is an SSD. Perhaps OP meant an SSD with an NVMe...
by Ged
Mon Sep 14, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2664

Re: New Computer Setup for Photoshop

Instead of a machine with an SSD I would recommend an M.2 drive. These are 2-4 times faster. With photo processing you will notice the difference. I would also recommend a Ryzen processor with 8 cores. Photo editing will take advantage of the parallel processing these are capable of.
by Ged
Sun Sep 13, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3211

Re: Security question on one's passwords

I'm annoyed when a site requires your password to have at least one upper or lowercase letter, one number, a special character, etc. You'd think you were creating a pw to access the site for NORAD, but its just some internet forum. If I can't use the pw I want, sometimes I just don't join. Once you...
by Ged
Sat Sep 12, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 128
Views: 6201

Re: Please help me, need to buy a computer

If you have the option, we love buying our computers from Costco. They include an extra year of warranty at no charge. I recommend buying a laptop from Costco as well. One of the dark secrets of buying a laptop is that even if you get a DOA machine you usually cannot return it to the seller. You ha...
by Ged
Sat Sep 05, 2020 10:58 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8908

Re: Wife is "forcing" me to buy stock(s)

If I were to speculate in an individual company right now it would be NVIDIA.
by Ged
Thu Sep 03, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 144
Views: 9230

Re: PC Build Thread 2020

if you really want nvme gen 4, also look into the inland premium nvme gen4 (if you have a microcenter) or sabrent rocket gen4 . they are highly rated drives as well. nvme gen 3 aint nothing to sneeze at either. although if you are coming from SATA III, that is plenty fast too. the difference is mos...
by Ged
Mon Aug 31, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 5474

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

Leap V2. https://www.madisonseating.com/leap-chair-v2-by-steelcase.html?gclid=CjwKCAjw4KD0BRBUEiwA7MFNTddYjuxN311DMTO9L9aZSOkI_5aPTW3711DW4QHCa4vb_KH-UqjMTRoCUBUQAvD_BwE https://www.btod.com/blog/steelcase-leap-chair-review/ I refuse to buy a chair without adjustable seat depth, lumbar and arms. Th...
by Ged
Thu Aug 27, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fed wants inflation
Replies: 30
Views: 2958

Re: Fed wants inflation

vtMaps wrote: Thu Aug 27, 2020 10:31 am Is there anything they can do to actually increase inflation? --vtMaps
Nobody knows nuthin'
by Ged
Sat Aug 22, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13249

Re: Is it worth to relocate for retirement?

Don't forget to consider availability of medical care. That nice hospital with access to highly skilled specialists that is only 30 minutes away doesn't mean anything.....until you need it. 8-) I suppose I could have a larger house and lower other costs, especially real estate tax if I were to move...
by Ged
Thu Aug 20, 2020 1:17 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1770

Re: Over-allocated (70%) to well performing company stock

You didn't specify what percentage of your retirement number this is, or what percentage of your portfolio the quantity of shares that you cannot sell is. However I would certainly sell everything that you can up until you hit your retirement number. If you have amounts above your retirement number...
by Ged
Wed Aug 19, 2020 6:20 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1770

Re: Over-allocated (70%) to well performing company stock

You didn't specify what percentage of your retirement number this is, or what percentage of your portfolio the quantity of shares that you cannot sell is. However I would certainly sell everything that you can up until you hit your retirement number. If you have amounts above your retirement number,...
by Ged
Mon Aug 10, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing MIL's home as she moves to 55+ community: best practices
Replies: 18
Views: 1829

Re: Purchasing MIL's home as she moves to 55+ community: best practices

I would not touch the idea of being a landlord of property a few hours away for 10-15 years.
by Ged
Mon Jul 27, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 38
Views: 1987

Re: Question for gardeners - What is the best heburbicide to get rid of Canada Thistle?

I guess for thistle that I would weed-whack them before they went to seed to about 6 inches high, then spray what's left with glyphosate when there will be no rain for a few days. Pull off any flower heads, too. I would not cut the plants down before spraying with glyphosate. The herbicide is norma...
by Ged
Mon Jul 20, 2020 3:30 pm
Forum: Personal Investments
Topic: When to sell individual stock after run up?
Replies: 51
Views: 3831

Re: When to sell individual stock after run up?

Greetings BH community.... wondering your thoughts about when to sell an individual stock that has had a great run. During the market plummet in March, I bought a handful of tech and biotech stocks. In one of my favorite biotech stocks, I have a 181% gain and my total gain is $21k (short term). I h...
by Ged
Fri Jul 17, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: AT&T Fiber internet - modem/router
Replies: 9
Views: 518

Re: AT&T Fiber internet - rent modem/router?

fareastwarriors wrote: Fri Jul 17, 2020 1:43 pm Hi, I'm getting AT&T Fiber internet

My question is should I rent my modem/router?
I would never rent a router. I like having sole control of that for security reasons.

Modem I've done both, rent and buy. Right now I'm renting. It really depends on the options your service offers.
by Ged
Sun Jul 12, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4017

Re: Car, Remodel or Pool?

A car is a depreciating asset, and a pool club works well as an alternative to a pool. #2 is the obvious choice. 500 sq feet though is a BIG bedroom. I would sharpen my pencil a bit on that. In new construction homes the average master bedroom size is 224 square feet. Don't forget the impact on real...
by Ged
Mon Jun 29, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16475

Re: Best secure email to use instead of gmail?

Before leaving Google for one of these more recent offerings touting improved privacy or security consider that: 4) Google does not scan your emails for ad targeting. Google ended this practice in 2017. Unfortunately we don't have a way of verifying that Google isn't scanning our mail, for its own ...
by Ged
Sun Jun 28, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16475

Re: Best secure email to use instead of gmail?

Before leaving Google for one of these more recent offerings touting improved privacy or security consider that: 4) Google does not scan your emails for ad targeting. Google ended this practice in 2017. Unfortunately we don't have a way of verifying that Google isn't scanning our mail, for its own ...
by Ged
Sun Jun 28, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16475

Re: Best secure email to use instead of gmail?

I would vote Protonmail for anyone who doesn't want to setup their own mail server and encryption (and is concerned about security) Because of my IT experience I opted to set up my own email server. It has been an interesting journey. It offers some unique advantages but also some unique problems. ...
by Ged
Sun Jun 28, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Has Amazon ever called you to verify a purchase?
Replies: 28
Views: 2287

Re: Has Amazon ever called you to verify a purchase?

No. Amazon has never initiated a conversation of that nature with me. I have gotten a call from them but it's always been a return from a conversation I initiated.

And I am a very heavy Amazon user.
by Ged
Sun Jun 21, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to linking your Brokerage account to your Local Bank account?
Replies: 15
Views: 1224

Re: Any benefit to linking your Brokerage account to your Local Bank account?

I pay my credit cards from my brokerage account cash management function at Fidelity. This sometimes includes my local bank card. When I want to transfer funds to my local bank, say for unusual amounts of cash, I deposit a check written against my brokerage account to my local bank. I do not have a ...
by Ged
Tue Jun 16, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13473

Re: Parents in a tough situation for retirement

Your brother's plan sounds like it is full of risk, which is exactly what people like your parents do not need.

They need to find regular employment using whatever skills they have and work as long as they can to maximize their finances including Social Security.
by Ged
Thu Jun 11, 2020 10:34 pm
Forum: Investing - Theory, News & General
Topic: Do Any Bogleheads Consider Themselves Bears?
Replies: 51
Views: 2593

Re: Do Any Bogleheads Consider Themselves Bears?

Not either. I don't consider these categories useful.

The question for me is does the Boglehead methodology work. Can I predict when something else is a better approach?

Answers so far are yes and don't know.
by Ged
Thu Jun 11, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5562

Re: What Size Home For A Family?

McMansions exist to show off wealth and are a blight on neighborhoods. Larger homes = higher roofing costs, more expensive cooling/heating bills, more cleaning, higher maintenance, etc. Focus on floor plan. I would say 500sqft per person + 500sqft if you work from home. I’m new to these modern term...
by Ged
Tue Jun 09, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5454

Re: What happens to all my digitized photos when I die?

I am backing up my photos, which include the photos going back a couple of generations my family passed on to me that I've scanned or digitized, to M-disks. These are optical disks with an inorganic data layer. Testing and claims are the media should be stable for about 1000 years. Supposedly it's t...
by Ged
Mon Jun 08, 2020 11:51 am
Forum: Personal Investments
Topic: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?
Replies: 50
Views: 3647

Re: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?

GaryA505 wrote: Mon Jun 08, 2020 11:37 am Otherwise, bonds are just ballast.
In a storm ballast is what keeps the ship from capsizing.
by Ged
Wed Jun 03, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 30
Views: 1458

Re: Looking for Shredder Recommendations

There is are older threads on this topic.

viewtopic.php?t=208186

viewtopic.php?t=108666

I am still happy with my Amazon Basics 17 sheet shredder, however the model I purchased is no longer available.
by Ged
Wed Jun 03, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1209

First Model Year Acura

I am considering buying a new Acura TLX in the next year or so when the new model premium disappears.

What is the current thinking on buying a first model year vehicle? Is it still a risky thing, or has testing plus the general good record of Honda something that makes this issue just a boogey-man?
by Ged
Tue Jun 02, 2020 12:20 pm
Forum: Personal Investments
Topic: Fidelity Cash Management
Replies: 10
Views: 2535

Re: Fidelity Cash Management

I was just checking out Fidelity's cash management on their website. Is this truly a way to keep everything in one place? Any chance Vanguard would ever develop this option? I love the idea, but not sure if it's worth moving my ROTH to Fidelity. Also like the 2% back Visa they're holding. Any thoug...
by Ged
Sun May 24, 2020 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8976

Re: Investors: be aware of weakness in 2FA + strengthening

I switched my 2fa to google voice secured by a google key. I feel this gives the best security aside from completely going to a key system. +1 Or Googe Fi if you use them as your carrier. I use Google Fi as my carrier with my Google Account secured with Yubi keys. A backup key is stored in a safe d...
by Ged
Sat May 23, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7980

Re: NJ property taxes too high. What are my alternative states?

Our cousin, works elder law, says whatever ya do, don't die in NJ. Why can't you die in NJ? As far as I can tell there is no estate tax in NJ. Is there another reason? NJ estate tax was recently repealed but their 11%-16% inheritance tax is still in effect. It is retroactive to gifts up to three ye...
by Ged
Mon May 18, 2020 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4895

Re: How did you determine your target savings rate?

I determined the this by asking my father how much to save. He said 15%.

It worked out extremely well for me.
by Ged
Mon May 18, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: adult child moving back
Replies: 52
Views: 11006

Re: adult child moving back

Broken Man 1999 wrote: Wed Nov 13, 2019 4:52 pm
Multi-generation family living under one roof used to be pretty standard.

But, times change, and sometimes I think it was for the worse, in many cases.

Broken Man 1999
I think extended families make a whole lot of sense from an economic and social perspective.
by Ged
Sat May 16, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6696

Re: Alternatives to Craftsman Tools

Some of the brands I've had good luck with in the past few years:

Wiha Klein Bessey Wera Foredom Festool Bosch Porter-Cable Whiteside Bessey Fein.
by Ged
Fri May 01, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 79
Views: 6855

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

HawkeyePierce wrote: Thu Apr 30, 2020 12:00 am Schwab and M1 Finance both offer app-based 2FA.
As does Fidelity.
by Ged
Mon Apr 20, 2020 6:31 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8571

Re: Price of oil has collapsed; how will this impact the economy?

What does it mean for crude oil to turn negative? Those who buy crude oil will buy it for free and get additional cash per barrel for it? :shock: Assuming they have a place to store it Assuming you don't sell the future first. Or pay someone to take it off your hands. If you hold the future to expi...
by Ged
Mon Apr 20, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8571

Re: Price of oil has collapsed; how will this impact the economy?

Rainier wrote: Mon Apr 20, 2020 12:25 pm
DonIce wrote: Mon Apr 20, 2020 12:24 pm Dang, touched a low of $2.99.

I kind of want to take physical delivery of 1000 barrels for $3k haha.
Got a swimming pool?

BTW, CME just confirmed that oil futures can go negative.
Got a refinery? Crude oil is not going to be of much use to you.
by Ged
Sat Apr 18, 2020 11:07 am
Forum: Personal Investments
Topic: Where do we put 74 year old mother-in-laws money?
Replies: 16
Views: 1143

Re: Where do we put 74 year old mother-in-laws money?

Probably a lifestyle fund. However with more information we might come up with a more optimal suggestion.
by Ged
Sat Apr 11, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Yokohama vs Arizonian Tires
Replies: 11
Views: 1001

Re: Yokohama vs Arizonian Tires

Aside from Michelin and Avid you may want to consider Continental tires.
by Ged
Wed Apr 08, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Book suggestions for a 16 year old
Replies: 47
Views: 2225

Re: Book suggestions for a 16 year old

The Voyage of the Beagle
by Charles Darwin
by Ged
Thu Apr 02, 2020 10:05 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7626

Re: Anyone here depressed just looking at their portfolio?

I looked today because I pay my bills on the 2nd of the month and check my portfolio as part of that. Considering the magnitude of what has been going on I was happy with what I saw.

I do need to start thinking about re-balancing. I might re-think my ex-US allocation as well.
by Ged
Sun Mar 22, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Stay the course - socially responsible?
Replies: 9
Views: 601

Re: Stay the course - socially responsible?

Doesn't the invocation of the Defense Production Act sort of make this discussion moot?
by Ged
Sat Mar 21, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: Over Rebalancing.
Replies: 19
Views: 1475

Re: Over Rebalancing.

Lots of ReBalancing threads .... :? In the end, it has much less impact than you would expect. Check out the analysis done in this post . Emotional it does feel right to take advantage of a bargain, yet none of us knows when the next discount will occur. Also, where you are in the Investment Cycle ...
by Ged
Fri Mar 20, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: I cant "Stay the Course" - Rebalance/IPS
Replies: 56
Views: 4655

Re: I cant "Stay the Course" - Rebalance/IPS

Folks, Is there anyone who is NOT Rebalancing per their IPS Rebalance Band % and/or Time ? What is the reason you are Rebalancing or NOT Rebalancing ? When I got close to retirement I changed my IPS to exclude re-balancing into stocks because of the example of the market crash and long time to reco...
by Ged
Wed Mar 18, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Anybody else hoping for stocks to plummet?
Replies: 20
Views: 1165

Re: Anybody else hoping for stocks to plummet?

This recent correction has finally brought asset prices back down to earth. As a young investor, this could be a once in a lifetime buying opportunity. The current situation is dark, but the silver lining is that assets will be really cheap if this turns into a depression. I bought stocks (VTI, VWO...