Search found 1163 matches

by random_walker_77
Tue Sep 29, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 205
Views: 13033

Re: A simpler car.

IMHO, the best thing, from a safety perspective, is not the bells and whistles on a car. It's YOU (the collective folks behind the wheel). It's defensive driving lessons to understand car weight dynamics, learning how to avoid getting into accidents in the first place, and how to bring your car bac...
by random_walker_77
Mon Sep 28, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 66
Views: 5141

Re: What are subscriptions that add the most value?

The Economist (for my current rate of $47.99/year) Is The Economist rate for print or digital? We used to get print only but miraculously scored print + digital for, I think, $200 for a 2-year subscription. Would do that again in a heart beat, but I doubt that rate will be possible again. Also, one...
by random_walker_77
Mon Sep 28, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Does anyone recommend this $350 laptop?
Replies: 50
Views: 3185

Re: Does anyone recommend this $350 laptop?

Don't buy a Windows S machine, you wouldn't even be able to install Chrome. Unless there is some way to upgrade out of S mode, for a while Microsoft was letting users do this for free, that may still be the case. The ArsTechnica review someone posted above probably has good information. From what I...
by random_walker_77
Sun Sep 27, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 53
Views: 3286

Re: bare-bones phone and cheapest prepaid plan for a kid

"Tracfone Moto e5 Cell Phone + 1 Year of Service with 1500 MIN/1500 Text/1500MB" https://www.ebay.com/itm/Tracfone-Moto-e5-Cell-Phone-1-Year-of-Service-with-1500-MIN-1500-Text-1500MB/283873320845 Note that 1500 min is not per month. It's for the year. This one is coincidentally down to $30 for a ye...
by random_walker_77
Sun Sep 27, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 70
Views: 3799

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

If your health is OK, those are walks, not drives. Or ride a bike if you like. If you insist on driving, put the battery on a battery maintainer which is a charger that shuts off once the battery is fully charged. Connect it from the time you arrive home to the time you leave the next day. Not a tr...
by random_walker_77
Sun Sep 27, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Taxes [When are capital gains taxes paid?]
Replies: 8
Views: 561

Re: Taxes [When are capital gains taxes paid?]

As I understand it, in theory we have a pay as you go system. If you sell near the beginning of the calendar year, you theoretically owe it in Q1 and would pay it with your Q1 estimated taxes. In practice, people pay just enough estimated taxes to qualify for the "Safe Harbor" provision and then pay...
by random_walker_77
Fri Sep 25, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Home Listing Mess-Up
Replies: 36
Views: 3806

Re: Home Listing Mess-Up

In my area, it's also been typical for buyer's agents to show the house without a seller's agent present. The buyer's agent just drops off a business card to show that they've been there. If you're worried about buyer's touring with just a buyer's agent, then you really don't want an open house and ...
by random_walker_77
Fri Sep 25, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

There is a great deal on a Sabrent Rocket Q 4.0 m.2 drive right now on amazon. Sabrent Rocket Q 4.0 on Amazon Make sure you select the coupon! I might be a little salty as I just paid full price a few weeks ago. Compared with a lower end m.2 drive (WD Blue) and Samgung SATA SSD when I benchmark: Sa...
by random_walker_77
Fri Sep 25, 2020 8:37 am
Forum: Personal Investments
Topic: VTSAX for roughly 10 year investment?
Replies: 11
Views: 1769

Re: VTSAX for roughly 10 year investment?

If we're looking at arbitrary 10-year periods of stock performance, check out 2000 - 2010. Tell me about it. I started seriously investing in 2000, and it was quite disheartening to look in 2010 and see that the 10 yr return on those initial investments was roughly 0, and certainly worse than if I'...
by random_walker_77
Thu Sep 24, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 205
Views: 13033

Re: A simpler car.

That's actually a bit alarming. I know the Leaf had a battery longevity issue originally, but I thought they had improved that. Why is their resale value so terrible? I hadn't looked at this before, but now that I'm looking around on Autotrader and on car valuation sites, it appears people are more...
by random_walker_77
Thu Sep 24, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 53
Views: 3286

Re: bare-bones phone and cheapest prepaid plan for a kid

(Looked it up and the data refills have gone up slightly: extra data that's good for the current month only is $15 for 1GB, $5 for 250MB, or $2 for 100MB. Still seems reasonable for my purposes, given that I'm paying just $5 per month, with no extra taxes or fees) That's higher than the $10/GB or l...
by random_walker_77
Thu Sep 24, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 15799

Re: Physicians: Should I leave my job?

OP is offended that the wRVU accounting period isn't really the Jan-Dec calendar year, but in practice is more like October-September. Is this practice the norm, or is his hospital unique here? If anything, this sounds like a misunderstanding, and the resulting disappointment is "poisoning the well."
by random_walker_77
Thu Sep 24, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 205
Views: 13033

Re: A simpler car.

On the original subject, I do understand the desire for simplicity, but you lose so much in safety features that I wouldn't go that route myself. For example my 2005 and 2011 cars have no backup sensors, camera, or cross-traffic sensors. Just recently I almost backed into a child who was too low fo...
by random_walker_77
Thu Sep 24, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 205
Views: 13033

Re: A simpler car.

I’m about to buy a Ford Mustang that’s almost as old as I am. I guess that won’t be a Boglehead-approved purchase? No airbags. Electric nothing. Heck, it’s even carbureted and has a manual transmission. The horrors! eh, it could be fun, but you're taking a risk. Might be worth it to you, but do und...
by random_walker_77
Wed Sep 23, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 53
Views: 3286

Re: bare-bones phone and cheapest prepaid plan for a kid

Consider the red pocket prepaid ebay plans. They offer service on any of the major networks -- we chose Verizon. We're on their $ 60/yr ebay option , which is 100 min, 100 text, 500MB (per month). They've also got a $30/yr ebay option if you use the sprint network, which is 200min, 1000 texts, 200MB...
by random_walker_77
Wed Sep 23, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7308

Re: Why buy medical insurance ?

The cash pay rate the hospital will accept from an uninsured patient is frequently less than the insurance company's negotiated rate. It is common for hospitals to have standard 50-75% discount from the chargemaster for cash payment, which is often better than the insurer's "negotiated" discount. S...
by random_walker_77
Wed Sep 23, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 205
Views: 13033

Re: A simpler car.

I have a 2005, and I'm content with it. When it goes, though, I'll get whatever's current. They clearly don't make them like they used to. And that's a good thing. Music to my ears b/c so many cars of yester-year are absolute junk by today's standards. Cars have been structurally improved over the ...
by random_walker_77
Wed Sep 23, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7308

Re: Why buy medical insurance ?

If you choose to go without, well, how about figuring out how best to protect your assets in the event of medical bankruptcy, and do some pre-planning. Hopefully you would never need to implement the full plan. US healthcare financing is a mess. Medical bankruptcy isn't even the worst case. I'd arg...
by random_walker_77
Wed Sep 23, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Hopefully this is message isn't considered "hijacking" a thread. I am building TWO gaming machines. One for each of my boys. The case I selected only have two fans and I am concerned about heat management. Generally speaking, what is an acceptable temperature inside a computer case? Any advice on h...
by random_walker_77
Wed Sep 23, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7308

Re: Why buy medical insurance ?

Honestly, I wish my employer offered unsubsidized retiree coverage. In my part of the country, there aren't any individual plans with extensive nationwide networks (similar to a cigna PPO). The ACA and non-ACA plans have very limited local networks, which means that travel medical insurance may beco...
by random_walker_77
Tue Sep 22, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7308

Re: Why buy medical insurance ?

You can't usually get a good estimate of the cost of an operation ahead of time, and the provider won't go through with it unless they know they'll get paid. There's an asymmetry of information and you can't always find out what it should cost, and you have little leverage to negotiate a fair price ...
by random_walker_77
Tue Sep 22, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Camping Lantern
Replies: 44
Views: 2397

Re: Camping Lantern

Headlights are great, but if you're car camping and wanted a light to illuminate your tent or a picnic table, consider a USB lightbulb like this: https://smile.amazon.com/Onite-20-US24USB3W-WW-Warehouse-Emergency-WarmWhite/dp/B00QX096L0 Pair it with a battery bank and you're good to run it for many ...
by random_walker_77
Mon Sep 21, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1511

Re: stand up freezer for garage

We want a stand up freezer for our garage. We bought a GE from Lowes with a scheduled delivery but now are just getting the runaround. I know there are delays, at least for some makers and products. We are willing to wait a reasonable time, size and brand are negotiable, 15-22 cu ft would be OK. Su...
by random_walker_77
Mon Sep 21, 2020 3:59 pm
Forum: Personal Investments
Topic: Contemplating retiring in about a year: are we ready?
Replies: 9
Views: 2409

Re: Contemplating retiring in about a year: are we ready?

You're good to go. Between the pensions, trust payout, and dividends on your "low 7 figure" investments, you're good. The health insurance is a sweetheart deal, and even if it goes away, you're in good shape.

You can use https://ssa.tools/ to get a better estimate on social security.
by random_walker_77
Mon Sep 21, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: The relentless rules of humble arithmetic
Replies: 19
Views: 3699

Re: The relentless rules of humble arithmetic

Thank you! I had not read this before, and I think it's even better than the "Relentless Rules of Humble Arithmetic" paper (which is also pretty good).
by random_walker_77
Mon Sep 21, 2020 2:22 pm
Forum: Investing - Theory, News & General
Topic: The relentless rules of humble arithmetic
Replies: 19
Views: 3699

Re: The relentless rules of humble arithmetic

As maxims go, this one is utterly perfect. I have no need for another. But given the smart and well-versed folks here, I’m curious what you think: any imperfections? Cost Matters Hypothesis • Overwhelming evidence • Obvious explanation • Tautologically true vs Efficient Market Hypothesis • Strong e...
by random_walker_77
Sun Sep 20, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9681

Re: Quicken Disaster!

Yes, definitely backup and also export your data. You might also try exporting everything in QIF format as per
https://wiki.gnucash.org/wiki/Quicken_Migration
and
https://www.quicken.com/support/how-do- ... ta-quicken
by random_walker_77
Fri Sep 18, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20706

Re: Preparing for retirement in mid 30s

I question whether a food budget can be halved by simply moving to a LCOL? I don’t think it can. Cost of food isn’t materially different from one place to another, unless you’re talking about a lifestyle change (I.e. no longer going out to eat, etc). But again that’s more about your ability/desire ...
by random_walker_77
Thu Sep 17, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20706

Re: Preparing for retirement in mid 30s

I think you are confounding the higher percentage of income they will tap and the lower percentage of assets that they consider fair game in determining EFC. 12% of $1.5M is $180k. Hard to plead need, but loans and/or merit scholarships are an option. You probably know this, but wanted to clarify f...
by random_walker_77
Wed Sep 16, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20706

Re: Preparing for retirement in mid 30s

Retiring in your 30’s with a $1.5M portfolio and a solid plan to spend the rest of your life on healthcare intended for the poor. Very classy. I'm ambivalent about the ACA subsidies, but to be fair a) it's not just intended for the poor (that'd be medicaid) and b) to get $1.5M that young, they've b...
by random_walker_77
Wed Sep 16, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 20706

Re: Preparing for retirement in mid 30s

The biggest flaw I see is your ability to control your taxable income and how that may affect your plans for medical. You are in danger of too little for ACA subsidies, but too many assets for Medicaid. Good point about ACA. I will need to figure out how the ACA system works. Maybe dividend and bon...
by random_walker_77
Wed Sep 16, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1151

Re: Web-Cam

I'm not so sure I'd put stock in a conspiracy theory about USB hacking, and if so, why not also a mouse, usb drive, or usb charger? Nearly everything is made overseas -- it's just a question of whether a US company has put their name on it FYI, USB mouse, USB drive can hack a computer. I need to be...
by random_walker_77
Wed Sep 16, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1151

Re: Web-Cam

If it has no privacy cover, you can unplug it or make you own cover with a cardboard. The cheapest solution is to just use a post-it note to cover the camera... You can also buy slider covers that will stick to your webcam or phone. Here's 4 for under $2: https://www.ebay.com/itm/3-1-Pieces-Webcam-...
by random_walker_77
Wed Sep 16, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1151

Re: Web-Cam

Conspiracy theorists say a cheap Chinese webcam can steal your infor. I don't believe it 100% but any time you plug a USB device, it's a potential security risk. If budget is not an issue, I'd get one from a reputable company. In addition to making camera a webcam, I read you can also make your sma...
by random_walker_77
Tue Sep 15, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1151

Re: Web-Cam

I bought a no-name webcam off of amazon last month. $54 after coupon for this "emeet C960", but it appears to be down to $45 after coupon right now: https://smile.amazon.com/gp/product/B07M6Y7355 It's wide angle, and very clear. Does well in low light conditions, and I've seen it work well with both...
by random_walker_77
Tue Sep 15, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6808

Re: Coping with Wildfire smoke

I might suggest building a couple of box fan filters. (Get a couple of 20" box fans for $20 a pop, get a couple high perf 3M filters rated for allergens, bacteria, and viruses, and tape a filter onto each fan) Clever idea ... but the filters are all out of stock at HD, Lowes and Amazon. I'll be rea...
by random_walker_77
Tue Sep 15, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6808

Re: Coping with Wildfire smoke

I might suggest building a couple of box fan filters. (Get a couple of 20" box fans for $20 a pop, get a couple high perf 3M filters rated for allergens, bacteria, and viruses, and tape a filter onto each fan) People with particle counters have tested them and found that they're quite effective at c...
by random_walker_77
Tue Sep 15, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Best platform for selling used car?
Replies: 20
Views: 1849

Re: Best platform for selling used car?

Good tips above. You can also post to cargurus.com After washing, I recommend applying nufinish, which helps an older vehicle look shiny. If there are any known issues, disclose. You want anyone who comes to be serious and ready to buy if your car matches their expectations. Help set those expectati...
by random_walker_77
Mon Sep 14, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to find an OLD W-2 info?
Replies: 6
Views: 408

Re: How to find an OLD W-2 info?

If none of that comes through, you can also request a tax return transcript w/ W2: https://www.irs.gov/faqs/irs-procedures/copies-transcripts/transcript-or-copy-of-form-w-2 (thanks to katietsu who pointed out that tax return transcripts and copies don't go back that far. Sounds like only 6 years, s...
by random_walker_77
Mon Sep 14, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Dollar Limits on ACH or EFT transfers for online banking
Replies: 14
Views: 959

Re: Dollar Limits on ACH or EFT transfers for online banking

In this post, user "sandtrap" posted that vanguard customer service told him that Vanguard has a very high ACH pull limit of 50M: https://www.bogleheads.org/forum/viewtopic.php?p=3181517#p3181517 That's effectively unlimited, as far as I'm concerned. I certainly hope that an ACH request of that magn...
by random_walker_77
Mon Sep 14, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Dollar Limits on ACH or EFT transfers for online banking
Replies: 14
Views: 959

Re: Dollar Limits on ACH or EFT transfers for online banking

I've used brokerages for high limit EFT, Fidelity is 250k/day and Schwab is probably similar. Banks around here have lower limits unless you've got a high end checking account or private banking status. Yes, brokerages seem to have high limits. Schwab was 100K per transfer, and I seem to recall tha...
by random_walker_77
Sun Sep 13, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: What's this bug?
Replies: 34
Views: 2556

Re: What's this bug?

Murder hornet: Murder hornets: USA's First male captured in Washington state This is bad news for bees. Based on the coloration of the legs, it looks a lot more like a robber fly than a murder hornet. Either way, be glad it's not a tarantula hawk, which are often flying around in my yard. Wired mag...
by random_walker_77
Sun Sep 13, 2020 9:14 pm
Forum: Personal Investments
Topic: Thanks in advance [investing inheritance]
Replies: 12
Views: 752

Re: Balanced Vanguard or pick Total Stock and Total Bond

1) Your allocation for what you do with this money seems reasonable. 2) From what I understand, in most states, your inheritance is yours alone, even if married, until you commingle it with marital assets. Keep it in its own account and it is never at risk if you should suffer the misfortune of a di...
by random_walker_77
Sun Sep 13, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 5963

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

Thanks for your thoughts. First, I think you only go to police if you know about elder abuse when parent is alive. Also Adult Protective Services. But I learned about neglect and financial abuse after he died. The stealing happened within a few weeks before he died. I have a copy of all my dad's le...
by random_walker_77
Sun Sep 13, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 5963

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

Irrespective of any civil actions, it was a crime and please do consider reporting this financial elder abuse. Your lawyer can advise on how to get it taken seriously:

https://www.justice.gov/elderjustice/roadmap
by random_walker_77
Sun Sep 13, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2275

Re: Prius owners...advice?

Get a OBDII dongle to pull the codes from the vehicle and check the health of the high voltage battery. Here's a random article about the dr prius app: https://www.torquenews.com/8113/how-understand-toyota-prius-battery-health-using-dr-prius-app You can also research this more over on priuschat.com ...
by random_walker_77
Sun Sep 13, 2020 10:49 am
Forum: Personal Investments
Topic: Advice needed on current portfolio :)
Replies: 18
Views: 1617

Re: Advice needed on current portfolio :)

Also, I know that money needed within 5 years (e.g. home down payments) is not good to be invested in stocks.. But today, the interest rate from a savings account is very low (1% is the max thesedays) as well as the money market. What would be the best place to hold this fund? Try a CD. 3 to 5 year...
by random_walker_77
Fri Sep 11, 2020 9:41 pm
Forum: Personal Investments
Topic: Simplifying portfolio to a 4-fund tax efficient mix
Replies: 3
Views: 539

Re: Simplifying portfolio to a 4-fund tax efficient mix

Sounds pretty reasonable to me. Go for it!
by random_walker_77
Fri Sep 11, 2020 9:26 pm
Forum: Personal Investments
Topic: Advice needed on current portfolio :)
Replies: 18
Views: 1617

Re: Advice needed on current portfolio :)

Money you need in 3-5 years (i.e. home downpayment) should not be in stocks. Consider 90/10 for your allocation. Note that returns for 80/20, 90/10 and 100/0 aren't too different, but your volatility is higher for 100/0. Having some bonds to back up your emergency fund is really nice when everything...
by random_walker_77
Fri Sep 11, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11593

Re: Should we buy a $3M+ house with parental help?

If someone could point to something similar to the first house listed for under $500K in a suburb of a major US city that would be great. Looks essentially like my wife's dream home and under $500K would be very affordable for us (and within my comfort level for a house purchase). This one in Round...