Search found 551 matches

by yatesd
Sat Feb 23, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: Does investing actually help a company ?
Replies: 26
Views: 1231

Re: Does investing actually help a company ?

Issuing stocks and bonds is how a company raises capital. So directly or indirectly you are helping the company and making a bet they will be more successful or less risky than other options. I use index funds but this is one reason that I tend to do a little more home bias and I suspect a reason ot...
by yatesd
Mon Jan 28, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort with 9 year old?
Replies: 16
Views: 2110

Re: All inclusive resort with 9 year old?

If you enjoy a quieter experience the Fairmont Mayakoba in Playa Del Carmen with their inclusive option is a great option. Cheap flights to Cancun.

Another option that would tempt me with a 9 year old would be Xcaret.
https://www.xcaret.com/en/hotel-xcaret-mexico/
by yatesd
Mon Jan 28, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 12827

Re: What is the best all-inclusive resort you have ever visi

Peter Island Resort - British Virgin Islands Beautiful location, top notch food. I think alcoholic drinks were billed separately however. We did Peter's island about 26 years ago for our honeymoon and still have great memories. Last year we enjoyed Fairmont Mayakoba in Playa Del Carmen using their ...
by yatesd
Sun Jan 20, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Internet filtering for kids
Replies: 9
Views: 323

Re: Internet filtering for kids

I personally use a combination of Microsoft family safety (free) and Qustodio (charge but works across multiple devices.

Microsoft Family Safety
https://account.microsoft.com/family/

Qustodio
https://www.qustodio.com/en/
by yatesd
Tue Jan 08, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3143

Re: Expensive DSLR through airport security

I am a Known Traveler and always get TSA pre-check. I didn't know you liked to travel :wink: It does make things easier and some credit cards will pay for the Global Entry fee. I don't remember having to remove any camera stuff from it's bag. That being said, my camera bags usually look like a came...
by yatesd
Tue Jan 08, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12845

Beretta 9mm

I personally own a Beretta 92FS 9mm. I'm surprised more people aren't recommending a Beretta 9mm. A 500+ year old company known for making great quality guns. I bought mine many years ago and chose the Beretta for a few reasons. At the time I liked the ambidextrous design (left handed) and few optio...
by yatesd
Sat Jan 05, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 50
Views: 4123

Re: How old is too old to buy a house?

I'm 48 so can't really provide guidance from experience. However, at some point in your life money should work for you and the financial implications shouldn't matter. So if it's been a lifelong dream it doesn't really matter if you enjoy it for 6-months or 5 years and change your mind. Hopefully yo...
by yatesd
Sat Dec 08, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1638

Re: iPad Pro vs Microsoft Surface

I'm a huge fan of Lightroom and even though I'm not in the market for a tablet this question had me looking at a few reviews...maybe I was bored. ;-) Anyway, our family has a Macbook Pro and a Microsoft Surface Book II so I'd like to think I'm not too biased toward either ecosystem. From reading a f...
by yatesd
Fri Dec 07, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1638

Re: iPad Pro vs Microsoft Surface

This article looks pretty balanced. https://www.laptopmag.com/articles/apple-ipad-pro-2018-vs-microsoft-surface-pro-6 iPad Pro for performance, small bezel, size Surface Pro for keyboard, office, compatibility Seems like they are both decent options...may come down to which one offers the actual bes...
by yatesd
Sun Dec 02, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 794

Re: Transfer iphone photos to Windows 10 PC

+1 for simply installing the "One Drive" app and synchronizing with Windows 10. This is easy and automatic, just start the process when connected to decent wifi. - Google has Google Drive/Photos - Apple has iCloud - Windows uses One Drive It will take about 5 minutes to setup and your photos will be...
by yatesd
Wed Oct 24, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4149

Re: Coffee grinder

OK, a few comments: - I agree with buying coffee roasted the same day that it is shipped. I buy 5 pounds at a time in a resealable bag and freeze. I usually can buy decent coffee for about $10 a pound. www.redbird.com www.paradiseroasters.com - I've own the $90 Capresso Grinder and it works well for...
by yatesd
Mon Oct 22, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4942

Re: Beer - Strong German Style Lagers

We have a Gordon Biersch in Annapolis and pretty pleased with the freshness of the German themed beer.
https://gordonbiersch.com/
by yatesd
Sun Oct 21, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6179

Re: Pull kids from school for vacations?

We are committed to giving our daughter a great education. Our school considers any absence inexcusable which I think is ridiculous. A few thoughts: - Ideally no more than 1 or 2 weeks missed and with rare exception shouldn't be at the same time - I hate crowds and overpaying for vacation. I agree w...
by yatesd
Fri Oct 19, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5135

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Just because most large companies do things certain ways doesn't mean an employer is required or obligated to provide the benefit. - Most states don't require pay during the notice period, but culturally it is pretty standard - Most states don't require payment of accrued vacation, but it is common ...
by yatesd
Mon Oct 15, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2533

Re: How do you buy a mattress ?

I researched this site: https://www.themattressunderground.com/ Gave up on all the variations of memory foam mattresses and decided to go with 100% latex. Ultimately chose this brand and pleased with the decision: https://spindlemattress.com/ That said, I wouldn't buy latex for a trailer since it is...
by yatesd
Sun Oct 14, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5453

Re: Need new email address. Gmail or ???

Another vote for outlook.com , it is free and you are much more likely to get a normal sounding email address. I also have a gmail account and use both (well, technically google apps). I use the free outlook.com email for personal business. Also, keep in mind that you can forward either address to t...
by yatesd
Thu Oct 11, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3340

Re: Budget Coffee

I buy 5lbs at a time and keep in the freezer. Usually spend less than $60 and the coffee is roasted the day it ships. Most of these bags are resealable.

https://redbirdcoffee.com/

https://paradiseroasters.com/

https://www.mtnairroasting.com/

https://dragonflycoffeeroasters.com/
by yatesd
Sat Sep 22, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1848

Re: HVAC Options -- Any advice?

I live in a DC suburb and received the following quote from a very reputable / established local company (about half our neighborhood uses them), for a 2,100 square foot (2,700 with basement) well-built / renovated split level from the 1950s. -- One Lennox EL296UH090XE48C Two-Stage Furnace with ECM...
by yatesd
Sun Sep 16, 2018 6:54 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5756

Re: Employer won't Match 401k. Why?

I am responsible for the 401K plan at a 50ish employee company. When I came onboard, we had a 401K with high fees but "no cost" to the employer. A few years ago, we switched to a 401K plan using Vanguard (actually Ascensus, which is also a hassle. Employers with less than $20M in assets can't work w...
by yatesd
Sun Sep 16, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 9185

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

The first few shoes early in my career were cheap shoes, mid-priced Rockports, then I moved up to Florsheim/Bostonian brands. I like Allen Edmonds because I can usually find what I need in the clearance section for $125 - $175. These are US made, recraftable, and comfortable. - When I needed to wear...
by yatesd
Mon Aug 27, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3754

Re: Best ultra thin pocket knife?

I also enjoy my benchmade, but for work in a dress environment nothing beats a Leatherman Micra. The scissors are great!
https://www.leatherman.com/micra-20.html
by yatesd
Thu Aug 23, 2018 8:32 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 333

Re: Small company 401k (again)

That's why I asked where you were located. The one that we use is called, "Strategic Financial Associates" and they have a wealth management side of the business. They will occasionally remind us of this additional offering but have never pressured us to participate (and not aware of any employees t...
by yatesd
Thu Aug 23, 2018 7:58 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 333

Re: Small company 401k (again)

Where are you located? We are happy with our choice in the DC area.
by yatesd
Thu Aug 23, 2018 7:56 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 333

Re: Small company 401k (again)

We have a small company of about 55 employees. We use a broker for our health benefits and believe they charge a flat $3,500 fee to manage our Ascensus relationship. Once a year during open enrollment they spend about an hour in front of the employees going over all the benefits (including 401K). St...
by yatesd
Wed Aug 22, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17243

Re: Good Non-Boring Boglehead Cars Under $30k

OP, if you worked a little harder in life, you could be shopping for a 3rd Gen (MY 2013 - 2016) Porsche Boxster. My local dealer has a certified 2013 for $38k with ~21k miles on the clock. By far, this car blows every other suggestion away. Do you really want to be another one of those chumps who d...
by yatesd
Wed Aug 22, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17243

Re: Good Non-Boring Boglehead Cars Under $30k

I don't know how much you used apple play but it doesn't work that well. First there is no support for Waze and Google Maps. You are stuck with Apple maps which are not that good. Also they way it works (or doesn't) changed a lot over time. The latest version of IOS coming this fall will allow thir...
by yatesd
Wed Aug 22, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17243

Re: Good Non-Boring Boglehead Cars Under $30k

Are GTIs reliable cars? Can you realistically expect a GTI to give you at least 10 years of trouble-free service? I know they're supposed to be nicely engineered cars but I'm concerned the feeling will wear off once the repair bills start rolling in after the warranty expires. In general, newer car...
by yatesd
Wed Aug 22, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17243

Re: Good Non-Boring Boglehead Cars Under $30k

Yes, the formerly known Golf GTI. Now it's called only GTI. It is quiet for my standards. I had a Civic in the past, much much worse. For american market they put a noise making device. I like it but you can remove it. That device makes a low frequency noise so not disturbing. I have the base, manu...
by yatesd
Sun Aug 19, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3603

Re: Where to buy white, athletic fit dress shirt?

I really like the "Traveler" shirts from Joseph A Banks. https://www.josbank.com/traveler-wrinkle-free

100% cotton and wrinkle free, long tails, etc. I'm not that skinny so a "Tailered Fit" works for me. A "Slim" fit might work better for you.

I normally can snag them for about $35 each on sale.
by yatesd
Sun Aug 19, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: The problem with 'saving receipts' for future qualified HSA withdrawals
Replies: 24
Views: 3053

Re: The problem with 'saving receipts' for future qualified HSA withdrawals

Related, but changing the subject slightly. I am disappointed with HSA options (wish Vanguard offered HSA's) and for now use a local bank that provides basic savings account interest (basically nothing). Add to that...a relatively low balance, $15K, and it amounts to the healthcare portion of my eme...
by yatesd
Sun Aug 19, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 111
Views: 19347

Re: The Fall of Consumer Reports

I never had much use for CR. They consider themselves experts on everything from orange juice to computer flash drives to cars and trucks to house roofing and everything else where they assert their expertise. Whenever they review something where I have in-depth knowledge I do not agree with their ...
by yatesd
Sat Aug 18, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Anyone using a Dolby Atmos-capable sound bar?
Replies: 6
Views: 563

Re: Anyone using a Dolby Atmos-capable sound bar?

I currently have a high end traditional 5.1 setup. Can't see how a sound bar would even come close to replicating the experience, although I appreciate how the setup is beneficial for space/ease of management. I can also appreciate how a good version would blow away the standard speakers in a TV. It...
by yatesd
Sat Aug 18, 2018 7:08 am
Forum: Personal Investments
Topic: 401k Advice
Replies: 12
Views: 840

Re: 401k Advice

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term. Nope stop. Backdoor rIRA. This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now. If one h...
by yatesd
Fri Aug 17, 2018 8:00 pm
Forum: Personal Investments
Topic: 401k Advice
Replies: 12
Views: 840

Re: 401k Advice

PFInterest wrote:
Thu Aug 16, 2018 9:55 pm
yatesd wrote:
Thu Aug 16, 2018 9:17 pm
I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.
Nope stop. Backdoor rIRA.
This assumes a ROTH is the better choice for the OP today and he is able to pay the taxes now.
by yatesd
Thu Aug 16, 2018 9:32 pm
Forum: Personal Investments
Topic: 401k Advice
Replies: 12
Views: 840

Re: 401k Advice

Well, I slowed down and looked at your new choices and your new 401K seems to have very low fees. I still like the idea of just sticking with a Target fund and at .05 that is pretty good. I believe my 401K is .09 for the exact same thing. I don't believe anything will prevent your from rolling over ...
by yatesd
Thu Aug 16, 2018 9:17 pm
Forum: Personal Investments
Topic: 401k Advice
Replies: 12
Views: 840

Re: 401k Advice

I won't address the new allocation, but why not roll over old 401K into an IRA account with Vanguard, Fidelity, or Schwab? This will give you more flexibility long-term.
by yatesd
Thu Aug 16, 2018 5:42 am
Forum: Personal Investments
Topic: First time investing(401k)
Replies: 21
Views: 1162

Re: First time investing(401k)

Guacamole,

Another vote for target date to start out. I would only change course after you get over $10K per fund type, then see if the separate Admiral versions still have lower expenses. Even then, mimicking the target date allocation is a good way to keep you from deviating off course.
by yatesd
Tue Aug 14, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3613

Re: Best consumer products - made in USA

This should be owned and made in the USA. Control of company is more important than where it is made.

Zippo lighters- Bradford, PA.
Channel Lock pliers- Meadeville, PA
Corvette- Kentucky
by yatesd
Sat Aug 04, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3380

Re: USPS Informed Delivery

Informed delivery works great. My guess is:

- they either had an error in their verification questions
- you mistakenly answered incorrectly

Either way, my hope is that everything will work next time.
by yatesd
Thu Aug 02, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2533

Re: Durable Dress Shoes for Commute

The Danite soles last well. I vote for Allen Edmonds- American made and recraftable. On sale of course. :wink:
https://www.allenedmonds.com/outlet/cle ... 8&start=22
by yatesd
Mon Jul 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5656

Re: What Should I Do About A Dying Friend's Assets?

Money is important until it isn't. Be a friend, spend time with him. Money doesn't matter to your friend anymore.
by yatesd
Wed Jul 25, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8320

Re: Son Hurt at Summer Camp

I suggest your family should pay the camp for the scar. It is a badge of honor for a boy to get a scar and the camp prices will not be raised as much next year.
by yatesd
Fri Jul 20, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 15019

Re: New Vanguard Security Code Requirement

Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. Not too bad with VG. Just tell it to only do the 2FA for computers it doesn't recognize. I set it up months ago and once the initial 2FA was accomplished VG hasn't asked for it again. (and I look at ...
by yatesd
Mon Jul 09, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3693

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by yatesd
Sun Jul 08, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2873

Re: Having first child - Life Insurance question

Yes, I used Select Quote and could sort by rates and financial ratings. Keep in mind a recognizable name may not be healthier than another company. In my case, I ended up with Prudential for my life insurance.
by yatesd
Sat Jul 07, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2873

Re: Having first child - Life Insurance question

I chose to purchase 15-year term through select quote for me only since we are a single income household. In my case, it was $500K for about $270 a year (13 years ago). My plan is working almost perfectly...and should essentially be self insured by the time she is 15 with an increasing 401K balance ...
by yatesd
Thu Jul 05, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3581

Re: Coffee Grinder recommendations

I recommend getting a better grinder from an online specialist. Chris Coffee on the East coast. www.chriscoffee.com Seattle Coffee Gear on the West coast. www.seattlecoffegear.com Decent place for reviews and research: http://coffeegeek.com/reviews https://www.home-barista.com/ Espresso is much less...
by yatesd
Wed Jul 04, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8790

Re: Tipping at non sit down places

dm200 » Wed Jul 04, 2018 6:41 pm J295 wrote: ↑Wed Jul 04, 2018 6:38 pm Always tip Why? Never really gave it much thought until now .... I guess it's principally because we are fortunate to have sufficient resources and I enjoy giving it to the people (usually young people who no doubt can use the m...
by yatesd
Sat Jun 30, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2643

Re: replace old central AC unit?

If it is 15+ years old and not cooling well, I would recommend replacing with a 2-stage variable speed unit with potentially multiple zones.