Search found 749 matches

by brad.clarkston
Mon Jan 27, 2020 2:13 am
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 3606

Re: Anybody else have trouble with USPS Informed Delivery?

I don't mean to disillusion anyone, but I have some hazy recollection that the government requires USPS to photograph every piece of mail for their spooks I believe the info is captured as part of their automated mail sorting. Then some one got the great idea of making this information available to...
by brad.clarkston
Mon Jan 27, 2020 2:06 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11318

Re: Cybersecurity and passwords

1. Use a separate browser for financial stuff. Don’t ever use that browser for anything else. Set up bookmarks, and only use it for that. What specific attack does this guard against? It doesn't I have no idea where that advice comes from. What you need to do is learn how to setup Firefox correctly...
by brad.clarkston
Mon Jan 27, 2020 1:35 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11318

Re: Cybersecurity and passwords

I use PWSafe which is free and open source. It can be totally offline if you wish, or online by simply placing the encrypted file in a cloud location. Someone would have to break the Twofish algorithm to do anything with that file which seems unlikely at this time. I do not trust the Windows firewa...
by brad.clarkston
Mon Jan 27, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 161
Views: 11318

Re: Cybersecurity and passwords

We often used the same password for sites where we didn't care if someone read our responses or looked at any information included. That had an adverse result with this site once where, when using an extremely simple password, someone hacked it and posted inappropriately on the site. I received a b...
by brad.clarkston
Sat Jan 25, 2020 10:18 pm
Forum: Personal Investments
Topic: When would I want ETFs vs Funds?
Replies: 12
Views: 1189

Re: When would I want ETFs vs Funds?

The short answer is you do not need them. The longer answer is it depends on when you want to buy and how much. ETF's are bought in full 1 share prices and are closed at the end of the day. While funds can be bought in dollar amounts (less than a full share) and close when the trade is finished. Som...
by brad.clarkston
Sat Jan 25, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance--Primary vs. Secondary Insurance
Replies: 6
Views: 603

Re: Medical Insurance--Primary vs. Secondary Insurance

The insurance companies do not decide who is primary at the time of coverage it's decided by which plan is taken out by the patient and then the secondary plain will be the one that only covers the patient as a secondary dependent. In my case I have my primary work insurance that only covers me, tha...
by brad.clarkston
Sat Jan 25, 2020 6:09 pm
Forum: Personal Investments
Topic: Fidelity Bond Funds
Replies: 12
Views: 1317

Re: Fidelity Bond Funds

FXNAX is the primary it's the total US market there really isn't anything better unless you want to tilt.
I use it as my only bond fund.
by brad.clarkston
Sat Jan 25, 2020 5:58 pm
Forum: Personal Investments
Topic: Need help selecting Investment in HSA
Replies: 22
Views: 1082

Re: Need help selecting Investment in HSA

thx for the quick reply! just pick the date that matches the bond allocation you want. I am looking for 100% bond allocation in my tax-sheltered accounts. Overall I am looking for a 70/30 Stock/Bond allocation. I am keeping my equity etfs in my tax-able account.. thus need to find a good bond fund ...
by brad.clarkston
Sat Jan 25, 2020 4:49 pm
Forum: Personal Investments
Topic: Need help selecting Investment in HSA
Replies: 22
Views: 1082

Re: Need help selecting Investment in HSA

Out of those choices the easiest one would be the "VANGUARD TARGET RET 2020 - 2060" just pick the date that matches the bond allocation you want. The Pimco fund is very good but would require a bit more thought on your part and costs quite a bit more. I personally went with a Target fund in my 401k ...
by brad.clarkston
Fri Jan 24, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: Checking Account Compromised
Replies: 18
Views: 2218

Re: Checking Account Compromised

For those of you that just keep a low balance in checking accounts am I defeating the purpose of doing this by having said checking account linked to a savings account? In other words, if they can get into one can they get into both? Be careful doing that most ABA (routing numbers) accounts have so...
by brad.clarkston
Thu Jan 23, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Career change advice for late 30s
Replies: 17
Views: 1938

Re: Career change advice for late 30s

That's a hard one I would say stick with what your doing but there's nothing stopping you from starting a small part time job on the side to make more money. The trick is to find a niche you sort of enjoy and can make work.
by brad.clarkston
Thu Jan 23, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Which of these two water heater would be cheaper to run and why?
Replies: 31
Views: 2529

Re: Which of these two water heater would be cheaper to run and why?

The 19 gallon would be cheaper as it has to heat less water constantly but the 30 gallon would keep the water hotter longer just due to the amount of water in the tank. Traditional element heaters are inefficient by there nature so it really depends on how much water do you need and how far away fro...
by brad.clarkston
Thu Jan 23, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 5949

Re: Personal Capital and Ally Bank

Mine's working fine.
by brad.clarkston
Wed Jan 22, 2020 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: FANG - Salary expectation for Sr Engineer
Replies: 17
Views: 3653

Re: FANG - Salary expectation for Sr Engineer

toofache32 wrote:
Wed Jan 22, 2020 9:33 pm
What's a fang?
It's actually faang = Facebook, Apple, Amazon, Netflix, Google.

but I guess fang would be Facebook, Apple, Netflix, Google.

Jim Cramer coined it awhile back for companies that capture the attention of as many people as possible and then hold them in there ecosystem.
by brad.clarkston
Wed Jan 22, 2020 6:14 pm
Forum: Personal Investments
Topic: REIT Investment portfolio
Replies: 17
Views: 1838

Re: REIT Investment portfolio

I am also looking to start a REIT position in my Roth IRA beginning in January. My plan is to allocate half my 2020 contribution to REIT funds/ETFs, and the other half to SWAN dividend stocks. What is a good REIT fund(s)/ETFs to start in my Roth? Roth is at Vanguard, but i also have one at Fidelity...
by brad.clarkston
Wed Jan 22, 2020 6:06 pm
Forum: Personal Investments
Topic: REIT Investment portfolio
Replies: 17
Views: 1838

Re: REIT Investment portfolio

Why do you want to have a separate allocation to REIT's? They are represented in total market indexes I'm not saying you shouldn't, but there are lots of opinions, pro and con, and your reason for creating the allocation is a lot more important than the specific fund(s) you select to implement the ...
by brad.clarkston
Wed Jan 22, 2020 5:56 pm
Forum: Investing - Theory, News & General
Topic: Why Ray Dalio & Bridgewater Associates only hold ETFs and no mutual funds?
Replies: 8
Views: 779

Re: Why Ray Dalio & Bridgewater Associates only hold ETFs and no mutual funds?

ETF's are traded in full denominations at any point in the trading day while mutual funds are traded in partial denominations (dollar amounts) and are redeemed.
by brad.clarkston
Wed Jan 22, 2020 5:53 pm
Forum: Personal Investments
Topic: Is ibond always better than taxable?
Replies: 42
Views: 2723

Re: Is ibond always better than taxable?

Unladen_Swallow wrote:
Wed Jan 22, 2020 5:52 pm
fcf18 wrote:
Tue Jan 21, 2020 7:10 pm
Shouldn't most people invest in the 10k ibond before putting money into taxable?
We have no iBonds. We have a Taxable account with 100% Total Stock fund. This works for us, do what works for you.
A post about bonds and you want to chime in on stocks?
by brad.clarkston
Wed Jan 22, 2020 5:52 pm
Forum: Personal Investments
Topic: Is ibond always better than taxable?
Replies: 42
Views: 2723

Re: Is ibond always better than taxable?

I put some money into taxable each year after I max out 401k (no mega backdoor possible), backdoor Roth, and some money for 529. However, I have been reading up on ibond, seems like a good choice for anyone who has bond allocation, CD and can invest in taxable. Yet I don't hear many people using th...
by brad.clarkston
Wed Jan 22, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 2902

Re: Costco Optometrist vs Independent Office Eye dr

If I had never been to an eye doctor for an examination, I would consider my eye health as my primary concern over the cost and I would schedule an appointment with an ophthalmologist. Agree, avoid optometrists. OK. But why? A ophthalmologist (Ophthalmologist: Medical and Surgical Eye Care) graduat...
by brad.clarkston
Wed Jan 22, 2020 1:10 pm
Forum: Personal Investments
Topic: Last gasp of the bull
Replies: 118
Views: 18107

Re: Last gasp of the bull

I suspect hdas is over from the Morning* forum. Very different mindset than this forum.
by brad.clarkston
Wed Jan 22, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: Best REIT? VNQ vs O
Replies: 12
Views: 1867

Re: Best REIT? VNQ vs O

O is a Shopping Center specific company stock which is apples to oranges compared to a REIT fund. I own both but not the way your thinking about. It's also pretty worthless to "back test" a REIT stock using a website. You need to understand the companies fundamentals and long term goals which a port...
by brad.clarkston
Wed Jan 22, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card Reward Strategy
Replies: 21
Views: 1893

Re: Cash Back Credit Card Reward Strategy

You will get a small hit on your credit score when they run the check but it bounces back within a month so no worries. The Citi card is a good general everyday card but I prefer using a couple of specific spend 5% cards before switching to a general 2.x% card (it's called a "pairing card" you pair ...
by brad.clarkston
Tue Jan 21, 2020 3:30 am
Forum: Personal Investments
Topic: Retired—Big portfolio shuffle for future
Replies: 8
Views: 1257

Re: Retired—Big portfolio shuffle for future

I would be wary as Fidelity will almost certainly impose an AUM fee. They will also want to select actively managed Fidelity funds for the accounts they manage. At least this is what they did when my father allowed them to manage his after-tax account. Put your instructions in writing if you want t...
by brad.clarkston
Tue Jan 21, 2020 12:19 am
Forum: Personal Investments
Topic: Portfolio review for high net worth individual
Replies: 10
Views: 1667

Re: Portfolio review for high net worth individual

Your basically at 63% FI so even by conservative standard (age in bonds) your meeting the mark. There's nothing in the stock side that looks even a big iffy I'm pretty much mirroring it in Fidelity funds except I'm a bit heaver in REIT. There's still risk going 100% bond funds. Personally I wouldn't...
by brad.clarkston
Tue Jan 21, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: Replacing Bathroom Exhaust Fan - Need advice before blowing a bunch of $
Replies: 33
Views: 3426

Re: Replacing Bathroom Exhaust Fan - Need advice before blowing a bunch of $

Options: 1) Bite the bullet, call a roofer and have them put in a vent, then work through the HVAC Company 2) There is a gable vent about 14' from the closest fan... 17' from the furthest... I could run some PVC conduit towards the gable, and connect the exhaust fans to that run 3) Exhaust each fan...
by brad.clarkston
Mon Jan 20, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Magic Kingdom for a day or fun resort / hotel?
Replies: 56
Views: 4039

Re: Magic Kingdom for a day or fun resort / hotel?

We just came back from Disney world last week and had a really great time. You do have to plan your trip atleast a couple of months in advance to get the fast passes sorted. If you just show up you will end up having a bad experience. Staying at a Disney resort is also a huge bonus. We were getting...
by brad.clarkston
Mon Jan 20, 2020 5:06 pm
Forum: Personal Investments
Topic: Is 170% too high of a Turnover for a Total Bond Fund?
Replies: 3
Views: 504

Re: Is 170% too high of a Turnover for a Total Bond Fund?

FXNAX - Fidelity US Bond Index would be the fund to pick for a 3-fund port at Fidelity not FTBFX. FXNAX has the typical 35% turn over you would expect in the class. I've never looked at FTBFX before but it looks a bit strange to me. It's heavier in less than 1 year and way more 5+ year duration than...
by brad.clarkston
Mon Jan 20, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile is now Boost Mobile
Replies: 8
Views: 1105

Re: Virgin Mobile is now Boost Mobile

There hasn't been a difference between Virgin and Boost Mobile for years. Same back-end Sprint system handles both nether are real "companies" it's just a brand name.

This is merger cleanup activity.
by brad.clarkston
Mon Jan 20, 2020 1:55 am
Forum: Personal Investments
Topic: For Those NOT Retiring in 10-15 years...
Replies: 20
Views: 2666

Re: For Those NOT Retiring in 10-15 years...

I'm 15-20 years out and was hit hard in 2009. If you just looked at my Fidelity account I would be at 90:10 but the other 30% FI is in CD's/EE's/TB's and I can easily cash out most of the CD's in a hurry if need be with little to no penalties. I'm currently thinking about going to at least 20% bonds...
by brad.clarkston
Mon Jan 20, 2020 12:22 am
Forum: Personal Consumer Issues
Topic: My Hotmail account is getting spammed big time
Replies: 48
Views: 4726

Re: My Hotmail account is getting spammed big time

If anything on this site is deserving of a "OK Boomer" tag this would be it.

I would convert your contact list to xml, buy a protonmail.com account and get up to this decade.
Yes you could go free with gmail if you do not care about your privacy or data (darn millennial's!).
by brad.clarkston
Sun Jan 19, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio - Worst asset you can have is cash?
Replies: 55
Views: 7339

Re: Ray Dalio - Worst asset you can have is cash?

I disagree. Holding cash gives you optionality. And it gives you some return even now; it pays roughly around 1.75% in a vanguard mmf. I plan to always hold several million in cash. If you can afford to "hold several million in cash" your not even close a typical investor and it really doesn't matt...
by brad.clarkston
Sun Jan 19, 2020 1:57 am
Forum: Personal Investments
Topic: Increasing REITS as we age?
Replies: 17
Views: 1859

Re: Increasing REITS as we age?

I hold a 10% of port REIT fund in my traditional IRA and about half REIT's in my roth divi stock port and it's done me very well but then I've put in the homework on those stocks and the fund over the last 10 years and know what I am getting. I don't think I would increase that holding just because ...
by brad.clarkston
Sat Jan 18, 2020 3:07 am
Forum: Personal Investments
Topic: Fidelity Zero plus Small Cap
Replies: 10
Views: 820

Re: Fidelity Zero plus Small Cap

Fidelity's small cap index fund is FSSNX It tracks the Russell 2000. I personally would avoid Fidelity Zero Extended Market Index after how horribly the fund was off track from its proprietary index (3 digit percent off just last year). If you look at: https://www.bogleheads.org/forum/viewtopic.php...
by brad.clarkston
Fri Jan 17, 2020 11:59 pm
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9203

Re: Wife left

I would rather sell the house than mess with the retirement funds.

IMO: If your lawyer does not list "sell the house" as his primary choice find a better lawyer.
by brad.clarkston
Fri Jan 17, 2020 11:45 pm
Forum: Investing - Theory, News & General
Topic: What is considered a lot of money to have saved up?
Replies: 61
Views: 7523

Re: What is considered a lot of money to have saved up?

I live in a low cost area so it depends. My emergency fund is $10k plus I have most of my FI in mid to short term bank CD's, EE's, T-Bills. The CD's would be very easy to cash out quickly if needed. My wife has another $10k EF account (we separate our finances but have total access to each). That do...
by brad.clarkston
Wed Jan 15, 2020 12:42 am
Forum: Personal Investments
Topic: Thoughts on bond mutual funds: BBBIX and ADLIX
Replies: 2
Views: 186

Re: Thoughts on bond mutual funds: BBBIX and ADLIX

These are some bond holdings my old advisor had me in. Any idea in why I'd be in both instead of just one? I'm at fidelity so looking at their offerings I was looking at FXNAX to compare. Expense ratios are a couple basis points lower, dividends are a little higher, but show is the NAV making that ...
by brad.clarkston
Wed Jan 15, 2020 12:08 am
Forum: Investing - Theory, News & General
Topic: Personal Capital / Investment Tools
Replies: 29
Views: 2074

Re: Personal Capital / Investment Tools

5 years with the software from PC. Very happy. I link everything. Use 2 factor and a strong password. Very good tools. I also have a PC Cash account. I use manual accounts for unlinkable things. How do you like the PC Cash account? +1 on the PC Cash account? I have a CITBank 1.80apy "Savings Builde...
by brad.clarkston
Wed Jan 15, 2020 12:05 am
Forum: Investing - Theory, News & General
Topic: Personal Capital / Investment Tools
Replies: 29
Views: 2074

Re: Personal Capital / Investment Tools

I loved PC tools but they would call me non-stop to setup my free appt with their financial advisor. Even after asking them several times to take me off their list, I still had rude persistent agents asking me to setup and appointment and leaving voicemails. I eventually got sick of it and deleted ...
by brad.clarkston
Tue Jan 14, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1910
Views: 207475

Re: [What TV Show Have You Recently Watched?]

The Witcher on Netflix -- I'm biased tho loved the books, liked the games.
The Mandalorian on Disney+ -- I literally can't be friends of anyone that doesn't like baby yoda. ;)
by brad.clarkston
Tue Jan 14, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1910
Views: 207475

Re: [What TV Show Have You Recently Watched?]

The Mandalorian got us hooked on Star Wars again, so my son and I have been watching The Clone Wars. It's an excellent show--far better than the prequels. Fair warning though if you watch it with your kids: It's animated, but it is TV-MA and there's a bit of, uh, "fanservice" at times. Huh? The Clo...
by brad.clarkston
Mon Jan 13, 2020 8:26 pm
Forum: Personal Investments
Topic: Fixed portion of Asset investment
Replies: 6
Views: 424

Re: Fixed portion of Asset investment

I have my FI in a mix of (roughly): 10% Cash in CITBANK 1.80% APY account. 10% IRA - FXNAX 40% Bank CD ladder 40% TreasuryDirect EE bonds The amount I have is in IRA account with Schwab. Looks like bond index fund can provide 3-4% return over 10 yrs. Any recommendation on Schwab bond index fund? I ...
by brad.clarkston
Mon Jan 13, 2020 7:17 pm
Forum: Personal Investments
Topic: Fixed portion of Asset investment
Replies: 6
Views: 424

Re: Fixed portion of Asset investment

I have my FI in a mix of (roughly):

10% Cash in CITBANK 1.80% APY account.
10% IRA - FXNAX
40% Bank CD ladder
40% TreasuryDirect EE bonds
by brad.clarkston
Mon Jan 13, 2020 6:10 pm
Forum: Personal Investments
Topic: Directionless drift
Replies: 32
Views: 4132

Re: Directionless drift

Perhaps not for you, but I try to sleep in a tent outside among the wonders of nature about 100 nights a year. On those nights my worldly possessions are all within arms reach except perhaps my food which I try to put where bears, foxes, skunks, raccoons, mice, and other critters won't get into it....
by brad.clarkston
Mon Jan 13, 2020 1:19 am
Forum: Personal Investments
Topic: Proceeds from home sale, invest, pay down debt, other?
Replies: 15
Views: 908

Re: Proceeds from home sale, invest, pay down debt, other?

bogglizer wrote:
Sun Jan 12, 2020 10:27 pm
Student debt is evil. Always pay that off first. Student debt cannot be escaped by bankruptcy. You may think this will never happen, but so did all those bankrupt people.
+1 this - pay off smallest to largest and get rid of it.
by brad.clarkston
Sun Jan 12, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2122

Re: Brother printer still recommended for small business?

If it's a one or two man shop then it doesn't really matter. I'm not a big fan of Brother as quality has slipped over the years but if it's a low volume printer anything in the same price range will be equivalent. Your always going to pay more for toner on a stand alone non-contract printer. Its ju...
by brad.clarkston
Sun Jan 12, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2122

Re: Brother printer still recommended for small business?

If it's a one or two man shop then it doesn't really matter. I'm not a big fan of Brother as quality has slipped over the years but if it's a low volume printer anything in the same price range will be equivalent. Your always going to pay more for toner on a stand alone non-contract printer. If you ...
by brad.clarkston
Sun Jan 12, 2020 9:16 pm
Forum: Investing - Theory, News & General
Topic: Why are Dividend Stocks pushed so hard?
Replies: 129
Views: 6707

Re: Why are Dividend Stocks pushed so hard?

There are pros and cons to dividends which is well documented. Dividend paying stocks are not less volatile. They are mostly large companies they cannot offer growth, so they return cash In the form of dividends rather than to hold the money and use it to grow the business Or for capital expenditur...
by brad.clarkston
Sun Jan 12, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 29601

Re: Do you plan to actually spend down your portfolio?

I tell the wife if she doesn't kill me before I retire I'm drawing down for beer & hookers ... I doubt I make it that far ;)

But in reality at 20 years out I have no clue.
by brad.clarkston
Sun Jan 12, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 66
Views: 8082

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

I'm confused. Looking at Fidelity's website, it appears more than 2 funds were up in the past 12 months. (Note: counting various share classes as one fund.) https://fundresearch.fidelity.com/fund-screener/results/table/overview/averageAnnualReturnsYear1/desc/1?fundFamily=0C000021ZL&order=fundFamily...