Search found 622 matches

by brad.clarkston
Sat Nov 17, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Northpointe Bank Website - legit?
Replies: 6
Views: 703

Re: Northpointe Bank Website - legit?

raghus wrote:
Sat Nov 17, 2018 4:20 pm
Thanks for the replies. I'm reasonably savvy about http/https but was surprised that a bank would redirect to a different URL altogether. That surprised me.
That's been all the rage for smaller banks for the last four or five years while the bigger boys hide behind akamai which you won't see.
by brad.clarkston
Sat Nov 17, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 3801

Re: LastPass vs BitWarden

Functionally there the same if your just looking for a decent password manager. LastPass has very good support for free or paid users while BitWarden is e-mail support only but it is open source if that's your thing. As far as the open source versions go BitWarden is hands down the best in that depa...
by brad.clarkston
Thu Nov 15, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 34
Views: 2736

Re: Windows 10 October Update (1809)

I guess there's no way around the full Windows 1809 update if I want to update the virus protections, and I do want that!. It may well be that Defender isn't running every day. Mine only does a scan once a week, I think. I'd have to check the settings. In any cases, probably the most you would miss...
by brad.clarkston
Wed Nov 14, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 34
Views: 2736

Re: Windows 10 October Update (1809)

There's no need to hunt around for Win10 options the search feature works well (finally only took 7 versions).

Click on your windows button and just start typing "Windows Updates" you'll have several options "check for updates" will get you into your update options.
by brad.clarkston
Wed Nov 14, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1166

Re: Mobil cellular hotspot for low data use

Red pocket mobile via eBay https://slickdeals.net/share/android_app/fp/431341 10GB for 23/mo works with AT&T, or sprint Or mint mobile 5GB $20/mo using tmobile cell towers. You can't beat these. Red Pocket is interesting in that they buy service from all four telco's. Not sure how there making mone...
by brad.clarkston
Wed Nov 14, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Mobile cellular hotspot for low data use
Replies: 17
Views: 1166

Re: Mobil cellular hotspot for low data use

I think that NetZero is still around and offers free low-volume wireless data plan (https://www.netzero.net/start/landing.do?page=fd/plans-mobile-static-s). I haven't used them, and am a little surprised they survived the post dial-up internet transition. Also look into freedompop (https://www.free...
by brad.clarkston
Wed Nov 14, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value options for fidelity brokerage link (mutual fund only)
Replies: 26
Views: 2128

Re: Small Cap Value options for fidelity brokerage link (mutual fund only)

oldcomputerguy wrote:
Wed Nov 14, 2018 5:14 pm
fennewaldaj wrote:
Mon Feb 26, 2018 1:10 am
This is in my 403b/401a/457 brokerage link at fidelity.
Does your plan allow you to buy ETFs in BrokerageLink? If so, you might want to take a look at IJS. It's commission-free at Fidelity and benchmarks against the S&P600 Value index.
+1 That's what I did for small-cap.
by brad.clarkston
Wed Nov 14, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2593

Re: Understanding the difference in cell phone OS types

For the average user there's absolutely no difference between iOS & Android it's just a voice/text/picture/app platform to get to the internet. Very much like Windows vs Linux for 90% of the worlds users. As far as apps go all of the big ones are on both platforms and looks exactly alike. For advanc...
by brad.clarkston
Wed Nov 14, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

Here's my filter list. Note at the bottom I add the custom NoCoin list that way I do not need a separate crypto blocking extension. I'll need to remove the 2 AWS simple filters as they are no longer working and decide if I want to try something different. https://i.imgur.com/MzGAXef.jpg?1 The big k...
by brad.clarkston
Wed Nov 14, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

Here's my filter list. Note at the bottom I add the custom NoCoin list that way I do not need a separate crypto blocking extension. I'll need to remove the 2 AWS simple filters as they are no longer working and decide if I want to try something different. https://i.imgur.com/MzGAXef.jpg?1 The big ke...
by brad.clarkston
Tue Nov 13, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5295

Re: Oops! Edward Jones tops Vanguard in customer survey

I don't know why this is surprising. From the topics and posts here Vanguard has bare-bones customer service. If you desire higher level customer service one should be with Fidelity, Edward Jones, etc. Agreed I have Fido & Van accounts: Fidelity is very easy to work with on the phone and their mail...
by brad.clarkston
Tue Nov 13, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

On Adblock Plus they have a setting which allows what are considered safe / unobtrusive ads, or to block all ads. Does their "block all ads" setting only block all the ads they haven't separately pre-configured to be allowed? I ask because I have no idea but always wondered while using the product....
by brad.clarkston
Tue Nov 13, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

Ghostery by itself isn't a proper ad-blocker and it's a sell out to boot they sell blocking data back to the advertisers. Adblock, Adblock Pus, & Ublock (not Origins it's different) will let through ads if they are paid for it. That's pretty common knowledge if you look for it. Learn how to use UBl...
by brad.clarkston
Tue Nov 13, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5452

Re: fuel for snowblower

Ethanol is added by percentage across the board in regular gas so it's the same in 87/89/93 ether E10 or E15 depending on the state (10% or 15%).
The only difference would be Flex fuel which could be anywhere between 50% to 80%'ish ethanol.
by brad.clarkston
Sun Nov 11, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

Ghostery by itself isn't a proper ad-blocker and it's a sell out to boot they sell blocking data back to the advertisers. Adblock, Adblock Pus, & Ublock (not Origins it's different) will let through ads if they are paid for it. That's pretty common knowledge if you look for it. Learn how to use UBl...
by brad.clarkston
Sun Nov 11, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Exterior Painting Mil Thickness and Coats
Replies: 17
Views: 1370

Re: Exterior Painting Mil Thickness and Coats

They should NOT thin the paint at all. That would be a red flag right off the bat. If you are worried, you could take the day off an supervise the project. One very important consideration is the brand and quality of paint that is selected. Make sure to find out what they will use. It might be wort...
by brad.clarkston
Sun Nov 11, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying life insurance for parents
Replies: 13
Views: 1313

Re: Paying life insurance for parents

If it's not a financial burden on your family and it makes you feel better then it's your parents, fine.

If it's a burden on your family then no. There's plenty of ways to help your mother out after he dies.
by brad.clarkston
Sun Nov 11, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 61
Views: 3938

Re: Recommend Chrome ad-blocker

Ghostery by itself isn't a proper ad-blocker and it's a sell out to boot they sell blocking data back to the advertisers. Adblock, Adblock Pus, & Ublock (not Origins it's different) will let through ads if they are paid for it. That's pretty common knowledge if you look for it. Learn how to use UBlo...
by brad.clarkston
Thu Nov 08, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4797

Re: Do you prefer etfs or mutual funds?

There both just tools to use I don't prefer one over the other. CEF's is the only thing that gives me heartache so I don't use them. I have a Core 4+1 port in my Fidelity IRA so my two tilts are ETF's but the core 3 are funds. My Vanguard is the standard 3 fund port so not ETF's. My 401k is a Target...
by brad.clarkston
Wed Nov 07, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6781

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by brad.clarkston
Wed Nov 07, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6781

Re: Best deals to buy iphones

That's a personal thing then as telco/isp coverage is very location dependent based on towers and fiber relays. AT&T and Verizon is the worst in my area so just blindly telling people to switch to my favorite is not good advice unless there in the same city as me and even then the other side of the...
by brad.clarkston
Wed Nov 07, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6781

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by brad.clarkston
Wed Nov 07, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6781

Re: Best deals to buy iphones

We pay via autopay, $60 for 2 lines unlimited data, no throttling on TMobile 55+. It’s cheaper and better than the plan we were on before where we paid more for 4 lines and less unthrottled data. I have a line with D as 2nd user on it and H has one with S as his 2nd user. I have not purchased a new...
by brad.clarkston
Wed Nov 07, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 750

Re: Moving TMobile account from flip phone to iPhone

That's extremely common in the telco/isp industry. The plan was discontinued many moons ago and is only allowed to continue as long as you don't modify the contract. Transferring it to a modern phone would modify the plan so you have to change to something new. More than likely they have a new plan...
by brad.clarkston
Wed Nov 07, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Max out 529?
Replies: 9
Views: 851

Re: Max out 529?

That's a nice problem to have :) I'd say it doesn't really matter ether 529 or brokerage works equally well so the question is what do you plan to do with any money not used in the 529? You could always keep the plan in your control and use it as a surprise grandchild college fund in the future. The...
by brad.clarkston
Wed Nov 07, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 750

Re: Moving TMobile account from flip phone to iPhone

That's extremely common in the telco/isp industry. The plan was discontinued many moons ago and is only allowed to continue as long as you don't modify the contract. Transferring it to a modern phone would modify the plan so you have to change to something new. More than likely they have a new plan ...
by brad.clarkston
Wed Nov 07, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8227

Re: What's everyone currently in?

Just out of curiosity what small cap are you using? I punted back to iShares IJS ETF a couple of years ago because most "small cap" funds are really "mid cap" funds in drag. I use Vanguard Tax Managed Small Cap (VTMSX) in my taxable account as I prefer mutual funds. Thanks! I haven't seen that one ...
by brad.clarkston
Tue Nov 06, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Employer 401k lackluster options
Replies: 10
Views: 538

Re: Employer 401k lackluster options

Most people would kill for that list ;) 30% Fidelity Total Market Index Fund (FSKAX) 15% Vanguard Small-Cap Index Fund Admiral (VSMAX) | Northern Small Cap Value Fund (NOSGX) 15% Vanguard Total Intl Stock (VTSNX) --- 40% Vanguard Total Bond Market (VBTIX) I'd personally take NOSGX as the small cap a...
by brad.clarkston
Tue Nov 06, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8227

Re: What's everyone currently in?

Same thing I was yesterday and the day before and the day before... 21% total U.S. market index 7% small cap (S&P small cap 600) 7% U.S. REIT and real estate index 28% total international market index 7% international REIT and real estate index 20% total U.S. bond index 10% total international bond...
by brad.clarkston
Tue Nov 06, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 87yo widowed Mom.
Replies: 13
Views: 1025

Re: Portfolio for 87yo widowed Mom.

That's not horrible and in his situation I probably would agree with your dad about pensions/ss == bonds. That's not always true but he wasn't crazy. I'm not sure I would want to overly complicate it at her age as you and your sister will be running it for her if your not already. So it's a two fund...
by brad.clarkston
Mon Nov 05, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Uniform Gift to Minor-How to Invest
Replies: 5
Views: 475

Re: Uniform Gift to Minor-How to Invest

In this craptastic tech market? I'd say no if it was my son.

Even if you like the current tech heavy market I'd still convert it to a good Life Strategy/Target Date type of fund for simplicity and get him socking money into it. At his age he needs to not think about it at all and just save money/
by brad.clarkston
Mon Nov 05, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Do older 4x4 vehicles hold higher salvage value?
Replies: 14
Views: 1240

Re: Do older 4x4 vehicles hold higher salvage value?

Depends on what you mean.

1.) A salvage title = no no impact - 20% off the top before they value the vehicle.
2.) Scrap salvage value = yes it weighs more.
by brad.clarkston
Mon Nov 05, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Save tuition money or fund 401(k)?
Replies: 10
Views: 908

Re: Save tuition money or fund 401(k)?

If that was my son (will be soon probably) I'd tell him to be actively job hunting for a better company to work for (not immediate mind you but he should be looking). I hurt myself early on after leaving the army by just being happy at any job I could get and not understanding my value. A company th...
by brad.clarkston
Mon Nov 05, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Growing into a house
Replies: 15
Views: 2314

Re: Growing into a house

Generally speaking, yes we are happy with it but it did hurt us financially a bit. For us a house is not an investment it's a home so your going to here all kinds of answers to this question. The upside for us: 1.) We picked a great spot just blocks from the elementary and middle school plus the she...
by brad.clarkston
Mon Nov 05, 2018 11:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone ever “borrow” against their emergency fund?
Replies: 23
Views: 2524

Re: Anyone ever “borrow” against their emergency fund?

No not for something that shallow. Once you start taking from it you (as in general human beings) can/will start to rationalize just about any justification.

It's a EF fund keep it as such.
by brad.clarkston
Mon Nov 05, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3886
Views: 1087050

Re: What Movie Have You Recently Watched?

Just came back from seeing Bohemian Rhapsody. Screw the critics, this is a superb movie. It’s a funny and sad creation story (officially sanctioned by the surviving band members) of Queen - a nostalgic look into 70s and 80s pop culture that produced the band and which it would influence in return. ...
by brad.clarkston
Mon Nov 05, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Percentage of small-caps in an aggressive portfolio
Replies: 17
Views: 953

Re: Percentage of small-caps in an aggressive portfolio

About 20% of overall Equity in a 80/20 core 4 + 1 (Reit) aggro port.
by brad.clarkston
Sun Dec 10, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 1194

Re: Build credit or pay in full

Pay it off.

Credit is not your friend in any case. If your score is 730+ go ahead and get one decent high end CC and then a cash back card for gas but you really don't need anything else as cash is always king.
by brad.clarkston
Sun Dec 10, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8041

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I disagree. What you are doing has nothing to do with any kind of engineering. If it did you would be paid more and it would likely require an engineering degree. What you are doing sounds more like Helpdesk/data center ops/IT Ops/etc. Anything operations oriented is going to be low skill and low p...
by brad.clarkston
Fri Dec 08, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1926

Re: Acts of war term insurance?

iflyjetzzz wrote:
Fri Dec 08, 2017 9:27 am
Hmm. Let me guess. You have zero time in the military and think that combat zone/war exclusions for life insurance are unusual. They're not. I know this because I shopped for life insurance as a military pilot.
+1 this. ex-Army that bought extra coverage before going to the Middle East.
by brad.clarkston
Fri Dec 08, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8041

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

What he is doing is not 'hardware engineering'. What he is doing is IT support, which is on the blue collar spectrum, hence the compensation. Hardware engineering is what people at Intel or AMD or other hardware companies do. For the OP: Look at the different categories/classes of IT work and consi...
by brad.clarkston
Thu Dec 07, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 4149

Re: Fuel Additives for 2017 Toyota Camry

Check your owner's manual. If such additives are required, it will tell you that. Many years ago, I had a dealer add an oil additive without asking permission. I became aware of it when it appeared on my bill. My owner's manual said such additives "were neither needed nor recommended". I complained...
by brad.clarkston
Thu Dec 07, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1926

Re: Acts of war term insurance?

Hi all, my husband and I are interested in increasing our life insurance. He is active duty and I'm a SAHM with 1 kid and 1 on the way. I've seen others recommend term4sale, but wanted to know how you find out which ones will cover deployment/acts of war for him specifically. We had a problem getti...
by brad.clarkston
Thu Dec 07, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1926

Re: Acts of war term insurance?

itstoomuch wrote:
Thu Dec 07, 2017 4:58 pm
See plans that don't have this exclusion.
That doesn't make any since even on the third reading.
by brad.clarkston
Thu Dec 07, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 8739

Re: Bitcoin now the largest quantifiable bubble in history?

That something appreciates quickly does not classify it as 'a bubble'. Bitcoin is a bubble if its rational value is much less than its market value. So, is it? There would have to be a "market value" for it first. It's just a high value trinket. The problem isn't with a traditional bubble it's with...
by brad.clarkston
Thu Dec 07, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody use Personal Capital to advise them?
Replies: 23
Views: 4064

Re: Anybody use Personal Capital to advise them?

Ditto to rest, listened to the pitch but didn't bite.
Love the free stuff tho can't recommend them enough.
by brad.clarkston
Thu Dec 07, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8041

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No development skills. Most of my skills are Microsoft/Hardware/Network/Various Software Support. Perhaps this has held me back a bit. Advanced degree's and certs are not as important at the engineering level just because it's damn expensive and company needs change every 3 years as different tools...
by brad.clarkston
Thu Dec 07, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8041

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

No, nepotism has been virtually eliminated from the federal civil service system by usajobs.gov. But there is an art to getting a federal government job. It's all about using the proper buzzwords in your application in order to get through the initial screening process. There are websites devoted t...
by brad.clarkston
Thu Dec 07, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 2100

Re: Okay come clean....How man people share passwords for streaming services?

The Wizard wrote:
Thu Dec 07, 2017 12:18 pm
This MIGHT be an illegal activity.
If so, it's inappropriate for this forum...
Citation needed instead of just throwing vague one liners on a thread you don't like.

And no the U.S. 9th Circuit Court of Appeals did not rule steaming password sharing violates CFAA.
by brad.clarkston
Thu Dec 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 2100

Re: Okay come clean....How man people share passwords for streaming services?

I don't to that degree but I will be sharing with my son who will be going to college next year (Netflix, Hulu, Prime).

If it makes you feel better Netflix actively promotes sharing as they know sooner or later that will lead to a new subscription.