Search found 471 matches

by crg11
Sat Nov 14, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Adobe Flash Player support ends 12/31/20 -impact/altermatives?
Replies: 17
Views: 2030

Re: Adobe Flash Player support ends 12/31/20 -impact/altermatives?

Flash has been a horrendous security liability ever since it came out. And since Steve Jobs penned his famous "Thoughts on Flash" letter in 2010, Flash has been all but deprecated as a web development technology. For example, the iPhone (released 2007) and iPad (2010) have never supported ...
by crg11
Tue Oct 27, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Affordable photo storage options for older, frugal, and non-tech-savvy people
Replies: 39
Views: 2492

Re: Affordable photo storage options for older, frugal, and non-tech-savvy people

I purchased iCloud storage ($2.99/months for 250 GB) to store and sync all of my photos across devices. Take a photo on my iPhone, it'll appear in short order on my Mac and iPad. And your device will automatically manage uploading/downloading from the cloud. In my case, I make sure my Mac computer a...
by crg11
Fri Sep 25, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 48
Views: 4081

Re: New Rolling Stone Top 500 Albums (which is a must buy?)

Jason Isbell's "Southeastern" from 2013 is a masterpiece and I'm stoked it made it onto this list (#458). My favorite songwriter and one of those artists that will rarely be played on traditional radio or on any of the top charts but should be.
by crg11
Sun Aug 02, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Financially independent, now what?
Replies: 9
Views: 1196

Re: Financially independent, now what?

Since travel is probably out of the question for the next year or two given its 2020, if I were in your shoes I'd figure out the following: 1) Where do I want to live, if I had the choice? Do I want to be with everyone I currently know or start off fresh on a new adventure somewhere else? 2) What wo...
by crg11
Fri Apr 03, 2020 5:29 am
Forum: Investing - Theory, News & General
Topic: REITs are in free fall..
Replies: 21
Views: 4689

Re: REITs are in free fall..

I have a feeling us REIT holders are going to have plenty more good buying/rebalance opportunities over the next 9-18 months. :shock: Yeah, I think there is a likely housing and commercial real estate crash happening soon...so many people unemployed and even if banks don't require payments for the ...
by crg11
Thu Mar 26, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 106
Views: 11051

Re: Thinking I should go car shopping amidst the panic

Actually mulling this ourselves. We are expecting our 3rd child later this year and have to upgrade a car because 3 car seats (2 rear facing) won't happen in our current cars. Subaru has a 0%, 63 months deal on the Subaru Ascent that looks really hard to pass up. Thinking about trading both of our ...
by crg11
Wed Mar 25, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 106
Views: 11051

Re: Thinking I should go car shopping amidst the panic

Actually mulling this ourselves. We are expecting our 3rd child later this year and have to upgrade a car because 3 car seats (2 rear facing) won't happen in our current cars. Subaru has a 0%, 63 months deal on the Subaru Ascent that looks really hard to pass up. Thinking about trading both of our c...
by crg11
Mon Mar 23, 2020 4:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

https://pbs.twimg.com/media/ETwGTFaX0AYvHxR?format=png&name=small Bullard is president of the Federal Reserve Bank of St. Louis Gulp. Between this and the stimulus vote failing...buckle up for tomorrow. Isn't his statement more or less obvious? I don't think the market is pricing in a full quar...
by crg11
Sun Mar 22, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Seasonal wrote: Sun Mar 22, 2020 7:08 pm Image

Bullard is president of the Federal Reserve Bank of St. Louis
Gulp. Between this and the stimulus vote failing...buckle up for tomorrow.
by crg11
Sat Mar 21, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Online shopping during the current crisis
Replies: 18
Views: 1610

Re: Online shopping during the current crisis

I’ve ordered a couple of things, but mainly to prepare for weeks / several months of isolation and can’t pick it up locally. Otherwise, we’ve held off any non-essential orders so we don’t contribute to overloading the shipping companies.
by crg11
Sat Mar 21, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: Generosity in the time of Coronavirus
Replies: 9
Views: 870

Re: Generosity in the time of Coronavirus

We're still paying our child's preschool, even though we pulled her from it a week ago. Sadly not enough to prevent most of the teachers from having a layoff, but we're continuing to support the school since we have the means. I'm also paying my gym membership even though I stopped attending a week ...
by crg11
Fri Mar 20, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Goldman is now estimating -24% GDP in Q2. NY and California represent almost 25% of US GDP and both are on lockdown for everything except essential services. Many other states are doing or will do the same. That won't lead to much personal consumption, business investment or net exports. How much o...
by crg11
Thu Mar 19, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

The day/crisis is still young.
by crg11
Thu Mar 19, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Crushtheturtle wrote: Thu Mar 19, 2020 7:43 am
dukeblue219 wrote: Thu Mar 19, 2020 7:36 am Jobless claims are out: just 281k? I'm surprised.
CNBC talking heads said yesterday that the number only includes data to 2 weeks ago.
So missing almost all of this crisis.

Next time they release jobless claims #'s...make sure you are sitting down.
by crg11
Thu Mar 19, 2020 5:40 am
Forum: Investing - Theory, News & General
Topic: Fed to Backstop Money-Market Mutual Funds 3/18/20
Replies: 38
Views: 3041

Re: Fed to Backstop Money-Market Mutual Funds 3/18/20

I am glad I moved everything I had in Prime Money Market out two weeks ago into FDIC insured accounts (no penalty CDs from Ally). This is a lesson that cash should always be in the safest place possible and accessible.
by crg11
Wed Mar 18, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many are regretting not investing in real estate
Replies: 55
Views: 5668

Re: How many are regretting not investing in real estate

We’ve been looking for a house over the past few weeks. Even put an offer on a house this past Sunday (lost). Our market has been extremely hot, houses lasting at most a week before going pending. We were seeing roughly one house a day show up on the market that matched our basic criteria (price, be...
by crg11
Tue Mar 17, 2020 10:50 am
Forum: Personal Investments
Topic: Cash Management Strategy
Replies: 37
Views: 3243

Re: Cash Management Strategy

Now, my cash strategy going forward is: Checking and tier 1 emergency fund - local credit union with rewards checking Tier 2 and Tier 3 emergency fund - No Penalty CDs with an interest rate in the mid/high 1s I started expecting the CD portion of this strategy last night and will work on moving my ...
by crg11
Tue Mar 17, 2020 6:12 am
Forum: Personal Investments
Topic: Cash Management Strategy
Replies: 37
Views: 3243

Re: Cash Management Strategy

This pandemic has actually made me re-think my cash strategy going forward. It made me realize the relentless drive for getting very penny of returns on cash shouldn’t trump easy access to funds and FDIC protections. And that I can get most of those returns anyways in a simple strategy. Previously, ...
by crg11
Mon Mar 16, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Is cash in VG Prime Money market account safe in times like this? Or is there risk to principal there? I had my first sustained anxiety attack, so I guess that's a thing for me now. Pulled my savings (Prime Money Market) into a FDIC insured savings account. Prime Money Market interest rates are goi...
by crg11
Mon Mar 16, 2020 5:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Companies are potentially facing a quarter or two of zero revenue due to state ordered quarantines. How does the market price that in? You think the market is rough now, just wait until things like the job report, unemployment rate, and earnings start being released. Cold, hard numbers on the finan...
by crg11
Mon Mar 16, 2020 5:24 am
Forum: Personal Investments
Topic: Safety of Money Market Funds Currently
Replies: 149
Views: 12818

Re: Safety of Money Market Funds Currently

If you're worried and this money must 100% be there, then move to a FDIC insured savings account. That's what I did with my down payment savings last week. Far better for peace of mind. And it is highly likely in the veyr near future, given the fed rate drops, that savings accounts will have a highe...
by crg11
Mon Mar 16, 2020 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying Land/Building House w/Fed Rate Cut....Pitfalls?
Replies: 4
Views: 611

Re: Buying Land/Building House w/Fed Rate Cut....Pitfalls?

We're starting the house purchase process, so navigating a similar scenario right now. The biggest worry I have is lining up the logistics. Based on other threads, it sounds like mortgage companies are slammed with applications in recent weeks given the low rates, so it may take some time to process...
by crg11
Mon Mar 16, 2020 5:12 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12851

Re: Are you still going to the gym ...

My gym is switching to an open gym format (no classes) and requesting everyone who does come to stagger start times, give space to each other (which I'm guessing won't be a problem if many of us workout from home), (obviously) clean religiously, etc. The gym is also posting home workouts for those o...
by crg11
Sun Mar 15, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Closing On A House Sale During A Pandemic
Replies: 22
Views: 2964

Re: Closing On A House Sale During A Pandemic

We will be in a similar situation soon (hopefully closing on a house) and my plans are...

1) Hire movers
2) Failing that, hire friends with promises of beer/pizza/whatever
3) If that fails, move myself what I can and then yard sale / dispose the rest
by crg11
Sun Mar 15, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: Safety and accessibility of Money Market Funds if Market is Closed or Liquidity Dries Up
Replies: 11
Views: 808

Re: Safety and accessibility of Money Market Funds if Market is Closed or Liquidity Dries Up

Last week I moved all of my Money Market Funds to a FDIC insured account. Just not worth the risk.
by crg11
Sat Mar 14, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 6029

Re: How Will Corona Virus affect the Real Estate Market ?

It’s an interesting time for sure to be looking for a house. We have to upgrade our house this year as another kid on the way arriving in the later half of the year and our current house is way too small. We want to be settled before the baby arrives. Our market here is so hot, houses go on the mark...
by crg11
Thu Mar 12, 2020 10:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21237
Views: 2881605

Re: U.S. stocks in free fall

Once thing I don't have in my IPS is what to do in a rapid market downswing like this one. So I'm thinking through a lot of this "on the fly" by reading this thread and sleeping on possible ideas. Steps I'm taking so far: Sold some stock options right before things headed south (in prepara...
by crg11
Wed Jan 22, 2020 9:02 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29059

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss.
by crg11
Thu Jan 02, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2397
Views: 546603

Re: Share your net worth progression

2013 (EOY) - $67,188.55 (Age 31) 2014 (EOY) - $100,111.69 2015 (EOY) - $160,178.09 2016 (EOY) - $254,650.84 2017 (EOY) - $322,443.67 2018 (EOY) - $390,562.23 2019 (EOY) - $555,862.82 (Age 37) Aggressive investments (maxed out my 401k and my/SO's IRAs since 2015), savings, and paying down debt (last ...
by crg11
Wed Jan 01, 2020 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 7124

Re: Parents vs. Kids Paying for College

I was the first person in our entire family line to have ever gone to and graduated from a 4-year college and all of us were figuring out how to make this work on the fly. My parents did not contribute to my college education costs other than co-signing on loans (which I paid for 100%). It was their...
by crg11
Wed Jan 01, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12288

Re: What Are Your 2020 Goals?

I have a few goals: Continue working on my mental/physical health Get my daughter through heart surgery successfully (likely end of year, excellent prognosis) Get promoted at work Read a lot more (30 books) Enjoy the outdoors a lot more (hiking, beach, skiing, etc) Stay the course on investment stra...
by crg11
Thu Jun 13, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 13618

Re: Retired at 35 and have no friends :(

Join a local gym that has group classes (I do CrossFit, but there are many others out there). There are so many people around even during the daytime classes and you often build awesome relationships this way.
by crg11
Sun Jun 09, 2019 6:56 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 7011

Re: Thank you, Taylor Larimore!

Thank you, Taylor! My great-grandfather fought in the Battle of the Bulge, part of a tank company. One day he was delivering a message to a general and a shell struck nearby. He was severely wounded, nearly lost an arm, and spent a couple years in hospitals after the battle...but he survived and liv...
by crg11
Thu Jun 06, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 4699

Re: Does a big family need 2 big cars? Question for 3 kid+ families

I've heard great things (both safety and fit) about the Dino radian car seats. https://us.diono.com/product-category/all-in-one-convertibles/. They are designed for narrow back seats and there are pictures/videos online of them fitting in some rather cramped scenarios. For example, I've seen a video...
by crg11
Tue Jun 04, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 30
Views: 3568

Re: Prepaid cell phone plan vs Regular Contract Plan

I ended up moving back to a postpaid Verizon plan. Verizon Prepaid coverage is so deprioritized in my area that simple data usage during commuting times and even on the weekend is almost dial-up speeds. I liked the discount (about half the cost of a postpaid plan), but if my service is unusable when...
by crg11
Thu May 30, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Good small SUV or AWD sedan recs
Replies: 39
Views: 2354

Re: Good small SUV or AWD sedan recs

I love my 2018 Crosstrek Limited (I live in NH). Definitely recommend.
by crg11
Tue May 21, 2019 9:48 am
Forum: Personal Investments
Topic: Consolidating to Fidelity
Replies: 30
Views: 3567

Re: Consolidating to Fidelity

The Fidelity as a one stop shop thread is probably something you should read.
by crg11
Thu Apr 11, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 66
Views: 6636

Re: YouTube TV is increasing their price - will you cancel it?

Will keep it as it is the only streaming option that has my local broadcast networks plus local sports networks. Still cheaper than a cable package and a lot easier to use (all via Apple TV and iOS apps).

I do hope this is the end of the price increases and that this channel lineup stays stable.
by crg11
Tue Apr 09, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 44
Views: 3930

Re: Infertility treatments/insurance/job situation

We had similar issues starting a family and went with IUI. All the tests said we were find and shouldn't be having "infertility" issues...but we were. Luckily our health insurance covered all of the tests leading up to the procedure, including figuring out the timing for the procedure, jus...
by crg11
Mon Apr 08, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 2363

Re: router internet parental controls

Blocking will never work. This coming from a person who in the mid 90s as a teen had internet access and knew far more than my parents. While I do have a few more years to go before my girls are anywhere close to being online, I already know how I will approach it with them thanks to the example my ...
by crg11
Fri Mar 08, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128416

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Word of warning to folks...if you're initiating a transfer to Fidelity from Optum Bank, do not select the "all funds" option when filling out the Fidelity transfer form. It caused my Optum Bank account to be closed, and I'm currently waiting to hear back from them on whether it can be reop...
by crg11
Sun Mar 03, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128416

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does the Fidelity HSA offer an option to attach receipts to transactions? I like Optum Bank's Expense Journal, makes it really easy to ensure we have proper documentation for each transaction. They do offer a free document vault, but I doubt it's linked to specific transactions. I don't have any wi...
by crg11
Sat Mar 02, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128416

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does the Fidelity HSA offer an option to attach receipts to transactions? I like Optum Bank's Expense Journal, makes it really easy to ensure we have proper documentation for each transaction.
by crg11
Mon Feb 25, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1913

Re: Which Free Antivirus for Macs?

There is no need for antivirus software on a Mac. You could make an argument that antivirus software opens up more attack vectors by rooting the operating system. Not that there isn't malware/viruses for Macs (there are), its just that typically you have to jump through lots of hoops to get somethin...
by crg11
Sat Feb 23, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Advisability of Using a Personal Trainer at the Gym
Replies: 52
Views: 4543

Re: Advisability of Using a Personal Trainer at the Gym

Might be worth seeing if there is a CrossFit gym in your area. It'll be cheaper than paying for a personal trainer regularly since every class has a certified coach, you get to meet some really great people in the group classes (the community to me is sometimes better than the workouts), and the wor...
by crg11
Thu Feb 21, 2019 3:31 pm
Forum: Personal Investments
Topic: 2018/2019 tax reporting - TurboTax Online versions
Replies: 8
Views: 505

Re: 2018/2019 tax reporting - TurboTax Online versions

Typically you can just build your return on Turbotax Free and based on what you enter in, Turbotax will automatically recommend the appropriate version (Free, Deluxe, Premier, etc) when your return is completed and ready to submit to the IRS. So no need to stress over that.
by crg11
Wed Feb 20, 2019 11:40 am
Forum: Personal Investments
Topic: Eliminate my emergency fund?
Replies: 90
Views: 8723

Re: Eliminate my emergency fund?

Rename the account something other than emergency fund. Problem solved. This is actually what I did recently. I now just have one big savings account for my cash. This is used for emergency fund as well as things like saving for trips, down payments, etc. It's at a separate financial firm from my d...
by crg11
Thu Jan 17, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 17
Views: 2794

Re: New dishwasher recommendations?

We bought the Bosch 300 series dishwasher recommended by Wirecutter (https://thewirecutter.com/reviews/the-best-dishwasher/) and it has been fantastic. Very few items have ever come out dirty (usually only if I haven't cleaned the filter recently), it is very quiet, and it dries reasonably well desp...
by crg11
Wed Jan 16, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62842

Re: John Bogle is dead at 89

Rest In Peace. I’ve dreamed of meeting him and thanking him, but alas that was not meant to be. Let his philosophy and example live on.
by crg11
Tue Jan 01, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 10205

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I actually finished my 2018 Roth IRA contributions in October (in the past my SO and I DCA’d with monthly contributions), so we were able to save up a couple of months worth of contributions plus a little extra to kick off 2019 running. Just submitted those transactions to Fidelity in the past hour....