Search found 449 matches

by mmcmonster
Thu Jul 30, 2020 5:08 am
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6581

Re: How dead is dead? (USPS mail)

Regular junk mail I put straight in recycling. Then there's junk mail that has a bit too much personal information or applications for credit cards and such. Those go through the shredder and then in recycling. Remember to use the shredder. Don't give the dumpster divers anything interesting to look...
by mmcmonster
Wed Jul 29, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: How dead is dead? (USPS mail)
Replies: 60
Views: 6581

Re: How dead is dead? (USPS mail)

Look into filing a Form 1500, Application for Listing and/or Prohibitory Order - USPS, with the Post Office. Available at: https://about.usps.com/forms/ps1500.pdf Basically, the addressee and addressee alone is allowed to deem any mailing to be "sexually suggestive." And then that mailer is not all...
by mmcmonster
Thu Jul 23, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: For 60k, a X5 or Tesla model Y?
Replies: 56
Views: 5161

Re: For 60k, a X5 or Tesla model Y?

Ok, fair point. My older vehicle predates having the features you list (and has a manual transmission). But, fwiw, I’ve never found much use even for (conventional) cruise control. I never much used regular cruise control, either. If anything, it was annoying if there was any other cars around you,...
by mmcmonster
Wed Jul 22, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: For 60k, a X5 or Tesla model Y?
Replies: 56
Views: 5161

Re: For 60k, a X5 or Tesla model Y?

I used to drive BMW Model 3s. I have a Tesla Model Y. Got it a month ago. It's actually my second Tesla. (The first -- a Model S -- got wrecked. Someone didn't stop at a stop sign when getting off the highway and T-boned me. I had 6 years and 120k miles on it. Insurance gave me $30k for the wrecked ...
by mmcmonster
Sat Jul 11, 2020 5:30 am
Forum: Personal Consumer Issues
Topic: Recommendation for a good efficient mini tower PC
Replies: 56
Views: 2524

Re: Recommendation for a good efficient mini tower PC

How good are you with the software side of things? With installing/maintaining a Linux distribution? If you're reasonably comfortable with Linux, you may want to offload your SSDs to external enclosures and hook them up to a Raspberry Pi 3b (or higher) and set it up as a file server and put it somew...
by mmcmonster
Sun Jul 05, 2020 5:47 am
Forum: Personal Finance (Not Investing)
Topic: 529 fairness?
Replies: 45
Views: 3960

Re: 529 fairness?

Fair does not mean equal. I put the same amount in each of my kids plans, ever since they were born. They're three year apart in age. Their plans have different aggressiveness levels, basically because I couldn't tell at the time if being more aggressive (higher percentage stocks) was going to be o...
by mmcmonster
Tue Jun 30, 2020 4:56 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3927

Re: My next move: 1 M in gold and 1 M in Zoom

Have you any experience with Amazon? Have you been dissatisfied with them? Many times when I went out shopping I felt dissatisfied for one reason or another, and I often thought 'this company will not prosper in the log term, because you get a much better experience at Amazon'. These days I buy bas...
by mmcmonster
Tue Jun 30, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3927

Re: My next move: 1 M in gold and 1 M in Zoom

[...]Should anyone intelligently disagree with my intuition, I will give their argument serious thought and I am open to reconsider. I'll take a nibble: My concern isn't with your anti-Boglehead philosophy. My concern is that $2M is a lot of money for most of the people on this forum. It's likely a...
by mmcmonster
Tue Jun 30, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: CNBC - How to watch live ?
Replies: 17
Views: 1292

Re: CNBC - How to watch live ?

confusedinvestor wrote:
Tue Jun 30, 2020 3:54 pm
[...]"To continue delivering the best content and service possible, we’re also updating our price for new and existing members to $64.99/month. Your base membership price will change on 08/16/2020. "
Per month??? :shock:
by mmcmonster
Mon Jun 22, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Windows 7 Extended Security Updates, to January 2023
Replies: 17
Views: 1385

Re: Windows 7 Extended Security Updates, to January 2023

I just don't get the desire to hold onto an OS from 2009 at this point. Most of the major complaints about Windows 10 have been addressed in the 5 years or so since release. Of course it's not perfect, but in my experience it runs very well. Perhaps the original poster was concerned about the telem...
by mmcmonster
Sun Jun 14, 2020 6:21 am
Forum: Personal Finance (Not Investing)
Topic: So Are Home Renovations Worth It (Financially) Or Not?
Replies: 105
Views: 7539

Re: So Are Home Renovations Worth It (Financially) Or Not?

When renovating, don't price yourself out of your neighborhood. The problem is, sometimes a house on your block sells for much less than it's value. You've basically lost value in your house until others in the neighborhood sell and bring the "comps" back up. I live on a block with average home pric...
by mmcmonster
Wed Jun 10, 2020 5:09 am
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 248
Views: 13929

Re: Paul Tudor: Compelling case for bitcoin ?

I know nothing about this. Do you guess in the lifetime of those reading this forum or beyond? I bet there are many other risks for bitcoin going to 0. There is also a chance it will be worth much more years from now. No one knows. I fully expect this to be in my lifetime. Mathematics and physics w...
by mmcmonster
Sat Jun 06, 2020 8:22 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1553
Views: 205316

Re: Post your Financial Milestone Announcements Here

A slightly different milestone: It's been 5 years since I started tracking my net worth on a monthly basis, complete with figuring out my asset allocation. This allows me to graph my net worth over the five year time period. It also gives me comfort to stay the course, since I can see the steady upw...
by mmcmonster
Thu Jun 04, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1372

Re: Linux Users- Are you running antivirus?

No. I run lots of hundreds of Linux systems professionally. AV software works by checking files for virus "signatures", which are just strings, or (regular expressions). Viruses nowadays are polymorphic. This means that the virus signature is different with every infection The best thing is to watc...
by mmcmonster
Tue May 19, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6546

Re: Alternatives to Craftsman Tools

Yeah unfortunately they've been crap for quite a few years now. Like others have said, Husky (Home Depot) and Kobalt (Lowe's) are the modern equivalent of what Craftsman used to be. For power tools, I would say Rigid (Home Depot) is the modern equivalent. Agree with the Home Depot brands, Rigid and...
by mmcmonster
Sun May 17, 2020 7:11 am
Forum: Personal Investments
Topic: Ever Buy a “Good Cause” Stock?
Replies: 11
Views: 645

Re: Ever Buy a “Good Cause” Stock?

I bought a Tesla some years ago, when it wasn’t such a foregone conclusion that EVs were here to stay. I knowingly overpaid for the car. I don’t buy individual stocks. Buying shares only very indirectly benefits the company. I bought a Tesla several years ago, pretty much for the same reason. Overp...
by mmcmonster
Mon May 11, 2020 7:37 am
Forum: Personal Investments
Topic: Any love for DFA?
Replies: 38
Views: 3286

Re: Any love for DFA?

Reminds me of the Xerox research work with the graphical interface and mouse that they never capitalized on. A bit off topic, but the GUI and Mouse were certainly decades ahead of their time. There are good reasons the original demo (in 1968!!!) is looked upon fondly and known as The Mother of All ...
by mmcmonster
Fri May 08, 2020 4:59 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 3115

Re: IE, Chrome or Firefox, that is the question.

As someone who's used every iteration of Firefox from the beginning (back when it was Netscape Navigator)... Firefox is better if you need/use special add-ons. The add-on community for it has grown over the decades and is quite diverse. The Bookmarks sidebar and management are better as well. Chrome...
by mmcmonster
Mon May 04, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2452

Re: How Long Should A Bed Last?

When we first moved into our first home (2005), we bought a Memory Foam (tm) mattress. Our daughter was young and we knew we were going to have a second child, so we bought a waterproof all-around cover/enclosure that we've kept it in. We still sleep on the same mattress and have absolutely no probl...
by mmcmonster
Sun May 03, 2020 10:14 am
Forum: Personal Investments
Topic: How long is this profit sustainable as a New Trader?
Replies: 58
Views: 3528

Re: How long is this profit sustainable as a New Trader?

If your goal is to underperform SPY by 1/3 each month, you could try a 66/33 portfolio of SPY/bonds and see how it goes, with less work than whatever you’re doing Ok thanks. It's 100% SPY now. Good that you're listening to others. Listen to everyone and do your own critical thinking. Read some book...
by mmcmonster
Mon Apr 27, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn´t I buy oil futures now?
Replies: 92
Views: 7306

Re: Why shouldn´t I buy oil futures now?

I bought 1 December oil futures contract (CLZ0) at $27.15. My bet is that oil will trade significantly higher than that at some point between now and December, and that the price of the December contract will rise correspondingly. Will see how it turns out! So that means if oil went to zero, you'd ...
by mmcmonster
Sun Apr 26, 2020 11:16 am
Forum: Personal Investments
Topic: Is there a maximum one should keep at one brokerage firm?
Replies: 25
Views: 1647

Re: Is there a maximum one should keep at one brokerage firm?

On Black Monday in 1987, Janus' phone system collapsed under the weight of the calls. Whether it is an attack or some type of system failure or just a crash, its possible again today; we have all heard of companies having so much internet traffic they crash. While the companies have disaster recove...
by mmcmonster
Sat Apr 25, 2020 6:14 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 93
Views: 10704

Re: Dave Ramsey against index funds?

To be fair, I don't think that's an accurate portrayal, if you listen closely enough you'll see he's recommended the S&P 500 index from Vanguard, many a time. In fact, he say's he owns an S&P 500 fund. That said, he does recommend the folks who call up his program to talk with SmartVestor Pro's, bu...
by mmcmonster
Fri Apr 24, 2020 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13080

Re: Moving out of NYC due to pandemic

Good luck with that. We know the tests are not perfect. In this climate, people in general are not going to believe such a claim. I will add that recently the police were called to a nearby town because people had cut down a tree to block an out of towner's driveway so they could not easily go abou...
by mmcmonster
Fri Apr 24, 2020 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13080

Re: Moving out of NYC due to pandemic

I did my training in NYC and now work with the surgeons who trained me. I am not going to find similar group of supportive people again. Also, as an early career physician, my compensation is almost at the top percentile. Otherwise, I do not have much allure for NYC as such. Everything is so expens...
by mmcmonster
Thu Apr 23, 2020 11:36 am
Forum: Investing - Theory, News & General
Topic: Which % to be held in bonds, if Not age?
Replies: 70
Views: 4360

Re: Which % to be held in bonds, if Not age?

In my understanding of the 3 fund portfolio, a common way for someone to divide their portfolio into the 3 funds is to use their age as their percentage of bonds and make an adjustment each year as their age changes. But I’ve noticed, for some time, that quite a few people don’t use age. Maybe it’s...
by mmcmonster
Tue Apr 14, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: New to Linux Ubuntu
Replies: 29
Views: 1530

Re: New to Linux Ubuntu

Congrats on the jump to Ubuntu. I was like you when I first moved to Linux, back in later 2004/early 2005. I used Ubuntu for quite a number of years, and still use their forums ( https://ubuntuforums.org/ ) for questions. They have a very vibrant use community who are just as pleasant to deal with a...
by mmcmonster
Sat Apr 11, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17660

Re: What will you do first, once COVID pandemic is over?

Unix end of time is coming in 2038. There will always be big scary problems to solve. All 32 bit computers running UNIX/Linux type OSs typically store their time as number of seconds since Jan1, 1970. In 2038, all of these systems will roll over and act like it’s early 1900. Many of those systems a...
by mmcmonster
Sat Apr 11, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17660

Re: What will you do first, once COVID pandemic is over?

quantAndHold wrote:
Sat Mar 28, 2020 7:29 pm
Hug someone.
Become a hugger. Hopefully not in a creepy way. :oops:
by mmcmonster
Thu Apr 09, 2020 7:16 am
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3524

Re: How often do you add money to stock market?

Every week. Automated from all our paychecks which usually works out to every week for most weeks. Every week. I have Vanguard automatically take money from my checking account and put it into Total Stock Market once a week. In addition, I gave them take money at the beginning of every month at put...
by mmcmonster
Tue Mar 31, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11854

Re: Mortgage - Keep balance as High as Possible

Person A house could be foreclosed and sold way easier than Person B. So Person A refinances to $300,000 and sticks $175,000 in the bank for a rainy day. What do you think? Since you're asking ... When times aren't good, you take on (long term) debt. When times are good, you pay it off. I think tha...
by mmcmonster
Sun Mar 29, 2020 5:56 am
Forum: Investing - Theory, News & General
Topic: I won the game but kept playing
Replies: 133
Views: 11977

Re: I won the game but kept playing

There should be a much greater emphasis on an "Exit Strategy" as far as I'm concerned. You read these boards and 99% of strategy is centered around the do's and don'ts of accumulation. An exit strategy needs to be in place for those that have won the game. How do you exit without triggering massive...
by mmcmonster
Wed Mar 25, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1859

Re: My treadmill broke. Now what?

Also, how exactly did it break? Maybe it can be fixed. YouTube is great for stuff like this. Good point! The house circuit breaker trips when I start the motor. (Drive motor fault?) I don't feel comfortable fixing/replacing that myself. The last time we had a problem and had to get it fixed (in 201...
by mmcmonster
Wed Mar 25, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1859

Re: My treadmill broke. Now what?

mortfree wrote:
Wed Mar 25, 2020 5:01 pm
Sole F80 was a recent recommendation

viewtopic.php?t=305508
Thanks.

Any good elliptical recommendations? Or is anything from Sole good?
by mmcmonster
Wed Mar 25, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1859

Re: My treadmill broke. Now what?

I recommend a road. I really don't like exercising outside. I'm quite self conscious about both my weight and my stamina (the idea of others seeing me walk when I should be jogging bothers me greatly). Whatever I do has to be in the comfort of my own basement. I also find exercising deadly boring. ...
by mmcmonster
Wed Mar 25, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1859

My treadmill broke. Now what?

So I've had a treadmill that broke and I'm not sure what to replace it with. I'm in my late 40s and not a very athletic person, but do enjoy going on the treadmill daily for 40-50 minutes. For the last few months I wished I had something for my upper body as well. My first thoughts were either a new...
by mmcmonster
Tue Mar 24, 2020 5:17 am
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 358
Views: 34821

Re: It's Not Different This Time

A lot of newer forum participants have been surprised to see so many supposed Bogleheads panicking, selling low, market timing, picking individual stocks etc. They are surprised because they thought Bogleheads didn't do this stuff. Indeed, their mentor, Jack Bogle, said I've said "Stay the course" ...
by mmcmonster
Thu Mar 19, 2020 4:48 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 106
Views: 10874

Re: Thinking I should go car shopping amidst the panic

Does anyone see an ethical issue with trying to take advantage of this health crisis? You're not alone. There are (apparently) laws about stores not jacking up the prices of things in a crisis. (Look at all the news stories about that guy stuck with thousands of bottles of hand sanitizer he can't d...
by mmcmonster
Wed Mar 18, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife file for unemployment?
Replies: 6
Views: 757

Should my wife file for unemployment?

We are a two health-care-provider household. We're doing well (we are both physical and financial healthy), and can afford to ride this current health crisis through. I consider us blessed. My wife is a dentist that works a set number of days as an employee of a (multi-office) dental group. The grou...
by mmcmonster
Wed Mar 18, 2020 5:36 am
Forum: Investing - Theory, News & General
Topic: Gold $1600 Oz - When?
Replies: 362
Views: 24590

Re: Gold $1600 Oz - When?

Looks like OP got their wish for $1600+ per oz. gold. Likely (but not guaranteed of course) to be a Cornoavirus fear trade. https://www.cnbc.com/2020/02/20/gold-surges-to-7-year-high-as-investors-seek-safety-trade.html I wouldn't call it a *wish*, per se. Any gains I might have in gold, because my ...
by mmcmonster
Sun Mar 15, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Should I purchase a projector or big screen TV?
Replies: 13
Views: 704

Re: Should I purchase a projector or big screen TV?

If the room is going to be totally dark whenever the screen is being used, a laser projector is the best option available. The problem is, unless you're talking about a dedicated home theater with no windows and with closed doors, it's generally too bright. I have neighbors with home theaters with p...
by mmcmonster
Sat Mar 14, 2020 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2383

Re: Google sheets vs Excel; end of life Office 2010

LibreOffice Well, of course. Love the spreadsheet application and the word processor. Hard to say which is better, since they're both fantastic. Can the price can't be beat (free!). Nice for those times I need to do stuff without web access, or for things I don't trust to be placed on the web (ie: ...
by mmcmonster
Tue Mar 10, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: what to do with older Android tablets
Replies: 18
Views: 1285

Re: what to do with older Android tablets

I used my first generation iPad as a Kindle Reader and Comic Book reader, as well as to hold my .mp3 music collection for several years.

Finally, DW gave it to my MIL to play Soduku (one of the few apps that still worked on it).

I got myself a new iPad Pro for the next several years. :D
by mmcmonster
Sun Mar 08, 2020 6:29 am
Forum: Personal Investments
Topic: Living off dividends in retirement?
Replies: 106
Views: 8293

Re: Living off dividends in retirement?

I have family that retired and live off of the dividends from Total Stock and Intermediate Term Tax Exempt. It works. Total Stock Market Index Fund has a dividend rate of ~2 percent. If you have enough to live off of 2%, you'll do fine no mater what strategy you choose. My eventual goal is similar....
by mmcmonster
Sat Mar 07, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138666

Re: Coronavirus (Consumer Issues) How you are preparing?

What if anything are you doing to prepare? Exercise regularly. Eat healthy. Keep well hydrated. Wash my hands regularly. Don't lick people's eye balls. (see: https://xkcd.com/2277/ and https://www.cbsnews.com/news/japanese-eyeball-licking-trend-carries-blindness-risk/ ) Remember: Flu kills more peo...
by mmcmonster
Mon Mar 02, 2020 8:28 am
Forum: Non-US Investing
Topic: Rebalancing during Coronavirus crisis
Replies: 28
Views: 2448

Re: Rebalancing during Coronavirus crisis

[..]My question is: should I rebalance tomorrow (a lot of bonds etf would be sold to buy vanguard etf given the collapse of the vanguard), or should I wait to see where this crisis leads us? Like you, I'm in the accumulation phase of my investing carreer. I have as part of my Investor Policy Statem...
by mmcmonster
Thu Feb 20, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Is it safe to reuse glass (Gerolsteiner) water bottles
Replies: 35
Views: 2743

Re: Is it safe to reuse glass (Gerolsteiner) water bottles

atikovi wrote:
Thu Feb 20, 2020 5:37 pm
[...]
Still alive.
Clearly survivorship bias.

:D
by mmcmonster
Wed Feb 19, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: xkcd on stock picking
Replies: 27
Views: 3506

Re: xkcd on stock picking

For those that don't know, XKCD (https://xkcd.com/) is a web comic that comes out three times a week. The author, Randal Monroe, is a science and math geek that does deep dives into various branches of science and popular culture. The one he did on Money ( https://www.bogleheads.org/forum/viewtopic....
by mmcmonster
Mon Feb 17, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5659
Views: 1369075

Re: What Movie Have You Recently Watched?

(warning, possibly minor spoilers) The Avengers: Endgame Before I explain what I liked / didn't like about this movie I want to explain that when I watched Avengers: Infinity War I honestly thought that was the last Avengers movie and I was beyond thrilled with the ending because it was unexpected ...
by mmcmonster
Sun Feb 16, 2020 7:15 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18611

Re: Who’s Buying Bitcoin?

Asset allocation for something like cryptocurrencies should be less than 1 or 2% of total portfolio. I have less than 1 percent and hold Bitcoin, LTC and ETH. Definitely is a gamble and you should only use money you don't need and quite possibly lose. Good luck! I agree completely. I will cap it at...