Search found 4370 matches

by DaftInvestor
Mon Apr 22, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 1916

Re: What are your 5 favorite tools (hand, power, other)

Two other respondents essentially beat me to it on a couple of these it but I'll repeat anyway: 1) Laptop computer (track shipments and contractor quotes) 2) Smartphone (Call contractors and track contractor quotes when traveling) 3) Corkscrew (enjoy a bottle of wine at night after working hard all ...
by DaftInvestor
Mon Apr 22, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1271

Re: Apple Air

Note Apple uses the word "Air" all over the place, to mean different things. Most folks above assumed you meant the "Air" version of their hardware but there are other places it is used. As another example not yet mentioned above - their is also "AirPrint" which is Apple's proprietary printer-protoc...
by DaftInvestor
Mon Apr 22, 2019 2:04 pm
Forum: Personal Investments
Topic: Invest 529 or taxable account?
Replies: 25
Views: 1766

Re: Invest 529 or taxable account?

Tell your friend their accountant is wrong (as others have stated).
Go with the 529 - why pay taxes if you don't have to.
I continue to be surprised by the number of folks who come with with (incorrect) reasons not to use the 529.
by DaftInvestor
Mon Apr 22, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: When to prioritize funding 529?
Replies: 19
Views: 1229

Re: When to prioritize funding 529?

I don't like to pay taxes if I don't have to so I prioritized funding 529 accounts over taxable.
If you plan on funding your child's education why not take advantage of 20 years of tax-free growth on your money?
Why pay taxes if you don't have to? I'd start funding immediately.
by DaftInvestor
Mon Apr 22, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 424
Views: 28727

Re: How did you feel about your 2018 tax returns?

It was simpler in the sense that I didn't bother entering a lot of my deductions (Charities usually take some time) as I knew I'd be taking the standard deduction. I felt good about my return in that I received a higher paycheck through the year and paid less taxes overall (even with the loss of som...
by DaftInvestor
Mon Apr 22, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1444

Re: Controlling Ivy on walls

A couple of squirts with Round-Up will take care of things.
by DaftInvestor
Wed Apr 17, 2019 7:04 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 460
Views: 28545

Re: My trend following strategy and experience

So far - 3 months (1/4 of the year) into this market timing strategy of abandoning stocks has cost some nice gains. Any regrets yet? Suppose a Boglehead newbie started in August 2008. Would you think it was fair to ask such a question by October 2008? So far - 3 months (1/4 of the year) into this m...
by DaftInvestor
Wed Apr 17, 2019 6:53 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 460
Views: 28545

Re: My trend following strategy and experience

So far - 3 months (1/4 of the year) into this market timing strategy of abandoning stocks has cost some nice gains. Any regrets yet? He’s been back in stocks per the trading strategy since Feb and he’s already addressed your question multiple times in the thread if you’d bother reading it. Missed t...
by DaftInvestor
Tue Apr 16, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 460
Views: 28545

Re: My trend following strategy and experience

So far - 3 months (1/4 of the year) into this market timing strategy of abandoning stocks has cost some nice gains.
Any regrets yet?
by DaftInvestor
Mon Apr 15, 2019 7:18 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

TheTimeLord wrote:
Sat Apr 13, 2019 8:33 am
DaftInvestor wrote:
Wed Apr 10, 2019 11:59 am
The only conclusion one can draw at this time is that the Fidelity Funds have the lower ER.
I think we could also draw some conclusions about people obsessing over things like this too.

You lost me. Who's obsessing and what conclusions do you draw as a result?
by DaftInvestor
Wed Apr 10, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8102

Re: Are Airport Lounges Worth the Money?

I used to think they were worthwhile but now I simply avoid long lay-overs or spending too much time at the airport before a flight. There is obviously the occasional delay whereby I wish had access (and sometimes I still do depending upon the status-level I have of the airline I'm on). Also: - Many...
by DaftInvestor
Wed Apr 10, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: FIDO Zero Funds losing to Vanguard?
Replies: 58
Views: 6695

Re: FIDO Zero Funds losing to Vanguard?

The only conclusion one can draw at this time is that the Fidelity Funds have the lower ER.
by DaftInvestor
Tue Apr 09, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 41
Views: 4928

Re: IRS 2% bounced check fee!!

If, on the other hand, I initiate a transfer from Point A to Point B; and then initiate a second transfer from Point B to Point C - "hoping" the first will clear in time for the second to occur cleanly - is this reasonable? I think it could be reasonable, especially if the "hope" is based on past e...
by DaftInvestor
Tue Apr 09, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 41
Views: 4928

Re: IRS 2% bounced check fee!!

Unless it was a bank error of sorts (sounds like it was NOT) since you made the mistake and wrote a bad-check - you've got to pay the fine. I don't want to keep harping on this, but that's not what the law says. The law specifically states, "This section shall not apply if the person tendered such ...
by DaftInvestor
Tue Apr 09, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 18463

Re: Wife hates new job...wants to quit after 1 day

I would take an embracing stance with this new opportunity she has. With restructuring sometimes comes great opportunity. If she was hired to lead a team of 13 and they have just gone through lay-offs and restructuring it is possible there might be an opportunity for her somewhere else within the co...
by DaftInvestor
Tue Apr 09, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2% bounced check fee!!
Replies: 41
Views: 4928

Re: IRS 2% bounced check fee!!

2% is steep but it is documented by them. Unless it was a bank error of sorts (sounds like it was NOT) since you made the mistake and wrote a bad-check - you've got to pay the fine. This is a good lesson to everyone. I'm in my 50's - have never written a bad check in my life - I never write checks o...
by DaftInvestor
Fri Apr 05, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Frugality with Shared Devices and Fraud Detection
Replies: 10
Views: 910

Re: Frugality with Shared Devices and Fraud Detection

Thanks for all the replies.
Interesting story about Ally tracking by state.
by DaftInvestor
Tue Apr 02, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21549

Re: "The best and worst U.S. states for retirement"

It is true that parts of Florida are gorgeous and the weather is terrific. Regarding the weather - that is somewhat up for debate (although I realize many might agree with you). Personally - Florida is one of the last places I would want to live year round because of the weather. I can't stand the ...
by DaftInvestor
Tue Apr 02, 2019 2:07 pm
Forum: Non-US Investing
Topic: Your opinion on debt?
Replies: 111
Views: 6485

Re: Your opinion on debt?

If its 0% I usually take it (bought three cars at 0%). If its less than 1% I consider it. Otherwise - I no longer take on debt.
by DaftInvestor
Tue Apr 02, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Second Favorite Financial Forums
Replies: 8
Views: 1451

Second Favorite Financial Forums

Besides Bogleheads.org - in which other financial forums do you participate?
by DaftInvestor
Tue Apr 02, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Frugality with Shared Devices and Fraud Detection
Replies: 10
Views: 910

Re: Frugality with Shared Devices and Fraud Detection

Your problem surprises and confuses me. How exactly does the unnamed financial site know that one person is using two different usernames and why do they care? If it's based on IP address, that's odd, because typically all the computers in a household use the same IP address, same thing goes for a ...
by DaftInvestor
Tue Apr 02, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Frugality with Shared Devices and Fraud Detection
Replies: 10
Views: 910

Re: Frugality with Shared Devices and Fraud Detection

Many times your username will be your email. You would have difficulty having two accounts with one email in that instance. Thanks for the response. So far - I haven't hit that issue (Vanguard, Schwab, Fidelity, BAC, Citi, Chase, ..., - all use Usernames for identification and not email address).
by DaftInvestor
Tue Apr 02, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Frugality with Shared Devices and Fraud Detection
Replies: 10
Views: 910

Frugality with Shared Devices and Fraud Detection

My significant other and I share a number of devices (home computer, laptop, tablet, ... - sometimes also share the better of our two smart phones - passing it back and forth while traveling). Recently one of us was blocked/banned from a financial website for reportedly using two Usernames by the sa...
by DaftInvestor
Mon Mar 11, 2019 12:43 pm
Forum: Personal Investments
Topic: Hard copies
Replies: 12
Views: 948

Re: Hard copies

I'd be interested to know actually, what backup records financial firms keep in the event of a catastrophic system loss. Let's say an EMP or meteor falls on Fidelity. How many different copies of these records do the keep in different places and in what format? These days I'm sure it is all electro...
by DaftInvestor
Mon Mar 11, 2019 12:19 pm
Forum: Personal Investments
Topic: Hard copies
Replies: 12
Views: 948

Re: Hard copies

No hard copies. (Well - only hard copies are disk-drives with soft copies on them. I'm not big on cloud storage for private documents). Everything is stored on my computer - all monthly statement PDFs are downloaded therein. My computer is backed up to two drives. Every six months I backup to an add...
by DaftInvestor
Mon Mar 11, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10102

Re: What are your personal experiences with downside of early retirement?

If you don't have succession planning then you have problems with early retirees.
I wouldn't call this a downside of early retirement - but a downside of poor corporate planning.
by DaftInvestor
Mon Mar 11, 2019 7:53 am
Forum: Personal Investments
Topic: Robo advisors!
Replies: 38
Views: 3013

Re: Robo advisors!

Finally getting rid of the (Fidelity) actively-managed funds in my IRA! I was planning to just move everything to Vanguard. If you decide not to go the Robo route - I would consider leaving your money at Fidelity and using their primary zero-expense-ratio Index Funds: FZROX Fidelity ZERO Total Mark...
by DaftInvestor
Fri Mar 08, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

If a dog is threatening, fine, shoot it. So here's the problem - how do you know if it is "threatening"?? If it runs at me with its tail wagging it might be getting excited to say hi to me or it might be getting excited to attack me. You can't tell the difference. If its one of the top 3 killer dog...
by DaftInvestor
Fri Mar 08, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

If you want your dog to human analogy to work - here is how you can fix it: Unleashed dogs are illegal in my area. They are known to bite and maim people. If one approaches me I have a right to defend myself even if it means I need to shoot the dog. People breaking into and entering my house with a...
by DaftInvestor
Fri Mar 08, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

Why is a friendly dog a big problem? Serious question. Because I don't know that your dog is in fact friendly, and even if it is, I don't want its slobber all over me. :D The answer is "Because there really is not such thing as a 'friendly dog'". They are animals - might be friendly one minute and ...
by DaftInvestor
Fri Mar 08, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

People also attack and sometimes kill people. Maybe you guys should shoot every stranger that approaches you on the sidewalk in the head too. Seriously, it's the SAME argument. It's not the same argument at all. Its not even close. Humans are humans; dogs are animals and property. Dogs are supposed...
by DaftInvestor
Fri Mar 08, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

People also attack and sometimes kill people. Maybe you guys should shoot every stranger that approaches you on the sidewalk in the head too. Seriously, it's the SAME argument. It's not the same argument at all. Its not even close. Humans are humans; dogs are animals and property. Dogs are supposed...
by DaftInvestor
Fri Mar 08, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

As I said, I do keep my own dog on a leash, and I agree that all responsible dog owners should do the same. It's the "shoot first ask questions later" self defense attitude that concerns me. In the US: 4.7M bites last year; 40 deaths last year. What's the concern with folks wanting to defend themse...
by DaftInvestor
Fri Mar 08, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

I'm sorry you were attacked like that, but y ou are taking the death of a dog too lightly . Most dog owners care deeply for their dogs, and I know many who consider dogs as part of the family or even pseudo-children. You'd better be damn sure that dog is coming to bite you and not looking to get a ...
by DaftInvestor
Fri Mar 08, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

9. If a dog injures you or your dog, and the dog owner provides contact info, and the owner has homeowner insurance, it will reimburse you. What if the dog isn't listed on homeowners insurance? In that case - I would think homeowners wouldn't accept the claim. I also assume if someone is irresponsi...
by DaftInvestor
Fri Mar 08, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

9. If a dog injures you or your dog, and the dog owner provides contact info, and the owner has homeowner insurance, it will reimburse you. What if the dog isn't listed on homeowners insurance? In that case - I would think homeowners wouldn't accept the claim. I also assume if someone is irresponsi...
by DaftInvestor
Fri Mar 08, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

Lots of emotions on both sides - by those who think their well-trained dog is somehow immune to ever biting or attacking; and those that have been bitten or attacked. So how about a few stats: 4.7 Million people per year get bit by dogs (per CDC) - that's 1 out of every 69 people in the US per year....
by DaftInvestor
Fri Mar 08, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7052

Re: attacked by off-leash dog

If you don't carry a gun or pepper spray pick up the nearest large rock or stick when you see an unleashed dog. Be ready to wack it over the head if it approaches you - don't take chances that you will end up injured for life. I let the owner clearly know "If you don't isn't under your control and a...
by DaftInvestor
Thu Mar 07, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10605

Re: Best Car Values

To each there own - some of these is personal preference. I don't like luxury cars but understand why others spend more on them. I don't like 10-year old cars but understand why others are okay with them. I'd rather have a brand new Camry than a 5 year old Lexus (I realize others feel differently)....
by DaftInvestor
Thu Mar 07, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10605

Re: Best Car Values

To each there own - some of these is personal preference. I don't like luxury cars but understand why others spend more on them. I don't like 10-year old cars but understand why others are okay with them. I'd rather have a brand new Camry than a 5 year old Lexus (I realize others feel differently)....
by DaftInvestor
Thu Mar 07, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 114
Views: 11658

Re: Bogle "5% Gold"

I am with Warren Buffet when it comes to gold - its not even an investment - its a speculation. ….it is an entirely different game to buy a lump of something and hope that somebody else pays you more for that lump two years from now than it is to buy something that you expect to produce income for ...
by DaftInvestor
Thu Mar 07, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10605

Re: Best Car Values

I buy new - Honda, Toyota, or Subaru. Sure "Cars lose value as soon as driven off the lot" but cars just driven off lot don't exist for sale and with these brands - if you time your purchase right and negotiate right getting the new car purchased below invoice price - it can literally be only a few ...
by DaftInvestor
Thu Mar 07, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Why all the surveys?
Replies: 38
Views: 2210

Re: Why all the surveys?

I am not sure why you stated "Of course I never respond". That simply means your opinion isn't counted while others are counted. Not sure why some are responding saying they provide incorrect results - or to say no so they will go away. I respond to the shorter ones. I appreciate the fact that these...
by DaftInvestor
Thu Mar 07, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 114
Views: 11658

Re: Bogle "5% Gold"

I am with Warren Buffet when it comes to gold - its not even an investment - its a speculation. ….it is an entirely different game to buy a lump of something and hope that somebody else pays you more for that lump two years from now than it is to buy something that you expect to produce income for y...
by DaftInvestor
Thu Mar 07, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6284

Re: If you have a serious health problem, do you retire or?

I assume Alex Trebek is continuing to work because he likes it - not for his health benefits (do you really think he can't afford health benefits on his own?).
by DaftInvestor
Thu Mar 07, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 41
Views: 4423

Re: Which of these Online Savings Accounts (high-yield) are reliable?

Now that Money-Markets are back above HY-Savings for the first time in years - that would be a consideration. I've been watching rates for years - there are always some banks (likely like those you mention) that have high rates for short periods of time. Then there is Redneck Bank (which I could nev...
by DaftInvestor
Wed Feb 27, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity’s Fees on Low-Cost Funds Eyed in Government Probe - oops...
Replies: 43
Views: 4879

Re: Fidelity’s Fees on Low-Cost Funds Eyed in Government Probe - oops...

For those praising Fido over VG, oops... How do you draw this conclusion? In the same manner I didn't pull all my money from Vanguard when I read an interview with Bogle in Time magazine (shortly after he stepped down as Vanguard CEO) criticizing Vanguard for no longer publicizing Executive pay I d...
by DaftInvestor
Tue Feb 26, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9036

Re: How did mylife.com get my info?

You are all wasting your time worrying about this - they have thousands of complaints against them with the BBB and have had a number of lawsuits against them throughout the years. There are reputable background check services and mylife.com is NOT one of them (e.g. no sane business/corporation use...
by DaftInvestor
Tue Feb 26, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4080

Re: Anyone Keep a Second Fridge in Garage?

We keep ours in the basement - maybe put in a basement 8-)
by DaftInvestor
Tue Feb 26, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 9036

Re: How did mylife.com get my info?

You are all wasting your time worrying about this - they have thousands of complaints against them with the BBB and have had a number of lawsuits against them throughout the years. There are reputable background check services and mylife.com is NOT one of them (e.g. no sane business/corporation uses...