Search found 5557 matches

by DaftInvestor
Mon Sep 28, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 51
Views: 1872

Re: DSLR camera improvement suggestions

Newer cameras can capture larger dynamic ranges of light and have much better built in post-processing in their JPG outputs than your 10 year old camera - so does your Pixel 3. However, your old Cannon can give you the creative control if you really want to learn photography. (Learn about the triad ...
by DaftInvestor
Mon Sep 28, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Does anyone recommend this $350 laptop?
Replies: 42
Views: 2489

Re: Does anyone recommend this $350 laptop?

Okay for Web Browsing and a few basic things - 4GB RAM and 128GB SSD would be too small for my needs. Note it ships with Windows in "S" mode - can't load any Apps except through Microsoft store, etc. I once bought a "spare" cheap laptop for the kids when one died and went in for warranty repair - bu...
by DaftInvestor
Sun Sep 27, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 65
Views: 4783

Re: DIY life style. Typical Boglehead?

I DIY things I enjoy, hire for things I hate doing, and assess time/trouble/money/risk for everything in between. Life is too short (and my work hours already too long) to DIY everything.
by DaftInvestor
Sun Sep 27, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 53
Views: 3698

Re: What are subscriptions that add the most value in 2020?

I know there are old threads about subscriptions but wanted to see some fresh recommendations in case I missed something. I currently have: 1- 1Password (on trial but plan to pay after it ends, coming from Lastpass and can see the better product) 2- Idrive for backup 3- YNAB 4- Costco 5- Occissionl...
by DaftInvestor
Sun Sep 27, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 53
Views: 3698

Re: What are subscriptions that add the most value in 2020?

Amazon Prime
NetFlix
Spotify
Adobe's Photographer Plan
Ring
by DaftInvestor
Sat Sep 26, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Anyone Have A Solo Stove?
Replies: 30
Views: 2885

Re: Anyone Have A Solo Stove?

We have a cheaper alternative as compared to the prior poster who said he had a cheap solution. We stacked large rocks we already had on our property - works great.
by DaftInvestor
Fri Sep 25, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10299

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

$2.5M if you are single. $5M if you have a spouse and 2 kids. $5.5M if you have a spouse and 4 kids. $40K if you are single and have been diagnosed with terminal cancer. What if you have a spouse, no kids and a dog? ;) Forgot that one! It depends on the spouse's disposition - I would say 3.5M - but...
by DaftInvestor
Fri Sep 25, 2020 2:57 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 54
Views: 3709

Re: How to combine finances with your spouse? Recently married/early30s

I think it either has to be full-faith comingling or a prenup. Why something in between? I am for the former. My spouse was in the red when we got together (WITH credit card debt). I decided I was all in; paid off her debt; we comingled everything; 28 years later still happily married. Of course div...
by DaftInvestor
Fri Sep 25, 2020 2:23 pm
Forum: Personal Investments
Topic: Opinion on switching to Vanguard brokerage services from the original Vanguard accounts...
Replies: 11
Views: 973

Re: Opinion on switching to Vanguard brokerage services from the original Vanguard accounts...

The email statement you point out is certainly misleading - it's an attempt by marketing to convince you to move to a brokerage account for an invalid reason. The wiki link noted in the above post talks about why SIPC does not come into play in the Mutual Fund account. I just received another email ...
by DaftInvestor
Fri Sep 25, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10299

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

$2.5M if you are single.
$5M if you have a spouse and 2 kids.
$5.5M if you have a spouse and 4 kids.
$40K if you are single and have been diagnosed with terminal cancer.
by DaftInvestor
Fri Sep 25, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Help my try to rationalize why I should ignore Nasdaq
Replies: 39
Views: 2256

Re: Help my try to rationalize why I should ignore Nasdaq

Your QQQ would have underperformed the market for 16 years (2/28/2001-4/29/2017). Probably the more accurate statement would be to say that QQQ underperformed for the 16 year period 2/28/2001 - 4/29/2017. It certainly didn't underperform the market for EACH of those 16 years - only half of them or ...
by DaftInvestor
Fri Sep 25, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Internet trouble, specifically ZOOM
Replies: 31
Views: 1682

Re: Internet trouble, specifically ZOOM

Earlier this week they added some performance improvements for Chrome-OS so make sure you have updated: https://support.zoom.us/hc/en-us/articles/115001620786-New-Updates-for-Chrome-OS If you sit near your router anyway - I would invest in the connection dongle and an ethernet cable and connect up h...
by DaftInvestor
Fri Sep 25, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 57
Views: 4190

Re: Gazillionth mortgage pay off question

If you have kids and plan on putting them through college I would consider 529s - tax free growth on money you will eventually spend anyway. Also - if you have HSAs max them out. Otherwise - it's somewhat personal. 2.9% is so low but then again; you can't get a guaranteed return like that anywhere. ...
by DaftInvestor
Fri Sep 25, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: After-Tax Return comparison of similar index funds/etf
Replies: 2
Views: 443

Re: After-Tax Return comparison of similar index funds/etf

Let me give your question a bump. Thanks for bumping. I had more time today so did a ton more searching and found what I "may" have been looking for except I thought someone had updated it for 2019. I was looking for the spreadsheet here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=242137...
by DaftInvestor
Fri Sep 25, 2020 12:07 pm
Forum: Personal Investments
Topic: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees
Replies: 28
Views: 1647

Re: Looking for 529 plans with Vanguard Index Funds as 100% of holdings and lowest total fees

Why not go straight to the source? https://investor.vanguard.com/529-plan/ If your state has a home-state tax benefit, that would limit choices. This is the Nevada plan (not obvious until you scroll to the bottom or read deeper into the links). I thought someone in another thread said Colorado or N...
by DaftInvestor
Fri Sep 25, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3079

Re: Bogleheads knows how many Echo devices I have

batpot wrote: Fri Sep 25, 2020 11:51 am I asked google the same thing.
It gave me an android central website discussing how many you need based on the size of your house.
I have zero, btw.
8-)
Shocking that Google didn't say "Zero, what you really need is Google-Home".
by DaftInvestor
Fri Sep 25, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Parents have no elder care plan - What are the concerns?
Replies: 25
Views: 2172

Re: Parents have no elder care plan - What are the concerns?

I think you hit the two primary areas. After a few years of prodding I finally convinced my parents to get POAs, Will, etc. put together. They had done nothing in this regard (are now in their 80's). They still have no financial plan and unlike your parents - have almost no savings - they were of th...
by DaftInvestor
Fri Sep 25, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 61
Views: 2758

Re: What's your favorite reasonably priced gin?

Tanqueray - I like the look of the bottle :happy and I can't distinguish much of a difference in gins. I toss it in some club soda so I am probably not a real gin drinker.
by DaftInvestor
Fri Sep 25, 2020 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1652
Views: 236596

Re: Fidelity as a one stop shop

Each account is treated as a stand-alone. So much so that when I initiated a cash move from my CMA to my brokerage account it doesn't move the money instantly - it shows status "Processing" and I can't use the money to buy anything yet. This is the OPPOSITE of what Fidelity customer service told me...
by DaftInvestor
Fri Sep 25, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2569

Re: Erasing everything off a computer? Any software?

Just delete and use the cipher command as mentioned above. It might take a while depending upon disk size but you can run it and leave (have computer set for shutdown upon inactivity).
by DaftInvestor
Thu Sep 24, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 116
Views: 9853

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Surprising Synchrony Bank is still at 0.75% but I am guessing they will be down to 0.6 or 0.65 by next week. Read an article that highlights a comment from Synchrony Bank management indicating they don’t need the funds due to reduced lending so no need to keep rates high, they actually want to shri...
by DaftInvestor
Thu Sep 24, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923389

Re: What's Your Credit Card Rewards Strategy?

I wonder if this is new (if even true) since it wasn't what I experienced. I opened the Citi America CC at the beginning of this year and successfully banked the sign-up points. I last had the card about 3.5 years ago but the card was definitely open for less than a year (I canceled well before the...
by DaftInvestor
Thu Sep 24, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3079

Re: Bogleheads knows how many Echo devices I have

Alexa's been researching the Three-Fund Portfolio because you spend so much time on bogleheads.org so got confused when you asked her the question. She isn't very bright.
by DaftInvestor
Thu Sep 24, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to employer-provided life insurance - benefits now paid through employer
Replies: 19
Views: 678

Re: Changes to employer-provided life insurance - benefits now paid through employer

If the company starts doing badly and they offer everyone a weekend away on the company using a chartered plane to get everyone to a location for (Bermuda, etc.) for the getaway - I would NOT get on the plane. 8-)
by DaftInvestor
Thu Sep 24, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 116
Views: 9853

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Surprising Synchrony Bank is still at 0.75% but I am guessing they will be down to 0.6 or 0.65 by next week.
by DaftInvestor
Thu Sep 24, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How to discuss with HR that I live in multiple places...
Replies: 28
Views: 3973

Re: How to discuss with HR that I live in multiple places...

Your hiring manager was very naïve and irresponsible when he said you could "work from anywhere" without providing additional information. Your company needs to a primary address and needs to update it if it changes. As folks have mentioned, benefits/taxes/other-compliance-reporting is dependent up...
by DaftInvestor
Thu Sep 24, 2020 10:22 am
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6518

Re: VXUS - Why? [Vanguard Total International Stock ETF]

It fascinates me that some people can hold a fixed allocation to international, watch it underperform for a decade, and feel tempted to buy more. And yet other investors do the *exact* opposite, either dumping international entirely or reducing their allocation to it. It makes me wonder how much th...
by DaftInvestor
Thu Sep 24, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Consumer Printer Prices
Replies: 33
Views: 1824

Re: Consumer Printer Prices

As a former printer repair guy (long ago) I wouldn't have any issues buying a new Xerox in the $200 range more likely I'd spend the extra $100 and get something a tad better. It depends on if you want toner or ink. Most big box store ink printers are junk so you go with the cheap thing that costs m...
by DaftInvestor
Thu Sep 24, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: How to discuss with HR that I live in multiple places...
Replies: 28
Views: 3973

Re: How to discuss with HR that I live in multiple places...

Your hiring manager was very naïve and irresponsible when he said you could "work from anywhere" without providing additional information. Your company needs to a primary address and needs to update it if it changes. As folks have mentioned, benefits/taxes/other-compliance-reporting is dependent upo...
by DaftInvestor
Wed Sep 23, 2020 6:00 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2799

Re: How Many Brokerage Companies Are Too Many?

arf30 wrote: Wed Sep 23, 2020 5:54 pm Two - Vanguard for mutual funds in a taxable brokerage, Fidelity for everything else. Once they make ETFs more convenient I'll probably convert the Vanguard funds and transfer them to Fidelity.
What is inconvenient about ETFs that you would like to see changed?
by DaftInvestor
Wed Sep 23, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3147

Re: Pay Realtor Per Showing

Your heart is in the right place but if the realtor is patient with you they have a big score coming when you do buy. If you never buy they know they are taking that risk so that doesn't matter either (not every prospective customer pays off in sales). If you go to a car dealership and end up test-d...
by DaftInvestor
Wed Sep 23, 2020 3:54 pm
Forum: Personal Investments
Topic: VXUS - Why? [Vanguard Total International Stock ETF]
Replies: 109
Views: 6518

Re: VXUS - Why? [Vanguard Total International Stock ETF]

It fascinates me that some people can hold a fixed allocation to international, watch it underperform for a decade, and feel tempted to buy more. And yet other investors do the *exact* opposite, either dumping international entirely or reducing their allocation to it. It makes me wonder how much th...
by DaftInvestor
Wed Sep 23, 2020 3:38 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2799

Re: How Many Brokerage Companies Are Too Many?

Regarding consolidation - it seems like every week someone has a story whereby things go wrong. It would make me weary to ever do so. I might decide to put all my "New" money into one of the 3 - but something would have to be really bad with one of the 3 I have for me to move out. Today's story: htt...
by DaftInvestor
Wed Sep 23, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis problem transfer of assets from Vanguard to Schwab
Replies: 34
Views: 2085

Re: Cost Basis problem transfer of assets from Vanguard to Schwab

If you have kept a record of all the lots (sale dates and price paid), you should be able to tell the IRS which lots you sold and what their cost basis was. I am no expert but the problem I see is that these are "covered" shares so Schwab will report the cost basis on 1099-B - and the OP will want ...
by DaftInvestor
Wed Sep 23, 2020 1:40 pm
Forum: Personal Investments
Topic: Need 529 advice
Replies: 16
Views: 1806

Re: Need 529 advice

We set up a 529 about two years ago for our daughter which has a balance of about 26K in it as of today. Our daughter will be ready for college in 4 years. We have been contributing 1K per month and anticipate full cost at an in state to be 100K. If my job stays stable, our budget allows 1K per mon...
by DaftInvestor
Wed Sep 23, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

So if you catch cancer you are faced not only with what might the worse personal battle of your life for your life - but you may also have to spend 100's of thousands of dollars doing so. Unfortunately the risk of cancer is simply too high (https://www.cancer.org/cancer/cancer-basics/lifetime-probab...
by DaftInvestor
Wed Sep 23, 2020 12:39 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13689

Re: Losing Money with Index Funds

Off topic but... here's an easy way to realize capital losses in order to get a tax break: 1) buy a stock fund, 2) wait 'til it drops by $3000+, 3) sell it. Voila. Now if one does buy a substantially identical stock fund, then yes the loss is transferred to the replacement shares. But there are ple...
by DaftInvestor
Wed Sep 23, 2020 12:19 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2799

Re: How Many Brokerage Companies Are Too Many?

I have three (Vanguard - although only Mutual Fund account; Fidelity; and Schwab) and I want no more nor any less. I don't want more because I don't want to worry about additional statements/1099's/etc. I don't want less because, while of limited value these days to me, I like going to three differe...
by DaftInvestor
Wed Sep 23, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Email Management Tips
Replies: 51
Views: 3857

Re: Email Management Tips

work email - I stopped manually sorting years ago (takes too much time - limited benefit) - I simply use search features if I need to go back and find something in my inbox, I flag items I need to take action on, have rules to autosort stuff to lists into folders since I know I don't need to look at...
by DaftInvestor
Wed Sep 23, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 49
Views: 3864

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

Thanks for pointing us to the new list. Like others, although I own many on the list from years past, I no longer buy any music - instead I subscribe to Spotify allowing me to listen to all of these. I may start at the top and work my way down the list (skipping those I know I don't like) on my morn...
by DaftInvestor
Tue Sep 22, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923389

Re: What's Your Credit Card Rewards Strategy?

3. Citi American CC - Was told that existing account had to be opened for at least 4 years before closure in order for me to qualify for another bonus. This account had just been opened 3 years. I wonder if this is new (if even true) since it wasn't what I experienced. I opened the Citi America CC ...
by DaftInvestor
Tue Sep 22, 2020 3:48 pm
Forum: Personal Investments
Topic: I was thinking if you are retired how about 5 years cash the rest in the total stock market. What do you think about
Replies: 19
Views: 2224

Re: I was thinking if you are retired how about 5 years cash the rest in the total stock market. What do you think abou

You lost me at "do not ever replenish cash fund". If I have an extended bear I might extinguish the cash. When I enter an extended Bull wouldn't I want to replenish it (in anticipation of the next Bear)? Great. It was an example of what an IPS would need to look like. So if you want to replenish ca...
by DaftInvestor
Tue Sep 22, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4812
Views: 923389

Re: What's Your Credit Card Rewards Strategy?

3. Citi American CC - Was told that existing account had to be opened for at least 4 years before closure in order for me to qualify for another bonus. This account had just been opened 3 years. I wonder if this is new (if even true) since it wasn't what I experienced. I opened the Citi America CC ...
by DaftInvestor
Tue Sep 22, 2020 3:17 pm
Forum: Personal Investments
Topic: I was thinking if you are retired how about 5 years cash the rest in the total stock market. What do you think about
Replies: 19
Views: 2224

Re: I was thinking if you are retired how about 5 years cash the rest in the total stock market. What do you think abou

To be more specific, on my earlier reply, I have considered such a scheme. If I was going to implement it, my IPS would look something like: - start retirement with 5 years expenses in cash (or equivalents such as CD or money market). Ensure that at least one quarter of spending is available each q...
by DaftInvestor
Tue Sep 22, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Do items magically appear in your Amazon cart?
Replies: 27
Views: 1683

Re: Do items magically appear in your Amazon cart?

Do you have an Echo/Dot or other Alexa product/technology enabled?
Perhaps you said "Alexa, tell me what the weather will be today" and the AI heard "Alexa, add some popcorn to my cart".
Another possibility....
by DaftInvestor
Tue Sep 22, 2020 2:21 pm
Forum: Investing - Theory, News & General
Topic: After-Tax Return comparison of similar index funds/etf
Replies: 2
Views: 443

After-Tax Return comparison of similar index funds/etf

A while back someone posted a list to a spreadsheet that compared returns of similar index funds/etfs (e.g. VTI vs ITOT vs SCHB, VTSAX versus FZROX, etc.). It included each's returns and distributions allowing you to assess major Index Funds/ETFs as taxable investments and although, many differences...
by DaftInvestor
Tue Sep 22, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4221

Re: Your recent experience of visiting a dentist

Small waiting room, with one woman there. She got on her cell phone and took off her mask to talk . Not a quick conversation. As it went on, and I turned and saw that she had taken off her mask, I went and found a person in the office (reception personnel had left), and let her know I would be wait...
by DaftInvestor
Tue Sep 22, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4221

Re: Your recent experience of visiting a dentist

Went to dentist recently as I didn't want to lose my spot (they are booked months out since the Governor had them shutdown for so long - there is now pent-up demand/backup). Things I noticed: - Had me wait in car until they came and got me. Assures patients aren't passing eachother inside. Their wai...
by DaftInvestor
Tue Sep 22, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1778

Re: How does brand new credit card get compromised?

Were the new fraudulent charges at places where you have done business in the past or have had recurring charges at? Sometimes banks allow charges to go through against a shut-down number if it looks like a recurring transaction to them. I personally no longer use Citi (told the story in another thr...
by DaftInvestor
Tue Sep 22, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Computer Monitor, what to get? (So many options)
Replies: 24
Views: 1370

Re: Computer Monitor, what to get? (So many options)

I’ve never been a fan of dual monitors but I’d be open to trying that. Whether or not dual monitors would work for you probably depends upon your working habits. Personally - I prefer having multiple smaller monitors versus one large monitor. If I am remotely presenting I find it easier to share On...