Search found 574 matches

by Calygos
Sat Dec 08, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Job search and Finance industry
Replies: 7
Views: 1055

Re: Job search and Finance industry

Bodhi312 wrote:
Fri Dec 07, 2018 11:02 am
Calygos, can you enable PM receipt? I received your PM.
Done! DIdn't realize it was off.
by Calygos
Tue Dec 04, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Job search and Finance industry
Replies: 7
Views: 1055

Re: Job search and Finance industry

Yeah, there’s a difference between market micro structure and personal finance. If u want an intro to the securities industry, you can study and take FINRAs SIE exam. “Dark Pools” by Scott Patterson is a good book on the history of equity market structure and birth of HFT like Tradebot up through t...
by Calygos
Mon Dec 03, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2342
Views: 1473066

Re: The Three-Fund Portfolio

I was just glancing at the Three-Fund portfolio wiki page and noticed that the section on other considerations should be updated to reflect Vanguard's recent change to Admiral shares minimums.
by Calygos
Sun Dec 02, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job search and Finance industry
Replies: 7
Views: 1055

Re: Job search and Finance industry

The world of HFT and the world of personal investing (the topic of this forum) have almost nothing to do with each other. It's like comparing a toothpick and a refrigerator - they are both in the kitchen, but that's where the similarity ends. That said, my favorite book on the subject is A Random W...
by Calygos
Sun Dec 02, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Job search and Finance industry
Replies: 7
Views: 1055

Job search and Finance industry

Hi all, As some of you may recall from my previous post about signing up for COBRA, I recently left my job in Washington state and have moved to downtown Chicago, which is where I am focusing my job search. For a variety of reasons, my primary area of focus is the finance industry. In particular, th...
by Calygos
Sat Nov 24, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1149

Re: COBRA [signing up for the first time]

HEDGEFUNDIE wrote:
Sat Nov 24, 2018 8:55 am
What does it mean to say that your employer was “paying it fully” but “in each bi-monthly paycheck deducted about $720”? These two statements are contradictory...
Good catch. The $720 it shows is for employer contributions, I just miswrote that as deduction.
by Calygos
Fri Nov 23, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1149

Re: COBRA [signing up for the first time]

COBRA is a continuation of the coverage that you had as an active employee. Most insurance companies don't even know/care that you are on COBRA. The only differences are the costs, which are much higher, and that you pay with post-tax dollars. You have 60 days to sign up and then get 45 to pay your...
by Calygos
Fri Nov 23, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1149

Re: COBRA

In particular, how long can you usually be on COBRA and are there usually any substantive differences from being on it versus how my insurance has been under my employer, other than I have to pay all of it? FWIW, I have Anthem PPO 250, Guardian Dental PPO Standard, and VSP Vision Premier. The Anthe...
by Calygos
Fri Nov 23, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1149

COBRA [signing up for the first time]

I left my job last week to move to Chicago next week to be near family (and I am looking for something new in that area). My health insurance goes through the end of the month and then I will be signing up for COBRA, which I've never had to do before. I know I will be receiving the paperwork to do s...
by Calygos
Wed Nov 21, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4228

Re: What financial advice have you been most grateful for?

Keep it simple and use index funds. The first I learned of it was a few years ago in a much older article, The best investment advice you'll never get. It was this article that ultimately led me here!
by Calygos
Wed Nov 21, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99093

Re: How much international stock? A suggestion.

vineviz wrote:
Wed Nov 21, 2018 4:46 pm
Calygos wrote:
Wed Nov 21, 2018 4:37 pm
So a broad range for a vague term like "international"?
What's vague about the term "international" in the context of this discussion?

It's a broad category, for sure, but hardly vague.
Poor word choice on my part, "broad" does indeed more accurately reflect my intended point.
by Calygos
Wed Nov 21, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99093

Re: How much international stock? A suggestion.

vineviz, in your opinion, how much ex-US stock should a US investor hold in order to be sufficiently diversified? Where is the line? I don't want to duck the question, but I don't think there can be a universal specification for "sufficient" diversification. It will obviously vary by investor. And ...
by Calygos
Wed Nov 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 for Mac
Replies: 13
Views: 1400

Re: Quicken 2019 for Mac

The last reply to this thread was a month ago. Anyone have any experience with Quicken 2019 for Mac since then? I'm especially interested since I'm still using Classic YNAB (no desire to use nYNAB) on my Mac but that will stop working with the next major macOS release, so I need to find an alternati...
by Calygos
Wed Nov 21, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 99093

Re: How much international stock? A suggestion.

Even after the tons of threads about international investing with all of the arguments for and against, I'm still unable to come to a decision about whether it's right for me. It seems like there are reasonable arguments on both sides (i.e. zero percent vs. non-zero percent) and thus, for me anyway,...
by Calygos
Tue Nov 20, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 3828

Re: LastPass vs BitWarden

+1 for 1Password. I pay for their cloud sync service, 2.99/month so a one-time 35.88/year fee, and it syncs to my Mac, PC, and iPhone, and gets reasonably frequent updates and improvements. Been incredibly happy with it!
by Calygos
Fri Nov 16, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1813

Re: One food I could never give up

Steak. I've been following the carnivore way of eating now for almost 8 months and steak is about 75% of my daily calories (the other 25% typically being eggs and butter) on most days.
by Calygos
Thu Nov 15, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 246
Views: 42776

Re: [Ally online savings now at 1.80%]

4strings wrote:
Thu Nov 15, 2018 3:30 pm
Calygos wrote:
Thu Nov 15, 2018 12:08 am
Looks like it's up to 2% now!
you can do so much better with Prime Money Market Funds or even T-Bills.
I don't rate chase so it's nice to see the continued increases. I have two savings accounts and my primary checking, as well as bill pay, so the convenience is nice, as is their web site.
by Calygos
Thu Nov 15, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 246
Views: 42776

Re: [Ally online savings now at 1.80%]

Looks like it's up to 2% now!
by Calygos
Mon Nov 05, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2939

Re: Is Cloud-Based YNAB Worth It?

I want to like nYNAB but I've stuck to Classic for a few reasons, but also I've found that Classic freezes (basically crashing) much more frequently on macOS as macOS updates continue since YNAB isn't proving bug fixes and other updates for that client. (I'd prefer some kind of Google implementatio...
by Calygos
Mon Nov 05, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2939

Re: Is Cloud-Based YNAB Worth It?

I want to like nYNAB but I've stuck to Classic for a few reasons, but also I've found that Classic freezes (basically crashing) much more frequently on macOS as macOS updates continue since YNAB isn't proving bug fixes and other updates for that client. (I'd prefer some kind of Google implementation...
by Calygos
Sun Nov 04, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

OP here! I did get the 30k service done and the battery replaced as it was completely dead and the factory battery. I discussed my concerns with the service department and they put in a much better battery (560 CCA, I think, vs. the 320-ish one that was in there). The rep I worked with also recommen...
by Calygos
Fri Nov 02, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4088

Re: Thoughts on the New Macbook Air?

It's nice they've scrapped the atrocious touch bar (as a Vim user, the touch escape key is infuriating and I have no desire to retrain my hands) but as long as they stick to the butterfly keyboard with nanometer-thick keys, I'm never buying another Apple laptop.
by Calygos
Wed Oct 31, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Re: Best and reasonably priced moving companies for cross country move

Wow, I'm going to closely watch this thread, as I've just really started a new job search and I'm primarily targeting downtown Chicago and I'd be moving from the Seattle metro area.
by Calygos
Tue Oct 30, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

+1 for the battery maintainer. I have two cars and often leave one of them for a week or more at a time without driving it. Never had an issue with a dead battery while using the maintainer. With that being said, I use a Battery Tender and have had several of them fail under warranty. One time, a c...
by Calygos
Tue Oct 30, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

I don't know that 15 mins driving every month is enough to burn off moisture in the oil. It's definitely not enough to keep the battery charge maintained. All modern cars have parasitic battery drain even when parked. I have a 2003 Porsche that I occasionally drive maybe 1,000 miles/year. It starts...
by Calygos
Mon Oct 29, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

I've had my car and battery for 3.5 years and had the car regularly serviced every 6 months like clockwork, last time in May, so I'd be shocked if the battery had a problem, and if it had a limited lifetime, I'd expect them to let me know. Your battery probably has a sticker on it with the manufact...
by Calygos
Mon Oct 29, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

I just drove it for about 15 minutes every other Sunday That should be enough. But not sure on newer cars, you may need to drive them longer. Every once in a while, you should take it out and get it to full operating temperature. that might take 20-30 minutes at highway speeds. My guess you need a ...
by Calygos
Mon Oct 29, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

My car (2015 Subaru Forester) is dead and I'm getting it jumped later today to drive to the dealership for both recharging or replacing the battery and for a 30k-mile service that would normally be due soon (at 27k now). It's dead probably because I've driven it so little ever since moving to a ver...
by Calygos
Mon Oct 29, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

Your short drives every other week isn't enough to charge up the battery. There are small loads on the battery that can drain the battery over time, i.e. keeping the memory of various electronic gadgets and security devices. Whenever I'm not driving my car for a week or more, I put a battery tender...
by Calygos
Mon Oct 29, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

My wife has a 2015 Legacy (purchased new in late 2014) and has had battery problems up to this year. After going through a lot of turmoil/excuses (the key fob was left in the house, close to the garage and it was draining the battery; only driving the car less than 5 miles, etc. - many short trips ...
by Calygos
Mon Oct 29, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a...
by Calygos
Mon Oct 29, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

I've left cars sitting in the driveway for as long as a couple of months while away and had them start right up when I got home. I've also been away no more than a week and come home to a dead battery. I think it probably depends on whether something is draining the battery and/or the shape of the ...
by Calygos
Mon Oct 29, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

IMO - once a week to keep things lubricated. If you're going to let things sit for any length of time, you need to properly prepare them for storage. Lookup how boats are stored - a lot of this carries over to automotive storage as well. Adding some fuel stabilizer and parking a car for months at a...
by Calygos
Mon Oct 29, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

Re: How much does a car need to be driven?

PFInterest wrote:
Mon Oct 29, 2018 2:30 pm
Calygos wrote:
Mon Oct 29, 2018 2:23 pm
to drive to the dealership
i stopped right there
Then why reply? It's the dealership where I bought it, the car is still under warranty, and I have always had great service from them.
by Calygos
Mon Oct 29, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: How much does a car need to be driven?
Replies: 43
Views: 3651

How much does a car need to be driven?

My car (2015 Subaru Forester) is dead and I'm getting it jumped later today to drive to the dealership for both recharging or replacing the battery and for a 30k-mile service that would normally be due soon (at 27k now). It's dead probably because I've driven it so little ever since moving to a very...
by Calygos
Sat Oct 13, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1974

Get rid of my Roth IRA?

DELETE