Search found 633 matches

by Strayshot
Tue Jun 16, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 48
Views: 4797

Re: chicken marinade recipes

https://www.modernhoney.com/the-best-ch ... de-recipe/

Best chicken marinade ever. I use it for tenderloins and grill them, perfect!
by Strayshot
Sun Jun 14, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Recommendations for auto window tinting
Replies: 14
Views: 859

Re: Recommendations for auto window tinting

Absolutely get a ceramic tint, cuts down on the inside temperature dramatically.
by Strayshot
Sat Jun 13, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Verify a young families priorities
Replies: 29
Views: 2426

Re: Verify a young families priorities

Nothing good can come from working with an Ameriprise salesman. You should go back and calculate what he has already cost you in fees/loads/not beating the market if you need an extra push. Move to Fidelity, Vanguard, or Schwab. If you feel you still need to pay someone to tell you what to do, use V...
by Strayshot
Sat Jun 13, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4528

Re: heated driveway?

https://www.homedepot.com/p/Frost-King ... /202262345

This is the kind of item that I am talking about, any reason you couldnt go out before the storm and string this around your driveway?
by Strayshot
Sat Jun 13, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4528

Re: heated driveway?

Any neighbors who would help out? All over northern NM and CO people use resistive heating elements on their metal roofs to melt accumulated snow, I see no reason it wouldn’t work on a driveway just stringing the wires across the pavement. Would probably be a pretty inexpensive solution (way cheaper...
by Strayshot
Sat Jun 13, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Online Ammo purchase recommendation
Replies: 20
Views: 1986

Re: Online Ammo purchase recommendation

SGAmmo is my go-to, I have never had a problem with service, shipping, or prices. I buy regularly and avoid any shopping during panics (elections, nuclear disasters, pandemics, economic turmoil) so I can’t speak to what they do with prices. I don’t think any industry experienced gouging at the level...
by Strayshot
Fri Jun 12, 2020 7:37 am
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 55
Views: 4489

Re: Speculating - Chesapeake Energy (CHK)

So given the nearly tripling of CHK yesterday (which still put me down like 25% from my gamble in this thread before the 200:1 reverse split) CHK is now halted on news of potential bankruptcy. For posterity, just figured I would update. We will see what the Future holds...... The future holds a res...
by Strayshot
Wed Jun 10, 2020 5:05 pm
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 55
Views: 4489

Re: Speculating - Chesapeake Energy (CHK)

So given the nearly tripling of CHK yesterday (which still put me down like 25% from my gamble in this thread before the 200:1 reverse split) CHK is now halted on news of potential bankruptcy. For posterity, just figured I would update. We will see what the Future holds...... The future holds a res...
by Strayshot
Wed Jun 10, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12476

Re: Face mask recommendations

Brooks Brothers has 5 for $20. They are nice cotton masks / washable and even have a rating. Brooks Brothers is selling ear loop masks they claim use material that has been tested to filter 86% greater than .3 (so like an N86 essentially) assuming it makes a seal with your face. Quality is good so ...
by Strayshot
Tue Jun 09, 2020 10:19 am
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 55
Views: 4489

Re: Speculating - Chesapeake Energy (CHK)

So given the nearly tripling of CHK yesterday (which still put me down like 25% from my gamble in this thread before the 200:1 reverse split) CHK is now halted on news of potential bankruptcy. For posterity, just figured I would update. We will see what the Future holds......
by Strayshot
Sun Jun 07, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Help me pick a new iPhone? (recs?)
Replies: 19
Views: 780

Re: Help me pick a new iPhone? (recs?)

I have an 11 and a new SE. I like the SE because it still has the button and thumbprint. The camera and larger screen aren’t important to me on the 11, and I hate swiping for everything because there is no button.
Price doesn’t matter to me, but honestly even at the same price I would take the SE.
by Strayshot
Thu Jun 04, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Where to buy weight plates for home gym?
Replies: 20
Views: 1268

Re: Where to buy weight plates for home gym?

There is no such thing right now as an inexpensive weight plate. $1.50/lb is great, 2-3 is the norm and some are 4 or more. Stock is returning but gouging will persist for some time. Titan has some iron 25lbs on backorder for a decent price right now. XMark has diamond plates that are really nice fo...
by Strayshot
Sun May 31, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12476

Re: Face mask recommendations

Low risk is getting gas, being at work where compliance is mandatory and people actually care, drive through food or pharmacy, etc. Our local credit union was doing a very good job, probably because most clients who show up in person are over 70, I’d put them in the low risk category. High risk/exp...
by Strayshot
Sun May 31, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12476

Re: Face mask recommendations

Brooks Brothers is selling ear loop masks they claim use material that has been tested to filter 86% greater than .3 (so like an N86 essentially) assuming it makes a seal with your face. Quality is good so I have been using them in situations where exposure is low risk like work because they are mo...
by Strayshot
Sun May 31, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12476

Re: Face mask recommendations

Brooks Brothers is selling ear loop masks they claim use material that has been tested to filter 86% greater than .3 (so like an N86 essentially) assuming it makes a seal with your face. Quality is good so I have been using them in situations where exposure is low risk like work because they are mor...
by Strayshot
Sat May 30, 2020 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7157

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

I’d wager the Nigerian scammers are having a field day with this, since they don’t even need a bank account to launder. Get the IRS refund, go buy some gift cards, call it a day. How do they "Get the IRS refund"? Sorry by refund I meant stimulus debit card. It would seem that any scammer who was ab...
by Strayshot
Sat May 30, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7157

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

If what was posted above is true (cards were sent to people without banking information on file) I would be curious as to why so many folks in this thread didn’t have their banking information on file with the IRS? One doesn't have to give the IRS any banking information in their lifetime, so I do ...
by Strayshot
Thu May 28, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for 2020 Retirement Admidst Employer CV-19 Issues
Replies: 42
Views: 3159

Re: Strategy for 2020 Retirement Admidst Employer CV-19 Issues

All good comments, thanks. As I indicated in previous response to comments, I've always had a good relationship with my direct-line supervisor. I will get with him in the next week or two and communicate my intentions. I also understand it is quite possible the the company may not allow me to take ...
by Strayshot
Thu May 28, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7157

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

I’d wager the Nigerian scammers are having a field day with this, since they don’t even need a bank account to launder. Get the IRS refund, go buy some gift cards, call it a day. If what was posted above is true (cards were sent to people without banking information on file) I would be curious as to...
by Strayshot
Thu Apr 23, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 139
Views: 12836

Re: I Got Scammed To Send Amazon Gift Cards

OP got scammed. OP should own it, not look for someone else like Amazon or the credit card company to shoulder the blame, and should figure it was a $400 learning moment. End of story. I trust my neighbors and have keys to their houses. I would never send someone cash money (cashiers check, money or...
by Strayshot
Sun Apr 12, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for 2020 Retirement Admidst Employer CV-19 Issues
Replies: 42
Views: 3159

Re: Strategy for 2020 Retirement Admidst Employer CV-19 Issues

If I was your boss, my expectation of one of my leaders in your position with whom I had a good/trusting relationship would be that the person would approach me directly, be transparent about their complete plans and intentions, and offer up some options for how to proceed that had been thought thro...
by Strayshot
Sat Apr 11, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for 2020 Retirement Admidst Employer CV-19 Issues
Replies: 42
Views: 3159

Re: Strategy for 2020 Retirement Admidst Employer CV-19 Issues

Do you think you can even do a Sr Manager job in 3 days a week? The positions I have seen at that level usually have 5-9 reporting managers and departments of 15-25 folks. No way I could tackle that org size at 3 days a week...... If I was your supervisor and you suggested this, I would move you to...
by Strayshot
Sat Apr 11, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for 2020 Retirement Admidst Employer CV-19 Issues
Replies: 42
Views: 3159

Re: Strategy for 2020 Retirement Admidst Employer CV-19 Issues

Do you think you can even do a Sr Manager job in 3 days a week? The positions I have seen at that level usually have 5-9 reporting managers and departments of 15-25 folks. No way I could tackle that org size at 3 days a week...... If I was your supervisor and you suggested this, I would move you to ...
by Strayshot
Fri Apr 10, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 355
Views: 28136

Re: just got my $1200 stimulus payment

just checked my bank acct because I heard the stimulus payments could be as early as today. Sure enough $1200 dumped in savings. Not sure how to make this actionable other than to say I plan to invest it. anyone else get theirs today? No, not here. I make way too much to qualify. I am happy to hear...
by Strayshot
Sat Mar 28, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17378

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

Vegas with friends. Gonna try and party like we did in our 20’s. I said try.
by Strayshot
Thu Mar 19, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Master of biology degree
Replies: 40
Views: 2014

Re: Master of biology degree

The folks I know with an MS in biology are making 38-40k a year out of school and 10 years in are 60-80k. It is a fine degree (the MS means you get to do some analysis and tech writing vs being a lab tech with a BS) but you wont make a fortune. I would not accumulate education debt to get such a deg...
by Strayshot
Mon Feb 17, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9520

Re: I'm 40 and when do I retire? first world problem?

Congrats and thanks for your service! I would stay until summer 2022. It seems like while you are getting tired, you aren’t “burned out and can’t stand it” and the extra 10k in yearly pension is absolutely worth it. Continue towards the degree as you are able, and try to avoid OT activities or assig...
by Strayshot
Sat Feb 15, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12372

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

I don’t know why anyone would desire a pension in this day and age. Save and invest on your own, and have the freedom to actually participate in the labor market where you can choose the employment, role, and compensation that is a best fit for you based on what companies will offer at that instant ...
by Strayshot
Sat Feb 15, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2450

Re: Costco for tires and batteries

Costco membership is a no-brainer for anyone who has a location nearby. I got something like 7 years out of my last Costco battery, yes they do free rotations and free nitrogen if you buy your tires there. The tire shop can be a Charlie-Foxtrot, so they aren’t as fast as discount tire, but I just ma...
by Strayshot
Thu Jan 30, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Fidelity business model. I don’t understand.
Replies: 82
Views: 8671

Re: Fidelity business model. I don’t understand.

i am a 20+ year Fidelity customer and have never had any issues, either intentional where some broker cold called me and tried to lie to me or sell me garbage or unintentional where they screwed up math on a transaction. None, zip, zilch. I don’t think I can say that about any other company I have i...
by Strayshot
Mon Jan 13, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Family member with almost no retirement savings or assets, what to do?
Replies: 55
Views: 7490

Re: Family member with almost no retirement savings or assets, what to do?

Everything else aside, why would someone with 20k in the bank carry an 8k auto loan? Unless loan is at 0% that is a net loss proposition from the interest. Regardless of anything else, use money from savings to pay off the car loan and save the interest. There are resources to support low income dis...
by Strayshot
Sun Jan 12, 2020 10:05 am
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7219

Re: New Here Fidelity or Vanguard

Vanguard, it's investor owned. Fidelity is owned by the Johnson family. You can trust Vanguard. Fidelity is a bit more sketchy just on that simple-fact alone. Everyone gets an opinion, but your “simple fact” is meaningless as ownership has nothing to do with trust in a company. Both public and priv...
by Strayshot
Thu Jan 09, 2020 9:16 am
Forum: Personal Investments
Topic: Help for newbie
Replies: 11
Views: 846

Re: Help for newbie

Phaseout begins at a MAGI of $124k, but 401k contributions subtracted from a $130k income should keep OP in the full Roth contribution contribution range MAGI. If OP’s income goes up, then the need to understand the form of the IRA contributions (as also suggested by retiredjg in his post) becomes r...
by Strayshot
Thu Jan 09, 2020 9:07 am
Forum: Personal Investments
Topic: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?
Replies: 164
Views: 20138

Re: Those that have an "Anti-Boglehead" investment account, what are your "risky" plays?

I will jump back in since my quote alert went off! When I say principle, I am not talking about moral or other fuzzy principles. I am talking about foundational evaluation principles for the value of a company. Think in context of Ben Graham and the Intelligent Investor. Value in TSLA is all specula...
by Strayshot
Thu Jan 09, 2020 8:50 am
Forum: Personal Investments
Topic: Help for newbie
Replies: 11
Views: 846

Re: Help for newbie

Sorry to hear about the situation with the “financial advisor” destroying your prior savings. I agree with retiredjg above, really what you need to do is determine an equities/bonds asset mix you are comfortable with based on risk and age (50/50 is a good start), simplify the number of accounts and ...
by Strayshot
Thu Jan 02, 2020 8:45 am
Forum: Personal Finance (Not Investing)
Topic: 900,000 student loan refinancing recomendations
Replies: 71
Views: 8342

Re: 900,000 student loan refinancing recomendations

Used SoFi when they were new, the application was a nightmare because they didn’t know what they were doing yet but the rate was good. Refinanced with them (yes, they will refi their own rates) and things were much better. The old thread is here, and there are others if you search. https://www.bogle...
by Strayshot
Thu Dec 19, 2019 8:38 am
Forum: Personal Investments
Topic: Speculating - Chesapeake Energy (CHK)
Replies: 55
Views: 4489

Re: Speculating - Chesapeake Energy (CHK)

It is all gambling. I’m on the other side of this trade, in at -60 cents a share and sitting at a 50% gain right now in about 3 weeks holding (at the current 90 cents a share price). I would reiterate the important takeaway is to never speculate with money you can’t afford to lose and (per OP) keep ...
by Strayshot
Wed Dec 18, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 28
Views: 2011

Re: New thermostat for mid-late 70’s parents?

So I have procured both a Nest thermostat and an Ecobee smart thermostat. Going to give both for Xmas and see what happens.........Hopefully they will pick one and I will return the other, but this is an experiment. I am hopeful that they will pick the Ecobee and utilize Alexa voice control. To be c...
by Strayshot
Wed Dec 18, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Anyone using shift scheduling software?
Replies: 1
Views: 296

Anyone using shift scheduling software?

In line with the forum topic around “how we spend our time”, I am curious if any Bogleheads who have businesses requiring 24/7 coverage of an activity use any particular commercial off the shelf scheduling software and how well it works, what it costs, and how you like it? In particular, I’m looking...
by Strayshot
Sun Nov 10, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 28
Views: 2011

Re: New thermostat for mid-late 70’s parents?

Hi everyone, really appreciate all of the feedback so far! The requirements are tough, because honestly no matter what I do they will likely find a reason to complain but I would like it to be a smaller amount of complaining than with the current thermostat. I know my mom likes the touchscreen becau...
by Strayshot
Sat Nov 09, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 28
Views: 2011

Re: New thermostat for mid-late 70’s parents?

Also, I found this:

https://smartthermostatguide.com/c-wire ... er-review/

Which seems to add a c wire if none exists? Will that work?
by Strayshot
Sat Nov 09, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 28
Views: 2011

Re: New thermostat for mid-late 70’s parents?

Key piece of information missing --- Does the current thermostat have a C-wire? Without it, many high-end thermostats will not work Good question! It is a Hunter set n save 1, but that probably doesn’t help.........if it doesn’t have a c wire, what are my options? Unlikely they pulled any additiona...
by Strayshot
Sat Nov 09, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 28
Views: 2011

New thermostat for mid-late 70’s parents?

Hi Bogleheads, My parents are mid-late 70’s and need (want actually, current one works fine but is like 30 years old) a new thermostat. Something highly visible, touchscreen, easy to use once it is all set up (I will install and set it up). They don’t care about WiFi, app control, etc although prett...
by Strayshot
Tue Oct 22, 2019 7:20 am
Forum: Personal Investments
Topic: Investing in equities in EDJ as cheaply as possible
Replies: 21
Views: 1504

Re: Investing in equities in EDJ as cheaply as possible

If you are powerless to deal with how some idiot EJ salesman has you invested because you are beholden to his possible court testimony, why do you even care? Just let them do what they want with your money until the house sells and then deal with it. Pretty much you are paying the EJ salesman a tax ...
by Strayshot
Tue Oct 22, 2019 7:14 am
Forum: Personal Investments
Topic: Just starting out, baby on the way status check
Replies: 20
Views: 1673

Re: Just starting out, baby on the way status check

Baby on the way - do you have life insurance and disability insurance? Drive a car?, make sure you get an umbrella policy too - your incomes and occupations make you a fat target. Thanks for the advice. We did both recently set up life insurance. My wife gets disability through her employer. I've b...
by Strayshot
Sun Oct 20, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing $160k Law School Student Loan
Replies: 13
Views: 1700

Re: Refinancing $160k Law School Student Loan

Why is it that 3k/mo payments make you uncomfortable if you have been paying 3-4K and are getting a 10% raise? I think you are putting too much weight on negligible “student loan” benefits (which also come with the not-discharged-in-bankruptcy “benefit”). Though I think I have a decent reputation a...
by Strayshot
Sun Oct 20, 2019 8:57 am
Forum: Personal Investments
Topic: Advice for friend - lots of loads and high ER yet good returns
Replies: 37
Views: 2678

Re: Advice for friend - lots of loads and high ER yet good returns

Yes, it is highly likely he is paying an AUM fee to the advisor. Even if the funds manage to outperform approximately by their expense ratio, why take that risk when so many alternatives are available? Remember that the front-load not only puts each fund significantly behind any non-load peers at th...
by Strayshot
Sat Oct 19, 2019 7:33 am
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 11206

Re: Investing for the "great sag" - Dalio

I think Ray Dalio wrote an excellent book in “Principles” and that he is a savvy businessman, so I respect his opinions. The reality is that I weight his predictions just as much as everybody elses, which is to say they have no weight at all in my actions. Philip DeMuth is much smarter, with a focus...
by Strayshot
Sat Oct 19, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing $160k Law School Student Loan
Replies: 13
Views: 1700

Re: Refinancing $160k Law School Student Loan

Why is it that 3k/mo payments make you uncomfortable if you have been paying 3-4K and are getting a 10% raise? I think you are putting too much weight on negligible “student loan” benefits (which also come with the not-discharged-in-bankruptcy “benefit”). I was happy with my SoFi refinance, paid off...
by Strayshot
Thu Oct 17, 2019 9:31 pm
Forum: Personal Investments
Topic: Fidelity's default tax lot selection
Replies: 12
Views: 1010

Re: Fidelity's default tax lot selection

I could see a situation where tax sensitive would actually sell some long term shares before some short term shares depending on the gains on the various long and short term lots, whereas the tax sensitive short term forces sale of all short term lots before engaging long term lots.