Search found 989 matches

by Independent George
Fri Nov 27, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Just who do I owe taxes to?
Replies: 10
Views: 1202

Re: Just who do I owe taxes to?

I can do the work "anywhere" so I think the test of "performing the work in Texas" doesn't apply e.g. I am not building something that can only be done in Texas, I simply just chose to live there and "telecommute" for 2020 and 2021. I think what is confusing me is that...
by Independent George
Fri Nov 27, 2020 10:39 pm
Forum: Personal Investments
Topic: Lump Sum vs DCA in Today’s Market
Replies: 93
Views: 5379

Re: Lump Sum vs DCA in Today’s Market

Which approach would you take in today’s market? Understanding that people are usually on one side of the fence or the other on this question, it seems like the current market situation puts that to the test. On one hand you have people that would say the market is forming a bubble, in which lump s...
by Independent George
Fri Nov 27, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: Switch from dual monitors to one big one?
Replies: 21
Views: 1031

Re: Switch from dual monitors to one big one?

I greatly prefer dual monitors to one giant one - I can maximize windows on each instead of having to manually re-size and move each active window I want to view.
by Independent George
Fri Nov 27, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 86
Views: 8118

Re: Taking a 100k paycut for a less stressful job?

The facts: I'm an ER doctor. Currently making 450k per year 1099 income. I work all nights. 12 12 hour monthly shifts - 1728 annual hours. My current contract was very well negotiated and i make significantly more than most ER doctors. ... I've started job hunting in another city. Looking at places...
by Independent George
Wed Nov 25, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Hi, we are stuck on this decision. Should we go for the MSI mpg b550 gaming edge wifi motherboard or MSI mag b550 tomahawk motherboard? Man, at those prices, both are steals. If you don't ever intend to use the wifi or expect to get 2.5 GB ethernet, get the Tomahawk. Also, we can't find our graphic...
by Independent George
Wed Nov 25, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

Wow, that sounds really frustrating. This is the one downside to homebrewing - when something goes wrong, unless you have a shelf full of compatible parts to swap, it can be really difficult to narrow it down. Worse, it's usually a combination of parts that just don't work together, but might in ano...
by Independent George
Tue Nov 24, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Has anyone done a FREE Win 7 to Win 10 upgrade recently (like this year)? I read that it is still possible since MS wants to move everyone to Win 10. https://www.zdnet.com/article/heres-how-you-can-still-get-a-free-windows-10-upgrade/ https://www.microsoft.com/en-us/software-download/windows10 I am...
by Independent George
Tue Nov 24, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

For anyone still looking to buy a Ryzen 5000 series CPU, you might want to check your local MicroCenter if you have one. I just noticed that their suburban Chicago location had 18 5600X in stock as of ~10:20 AM today, 24 Nov. I note the time because when I refreshed the page 10-15 minutes later it ...
by Independent George
Tue Nov 24, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Hi this is Wannaretireearly's son, The "be quite" case looks good but it only has one usb 3.0 port and one 3.1 port. I need at least 3 usb ports. (Keyboard, Mouse, Headset) I'm looking at this case with 4 usb ports; https://www.amazon.com/Cooler-Master-MasterCase-Mid-Tower-Controller/dp/B...
by Independent George
Mon Nov 23, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 109
Views: 7285

Re: Silliest Investment Mistakes?

For an embarrassingly long time, I didn't contribute to an HSA because I thought the money was restricted to cash/money market. I had no idea I could invest it.
by Independent George
Mon Nov 23, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 43
Views: 2598

Re: How to avoid tinkering?

There are two easy methods: 1. Write down an investment policy statement (IPS) that specifies what your target asset allocation is, and the conditions upon which you will rebalance. 2. Invest in a target date fund or fixed allocation fund so that you don't have to manage your AA. Aside from that, th...
by Independent George
Mon Nov 23, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

FYI, if you're still looking at the 3700X, it is now $280 with promo code at NewEgg. That matches the lowest price I saw back in June/July. Also, if you haven't been following the other thread , note that Ryzen can be finicky with the exact RAM kit. You want to search your motherboard manufactuer's ...
by Independent George
Sat Nov 21, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 9705

Re: New MacBook Pro with M1 processor

I have to admit - there are a lot of things I really dislike about Apple computers (as opposed to their consumer electronics, which I own and love), but the M1 looks like an industry-shaking gamechanger. I'm not actually in the market for a laptop right now, but I'm genuinely tempted by it.
by Independent George
Sat Nov 21, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6692

Re: Start with the proper steel

OK. That is funny. The OP wants to buy a knife set and you send him/her off the to manufacturing process. "What time is it?" "Here is how you build a clock." BTW, the engineer in me loved the Wiki page. Bogle7 If you actually go through all these threads, op's question was likel...
by Independent George
Sat Nov 21, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

I went to Micro Center and exchanged my Gigabyte B550 Aorus Master for the Aorus Pro, and also picked up a 2TB Samsung 970 Evo Plus SSD for an additional $10 off the $250 sale price. Score! As it happens, they had Ryzen 7 5800X CPUs in stock. I was sorely tempted, but I still think the price is stup...
by Independent George
Fri Nov 20, 2020 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: About to commit the ultimate sin; paying PMI...
Replies: 36
Views: 4025

Re: About to commit the ultimate sin; paying PMI...

I'm less concerned about the PMI than I am about the costs (in both time and money) of renovating a 100 year-old property. Just getting the wiring up to 2020 standards sounds like a job and a half, and it also sounds like you're stretching yourself thin for the privilege.
by Independent George
Fri Nov 20, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: "Buy once, cry once"
Replies: 101
Views: 9688

Re: "Buy once, cry once"

As with nearly everything in life: it depends. I've had buyers' remorse after overspending on something I thought would be worth the quality, and I've ended up buying things twice because I decided to cheap out on something that didn't meet my needs. As I've gotten older, I have a much better idea o...
by Independent George
Thu Nov 19, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Hi, this is Wannaretireearly's son Which ram is better https://www.amazon.com/gp/product/B084P42WYC/ref=ox_sc_act_title_4?smid=A2E6E99BFJUH5X&psc=1 OLOy DDR4 RAM 32GB (4x8GB) Warhawk Aura Sync RGB 3600 MHz CL18 1.35V 288-Pin Desktop Gaming UDIMM (MD4U083618BEQA) or https://www.amazon.com/gp/pro...
by Independent George
Thu Nov 19, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2009
Views: 488494

Re: Share your net worth progression

poker27 wrote: Thu Nov 19, 2020 10:36 am This seems much more realistic to me then the typical response here. And from a fellow Chicagoan!
What, you can't quadruple your income so that you can scrape by on a 1% withdrawal from a $20M portfolio? Are you lazy or something?
by Independent George
Thu Nov 19, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2009
Views: 488494

Re: Share your net worth progression

Really interesting thanks for sharing. I’ve had very similar experiences with 2008, and about the same savings rate. So you think 1.2 will work for you at age 55? I’m assuming I need to get to age 59, but I hope I’m wrong about that. I have a pretty simple calculation - my current monthly budget is...
by Independent George
Wed Nov 18, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Google Chrome says passwords are compromised
Replies: 38
Views: 3301

Re: Google Chrome says passwords are compromised

Change your passwords, verify it works, then clear them from chrome and use an external password manager to track them going forward. It might be statistically small chance your passwords were compromised, but the downside risk is huge. The horse has already left the barn, but I use Dashlane partly ...
by Independent George
Wed Nov 18, 2020 3:10 pm
Forum: Personal Investments
Topic: Advice / Sanity Check
Replies: 17
Views: 897

Re: Advice / Sanity Check

I agree and understand that I'm in my prime earning years, but my wife has some chronic health issues that will alter her lifestyle in the very near future and most likely shorten her life as well, so I'd like to enjoy the good time that we have. I'm not against returning to work at a later date (a...
by Independent George
Wed Nov 18, 2020 1:09 pm
Forum: Personal Investments
Topic: Advice / Sanity Check
Replies: 17
Views: 897

Re: Advice / Sanity Check

Your living expenses are low enough that I think you'll be fine, but on a gut-level that feels like a lot of debt to be taking into retirement. You can 'afford' it based on your pension and disability payments, but I'd feel a lot more comfortable working just 1-2 more years at your current salary an...
by Independent George
Wed Nov 18, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

1. I'm not sure the power supply we've chosen is good. Reviews say its semi-modular. Any thoughts on a better power supply? We've tried looking on part picker. 2. The SDD we've already bought is in red ( only thing we've bought so far). My son seems to want to go with a different second 1 TB SSD in...
by Independent George
Wed Nov 18, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2009
Views: 488494

Re: Share your net worth progression

I think is my favorite post of the bunch. I’m interested to see how your savings growth tracks over the next 20 years. What is your end goal, and when do you think you might retire? Gracias. My long-term goal is to retire at 55 with $1.2M in liquid assets and a paid-off mortgage; my immediate goal ...
by Independent George
Tue Nov 17, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

I finished reading my motherboard manual last night and discovered that using the second M.2 slot downgrades the PCIE 4.0 expansion slot (used for the GPU) from 16 lanes to 8. That is likely not an issue in the short term, but my goal with this build was to have a desktop last 6-8 years with maybe o...
by Independent George
Tue Nov 17, 2020 10:44 am
Forum: Personal Investments
Topic: I may die poor
Replies: 160
Views: 17540

Re: I may die poor

I guess my question is, what am I doing wrong? I feel like most people my age have at least 300+k in the bank, and at this rate I will have to work until I am 80 and pray social security will be available. Side note: I should be thankful, I became a father at 18, handled my business, took care of h...
by Independent George
Mon Nov 16, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20723
Views: 2832292

Re: U.S. stocks in free fall

Bill Ackman is preparing for bit drop in stocks over the next few months . Emphasis added. As an accumulator, I think it unwise to change my portfolio on the basis of a few months. That obviously changes as I approach retirement, and my IPS does have me reduce my equity exposure as I age - over the...
by Independent George
Mon Nov 16, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

Independent George wrote: Mon Nov 16, 2020 10:30 am The Samsung 970 EVO Plus 2 TB is on sale for $250 at Newegg, with Black Friday price protection (so you will be refunded if the price drops even further next week).
I completely missed that. I wonder if I can bring in my motherboard receipt from a couple weeks ago and count it as a bundle...
by Independent George
Mon Nov 16, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

The Samsung 970 EVO Plus 2 TB is on sale for $250 at Newegg, with Black Friday price protection (so you will be refunded if the price drops even further next week).
by Independent George
Sun Nov 15, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: playstation 5
Replies: 31
Views: 2441

Re: playstation 5

Between the consoles and the new CPUs/GPUs, it feels like gamers are going through a real-world version of the Stanford Marshmallow Experiment.

(Yes, I know there are open questions about the experiments controls, and how to interpret the results, but I think the parallels are still there).
by Independent George
Sun Nov 15, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Three easy places to cut: 1. You don't need two 1 TB NVME drives; you can easily buy one 1TB drive for the OS and games, and then buy a $60 2TB HDD for documents. If you're dead set on 2TB, it's actually cheaper and easier to buy a single 2TB drive for less than the $265 you're currently budgeting. ...
by Independent George
Sat Nov 14, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6692

Re: Looking for a knife set

Many of the posts in this thread suggest a variety of sharpening devices. Some are electric and there are whetstones if you want to do it by hand. However..... Some time ago, a local kitchen supply store had a factory representative from Henkels give a seminar on the "care and feeding" of...
by Independent George
Sat Nov 14, 2020 8:48 am
Forum: Personal Investments
Topic: Do I have too much HSA money?
Replies: 87
Views: 10668

Re: Do I have too much HSA money?

There's no such thing as too much HSA money - as you get older, your medical expenses will increase. That's a dead certainty. Prior to 2017, I actually did not even know I could invest my HSA - I thought it had to be money-market, and therefore never bothered with it. I facepalmed when I learned oth...
by Independent George
Fri Nov 13, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

Places to save money (within reason): 1. RAM. For the most part, memory is memory. 3000 Mhz or 3200 Mhz should be just fine, and RGB is a waste of money; unless you're willing to spend a lot of time mucking about with timings in the BIOS, you probably won't notice any performance differences beyond...
by Independent George
Fri Nov 13, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

If he's building a pc for the experience or to get the machine he wants, that's great. If he's building to save money, you might want to verify those savings. It's hard to save money over an already assembled machine. While speccing out my own build, I found you can expect to spend an extra $200-$3...
by Independent George
Fri Nov 13, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: Financial freedom or....?
Replies: 32
Views: 2984

Re: Financial freedom or....?

First, take out a NO COST HELOC. Emphasis on no cost. You don't care what the rate is. Likely a credit union is your best option here. This is exactly what I did with DCU, many years ago and it's still open. Wait... why? What's the point of paying off a mortgage and then immediately turning around ...
by Independent George
Fri Nov 13, 2020 8:37 am
Forum: Investing - Theory, News & General
Topic: Financial freedom or....?
Replies: 32
Views: 2984

Re: Financial freedom or....?

Do it. The answer is different when you're 25 and starting out, versus 40 and having already accumulated. At this point, it's no longer about the most mathematically optimal allocation - it's about taking away your biggest financial worry.
by Independent George
Thu Nov 12, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: To escrow or not to escrow your taxes
Replies: 50
Views: 2470

Re: To escrow or not to escrow your taxes

I think it's a wash given current interest rates. It mattered to me in 2007, when I was getting a 5% APY on my online savings account, but that was gone within a year.

If we get back above 3%, I'll consider contacting my bank about stopping escrow; in the meantime, it's all a big 'meh' to me.
by Independent George
Thu Nov 12, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10475
Views: 827411

Re: U.S. stocks continue to soar!

Well, NKLA is the most comedic. I figure you already know about that one. There is a cloud of electric vehicle companies caught in the Tesla updraft. WKHS doesn't sell anything, but there's no reason to think they're going to suddenly disappear. Stock went from $3 to $19, $2.3 billion market cap, z...
by Independent George
Thu Nov 12, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

So, you've gotten a lot of good suggestions here - perhaps a little too much (I'm guilty of this), as it can be a bit of information overload for someone new. So instead of specific hardware, I'm going to write a little more about the hows and whys of building a PC. Pricing & Availability 1. In ...
by Independent George
Wed Nov 11, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

One more thing I forgot to mention before: the case. The Meshify C is currently on sale at Newegg, and it's one of the best cases on the market. Antec makes some good cases, but I'm not a fan of the one on your list because of airflow. Looking at the photo, I see three narrow vents in the front pane...
by Independent George
Wed Nov 11, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Gaming PC Build: Newbie questions and feedback!
Replies: 60
Views: 3586

Re: Gaming PC Build: Newbie questions and feedback!

I've tried to follow this thread : https://www.bogleheads.org/forum/viewtopic.php?t=324546, however I thought it's best to start a new one for our project. My son has been following this video: https://www.youtube.com/watch?v=gO-V8E9MIBg. The list of his components he has shortlisted are here: http...
by Independent George
Wed Nov 11, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10475
Views: 827411

Re: U.S. stocks continue to soar!

38 year old male the only thing I suffer from is "semi" market timing (especially right now) which I know is bad I will never sell no matter what, but I am kind of picky on the timing of my buys (still have ptsd from buying - big sum- at all time highs in January 2020 and it was my first ...
by Independent George
Wed Nov 11, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

One of the things that has kept me away from AIO coolers is the issue of maintenance - I don't like the idea of discarding and replacing an entire cooler once you get fluid permeation (which is inevitable), but all of the coolers are not designed to be user serviceable - in fact, re-filling the radi...
by Independent George
Wed Nov 11, 2020 12:50 am
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6692

Re: Looking for a knife set

Japanese knives are usually forged from a harder, high-carbon steel with a straighter blade and a 15 degree bevel angle. They are made for straight cutting motion - when you cut straight down, you don't benefit from leverage, so you need a shallower bevel, which, in turn, requires a harder steel to ...
by Independent George
Tue Nov 10, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

Good idea except AMD and the motherboard makers say it's not supported. https://www.amd.com/en/chipsets/b550 *Note: AMD B550 chipset is not compatible with AMD Ryzen™ 5 3400G & AMD Ryzen™ 3 3200G processors. Well crap. Just another perfectly good idea being ruined by it being completely impossi...
by Independent George
Tue Nov 10, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 387
Views: 23989

Re: PC Build Thread 2020

Based on what I've read, I agree the B550 will work out fine for most users; that's what I expect to buy. Regarding the bolded part about PCIe 4.0 being worse (than 3.0) for M.2 because of heat, is it safe to say that an PCI 3.0 M.2 drive in a 4.0 slot would not have heat problems? I.e., using lowe...
by Independent George
Tue Nov 10, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Finding balance between responsibility and hedonism
Replies: 16
Views: 1497

Re: Finding balance between responsibility and hedonism

When you say you can afford the $500 payment, what terms are you getting that brings it down to $500? How long is the loan? What are you putting down for the deposit? What's the interest rate? Dealers are absolute experts at getting you to reach your monthly number, while hiding how much interest yo...
by Independent George
Tue Nov 10, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2009
Views: 488494

Re: Share your net worth progression

I'm thinking it will be helpful if people add in their salary/income as well. It gives a better idea how much of the net worth growth is due to high income vs investment returns. I agree completely. I think it's also important for people to see what's possible to achieve on modest incomes - so here...