Search found 12 matches

by long_drink
Tue Mar 23, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5254

Re: Baylor, Auburn or ‘Bama?

Perhaps I missed it, but what major is your son interested in? As another poster mentioned, University of Texas is a good school and would probably be less of a culture change coming from California. However, depending on why your son wants to leave California... a culture change might be what he's ...
by long_drink
Wed Jan 20, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8251

Re: Password manager

I use KeePass and store the database in the cloud. Since that could be a security weak point, I set the database to require a keyfile (which is stored separately on each device). Works great on desktop and pretty good on a smartphone.

It's free, it's simple, and I'm in control of everything.
by long_drink
Fri Jan 15, 2021 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Invest in index funds or take a tax-free 1.9% return?
Replies: 5
Views: 825

Re: Invest in index funds or take a tax-free 1.9% return?

The 1.9% "return" of paying off the loan wouldn't be that significant to me, but having one less payment to keep track of and more free cash flow each month probably would be worth it. I'd probably pay it off, but then start investing the "payment" each month, if my finances allo...
by long_drink
Fri Dec 18, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: Smart Thermostats – Worth it?
Replies: 39
Views: 2445

Re: Smart Thermostats – Worth it?

My utility company offered rebates on smart thermostats so I went with a cheap one. Link below. https://www.amazon.com/Emerson-Thermostat-Version-Energy-Certified/dp/B01NB1OB0I I'm extremely pleased with it. I can set the temperature from the bed, or from the car if going on a trip and I forgot to t...
by long_drink
Tue Nov 24, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Nov 2020 Best overall no fee cash back credit card?
Replies: 18
Views: 1901

Re: Nov 2020 Best overall no fee cash back credit card?

For groceries, your best bet is probably Chase Freedom and Discover It. You'll usually be able to 5% on groceries for 6 months out of the year having both of those. Paypal is often included, so that would also cover ebay. For cell phone bill, US Bank Cash+ will get you 5%. I use it for cell phone bi...
by long_drink
Mon Sep 28, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2928

Re: Vacuum for mostly hardwood floors...

We have a Sebo which we like, but we also have a roborock s5max for automatic vacuuming. The Sebo is not used as much anymore when our house is vacuumed and "mopped" daily with almost no effort on our part.
by long_drink
Mon Sep 28, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Replacement for a good pocket point-and-shoot camera?
Replies: 81
Views: 4148

Re: What Android smartphone to replace a good pocket point-and-shoot camera?

If you're willing to consider something that's roughly the same size except thicker, the Sony RX100 series has much larger 1-inch sensors that will provide dramatically better picture quality than your old Sony. There are a lot of models (Sony came out with a new one almost every year but kept the ...
by long_drink
Mon Sep 21, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: stand up freezer for garage
Replies: 26
Views: 1634

Re: stand up freezer for garage

We've had a standup Frigidaire in our garage for a few years and it's been working great. We're in Texas, so it certainly gets hot in the summers and can get below freezing in the winters. Chest freezers can be more efficient, but we're not opening it all the time and we wanted it to be easy to find...
by long_drink
Thu Sep 03, 2020 12:17 pm
Forum: Personal Investments
Topic: Convincing teenager to invest in Roth
Replies: 109
Views: 6121

Re: Convincing teenager to invest in Roth

I don't have teenagers yet, but I think it may be impossible to convince them that saving money now for when they're 65 is worthwhile. If they think 30 is old, how do you think they feel about 65? Yes, I know they can withdraw contributions before that, but that's not a practice I want to encourage....
by long_drink
Thu Aug 27, 2020 3:01 pm
Forum: Personal Investments
Topic: Are International Stocks worth it?
Replies: 44
Views: 2779

Re: Are International Stocks worth it?

The US was only top dog just 1 out of last 20 years. Which did better? Finland (in top spot 4 times). Take that U.S. Interesting graphic, but an individual international country's performance doesn't really matter. Some individual international countries may do well, but not many would advocate tha...
by long_drink
Thu Apr 23, 2020 2:23 pm
Forum: Personal Investments
Topic: True tax advantage of Vanguard funds over Fidelity?
Replies: 29
Views: 1960

Re: True tax advantage of Vanguard funds over Fidelity?

wetgear wrote: Thu Apr 23, 2020 12:48 pm ITOT is the iShares (free trades at Fidelity) equivalent to VTI. I'd just use that to avoid trading fees.
I believe all US stocks and ETFs trade free at fidelity now.