Search found 76 matches

by notinuse
Tue Feb 23, 2021 6:25 pm
Forum: Investing - Theory, News & General
Topic: DCA: "It's dumb but maybe entirely rational"
Replies: 19
Views: 2078

Re: DCA: "It's dumb but maybe entirely rational"

Dollar cost averaging of a lump sum is just a form of behavioral economics. If that's what it takes for an investor, so be it. I personally don't use it.
by notinuse
Tue Dec 22, 2020 8:36 pm
Forum: Personal Investments
Topic: Have you ever considered Factor investing?
Replies: 15
Views: 849

Re: Have you ever considered Factor investing?

Just now. Based on a 0.9% AUM, my conclusion is hell no!
by notinuse
Sat Dec 19, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 94
Views: 6555

Re: Running Linux vs Other OS?

I've been running Linux at home and at work since 1998. I have never, ever had a worm or virus.
by notinuse
Sat Oct 31, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Are cheap all-in-one printers fine?
Replies: 28
Views: 2114

Re: Are cheap all-in-one printers fine?

Another vote for laser. I got tired of inkjets years ago, so in 2005 I bought a Samsung B/W laser printer, supports PCL6 and Postscript. I'm still using it, 15 years later.
by notinuse
Thu Oct 22, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 66
Views: 4037

Re: RIP Google Play

I use Pulsar to play music on my phone. There is a free versions, and a pay version called Pulsar+. I've used it for years, works for me. I have my music files stored on a microSD card on my phone.
by notinuse
Sun Oct 18, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Vanguard.com has invalid certificate
Replies: 22
Views: 1721

Re: Vanguard.com has invalid certificate

OP, you are running old software. Update your Mac's operating system and your version of Safari. Computer is old Macbook Air. AFAIK I am running the latest update available. Checked for updates but none was offered for Safari. Question: Is is safe to override message? Your operating system is out o...
by notinuse
Mon Jun 08, 2020 12:12 pm
Forum: Personal Investments
Topic: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?
Replies: 50
Views: 3738

Re: Can someone explain to me how bonds could possibly be used for any sort of significant income or gains?

I joined Bogleheads in 2012, and people have been saying some variation of this for the last 8 years. I'm glad I ignored them. Don't forget to include reinvested dividends in your calculations. https://www.morningstar.com/funds/xnas/vbtlx/performance We have been in a 40-year bull market for bonds,...
by notinuse
Thu Jun 04, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1426

Re: Linux Users- Are you running antivirus?

I've been using Linux for 22 years. I don't run antivirus software. Haven't had any problems.
by notinuse
Sun May 31, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 36
Views: 2583

Re: Suggestions for a comfortable desk chair on a budget

I bought the Alera Elusion chair from Walmart about four years ago. It's actually built reasonably well, and is comfortable for me. Walmart returns are easy, and Amazon also sells it if you prefer. About $150 right now. https://www.walmart.com/ip/Alera-Elusion-Series-Mesh-Mid-Back-Swivel-Tilt-Office...
by notinuse
Sun May 24, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 14471

Re: If Jeep has such poor reliability, how come they are everywhere?

Everybody doesn't like the same thing, or have the same priorities.
by notinuse
Sun May 24, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 67
Views: 4635

Re: New Tires or New Car?

Does the car have a full size spare? If so leave the spare on the car and purchase a cheaper new spare, or get one used for the spare. Then get rid of the vehicle. If it doesn't have a full size spare replace it with a cheap new or used tire and trade the car in. Perhaps try to trade it in as is wi...
by notinuse
Sun May 24, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 67
Views: 4635

Re: New Tires or New Car?

Another option would be to buy one tire of the same brand, model and size as the three good tires. Have a tire shop shave the tread so the new tire tread depth matches the other three. Spend a few hundred bucks instead of $1000+ to get the car back on the road. Then decide what you want to do with it.
by notinuse
Sat Feb 15, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs IRMAA vs health care coverage
Replies: 37
Views: 2086

Re: Medicare vs IRMAA vs health care coverage

Medicare Part B is subsidized for most people. IRMAA is a reduction of that subsidy if your income is high enough. The medicare part of payroll tax paid when employed is for Part A, not Parts B or D.
by notinuse
Wed Feb 05, 2020 7:03 pm
Forum: Personal Investments
Topic: VTSAX Alternative Inside an HSA?
Replies: 8
Views: 684

Re: VTSAX Alternative Inside an HSA?

My HSA is also at Fidelity, and I am using FZROX for the total U.S. market fund. No fees.
by notinuse
Mon Dec 02, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Most "vanguard like" HSA provider
Replies: 51
Views: 4643

Re: Most "vanguard like" HSA provider

I moved my HSA to Fidelity.
by notinuse
Wed Nov 27, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Cheap PC for Turbo Tax?
Replies: 5
Views: 689

Re: Cheap PC for Turbo Tax?

Last May I bought a refurb Lenovo Thinkpad T450 for $230. It has 8 GB of RAM, an i5-5300U 2.3 GHz CPU, and a 128 GB SSD. It came with MS Windows 10 Pro. The computer has been working well so far. I bought it from seller geekfurb on eBay.
by notinuse
Thu Jul 11, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 11783

Re: (Tall) Buyer Beware: Honda Accord.

We're thinking about buying a Honda CRV - any tall people have similar issues? My wife has a Honda CRV, and the seats are not comfortable to me. I am 6 feet tall, 170 pounds, and the seat bottoms are too short to provide much thigh support for me. What year? It is a 2018. I should mention my wife i...
by notinuse
Wed Jul 10, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 11783

Re: (Tall) Buyer Beware: Honda Accord.

simplesimon wrote: Tue Jul 09, 2019 5:06 am We're thinking about buying a Honda CRV - any tall people have similar issues?
My wife has a Honda CRV, and the seats are not comfortable to me. I am 6 feet tall, 170 pounds, and the seat bottoms are too short to provide much thigh support for me.
by notinuse
Sun Jun 16, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Why do large personal portfolios include bonds?
Replies: 171
Views: 16068

Re: Why do large personal portfolios include bonds?

Behavioral economics. Having some ballast in the portfolio reduces the chance of making a foolish decision when financial times are bad.
by notinuse
Sun Jun 02, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 206963

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater, I value your information updates. Please continue.
by notinuse
Thu May 30, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 6370

Re: Jim Cramer

You are correct, and it is not new. He has been doing this for a long time, and he still has viewers. I don't get it.
by notinuse
Sat May 25, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: How to "lie" with Personal Finance
Replies: 28
Views: 5503

Re: How to "lie" with Personal Finance

AlohaJoe wrote: Fri May 24, 2019 10:48 am
notinuse wrote: Thu May 23, 2019 10:33 am The basis of the 4% "rule" (Trinity study) also used 95% success, not 100%. Some sequences failed.
The Trinity study is not the basis of the 4% rule. The basis of the rule is Bengen and he found 100% success.
Thank you for the correction. I misspoke/typed. :oops:
by notinuse
Thu May 23, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: How to "lie" with Personal Finance
Replies: 28
Views: 5503

Re: How to "lie" with Personal Finance

The basis of the 4% "rule" (Trinity study) also used 95% success, not 100%. Some sequences failed.
by notinuse
Mon Apr 15, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 2040

Re: FreeTaxUSA website down

Credit Karma is completely free - and completely awesome. Used it last year and this, very pleased. I tried using Credit Karma two years ago, and it had errors on my return. I couldn't file with it. Of course, last year I tried to use FreeTaxUSA and I found it had calculation errors, confirmed by t...
by notinuse
Sat Mar 16, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 208
Views: 44421

Re: Indexing beats Wellington and Wellesley right?

Humans are not 100% rational.
by notinuse
Fri Feb 15, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 9661

Re: Did you get spooked by the December 2018 fall and gave up on passive?

No, I made no investing changes, and I didn't consider the December drop to be brutal. If the December drop bothered you, you may want to review your asset allocation.
by notinuse
Fri Feb 08, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 206963

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Read the rest of the articles The first one includes a detailed list for What Honda, and Owners, Should Do Now. We were thinking about replacing one of our three Hondas with the new Honda Insight hybrid. It may be a great car with no engine issues, but Honda's cavalier attitude about what is certai...
by notinuse
Sun Feb 03, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 699
Views: 57657

Re: Larry Swedroe: 3% is the new 4%

Personally, I wouldn't consider retiring with a 4% withdrawal rate. But I am shooting for an early retirement age and 40-50 years of retirement if I'm lucky. Currently debating between 2.5% and 3% withdrawal, but haven't decided. I've got maybe 10 more years to figure it out. That makes sense, sinc...
by notinuse
Mon Jan 28, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is health insurance still required at risk of penalty?
Replies: 22
Views: 1425

Re: Is health insurance still required at risk of penalty?

AFAIK, the requirement is still there, however the penalty for not having insurance is zero.
by notinuse
Fri Jan 25, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a wealth tax
Replies: 64
Views: 3810

Re: Implementing a wealth tax

How can the economy be the best it's been in at least 2 decades, with unemployment at nearly the lowest rates in history, yet the US is INCREASING it's annual deficit? Rhetorical question, I know... Spending. Stop spending more than is taken in and deficits will decrease. Not the answer you were lo...
by notinuse
Thu Jan 17, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 3735

Re: What shelf liquor and your favorite cocktails?

Wild Turkey 101. Works for me.
by notinuse
Thu Nov 15, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2359

Re: Did millennials really get the short straw?

Life for humans, on average, is better now than it has ever been.

https://www.gapminder.org/
by notinuse
Thu Nov 15, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 10
Views: 1409

Re: Lexus NX vs RX

For more pothole resistance, choose a model with smaller diameter wheels and taller side profile tires.
by notinuse
Tue Sep 25, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 6009

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliz...
by notinuse
Fri Sep 21, 2018 5:38 pm
Forum: Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1942

Re: Universal Life article in WSJ 9/20/18

If you buy a 1 year term life policy when you are young, it is cheap. If you buy it when you are old, it is expensive. Sounds logical to me. The real question is, why are these people so hesitant to drop their policies in old age? It’s not like they “lost” any money - they paid for one year of insu...
by notinuse
Fri Sep 21, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 8485

Re: My Very First Smartphone — Please Critique This Plan

since you are familiar with Tracfone you could just buy a smartphone and continue using Tracfone. we recently bought a new smartphone from Tracfone for right at $100. +2 If you're happy with Tracfone, you can port your existing account to a smartphone. I did that a few years ago, and I am using the...
by notinuse
Sat Sep 01, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA costs
Replies: 7
Views: 1253

Re: IRMAA costs

...Sorry. That all came out clear as mud. Well, point is: the IRMAA landscape is evolving. Best actionable thing to do is to be aware of both your approximate MAGI and the IRMAA tier thresholds each year and try not to be "just over" a threshold if possible. Manage Roth conversions to do ...
by notinuse
Sat Sep 01, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA costs
Replies: 7
Views: 1253

Re: IRMAA costs

...Sorry. That all came out clear as mud. Well, point is: the IRMAA landscape is evolving. Best actionable thing to do is to be aware of both your approximate MAGI and the IRMAA tier thresholds each year and try not to be "just over" a threshold if possible. Manage Roth conversions to do ...
by notinuse
Mon Jul 23, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 6150

Re: High voltage powelines near house

How about those cell towers? They can popup anywhere and probably produce a lot more EM radiation, right? The issue is not EM radiation. EM radiation from power lines would only form at very great distances and would have miniscule power density. The issue is low-frequency (e.g., 60 Hz) reactive fi...
by notinuse
Sat Apr 28, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 11572

Re: Extended Warranty for Honda Odyssey - worth it?

So evidently, Hondas aren't as reliable as the other car buying threads on this forum would have you believe. Hm.
by notinuse
Sun Apr 22, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 9890

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tr...
by notinuse
Tue Feb 06, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 9890

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tr...
by notinuse
Tue Feb 06, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 9890

Re: Cheap cell phone plans

+1 On the HSN/Tracfone bundle. It is basically cheaper to get a new phone with the bundle each year than to pay for another years service. Some of them will include a years service and other will triple your minutes for the life of the phone. For his light use the years service is likely the best d...
by notinuse
Mon Feb 05, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 9890

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tra...
by notinuse
Mon Feb 05, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 25381

Re: For BHs who actually like cars - what is your daily driver?

2017 Mustang GT with a manual transmission. It's my only car, which makes winter lots of fun. A buddy off mine came over one weekend in the middle of winter driving his new mustang gt. Two weekends later he came over with a different "new car". My wife asked., how many new cars he had. He...