Search found 642 matches

by DTalos
Thu May 06, 2021 10:19 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

What do you all think about the risk/reward or pros/cons of owning XLE vs individual oil stocks? Also, where can I find the specific per share dividend of XLE? If you are still interested in a sector bet, I would consider Jack Bogle’s advice and limit it to no more than 5% of your portfolio. You ma...
by DTalos
Thu May 06, 2021 8:00 pm
Forum: Personal Investments
Topic: Buying Before Ex-Dividend Date
Replies: 13
Views: 634

Re: Buying Before Ex-Dividend Date

Novice Question: I've noticed that when I purchase a stock, the settlement date is usually one day after the date I initiate the trade. If I am interested in buying a stock with an ex-dividend date of May 14 for example, how late can I purchase the stock to ensure I am qualified to receive the divi...
by DTalos
Thu May 06, 2021 7:58 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

Checking back after a couple of months. It seems like there has been a renewed interest in commodities based on the upward trend of individual oil stocks in the last few days. I suspect a lot of people are putting money into commodity stocks as a hedge against inflation. Is a major oil likely to per...
by DTalos
Thu May 06, 2021 7:52 pm
Forum: Personal Investments
Topic: Buying Before Ex-Dividend Date
Replies: 13
Views: 634

Buying Before Ex-Dividend Date

Novice Question: I've noticed that when I purchase a stock, the settlement date is usually one day after the date I initiate the trade. If I am interested in buying a stock with an ex-dividend date of May 14 for example, how late can I purchase the stock to ensure I am qualified to receive the divid...
by DTalos
Tue Apr 27, 2021 6:20 pm
Forum: Personal Consumer Issues
Topic: Adequate Speed for Internet Streaming
Replies: 18
Views: 941

Re: Adequate Speed for Internet Streaming

A thread like this shows how people have never tested to see what speed they really need. More is better, for the provider's revenue. More is unnecessary in reality. We successfully streamed to a TV via a computer with 10MBPS and ran multiple devices. Our provider eliminated the bottom tier, and ma...
by DTalos
Tue Apr 27, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Adequate Speed for Internet Streaming
Replies: 18
Views: 941

Re: Adequate Speed for Internet Streaming

tiburblium wrote: Tue Apr 27, 2021 4:46 pm It depends what your watching.

Internet streaming video ranges from about 3MB/sec for cartoons, to 20MB/sec for 4k. Most services will automatically degrade quality to match your connection speed

I watch movies on Firestick as well as major cable and network news apps.
by DTalos
Tue Apr 27, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: Adequate Speed for Internet Streaming
Replies: 18
Views: 941

Re: Adequate Speed for Internet Streaming

1 TV or multiple? I think 100mb is a good starting point for 1-2 streams + regular activity/attached devices. 50mb may work fine for 1-2 streams and some other basic activity. If it is cable modem service, speeds can dip in the evening when everyone is home and online, so you may not get 50mb if yo...
by DTalos
Tue Apr 27, 2021 4:30 pm
Forum: Personal Consumer Issues
Topic: Adequate Speed for Internet Streaming
Replies: 18
Views: 941

Adequate Speed for Internet Streaming

What is an adequate download and upload speed needed for streaming apps on an Amazon Firestick?

I am trying to decide between an internet plan that has 50mbps download/3 mbps upload vs one that has 150mbps download/10 mbps upload? The difference is $11 per month.
by DTalos
Sun Apr 25, 2021 6:23 pm
Forum: Personal Consumer Issues
Topic: Laundry Detergent Small Packets
Replies: 17
Views: 1148

Laundry Detergent Small Packets

Are individual packets of laundry detergent, whether in a powder or liquid form, superior in cleaning ability to a liquid bottle or box of powder of same brand detergent? Were individual packets primarily created for convenience purposes (not having to handle a heavy bottle or box)?
by DTalos
Sun Apr 25, 2021 6:18 pm
Forum: Personal Consumer Issues
Topic: Limited Product Warranties
Replies: 3
Views: 327

Re: Limited Product Warranties

Use my Costco Visa which adds 2 years. I have never gotten a company to refuse to honor a warranty, but I push hard if necessary. I suppose a credit card company would help, but there are probably time limits after purchase and they most likely wouldn't want to intercede on a regular basis over a w...
by DTalos
Sat Apr 24, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: Limited Product Warranties
Replies: 3
Views: 327

Limited Product Warranties

How often do companies honor their limited warranties on sub $300 items? Reason why I ask is because I purchased an under $10 product that failed after the retailer's return period. I contacted the company about a month ago informing them of the defective product and giving them details of my purcha...
by DTalos
Sat Apr 17, 2021 5:37 pm
Forum: Personal Consumer Issues
Topic: Non-Pilling Bed Sheets
Replies: 5
Views: 542

Non-Pilling Bed Sheets

Is there a certain type of cotton or thread count of bed sheets that does not pill or is purely random luck which sheet sets will pill or not after 1-2 washes? Do high priced sheet sets pill after 1-2 washes?
by DTalos
Mon Apr 12, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 18
Views: 3236

Re: Gift Card to Permanently Closed Business

A lot of consumers were probably left with worthless gift cards after many companies filed for bankruptcy during the pandemic.
by DTalos
Fri Apr 09, 2021 6:49 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 18
Views: 3236

Re: Gift Card to Permanently Closed Business

Thanks for the unfortunate information.
by DTalos
Fri Apr 09, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 18
Views: 3236

Gift Card to Permanently Closed Business

I have a gift card to a company that permanently closed all of its locations. I have learned that the company is in bankruptcy court and filing a claim with the court is the only way to recover any money as an unsecured creditor for an otherwise worthless gift card. What is the possibility of recove...
by DTalos
Wed Mar 24, 2021 3:06 pm
Forum: Personal Consumer Issues
Topic: Retention of Government Employee E-mails
Replies: 23
Views: 1796

Re: Retention of Government Employee E-mails

Technically, a federal employee should only use their government email for official business. If you’re worried about the issue, ask them to communicate via a personal email address, which they should be doing anyway. The real world answer to your question is emails are saved until an employee choo...
by DTalos
Wed Mar 24, 2021 2:42 pm
Forum: Personal Consumer Issues
Topic: Retention of Government Employee E-mails
Replies: 23
Views: 1796

Retention of Government Employee E-mails

I am not employed by the federal government. However, if someone (a non-elected federal employee) with a .gov e-mail address were to send me an e-mail about a non-government related issue (non-official government business), how long would that e-mail be retained if the employee doesn't delete it? Wo...
by DTalos
Thu Mar 18, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 38
Views: 22113

Re: Cox Retention Department

I admire the previous poster's tenacity although if there are suddenly no retention offers after placing a cancellation order, I wonder if you can "un-cancel"? My biggest fear would be losing a long-term email address. Is there any advantage to calling both phone numbers before one's promo...
by DTalos
Mon Mar 15, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: StarMop vs Competitors
Replies: 0
Views: 228

StarMop vs Competitors

I have owned a StarMop with a microfiber pad for a decade and the link between the pole and where it attaches to the pad area broke. What are your opinions of StarMop vs competitors for dry cleaning a tile floor?
by DTalos
Sat Mar 13, 2021 3:03 am
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5222

Re: Mail to IRS--Certified

I appreciate all the comments on both sides. It's not just about saving $5, (the amount is more if you have more than one return, plus mailing returns to state tax agency too). I completely understand the perspective of the referenced tax law blog article. However, for years the majority of the gene...
by DTalos
Fri Mar 12, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: eBay Combined Shipping Questions
Replies: 2
Views: 241

eBay Combined Shipping Questions

I asked a seller if he/she would offer combined shipping for 3 separate widgets they were selling in separate listings and the seller responded in the affirmative with a combined shipping price. How easy or difficult is it for the seller to change the invoice to reflect this? Secondly, does the owne...
by DTalos
Thu Mar 11, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5222

Re: Mail to IRS--Certified

mortfree wrote: Thu Mar 11, 2021 3:33 am I mailed mine 3-day priority mail. $8

It took 17 days for it to be delivered. PA to Utah
Wow! That is a long time for Priority Mail.
by DTalos
Wed Mar 10, 2021 11:32 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5222

Re: Mail to IRS--Certified

It's been several months since my OP (not related to annual tax returns) and there has been much news media coverage regarding the USPS and delivery complaints since that time. I have always mailed my annual tax returns via regular first class mail--not certified. Are any of your planning on mailing...
by DTalos
Wed Mar 10, 2021 5:49 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil. Oil stocks can sometimes disconnect from oil prices for a time. You saw this in the fall of last year when oil prices were relatively stable but oil stocks drifted downwards significantly. Then there was a sudden catch up in N...
by DTalos
Wed Mar 10, 2021 5:04 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 370

Re: Market Opening Price of a Stock

A market has a "book" with all of the orders in it. Whatever price is needed to clear the market is the opening price. It really does not matter what the price of the stock was yesterday. Sure, it gives you a hint, but... Anyways, often companies release their big information after the ma...
by DTalos
Wed Mar 10, 2021 4:47 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 370

Re: Market Opening Price of a Stock

PluckyDucky wrote: Wed Mar 10, 2021 4:45 pm Which price?

There's bid, ask, mark, and last.

If you mean what determines where the bid/ask are in general, it's just the limit orders people have at that time.

The "open" price.
by DTalos
Wed Mar 10, 2021 4:43 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 370

Market Opening Price of a Stock

Basic Question: What determines the market opening price of a stock?

Followup Question: If the closing price of a stock is $50 and I place a limit buy order before the market opens to buy one share of the stock at $50.20 and the market opening price ends up being $50.40 will my order be filled?
by DTalos
Tue Mar 09, 2021 7:11 pm
Forum: Personal Investments
Topic: Dividend Reinvesting at Major Brokerage
Replies: 8
Views: 762

Re: Dividend Reinvesting at Major Brokerage

Since I assume the tax consequences are the same for receiving cash or having the dividends automatically reinvested into more stock via the brokerage's dividend reinvestment program in my taxable account, I assume using the brokerage's automated program gives me less control over the the reinvested...
by DTalos
Tue Mar 09, 2021 2:43 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 447

Re: Domestic vs Foreign Oil Stocks

It's hard to lump all of the foreign oil stocks together, but a lot of the foreign companies are much less dependent on crude pricing. Companies like Shell, Equinor (f/k/a Statoil), and Total are integrated companies (doing both refining and production) that also dabble in power generation (wind en...
by DTalos
Mon Mar 08, 2021 5:12 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 447

Re: Domestic vs Foreign Oil Stocks

It's hard to lump all of the foreign oil stocks together, but a lot of the foreign companies are much less dependent on crude pricing. Companies like Shell, Equinor (f/k/a Statoil), and Total are integrated companies (doing both refining and production) that also dabble in power generation (wind en...
by DTalos
Mon Mar 08, 2021 4:03 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 447

Domestic vs Foreign Oil Stocks

Why have domestic oil stocks rallied much greater than their foreign counterparts in the past few months?
by DTalos
Thu Mar 04, 2021 10:14 pm
Forum: Personal Consumer Issues
Topic: Safer to Pay Bill by Mail or Phone?
Replies: 32
Views: 2152

Safer to Pay Bill by Mail or Phone?

I would like to renew my membership in an organization and the options are to pay by mail (via check or credit card) or by phone. Is it safer (from a standpoint of financial information being compromised) to pay via check by mail or to give a credit card number to the representative over the phone?
by DTalos
Sun Feb 28, 2021 7:52 pm
Forum: Personal Consumer Issues
Topic: Website that Purchases Smartphone
Replies: 10
Views: 750

Website that Purchases Smartphone

If anyone has favorable opinion of websites that purchases smartphones, please comment. Instead of donating my smartphone, I'd like to see if it has any value. Not interested in eBay or Craigslist.
by DTalos
Sun Feb 28, 2021 2:27 pm
Forum: Personal Investments
Topic: Dividend Reinvesting at Major Brokerage
Replies: 8
Views: 762

Dividend Reinvesting at Major Brokerage

I own a stock that was purchased via a major brokerage company. I read that some people reinvest the dividend (via automatically buying more of same stock) and was wondering if all stocks offer them or not? Does a brokerage give you an option to receive dividends as income vs reinvesting?
by DTalos
Sun Feb 28, 2021 2:19 pm
Forum: Personal Investments
Topic: Cash in Sweep Account
Replies: 6
Views: 480

Cash in Sweep Account

Is there a need to keep any cash in a "sweep account?" When selling stock, are fees/commissions paid from the sweep account or from proceeds of the sale of the stock? Do any of you buy 1 share of a low priced stock in order to bring the amount as close to 0 as possible?
by DTalos
Fri Feb 19, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: [Heavyweight Protectors for 8.5" x 11" Sheets]
Replies: 3
Views: 482

[Heavyweight Protectors for 8.5" x 11" Sheets]

[Title edited for clarity -- mod oldcomputerguy]

What are good quality, consistent, acid free, heavyweight, clear sheet protector brands in 8.5x11 size?
by DTalos
Thu Feb 18, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Storing Postage Stamps
Replies: 5
Views: 701

Storing Postage Stamps

For those of you who collect postage stamp sheets, how do you store them? Would you trust common brand scrapbook albums that tout "acid free" and "archival."?
by DTalos
Mon Feb 01, 2021 2:41 am
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5095

Re: Physical Silver VS SLV

If one holds physical silver through a brokerage company, how does one go about selling it? Are there market and limit orders, just like with stocks or do you have to put in a futures order for a certain time? Are commissions and fees negotiable with a broker and if so, it it as simple as asking &q...
by DTalos
Mon Feb 01, 2021 2:28 am
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15385

Re: Physical Silver Short Squeeze maybe on

There would still be a commission to buy or sell in times of hyperinflation. Some brokerages don't list commission rates and mention they are negotiable. DTalos, And, why should that matter to me? I know how to negotiate. It is only a problem for those that do not know how to negotiate. KlangFool I...
by DTalos
Sun Jan 31, 2021 9:58 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15385

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 9:56 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley Physical Silver
Replies: 14
Views: 1745

Re: Morgan Stanley Physical Silver

I wonder what the commissions are to buy and sell physical silver with Morgan Stanley?
by DTalos
Sun Jan 31, 2021 9:53 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15385

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15385

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 8:43 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 322

Re: Brokerage Account Terms and Meanings

Find this unclear. how did you buy stock if there is a trading hold on the recent funds transfer? Whenever I transfer $$ to VG it takes about a week to 'settle' and be useable though am unclear which brokerage you refer to. I had a sum of money in the account which I used to buy stock. Then I trans...
by DTalos
Sun Jan 31, 2021 8:35 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 322

Re: Brokerage Account Terms and Meanings

Find this unclear. how did you buy stock if there is a trading hold on the recent funds transfer? Whenever I transfer $$ to VG it takes about a week to 'settle' and be useable though am unclear which brokerage you refer to. I had a sum of money in the account which I used to buy stock. Then I trans...
by DTalos
Sun Jan 31, 2021 8:31 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15385

Re: Physical Silver Short Squeeze maybe on

If you own physical silver and the fine print does not mention a specific commission when buying or selling and that commissions are negotiable, how negotiable are they? Is there any state or federal statutes that regulate commissions? If not, then with the latest short squeeze, a broker could say 5...
by DTalos
Sun Jan 31, 2021 3:43 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 322

Brokerage Account Terms and Meanings

I'll try to be as generic as possible for privacy reasons. I have a brokerage account. I recently transferred money into it and the brokerage website confirms that transaction and my account balance reflects it. The fund transfer went into a cash sweep account. However, I have a recent deposit tradi...
by DTalos
Mon Jan 25, 2021 7:29 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil. Oil stocks can sometimes disconnect from oil prices for a time. You saw this in the fall of last year when oil prices were relatively stable but oil stocks drifted downwards significantly. Then there was a sudden catch up in N...
by DTalos
Mon Jan 25, 2021 5:27 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil.
by DTalos
Mon Jan 25, 2021 5:12 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 18
Views: 1378

Re: XLE vs Individual Oil Stocks

I noticed a large dividend payment on 12/30/19 for XLE.


https://www.nasdaq.com/market-activity/ ... nd-history


Are dividends like those usually a one-time event?