Search found 3881 matches

by Ged
Sat Mar 20, 2021 4:29 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17975

Re: Why can't we have another 20 years of bull market?

bikechuck wrote: Sat Mar 20, 2021 4:03 pm
I felt more prepared when I was in the accumulation phase. Consequences of a correction that endures for a decade or so are brutal for retirees. You can mitigate but not eliminate that risk.
Why can't you mitigate it? A 70-year old should be 70% in bonds and other stable instruments.
by Ged
Sat Mar 20, 2021 4:26 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20669

Re: Were You Around During Dotcom Bubble?

Yes, I was around during the dot com bubble. Pretty much ignored it. Was investing mostly through an employer 401K plan that was broadly focussed.

The primary effect it had on me was a period of unemployment for a few months. Not a big deal. Ended up with a better job.
by Ged
Sat Mar 20, 2021 12:02 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17975

Re: Why can't we have another 20 years of bull market?

Blue456 wrote: Sat Mar 20, 2021 11:44 am
bikechuck wrote: Sat Mar 20, 2021 11:41 am Mr. Bogle always reminded us about reversion to the mean.
But what is the mean? Can it change?
The mean is only ascertainable in hindsight.
by Ged
Tue Mar 02, 2021 10:03 pm
Forum: Personal Consumer Issues
Topic: 1987 Carrier HVAC. Replace or fix?
Replies: 57
Views: 3448

Re: 1987 Carrier HVAC. Replace or fix?

I was in a similar situation 15 years ago. I did this: 1) Get the new system. The 80% efficiency will pay for itself. I am very happy with the result. Saved a lot on my utilities, got reliable system, an energy credit rebate, and made friends with a great electrician who has done a lot of work for m...
by Ged
Fri Feb 19, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: New version of Microsoft Office won't require you to pay for a subscription
Replies: 71
Views: 6459

Re: New version of Microsoft Office won't require you to pay for a subscription

My family of 4 uses Office 365. With a cost of 25$ per person per year it seems like a good deal.

I have other more questionable expenses that exceed that by far, like my cable and phone bills.
by Ged
Fri Jan 29, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Best 'redundant' backup internet for home work
Replies: 40
Views: 2800

Re: Best 'redundant' backup internet for home work

I don't think there is a solution to this if you don't have a fiber optic service.

My experience with trying to use phones after a weather related outage is that the cell towers go out too or are overloaded. You are lucky to get a text through.
by Ged
Thu Jan 07, 2021 9:51 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17580

Re: Are plasma TV's gone forever?

I have two OLED TVs that I watch all the time, rather than my 72” LCD, whIcy seldom gets turned on. 55” and 65” OLEDs are, IMO, already affordable for people who value picture quality, but I just can’t get myself to pull the trigger on a 77” $10-15k TV. I have a nice 70" LCD. While I'd love to...
by Ged
Sun Nov 01, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Receipt scanner for home
Replies: 24
Views: 1405

Re: Receipt scanner for home

Some Fujitsu ScanSnap models with appropriate software will do up to 34 inches.
by Ged
Sun Nov 01, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Furnace Filters
Replies: 50
Views: 3795

Re: Furnace Filters

I have a Carrier High Efficiency Furnace and AC - for my setup they recommended a 20x25x5 MERV 12 replaced 2x a year. Cost is $25 each.

https://www.amazon.com/gp/product/B004L ... UTF8&psc=1
by Ged
Fri Oct 30, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: Where would you be if you had invested like a Boglehead from the beginning?
Replies: 107
Views: 8096

Re: Where would you be if you had invested like a Boglehead from the beginning?

I discovered Malkiel's Random Walk Down Wall Street about 1990. Prior to that (from 1978 when I joined the workforce) I was chasing flavor of the year mutual funds in my 401K for about 12 years. So I guess I lost out on about 25% of my potential lifetime Boglehead accumulation. Would that have made ...
by Ged
Tue Oct 27, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Retention Rates
Replies: 69
Views: 6478

Re: Amazon Prime Retention Rates

Costco has a fairly affluent clientele. I haven't noticed quality issues on the things I've purchased there. Costco often has upscale items for good prices and their return policy is top notch. I generally go there for the gasoline and stop in with a list from my wife, and then shop for items that ...
by Ged
Mon Oct 19, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Trane HVAC - Bad Experience
Replies: 55
Views: 3575

Re: Trane HVAC - Bad Experience

I have had a Carrier HVAC system for about 15 years. Zero problems. The installer's electrician has become our go-to person for recommendation of other contractors. I had them install a Mitsubishi mini-split in my garage as well. Again no problems. My brother has a Trane that is about 5 years old. W...
by Ged
Sun Oct 18, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4623

Re: Windows 10 very slow (2 year old Dell Desktop)

A program that I use from time to time is Autoruns, a free Sysinternals tool from Microsoft that enumerates all the programs that automatically start on a Windows machine. With this you can disable a lot of the automatically launched soul - sucking programs that creep in when you install software. ...
by Ged
Sun Oct 18, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4623

Re: Windows 10 very slow (2 year old Dell Desktop)

A program that I use from time to time is Autoruns, a free Sysinternals tool from Microsoft that enumerates all the programs that automatically start on a Windows machine. With this you can disable a lot of the automatically launched soul - sucking programs that creep in when you install software. B...
by Ged
Thu Oct 15, 2020 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20778

Re: Is programming still a valuable skill to learn?

$0.02: "coding" is everywhere, and when it's being taught to 7-year-olds the mere ability to "code" isn't going to by itself translate into a great job for very long. The good programmers also know some math. Otherwise you won't know how to deal with more than datasets of trivia...
by Ged
Sun Oct 11, 2020 4:17 pm
Forum: Personal Investments
Topic: Critique draft proposal of fee-only advisor for elderly parents
Replies: 27
Views: 2256

Re: Critique draft proposal of fee-only advisor for elderly parents

Start off re-investing excess dividends into a diversified fund like VTSAX instead of T and ED. I am a 3 fund person so this advisor's plan seems overly complex to me. When your parents pass you will likely get a capital gains exemption for their gains over the years making restructuring of the port...
by Ged
Wed Oct 07, 2020 9:40 am
Forum: Personal Investments
Topic: Tax FAQ- Late Arriving K-1 Income
Replies: 10
Views: 737

Re: Tax FAQ- Late Arriving K-1 Income

Personally I'd avoid any kind of investment situation that involves a K-1 because I like to get our tax situation promptly resolved every year. Yes, investing in something that provides headaches like this doesn't make sense unless you have someone working for you whose job is dealing with these he...
by Ged
Mon Oct 05, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: How do YOU handle network security?
Replies: 105
Views: 6538

Re: How do YOU handle network security?

Home network security is mostly about having up to date router firmware from a reliable source and strong passwords. Home network security is relatively easy compared to some other problems. The scariest incidents I've had are spoofed emails delivered with virus payloads as file attachments. Good em...
by Ged
Sat Oct 03, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Dying Broke (On Purpose) Article
Replies: 138
Views: 11260

Re: Dying Broke (On Purpose) Article

I have children who are not as well off as I am. I will be leaving them the bulk of my money.
by Ged
Wed Sep 30, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 5086

Re: Need some advice for buying my first flat screen TV.

If you are already tied in to the Apple ecosystem you may find the Apple TV works well for you. One of the main reasons it didn't work for me is that I had to set up an Apple account which I don't use for anything else.
by Ged
Wed Sep 30, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Amazon seller requires signature for item shipped via Fedex
Replies: 43
Views: 2336

Re: Amazon seller requires signature for item shipped via Fedex

I have had FedEx shipments diverted to a FedEx center. They notified me when it arrived and I went and signed for it. I was able to divert it with the tracking number alone. I have done this when the FedEx driver seemingly could not find my address. There are a lot of locations that Fed Ex will dro...
by Ged
Wed Sep 30, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 5086

Re: Need some advice for buying my first flat screen TV.

I don’t want a TV package at all. I want to be able to stream movies on demand, preferably in HD, and also be able to browse YouTube content. I assume that all I will need is sufficient internet bandwidth and some sort of streaming box like Roku or Apple TV. Is this correct? A Roku, NVIDIA Shield o...
by Ged
Wed Sep 30, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 5086

Re: Need some advice for buying my first flat screen TV.

I don’t want a TV package at all. I want to be able to stream movies on demand, preferably in HD, and also be able to browse YouTube content. I assume that all I will need is sufficient internet bandwidth and some sort of streaming box like Roku or Apple TV. Is this correct? A Roku, NVIDIA Shield o...
by Ged
Wed Sep 30, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Car Battery issues - SHORT Drive due to COVID (Work From Home)
Replies: 86
Views: 5416

Re: Car Battery issues - SHORT Drive due to COVID (Work From Home)

Good solar trickle charger for your battery and a good car battery tester.

The battery tester will tell you when to replace the battery. 5 years of neighborhood trips will bring most batteries to their knees.
by Ged
Wed Sep 23, 2020 9:59 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 3060

Re: How Many Brokerage Companies Are Too Many?

Has anyone ever considered the possibility that some IT guy might accidentally delete your account? Yes, there will be backups, but how often do companies actually test their backups? You might find this document interesting: https://www.fdic.gov/news/financial-institution-letters/2020/fil20003a.pdf
by Ged
Wed Sep 23, 2020 9:52 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 3060

Re: How Many Brokerage Companies Are Too Many?

I have assets at three brokerage companies. I like diversification for safety. I like SIPC Insurance. I'm curious if others have multiple brokerage accounts or consolidate into one. Pros/cons? We have two accounts, one in my name, one in my wife's name at one broker. Some of the assets in it were i...
by Ged
Fri Sep 18, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estate considerations with sibling living in home owned by parent
Replies: 33
Views: 2738

Re: Estate considerations with sibling living in home owned by parent

I had a very similar situation when I was executor of my father's estate. The only difference was that the parent's home mortgage was paid off. The will was also very simple. Share the value of the estate equally. What makes you think your sibling would like to remain in that home? It may be unsuita...
by Ged
Wed Sep 16, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 1002

Re: Furnace / Air Maintenance and Covid-19?

I am much more worried about Dr visits.
by Ged
Tue Sep 15, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15955

Re: charging an EV

I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitation? Bes...
by Ged
Mon Sep 14, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2886

Re: New Computer Setup for Photoshop

Instead of a machine with an SSD I would recommend an M.2 drive. Aren't M.2 drives SSDs? just a smaller form-factor (and generally faster but that should be confirmed). So if you get an M.2 drive you are getting an SSD. Yes, an M.2 drive (form factor) is an SSD. Perhaps OP meant an SSD with an NVMe...
by Ged
Mon Sep 14, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2886

Re: New Computer Setup for Photoshop

Instead of a machine with an SSD I would recommend an M.2 drive. These are 2-4 times faster. With photo processing you will notice the difference. I would also recommend a Ryzen processor with 8 cores. Photo editing will take advantage of the parallel processing these are capable of.
by Ged
Sun Sep 13, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3467

Re: Security question on one's passwords

I'm annoyed when a site requires your password to have at least one upper or lowercase letter, one number, a special character, etc. You'd think you were creating a pw to access the site for NORAD, but its just some internet forum. If I can't use the pw I want, sometimes I just don't join. Once you...
by Ged
Sat Sep 12, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 144
Views: 7989

Re: Please help me, need to buy a computer

If you have the option, we love buying our computers from Costco. They include an extra year of warranty at no charge. I recommend buying a laptop from Costco as well. One of the dark secrets of buying a laptop is that even if you get a DOA machine you usually cannot return it to the seller. You ha...
by Ged
Sat Sep 05, 2020 10:58 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 9381

Re: Wife is "forcing" me to buy stock(s)

If I were to speculate in an individual company right now it would be NVIDIA.
by Ged
Thu Sep 03, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35062

Re: PC Build Thread 2020

if you really want nvme gen 4, also look into the inland premium nvme gen4 (if you have a microcenter) or sabrent rocket gen4 . they are highly rated drives as well. nvme gen 3 aint nothing to sneeze at either. although if you are coming from SATA III, that is plenty fast too. the difference is mos...
by Ged
Mon Aug 31, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 55
Views: 6064

Re: is a $1000+ herman miller office chair worth the investment?

Leap V2. https://www.madisonseating.com/leap-chair-v2-by-steelcase.html?gclid=CjwKCAjw4KD0BRBUEiwA7MFNTddYjuxN311DMTO9L9aZSOkI_5aPTW3711DW4QHCa4vb_KH-UqjMTRoCUBUQAvD_BwE https://www.btod.com/blog/steelcase-leap-chair-review/ I refuse to buy a chair without adjustable seat depth, lumbar and arms. Th...
by Ged
Thu Aug 27, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fed wants inflation
Replies: 30
Views: 3128

Re: Fed wants inflation

vtMaps wrote: Thu Aug 27, 2020 10:31 am Is there anything they can do to actually increase inflation? --vtMaps
Nobody knows nuthin'
by Ged
Sat Aug 22, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13841

Re: Is it worth to relocate for retirement?

Don't forget to consider availability of medical care. That nice hospital with access to highly skilled specialists that is only 30 minutes away doesn't mean anything.....until you need it. 8-) I suppose I could have a larger house and lower other costs, especially real estate tax if I were to move...
by Ged
Thu Aug 20, 2020 1:17 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1838

Re: Over-allocated (70%) to well performing company stock

You didn't specify what percentage of your retirement number this is, or what percentage of your portfolio the quantity of shares that you cannot sell is. However I would certainly sell everything that you can up until you hit your retirement number. If you have amounts above your retirement number...
by Ged
Wed Aug 19, 2020 6:20 pm
Forum: Personal Investments
Topic: Over-allocated (70%) to well performing company stock
Replies: 33
Views: 1838

Re: Over-allocated (70%) to well performing company stock

You didn't specify what percentage of your retirement number this is, or what percentage of your portfolio the quantity of shares that you cannot sell is. However I would certainly sell everything that you can up until you hit your retirement number. If you have amounts above your retirement number,...
by Ged
Mon Aug 10, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing MIL's home as she moves to 55+ community: best practices
Replies: 18
Views: 1902

Re: Purchasing MIL's home as she moves to 55+ community: best practices

I would not touch the idea of being a landlord of property a few hours away for 10-15 years.
by Ged
Mon Jul 27, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Question for gardeners - What is the best herbicide to get rid of Canada Thistle? An update
Replies: 38
Views: 2120

Re: Question for gardeners - What is the best heburbicide to get rid of Canada Thistle?

I guess for thistle that I would weed-whack them before they went to seed to about 6 inches high, then spray what's left with glyphosate when there will be no rain for a few days. Pull off any flower heads, too. I would not cut the plants down before spraying with glyphosate. The herbicide is norma...
by Ged
Mon Jul 20, 2020 3:30 pm
Forum: Personal Investments
Topic: When to sell individual stock after run up?
Replies: 51
Views: 4086

Re: When to sell individual stock after run up?

Greetings BH community.... wondering your thoughts about when to sell an individual stock that has had a great run. During the market plummet in March, I bought a handful of tech and biotech stocks. In one of my favorite biotech stocks, I have a 181% gain and my total gain is $21k (short term). I h...
by Ged
Fri Jul 17, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: AT&T Fiber internet - modem/router
Replies: 9
Views: 677

Re: AT&T Fiber internet - rent modem/router?

fareastwarriors wrote: Fri Jul 17, 2020 1:43 pm Hi, I'm getting AT&T Fiber internet

My question is should I rent my modem/router?
I would never rent a router. I like having sole control of that for security reasons.

Modem I've done both, rent and buy. Right now I'm renting. It really depends on the options your service offers.
by Ged
Sun Jul 12, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4166

Re: Car, Remodel or Pool?

A car is a depreciating asset, and a pool club works well as an alternative to a pool. #2 is the obvious choice. 500 sq feet though is a BIG bedroom. I would sharpen my pencil a bit on that. In new construction homes the average master bedroom size is 224 square feet. Don't forget the impact on real...
by Ged
Mon Jun 29, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 17577

Re: Best secure email to use instead of gmail?

Before leaving Google for one of these more recent offerings touting improved privacy or security consider that: 4) Google does not scan your emails for ad targeting. Google ended this practice in 2017. Unfortunately we don't have a way of verifying that Google isn't scanning our mail, for its own ...
by Ged
Sun Jun 28, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 17577

Re: Best secure email to use instead of gmail?

Before leaving Google for one of these more recent offerings touting improved privacy or security consider that: 4) Google does not scan your emails for ad targeting. Google ended this practice in 2017. Unfortunately we don't have a way of verifying that Google isn't scanning our mail, for its own ...
by Ged
Sun Jun 28, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 17577

Re: Best secure email to use instead of gmail?

I would vote Protonmail for anyone who doesn't want to setup their own mail server and encryption (and is concerned about security) Because of my IT experience I opted to set up my own email server. It has been an interesting journey. It offers some unique advantages but also some unique problems. ...
by Ged
Sun Jun 28, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Has Amazon ever called you to verify a purchase?
Replies: 28
Views: 2406

Re: Has Amazon ever called you to verify a purchase?

No. Amazon has never initiated a conversation of that nature with me. I have gotten a call from them but it's always been a return from a conversation I initiated.

And I am a very heavy Amazon user.
by Ged
Sun Jun 21, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit to linking your Brokerage account to your Local Bank account?
Replies: 15
Views: 1281

Re: Any benefit to linking your Brokerage account to your Local Bank account?

I pay my credit cards from my brokerage account cash management function at Fidelity. This sometimes includes my local bank card. When I want to transfer funds to my local bank, say for unusual amounts of cash, I deposit a check written against my brokerage account to my local bank. I do not have a ...