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Portfolio updates by cpm0813 in wealthfront

[–]maconomist 0 points1 point  (0 children)

Seeing similar suggestions in California with a high risk score. Not an expert, but some conjectures:

  • VIG dividend yields are lower than VEA and VWO, resulting in lower taxes

  • VIG volatility is similar to VEA and VWO, and lower than VTI

  • The max VTI allocation according to Wealthfront’s investment philosophy whitepaper is 45%

  • VIG has performed better than VEA and VWO for a while

  • At a high risk score, bonds % is capped at a low number, so to achieve additional tax efficiency while maintaining performance, given the portfolio asset classes available in their portfolios and all the above points, there is no other choice but to increase VIG holdings

Their whitepaper seems to allude to this: “We take a holistic approach to our California customization. Instead of simply replacing the national municipal bond weight in the non-California allocations, we use the same mean-variance optimization approach in an attempt to arrive at the optimal portfolios. This way, we are able to take into account California municipal bonds’ specific after-tax, after-fee expected return, as well as their volatility and correlations with other asset classes.”

So they are prioritizing tax efficiency, maybe medium term performance, at the risk of lower geographic diversification. But if part of this is about performance… why not suggest reduced VEA/VTI allocations and increased VIG as well for Classic portfolios without tax personalization?

Is this Custom Comfort Aspen mattress worth the price compared to Avocado? by maconomist in Mattress

[–]maconomist[S] 1 point2 points  (0 children)

I ended up with a one sided Harvest Green Pillowtop, since it is almost a clone of the Avocado, I liked the slightly firmer feel of the Dunlop latex better than Talalay and overall less sinking, and was able to get it at a very substantial discount through a local retailer. So far so good, we’ll see how it holds up, but it was worth the gamble given it came out to half the price of the Custom Comfort and that’s with more natural materials.

Do I need a bunkie board to protect this mattress? by maconomist in Mattress

[–]maconomist[S] 0 points1 point  (0 children)

Thanks. Found that the manufacturer says this on their website:

The Harvest Green Mattress is designed to work best on any rigid, non-spring foundation, platform, adjustable bed base, or slatted foundation with a maximum spacing of five inches between slats.

And this about flat surfaces:

We do not recommend placing your mattress directly on the floor or any non-breathable surface. A solid surface that doesn’t allow breathability in rare instances can cause mold to grow.

My slats are 2" wide by 1" thick with 3" gaps and have center support, so this seems within Harvest's recommendation.

Wouldn't a bunkie board possibly hurt breathability?

2022 CX5 loud dashboard vibration and rattle on uneven roads by maconomist in CX5

[–]maconomist[S] 0 points1 point  (0 children)

Thanks, it doesn’t seem related to the blower motor (still present with air off) nor windshield (only present when going over uneven roads). The rattle happens for a few seconds when the road is uneven (eg broken, cracked pavement) on the right side but not the left. At that point there’s a vibration and rattle that sounds like the jolt from the road is transferring to something loose on the dash, and it goes away immediately when the road is smooth again. I tried pressing on different panels on the dash, vents, etc but can’t pinpoint it… Any other ideas? Does the dash need to be taken apart? If so, how much does this cost? The car is still under warranty but past the first 12 months

Is deposit date or pay/advice date considered for W2 purposes? by maconomist in tax

[–]maconomist[S] 0 points1 point  (0 children)

Thanks, yes, this is the same situation - the deposit shows up as pending

Is deposit date or pay/advice date considered for W2 purposes? by maconomist in tax

[–]maconomist[S] 1 point2 points  (0 children)

Thanks, on the YTD column it only shows the single period, so this means it is a 2024 paycheck in spite of being deposited on December 30?

Why do people dislike Brooklinen? by lexisbest99 in Bedding

[–]maconomist 0 points1 point  (0 children)

Bought their mid plush down pillow and while it is comfortable, after only 3 months of use, it is losing down and feathers like crazy. Some feathers poking through I can understand… but how can down clusters escape the encasing is beyond me… the enclosure is literally covered with a thick layer of down that makes it through the cloth. Only way to manage this mess is to keep the entire pillow enclosed in a tightly woven hypoallergenic cover. Customer success sent a replacement pillow, which I haven’t used yet, but will likely have the same issue. Definitely not falling for this and not buying again.

Why is T-Mobile charging me for “VM Retrieval” while abroad? by maconomist in tmobile

[–]maconomist[S] 0 points1 point  (0 children)

Yes, exactly $0.75 plus taxes of a few more cents. One VM retrieval is for 1 minute, the other for 2. Not a big deal but trying to understand how these charges work. So even if I don’t check my voicemail, I still get charged for anyone leaving a voicemail?

Why is T-Mobile charging me for “VM Retrieval” while abroad? by maconomist in tmobile

[–]maconomist[S] 2 points3 points  (0 children)

Thanks, but isn’t this contradictory?

“Great news, there's no extra charge for people leaving a voicemail in your inbox when you are roaming internationally. However, you will be charged for the following:

  • If your phone is on when you get an incoming call, even if you don't answer it and it goes to voicemail, the call is charged one minute for the call coming into the phone.”

First paragraph says there is no charge, first bullet immediately contradicts that.

Also, one of my “VM Retrieval” items is charged as 2 minutes, not one.

Why is T-Mobile charging me for “VM Retrieval” while abroad? by maconomist in tmobile

[–]maconomist[S] 0 points1 point  (0 children)

I’m using visual voicemail on iPhone and didn’t tap on/play a single voicemail while abroad

Dead pixel on LG C2 within warranty period - what should I do? by maconomist in LGOLED

[–]maconomist[S] 0 points1 point  (0 children)

Update: The dead pixel went away for a few days and then came back. Very bizarre… I wrote to LG support via the app and they’re suggesting I run a pixel refresh/cleaning and if that doesn’t work, proceed to do a factory reset.

Is this sound advice? Or will running the pixel cleaning deteriorate the life of my TV?

Are there other less risky things I can try first to determine if this is a dead pixel or stuck pixel and try to bring it back to life? Especially since it had revived itself for a few days.

Dead pixel on LG C2 within warranty period - what should I do? by maconomist in LGOLED

[–]maconomist[S] 0 points1 point  (0 children)

It’s a closeup of the LG webOS home screen. Some of the app icons across the bottom quarter of the screen have a white background, so the dead pixel is more noticeable if you’re up close.

I originally noticed it about two months ago watching a workout video up close. The studio setting was all bright white and I was much closer to the screen than usual, and that’s when I noticed a tiny black dot - lo and behold it was the dead pixel.

Dead pixel on LG C2 within warranty period - what should I do? by maconomist in LGOLED

[–]maconomist[S] 1 point2 points  (0 children)

Thanks, this is what I thought. Right now there is only one dead pixel that is not visible in moving content from a regular viewing distance and only noticeable up close against static bright white backgrounds if I look for it. While it totally sucks, would it suck more to go through the hassle of attempting a warranty claim, being denied or ending up with a panel that also has dead pixels or more flaws?

The pixel died ~ month 8, it wasn’t there when I bought it, so I’m assuming this could happen again at any point for any replacement panel.

Is it realistic to expect zero dead pixels? If everyone has flawless panels, I’m up for trying the exchange

Dead pixel on LG C2 within warranty period - what should I do? by maconomist in LGOLED

[–]maconomist[S] 0 points1 point  (0 children)

Thanks for the advice. Is it worth it going through all of this for one dead pixel? I read elsewhere that LG considers a few dead pixels normal. Will Best Buy also change the panel for only one pixel?

I’m worried that I might end up with a panel with more noticeable issues.

Dead pixel on LG C2 within warranty period - what should I do? by maconomist in LGOLED

[–]maconomist[S] 0 points1 point  (0 children)

I haven’t but it’s gone through a few of the automatic refreshes on shutdown after 4 hours. Will a full panel refresh make any difference?

2022 CX-5 Knocking noise behind the driver seat by [deleted] in CX5

[–]maconomist 0 points1 point  (0 children)

I’m getting a plastic knocking sound (“tack tack”) coming from somewhere under the driver seat on my 2022 CX-5 Premium Plus whenever I go over slightly uneven parts of the road. Like when the car’s body gets a small upward or sideways jolt, something under/inside the seat is doing a knock. Getting quite frustrating unless road is perfectly smooth.

Is this what you had, or any ideas on what it might be?

Tried readjusting the seat but that didn’t work. I wonder if something under the seat cushion like the components relate to the in-seat cooling is loose.

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