Search found 353 matches

Return to advanced search

Re: Google Voice Not Supported on OBi Devices After May 15 2

Personally I think the privacy concern is overblown even when using hangouts or GV. Google will use the meta data for its own purposes, at the end they are a business. But they are not interested in you as a person, at the end it is around better add targeting and using large data to predict things ...
by German Expat
Tue Apr 22, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2949

Re: Google Voice Not Supported on OBi Devices After May 15 2

Just login to GV and then go to settings (the gear box on the right upper side) then go to phones and turn google chat on with your hangout (email) id. It will ring then on your obi and on your laptop (assuming you have hangouts running). Personally I still prefer a phone to a laptop or pc that has ...
by German Expat
Fri Apr 18, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2949

Re: Google Voice Not Supported on OBi Devices After May 15 2

We have quite some international calls though and the rates are about the same for GV vs. voip.ms So it will become impossible to make outgoing calls through GV, is that right? So I won't be able to use GV for outgoing international calls, right? I'll have to get a refund of my GV balance. Is there...
by German Expat
Fri Apr 18, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2949

Re: Google Voice Not Supported on OBi Devices After May 15 2

I added voip.ms as a 2nd provider and will ride google voice to its end on my obi. Afterwards will still keep my main number on GV and just forward it to the new number on voip.ms It is not free but cheap enough. We are not using our land line too much so per minute costs don't play a huge role. We ...
by German Expat
Thu Apr 17, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2949

Re: suggestion for awd luxury sedan

Which area of the country do you live in? I have a BMW 535xi in Colorado and it works great and had no break downs. I think reliability is a bit overblown because a lot of the break downs could be smaller issues and not strand you on the side of the road. With so many motors and electronics in moder...
by German Expat
Mon Apr 14, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3490

Re: HD video projector vs. multiple monitors for design?

Just curios about how you build your model and what software you are using? I am using Embarcadero Erstudio for data modeling and the largest model has currently 879 tables with way more then 2226 relationships. I change it quite often while I travel just on the laptop screen. The model would be way...
by German Expat
Sat Mar 22, 2014 7:51 am
 
Forum: Personal Consumer Issues
Topic: HD video projector vs. multiple monitors for design?
Replies: 27
Views: 1645

Re: Drive to CO Skiing in 2WD Minivan?

I would be more worried about quality tires. Dedicated snow's on a 2WD will beat a 4WD in almost any situation but especially when breaking. If it is one of the real heavy snow days I would just not drive even with a 4WD. 2 years ago I did beach my 4WD BMW in front of the garage with all 4 wheels sp...
by German Expat
Sun Feb 09, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Drive to CO Skiing in 2WD Minivan?
Replies: 29
Views: 1873

Re: Color Laser Printer Recommendations?

Also using a brother and quite happy with it. It does have scanning and copying though. I do use the copy once in a while and the scanner is decent enough for casual use. I doubt it added much to the price of the machine and up to now did not make it break more often. I really like the duplex featur...
by German Expat
Sat Jan 18, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Color Laser Printer Recommendations?
Replies: 21
Views: 1525

Re: Potentially moving to Europe for 5-10 years

One more thing. It was not clear if you were a US citizen or not. If not then the estate taxes on non-resident aliens are VERY high so if you get hit by a bus over there and still have accounts in the US then they might be subject to that. Sorry, forgot to mention that above, me and my son are Germ...
by German Expat
Mon Jan 13, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potentially moving to Europe for 5-10 years
Replies: 11
Views: 906

Re: Potentially moving to Europe for 5-10 years

Good point on the mailing address, will look into this and ask a friend to keep one. I already figured out state tax is a problem in Colorado because we would need to file if we keep a drivers license or any other tie. Before transferring out of the country I plan to move back to Tennessee to avoid ...
by German Expat
Mon Jan 13, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potentially moving to Europe for 5-10 years
Replies: 11
Views: 906

Re: Potentially moving to Europe for 5-10 years

Thanks for the replies. I have also a German passport but for practical purposes this won't make a difference since they will treat me as Facta / American anyway. There is a case on a different (Swiss) forum where a 86 year old was born in the US but never lived there except his first 2 years and no...
by German Expat
Mon Jan 13, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potentially moving to Europe for 5-10 years
Replies: 11
Views: 906

Potentially moving to Europe for 5-10 years

We are currently considering moving to Switzerland this summer. We would move for 5-10 years but then plan to come back to the US. With Facta in place it will be quite hard to invest in Switzerland since we will have a hard enough time just to get a checking account. Now to my questions and I apprec...
by German Expat
Sun Jan 12, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Potentially moving to Europe for 5-10 years
Replies: 11
Views: 906

Re: Partially Invest Emergency Fund?

I would not mingle the funds into 1 account until you are married. You can still run 2 separate accounts but treat them like one larger emergency fund. You state fiance in your post and then later on spouse?
by German Expat
Mon Jan 06, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Partially Invest Emergency Fund?
Replies: 19
Views: 1114

Re: best way to hide your personal information on work lapto

I travel a lot and like to have (some) personal files with me. I put them on a USB stick rather then storing them on the company laptop.
by German Expat
Mon Jan 06, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 3615

Re: Car Dilemma

We have a front wheel drive CRV (2006) and I prefer it to my all wheel drive BMW on really snowy days because of the ground clearance. We are in Colorado so there can be a lot of snow. I have dedicated snow tires for it though. We bought it new in 2005 because 3 year old cars were not that much chea...
by German Expat
Thu Dec 26, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1702

Re: Grilling: Propane, natural gas, and electric?

We had an outside gas line at our last house and bought a Weber grill at Lowes suitable for it. Most Weber grills come in both variants but stores don't carry them usually in the natural gas variety or they might not discount them as much. After we moved our current house had no line, I got it quote...
by German Expat
Thu Dec 26, 2013 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 51
Views: 2900

Re: Best way to have PMI taken off?

You could also consider a refinance with e.g. a 5/5 Penfed ARM if you plan to sell in 5-7 anyway. Most closing costs are covered, the interest rate is probably lower and they will get a new appraisal which might bring you above the 80%.
by German Expat
Fri Dec 20, 2013 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to have PMI taken off?
Replies: 29
Views: 1420

Re: Best way to have PMI taken off?

Even if the assessment won't help I would pay the 25k down. Saving 1800$ per year is a 7.2% return on this alone and this doesn't even consider the saved interest on your mortgage. You can always spend the 400$ and see how much less then you have to pay but even if it stays the same value I would st...
by German Expat
Thu Dec 19, 2013 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to have PMI taken off?
Replies: 29
Views: 1420

Re: Denver Meetup for Feb 2014 (please respond)

Hi Jonathan,

thanks for organizing it. I just replied with some possible dates.
by German Expat
Thu Dec 19, 2013 7:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Denver Meetup for Feb 2014 (please respond)
Replies: 9
Views: 811

Re: Traveling Wifi ?

My wife is thrilled with her Nook HD+ and took it to work to show her co-workers. The realization hit her that she had no internet connection in her office Are you saying that.. a) There is literally no internet connection at the office at all (wired OR wifi). b) There is no wifi at her office, so ...
by German Expat
Sat Dec 14, 2013 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Traveling Wifi ?
Replies: 31
Views: 2406

Re: E-Book subscriptions ?

I have a Kindle reader, Kindle HDX and Ipad. For reading a very much prefer my Kindle Paperwhite, it is just much easier on the eyes and the battery lasts a long time. I sometimes keep reading a book though on the Iphone or Ipad if this is what I have around. You can get a lot of free books on Amazo...
by German Expat
Mon Dec 09, 2013 10:06 pm
 
Forum: Personal Consumer Issues
Topic: E-Book subscriptions ?
Replies: 18
Views: 666

Re: Car seat for toddler

Another vote for the Britax Marathon, look for coupon codes or discontinued colors. We had 3 of them (3 cars) and really liked them. You should first mount them rear facing as long as your child can fit in this way. Much safer. Also make sure you install the top tether for optimal safety when turnin...
by German Expat
Thu Dec 05, 2013 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Car seat for toddler
Replies: 26
Views: 1229

Re: Small business video conferencing suggestions?

Google hangout but buy a decent external camera and better speakers. Works well enough for our purposes. We also have a full blown Tandberg setup in dedicated rooms at a couple key locations but for what you describe this is way too expensive for your needs.
by German Expat
Mon Nov 18, 2013 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Small business video conferencing suggestions?
Replies: 13
Views: 808

Re: Shopping for new mortgage - Recommendations?

I check these lenders before pulling the refi trigger: http://www.amerisave.com/ http://aimloan.com/ http://www.nationalmortgagealliance.com/ https://www.firstib.com/ https://penfed.mortgagewebcenter.com/CheckRates/SearchCriteria.asp?PID=22 No personally info required to get instant online quotes. ...
by German Expat
Fri Nov 15, 2013 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shopping for new mortgage - Recommendations?
Replies: 18
Views: 1557

Re: clueless about wireless

If you don't want to change carriers the easiest is you buy a wireless Internet router and connect it to your cable modem via Ethernet cable. Most of the wireless routers are pretty straight forward and relative inexpensive. Almost all of the consumer products have some form of simple setup with pre...
by German Expat
Thu Nov 14, 2013 9:48 am
 
Forum: Personal Consumer Issues
Topic: clueless about wireless
Replies: 62
Views: 2822

Re: Attic insulation for new home?

No way you should pay 4800 for just getting insulation blown in. Your friend must have had a lot of other work. Even with sealing all can lights and other things it should be way less.
by German Expat
Tue Nov 12, 2013 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Attic insulation for new home?
Replies: 30
Views: 1613

Re: Attic insulation for new home?

I had R30 and air sealing was not great (house built in 1999). We redid it 3 years ago and I can see a lower energy bill. I got a (free) energy audit done that showed the air loss. The main issue was the air sealing around a lot of light fixtures. I think it is worth it but also depends on what area...
by German Expat
Tue Nov 12, 2013 7:01 am
 
Forum: Personal Consumer Issues
Topic: Attic insulation for new home?
Replies: 30
Views: 1613

Re: Advice on how to get a good car lease deal needed

What state are you in? Some are not lease friendly (e.g. Texas). I would browse various web sites and look for lease deals. The problem with a lease is that you have more moving parts and if you did not buy a car for a while then you really need to understand how a lease works (residual, money facto...
by German Expat
Sun Nov 10, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: Advice on how to get a good car lease deal needed
Replies: 13
Views: 941

Re: Donating a Used TV to Charity

Staples accepts monitors, screens, tvs, and old computers - no matter the age (or at least they did about a year ago). They strip the electronics for the rare metals, copper, etc. from what I understand. You just have to get the TV to them. They don't accept TV's. http://www.staples.com/sbd/cre/mar...
by German Expat
Mon Oct 28, 2013 11:26 am
 
Forum: Personal Consumer Issues
Topic: Donating a Used TV to Charity
Replies: 44
Views: 2719

Re: Where to go in Europe in the Winter?

I would go to Spain (Barcelona)) if museums are not your thing. You have a bit more daylight and the weather is warmer. If you ski then Austria or Switzerland but the cities won't be that much fun with the cold temperatures and no fun going out on the lakes or up the mountains either.
by German Expat
Sat Oct 26, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Where to go in Europe in the Winter?
Replies: 20
Views: 1495

Re: Donating a Used TV to Charity

Posted my old CRT''s on craigslist for people to pick it up for free. Got takers for both TV's but was a couple years ago. I doubt you will find many takers now but worth a try. Our county charges recycling costs.
by German Expat
Sat Oct 26, 2013 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Donating a Used TV to Charity
Replies: 44
Views: 2719

Re: You no longer need a phone (Google Hangouts)

Used it last night on my iPod touch, but, I am pretty sure that the first time I used it there was a notice that said free until 12/31/2013.* Free is also US and Canada, not the world. That's free, but with several limitations. * What I see now under terms is "currently." So in other word...
by German Expat
Sat Oct 19, 2013 12:34 pm
 
Forum: Personal Consumer Issues
Topic: You no longer need a phone (Google Hangouts)
Replies: 13
Views: 1383

Re: Wall Street Journal Subscriptions on Ebay question

Just got it via the WSJ program for students for 99$ (my wife is a Professor and therefore eligible). They used to give it for free to Professors but stopped that a while ago except if they push it to your students. Not sure if we will keep it but trying it now for 1 year.
by German Expat
Wed Oct 09, 2013 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Wall Street Journal Subscriptions on Ebay question
Replies: 18
Views: 2436

Re: New construction Vs older home buy?

I like a 'newer' used home, last house we bought in 2007 was built in 1999. Advantage was that the neighborhood is already established with no new construction noise around us. Also the yard was done and we could check the house for any major issues that should have shown by then. It was and is a so...
by German Expat
Sun Oct 06, 2013 2:03 pm
 
Forum: Personal Consumer Issues
Topic: New construction Vs older home buy?
Replies: 22
Views: 2166

Re: Water bill higher than Electric: Rainwater harvesting?

Is the collection legal in Texas? I know in Colorado you are not allowed to collect rainwater.
by German Expat
Wed Oct 02, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Water bill higher than Electric: Rainwater harvesting?
Replies: 30
Views: 1610

Re: ? Take for sale house off the market to rent

I would not want to be a landlord on a relative expensive house that I want to sell on the long run anyway. You have several issues then to solve, first finding a renter that is willing to pay a market rate, second being lucky with that renter that there is no wear and tear, third when you are ready...
by German Expat
Wed Oct 02, 2013 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: ? Take for sale house off the market to rent
Replies: 10
Views: 938

Age and decision making study. How do you plan for it?

Cognitive function gets worse in age but also financial decision making is getting worse based on this study: http://www.pnas.org/content/early/2013/09/25/1309909110 Here is a short summary: http://www.medicaldaily.com/decision-making-ability-may-decline-age-are-older-adults-less-rational-258504 &qu...
by German Expat
Tue Oct 01, 2013 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Age and decision making study. How do you plan for it?
Replies: 6
Views: 607

Re: Cellphone upgrade

My wife likes to stick with AT&T and therefore we upgrade her phone every 2 years to get the newest iphone subsidized. We use the old ones either as a travel phone (AT&T now unlocks them after the 2 years) or just as another itouch. Not the cheapest choice as others mentioned but because you...
by German Expat
Mon Sep 30, 2013 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Cellphone upgrade
Replies: 5
Views: 505

Re: Do you have flood insurance?

I also do have flood insurance with the maximum limits. I got it years ago because we have a small creek right outside our backyard. I am in Boulder County (on the east of the town though) and a lot of my friends or neighbors had their basements flooded. One friend had his (detached) garage complete...
by German Expat
Thu Sep 26, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have flood insurance?
Replies: 22
Views: 1464

Re: AWD vs FWD

Have 2 AWD BMW's (5 and 3) and a FWD Honda CRV (yes I know but we bought it when we were in TN and didn't see a need at the time). Ground clearance is important and both BMW are not great, point in case last winter I beached my 5 when going out of the driveway on a lot of fresh snow. Managed to get ...
by German Expat
Sun Sep 22, 2013 8:45 pm
 
Forum: Personal Consumer Issues
Topic: AWD vs FWD
Replies: 17
Views: 2067

Re: age 38, early semi-retirement, strategy?

The only thing I would watch out for if you can actually find good part time or seasonal work. A friend of mine tried the early out strategy to follow his dream and had a well thought out budget. The problem was though that he overestimated his abilities to find well enough paying part time gigs. He...
by German Expat
Fri Sep 13, 2013 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: age 38, early semi-retirement, strategy?
Replies: 17
Views: 2936

Re: Car Payment Issues

Have him drive the car to a carmax and get a realistic price from them for free. It will be valid a couple days and gives a realistic idea what the car is worth. You might get more selling private but at least you have a baseline. The main problem is still the difference between this and the car loa...
by German Expat
Mon Sep 09, 2013 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Payment Issues
Replies: 38
Views: 2768

Re: Childcare costs

Our costs went down a lot in the Kindergarten year and then again at 1st grade. We have 1 child. We currently pay 360$ for after school care per month and we use the dependent care account for tax reasons. But in the summer month during school break the costs go back up to around 1200-2000$ dependen...
by German Expat
Wed Sep 04, 2013 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Childcare costs
Replies: 43
Views: 2803

Re: Please check my plan B4 I blow my personal IT budget

Macbook Air is a great machine and a decent value for the money. I like my Kindle Paperwhite better then the ipad for straight reading. Battery life much longer, less expensive and easier on the eyes if you like to read a lot. With the built in light also useful at night when wife wants to sleep and...
by German Expat
Thu Aug 15, 2013 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Please check my plan B4 I blow my personal IT budget
Replies: 21
Views: 1374

Re: Frugal vs. do it yourself

It depends a bit how you value free time. We are both very busy with work and therefore outsource some work. I had problems doing lawn work with a lot of travel a couple years ago (grass got really tall) and started to outsource it. Never looked back. We get our house cleaned biweekly. I do repair o...
by German Expat
Sun Aug 11, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3647

Re: investing 100k with Fidelity--12mo horizon

Go for the highest money market fund you can find. It will still only be in the range of 0.7% to 1% but a bit better to what you have now. Another option is a 1 year CD but they are not really offering a better interest rate. Reward checking accounts do offer more but they require quite a lot of wor...
by German Expat
Sat Aug 10, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing 100k with Fidelity--12mo horizon
Replies: 12
Views: 1328

Re: Tipping

I am not the biggest tipper but not the chintziest either...although earlier this week, I didn't give a tip to the BMW dealership shuttle driver who shuttled my wife and I back to the house after dropping off our car at the dealership for service. I asked my wife (before we got off the shuttle) if ...
by German Expat
Sat Aug 03, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 101
Views: 5350

Re: Tax Deferral Vs Small Value premium -401k issues

What is your current tax bracket and what do you assume your tax bracket to be in retirement ?
by German Expat
Sat Aug 03, 2013 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Tax Deferral Vs Small Value premium -401k issues
Replies: 15
Views: 879

Re: Buy Dealer Warranty on 2006 Toyota Avalon?

Usually not a good deal. I self insure on everything I buy and never buy an extended warranty (cars, tvs, phones etc.). On the long run I am way ahead even with the repairs once in a while (just paid 149$ for a new iphone 5 screen). You will find cases where people made money because they had higher...
by German Expat
Tue Jul 30, 2013 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Buy Dealer Warranty on 2006 Toyota Avalon?
Replies: 11
Views: 3254
Next

Return to advanced search