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Re: New appliances - Stainless Steel or not?

I can't give a general answer, we don't have any stainless steel appliances, but I will say that our experience is that some of our stainless steel things have been a whole lot more "stainless" than others. There is a wide variety of alloys called "stainless steel." You might tr...
by an_asker
Tue Oct 28, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2495

Re: Feeling rich to feeling poor overnight

HomerJ wrote:[...]Heh, the box my TV came in is bigger than room she used to have. :) (okay not really)

Hmm ... I think I've seen TVs as big as yours. No, I don't think I would buy one without seriously denting my budget. And it might not fit in my house anyway (ok, not really) ;-)
by an_asker
Mon Oct 27, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10575

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10575

Re: Another PPO vs HDHP thread - enrollment closing...

[...] PPO: medical expenses excluding prescription drugs: $1000 deductible, then 20% copay on all expenses, out of pocket max is $6000. prescriptions: no deductible, 20% copay on all prescriptions, separate out of pocket max is $6000. premium: $140 every 2 weeks HDHP: medical expenses: $4000 deduct...
by an_asker
Mon Oct 27, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1259

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by an_asker
Mon Oct 27, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6075

Re: How often do you change your car's oil?

VictoriaF wrote:
DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....


I nominate "How often do you wash your coffee mug?" for the next thread.

Victoria

How about never, since I don't* drink coffee? ;-)

* - on a regular basis
by an_asker
Mon Oct 27, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6075

Re: How often do you change your car's oil?

DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....

How many Bogleheads does it take to rotate a car tire?
None - the tires rotate by themselves when Bogleheads drive ;-)
by an_asker
Mon Oct 27, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6075

Re: How often do you change your car's oil?

livesoft wrote:How about continually? I just add some oil every couple of years when I see enough has leaked out.

How many miles on your antique? ;-)
by an_asker
Mon Oct 27, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6075

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10575

Re: Phone for Europe trip

My spouse simply bought a phone + SIM card + minutes in a kiosk on location for about 30 euros. Wow! That was quick. This is just a booth anywhere at an international airport, or in town? How many minutes did the cards have on it? Did the phone have any use after the trip, i.e., does it work in the...
by an_asker
Thu Oct 23, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1450

Phone for Europe trip

Need advice on buying an inexpensive phone for a Europe trip. Let me start off by saying that I have never used a cell phone outside of USA and India (and have not used one that works in both of those countries). Now, I have the following choices before me: - Refurbished Samsung Galaxy smartphone - ...
by an_asker
Thu Oct 23, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1450

Re: IBM: Stock Buybacks Gone Wrong?

TJSI wrote:[...]1) IBM wants to own the cloud. They should look into owning the pipes between the clouds. Buy/build some backbone networks.[...]

Strike quick before Kinder (he of the Enron/Kinder Morgan fame) gets there.
by an_asker
Thu Oct 23, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4059

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Thu Oct 23, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4059

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Wed Oct 22, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4059

Re: Is Roth 401k better even if future tax bracket is lower?

All else being equal, including tax rate today and in the future , if you have the ability to put $17.5k in Roth 401(k) or trad 401(k), the former will likely win. The problem is all else are not equal for most people. I never claimed that all else was equal. For that matter, we could debate until ...
by an_asker
Wed Oct 22, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1947

Re: Is Roth 401k better even if future tax bracket is lower?

If you are somebody who maxes out your 401k and IRA contributions, then another advantage of the Roth 401k is that it allows you to effectively put more in tax-advantaged accounts, since $17,500 of after-tax money is worth more than $17,500 of pre-tax money. In theory a disciplined investor who thi...
by an_asker
Wed Oct 22, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 15
Views: 1947

Re: How do you wash your car?

Where is the optionf for 'my kds wash my car'? OP: This is a very intriguing question for me as my car recently got dive bombed. I was able to get stuff off the front windshield, but the hood and the top and the side are still exhibiting the artwork. :oops: Looks like I need to get the kids motivate...
by an_asker
Tue Oct 21, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6831

Electricity Adaptor for Europe

I am assuming that most electrical items both France and Germany run on 220 V. I need to ensure that I can keep my camera, laptop (if we end up taking it with us), etc charged throughout our journey. Could any of you please point me towards a reasonably priced electricity adaptor for Europe?

Thanks!
by an_asker
Tue Oct 21, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 639

Re: Tell me about Paris

We stayed about 1/2 mile out from the Eiffel Tower. We once had a taxi near the center of Paris refuse to take us back there. I think the prefer shorter hauls. I read this was illegal, but I don't know how to prevent it. PS: The "center of Paris" is actually the center of old Paris where ...
by an_asker
Wed Oct 08, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

Quick Trip Update (I will post this on the Paris thread as well): We have tickets bought - they are now available via Skyscanner for even less than we paid for them - I saw the reference here on Bogleheads too late :oops: We also have airbnb bookings completed; we have not really followed the precis...
by an_asker
Wed Oct 08, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Berlin :-)

I don't know how Kreuzberg stacks up against Prinzlauer Berg? Kreuzberg (the western half, I forget if that is postal code 36 or 38) is supposed to be very gentrified, the eastern half (which would have been smack against the Wall) was I had heard, still very Turkish and a bit run down. Prinzlauer ...
by an_asker
Wed Oct 08, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2340

Tell me about Berlin :-)

We will be visiting Berlin for a couple of days as well in the November/December timeframe. Who all has been there (in the recent past, say since 2000) and what have they enjoyed the most? I am definitely planning to visit the touristy places of historic significance such as the remnants of the Berl...
by an_asker
Mon Oct 06, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 36
Views: 2340

Re: Tell me about Paris

Thanks once more to everyone who has responded. Keep them coming. I bet I've got more here than we can cover in the couple of days we have. But what the heck! There might be someone coming along tomorrow who wants to spend a week there, and can look up all the locations mentioned in this thread.
by an_asker
Fri Oct 03, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

siamond: Thanks for your detailed responses! Hi there. I am French, I lived in the Paris suburbs for my entire youth, and lived in Paris itself for 9 years before moving to the US... Yes, this was 17 years ago, but things don't change that much... So here are a few answers. [...]If you're there for ...
by an_asker
Fri Oct 03, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

We went to Paris in July and stayed in 6th arr. (Rue De Vaugirard/Montparnasse Blvd area). Booked an apartment through AirBnB. Great location, nice apartment. Very safe even at night with family. Communication with the owner was via email and then via phone/text messages when we were traveling in E...
by an_asker
Fri Oct 03, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

If you arriving late at night with kids, you might want to spend your first night out by the airport and then transfer to somewhere more central the next morning. I wouldn't want to take a public bus with kids and luggage anytime - much less late at night when the buses are sure to run less frequen...
by an_asker
Fri Oct 03, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

chaz wrote:Don't miss Notre Dame.

I am not planning to :-)
by an_asker
Wed Oct 01, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

Each host might be slightly different, but here is how it worked for us: Initially we were in contact via email, using the messaging service of AirBnB. It actually would send me text messages to my phone as well as email whenever my host posted a new message on AirBnB. We were able to pay with our ...
by an_asker
Wed Oct 01, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

Just got back from Paris 10 days ago :D We traveled with our 9 month old and rented a very nice apartment in Marais (4 arrondissement) near the Pompidou Center, through AirBnB. It was very close to a metro stop, plus we could walk to the areas near the Lourve, Notre Dame, etc in about 5-15 min. Rea...
by an_asker
Wed Oct 01, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Tell me about Paris

You are looking at places that are kind of out there and it gets a little rough. Clignancourt has the big flea market which you might want to shop but I don't think you'd want to stay there. How about 14th? Are you saying that these are bad enough to not being staying there? I looked at google maps...
by an_asker
Wed Oct 01, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Tell me about Paris

We are considering a trip for a couple of days to Paris* in the November/December timeframe. I've been run off from tripadvisor (OK, not literally but figuratively), so I am here licking my wounds :oops: Here are some questions I have for those who are familiar with the city: - how safe is the city ...
by an_asker
Wed Oct 01, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 3598

Re: Is my husband a spendthrift? Or I a tightwad?

OP here. Just want to say thank you to everyone for the input and advice. Totally ok to pile on. Hearing it different ways helps it sink in. Anyway it will take me a little while to digest but just want to say I appreciate it greatly. I will respond tonight and probably have follow up questions. (A...
by an_asker
Wed Oct 01, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15834

Re: Norwegian Airlines

We flew Norwegian Air twice in 2014. Both times, we did not have any problems. We departed and arrived on time. Be aware that you have to pay for everything once you are on (water and food), so bring snacks if needed. Also, they are somewhat strict about their luggage sizes. Thanks to everyone who ...
by an_asker
Wed Sep 24, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 2041

Re: Dave Ramsey: The Legacy Journey

I thought that someone posted that they did not attend Ramsey's course as they were concerned about being pressurized to destroy their credit cards. I was wondering if destroying credit cards was part of the class. Maybe a small group had a type of confessional in which each person admitted their s...
by an_asker
Wed Sep 24, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5525

Re: Norwegian Airlines

I am seeing very good deals to Europe on Norwegian. As I've never flown them before, upon googling them, it looks like they're a mixed bag based on the reviews.

Have any of you traveled Norwegian? If so, how was the experience?
by an_asker
Wed Sep 24, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 24
Views: 2041

Re: Is this an exception to buying Mortgage Points?

My bank is offering 4.25% fixed 30 year mortgage loan for $225,750. They will reduce my closing costs by $1,128 if I use this option. They are also offering me 4.125% for fixed 30 years if I pay $846. Or they will offer 4.0% for 30 years fixed if I pay $1,800. This isn't technically buying points, ...
by an_asker
Fri Sep 19, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this an exception to buying Mortgage Points?
Replies: 18
Views: 1554

Re: Is this an exception to buying Mortgage Points?

See what is a variable 7/1 . DS used a local broker found on zillow, who only advertised on weekends (too much business to do more). DS put down 25%, no points. He tried his credit union but they were not competitive. July 2014. 2.625% rate. 2.77% Apr. Seattle. 25% marginal income. what does "...
by an_asker
Fri Sep 19, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this an exception to buying Mortgage Points?
Replies: 18
Views: 1554

Re: Florida prepaid college plan. Dumb or undumb?

I bought Florida Prepaid for both of our children. My daughter did not use it, as she went out of state for college, but our son is a senior at UF at present. Bright Futures Scholarship covers about 75 % of the tuition, so the Fl Prepaid after paying the balance of the tuition, one year dorm ....et...
by an_asker
Fri Sep 19, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 15
Views: 1407

Re: Do you plan trips on your own or use a [travel agent]?

1) They probably do. 2) Some of them might. 3) We have historically planned our trips by ourselves. The only times I can remember using a travel agent, ironically, was for the two cruises we have taken. Ironic because a cruise is where there is not really much to plan, as they are all inclusive dea...
by an_asker
Wed Sep 17, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1574

Re: Do you plan trips on your own or use a [travel agent]?

Good travel agents used to be indispensable. Now they are practically non-existent. Sadly, the on-line tools have not yet caught up to what the good agents used to be able to do. Sorry to go off-topic, but I agree. There is only so much trip chaining and kid-swapping between vacation-days-challenge...
by an_asker
Wed Sep 17, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1574

Re: Do you plan trips on your own or use a [travel agent]?

So I've decided to visit London UK next summer (feel free to flood me with tips) and I'm beginning researching. I don't have any personal ta so I went to the local liberty travel agent. While the agent is very nice, we don't seemed to be meshing. basically I told her what type of hotels I like and ...
by an_asker
Wed Sep 17, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Do you plan trips on your own or use a [travel agent]?
Replies: 36
Views: 1574

Re: Dave Ramsey: The Legacy Journey

[deleted]
by an_asker
Wed Sep 17, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5525

Re: Angry when stock market is down

Does anyone else get angry/edgy/cranky on days where the stock market is down? In the last couple of days, I find little things "set me off". But maybe it could also be other factors in my life. For instance, it's annoying to see REITs down 1.8% today. I won't sell, but I'm just annoyed. ...
by an_asker
Fri Sep 12, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4219

How is the FL property tax cap (Save Our Homes) applied?

I noticed what appears to be a discrepancy, but it is probably just my misunderstanding. The question is: how is the Save Our Homes property tax cap applied to homesteaded vs. non-homesteaded properties. For those who are unaware, FL caps year-over-year increases to assessed values to 3% for homeste...
by an_asker
Fri Sep 12, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is the FL property tax cap (Save Our Homes) applied?
Replies: 0
Views: 150

Re: Rental rate of return

kksmom/swaption:

Thanks! I think I've finally got it. I also googled and found this nice post. The comments are a fun read (for later; there are too many of them ;-)
by an_asker
Fri Sep 12, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1487

Re: Rental rate of return

I tell you, there is a Boglehead joke in here somewhere. Something like "How would a Boglehead value a company? He would give you a long speech about how it is waste of time and then recommend you read a book." In this case the annual cash flows are -$18,600, -$17,800, -$16,000, -$15,200,...
by an_asker
Fri Sep 12, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1487

Re: Rental rate of return

I tell you, there is a Boglehead joke in here somewhere. Something like "How would a Boglehead value a company? He would give you a long speech about how it is waste of time and then recommend you read a book." In this case the annual cash flows are -$18,600, -$17,800, -$16,000, -$15,200,...
by an_asker
Fri Sep 12, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1487

Rental rate of return

This has probably been asked here before; if so, please accept my apologies but humor me anyway! Let's say I have a rental property that I bought for $100,000. Each year, I pay off $20,000 in principal plus interest and taxes etc. So, here are the figures: Year 1: principal payment = $20,000; intere...
by an_asker
Thu Sep 11, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental rate of return
Replies: 17
Views: 1487

Re: POLL: Has a financial firm made a mistake with your mone

I had bought some sweets at a local store. The transaction was for $11.00 or something like that. Imagine my surprise when I logged into Schwab and saw that my account had been debited by $1100! I called them immediately; they said that it would take a couple of days to fix the issue and it did get ...
by an_asker
Mon Sep 08, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2769

Re: DIY Index Fund

On a personal note there are about 50-75 stocks I would like to own more of, at this point however, I just don't have enough cash to take the appropriate positions in them. Why not? How much cash do you think it takes? Trading costs have come down dramatically, so that shouldn't be a factor. If you...
by an_asker
Fri Sep 05, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 25
Views: 2464
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