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Re: Humidifiers?

Get a humidity meter no mater which humidifer you get. Something like this: http://www.amazon.com/AcuRite-00611A3-Wireless-Thermometer-Humidity/dp/B001B35APA Set the humidity depending on the outside temperature rough estimates based on google search: 40 degree = 45 humidity 30 degree = 40 humidity ...
by bogleblitz
Mon Dec 15, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 963

Re: Best Boglehead Unlocked Phones

Since you had a Nexus 4, then keep with the Nexus line. Nexus 5 for $350 is very bogleheadish. Nexus 6 is quite expensive $600+ and not recommended right now. I think it will drop in price down to $400 in a few months. Motorola E,G,X are all good choices as well. My family and I all have iphones, ip...
by bogleblitz
Sat Dec 13, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Best Boglehead Unlocked Phones
Replies: 9
Views: 1526

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

indexfundfan wrote:These are the same prices that Vanguard is offering to its Flagship clients. Is this a pricing error?


the link is for affiliate customers (flagship clients, new customers, etc). if you go to turbotax.com without clicking the link in the OP, you will see normal prices.
by bogleblitz
Sun Dec 07, 2014 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 3883

Re: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99

found this deal from another website. I bought premier downloaded version.
by bogleblitz
Sun Dec 07, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit TurboTax 2014 Basic/Deluxe $0, Premier $9.99
Replies: 49
Views: 3883

Re: Back-up Drive - Local or Cloud? Which?

I'm local.

I did want to use google drive but it takes forever to upload my 20gb pictures. I'll be fully online cloud soon.
by bogleblitz
Mon Nov 24, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 2856

Re: Daycare payments - a way to get further discount?

Good Luck (and $2,500 per month for two sounds like you might be better served with a nanny, just sayin') 2,500 is a good deal for 2. At first I thought $2500 for 1 as I've seen brighthorizon.com charges that much. I rather my kids go to a daycare center and play with other kids than stay at home w...
by bogleblitz
Fri Nov 21, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Re: Send text messages from PC to Cell Phone

Sunny Sarkar wrote:
jebmke wrote:Google Voice

+1



+2

https://www.google.com/voice
by bogleblitz
Fri Nov 21, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3107

Re: Humidifier: How much condensation is too much?

It seems alot of people in this thread are confused about what type of humidifier the OP has and don't understand what the "Auto" mode is. The humidifier knows exactly what the temperature it is outside so it doesn't matter if it is too cold outside and it doesn't matter where the OP lives...
by bogleblitz
Fri Nov 21, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2451

Re: Daycare payments - a way to get further discount?

If you want the most discount, get the 2% back one from citibank. here is the thread http://www.bogleheads.org/forum/viewtopic.php?f=2&t=145785 If you want free credit score every month, you can use creditkarma.com or mint.com Yes, paying off every month will improve your wifes credit score in t...
by bogleblitz
Fri Nov 21, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 11
Views: 1569

Re: My grown up Christmas wish-A Warm House

I had a thought of using a space heater in the basement to allow the heat to "trickle up" through the first and second floors. I know this is probably not very efficient, but has anyone tried this or have any opinions on whether it would work? Any other ideas? space heater is good for the...
by bogleblitz
Fri Nov 21, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 3252

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home add...
by bogleblitz
Fri Nov 14, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1142

Re: Electricity costs going up

I also live in MA and use National grid. I have tried to switch to other 3rd party suppliers/distributors in the past. My experience were not good with other suppliers/distributors. When issues occur, I had to call both National grid and the 3rd party supplier/distributor. I was stuck in a 2 year co...
by bogleblitz
Thu Nov 06, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3686

Re: made it through volatile October , hope to stay the cour

I'm disappointed that it didn't drop more and stayed there longer. I learned I can tolerate a 10% drop which means I make nothing for year 2014.

I can probably handle another 30% drop which means I made nothing for 2012-2013.
by bogleblitz
Wed Nov 05, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 18
Views: 1182

Re: What do you set your thermostat to (in F)?

I used to keep it less than 70 and feel a bit cold.

I'm a landlord and see all my tenants turn it up to 75. So I try to keep it above 70 this year.
by bogleblitz
Tue Nov 04, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4618

Re: Viewing forum on iPhone - font too small

Reading this on iPhone 6 landscape. Using pinch zoom most of the time. Works ok
by bogleblitz
Sat Oct 25, 2014 12:02 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 2226

Re: Mr. Market turns on Amazon

as of right now, amazon has a P/E of 822.97. Is that correct? How can it be that high when the average is 15.

Does that mean amazon stock can drop 98% to get to a P/E ratio of 15?
by bogleblitz
Thu Oct 23, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4510

Re: Credit Score Question

buying home and auto insurance requires good credit score for the best rate.
by bogleblitz
Thu Oct 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question
Replies: 6
Views: 433

Re: Fraud charges on CC again...

Chase calls, text, and emails me when there was a fraud. Did they call you or you found out yourself?

Get the new credit card with EMV chip in it, it is much harder to duplicate. So it is safer.

https://www.chase.com/credit-cards/smart-chip-faq
by bogleblitz
Thu Oct 16, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1608

Re: U.S. stocks in freefall

My YTD porfolio is very close to 0% Oct 13th. i made nothing and lost nothing for 10 months.

75% stock/ 25% bond
66% US / 33% International
by bogleblitz
Mon Oct 13, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1061
Views: 187333

Re: Anyone buy inverse ETFs during a correction or crash?

sadly, i bought these before I became a boglehead, recommended from a friend of a friend. I held them for more than a day, sometimes weeks not knowing it should be less than 1 day. Heads, you lose. tails you lose. I still don't understand how one can win in this game. I would stay far far away from ...
by bogleblitz
Mon Oct 13, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone buy inverse ETFs during a correction or crash?
Replies: 13
Views: 1002

Re: The more I research, the more confused I become... help!

Vanguard 2035, fidelity, or t Rowe 2035 are all good. Just pick one.

People on this forum prefer vanguard more.

Your asking if one should buy a Toyota, Honda, or Nissan car. They are all good.
by bogleblitz
Wed Oct 08, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: The more I research, the more confused I become... help!
Replies: 15
Views: 1563

Re: Anyone ever get a roundtrip violation [at Fidelity]?

Yes I did get a letter. It was when I just started being boglehead and moved my money around too much.
by bogleblitz
Wed Oct 08, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2153

Re: Chase and security

I have 2 chase cards and I'm pretty happy with their service. I feel pretty safe and I'm not doing anything.

In the past, I had chase called me with suspicious charges and called about replacing my card completely. I'm sure they will call me again if something needs to be done.
by bogleblitz
Sun Oct 05, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase and security
Replies: 3
Views: 599

Re: Those under 35 with a child 5 or under: Costs of child?

I am very fortunate and lucky to have grandparents from both sides helping out with childcare for the first 3 years while we both worked.

sadly I'm over 35 and don't belong to this thread.
by bogleblitz
Fri Oct 03, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4719

Re: Investment Property

I go by the 10% rule. so a $329k house should get $3,290 in monthly rent. I did own a $330k townhouse and collected $2000 rent for 3 years during 2008 because I couldn't sell it. Sold it in 2011. I think I did well those 3 years but I'm making more money now collecting rent from a multifamily house ...
by bogleblitz
Fri Sep 19, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 859

Re: When do you have too many credit cards?

Keep them, it helps credit score. Especially the older the card the better it helps the credit score. Cards signed up 20 years ago help credit score meaning you have 20 years of history on that card and no late/defaults = good credits. Signing up a new card reduces credit score because now you have ...
by bogleblitz
Mon Sep 08, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1417

Re: Why does the stock market "always go up"? Will this pers

Thanks for the responses everyone. In this example, excluding inflation, wouldn't a company's stock price stay the same if it was making a profit of 10% a year? My intuition says that perpetual growth isn't sustainable, that eventually, we'd hit a "cap". So I'm still a noob here - what is...
by bogleblitz
Mon Sep 08, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 3970

Re: Why does the stock market "always go up"? Will this pers

Think if the entire stock market is made up of 1 company, Mcdonalds. In this imaginary world, you can only eat at home, eat at local own restaurants, or Mcdonalds. So as long as Mcdonalds is able to make a profit of 10% of year, then stock investors also make 10% a year. You can then expand the enti...
by bogleblitz
Mon Sep 08, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 3970

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

Great article. What's even better is in the comments section of the article. Sylvia Flores, the person who went backrupted, is responding to alot of comments.
by bogleblitz
Fri Sep 05, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9646

Re: Do I need bonds?

Yes, you need bonds.

I'm 37, have a family, and rental properties just like you. I'm more conservative.

As a diversified investor, everyone should own a bit of cash, bonds, real estate, stocks.
by bogleblitz
Wed Sep 03, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 3121

Re: Did you reveal to your kids...your savings and salary

Nope. Not only do I not reveal it, my wife doesn't know my salary and savings.

My wife has a rough idea but she doesn't care. She knows we have enough and live below our means. I'll teach that to my kids.
by bogleblitz
Tue Sep 02, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7325

Re: Cell phone plan on cruise - direct experience?

I went on a cruise twice and didn't even know there was a cell phone plan.

I thought cell phones don't work in the middle of the ocean.

I paid to use their computers but it was super slow and super expensive.
by bogleblitz
Wed Aug 27, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 454

Re: Hit a financial milestone at an age milestone

Congrats. I'm only 37 but have a similar estimate milestone as OP.

For the 200k income for my family, roughly

66k taxes
66k spent
66k saved
by bogleblitz
Wed Aug 27, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5236

Re: Want to buy a used Mini Cooper-> Talk me into it?

what I'm looking for is reliability, good gas milage, and low cost of ownership. Talk me into buying a Mini Cooper :P I used to own a mini cooper, great car. I recommend buying it. reliability, mazda 3 or civic is more reliable. good gas milage, Yes it is. so is the mazda 3 or civic. low cost of ow...
by bogleblitz
Wed Aug 20, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 25
Views: 2000

Re: How the rich stay/get richer??

Yes this is true.

Then by the 3rd and 4th generation, the grandchildren and great grandchildren will tap the principal and spend it all.
by bogleblitz
Tue Aug 19, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5200

Re: Tracking Credit Score

Credit karma https://www.creditkarma.com gives free credit and monthly monitoring.
by bogleblitz
Thu Jul 31, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1308

Re: Anyone here flip houses?

#1 most important: You have to have a passion for it. already mentioned in previous post but if you don't have passion, don't do it!! Me personally, I hate it and was sorta forced into from parents/spouse. I hate fixing walls, ceilings, floors, kitchens, plumbing etc. I hate calling contractors to d...
by bogleblitz
Mon Jul 14, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 5019

Re: How are you doing through the first half of 2014?

75% stock / 25% bond

5.64% YTD according to personalcapital.com
by bogleblitz
Sat Jul 05, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 10263

Re: The Millionaire Next Door: Are You One?

Yes, according to the book Milllionaire next door, I'm a PAW (Prodigious Accumulators of Wealth).

I drive a Camry and could afford other cars in cash.
by bogleblitz
Sun Jun 29, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 24167

Re: YNAB on sale $15

I saw steam so is this a video game?

I just went to steam and see it for $45. did i miss it? Sounds expensive for a budget program.
by bogleblitz
Thu Jun 26, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: YNAB on sale $15
Replies: 8
Views: 1786

Re: Keeping mold out of bath/shower

I think the OP is the owner/landlord. Not a renter.

Is there a bathroom vent fan? I recommend installing an automatic sensing bathroom vent fan. All the newly build apartments in my area has this installed. I think it's pretty cool.
by bogleblitz
Wed Jun 25, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3243

Re: Why buy a car with cash?

if it is 0% then it is a good deal. But most of what I see, it is usually high percentage for car loans. The debate is the same as should I pay off my mortgage early. I find both ways a tie. One wins if stock market goes up with car cash money. One loses if stock market goes down during the 3-5 year...
by bogleblitz
Mon Jun 23, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6520

Re: Is it foolish to attempt to time the housing market?

I have the 100k. Are you saying I should buy right now? Yes but now. Housing is high but I think it will keep going up as long as Mortgage rates are 3-4%. I feel that house prices will stablize once mortage reaches 5-6% which doesn't seem like it will happen this or next year. Also look at prices i...
by bogleblitz
Mon Jun 23, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1661

Re: Is it foolish to attempt to time the housing market?

I live near boston and make same salary as you. We should be able to afford a 500k house with 20% down payment which is 100k.
Save 100k and buy a house now.
by bogleblitz
Mon Jun 23, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1661

Re: Anyone here use Personal Capital?

To fix non ticker symbols by yourself in Personal Capital, I used this method:

https://support.personalcapital.com/hc/ ... /201170020

Then replace with a similar real ticker symbol. I use Vangard TR 2040 VFORX which is similar to my non ticker 2030.
by bogleblitz
Mon Jun 23, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 7279

Re: Anyone here use Personal Capital?

I use it and I use mint.com as well. The first thing I did when I signed up was say "Please don't call me". I never got a call from anyone which was great. The investment part is great compared to mint. So I use Personal Capital for investments only. I use Mint for Banks and credit cards o...
by bogleblitz
Sun Jun 22, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 7279

Re: Cost of car compared to Gross Income

The last thing the median earning household should do with their $51,000 income is buy the median priced $30,000 car after taxes. This is exactly my situation right out of college at 21 years old. My salary was around 48k and I bought a 30k Acura TL. Took a 20k loan, 600 monthly payments. I have no...
by bogleblitz
Fri Jun 20, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4891

Re: synthetic motor oil?

yes, it is worth it. Use what is recommended my the owner manual.

Synthetic motor oil should be changed between 75,000-150,000 miles.

so it last 2 to 3 times longer than regular oil.
by bogleblitz
Fri Jun 20, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1245

Re: flipping real estate infomercial work?

I heard these seminars teach about using hard money lenders where you can borrow money regardless of your credit. It is higher interest rate. Anyone ever use hard money lenders? I'm surprise the government or FTC haven't shut down these real estate infomercial. I understand flipping real estate can ...
by bogleblitz
Fri Jun 20, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1691

flipping real estate infomercial work?

I probably know the answer that it doesn't work. But I seen alot of new flipping informercials show up now at late night. Ones like the hosts from flipping vegas or flip this house. I've seen these real estate informercials from 20 years ago by someone like Carleton Sheets and [some guy - admin Lady...
by bogleblitz
Fri Jun 20, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1691
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