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Re: IPhone 6 and AT&T Contract Extension

Hi: I am on a AT&T family plan. I placed an order for IPhone 6 on September 12th. This is the first time I have purchased a phone from Apple. I chose to pay $199 for the phone and agree to 2 year contract extension. I was wondering what will happen to my family plan and the associated charges. ...
by boroc7
Wed Sep 17, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1146

Re: BEWARE - Phony IRS call from 202-750-1631

Good post. Yup, I've received two of these calls, and never picked up because I used to live in 202 and didn't know the number. They always left a voice message that is some automaton female telling me her "name" (sounded phony) and that she was with the IRS. Said I needed to call them. I ...
by boroc7
Wed Sep 17, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: BEWARE - Phony IRS call from 202-750-1631
Replies: 16
Views: 1725

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. Agreed. I made <50k until about two years ago, and was able...
by boroc7
Tue Sep 16, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10014

Re: Macbook Air; how much RAM?

It doesn't sound like she will be a heavy user, but if she wants it to last for 5 years or so, I would say a minimum of 8gb. Four doesn't give you a lot of room. On my retina MacBook Pro I went for 8 two years ago, and I totally regret it--should've gotten 16.
by boroc7
Tue Sep 16, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3089

Re: bogleheads - can I scale it back?

I won't comment on the finances much, but I would just say a hearty word of celebration in your new child. Spending time with your child may be the most rewarding thing you will ever experience, so I wholly applaud your decision to cut back if only for what it will allow over the next few years. Fin...
by boroc7
Wed Sep 10, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4274

Re: Poll: Which iPhone 6?

Ford Mustang Shelby GT has 662hp, it can seat 4 people, and gets 24mpg on the freeway. Ferrari 458 has only 570hp, it can only seat 2 people, and gets only 17mpg on the freeway. So yeah, Mustang is better than F458. See my previous reply to cheesepep about how I don't think the car analogy is a sui...
by boroc7
Wed Sep 10, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: Poll: Which iPhone 6?

I'm a big Apple fan and have had every iPhone since the verizon 4, but this new lineup and the Apple Watch look pretty weak. For the first time, I don't see any compelling reason to upgrade, especially since I prefer smaller phones. Maybe next year they'll make a legitimate improvement to the camer...
by boroc7
Wed Sep 10, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: Drawing down a windfall...

How does one find the time to spend all that money? I'm retired, but it still takes time to decide on a painter, plan vacations, go on vacations, decide on remodelling, and shop. And sometimes you just want to lay in bed and do nothing, so that takes time, too. You have people. L. Or a wife:). More...
by boroc7
Sun Sep 07, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4172

Re: Vanguard Lost $50k

Missing 50k? I'd be packing a bag now and taking a drive to 100 Vanguard Drive,Malvern Pa. :happy LOL. me too. Man I'm loving all these folks who have 50K they could care less whether some one else loses it or not. but I'm not a high wage earner so 50K is almost a years salary for me. Yep, I would ...
by boroc7
Sat Sep 06, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: buying a house in france

Thread title could be changed to collect more eyeballs, as in "How to move 6-figure amount of US$ to Euros in France with minimal fees?" +1. On the other hand, it might reduce the eyeballs as well. I was interested in reading about house purchase in France; have no clue how to transfer si...
by boroc7
Sat Sep 06, 2014 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1613

Re: Should I fix a "totaled" car

Glad you walked away in one piece. Thank the little car for doing you that final service-- all those years it served you faithfully, and when the moment came, it did its duty. The final goal of a transportation vehicle is bring its pilot and passengers to safety. Challenger and Columbia, I weep for...
by boroc7
Wed Sep 03, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 2849

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

Anything you tell your young kids soon becomes public knowledge. I never understood other kids who told their parents business to each other. I never talked about my parent's business and work, or any internal family stuff. I always just knew--how, I don't know, but I did. I also never asked or was...
by boroc7
Tue Sep 02, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6900

Re: Getting on Track

hi Boroc, i came to the USA with Volkswagen, but they dont sponsor greencards, so i started working for a supplier since i want to stay ( it will take me 14years till i have citicenship) the taxes here are awesome ! everything here is cheaper except for 1 thing: good quality food! thats why we are ...
by boroc7
Tue Sep 02, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1499

Re: Help out family without compromising my own retirement?

Someone pointed out that cultural values may be in play here, and that’s correct. In the culture where I come from, adult children are expected to take care of elderly parents as well as siblings in need to some extent. Also in my culture you never kick out your family even from your own place, so ...
by boroc7
Mon Sep 01, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 5677

Re: Zwilling Cookware (non-stick)?

What do you cook? That determines my cadre of cookware. I don't care to use any of that kind of nonstick, as stainless works for 80% of what I do. When need to pan fry, my cast iron skillet and carbon wok are the best nonstick tools, and I have no fear of ingesting anything. They are cheap, and they...
by boroc7
Mon Sep 01, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 812

Re: Getting on Track

Sid, welcome to Bogleheads, and I'm glad to hear you are enjoying the U.S. I have several very close friends in Germany and one who just moved here this summer, so yesterday we had good conversation about the differences that are fun to talk about. Just taking a guess, but Volkswagen plant in Ooltew...
by boroc7
Mon Sep 01, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1499

Re: My husband's " WILL", $ left for me to live on....

OP, I sympathize greatly with your situation (to an extent) and I have read the many responses above, many of which are excellent. I have 2 questions for you and only you can answer them. I ask these not out of callousness but rather because they are the ones that are obvious to me as a man who has...
by boroc7
Sat Aug 30, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17410

Re: 2015 Volvo XC-60 vs. Acura RDX

My brother has an RDX, and on driving it numerous times, I can't help but feel it's just a slightly nicer CRV. It's nice, but pretty plain too. It is definitely smooth and quiet, although Honda /Acura rides harsher than I like if you don't have smooth roads everywhere. It's reliable, but for the pri...
by boroc7
Thu Aug 21, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1457

Re: Help with investing for children

For birthday money, and assorted gifts over the years, which are unlikely to be more than a few thousand over the years (my kids tend to spend the 100 they have gotten for birthdays on special toys or games) I got them bank accounts at my bank. When they got older I was able to add a debit card tha...
by boroc7
Mon Aug 18, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1723

Re: Is buying two SUVs a sane/good financial move?

I will reiterate some of the earlier advice: 1. Taking a driving course could increase safety more than any other single change. 2. The newer (2012 or newer) cars have significantly improved their safety features. Electronic Stability Control (ESC) alone reduces fatality risks by more than a third ...
by boroc7
Sun Aug 17, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3920

Re: Flood proofing a basement

Please don't drain your sump pump into the street. I have neighbors up the street who do that. My house is at the low point of the street. Need I say more? Okay, here's more: even with a swale now in my small yard, water still overflows the swale in heavy rains because of those yoyos. That turns pa...
by boroc7
Fri Aug 15, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1840

Re: Considering buying a Plug-in Prius or a Volt

She started the job/commute about 6 weeks ago. I trust her when she says the carpool lane would make a difference (albeit not a huge one, but still enough to prefer to be in it). The issue is that there is a limited number of HOV stickers available. I would hate to "miss the opportunity" ...
by boroc7
Fri Aug 15, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2619

Re: Considering buying a Plug-in Prius or a Volt

You had a similar/same post a while back. It doesn't sound like she started the job and commute yet? I think she really ought to spend a few good months doing the commute to know what that's like before obsessing over which car to get. It'd be a mistake to buy it before she really gets into the comm...
by boroc7
Fri Aug 15, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2619

Re: [Poll] How I Feel When I Think about Investing, etc.

So I'm hoping my vote will change over time. In a nutshell, I'm am so not liking this!! Full disclosure: I am very new to this. I do enjoy this website so I'm hoping I stick with it. 1) why do the powers to be make it so darn hard to understand. Really. I don't think I am a stupid gal but I've trie...
by boroc7
Fri Aug 15, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2384

Re: [Poll] How I Feel When I Think about Investing, etc.

No surprises considering it's likely answered by folks who like to spend a lot of free time on an investing forum. I didn't answer, because if the question only asked about how I feel about investing, I'd have said I find it interesting and pretty casual. But if you asked the question about how I fe...
by boroc7
Fri Aug 15, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2384

Re: Is the goal in sight? Should I relax?

My mother is one of the most happy and grateful people I know, less then $100k in the bank + SS. I was in a company workshop today run by a notable psychologist on the topic of resilience (related to stress management), and a key takeaway was that a sense of gratitude--essentially one's ability to ...
by boroc7
Fri Aug 15, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2342

Re: Motorcycle for short commute?

The heat seems to be your main problem. I don't have an answer for that beyond a cheap car, which you might only need liability insurance payments, but if I were in your shoes I'd be looking quite seriously at an electric bike, depending a lot on the actual commute and terrain. If it is indeed walka...
by boroc7
Tue Aug 12, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4036

Re: First Timer

Please post the expense ratios on the funds you listed.
by boroc7
Mon Aug 11, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1984

Re: Good place to park ~$500k for house remodel/teardown?

john94549 wrote:I'm not shocked at the amount, but am somewhat shocked that OP would risk the funds. Plop it in a savings account, pay the tax, relax.

I agree, I wouldn't accept the risk of a 10% hit for whatever possible minor gains in one year I might see.
by boroc7
Mon Aug 11, 2014 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2451

Re: 403b Marketing

I removed both the letter containing the broker's license number and the link to his personally identifiable information. Publicly making a claim against someone puts this forum in the middle of a legal issue and is not appropriate here. I'm not a lawyer, and am making a serious inquiry here: so do...
by boroc7
Mon Aug 11, 2014 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: 403b Marketing
Replies: 11
Views: 631

Re: Tropical vacation next winter with infant-where?

Just got back from Asia traveling with a baby. I'm DEFINITELY NOT ready to do that again anytime soon. We sort of managed while we were going there, but on the way back, pure misery. And what we really didn't anticipate was how long it would take to adjust back to this time zone from Asia. It wasn't...
by boroc7
Mon Aug 11, 2014 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2781

Re: Renting forever: financial suicide?

Here we go again. My wife and I bit the bullet and bought in Sunnyvale in 1973 (for $43K). Sold in 1978 and bought in Lafayette (in 1978) for $180. Add a few zeros. We've been up and down the "assumed" property value ladder so many times it wants to make your head swim. Bottom line: if yo...
by boroc7
Mon Aug 11, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11078

Re: Volvo Overseas Delivery - Any experience?

I almost did this a number of years ago, and the plan was that my friend would do the same with a BMW simultaneously. Then we'd cruise all through Europe. In the end you didn't really save anything, and there was the annoyance of making a few car payments before you actually even got the car back ho...
by boroc7
Mon Aug 11, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Volvo Overseas Delivery - Any experience?
Replies: 11
Views: 1243

Re: Convince me I can make a dumb (car-related) purchase

EnjoyIt wrote:In my circle of people I know, there is a 7, an 8, and an 11 year old Audi that are all daily commuters and still run fine.

Amazing, I wish all cars lasted that long.
by boroc7
Mon Aug 11, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4362

Re: Minivan time! Opinions on 2013 Town & Country, Please

I do like the Toyota better, but it's very true that you can get a Chrysler minivan for much, much less. It just depends on what you're willing to pay for, so seems like a fair split. If you like the car, and are willing to take a slightly lower hit on reliability, then go for it.
by boroc7
Mon Aug 11, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2028

Re: Rental Property vs. Selling

We have a property that's about the same price rental as what you think you would get. We maintain the landscaping as well as the pool, which we had just remodeled before renting it out. Pools are delicate things--there's no way I would trust the tenant to take care of it as it could quickly go to p...
by boroc7
Mon Aug 11, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property vs. Selling
Replies: 10
Views: 1087

Re: Where do you buy clothes?

That said, we had to visit five stores last weekend before we could get black shorts for DD for her soccer. Striking out were Wal*Mart, Ross*2 and Beall. The winner was Target. Athletic clothes are overfilling sports equipment big box stores such as Sports Authority, Academy (least expensive), Dick...
by boroc7
Mon Aug 11, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9251

Re: Rental Property vs. Selling

Sell sell sell! Don't fret about future appreciation. Your investments have the same (if not greater) potential, with the bonus of being liquid and less risk if handled right. The two year capital gains exclusion mentioned is another huge reason to do it now, especially when you've just lived in it ...
by boroc7
Sun Aug 10, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property vs. Selling
Replies: 10
Views: 1087

Re: Where do you buy clothes?

I've wasted so much money on clothes that were really cheap but I don't love. That includes buying ones that were not just perfect in size. Having learned that, if I really find something I love and fits perfectly, I'll buy it as long as it's under about $50--unless it's a specialty item like jacket...
by boroc7
Sun Aug 10, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9251

Re: Should i Buy a new car

Lafder wrote:the safety features of a 2015 are NO comparison to a 7+ year old Camry.

Can you please back that statement up? I'd like to see that data.

Op, this has nothing to do with finances, but you'd have my respect if you were able to avoid the showboating I see in hospital parking lots all the time.
by boroc7
Wed Aug 06, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 4075

Re: What Used Car Should I Get for <10K

We have an 05 Camry and it is not only comfortable on 14 hour road trips, it's quiet. 4-cyl has enough power, and decent mpg. It's way quieter than my FIL's '06 accord, although of course you lose some handling/maneuverability because of it. If I wanted a little quieter I would move up to an Avalon....
by boroc7
Wed Aug 06, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2503

Re: Should I open a 529 in MI?

Depends. How good is your 403(b)? This is simple math and you can evaluate it yourself. Assume $100 invested in the 529 and $95.65 in the 403(b), and grow them both for 18 years by the forward growth in equities less expense ratio of your S&P500 index fund. Say your 403(b) fund has 0.1% costs a...
by boroc7
Fri Aug 01, 2014 6:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I open a 529 in MI?
Replies: 4
Views: 432

Re: Huff Post: How Financially Literate Is the Investing Pub

So I probably should have gotten #10, but when are 401(k) contributions taxed (a)?
by boroc7
Fri Aug 01, 2014 6:41 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4779

Re: HUFF POST: How Financially Literate Is the Investing Pub

The good news is that I'm financially literate according to George Mason U. :D

The bad news to confess is that I missed #10 and #12. :oops:

And to end on good news again, I would have failed not that long ago before I started studying up and reading on this forum.
by boroc7
Thu Jul 31, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4779

Should I open a 529 in MI?

We have been thinking a lot about how we might afford college for our little ones when the time comes. Reading the wiki and other posts, I had concluded that putting away as much money into retirement and particularly our Roths would be the best way to be ready for college expenses considering we do...
by boroc7
Thu Jul 31, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I open a 529 in MI?
Replies: 4
Views: 432

Re: Whether or not to file an insurance claim

Long time update, but I was able to short sale the property this past month. What a relief. I consulted with a law firm about going after either the tenant or manager, but with the major expenses that go with it, the risk-reward factor seems to have little upside potential. I have two years to decid...
by boroc7
Thu Jul 31, 2014 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Whether or not to file an insurance claim
Replies: 16
Views: 1473

Re: The Boglehead-prisoner’s dilemma.

gabylon wrote:Let us assume, for the sake of argument, that he has access to any kind of asset.

Any kind of asset--you mean that will fit in a box? How about plutonium?
by boroc7
Thu Jul 31, 2014 7:27 am
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5472

Re: New smartphone - questions from a nervous upgrader

This is probably easy to you all but I am lost. The speakerphone on my blackberry failed today as well as the ring tone and voice but on way to Verizon store in a panic I slapped it and it is working. But I have to get a new one. I have to accept that I need a smartphone with touch screen - it will...
by boroc7
Thu Jul 31, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3301

Re: Dilemma: Get more fuel-efficient car now, or wait?

Epsilon Delta wrote:Have you considered upgrading the tech in the Lexus? Depending on what your wife uses it could be as simple as replacing the eight track :D with a <$200 satellite radio, blue tooth included, but no steering wheel controls :( . You'd be ahead after less than 5 months.

+1
by boroc7
Wed Jul 30, 2014 5:06 am
 
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1329

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Two of the reasons I settled on the Mazda3 vs other cars was the fact that I could use regular gas, and when I checked insurance rates, it was cheaper than some of the other slightly sportier cars I was looking at. One of the things I didn't like about Hondas, at the time living in CA, was that the...
by boroc7
Tue Jul 29, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3482
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