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Re: Do you love your job? What do you do?

Hospital pharmacist. The job has changed a lot over the years. Corporate for-profit hospital ownership is everywhere around my area. Doing more with less pharmacists and technicians. On the other hand, my salary is higher than ever. And had yearly raises every year. So, it's not that bad but I enjoy...
by fsrph
Sat Mar 22, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10073

Re: How much internet speed is enough?

So...I think 5-6 Mbps is plenty for what I do, and 12 Mbps (which is the next plan up from my current plan, would provide a nice surplus.) Beyond that, I see no good reason to pay extra to get 100x that speed. This is exactly my experience - 5-6 Mbps is plenty, even for HD streaming. However, my wi...
by fsrph
Fri Mar 21, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: How much internet speed is enough?
Replies: 21
Views: 1522

Re: Girl Scout Cookies

parastoo wrote:Hi,
Does anyone know of a civilian version of Girl Scout Thin Mint Cookies?
Thanks,
M.

Wal mart store brand Thin Mints taste just like the GS version.

Francis
by fsrph
Tue Mar 18, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Girl Scout Cookies
Replies: 22
Views: 2065

Re: T-Mobile's response to a weak signal

The comcast thing... that means you'd be using wifi for your phonecalls instead of regular cell towers. You may get better signal outside of your house, and other areas you go to may be fine. It's up to you how much it matters. I have t mobile. Had very poor reception at home. Switched phone settin...
by fsrph
Tue Mar 11, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 1645

Re: T-Mobile's response to a weak signal

The comcast thing... that means you'd be using wifi for your phonecalls instead of regular cell towers. You may get better signal outside of your house, and other areas you go to may be fine. It's up to you how much it matters. I have t mobile. Had very poor reception at home. Switched phone settin...
by fsrph
Mon Mar 10, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile's response to a weak signal
Replies: 16
Views: 1645

Re: Poll: Do you use the Amazon link here to make purchases?

I wait till I have a $35 or more order of qualifying items for free shipping. I don't order from Amazon very often. But when I do I did not use the Boglehead link. Sad to say, I simply forgot to use it.

Francis
by fsrph
Sat Mar 08, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Do you use the Amazon link here to make purchases?
Replies: 24
Views: 1212

Re: The dealership wants my 2 year old car back?

Lots of car companies/dealers do this. Subaru has a guaranteed trade in program but are more up front about it. To use the Subaru program you enter your VIN in this website http://www.subaru.com/finance-center/guaranteed-trade-in-program/ . It will tell you the trade amount if you buy a later model ...
by fsrph
Fri Mar 07, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4265

Re: Signature not the same as entered

Wondering if anyone ran into this problem. Maybe I'm missing something simple. I went to my profile and added a signature. What I added was - "Never ask a barber if you need a haircut.” ― Warren Buffett I previewed it and it was fine. But when I post it looks like this - "Never ask a barb...
by fsrph
Thu Mar 06, 2014 5:12 pm
 
Forum: Forum Issues and Administration
Topic: Signature not the same as entered
Replies: 2
Views: 324

Signature not the same as entered

Wondering if anyone ran into this problem. Maybe I'm missing something simple. I went to my profile and added a signature. What I added was - "Never ask a barber if you need a haircut.” ― Warren Buffett I previewed it and it was fine. But when I post it looks like this - "Never ask a barbe...
by fsrph
Thu Mar 06, 2014 4:18 pm
 
Forum: Forum Issues and Administration
Topic: Signature not the same as entered
Replies: 2
Views: 324

Re: Mouse/Rat traps

I tried about 5 different expensive options last time I had mice. None of them worked well. What did work was the old fashioned wooden mouse trap with peanut butter bait. Seems like you really can't make a better mousetrap. Yes, old wooden snap trap with peanut butter bait works as good as anything...
by fsrph
Thu Mar 06, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1767

Re: Help buying a car under invoice

When I bought my new Forester I requested a quote from an online no haggle dealership. I used http://www.fitzmall.com. They will give you their rock bottom price at the outset. I then used that price and found a local dealer who was a few hundred $ above it. The price I paid was well under invoice (...
by fsrph
Mon Mar 03, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Help buying a car under invoice
Replies: 24
Views: 1591

Re: [physician wants to explore career options]

I am bumping this old thread for more thoughts and a more specific question. Forget all the alternative careers. I just want to work less. For me, going to 0.8 FTE would maintain my health insurance but cut my pay by about 30-35%, because I'd give up some administrative duties. I was hoping to get ...
by fsrph
Sun Mar 02, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: UPDATE: [physician, career options, life options]
Replies: 89
Views: 7922

Re: What was your dumbest financial decision?

In the mid 1980's I bought a stock. This was the pre-internet days. The companies main business was to pipe in country music to hotels/motels in the western half of the US. I kid you not. The company was endorsed by a male tv personality that most would recognize. The stock went to near zero. I lost...
by fsrph
Sun Mar 02, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8336

Re: Vacuum cleaner advice

Dysons were a little funky for my taste as well (and expensive) so we went with the Shark Professional Navigator based on all the glowing reviews on Amazon. Picked it up 2 weeks ago at Bed Bath and Beyond and after using one of the 20% off coupons, we ended up beating Amazon's price. And let me jus...
by fsrph
Fri Feb 28, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1894

Re: Honda CR-V vs Subaru Forester

1. Real-world mileage. How does your car fare in city/highway driving. 2. Maintenance. How often (and what kind) does your car need work/fixing in garage. Is it routine wear-tear work (oil change, brakes, tires etc.) or something actually breaking. 3. AWD. If you could comment how it performs, espe...
by fsrph
Thu Feb 20, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4329

Re: POLL: Do you do your own taxes?

I do my own taxes for as long as I can remember. They aren't all that hard to do and I use TurboTax.

Francis
by fsrph
Wed Feb 12, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 3106

Re: Refrigerator problem - Ideas?

My 4 1/2-year-old Whirlpool refrigerator (with freezer on top) has been running warm lately. I have a refrigerator thermometer which has been as high as 50 degrees in the refrigerator. I have it in the freezer currently, where it has been fluctuating between 20 degrees and 0 degrees. What may be th...
by fsrph
Sat Feb 08, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem - Ideas?
Replies: 4
Views: 516

Re: Amazon Prime Price Increase

I have read several sources indicating that Amazon may increase the price of a Prime membership from $79 to $99 or possibly $119. As a Prime member I'm kind of on the fence about this potential price hike. I enjoy the service but may cancel and go back to the old method of bundling purchases to get...
by fsrph
Wed Feb 05, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7595

Re: Keeping internet provider without price hikes

I was paying $120 for cable TV + Internets. A couple years back I dumped the cable TV part and bought a $10 set of rabbit ears antenna. Now my monthly bill (for internet-only) is $50. Plus $8/mo for Netflix or Hulu Plus. I did something similar. Dropped Comcast TV, using antenna for local HD. Plann...
by fsrph
Sun Feb 02, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Keeping internet provider without price hikes
Replies: 53
Views: 3882

Re: Cheapest pay-per-use phone--rarely make calls

T-mobile-to-go... You have to buy the phone and put $100 on it which gives you one year of service and 1000+ minutes (usually some kind of coupon or deal). Then, you only have to add $10 once a year to extend it. So not the cheapest initially, but the cheapest per year. Thanks to all. And thanks @F...
by fsrph
Sun Jan 26, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use phone--rarely make calls
Replies: 64
Views: 3287

Re: Cheapest pay-per-use phone--rarely make calls

T-mobile-to-go... You have to buy the phone and put $100 on it which gives you one year of service and 1000+ minutes (usually some kind of coupon or deal). Then, you only have to add $10 once a year to extend it. So not the cheapest initially, but the cheapest per year. Thanks to all. And thanks @F...
by fsrph
Sun Jan 26, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use phone--rarely make calls
Replies: 64
Views: 3287

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Very Happy Birthday Taylor! Thanks for your service to our country and also for all you do for this website. You've taught us all so much.

Francis
by fsrph
Wed Jan 22, 2014 8:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12484

Credit monitoring - info wrong - correct or leave alone?

I signed up for the free credit monitoring due to the Target cc breach. Provided info including ss#. When I examined my credit history several items were from my father's activity not mine. Furthermore, the year of birth is my father's also. We both have the same name except I have Jr. at the end of...
by fsrph
Wed Jan 15, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Credit monitoring - info wrong - correct or leave alone?
Replies: 2
Views: 226

Re: Best Places To Park Cash For 3 - 5 Years

Pen Fed CD's. 5 year for 3%. Because of the prepayment penalty plus you say that you may need the funds or part of the funds in 3 to 5 years, you could buy a ladder of 3 to 5 year CDs from PenFed. (3 yr. 2%; 4 yr 2.2%; 5 yr. 3%). If you need them when they mature, redeem them. If you don't need the...
by fsrph
Tue Jan 14, 2014 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Places To Park Cash For 3 - 5 Years
Replies: 5
Views: 860

Re: Target Breach, Updated

Just fyi for those of you who have ever shopped at Target but not during December and so thought you were safe: The New York Times reports, "This additional trove of data involves all kinds of customer information that Target had collected over time.Those customers need not have even shopped a...
by fsrph
Fri Jan 10, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4249

Re: Target Breach, Updated

Just fyi for those of you who have ever shopped at Target but not during December and so thought you were safe: The New York Times reports, "This additional trove of data involves all kinds of customer information that Target had collected over time.Those customers need not have even shopped a...
by fsrph
Fri Jan 10, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 4249

Re: Do you need bonds if you have far more money than you ne

Let's say you have a $5m portfolio you plan to retire on, and your annual expenses are $100k or less each year (pretax). Is there anything wrong with 100% stock in this case? This is a 2% withdrawal rate, which many studies show is indefinitely sustainable throughout market cycles. And you'd have s...
by fsrph
Sun Jan 05, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need bonds if you have far more money than you need?
Replies: 54
Views: 3318

Re: Updated opinions about Ally Bank?

Has anyone had recent experiences that might dissuade me from doing business with them? Or additional positive experiences? However, I see that PenFed has better CD rates. Regards No problems with Ally. But, I closed my cd there and transferred the funds to PenFed. The difference in 5 year cd rates...
by fsrph
Fri Jan 03, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 61
Views: 6108

Re: What does a Bogle TV look like?

Do you use your old school television until it dies? What do the TVs at your house look like? I have a flat screen tube TV that weighs a million pounds. Until I can get my kids to haul it out for me, I'm stuck with it in my living room. I also have a 32" LED TV that I'm trying out. Picture see...
by fsrph
Thu Jan 02, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 3928

Re: About to Buy a 2014 Subaru Forester

blevine wrote:Would buy the 2014 Forester again in a heartbeat.

As would I. Great summary of the Forester in blevins post.
by fsrph
Sun Dec 29, 2013 6:46 pm
 
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 5143

Re: About to Buy a 2014 Subaru Forester

I think you made a great choice. I have a 2010 Forester and think it's a great vehicle. They did have problems with the head gasket leaking, in earlier years, but think this is resolved. As far as maintenance, I believe the spark plugs should be replaced at 30k miles. That seems a little early to me...
by fsrph
Sun Dec 29, 2013 6:39 pm
 
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 5143

Re: OTA HDTV - Best antenna to use?

Just out of curiosity, why are you not installing in your attic. Another rule of thumb is that the higher the antenna from the ground, the stronger the signal. So going to the attic or even mounting near the ceiling of the room will in general work better. You May also want to experiment with the a...
by fsrph
Sun Dec 22, 2013 6:20 pm
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 23
Views: 2126

OTA HDTV - Best antenna to use?

For anyone that uses or knows about OTA HDTV, what's the best antenna to use? I'm talking about an antenna that's placed by the window not in the attic.There are basic antenna or with boosters. I have heard many recommendations that the cheapest antenna will do fine as the signal is digital. If that...
by fsrph
Sun Dec 22, 2013 11:54 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 23
Views: 2126

Re: Best cheap Motel for overnight stay?

I like using Kayak.com. Searches several websites at once including Priceline. I got some great deals with Kayak.
by fsrph
Mon Dec 16, 2013 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 5367

Re: Poor PenFed Reviews

I've never had any problems with Customer Service at PenFed. I recently cashed in an Ally Cd early and moved the money to PenFed. I also broke three PenFed CD's to pay the penalty and get the new 5 year rate. PenFed CS handled all this for me flawlessly - altho I did have to submit a written request...
by fsrph
Fri Dec 13, 2013 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 7023

Re: Connecting HDTV without HDMI box

But the OP got channels with the antenna. That also doesn't happen without a search/scan. It would surprise me if there was an antenna scan but not a cable scan, but it's possible. The OP said the first try was cable; that could have been without a scan. OP? First I bypassed the cable box - direct ...
by fsrph
Tue Dec 10, 2013 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

But one problem. If I use the Roku I'm going have to upgrade my internet speed. Right now I have Verizon DSL with about 1 Mb of speed. 1Mbps would be too slow, but you don't need the Comcast 25Mbps service to get full value from your Roku. IIRC, the highest bandwidth setting on my Roku is about 4 M...
by fsrph
Tue Dec 10, 2013 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

Important to note that you don't have to get this entirely "right" on the first day you have your new HDTV. Try cheap, simple things to start with and see how you like them... Received the TV. First I tried connecting the cable connection directly to the TV (bypassing the non-HD box). Res...
by fsrph
Tue Dec 10, 2013 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Transfer money Ally to Penfed - easiest way

1. Open up a money market fund at Ally. You can do this online and there is no minimum investment. 2. Transfer the $ from the Ally CD into the Ally money market account--I think you can do this online. If not, give them a call. 3. When you open the Penfed CD (also online) click the box for funding ...
by fsrph
Thu Dec 05, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Transfer money Ally to Penfed - easiest way
Replies: 4
Views: 714

Re: First early withdrawals from Ally CDs

Do you have to call to withdraw early, or can you perform the same request online? I believe you can do it by online chat, but it probably would take as long or longer. They ask lots of security questions. There is no other way to do it online. (I was going to try and do it by online chat, but the ...
by fsrph
Wed Dec 04, 2013 11:37 am
 
Forum: Investing - Theory, News & General
Topic: First early withdrawals from Ally [and Barclays] CDs
Replies: 14
Views: 1133

Transfer money Ally to Penfed - easiest way

I want to break a CD at Ally to take advantage of the low penalty and PenFeds new rates. See http://www.bogleheads.org/forum/viewtopic.php?f=10&t=127430 for the new rates. What is the best way to transfer the CD proceeds from Ally to PenFed. I know Ally could send me a check, I deposit it, write...
by fsrph
Tue Dec 03, 2013 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Transfer money Ally to Penfed - easiest way
Replies: 4
Views: 714

Re: New PenFed CD rates!

learning_head wrote:I just got some info from CSR that 3.04% APY rates will be available at least through the END of January.

I just got of the phone with a PenFed rep and they said the same thing. Rates good thru the end of Jan 2014.

Francis
by fsrph
Tue Dec 03, 2013 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33085

Re: New PenFed CD rates!

This assumes I could find 3% CDs in 2 years. If CD rates are higher in 2 years, I probably should hold current CD. If not, I should switch... Or maybe I should just switch to get ~0.9% extra for sure? I was considering all this too. I decided to convert three cd's to the 3% rate for 5 years. Grante...
by fsrph
Tue Dec 03, 2013 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33085

Re: Fort Myers Beach, Marco Island, or ?

These suggestions are all well and good, but I seriously doubt if the OP can find anything decent at this late date. Christmas is the single busiest period of the entire year in Florida. It wouldn't be a bad idea to make a reservation for Christmas 2014 now. Bruce That's true but I looked at the Ma...
by fsrph
Tue Dec 03, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: Fort Myers Beach, Marco Island, or ?
Replies: 22
Views: 1393

Re: Fort Myers Beach, Marco Island, or ?

Marco is much more upscale (and expensive) than FMB. Both will be packed with tourists. I seriously doubt if you can find anything decent at this late date. It will be colder than were the Keys. Bruce I like and can recommend Marco Island. I bet the Marriott is sold out. I'd check the Hilton http:/...
by fsrph
Sun Dec 01, 2013 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Fort Myers Beach, Marco Island, or ?
Replies: 22
Views: 1393

Re: Connecting HDTV without HDMI box

If you have good vision, once you see what BluRay discs do, you'll be annoyed with the poor resolution of the SD cable box you have. Just go with it for now and check in again later... I only have basic cable and watch mostly local stations. If I drop Comcast and just use an antenna to pick up loca...
by fsrph
Sun Dec 01, 2013 7:45 am
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

Connect the RF cable that is now going to the cable box directly to your TV's RF connector bypassing the cable box. Do an autoscan of the channels. Other posters say Comcast scrambles the signal. Will this work in that case? Francis Other posters where? It only matters for Comcast in your area. It ...
by fsrph
Sun Dec 01, 2013 7:22 am
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

It doesn't seem like anyone, including the OP, has read the manual for the new tv? I think that would be the first thing the OP needs to do. And then all the tv manufacturers have websites with FAQ. I did read the manual as to what connections the new TV has. But if the cable box doesn't provide th...
by fsrph
Sat Nov 30, 2013 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

ieee488 wrote:Connect the RF cable that is now going to the cable box directly to your TV's RF connector bypassing the cable box. Do an autoscan of the channels.


Other posters say Comcast scrambles the signal. Will this work in that case?

Francis
by fsrph
Sat Nov 30, 2013 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631

Re: Connecting HDTV without HDMI box

I don't know what size TV you had before, but once you see 480i picture on a 50"+ TV, I think you may reassess the need for HD. I may have to get the HD box, we'll see I didn't receive the TV yet. The reason I am resisting the HD box is I have basic cable and would be satisfied getting some HD...
by fsrph
Sat Nov 30, 2013 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Connecting HDTV without HDMI box
Replies: 35
Views: 1631
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