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Re: PrePaid Cell Phone Plan (2.5 weeks to determine and alig

Please see this recent thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=147467 http://tinyurl.com/ATTMVNOSLTE gives a comparison but it is tailored towards those looking for prepaid AT&T access with LTE data. Cricket Wireless was recently acquired by AT&T and now share exact ...
by kd2008
Wed Oct 01, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: PrePaid Cell Phone Plan (2.5 weeks to determine and align )
Replies: 2
Views: 222

Re: Fairholme Fund (FAIRX) down 9.6% today

Did it declare a dividend distribution? May be ST & LT cap gains too?
by kd2008
Wed Oct 01, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fairholme Fund (FAIRX) down 9.6% today
Replies: 5
Views: 636

Had a bad experience with Amica

After hearing wonderful things about Amica on this forum and in Consumer reports, I was helping a friend switch his home insurance to Amica. They quoted a policy that was $600 cheaper annually for the exact same coverage as the current one. It was then sent to the underwriters and two days later muc...
by kd2008
Wed Oct 01, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Had a bad experience with Amica
Replies: 14
Views: 873

Re: Vanguard website almost nonresponsive?

I just placed an order. No issues.
by kd2008
Wed Oct 01, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard website almost nonresponsive?
Replies: 11
Views: 540

Re: Cricket wireless experience

This is great information. I'm very interested in Cricket. Does anyone know about using AT&T, particularly AT&T Go phones with Cricket -- Do they need to be unlocked, or can they be used as-is? [OT comment removed by admin LadyGeek.] Thanks ! They do not need to be unlocked. They can be use...
by kd2008
Mon Sep 29, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Cricket's "5 for $100" plan looks very interesting. Does anyone know which GSM carrier they are aligned with? Is it T-mobile? If I look on their coverage map, it doesn't appear to be the T-mobile coverage. It looks much better than AT&T + T-mobile in our 58104 zip are tri-state region...
by kd2008
Mon Sep 29, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Actually, Starbucks and Panera have been the best. Home WiFi not so much. I will be checking out Cricket this afternoon although I will not make the change for a few months. Thank you for those data points. I tried using the new Google hangouts with the hangouts dialer on my smartphone which makes ...
by kd2008
Mon Sep 29, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

I would like to apologize to the board and the moderators for not following the posting guidelines. Sorry about that!
by kd2008
Mon Sep 29, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

I recently switched my T-mobile line to Cricket (since Cricket is offering $100 for T-mobile customers to switch). It was a smooth easy transition. Cricket has LTE data but it is capped at 8 MB/s and its HSPA data is capped at 4 MB/s. I was a bit leery of the speed caps. But upon testing, I would s...
by kd2008
Wed Sep 24, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Comparison of AT&T MVNOs: http://tinyurl.com/ATTMVNOSLTE Good spreadsheet, except it only includes MVNOs that offer LTE. There are several other AT&T MVNOs that are just as good or better but only offer HSPA+, which for most people is just as good as LTE. I'd include AirVoice Wireless and H...
by kd2008
Tue Sep 23, 2014 5:32 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Comparison of AT&T MVNOs: http://tinyurl.com/ATTMVNOSLTE
by kd2008
Tue Sep 23, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Net10 has 3 GB high speed data on their unlimited plan. The 5 lines on crickets $50 3 GB plan would cost $250 -$100 group discount = $150. Taxes and fees included in the price. Still Net10 is an excellent value for unhrottled data & voice &text roaming if you need it.
by kd2008
Tue Sep 23, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

Browser, you are correct about postpaid vs prepaid. Cricket gets no att roaming coverage. Thankfully, for me over the past 10 years it has been 3 times on roaming. So personally I am not concerned about it. But for some for sure that would be a constraint.
by kd2008
Tue Sep 23, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

I tried out Republic wireless and did not like their call quality. Also Sprint is not as good as others in my area. But for some it is an awesome option. I have been transitioning all my calls & text to Google hangouts. It has been somewhat of bumpy ride as the hangouts app is very clumsily desi...
by kd2008
Tue Sep 23, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: Cricket wireless experience

I used the same ebay seller. I am not him.
by kd2008
Tue Sep 23, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Cricket wireless experience

I have a AT&T postpaid line that will go off contract in October. I am happy with AT&T reception where I live but was looking for cheaper alternatives since I do not need a new smartphone every two years. I tried out T-mobile prepaid and came away impressed at their data speeds and ease of s...
by kd2008
Tue Sep 23, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: Cricket wireless experience
Replies: 35
Views: 1796

Re: AliBaba

Already reached a high of 99.25 & heading down. Those who got in & out, got in pretty good. IPO strategy is not a good strategy for those who don't want to pay attention to the markets. Include me in that. But my good friend has a stomach for volatility and reads company filings and what not...
by kd2008
Fri Sep 19, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8180

Historical DCA returns for mutual funds

There is a huge swath of folks who contribute every paycheck (aka DCA) to a 401k into various mutual funds. Never have I seen any of the "Morningstar" info sheets for mutual funds list DCA returns on it. Is there a website where I can get that? Why don't the mutual funds themselves publish...
by kd2008
Wed Sep 10, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Historical DCA returns for mutual funds
Replies: 1
Views: 195

Re: New 2% cash back Mastercard from Citi

Hi all,

I called Citi this morning and with a 2 min phone call, I converted my Dividend card to the new cash back card.

Just wanted to let you folks know.

Thanks!
by kd2008
Mon Sep 08, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23831

Re: New 2% cash back Mastercard from Citi

So I called Citi to convert my Dividend Platinum card that I never use to the new Double Cash card. "Oh the product is too new,and our systems are not updated. Sorry, I cannot convert it now. Call us in a few months." Really?
by kd2008
Fri Aug 29, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 224
Views: 23831

Re: Help with Salary Negotiation (Bay Area)

Tread carefully. Here is real life example: I was asked the same question. I had my research done. I showed them a posting of similar job on internet in a different geographical area. I also showed the difference in average salaries for my profession (as given by dept of labor data) in my city and a...
by kd2008
Fri Aug 15, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Salary Negotiation (Bay Area)
Replies: 13
Views: 1303

Re: Very high interest rate in other countries? How come?

To OP, There is no free lunch here. The Indian rupee swung from about 60 to 67 against USD dollar last August. People of Indian origin in the US went crazy and converted their dollars into rupees and earned 9% interest rate. Now that rupee is back to 60, they made out like bandits. Indian government...
by kd2008
Thu Jul 17, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Very high interest rate in other countries? How come?
Replies: 44
Views: 3325

Re: What after-tax income could you live on today?

Could the OP please clarify, is this per person or per household (which could include any number of people greater than or equal to one)? Thanks!
by kd2008
Fri Jul 11, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5186

Re: Two month car rental

I do not see any reason to rent car if you already own a recent model - I know this is not the question OP is asking.

2200 mile road trip to Colorado on a 2011 Camry the day after it was bought
4000 mile road trip to Yellowstone & Tetons last month in a 2012 Mazda 6

The cars did fine.
by kd2008
Wed Jul 02, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 1987

Re: Int'l wire: Service providers? How fast?

Do you have a Vanguard account? For transfers over $5000, Vanguard offers international wire transfer for free. Only the transferring bank charges about 8 bucks. The initial setup is cumbersome. You need to get the right form - Vanguard reps are not knowledgeable about it at all - make sure it is no...
by kd2008
Tue May 13, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Int'l wire: Service providers? How fast?
Replies: 16
Views: 987

Re: Ordering new blank checks

google checks unlimited coupons and figure out from there.
by kd2008
Mon May 05, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Ordering new blank checks
Replies: 36
Views: 1963

Re: Net Worth Survey, 2014 Edition

I haven't taken the survey yet but looking at the results I'd really love to know how so many 28-30 yr olds have $300-700k portfolios. Excluding lottery, gameshow, etc. winners it doesn't seem reasonable to accumulate that much so soon out of college. Am I missing something? Is it more normal than ...
by kd2008
Wed Apr 16, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 22443

Re: Mr. Money Mustache: Hero or Foolish?

For me money is primarily a moral problem. Money is fungible. Choices to be made using money/human capital/bartering etc to obtain material well being may pose moral problem. Money does not care if you think money is not your master. This appropriation of subordinate/dominant dynamic to money bring...
by kd2008
Tue Apr 08, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35404

Re: TMobile $30 plan...

That Tmobile $30 plan is for data users. It has 5GB data at 4G speeds and 100 min per month. You may want to check into H2O Wireless. https://www.h2owirelessnow.com/mainControl.php?page=planMon30 $30 per month gets you: Unlimited Talk Available nationwide, including U.S. Territories Unlimited Text A...
by kd2008
Fri Apr 04, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12208

Re: is there a subsidy cliff for the ACA?

Best websites: http://graphics.wsj.com/health-care-explorer http://kff.org/interactive/subsidy-calculator/ How health subsidies are calculated? Best graphic http://graphics.wsj.com/health-care-explorer/assets/guide-a.jpg How the healthcare law further reduces costs? Best graphic http://graphics.wsj....
by kd2008
Thu Apr 03, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: is there a subsidy cliff for the ACA?
Replies: 13
Views: 885

Re: Blog: Vanguard Personal Advisor Services

Consider a 60/40 Portfolio like below: 40% Vanguard Total Stock Market Adm 0.05% ER 20% Vanguard Total International Stock Market Adm 0.14% ER 40% Vanguard Total Bond Market Adm 0.08% ER Would have a weighted ER of 0.08% Add 0.3% for Portfolio Management service - you get all this - a plan, plus &qu...
by kd2008
Tue Apr 01, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 8358

Re: Asset Allocation - near retirement

State of Oklahoma income tax rate is 5.25%, not 8%. Also Oklahoma exempts IRA & 401k withdrawals up to $10K per person per year from state income tax.
by kd2008
Fri Mar 28, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - near retirement
Replies: 40
Views: 4156

Re: Would you push for Total Bond market fund?

Thank you all for your perspective. I really helped me. Request put on hold for now.
by kd2008
Fri Mar 28, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1052

Re: Would you push for Total Bond market fund?

SAM, Currently there are 6 bond funds - covering short-term, intermediate govt, intermediate corporate, treasury, inflation-adjusted, and the one I mentioned - a total bond market type JP Morgan fund.
by kd2008
Thu Mar 27, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1052

Would you push for Total Bond market fund?

I have labored quite a bit on my company's 401k committee for past few years. Finally, there is plan to include the following Vanguard funds: Vanguard S&P 500 Index Fund Signal (0.05% ER) Vanguard Total Intl Stock Index Fund Signal (0.14% ER) Vanguard Small Cap Index Signal (0.10% ER) Vanguard M...
by kd2008
Thu Mar 27, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you push for Total Bond market fund?
Replies: 13
Views: 1052

Re: Retirement Savings Growth exceeds Annual Retirement Expe

My retirement savings + investment growth has exceeded my anticipated annual expenses in retirement every single year I have been working so far. It still don't mean anything. I guess your questions makes asset size irrelevant for discussion purposes. So I don't understand why you mention the asset ...
by kd2008
Thu Mar 13, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3057

Re: Job Offer Negotiation / Interview Snafu

If you already have a job, it is best to stand your ground on the price you quoted. Otherwise you may create a doubt about character/story - unless you tell folks I am miserable and I want to get out. I think it is ok to negotiate a sign on bonus in lieu of a bit of salary. It sweetens the deals for...
by kd2008
Wed Mar 12, 2014 7:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 31308

Re: Can I retire yet?

Thank you for your thoughts, but you do seem a little punitive!!!. I am surprised you don't think the value of the house is an important factor in evaluating the financial significance of the mortgage as well as the alternative allocations of the real estate value that I could make. A million dolla...
by kd2008
Sat Mar 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6737

Re: Can I retire yet?

Sinbad, Your original post is still confusing and full of details that distract from the question of whether you can retire. Details of mortgage, house value, etc are irrelevant. List things like this: Income: His SS: $30k/yr Her SS: $26k/yr Pension: $55k/yr Total: $111k/yr Expenses: $180k/yr + taxe...
by kd2008
Sat Mar 08, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6737

Re: Try for a shortcut to promotion, or not worth the risk?

Trying to go to your current boss implies you are being serious. Given that the position you would like is not even an opening yet, I wouldn't approach the immediate boss just yet. Figure out who was the boss of the person who left recently. Try to gauge their bearing of the situation - are they fee...
by kd2008
Mon Feb 10, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Try for a shortcut to promotion, or not worth the risk?
Replies: 15
Views: 1655

Re: What was your 2013 return?

Stocks/Bonds 80/20
US/Intl 67/33

Total Portfolio XIRR = 21.13%
Stocks only = 27.65%
Bonds only = -2.55%

Not bad!
by kd2008
Thu Jan 02, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9426

Re: Portfolio review please!

bump!
by kd2008
Tue Dec 17, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please!
Replies: 3
Views: 425

Portfolio review please!

Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds = 6 months worth of expenses not included in asset allocation below Debt: Mortgage paid off. Car: 9.5K@ 0% for 32 mon.remaining Tax Filing Status: Single Tax Rate: Federal-25% (without 401k, 28%...
by kd2008
Tue Dec 17, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please!
Replies: 3
Views: 425

Re: Postdoc Position- Worth it for Career as Engineer?

It all depends on what are you looking for "now." I was fed up with the academic environment at the end of my PhD. I rejected a postdoc at MIT and took a full time job. I learned a lot about life in the five years being in the real world so to speak. I am glad I looked away from the academ...
by kd2008
Tue Dec 10, 2013 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Postdoc Position- Worth it for Career as Engineer?
Replies: 23
Views: 2493

401k plan trustee using bad average fees metric

Hello Bogleheads, The 401k plan trustee for my employer is using the following metric to describe our plan as above average. The average totaled bundled expense ratio is 1.03%. It is below average for plans of our size. This is from http://www.shrm.org/hrdisciplines/benefits/articles/pages/401k-fees...
by kd2008
Mon Dec 02, 2013 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k plan trustee using bad average fees metric
Replies: 2
Views: 270

Re: Tax Calculator-Really good online site

It does not seem to calculate exemptions correctly for me. It shows $0.
by kd2008
Wed Nov 27, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Calculator-Really good online site
Replies: 13
Views: 1254

Re: Can I afford this place?

I would like to thank you all for your feedback. JT, you comments did make me take a hard look at my cash flow - including running the taxcaster. Thank you for your critique. Like I said, the house is in a premier neighborhood - walking distance from shopping, restaurants, parks, trails, museums. Ad...
by kd2008
Fri Nov 01, 2013 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1637

FSA gains $500 rollover feature

FSA gains rollover feature http://www.nytimes.com/2013/11/01/business/rollovers-for-flexible-spending-accounts.html?ref=business Workers taking advantage of special tax-free accounts to pay out-of-pocket medical expenses could soon be allowed to carry over up to $500 from one year to the next. For n...
by kd2008
Thu Oct 31, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 30
Views: 2312

Re: Can I afford this place?

Would it make sense to sell the condo and use the proceeding as additional down payment? Yup I can do that. It is just that I may feel a bit overwhelmed handling the condo on the market and purchasing a home at the same time. Plus the rent collected would be a much better payoff if I could get $9K ...
by kd2008
Thu Oct 31, 2013 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1637

Re: Can I afford this place?

No way. Not on $61k take home. If you need an ARM, that's a pretty good indication right there. JT I can understand that if I were looking that in isolation. But I do have a paid off condo which could generate rent, and I may have my partner paying etc. Plus I am in my early thirties so plenty of r...
by kd2008
Thu Oct 31, 2013 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford this place?
Replies: 24
Views: 1637
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