Search found 1304 matches

by mike143
Sun Jun 28, 2015 5:34 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 6094

Re: What credit should you get? (Ask me anything)

@Mike Looks like you're pretty well covered then :) Without the points transfer stuff it's all pretty simple. And yeah, definitely good to cycle through points quickly. Bloggers will tell you to diversify (to get you to get more cards from their affiliate links) but very few people should carry mor...
by mike143
Sat Jun 27, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4322

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones. AT&T allows as well on...
by mike143
Sat Jun 27, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 6094

Re: What credit should you get? (Ask me anything)

@Mike - It depends on your spending habits. It looks like you're covered pretty well though. I'm not sure if you travel much and where, but you might be able to do a bit better with points. Everyday Preferred is the best grocery card if you can get good value out of MR points (1.5+). The other thin...
by mike143
Sat Jun 27, 2015 6:06 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4322

Re: Smart phone data usage

The thing I like the most about Cricket is that they have physical stores. Most prepaid carriers lack a storefront. Doesn't matter as much to me but when recommending services to others I think this is a great value and I don't end up doing the hand holding. We have the TMobile family plan--$100 for...
by mike143
Fri Jun 26, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4322

Re: Smart phone data usage

Prepaid carriers let you use a smartphone with no data but post paid carriers do not. I think T-Mobile was the last hold out. I remember having a Blackberry Pearl with no data plan, Wi-Fi only. I switch to a prepaid carrier before they required data plans for smartphones.
by mike143
Fri Jun 26, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 4322

Re: Smart phone data usage

Choose a prepaid carrier that cuts off or throttles after overages. I prefer Cricket since we have 5 lines. Last I knew PagePlus cuts off after you use up your allotment. We have users that use almost no data since they are mostly connect to Wi-Fi. Cricket (An AT&T company) 1 line = $35 per line...
by mike143
Fri Jun 26, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 16895

Re: Do you buy used cars like a Boglehead actually should?

Buying new after cash for clunkers killed the used car market. Not enough savings for a 2-3 year old vehicle with less than 50k from a reliable make (Honda/Toyota). Plan to drive them (12 Civic and 13 Prius) until needs dictate otherwise. If you fancy highly depreciating vehicles you can save 50% at...
by mike143
Fri Jun 26, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: What credit should you get? (Ask me anything)
Replies: 52
Views: 6094

Re: What credit should you get? (Ask me anything)

Let me know if I can beat what I am currently doing. 2% All: Fidelity Amex, Priceline Visa, Citi Double Cash MasterCard (Sam's Club) 5% Grocery: Sallie Mae 5% Dining and Amazon: Citi Forward 5% Gas: PenFed Cash Rewards Then I take advantage of credit card signing offers when I have large credit card...
by mike143
Sat Apr 25, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 791

Re: taking break from computer use - to avoid back pain

I also drink a bunch of water so have to walk to go to the restroom and refill my water on a regular basis. I will also go respond to an email in person so I have an excuse to walk around.
by mike143
Sat Apr 25, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 791

Re: taking break from computer use - to avoid back pain

11 years in IT so I do a lot of sitting. When I was exercising regularly a lot of the superficial pain went away. I have regressed and my back does give me issue. I have been the same amount of overweight during these 11 years but during the regular exercise phase I had better over all well being. I...
by mike143
Tue Apr 07, 2015 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 6011

Re: Might Go $4,000 AAPL

I only buy individual stocks with play money, willing to lose it. I bought AAPL after the iPhone 6 came out and it took a down turn. I knew/speculated the iSheep would buy it up for the holidays and the stock would rise. I sold under 40 days for a 10% return after trading fees. I did the same with Y...
by mike143
Tue Mar 03, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 3000

Re: iPhone upgrade

As a business we buy iPhone 5c near mint on swappa.com, they are going for under $200 right now. We can never justify paying the full price of the current model. I don't spend $600 on a laptop or a desktop, I am not going to spend near that for a smartphone. iPhone has gone stale since the 4s, no im...
by mike143
Fri Feb 06, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6444

Re: What to buy sweetie for Valentine's Day

Nothing, we stopped exchanging gifts after a few cycles. We do cards for the big dates (Anniversary, Birth Days and Valentines Day). We just go have a nice dinner near the date of the event but not they day of. We had a baby last Thursday and ask my wife if we need to exchange cards, she said no. We...
by mike143
Wed Jan 28, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3303

Re: Amazon Prime - good deal or calculated conditioning

You can share the prime shipping benefits with four other people. Even at the $99 it cost now that is only $20 a person. Between home and work I had 191 orders for 2014. I compare price against Google Shopping and buy from Amazon when it makes sense. Recently bought a humidifier not on Amazon becaus...
by mike143
Wed Jan 14, 2015 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 19900

Re: Amex Fidelity CC 2% Cash Back

Fidelity Amex since 2011. I collect all the 2% cards in case they lower cash back and grandfather. I also have the Priceline Visa at 2%, now grandfathered and also pickup the new Citi Double Cash Mastercard at 2% for the occasional Sam's Clubs visits. I also have the Citi Forward 5% Amazon.com and d...
by mike143
Thu Jan 08, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2553

Re: Florida prepaid college plan. Dumb or undumb?

s255075b wrote:Don't most students qualify for the Bright Futures scholarship, which covers 75-100% of tuition? In that case, I am not sure why the prepaid tuition plan makes sense. Maybe I am missing something.

Who knows that the future holds 18 years from now.
by mike143
Thu Jan 08, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2553

Re: Florida prepaid college plan. Dumb or undumb?

Florida lowered their prepaid rates significantly for 2015. Our child will be born in the next 30 days. I am leaning toward maxing Roth instead of doing the prepaid. " http://www.forbes.com/sites/troyonink/2014/02/14/how-assets-hurt-college-aid-eligibility-on-fafsa-and-css-profile/ : Retirement...
by mike143
Thu Dec 25, 2014 8:10 am
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3308

Re: Vacuum Food Sealers - Love it or gimmick?

I have found that keeping the freezer at the lowest temp and refrigerator near freezing has done more to extend food life than how its packaged.
by mike143
Thu Dec 25, 2014 8:05 am
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2566

Re: new tablet/smart phone question

Personal thanks go out to everyone who replied to me in such rapid-fire fashion. Much appreciated!! My problem lies in the fact that I'm a techno-idiot. Thus, it's going to take a bit of time & some serious due diligence to reconcile which of these suggestions will work best for me. As of now I...
by mike143
Thu Dec 25, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone for security gate
Replies: 10
Views: 1830

Re: Cheap cell phone for security gate

I would assume that its a GSM cellular module so that will exclude Page Plus (Verizon).

You might look at some home security forums for cheap prepaid service that is used for low usage. Here is one that popped up during my search: http://alarmsim.com/
by mike143
Sat Dec 20, 2014 9:43 am
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2278

Re: Cooking Lessons

If you wife will tolerate you in the kitchen I bet she would appreciate it more it you just start helping her in the kitchen throughout the year. Once you felt you have learned all you can then branch out for more training. Cooking is just following instructions. You will make mistakes, hopefully th...
by mike143
Sat Dec 06, 2014 8:57 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

I don't believe that the prius is comparable to a corolla to all buyers. Sure it may be in size, but not in its potential prestige and resale value. I regularly walk through a lot where a higher paying profession works. Sure there are BMWs, and mercedes, and lexus. But there are also several prius ...
by mike143
Sat Dec 06, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 5000

Re: Bah Humbug [managing Christmas spending]

As an adult, I don't desire to receive or give gifts for any occasion, for other adults. Luckily for Christmas we have, as a family group, decided that no gifts for over 18. We where doing a name draw for over 18 but after realizing that we are just exchanging gift cards we decided to keep our monie...
by mike143
Sat Dec 06, 2014 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9915

Re: Am I being cheap?

What you should do is sit down with your future wife and lay out your finances. Show her how much you make and spend. Show her how hard you worked to pay off your debt. Show her how much you save and what your financial goals are. Then go buy the ring with her and let her make the decision with the...
by mike143
Sat Dec 06, 2014 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9915

Re: Am I being cheap?

I spent $1,500 via bluenile.com. Solitaire with plain band and a good quality half carat that was GIA certified. I set a $1,500 budget and we looks at many stores: nationwide, region and local franchises, Sam's Club, Costco, and BJ's and none really provided the same value that bluenile.com did. I s...
by mike143
Sat Dec 06, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

I always get a good chuckle when some is driving a new Escalade. They care so much about perceptions they are literately burning money. http://wallstcheatsheet.com/automobiles/dont-plan-on-reselling-these-10-cars-depreciate-fast.html/?a=viewall Cadillac’s respected Escalade SUV might be worth $70,00...
by mike143
Sat Dec 06, 2014 7:10 pm
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 7079

Re: Who Paid for the wedding?

He needs to put all his chips on the table. He nor his family do not have the ability to pay and he is not willing to go into debt for the wedding. If other party doesn't respect this he can find a replacement. My wife's parents paid for the majority of the wedding and if they didn't it would have b...
by mike143
Sat Dec 06, 2014 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Funds?
Replies: 12
Views: 1307

Re: Investing Emergency Funds?

I put it in an income fund.
by mike143
Sat Dec 06, 2014 7:00 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

Probably because people realize how goofy they look driving one :) If I cared about that I would drive one of these. I would rather retire early than worry about what the average poor decision making American thinks. http://thefuntimesguide.com/images/blogs/randy_international_cxt_truck.jpg
by mike143
Sat Dec 06, 2014 6:57 pm
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

My commute is 27 highway miles and the prius gets 45 mpg+ without fail. No non-hybrid, non-diesel car could do the same. I grant the advantage is small under these conditions but it is not zero. What year is your Prius, what is the top speed for this trip and what state is it driven? I have to try ...
by mike143
Sat Dec 06, 2014 6:44 pm
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1865

Re: Selling your old cell phone for cash

In order: swappa.com, craigslist.org and ebay.com. I don't think anyone of those middle man sites give you a fair value for your phone.
by mike143
Sat Dec 06, 2014 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 936

Re: Underpaid at Job

Mike that's pretty much exactly what they do. After they are presented a competitors offer, they normally match but 100% of the people leave. When the last team member was promoted, it was offered to me and is doing well. I am in IT and this discussion pops up on spiceworks and it seems that you ge...
by mike143
Sat Dec 06, 2014 9:52 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2138

Re: What do you do with Fidelity Rewards?

Fidelity has solicited their cards to us. Though I have been tempted, I have resisted because the cards are issued by an underlying monster mega bank, not Fidelity. The monster mega banks rank right up there next to Comcast and AT&T in terms of customer service. Also, the Amex that pays 2% is n...
by mike143
Sat Dec 06, 2014 9:48 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

Honda Hybrids are not as reliable or efficient as Toyota's, but you can drive them without the hybrid system, Toyota's cannot. My work commute is 2 miles. I get 25mpg in the 2012 Civic and 40+mpg in the 2013 Prius. I think you have to break 15k miles a year to get a return on the hybrid tax on a Pr...
by mike143
Sat Dec 06, 2014 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 936

Re: Underpaid at Job

Dust off your resume. Get another offer then go to your boss and say I generate this for the company and I want this and see where it goes and if they don't value your return then take your skills elsewhere. I have seen this discussion many times and my company does they same. They would rather hire...
by mike143
Sat Dec 06, 2014 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2138

Re: What do you do with Fidelity Rewards?

livesoft wrote:I'm going to switch though soon to the 3% cash-back card to get a bigger cashback on sushi and chocolate.

Do tell.
by mike143
Sat Dec 06, 2014 9:19 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

Honda Hybrids are not as reliable or efficient as Toyota's, but you can drive them without the hybrid system, Toyota's cannot. My work commute is 2 miles. I get 25mpg in the 2012 Civic and 40+mpg in the 2013 Prius. I think you have to break 15k miles a year to get a return on the hybrid tax on a Pri...
by mike143
Sat Dec 06, 2014 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2138

Re: What do you do with Fidelity Rewards?

5,000 points as $50 in Fidelity Cash Management Account then transfer to my Regions checking account.
by mike143
Sat Dec 06, 2014 9:00 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 2138

Re: What do you do with Fidelity Rewards?

Transfer to checking, treat it like income.
by mike143
Sat Dec 06, 2014 8:32 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

A bit off topic, but not by much. In 2008 I bought a new Prius, touring edition. It is pimped out with all the options and I paid about $25k. Literally, over 6.5 years the only expense has been gas, oil and one set of tires. The cost of ownership has been negligible. I am a physician, and take some...
by mike143
Sat Dec 06, 2014 8:23 am
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3698

Re: Any regrets going from iOS to Android phone?

My wife went from flip phones to LG chocolate with a proprietary smartphone like interface to Android devices. When we switch from Sprint prepaid (Virgin Mobile) to AT&T prepaid (Straight Talk) I though my wife might like an iPhone that only lasted a week and she wanted an Android device. Bought...
by mike143
Sat Dec 06, 2014 8:10 am
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8724

Re: Where do you shop for groceries?

Sam's Club about once a month for ground beef, chicken breast, shredded Parmesan, fresh mozzarella, and organic greens. ALDI for most other things, Walmart for when ALDI runs our or doesn't carry and Publix for Boars Head Cheese (extra stinky, aged). Save A Lot to grab something after work because i...
by mike143
Sat Dec 06, 2014 7:58 am
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 3140

Re: 2012 Honda Pilot Tranny Fluid Change?

Most dealers suggest maintenance beyond what the manufacture recommends. Need some nitrogen in your tires? Here are the codes for a 2012 Pilot. http://s24.postimg.org/pc1xtzkmd/image.jpg Our personal Civic calls for a 3x fluid change at 110k. I am doing a 1x every 30k instead since I do it myself. W...
by mike143
Sat Dec 06, 2014 7:43 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

Per Toyota's brochure: "Hybrid vehicle battery expected life is 150,000 miles based on laboratory bench testing" Warranty: "Hybrid-Related Component Coverage: Hybrid-related components, including the HV battery, battery control module, hybrid control module and inverter with converte...
by mike143
Sat Dec 06, 2014 7:18 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7782

Re: Why So Many Used Prius for Sale?

Some people need little justification to buy a new car, so a few months of low gas prices could spur more trades/sales of fuel efficient cars. With gas prices being low dealers are probably low balling fuel efficient trades and people are selling themselves. I own a Prius and participate in priuscha...
by mike143
Sat Dec 06, 2014 6:58 am
Forum: Investing - Help with Personal Investments
Topic: My Rate of Return on my 401K was 9.83%. Is that Good?
Replies: 30
Views: 2846

Re: My Rate of Return on my 401K was 9.83%. Is that Good?

Mine. YTD Return: 11/28/2014 11.40% I didn't use BH methodologies. I have it set to rebalance into a retirement fund at the end of the year. We have a child coming in February and I want to simplify our retirement accounts so I can provide simplified instruction for my wife in case of my death. I ma...
by mike143
Sat Nov 29, 2014 6:17 am
Forum: Personal Consumer Issues
Topic: Extra Cash Back for Online Purchases
Replies: 6
Views: 1379

Re: Extra Cash Back for Online Purchases

Fatwallet and eBates are owned by the same company now. If you are going to use another cash back company check to make sure they are actually paying out, check reviews. I have had no problem with fatwallet. Most the cash back I is generated for work purchases. They provided a itemized list so that ...
by mike143
Fri Nov 28, 2014 11:30 pm
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5546

Re: Buying a Computer. Need recommendations.

I use an analogy: Remember when all you need is a Honda Civic that a Bugatti Veyron has more horsepower than a Chevrolet Corvette. I run Process Explorer in my tray so I know CPU and memory utilization at all times. It is very difficult to max out either CPU or memory on a mainstream computer (Core ...
by mike143
Fri Nov 28, 2014 2:51 pm
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5546

Re: Buying a Computer. Need recommendations.

Have you seen the new HP Stream laptops? They come in 11 inch and 13 inch screen sizes and seem to be the Windows equivalent of the Chromebook. (ie: Windows 8.1 OS, 32GB HDD, etc). Prices are $199 and $219 respectively. With the black Friday deals at the Microsoft Store right now, you should check ...

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