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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
Tue Mar 03, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2349

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
Fri Feb 06, 2015 8:40 am
 
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 5744

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 28, 2015 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2940

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
Wed Jan 14, 2015 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11398

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 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2187

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 Jan 08, 2015 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 18
Views: 2187

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 8:10 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3117

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 8:05 am
 
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2417

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
Thu Dec 25, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Cheap cell phone for security gate
Replies: 10
Views: 1729

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 20, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2193

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 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4706

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 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9357

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 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 9357

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 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6747

Re: Investing Emergency Funds?

I put it in an income fund.
by mike143
Sat Dec 06, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Funds?
Replies: 12
Views: 1198

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 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1698

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 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 873

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 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1864

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 9:48 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Underpaid at Job
Replies: 6
Views: 873

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 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1864

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 9:19 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1864

Re: What do you do with Fidelity Rewards?

Transfer to checking, treat it like income.
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: 1864

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 8:32 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 8:23 am
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3443

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 8:10 am
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8161

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 7:58 am
 
Forum: Personal Consumer Issues
Topic: 2012 Honda Pilot Tranny Fluid Change?
Replies: 23
Views: 1828

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 7:43 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 7:18 am
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7112

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 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: 2617

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
Sat Nov 29, 2014 6:17 am
 
Forum: Personal Consumer Issues
Topic: Extra Cash Back for Online Purchases
Replies: 6
Views: 1274

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 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5239

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 ...
by mike143
Fri Nov 28, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5239

Re: Buying a Computer. Need recommendations.

All your clouds belong to us.
by mike143
Fri Nov 28, 2014 4:28 am
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5239

Re: Buying a Computer. Need recommendations.

http://www.pcauthority.com.au/Feature/375815,how-to-how-much-ram-do--you-really-need.aspx

Overall, the difference between a 4GB system and an 8GB one was only 3%. You might consider that significant enough to justify an upgrade, but it’s nowhere near as transformative as you might expect.
by mike143
Thu Nov 27, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5239

Re: Strategically not paying medical bills for 90 days for a

Crow Hunter wrote:One hospital just wrote everything off rather than comply with my requests. :shock:

I saw a news story of a woman standing in front of her >$1m home and she had the same thing happen, instead of complying they wrote it off. Strange world we live in.
by mike143
Tue Nov 25, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 5334

Strategically not paying medical bills for 90 days for a dis

I had an acquaintance tell me they don't pay their medical bills right away so they can negotiate upwards of a 50% discount. This person has the ability to pay. Has anyone hear of this? I tried doing Internet research and didn't find anyone else strategically paying medical bills late. I originally ...
by mike143
Tue Nov 25, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 5334

Re: Get up to $30 back per Amex card (Small Business Sat, 11

My Blue Cash Preferred I have to manual add it. How does this work with the Fidelity Amex? Go to the website in OP above and register your card. Thanks, I am use to adding the deals from the credit card website. I was able to do it that way with the Blue Cash Preferred. I put my Fidelity info in an...
by mike143
Wed Nov 19, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8420

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Frugal Disciple wrote:I saw this offer yesterday and was wondering if it really worked. Thanks to those that confirmed. I have had a very positive experience with Amex overall I just wish more places would accept it.

Most place accept it. Most cashiers don't know if they do, you just have to try.
by mike143
Wed Nov 19, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8420

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I am going to get 4 free meals. There is also spend $5 McD get $5. I can confirm that this works without a hitch for the Fidelity Amex, USAA Amex, and Blue Cash Everyday Amex. My Blue Cash Preferred I have to manual add it. How does this work with the Fidelity Amex? Last year they had $5 back on $25...
by mike143
Wed Nov 19, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8420

Re: Vanguard launches new offering ... [Vanguard merchandise

Can someone let me know once they receive either the "Retiree in training tee" or "Social tee" if they are of sufficient thickness. I hate all the new super soft thin material that is everywhere. I am always on the look out for normal t-shirts (not super soft thin) at a good pric...
by mike143
Wed Nov 19, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16045

Re: Best way to track / monitor all your accounts

I manage my wife's and my own account separately currently in mint.com. I tried migrating to managing both of them in Quicken but had problems when we had accounts at the same institutions, it would update one of ours and error the other. I would like to get everything in Quicken. I gave up at the t...
by mike143
Wed Nov 19, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to track / monitor all your accounts
Replies: 12
Views: 1462

Re: Any experience on the 10 year alarm bateries

I put 9v lithium batteries and some die prematurely (less than a year). See the amazon reviews: http://www.amazon.com/Energizer-LA522SB ... ll_summary
by mike143
Wed Nov 19, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 17
Views: 1920

Re: Buying a lasting vehicle

We a 2012 Honda Civic LX Sedan and a 2013 Toyota Prius Two. In Florida you can buy a 2014 Honda Civic LX Sedan for $20k out the door and a 2014 Prius Two for $23k out the door. Our Civic averages 35mpg and the Prius averages 50mpg. Civic has 50k on it now, only issues was TPMS (Tire Pressure Monitor...
by mike143
Wed Nov 19, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 5442
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