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Re: Best Coffee Maker? What do you have?

I have Technivorm Moccamaster and like it a lot.
by newkidontheblock
Wed Jul 23, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 26
Views: 1080

Re: Reaching Severe Burnout - Can I Scale Back Career?

I feel your pain and empathize. I have lived this life for the past 5.5 years and my wife is still living under enormous amount of stress. We have 2 young kids. They are 2.5 and 5 years old. I had a job in technical sales. It offered flexible work hours, working from home, working in latest technol...
by newkidontheblock
Wed Jul 23, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 33
Views: 2157

Re: Help me select a streaming media device

I own 3 apple tv's, 3 rokus and 1 chromecast. I used Chromecast for a short time but I replaced it with a Roku stick. It was for a TV in our bathroom and Chromecast requires you to have a Iphone, Ipad to stream content. Roku stick is the same size of Chromecast but does not require another device. I...
by newkidontheblock
Wed Jul 23, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Help me select a streaming media device
Replies: 24
Views: 1593

Re: Reaching Severe Burnout - Can I Scale Back Career?

I feel your pain and empathize. I have lived this life for the past 5.5 years and my wife is still living under enormous amount of stress. We have 2 young kids. They are 2.5 and 5 years old. I had a job in technical sales. It offered flexible work hours, working from home, working in latest technolo...
by newkidontheblock
Wed Jul 23, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 33
Views: 2157

Re: Pet fish recommendations

Most of the stores that sell fish will test you water for you.
You can buy automate feeders to feed the fish while you not home on on vacation.
Lighting in the aquarium can be controlled via a timer to simulate day and night time.
by newkidontheblock
Mon Jul 21, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Pet fish recommendations
Replies: 22
Views: 1536

Re: Full time vs IT contract

hi read the posts. I am independent contractor. Can please some body shed light on 50K solo 401. I am not aware of it. The employee gets to put in 17.5k. The company can contribute 20-25% of the salary (based on the structure of the company) as a match up to 52k/employee. You can do the same thing ...
by newkidontheblock
Mon Jul 14, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time vs IT contract
Replies: 29
Views: 3433

Re: Full time vs IT contract

I was a contractor for 10 years and I only had 2 clients in that time. Both of my employers had lay offs where many employees were laid off and I was able to continue. Your job security is ultimately dependent on what you do and the how valuable it is for your employer. I did get raises as a contrac...
by newkidontheblock
Wed Jul 09, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time vs IT contract
Replies: 29
Views: 3433

Re: I found a new coffee.

Can the "coffee snobs" share their coffee of choice? I rarely if ever drank coffee until about 10 years ago (age 33 then). Every time I was served weak/watery Folgers (parents or church). Someone was always putting sugar and cream in it. I was in Seattle for work and had "good" ...
by newkidontheblock
Thu Jul 03, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5234

Re: Vanguard solo 401K site usability issues

I was in the middle of asset allocation so I took the stop gap measure of getting money into money market fund first.
In future I will select which funds I need to purchase automatically when new money is invested.
by newkidontheblock
Mon Jun 30, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard solo 401K site usability issues
Replies: 3
Views: 207

Vanguard solo 401K site usability issues

Hi: In the past I had solo 401K accounts at Fidelity and Schwab. I was buying vanguard funds and ETF's so I decided to open a Solo 401K account at Vanguard. The account needs to be opened in a small business website. I filled the form to open the account I chose just 1 fund at that time. When I logg...
by newkidontheblock
Mon Jun 30, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard solo 401K site usability issues
Replies: 3
Views: 207

Re: Directv

If you prefer Satelite service DirecTV is your best option. I had Dish network for a few years and their customer service calls were routed to India and the customer service was awful. I had DirecTV for 6 years and generally got good service. However I got tired of pay $130 a month and dropped Direc...
by newkidontheblock
Tue Jun 24, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2417

Re: cable cutting questions

It has been a month since we cut the cable. My wife did complain about where all the channels go? I brought up saving $100 per month. I used Airplay to show her House Hunters International We use Tivo daily to watch some shows we are recording. We use Hulu plus a few times so still debating if I sho...
by newkidontheblock
Tue Jun 24, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4949

Discover card asking me to update my income

I have had my discover card since 1993 when I was going to college. I got an email from them that telling me that they need me to update my income. They said that they are required by law to do so. I have always paid my balance in full. My current balance is around $9000 that I will pay in full. I w...
by newkidontheblock
Tue Jun 24, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Discover card asking me to update my income
Replies: 9
Views: 946

Asset allocation suggested by Personal Capital

I signed up for personal capital last year. I don't remember if they asked me question about my age, tax bracket etc. I am 44 in 33% fed tax bracket? My wife is 37. We live in MN. Our current asset allocation is 10 % Reits 10% small cap value index 17.5% Tips 17.5% total bond market index 25% Total ...
by newkidontheblock
Sun Jun 22, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation suggested by Personal Capital
Replies: 1
Views: 296

Re: Cutting the cable cord - how did you do it?

Cut the cord last month. I was paying $130 per month to DirecTV. I already had amazon prime and netflix. I also have apple tv and roku. I had a DirecTV guy come in to repair some wiring. I paid him $60 to install a huge antenna in my attic. Do you see the irony in that. Tested the channels available...
by newkidontheblock
Wed Jun 18, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4379

Re: Question about Vanguard Solo 401K

I called Vanguard. They were able to change my investment options. They told me that I can initially transfer my funds into money market or directly purchase funds. I also learned that since I have a Solo 401K account they waive all fund minimums. So I can buying funds every month no matter how smal...
by newkidontheblock
Wed Jun 18, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard Solo 401K
Replies: 7
Views: 782

Question about Vanguard Solo 401K

Hi: I just opened a Solo 401k account at Vanguard. I haven't made any contribution yet. When I was opening the account I may have select vanguard total bond market index fund as investment option. I was hoping to park the money in money market fund and than make purchases. I have logged into my acco...
by newkidontheblock
Tue Jun 17, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard Solo 401K
Replies: 7
Views: 782

Re: Engagement Ring - Diamond Help

I bought my engagement ring 9 years ago. I purchased it from http://www.uniondiamond.com Pricing was fair and whole experience was painless. I have bought more jewelry from this place since that time. My wife did participate it the ring selection so I had to learn about diamonds. I purchased 1 Carat...
by newkidontheblock
Tue Jun 17, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 57
Views: 3084

Re: Fidelity taking many days to settle ETF Trades

I called Fidelity. They told me that ETF's and Stocks take 3 days to settle. I bought on 10th so it will settle on 13th. Cash is available to buy another security but I shouldn't sell that security before my first trade is settled. Even in Schwab the same thing must be going on but they don't call o...
by newkidontheblock
Thu Jun 12, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity taking many days to settle ETF Trades
Replies: 9
Views: 414

Re: Fidelity taking many days to settle ETF Trades

I have had accounts at Fidelity and Schwab for many years. I don't have margin account at either of these brokers. Now that I look back a years ago I had a problem at Fidelity so this is not the first time. I sold the same ETF in Fidelity and Schwab on Monday. Four days later cash is not settled in ...
by newkidontheblock
Thu Jun 12, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity taking many days to settle ETF Trades
Replies: 9
Views: 414

Re: Fidelity taking many days to settle ETF Trades

This is rather shocking for a broker with a great reputation. I rebalance once a year so I did not notice this before. Selling an ETF is a basic activity that each broker should be able to handle. I have accounts in Vanguard, Fidelity and Schwab. I did not think I needed 3 accounts and I wanted to c...
by newkidontheblock
Thu Jun 12, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity taking many days to settle ETF Trades
Replies: 9
Views: 414

Fidelity taking many days to settle ETF Trades

I have 2 separate accounts in Fidelity and an account in Schwab. I executed the same trade in each of these accounts. I sold VEU. In schwab the cash became available ASAP and I was able to purchase VXUS. In fidelity I have been waiting for 3 days and it still shows that cash is not available. I am t...
by newkidontheblock
Thu Jun 12, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity taking many days to settle ETF Trades
Replies: 9
Views: 414

Re: Help with Long overdue Portfolio Rebalancing

Thanks for your suggestion. I reviewed Vanguard Total International Index and it did change in 2010 and now has Small Cap stocks in it. Since I own FTSE All World Ex US in my taxable I will not sell it but I will start contributing to total international index from now now. I am going to just have s...
by newkidontheblock
Fri Jun 06, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Long overdue Portfolio Rebalancing
Replies: 3
Views: 339

Help with Long overdue Portfolio Rebalancing

I am 44 and my spouse is 37 live in MN Fed Tax Bracket 33% Only loan is 15 year fixed rate mortgage at 2.5% current balance is $265K I did not list our 7 month emergency fund and our kids 529 plan balances in this portfolio. Plan to boost the emergency savings to 12 months. I have solo 401K in Fidel...
by newkidontheblock
Fri Jun 06, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Long overdue Portfolio Rebalancing
Replies: 3
Views: 339

Re: cable cutting questions

Thanks for the tip on Plex Server being able to stream directly from the website.
I have a Mac Mini that is used as an ITunes server. I also have Synology 712+ so I will install Plex Media Server on one of them and use to watch shows from HGTV.
by newkidontheblock
Fri May 23, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4949

Re: Control4 system user experiences?

I looked at Control 4 a few years ago when I was building a house. I was looking for music distribution system at that time. I did not select Control 4 because at that time it did not support a lot of different music formats, it did not have a web interface and it still required a dealer to make the...
by newkidontheblock
Fri May 23, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Control4 system user experiences?
Replies: 6
Views: 442

Re: cable cutting questions

Thank you all for your suggestions. You have given me a lot of think about. My Tivo Roamio and 3 minis are still sitting in a box. I plan to install them this weekend and get rid of DirecTV. I have Synology NAS 712+ which does have a Plex package. I have roku devices which can view content from Plex...
by newkidontheblock
Fri May 23, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4949

cable cutting questions

Hi: I am about to get rid of my DirecTV where I pay $130 per month. We have 4 TV's , HD and DVR service with HDTV. I have already installed a large antenna in my attic. I already had Netflix and Amazon prime. We have apple tv and roku. My wife watches real housewives in Atlanta, general hospital. We...
by newkidontheblock
Wed May 21, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4949

Options for prepaid mobile broadband

I am a consultant who has to work on client sites all the time. Many of the clients provide guest wireless I can use on my personal laptop but there are times when they restrict access to sites even on their guest network. I have AT&T as my cell phone provider and my phone does allow internet sh...
by newkidontheblock
Fri May 16, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Options for prepaid mobile broadband
Replies: 8
Views: 579

Re: St Maarten

I also prefer staying on the French side. We stayed in Alamanda resort on the french side. It was right no beach. It was not an all inclusive but included breakfast. We did not rent a car for the entire trip and hotel shuttle picked us up. We did rent a car for a few days and were able to explore th...
by newkidontheblock
Wed May 14, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: St Maarten
Replies: 10
Views: 1179

Re: Recommended Brand/Model for a Heart Rate Monitor?

I just purchased garmin forerunner 110 after a lot of research. I like it so far.
by newkidontheblock
Fri Mar 14, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 871

job change impact on benefits

Hi: I may be changing jobs in near future. I was looking into how this will affect my spending accounts. Medical FSA It seems to me that I can spend up to the full amount before I leave but I will forfeit any amount I have left over in the account. I read that if I stay on COBRA I may have access to...
by newkidontheblock
Mon Mar 10, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: job change impact on benefits
Replies: 1
Views: 294

Re: AT&T Mobile Users: Check your plans

I had a pay as you go phone and a subsidized phone. I was paying $165 per month for 1400 minutes, 2 lines and unlimited data. My data usage never went above 1 GB. I was able switch to 2 GB shared plan with unlimited talk, text for $90. I may even get corporate discount. It is quite a drop from $165 ...
by newkidontheblock
Mon Mar 10, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6692

Re: When is the best time to book a flight?

I just read an article about this topic. I think it mentioned 54 days before the flight leaves is the best time to buy the tickets.
by newkidontheblock
Wed Mar 05, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1239

Re: Cutting cell phone expenses

Since I am under contract until November I switched to AT&T Mobile share plan. The best deal was 10 GB data, unlimited talk for $130. I may even get employer based discount on top of that. In November I will get my phone unlocked and switch to mvno like Consumer Cellular. Many thanks for your su...
by newkidontheblock
Tue Mar 04, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1946

Cutting cell phone expenses

Hi: I have been AT&T customer for over 18 years. We have a family plan which gives us 1400 minutes and unlimited data to me and 300 MB to my spouse. I get 23% discount due to my current employer. We pay $140 per month. I got my phone in November of 2012 so I am still under contract. My wife purc...
by newkidontheblock
Mon Mar 03, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Cutting cell phone expenses
Replies: 20
Views: 1946

Re: Moving from midwest to Australia

This is an amazing thread and this is an awesome community. I can't name another place where I folks are so willing to share their experiences.

Thanks
by newkidontheblock
Sat Feb 22, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2884

Re: Moving from midwest to Australia

Yes I will be on the work visa. I will have the option to apply for Permanent residence but I will not do that until I am sure we will live there. Quality of life is the primary reason for considering this change. If I was just looking at financial side of things this move will not make sense. Slowe...
by newkidontheblock
Fri Feb 21, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2884

Re: Moving from midwest to Australia

I plan to rent for 1-2 years before purchasing anything. So I hope to avoid this real estate loss streak.
by newkidontheblock
Fri Feb 21, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2884

Re: Moving from midwest to Australia

For us good school for kids is a lot more important than proximity to a beach. We will go to beach a few times a month so even 1 hour driving distance is not a big deal. We don't mind using public transportation at all. My job will certainly require car. If they were not driving on the other side we...
by newkidontheblock
Fri Feb 21, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2884

Moving from midwest to Australia

I am in my early forties, married with 2 young children. Live in MN. Both I and my wife have good jobs. I have a technical sales job. I have lived in MN for the past 22 years. My wife moved here when we got married from East Coast. I was self employed IT consultant for a long time so I have a good n...
by newkidontheblock
Fri Feb 21, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2884

Re: buying latex mattress online

Check out the site called mattressunderground.com as they have a lot of good information about purchasing latex mattresses. I have not used foam by mail but I have purchased two latex mattresses from sleepez.com I chose dunlop for the bottom layer and talalay latex for the top layer. I get warm rath...
by newkidontheblock
Mon Jan 27, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 970

Combining multiple brokerage accounts

Hi: I have been investing in Vanguard funds/etf's for a long time. Many years ago when I was self employed Vanguard did not offer Solo 401K so I opened that account in Schwab. My current employer based 401K is at Fidelity My Wife's current employer 401K is at Vanguard My old solo 401K is at Schwab M...
by newkidontheblock
Fri Jan 03, 2014 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Combining multiple brokerage accounts
Replies: 1
Views: 248

Re: Wi-Fi Thermostats: Nest and Ecobee

I currently have Honeywell 7 day programmable Thermostat. I can program temps for morning, evening, night and day time for each day. I live in a 2 story home with a finished basement so features like Nest auto away are not helpful. Other than being able to view/change temps on Phone apps and web int...
by newkidontheblock
Thu Jan 02, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Wi-Fi Thermostats: Nest and Ecobee
Replies: 31
Views: 3732

Re: How to fight work place bullying

Thank you so much for all your responses. Manager is managing 3 people. This manager used to have direct report but they were taken away. She got them back because of quick turnover of 2 managers. Other two in the team have been around for 10 plus year. They seek out the manager twice a day for guid...
by newkidontheblock
Sat Dec 21, 2013 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4934

How to fight work place bullying

My wife switched jobs this year. She was stressed at her previous job and was working long hours. In her field working long hours is typical. She was doing very well in her old job but wanted change after working there for 7 years. Many people said bad things about her new employer when they heard s...
by newkidontheblock
Fri Dec 20, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fight work place bullying
Replies: 76
Views: 4934

Alternatives to TIVO

Hi: I am slowing working towards cutting the cord. Currently we have DirecTV with 1 HD DVR, 3 HD Tuners and are paying around $125 per month. Current service allows us to watch recording shows from any of our 4 TV's in our home. We watch local sports, HGTV, Scandal, General Hospital. I am getting an...
by newkidontheblock
Tue Nov 19, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 10
Views: 5782

Re: Acura RDX or BMW X3?‏

If you plan to own the car for 10 years than Acura will be better car for you. I have owned Acura's, Porsche's, BMW's, Audi's. Handling of German car's like BMW's is superior to luxury cars made by Japanese manufacturers. Once your BMW is out of warranty you are looking of expensive maintenance char...
by newkidontheblock
Mon Nov 11, 2013 12:01 am
 
Forum: Personal Consumer Issues
Topic: Acura RDX or BMW X3?‏
Replies: 34
Views: 4045

Re: New cellphone

I recently purchased Nokia 520 for $99 from the Microsoft store. AT&T did let me unlock it so I sent to my parents in India. I have seen prices as low as $80 for this type on slickdeals.net Once my current contract is over I will be saying bye bye to AT&T and switching to Consumer Cellular. ...
by newkidontheblock
Fri Nov 08, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3651

Re: Have you ever used your credit card's warranty extension

Yes I did with my Discover Card last month. I purchased IPAD 64GB for $699 last year. I did not buy apple care. Last month it stopped worked and I was over the 12 month standard warranty duration. There was not damage to the IPAD. I took it to the apple store and they gave me a statement showing tha...
by newkidontheblock
Fri Nov 08, 2013 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Have you ever used your credit card's warranty extension?
Replies: 27
Views: 2434
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