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Re: New 2013 Ford Edge Sport Should I Buy?

If you like the Ford Edge why not look around and buy a slightly used one. See below for some used Edges out by me that are around $21K for a 1-2 year old car with 24K miles. Since there are so many for sale I expect you can pick and choose what model and color you want and even negotiate a lower p...
by ohiost90
Tue Mar 18, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Final Dealer Offer Good Enough?
Replies: 19
Views: 900

Re: Traveling Wifi ?

my cell provider (VZ) , with my plan, and our phones(Samsung s3 and HTC DNA) gives us the ability to turn our phones into wifi hotspots.
by ohiost90
Sun Dec 15, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Traveling Wifi ?
Replies: 31
Views: 2403

Re: Cheap 9-10 inch tablets / Black Friday deals

Toons wrote:You said "cheap"
Get 2 :sharebeer
Tis the season
No like? Return to Walmart :happy

http://www.walmart.com/ip/XELIO-9-Table ... y/23709348


I would stay away from this one. No Google play store is a killer for me.
by ohiost90
Fri Nov 29, 2013 10:31 am
 
Forum: Personal Consumer Issues
Topic: Cheap 9-10 inch tablets / Black Friday deals
Replies: 49
Views: 3806

Re: bigger SUVs that carry 7

Not trying to be condescending at all...just trying to point out the obvious. Nothing you mention above is based on anything other than your opinion, so it is difficult to evaluate your statement that Chevy trucks are superior to Toyota's. Where is the data which reflects this? My Chevy Truck had c...
by ohiost90
Wed Nov 20, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 2861

Re: Entry level DSLR recommendations

All, Thanks for your valuable input. After consulting with the wife (who read through all the replies in this thread) we settled for the NIkon D3200 http://www.bhphotovideo.com/c/product/856049-REG/Nikon_25492_D3200_DSLR_Camera_With.html Depending on the usage we might splurge for better lenses dow...
by ohiost90
Wed Nov 20, 2013 9:35 am
 
Forum: Personal Consumer Issues
Topic: Entry level DSLR recommendations
Replies: 19
Views: 1424

Re: bigger SUVs that carry 7

still leaning that way, since I drove the Traverse and liked it enough. The rear deck is high but so what, it's big enough and comes with a roof rack and can tow, I think it'll handle our needs. I've owned an AWD traverse for almost 5 years and have been very pleased. Only one issue that was fixed ...
by ohiost90
Fri Nov 15, 2013 10:06 am
 
Forum: Personal Consumer Issues
Topic: bigger SUVs that carry 7
Replies: 55
Views: 2861

Re: digital camera buying advice

I knew I would get great advice from this website and I did. Finally I pulled the trigger on D5100 with today's ebay deal http://www.ebay.com/itm/330896115913?ssPageName=STRK:MEWNX:IT&_trksid=p3984.m1439.l2649 Thanks so much and appreciate all the responses!! You won't regret it, trust me. Afte...
by ohiost90
Fri Jun 28, 2013 9:12 am
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3318

Re: digital camera buying advice

In looking at the Sony recomemmended above, I doubt it would be able to produced the example shoots I have made public on my flicker account with any of its settings and certianly not in "auto". These were all taken with my RX100 -- I'm far from being a pro -- and all are straight jpegs r...
by ohiost90
Fri Jun 28, 2013 9:10 am
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3318

Re: digital camera buying advice

I was a point-n-shoot type of guy for years until recently buying a DSLR. In the 30+ years of owning both film and digital point and shoots, I've never taken as good as pics that I have with my DSLR and a nice 50MM 1.8f. While maybe not be up to Professional standards, I(and the kid's moms) love man...
by ohiost90
Thu Jun 27, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3318

Re: what is your opinion on when to replace a roof?

Pay me now or pay me later. Replace the roof now before water damage makes the replacement more costly.
by ohiost90
Thu Jun 27, 2013 10:22 am
 
Forum: Personal Consumer Issues
Topic: what is your opinion on when to replace a roof?
Replies: 9
Views: 855

Re: Downstairs neighbor wants to inspect my apartment

this sounds like a good time to mend some fences with a neighbor. But sounds like you don't want to even consider that nor do you want to take the time to put your undies in your dresser. So go ahead and refuse the inspection, then when the construction does do damage, have fun fighting with the nei...
by ohiost90
Thu Jun 06, 2013 7:49 am
 
Forum: Personal Consumer Issues
Topic: Downstairs neighbor wants to inspect my apartment
Replies: 34
Views: 3051

Re: Roku-ing & TV issues

Give PlayOn a try. http://www.playon.tv/buy/ Playon will allows one to stream hulu (not the subscribtion hulu +) as well as ABC, NBC, CBS, and dozens of other channels video from their website. I have it and I'm rather happy with it. More happy than with my Roku, which I've label my substribtion del...
by ohiost90
Wed May 29, 2013 10:00 am
 
Forum: Personal Consumer Issues
Topic: Roku-ing & TV issues
Replies: 23
Views: 1952

Re: ZTE V970M vs Nexus 4

I just heard about the Chinese ZTE V970M (which I think is almost identical to the V970 and N986??) as an unlocked phone sold on Amazon for $220.....sounds very similar to, and almost as good as, a Nexus 4, plus has expandable memory (which I REALLY like) and dual SIMS (which I don't need but may b...
by ohiost90
Fri May 10, 2013 2:33 pm
 
Forum: Personal Consumer Issues
Topic: ZTE V970M vs Nexus 4
Replies: 7
Views: 1089

Re: What is your 529 plan Asset Allocation?

below is the schedule I'm using for both my children. I split equities in 66%/34% domestic / non-domestic. "Cash" will either be TIPS, Money Markets or combination of the two. I have a few years to decide that. I view each 529 as separate portfolios as well as separate from each other. rig...
by ohiost90
Thu May 02, 2013 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 529 plan Asset Allocation?
Replies: 46
Views: 5885

Re: Primer on smart phones

I have an ipad also (a regular one). It is a "wifi only" : no data subscription. I use it at Starbucks, Safeway, the public library, Home Depot and any other place that has free wifi. Many restaurants have free wifi, but you have to ask them for the password. Very easy to use. In addition...
by ohiost90
Wed May 01, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primer on smart phones
Replies: 22
Views: 1381

Re: Mortgage Refinance Question

The particular rep sent me an email saying that they could reduce my rate from 4.5% to 3.875% while covering all but $900 of the closing costs. Don't know where you are at, but my bank is offering 3.875 with NO closing costs and 3.50 / 3.569 rate/ apr. What is the apr? That is what you need to be l...
by ohiost90
Tue Apr 23, 2013 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 13
Views: 928

Re: If you had a chance to remodel bath......

Completely gutting and redoing upstairs bathroom in the Summer...anyone who did this in the past, was there anything you would change or do differently if you had to do it again? Lucky3 I just completed a remodel of my master bath. Gutting to the studs in the shower and from 48" down in the re...
by ohiost90
Tue Apr 23, 2013 1:41 pm
 
Forum: Personal Consumer Issues
Topic: If you had a chance to remodel bath......
Replies: 27
Views: 2184

Re: repair car after collision or junk it?

Body shop rough estimate was $5000. It's worth about $3000 in a private sale, so it would seem not worthwhile to repair it. You are correct, it isn't worth it at all. Put this way, would you had payed 5k for your car last night? Of course you wouldn't have. Why would you do it now? There is a reaso...
by ohiost90
Tue Apr 23, 2013 10:07 am
 
Forum: Personal Consumer Issues
Topic: repair car after collision or junk it?
Replies: 13
Views: 898

Re: WiFi Internet Service

I can think of two possibilities: 1. Using an available local WIFI signal. Some PCs will tell you if there is a WIFI signal available. If there is you may be able to access it. If a neighbor has installed WIFI they may let you us it or you can make then an offer of say $10 a month to use their sign...
by ohiost90
Wed Apr 17, 2013 2:07 pm
 
Forum: Personal Consumer Issues
Topic: WiFi Internet Service
Replies: 9
Views: 1329

Re: Review my plan to ditch satellite service

How much do these antennas cost for viewing OTA channels? I see they are in the $7-70 range on amazon/best buy, but don't know which ones work and provide good reception. One can use http://http://antennaweb.org/Address.aspx/ to give them an idea the type of antenna one would need to get for a give...
by ohiost90
Wed Apr 17, 2013 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Re: Any Regrets on The Triple Play

I've had my phone service from my cable company for 3+ years now. No regrets. That being said, I want to cut my home land line service and so as I get approval from wife, I'll do it. With both of us having cells, I don't see the need for it.
by ohiost90
Wed Apr 17, 2013 10:27 am
 
Forum: Personal Consumer Issues
Topic: Any Regrets on The Triple Play [TV, internet, phone]
Replies: 44
Views: 4942

Re: Review my plan to ditch satellite service

I just ditch our cable bill in favor of a combination of OTA, a Roku, and PlayOn. It hasn't been a week yet, but so far so good. What makes it for me is the PlayOn. The benefit of PlayOn is they allow the streaming of basic HULU that the Ruko doesn't. Playon also allows streaming of video that is av...
by ohiost90
Tue Apr 16, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Re: Refinancing - opinions needed

Where did you do the comparison on Amerisave? We do have excellent credit...scores are in the low 800s. This was the only refinance quote we got. What fees do you think could be negotiated down? I would look for other quotes rather than try to negotiate. Seems a little high to me. I took a look at ...
by ohiost90
Tue Apr 16, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing - opinions needed
Replies: 8
Views: 454

Re: Legally Mine [Asset Protection Law Firm]

Does anyone know of the legal law firm calls Legally Mine who specializes in Asset protection? Does anyone know of the legal law firm calls Legally Mine who specializes in Asset protection? I took a lecture course given by the firm to satisfy my continuing education credits for my professional lice...
by ohiost90
Mon Apr 15, 2013 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Legally Mine [Asset Protection Law Firm]
Replies: 35
Views: 4546

Re: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgag

I calculate the cost difference the two loans to be $1516 or ~ 25 / month.
by ohiost90
Tue Apr 02, 2013 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 5/5 ARM (Penfed) from 15 yr fixed mortgage
Replies: 18
Views: 1618

Re: Best Credit Card with High Limit (Work Reimbursement)

JerLon wrote:...I expect to spend significantly more per month ($10,000-$25,000) and be reimbursed for all of those expenditures....

How often can you turn in expenses and how often will you get reimbursed? The reason I ask is that you can pay the CC more than 1x a month.
by ohiost90
Tue Mar 26, 2013 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with High Limit (Work Reimbursement)
Replies: 23
Views: 2353

Re: Tipping a hairdresser

travellight wrote:My plumber and hvac guys charge $79-100/hr as solo practitioners, so yeah they do make more than you.

They may gross 100/hr but no way do they net that much. Their expenses are going to drop that hourly rate considerably.
by ohiost90
Tue Mar 19, 2013 8:10 am
 
Forum: Personal Consumer Issues
Topic: Tipping a hairdresser
Replies: 85
Views: 5945

Re: Projected College Costs Realistic?

Bill Gates did not go to college.

He went to harvard for two years.
by ohiost90
Mon Mar 18, 2013 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Projected College Costs Realistic?
Replies: 58
Views: 3831

Re: Today's Internet Security, Do you still feel safe?

I believe the biggest risk is not someone stealing my userid, password, man-in-the-middle, etc, but the institutions themselves being hacked.
by ohiost90
Fri Mar 15, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: Today's Internet Security, Do you still feel safe?
Replies: 51
Views: 3099

Re: Recommendations for wireless speakers

Bowers & Wilkins makes very nice speakers. However, don't buy on spec, go listen to them with some of your favority music. good luck to ya.
by ohiost90
Tue Mar 12, 2013 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for wireless speakers
Replies: 9
Views: 1127

Re: I despise the Windfall Elimination Provision (WEP)

I'll be eliminating my WEP, based on info in this article: How to Reduce or Eliminate Windfall Elimination Provision Impact to Your Social Security Benefit Feb 15th, 2013 by Jim Blankenship. http://financialducksinarow.com/6135/how-to-reduce-or-eliminate-windfall-elimination-provision-impact-to-you...
by ohiost90
Tue Mar 12, 2013 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 1940

Re: I despise the Windfall Elimination Provision (WEP)

I don't think WEP is fair to ANY EXTENT. Wife paid into SS at full rates every month; get something way less out at retirement. Curious, how many months did she contribute with "substantial" wages as defined by SSA? 76% in our case is correct as she gets caught at the very most WEP reduct...
by ohiost90
Tue Mar 12, 2013 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 1940

Re: I despise the Windfall Elimination Provision (WEP)

This provision is applied so randomly across the board as Railroad Retirement beneficiaries even though they are covered outside of SS still can draw SS checks unaffected by WEP. Same holds true for State University employees. I know it doesn't apply to RR employees, as they always have special rul...
by ohiost90
Tue Mar 12, 2013 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 1940

Re: Anyone use iPad or iPod for auto navigation system?

davebarnes wrote:What is wrong with a PAPER map?

Just to pile on....Nothing is wrong with a paper map, just like nothing is wrong with using a phone book for numbers, or a hard back encyclopias for information, or pen and paper writing for reports and a typewriter to finish it, or graph paper for diagrams, etc etc.
by ohiost90
Tue Mar 12, 2013 7:52 am
 
Forum: Personal Consumer Issues
Topic: Anyone use iPad or iPhone for auto navigation system?
Replies: 77
Views: 4517

Re: Computer ? Yahoo with Firefox

I use Firefox with the Yahoo home page. I used to go to http://www.yahoo.com. Now I have to go to http://www.yahoo.com/?fr=fp-yie9 or it tells me requested page not found. However, when I try to sign in to yahoo, it signs me in but then tries to go to http://www.yahoo.com and gives me the requested...
by ohiost90
Sun Mar 10, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Computer ? Yahoo with Firefox
Replies: 4
Views: 494

Re: Getting out of having a swimming pool-need advice

My wife and I have been trying to find someone who can give us advice on how to either fill in, cover over, or remove the in ground pool in our back yard. So far we have had no luck. Do any of you Bogleheads have any ideas and/or can tell us what kind of a company does this type of unique work. Tha...
by ohiost90
Sat Mar 09, 2013 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Getting out of having a swimming pool-need advice
Replies: 5
Views: 801

Re: Insurance for mid-20s DINKs

What assets do you have to protect? Car(s), house(s), etc?

For life, and I maybe contrarian on this, but I don't believe you would need anything more than employee sponsored life ins given your situation.
by ohiost90
Fri Mar 08, 2013 9:44 am
 
Forum: Personal Consumer Issues
Topic: Insurance for mid-20s DINKs
Replies: 8
Views: 689

Re: Please help me make the case for a change in 401(k) opti

I believe the lower cost share classes is due to high loads upon purchase or redemtion. None of the listed share classes have loads. PTRRX Front load 0.00% Deferred load 0.00% Max. redemption fee 0.00% Total expense ratio 0.46% That isn't what I found for PTTAX PIMCO Total Return Fund Class A MUTF:...
by ohiost90
Fri Mar 08, 2013 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me make the case for a change in 401(k) options
Replies: 33
Views: 2261

Re: Please help me make the case for a change in 401(k) opti

PIMCO Total Return R PTRRX 1.1% PTTRX PIMCO Total Return Instl 0.46% PTTAX PIMCO Total Return A 0.85% PTTCX PIMCO Total Return C 0.75% Are they actually charging loads on these funds? If not, why should anyone choose anything but the lowest cost fund of these four? As I mentioned before, only the f...
by ohiost90
Fri Mar 08, 2013 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me make the case for a change in 401(k) options
Replies: 33
Views: 2261

Re: Money Lessons From 'Downton Abbey'

Does anyone know when women were finally allowed to inherit real estate and money in the UK? I don't know if inheriting real estate and other items (like securities and cash) were treated separately. Besides "Downtown Abbey", many famous novels like "Sense and Sensibility" and &...
by ohiost90
Tue Mar 05, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Money Lessons From 'Downton Abbey'
Replies: 23
Views: 3119

Re: My wife ruined my stereo speakers.

Which were likely to have been ruined, the mid-range, tweeter, bass ? Or is there a way to test them ? Or buys whole new set. A visual inspection does not show anything of consequence. Thanks well....are you sure its the speakers that have been damaged? The amp section of your reciever may have bee...
by ohiost90
Tue Mar 05, 2013 10:21 am
 
Forum: Personal Consumer Issues
Topic: My wife ruined my stereo speakers.
Replies: 27
Views: 2409

Re: SQL Coding

Is there anyone working in a profession where they are dealing with creating SQL on the daily basis? Any helpful tips to help someone who is looking into learning this for themselves? I'm attempting to learn this now due to possible career advancement.. I am in a full time position and have graduat...
by ohiost90
Fri Mar 01, 2013 11:04 am
 
Forum: Personal Consumer Issues
Topic: SQL Coding
Replies: 32
Views: 2065

Re: any boglehead cure for audiophile upgrade-itis?

Read this: http://www.matrixhifi.com/ENG_contenedor_ppec.htm it might help. You'll see even experts can't reliably tell the difference between inexpensive "good" equipment and top end "excellent" equipment. Then take 2 aspirin and go to bed until the urge to spend more goes away...
by ohiost90
Wed Feb 27, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: any boglehead cure for audiophile upgrade-itis?
Replies: 62
Views: 3669

Re: Demolished Uninsured Car

Take it to a scrap yard or sell yourself. You will get nothing from your insurance company.
by ohiost90
Tue Feb 26, 2013 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Demolished Uninsured Car
Replies: 10
Views: 739

Re: Researching Large Sedans

I'm still loving my ole' reliable 2001 Grand Prix and hoping to get a couple more years out of it before upgrading. However I'm just starting to look around and do some research on what my options will be when the time comes. I think I'd like to stick with something in the realm of the Grand Prix.....
by ohiost90
Thu Feb 21, 2013 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Researching Large Sedans
Replies: 17
Views: 1385

Re: Doing your taxes yourself vs. w/ a CPA: a test run

My income is not high enough to worry about jail time for a mistake on my tax returns. The bar for jail time is rather higher than "mistakes". exactly. The IRS thought I had not declared ~10k in income for tax yr 2010. All they wanted was the money. I suppose if I ignored them long enough...
by ohiost90
Thu Feb 21, 2013 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Doing your taxes yourself vs. w/ a CPA: a test run
Replies: 42
Views: 4744

Re: Bathroom remodel suggestions.

It is Kerdi and the manufacturer states only drywall is needed. Exactly, blue or green or white for that matter. Tom Silva and those on his show are pros. When they use it, I would be confident that they would do it correctly without any leakage. I would not be as conifdent in my own abilities to e...
by ohiost90
Fri Jan 18, 2013 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 3862

Re: Bathroom remodel suggestions.

... I used the preformed shower pan and Kerdi sheeting over blue board which is code approved. I may be wrong but I was told that green board is no longer up to code. Good luck You used a topical waterproofing method. Kardi sheeting prevents water from getting to your blue board. So in theory, any ...
by ohiost90
Fri Jan 18, 2013 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 3862

Re: Bathroom remodel suggestions.

Cement board is not waterproof so you'll still have to waterproof the floor and walls (especially on the second floor) using conventional methods or something like the Schluter system (http://www.schluter.com/). Might be cheaper to use a preformed pan out of cast iron/porcelin or fiberglass althoug...
by ohiost90
Fri Jan 18, 2013 11:26 am
 
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 3862

Re: Bathroom remodel suggestions.

Thanks all for the suggestions, and I hope I can get some more. A few thoughts responses: - I would love to have a double vanity but alas, at 52" or less room for one, I have found only 1 and it was rather costly and imho, ugly. - I'll take a look at water saving features, but I must confess, t...
by ohiost90
Thu Jan 17, 2013 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Bathroom remodel suggestions.
Replies: 53
Views: 3862
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