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Re: iPhone upgrade

OP, Re: iPhone upgrade Post by Atgard » Sun Mar 01, 2015 12:40 am Lee, the "trick" is that you're paying an extra $25-$30 per month ($300-$360 per year) for the right to buy a new iPhone for $199 every 2 years (with 2-year contract). In other words, instead of paying normal retail price fo...
by rotorhead
Sun Mar 01, 2015 3:21 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 18
Views: 1162

Re: Replace or repair dishwasher

verbose, before you make any decision to replace the dishwasher, you might want to take a look at http://www.appliancepartspros.com/ . Click on the "Get Repair Help" tab, and see how you go. They sell parts, but there are excellent "how to" videos for repairing all manner of home...
by rotorhead
Sun Mar 01, 2015 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 23
Views: 706

Re: Cell Phone Plan Shopping

There have been dozens of threads on this subject on this forum. Just type in "cell phones" in the search box upper right; and follow the links. Lots of information there.
by rotorhead
Sat Feb 21, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cell Phone Plan Shopping
Replies: 16
Views: 1748

Re: Any success stories negotiating with AT&T

As an update to my earlier post, I just got off the phone with AT&T; and am happy to report that my U-verse rate (Phone & Internet) for the next year will actually be $3.50 per month less, with slightly faster connection speed. Don't really understand how the package discount was calculated;...
by rotorhead
Thu Feb 19, 2015 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 11
Views: 974

Re: Any success stories negotiating with AT&T

There was a thread on this subject last year. The following was my response at the time. My provider is AT&T, and I'm getting ready to do the same again for 2015. Have your facts handy, and insist to be treated as a valued customer. Re: Keeping internet provider without price hikes Postby rotorh...
by rotorhead
Wed Feb 18, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 11
Views: 974

Re: Moving to Anchorage from Dallas

Hope you like cold weather. Lots of sunshine in the summer. Cost of living pretty high. I think it's not until you've been there a little while, until it sinks in the "lower 48" are pretty far away.
by rotorhead
Wed Feb 18, 2015 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Anchorage from Dallas
Replies: 30
Views: 2477

Re: Is it true VTSAX Total Market fund...

If you want another source for accurate info, take a look at these two links:

http://portfolios.morningstar.com/fund/summary?t=VTSAX&region=usa&culture=en-US

http://portfolios.morningstar.com/fund/summary?t=VTIAX

I own them both; excellent funds.
by rotorhead
Wed Feb 18, 2015 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it true VTSAX Total Market fund...
Replies: 15
Views: 1460

Re: Does anyone like the new Toyota/Lexus grilles?

As Lexus owner since 1994, I have very disappointed by their style changes, both interior and exterior, since 2007. Don't really care for them at all. My wife's car is 2002 RX-300. It's "right sized" and still looks good after 12 1/2 years. The new models have grown too large and heavy; an...
by rotorhead
Sun Feb 15, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3226

Re: Is it time to give-up on TIPS?

Re: Is it time to give-up on TIPS? Post by linenfort » Tue Feb 03, 2015 7:10 pm Very useful thread! Very useful thread indeed!! I'm enjoying the discourse very much. I'm in draw down stage, with 30% of fixed in TIPS. I appreciate the "insurance" aspect, as my pension is fixed; and if I li...
by rotorhead
Tue Feb 03, 2015 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 75
Views: 9071

Re: Fidelity or Vanguard

In my working years, my company 401k was managed by Fidelity. After retirement I rolled it over to Fidelity. Have been very satisfied with them. They have a retail store near our home, so that's an advantage; though I've only been over there 2 or 3 times. Online customer service is excellent. They n...
by rotorhead
Tue Feb 03, 2015 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 2982

Re: iphone upgrade dilemma

OldLearner is correct. I re-checked, and I erred slightly earlier. CC don't charge shipping costs nor any finance charge. However, they do collect relevant sales taxes due wherever you live.
Still not a bad way to do business.
by rotorhead
Sun Feb 01, 2015 11:21 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 18
Views: 2016

Re: Figuring Out Bond Exposure

You will have to do some of the math yourself, but here is good place to start. Morningstar info on the Vanguard Total Bond Fund (VBMFX) http://portfolios.morningstar.com/fund/summary?t=VBMFX&region=usa&culture=en-US & Intermediate Term Investment Grade (VFICX) http://portfolios.mornings...
by rotorhead
Sat Jan 31, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Figuring Out Bond Exposure
Replies: 3
Views: 389

Re: Best Personal Finance/Budgeting Online tool for a Newbie

A quite effective tool for budget planning is the 50/30/20 Rule of Thumb. http://budgeting.about.com/od/financial_rules/a/The-50-30-20-Rule-Of-Thumb.htm You can create a spread sheet easily to set it up; and very quickly will be able to see what your status is, and what you need to concentrate on. I...
by rotorhead
Fri Jan 30, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Personal Finance/Budgeting Online tool for a Newbie?
Replies: 24
Views: 1628

Re: iphone upgrade dilemma

LadyIJ, my suggestion would be to separate the phone from the service agreement. Better to pay a bit more upfront, then save it all back quickly with lower cost service plan. Before you make any decision I recommend you talk to Consumer Cellular https://www.consumercellular.com . They are a pretty g...
by rotorhead
Fri Jan 30, 2015 8:22 pm
 
Forum: Personal Consumer Issues
Topic: iphone upgrade dilemma
Replies: 18
Views: 2016

Re: Amex Fidelity CC 2% Cash Back

Leesbro63 wrote: midareff wrote: BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the administrator of the card) helped me make sure it wasn't bounc...
by rotorhead
Fri Jan 16, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11360

Re: Amex Fidelity CC 2% Cash Back

Re: Amex Fidelity CC 2% Cash Back Post by Leesbro63 » Thu Jan 15, 2015 12:31 pm midareff wrote: BTW, I had an "opportunity" to "buy back" (for lack of better terms) a year of SS last May and restart at age 65, vs. 64. SS actually took the card and FIA Card Services (they are the...
by rotorhead
Fri Jan 16, 2015 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 11360

Re: Time for a new dentist?

When my wife and I were considering changing from our quite good, but very expensive, dentist a few years ago, I asked my personal doctor during a routine consultation if there was anyone he could recommend. He didn't hesitate to recommend the dentist that he and his family used. We made the change ...
by rotorhead
Tue Jan 13, 2015 11:37 am
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4293

Re: HELOC as emergency fund - what am I missing?

Post by papiper » Sun Jan 11, 2015 12:32 pm My experience with a HELOC has been very positive. I view the HELOC not as an emergency fund, but a tool to handle short term unexpected cash flow needs to give me time to make effective financial moves with my other assets. That's exactly what we do as w...
by rotorhead
Sun Jan 11, 2015 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC as emergency fund - what am I missing?
Replies: 11
Views: 1523

Re: Quicken Premier 2015 available from Amazon for $49.99

It's also available at Costco for $49.99 (mfr's instant rebate). I just got it last week. The 2015 version includes a modified form of M* Portfolio X-Ray; and it's not too bad actually.

I still wish Quicken did a better job of sorting out Lg, Mid & Sm Caps; but I've learned to live with it.
by rotorhead
Sun Jan 11, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 2015 available from Amazon for $49.99
Replies: 2
Views: 490

Re: Payless Car Rental

A neighbor of ours just did a Payless one-way rental from Miami to West Palm Beach. The return at WPB airport was done via the Budget Rental office. Not sure what the connection is there; but having using Budget many times in the past, I think that might be a good sign. You might want to check out t...
by rotorhead
Fri Jan 09, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Payless Car Rental
Replies: 9
Views: 1221

Re: Electric Stove question

shawcroft, you've likely solved your problem by now; but for future reference and use, the website AppliancePartsPro http://www.appliancepartspros.com/ is a terrific resource for troubleshooting, repair videos, and ordering the parts required. I have used them numerous times with considerable succes...
by rotorhead
Thu Dec 25, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1910

Re: Florida Turnpike Toll-Rental Car

There are still a lot of exits that take cash. Here is link to all of them. Do your research, and plan accordingly.

http://www.floridasturnpike.com/tools_interchanges.cfm

Lovely weather now. Enjoy your trip.
by rotorhead
Sun Dec 21, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Florida Turnpike Toll-Rental Car
Replies: 5
Views: 928

Re: Having Trouble Finding a Used Car - Would you Hertz/Ente

If you are a discerning buyer, you should do OK buying a car from them. I have sold a car with the help of Auto Trader.com http://www.autotrader.com/ , and located one which I eventually purchased, after looking at several others. It's a very good resource for seeing what's available in your area, a...
by rotorhead
Fri Dec 19, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Having Trouble Finding a Used Car - Would you Hertz/Enterpr?
Replies: 20
Views: 1870

Re: What's wrong with VTIAX?

Thank you Taylor, for the acknowledgment. As I was re-reading Zweig's article, I was just absolutely struck by his emphasis on "reversion to the mean"; and why it's best to do nothing some time - if you have a good plan, and are comfortable with your AA. Hard to do with all the noise out t...
by rotorhead
Thu Dec 11, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7951

Re: What's wrong with VTIAX?

by riptide » Wed Dec 10, 2014 12:14 pm rotorhead wrote: Riptide, don't get discouraged. Decide on your investment plan, and stick with it. If it's a good plan, you will do OK long term. Others have offered some good advice here. My VTIAX was +14.6% for 2013; but it is at -2.5% YTD as I write this. A...
by rotorhead
Thu Dec 11, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7951

Re: What's wrong with VTIAX?

Riptide, don't get discouraged. Decide on your investment plan, and stick with it. If it's a good plan, you will do OK long term. Others have offered some good advice here. My VTIAX was +14.6% for 2013; but it is at -2.5% YTD as I write this. Am I happy? Not really; but my VTSAX is +12.2% YTD. One g...
by rotorhead
Wed Dec 10, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7951

Re: Replace Motor or Buy New Washing Machine?

Before doing anything check out AppliancePartsPros.com. Terrific resource; have saved me a bundle.
by rotorhead
Sun Jul 06, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1678

Re: What smartphone plan do you use?- off contract

We have been using Consumer Cellular https://www.consumercellular.com/ for 1 1/2 years now, and are very pleased with the service. One iphone 4S, and a Samsung Galaxy S2 - both work fine. CC are a MVNO, using AT&T's network. We are not heavy users; 2 phones with 600 minutes, 5,000 texts(!!), and...
by rotorhead
Sat Jun 14, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 6131

Re: Delaying Social Security benefits - information from NAS

Lots of discussions about the pros and cons of doing it either way. Everyone has to consider his/her own particular circumstances - both health and financial; and make decision accordingly, remembering there are no guarantees in life. In my case, I filed at 63; and figured out that if I lived past 7...
by rotorhead
Sun Jun 01, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security benefits - information from NASI
Replies: 31
Views: 2283

Re: sprinkler system question

We have a valve outside our house where I can turn off the water. It's easy to do; and I always turn it off if we are going to be gone overnight. I also turn the hot water heater (gas) down to minimum temp setting so it won't come on and warm up water that won't be used while gone. Not long ago good...
by rotorhead
Sun Jun 01, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: sprinkler system question
Replies: 29
Views: 2985

Re: Anyone been to Singapore?

I love to eat....Asian food; but I haven't been to Singapore since 2006, so can't say which are considered the best places now. You said you're not crazy about seafood; but that's what the locals eat. The seafood restaurants along the East Coast Parkway are the great places. The Long Beach was my fa...
by rotorhead
Sun Mar 23, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Anyone been to Singapore?
Replies: 23
Views: 2245

Re: How many Bogleheads are Wishy Washy?

I used to think I was indecisive, but now I'm not so sure. :confused
by rotorhead
Wed Mar 12, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 5549

Re: Estate Sales

gatorman, when my wife and I were moving back from Hong Kong to the U.S. in 1986, my brother-in-law gave me a bottle of Hennessy XO that was 25 years old at the time. I (sadly) finished the last of it last year; and it was absolutely superb. Replacement bottle is about $250 at Total Wine. I haven't ...
by rotorhead
Sun Mar 09, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Estate Sales
Replies: 23
Views: 2486

Re: Norway in 7 Days

If your schedule / itinerary permits, I strongly recommend seeing Pulpit Rock and Lysefjord, near Stavanger. Absolutely spectacular! http://images.search.yahoo.com/search/images;_ylt=A0LEVxsXNhlT4TEAzCJXNyoA;_ylu=X3oDMTBzOG1rbzMxBHNlYwNzYwRjb2xvA2JmMQR2dGlkA1FJMDQ5XzE-?_adv_prop=image&fr=ie8&...
by rotorhead
Thu Mar 06, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Norway in 7 Days
Replies: 10
Views: 892

Re: USAA insurance vs Geico

I don't think you can positively assume the "service is identical". You can't know that for sure until the moment of truth arrives. USAA are a great organization; and provide very good service to their members. I've had 2 auto claims and one homeowner's claim in 48 years; all were settled ...
by rotorhead
Tue Mar 04, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA insurance vs Geico
Replies: 9
Views: 1265

Re: Financial advisor wants me to roll a 401(k) into an IRA?

TwoKidsOnePayCheck, leave your wife's 401k where it is until you have had time to do much more research; and decide the best course of action. You've been given some good advice here. No need to pay all those fees. I am retired from Fortune 50 company, and left my Fidelity managed 401k in place for ...
by rotorhead
Mon Mar 03, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Financial advisor wants me to roll a 401(k) into an IRA?
Replies: 98
Views: 7790

Re: Bogleheads.org Home Page Updated

This arrangement is better; left to right always works better.
by rotorhead
Mon Mar 03, 2014 8:41 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 69296

Re: Bogleheads.org Home Page Updated

Don't like the new look. Nothing wrong with the way it was. Leave well enough alone; and don't fiddle with it.
by rotorhead
Sun Mar 02, 2014 9:52 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 69296

Re: Where to buy polo shirts?

Land's End shirts are very good quality. I've been using them for years. Try them.

Any outlet centers near where you live? There can be some good bargains there as well.
by rotorhead
Wed Feb 26, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 11641

Re: Vacuum cleaner advice

by rotorhead
Tue Feb 25, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 2263

Re: Retirement percentage advice in question

Another thing you might do is create a 50/30/20 budget worksheet, to see where your expenses are going to be. This is a very effective tool to put things in perspective; and help with the decisions needed to accomplish your goal. Here is link to one website that has info on the budget: http://www.eh...
by rotorhead
Sun Feb 23, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Retirement percentage advice in question
Replies: 9
Views: 930

Re: Key metric for a TIPS fund

Try this: http://quotes.morningstar.com/fund/bplbx/f?t=bplbx

Lots of information there. Maybe you can find what you are looking for.
by rotorhead
Sat Feb 22, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Key metric for a TIPS fund
Replies: 7
Views: 568

Re: "The White Coat Investor" -- A Gem

What a great post, Taylor. Thank you, EmerDoc; for providing a great service to your fellow medics, and to all of us with his investing advice. I especially like this item: “I would encourage you to do your own taxes at least once. You will be surprise how much you learn about money, the tax code, a...
by rotorhead
Fri Feb 21, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: "The White Coat Investor" -- A Gem
Replies: 14
Views: 5115

Re: USAA Auto Insurance?

Re: USAA Auto Insurance? Postby THY4373 » Thu Feb 13, 2014 2:27 pm rotorhead wrote:It is United Services Automobile Association after all; and we are members, not customers. That is true for the "full-members" (officers), it arguably doesn't apply to legacy members like me who qualify via...
by rotorhead
Wed Feb 19, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 10174

Re: What are reliable refrigerator brands these days?

Our GE fridge, model TFX22ZRSM, is still going strong for soon to be 19 years. It's noisy, but still works very well. I did repair the ice maker couple of years ago with the assistance of http://www.appliancepartspros.com/ . Was not hard to do. For any who are inclined to do your own repairs, I hear...
by rotorhead
Mon Feb 17, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 11197

Re: Consumer Cellular with 4G-LTE android smartphone

Far as I know the Galaxy SII is not a 4G-LTE phone. It is capable of HSPA, which is also called 4G; HSPA uses 3G towers. 4G-LTE is much faster than 4G and uses different towers. I've used both on Consumer Cellular. You'll need to configure a 4G-LTE phone differently, or it won't work very well on C...
by rotorhead
Thu Feb 13, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 7935

Re: Consumer Cellular with 4G-LTE android smartphone

I use a Samsung Galaxy S2 android on Consumer Cellular, and every time I "go on the network" I get 4G. Most of my data usage is via Wi-Fi; but whenever I do go directly to network, the signal is very strong. For those folks who don't need a lot of minutes/texts/data, I strongly recommend C...
by rotorhead
Thu Feb 13, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 7935

Re: FORUM'S UPCOMING 7TH BIRTHDAY

What a resource this forum is!! Since discovering it about 4 years ago, our financial health has been steadily improving. I'm so grateful to all who have contributed so much to its success.
by rotorhead
Thu Feb 13, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1601

Re: USAA Auto Insurance?

Re: USAA Auto Insurance? Unread postby john94549 » Wed Feb 12, 2014 11:20 pm It's really too funny. USAA "members" really do call themselves "members", not customers. As others have noted, there's even a hierarchy within the "membership"; some get SSA dividends, some d...
by rotorhead
Thu Feb 13, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 10174

Re: USAA Auto Insurance?

The OP hasn't responded as to whether he is eligible for membership in USAA or not yet; so all our suggestions may be moot. Having said that, I've been a satisfied USAA member for 48 years; with auto and home insurance. I just recently did a test to see if GEICO would really be cheaper. So I got an ...
by rotorhead
Tue Feb 11, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 10174
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