Bogleheads.org

C4NT

Thanks everyone, you are making feel a little bit better. I will wait to see if I get a bill or am billed in someway and take it from there. It's also common practice for free subscriptions to accompany purchases of some item or other without necessarily your being notified of that fact; sending to ...

C4NT

My wife is receiving multiple magazines that she never ordered or subscribed to receive. And when I say multiple, I mean multiple. So far, it has to be at least ten different magazines. They range from running to popular culture to housekeeping type magazines. All name brand, i.e., People or Food Ne...

C4NT

I actually used this promotion and switched from Cricket to Sprint this morning. The process was a little more painful than expected. I thought I could go through the process completely online but wound up having to talk to 4 different customer service reps before getting someone that could help. I...

C4NT

scouter wrote:Anyone take advantage of this offer yet? Any info or suggestions on the process would be appreciated.

I tried it and they check your credit. Since I have my credit frozen, I have to try to see if I can find out which bureau to unfreeze.

I'll report back if I get anywhere.

C4NT

PFInterest wrote:if your current 403b has good options and accepts incoming rollovers, then yes, you can move the other 403b into it.

So, it only depends on whether my new provider (Fidelity) accepts rollovers?

I guess I'll call them on Monday.

C4NT

Here is my understanding of the timeline: 1) Ringplus offers $0/mo. service 2) Sprint kills RingPlus 3) Several months later Sprint offers ~$0/mo. service 4) ??? 5) Profit! You can't make this stuff up! I have a hard time believing Sprint will ever turn a profit on a large number of MVNO users who ...

C4NT

When I first started my current job I rolled over a small retirement account from a post-doc position I just finished into a 403(b) account. This was before I started learning about investments. I have not contributed any additional funds to that account and have since started funding a 403(b) accou...

C4NT

I just heard about a sizzling deal for cell phone plans on The Clark Howard Show that I thought was worth sharing with the BH community. If you switch to Sprint before June 30 (bring your own phone) you will get a full year of free service ! You have to check if your phone(s) is/are eligible on the ...

C4NT

Clark Howard, who I am a big fan on, warned that this is most likely a power grab by banks to crush the free alternatives Venmo and Square Cash. He suspects that after they corner the market due to their size and the alternatives can no longer compete they (the large banks) will eventually charge fe...

C4NT

F150HD wrote:if one does this w/ a Citi Doublecash 2% card, this actually reduces the % you get back as it is reducing your payment.
Was discussed in a different thread months back.

Thanks, I had never thought of that (didn't see the other thread either).

C4NT

I've never been through the class, but I imagine the cheapest way to learn the material is to listen to his podcasts. I can't imagine there being much in the course that he doesn't cover in his show (save for minor details).

C4NT

Nowizard wrote:It really does not get much simpler than the three fund portfolio. Are you satisfied with the returns? If so, it is a simple proposition to rebalance as necessary.

Tim

I think you seriously underestimate the average persons understanding of investing, especially those who have no interest.

C4NT

I vote for investing up to the match, then aggressively pay down the loans.

C4NT

Can you do both, i.e., meaning enroll in the pension plan AND invest in the 401k?

I am able to enroll in my state's pension plan and contribute to a 457 and/or 403(b) plan. That is what I do, best of both worlds.

C4NT

Clark Howard, US syndicated radio host (http://clark.com/), just did a short piece on Initial Coin Offerings (ICOs), and warned that a lot of them were scams.

C4NT

For the mortgage question, I like Dave Ramsey's advice which is a 15 year mortgage where the PITI is ~25% of your take home pay.

If you are not as debt averse as I am, the same scale payment on a 30 year mortgage would be fine.

C4NT

Getting rid of both cars makes the least financial sense. Also getting rid of a 3 year old Subaru seems like a fairly significant loss. That is already a sunk cost and shouldn't be factored into your analysis. A better way to think about it is your Civic is already on a smoother depreciation curve. ...

C4NT

Thanks for the thoughts so far.

Yes, we have enough room in our Vangaurd IRAs to house both international and bond funds.

C4NT

What are your thoughts on the following 401k options? Currently we are investing only in the target retirement fund (Schwab Managed Retirement Trust Fund 0.35%). With its 0.35% ER I am contemplating switching to something less expensive but do not have a lot of options. I don't think 0.35% is terrib...

C4NT

Do you avoid international investing like Jack Bogle? Roguejim: How much international investing is a very controversial subject. To help answer the question, I wrote this suggestion: How Much International Stock? A Suggestion. I might add that when experts disagree, it is often because it makes li...

C4NT

I've heard that the old "void after 90 days" line doesn't really have any actual power, meaning banks will still cash it without a problem. But I've never tried it.

I would be more worried about losing a $X,000 check. I would just cash it and use it appropriately.

C4NT

I think a big part of the equation comes down to how often you will get to use it - which is dictated by the area of the country that you live in. We live in South Florida and my kids were in our unheated pool this weekend. I wouldn't get in it yet, but they had some fun. We can swim in it fairly co...

C4NT

I almost started to congratulate you, but then I saw your user name.

I am so sorry.

C4NT

blevine wrote:Question, why Google Play ?
You say only 5% use but why ?
What is on Google Play that is unique ?

We have ~ 6 kids movies that came with digital copies which we linked to our Google play account. It is easier to cast them then hunting down the discs. I've also purchased some TV series there.

C4NT

I've had a ROKU for quite a while (on my second model). According to Google you can add a Google Play channel. https://support.google.com/googleplay/answer/6099532?hl=en Thanks, I just saw this on Roku's website. I have Chromecast also. The way I cast Amazon Prime is I first cast my entire screen (...

C4NT

I'm currently in the market for a new streaming device. Our uses are #1 Netflix (75%), #2 Amazon Prime Video (20%), and #3 Google Play (5%). Most devices offer Netflix and Amazon together, but I haven't found any that clearly states they can do both Amazon and Google. Because they are competitors it...

C4NT

Hello All, A recent experience of mine as well as a post by sjpopp ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=204736 ) prompted me to let people know that porting a number to a new carrier automatically cancels the contract from your previous carrier. I recently switched carriers. I ...

C4NT

If you wanted to pick a person who is the opposite of a Boglehead, you wouldn't go far wrong by picking Dave Ramsey. What I will never understand is why he doesn't change his investing advice. He could easily transition to advising a low cost index fund portfolio even if still 100% equities*, and h...

C4NT

Research getting a Google number. If I remember correctly I got to choose what my number starting with an area code selection. I now have two numbers with two different area codes. My actual phone number from a state I used to live, and now my Google number is a local one. All calls & texts go t...

C4NT

Straight Talk uses Verizon's network and has reasonable plans. They also operate out of Walmart's, so I think you should be able to take your phone to your local Walmart for help transferring over. I've never been a Straight Talk customer, so perhaps others could give you more specifics but that is ...

C4NT

It depends on what the throttle speed is. Let's use 128 Kbps as your throttle speed. 1. Navigation apps are unaffected. In fact navigation uses no data... sorta. Don't take my word for it. Load up Google maps and start navigation. You can now turn off cellular connection and Google will dutifully r...

C4NT

OP here thanks for the comments so far. To OP, 8 megabits is fine for almost anything you normally want. If you are paying extra for a wifi hotspot and sharing the connection, you might find it inadequate. But for watching videos/navigating/web browsing it is fine. Watching videos (or even streaming...

C4NT

For those who use a carrier that reduces your speed after a set allotment, how slow is it? Can you still use a navigation app (like Google Maps/Driving, or Waze) or listen to Pandora at the reduced speeds? I am currently in an unlimited AT&T plan (grandfathered in) without reduced speeds but am ...

C4NT

The power issue could be bad capacitors. If your TV has bad capacitors it will take a while for the TV to turn on, and get worse and worse. The TV could have been powering up the whole time, and by the time you changed the batteries the TV turned on. That is what happened to our Samsung TV about 5 y...

C4NT

OP here, checking back in. It was a success! I installed the new sink this past weekend without any problems. I did end up using a car jack and 5-gallon bucket to hold it in place while I attached the brackets. The bucket made it harder to screw in the back brackets though. I didn't have any 2x4s or...

C4NT

Thank you everyone for the replies. I plan on doing it this weekend, so I appreciate the help. Apply silicone sealant to the rim of the sink where it contacts the counter bottom. You have steps right but may need a helper to hold the sink in the correct position while the mounting bolts are tightene...

C4NT

Hello Everyone, I would like to ask you for some advice on a DIY project I might undertake. I have a bathroom sink that sustained a large chip a while ago. I've tried several chip repair products to no avail, so I want to replace it entirely. Here are top and bottom images of the sink in question. h...

C4NT

OP here. Thank you everyone for your comments. I was worried about safety issues, so I am glad I posted. We just finished paying off ~70K in student loans last year. It feels good not to have payments. That is the reason I didn't want to finance a car, but I agree it is not the end of the world. We'...

C4NT

Hello All, My 2004 Sentra needs front struts, bushings, and an O2 sensor for the cataltyic converter (Cost of repairs ~$1500) . We were planning to upgrade in the next year or so anyway, so I don't think we want to put the money into the car. We don't want to get an auto loan, but cannot purchase th...

C4NT

Does your wife have access to a 457 or 403(b) plan as a state employee?

C4NT

Sirens

I recently blew through both seasons of Sirens, a comedy that follows three EMTs. If you liked the show Scrubs, you will enjoy this comedy.

C4NT

...you have to be a Platinum Preferred Honors account holder at BoA/Merrill, which is easily accomplished by holding $100K of Vanguard ETFs at Merrill Edge, which also gives me a ton of other benefits.)... Only on this site is this easily done. (Bold and color added by me.) This is exactly why we n...

C4NT

In some states the DMVs have moved to electronic titles and are foregoing paper titles.

C4NT

noraz123 wrote:... I find Google Hangouts combined with my Google Voice number perfect for this use case. I can send/receive texts from both my phone and my computer.

That is what I do as well (which I learned from this community). It is very nice and convenient.

C4NT

No cash...how about stocks. Even stocks of your company (if public). Can sell for cash if needed very efficiently.

C4NT

To Question #1 - I am a Dave Ramsey fan but amended our baby steps to invest up the match we got (which meant 3% for me and 6% for her). To Question #2 - After we paid off our non-mortgage debt we do follow DR's advice and contribute 15% of our gross income (not including matches) to our retirement....

C4NT

https://www.bose.com/products/speakers/wireless_speakers/soundlink-color-bluetooth-speaker.html#v=soundlink_color_white Has anyone tried this Bose Bluetooth speaker? I've had mine since June and love it. It is very easy to use and ultra portable (take it from room to room or out back). Sounds great...

C4NT

OP here. Thanks everyone for your replies. So, it sounds like they are not doing anything wrong but that they will need to tie up loose ends on the deal. They already have an accepted offer (not sure if there is escrow) which prompted the inspection. They are offering the credit based on the roof or...

C4NT

This is probably dependent on the state in which the residents live in, but I am wondering if the following scenario is ok (i.e., not insurance fraud). Friends are selling their house and inspection reveals the roof needs to be replaced. Turns out HO insurance will pay for it due to prior hail damag...

C4NT

Thanks OP! It worked for me (the $50 promo).

I did not receive anything from Amazon about this deal, but I am a regular (non student) Prime member.

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