Search found 123 matches

by C4NT
Thu Mar 16, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7412

Re: How Much International Stock? A Suggestion.

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...
by C4NT
Fri Mar 10, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

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.
by C4NT
Tue Feb 14, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 4093

Re: New cars or Pool?

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...
by C4NT
Sun Jan 15, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 10360

Re: $600,000. Now what?

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

I am so sorry.
by C4NT
Tue Dec 27, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 1201

Re: Streaming Device w/ Google Play & Amazon Video

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.
by C4NT
Tue Dec 27, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 1201

Re: Streaming Device w/ Google Play & Amazon Video

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 (...
by C4NT
Tue Dec 27, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 1201

Streaming Device w/ Google Play & Amazon Video

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...
by C4NT
Tue Dec 06, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: PSA - Porting a Number Cancels the Contract
Replies: 0
Views: 404

PSA - Porting a Number Cancels the Contract

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 ...
by C4NT
Tue Dec 06, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: What does Dave Ramsey mean by "ride the wave"
Replies: 29
Views: 5443

Re: What does Dave Ramsey mean by "ride the wave"

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...
by C4NT
Tue Dec 06, 2016 5:56 am
Forum: Personal Consumer Issues
Topic: 2nd cell phone in different area code
Replies: 13
Views: 1573

Re: 2nd cell phone in different area code

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...
by C4NT
Wed Nov 23, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: Need help with newer phone
Replies: 3
Views: 428

Re: Need help with newer phone

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 ...
by C4NT
Fri Oct 21, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Concerns about Reduced Data Speed on MNVO
Replies: 20
Views: 1289

Re: Concerns about Reduced Data Speed on MNVO

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...
by C4NT
Mon Oct 17, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Concerns about Reduced Data Speed on MNVO
Replies: 20
Views: 1289

Re: Concerns about Reduced Data Speed on MNVO

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...
by C4NT
Mon Oct 17, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: Concerns about Reduced Data Speed on MNVO
Replies: 20
Views: 1289

Concerns about Reduced Data Speed on MNVO

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 ...
by C4NT
Mon Sep 26, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: TV question
Replies: 8
Views: 695

Re: TV question

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...
by C4NT
Mon Aug 01, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 1073

Re: DIY Undermount Sink Replacement

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...
by C4NT
Thu Jul 28, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 1073

Re: DIY Undermount Sink Replacement

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...
by C4NT
Thu Jul 28, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 1073

DIY Undermount Sink Replacement

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...
by C4NT
Wed Mar 30, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: How long can I drive my car that needs repairs?
Replies: 22
Views: 1953

Re: How long can I drive my car that needs repairs?

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'...
by C4NT
Wed Mar 30, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: How long can I drive my car that needs repairs?
Replies: 22
Views: 1953

How long can I drive my car that needs repairs?

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...
by C4NT
Mon Mar 21, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted Raise - Company stopping 401(k)
Replies: 19
Views: 2853

Re: Unwanted Raise - Company stopping 401(k)

Does your wife have access to a 457 or 403(b) plan as a state employee?
by C4NT
Wed Mar 09, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 19919

Re: Netflix, Your Current Favorite Show

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.
by C4NT
Sat Feb 20, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 128
Views: 12269

Re: End of debit cards for me

...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...
by C4NT
Wed Jan 27, 2016 6:27 am
Forum: Personal Consumer Issues
Topic: Car Loan Paid Off, Where is my Title?
Replies: 21
Views: 16923

Re: Car Loan Paid Off, Where is my Title?

In some states the DMVs have moved to electronic titles and are foregoing paper titles.
by C4NT
Mon Jan 25, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Best Android app to send/receive texts from PC?
Replies: 7
Views: 760

Re: Best Android app to send/receive texts from PC?

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.
by C4NT
Thu Jan 07, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Sales reward - not sure what to pick
Replies: 42
Views: 3119

Re: Sales reward - not sure what to pick

No cash...how about stocks. Even stocks of your company (if public). Can sell for cash if needed very efficiently.
by C4NT
Thu Dec 10, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: $120K in debt payed of in 3 years, DW about to lose job due to PCS (moving)
Replies: 13
Views: 2251

Re: $120K in debt payed of in 3 years, DW about to lose job due to PCS (moving)

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....
by C4NT
Mon Dec 07, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Speaker for Apple products
Replies: 21
Views: 1548

Re: Speaker for Apple products

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...
by C4NT
Sat Nov 07, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim Question
Replies: 10
Views: 1253

Re: Homeowners Insurance Claim Question

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...
by C4NT
Fri Nov 06, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim Question
Replies: 10
Views: 1253

Homeowners Insurance Claim Question

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...
by C4NT
Fri Oct 09, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Buy $25 Amazon gift card, get extra $5 credit
Replies: 16
Views: 2875

Re: Buy $25 Amazon gift card, get extra $5 credit

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.
by C4NT
Thu Oct 01, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 6255

Re: Suggestions from Netlfix (or possibly Amazon) fans?

I'll second Narcos. It is about Pablo Escobar. Very good.

If you haven't already watched House of Cards, it is really good.

On Amazon, the only series I found there that I have liked is Orphan Black.
by C4NT
Thu Oct 01, 2015 10:38 am
Forum: Investing - Theory, News & General
Topic: Gold synthesis and its effects on long term store of value
Replies: 77
Views: 5961

Re: Gold synthesis and its effects on long term store of value

If you really want to worry about new sources of gold causing problems, accelerators would not be the source. Mining for gold from meteoroid (as mentioned above) is much plausible. Also, precipitating gold cations from the ocean would be economically feasible way before accelerators. Both of those w...
by C4NT
Sat Sep 19, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 53199

Re: Decided to try timing the market. 100% short on 9/17/15

No, not only did the OP sell holdings to cash, but actually went further to go negative in terms of market exposure. Just holding cash, the market exposure would be zero. The OP is shorting SPDR S&P 500 (SPY), which is an ETF holding the S&P 500 countries and itself trades like a stock for ...
by C4NT
Sat Sep 19, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 353
Views: 53199

Re: Decided to try timing the market. 100% short on 9/17/15

Disclaimer: I am not condoning market timing, nor advising anyone to follow my actions. This post does not constitute investment advice. It does not take into account your personal circumstances, please do not trade or invest based solely on this information. I disclaim any responsibility for losse...
by C4NT
Sat Sep 05, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: App that sends SMS/MMS texts via data
Replies: 10
Views: 617

Re: App that sends SMS/MMS texts via data

That's where google voice comes in. If you send and receive SMS texts via your Google voice number, they go over data. Ohhh...that's the trick? Thanks for the info. I have been using my regular cell number through hangouts. I will get that going now. As always thank you everyone for the great info....
by C4NT
Sat Sep 05, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: App that sends SMS/MMS texts via data
Replies: 10
Views: 617

Re: App that sends SMS/MMS texts via data

Hangouts is what I use as my app now and I like it, but it also sends SMS text to those users who are not using hangouts as their text manager (if that is the right terminology).
by C4NT
Sat Sep 05, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: App that sends SMS/MMS texts via data
Replies: 10
Views: 617

Re: App that sends SMS/MMS texts via data

I looked at WhatsApp, it looks to me like both users need the app or else it will be sent as an SMS.
by C4NT
Sat Sep 05, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: App that sends SMS/MMS texts via data
Replies: 10
Views: 617

App that sends SMS/MMS texts via data

I am looking for an android app that sends SMS & MMS texts to other mobile users but sends them using data rather than my cell phone plans texts. The reason being is that my wife and I have a plan that has unlimited high speed data but a limited number of texts. It is an old plan that we are gra...
by C4NT
Fri Jun 19, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story
Replies: 55
Views: 11713

Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story

"Chris Hogan is America's voice on retirement.” Dave Ramsey To start, I am a fan of Dave Ramsey. I have to say that because I listen to his podcasts and enjoy them. I also paid off all of my non-mortgage debt (~95K) in that past few years due to his motivation. I think that makes me a fan no m...
by C4NT
Fri May 22, 2015 11:28 am
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 18349

Re: Let's hear your Dave Ramsey success stories

I've been following this thread just waiting to post. As of last night we are debt free with the exception of our home mortgage. We paid off ~70k in student loans and ~18k on a car in ~3.5 years. We are very excited. I started to listen to Dave Ramsey about four years ago after learning about him on...
by C4NT
Wed Feb 25, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 403(b)/457(b) Providers
Replies: 12
Views: 1589

Re: Advice on 403(b)/457(b) Providers

I did a little digging. On the consulting group's website you have to first select what state you are in to see what your plan offers, and this group administers the plans for all 20+ colleges in the state college system as well as all of the county school districts. Clicking on different colleges a...
by C4NT
Wed Feb 25, 2015 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 403(b)/457(b) Providers
Replies: 12
Views: 1589

Re: Advice on 403(b)/457(b) Providers

Thank you all for the quick replies. You have definitely shortened my homework assignment. I will check out Fidelity and TIAA-CREF first. If I were to ask about adding Vanguard, who would I approach first; my HR department or the consulting firm that administers the plans? If the answer is my HR dep...
by C4NT
Wed Feb 25, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Advice on 403(b)/457(b) Providers
Replies: 12
Views: 1589

Advice on 403(b)/457(b) Providers

I am just about to start investing in my employers 403 or 457 retirement plan. There is no match, so up until this point it has not made sense. Below is a list of all of the providers. I need to contact them individually to determine what funds they offer in our plan. I am not familiar with many of ...
by C4NT
Fri Jan 09, 2015 11:10 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 33414

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2228.76
by C4NT
Tue Jan 06, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 6582

Re: Any men here get their wedding band on Amazon?

I bought my first tungsten carbide ring from a jewelry store. It was, in hindsight, a half-size too big. It is now somewhere in the Atlantic Ocean. My second one was purchased online. It was a fourth of the cost of the original; it is also a half-size smaller than the original. I could not tell any ...
by C4NT
Sat Dec 13, 2014 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Freeze and unfreeze credit reports
Replies: 4
Views: 1015

Re: Freeze and unfreeze credit reports

It's pretty easy. If you've got your pin, you can "thaw" them for a specified period of time online. Fees for thawing and freezing are state specific; 10 bucks in mine. The fees are worth the protection IMO. I just thawe'd one bureau for 7 days recently to open up a new cc. The cc company ...
by C4NT
Wed Dec 10, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 13897

Re: "Why Retirement at 65 is a Fairy Tale"

Terrible article. All gloom. The author's only words of advice:

That we all invest in our health and stay on the job as long as we can.


Terrible.
by C4NT
Wed Dec 03, 2014 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about Will and Trust for minor dependents.
Replies: 2
Views: 598

Questions about Will and Trust for minor dependents.

Hello All, My wife and I are going to create our first will. We should have done it a while ago, but better late then never. We will have, I assume, a pretty standard will. My question is how to set up a trust in the case that both my wife and I pass. We have a 3 yo and 0.25 yo. My sister will be bo...
by C4NT
Wed Dec 03, 2014 12:22 pm
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 4278

Re: Any regrets going from iOS to Android phone?

If you have any contacts that have also have iPhones they may have been using iMessage instead of SMS to text you. You will want to research the issue and turn off iMessage before you deactivate the iPhone. This has been an issue for iPhone defectors. Yes, thank you. I did come across this issue wh...

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