Search found 193 matches

by C4NT
Sun Jun 10, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2176

Re: Renter's Insurance for College Dorm

I wouldn't submit a claim on my homeowner's insurance. The claim, which would be small(ish), would go on your CLUE report. This could affect your rates and your ability to shop for insurance with another provider.

If you need insurance, I would go with a separate company.
by C4NT
Sun May 27, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3002

Re: Cheapest ways to watch NBA playoffs

If you want to stream any sports games, like livesoft's son, an easy place to start is Reddit. Google "Reddit stream NBA", and you will get there. Hook your PC up to the TV and you are good to go. It is not above board though.
by C4NT
Fri May 11, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 4
Views: 1314

Re: The game of 'whack-a-mole' continues (Credit Freezes)

Good post. Can we freeze our credit there too?
by C4NT
Tue May 08, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 556

Re: Last Car Loan Payment Question

whodidntante wrote:
Tue May 08, 2018 5:32 pm
Cash out refi. :happy
No we're talking... :moneybag
by C4NT
Tue May 08, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 556

Re: Last Car Loan Payment Question

Thanks, I will call. I knew in the back of my mind that is what I should do, but I hate calling 800 numbers.
by C4NT
Tue May 08, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 556

Last Car Loan Payment Question

I've paid down my car loan to the point that the next payment will be the last one( :sharebeer ), but since I've paid extra on the loan previously the balance is not a full payment. Will there be an issue with paying off the loan? Should I....? (1) Let the last payment proceed. (2) Call the bank to ...
by C4NT
Mon Apr 30, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Retiring
Replies: 9
Views: 1247

Re: Can I afford it: Retiring

I figure my budget for the 10 years until wife will be 65 for Medicare is $86K per year, ... Do you have social security or a pension to support some of this amount? I didn't see any mention of these possible sources of income in your post. My thought was not to get bogged down in details of income...
by C4NT
Mon Apr 30, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund in taxable w/ low marginal tax rate
Replies: 16
Views: 654

Re: Emergency fund in taxable w/ low marginal tax rate

Would it make sense for me to keep at least a portion of my emergency fund in taxable, or am I missing something? In your entire post, you haven't even considered how volatility would effect the size of your emergency fund and how that would affect your ability to meet your needs in an emergency. I...
by C4NT
Mon Apr 30, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Retiring
Replies: 9
Views: 1247

Re: Can I afford it: Retiring

JohnFiscal wrote:
Mon Apr 30, 2018 9:44 am
I figure my budget for the 10 years until wife will be 65 for Medicare is $86K per year, ...
Do you have social security or a pension to support some of this amount? I didn't see any mention of these possible sources of income in your post.
by C4NT
Wed Apr 25, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card that offers high limit for no fee balance tranfers
Replies: 16
Views: 941

Re: Credit card that offers high limit for no fee balance tranfers

Have you checked out Nerd Wallet or Magnify Money?

You can search and filter for offers like the one you are looking for.
by C4NT
Thu Apr 12, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 1652

Re: Best Buy, $3k TV, should I buy warranty?

I like Clark Howard's advice on product warranties...I'll paraphrase..."if you have to buy a warranty for a TV because you can't afford to replace the TV ...you can't afford the TV"
by C4NT
Thu Apr 12, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2571

Re: 29 YO With a big windfall. Invest or Pay off the mortgage?

How about 50% 50% ? If the cost of re-casting is low ($200?) I would go for that but would keep paying at the same rate if possible. Plus - how about taking 10% to live a little ? (so, 45% toward the mortgage, 45% for taxable equities, 10% to live a little) :happy Best wishes, :) 4803. +1 My vote a...
by C4NT
Mon Apr 09, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 8444

Re: Cash flow problems - best way to handle?

2) get a zero interest credit card, and hope I can pay it back by the time zero interest time period expires. I had a cash flow problem a few years ago, I went with a CC with 18 months zero interest. I paid it off in less than a year. It was a stressful time. Now have an emergency fund. Good luck.
by C4NT
Wed Apr 04, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2166
Views: 1351121

Re: The Three-Fund Portfolio

Hello Taylor, Thanks for posting this. I'm glad to see there is a "rebalancing bonus" for the three-fund portfolio. C4NT Bogleheads: Allan Roth, CPA, CFP, has completed a 17-year study about the effects of rebalancing The Three-Fund Portfolio. He found that rebalancing, not only maintained the desir...
by C4NT
Wed Apr 04, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6822

Re: Want/need some income in semi-retirement

Any Masters or Ph.D.s in the house? You could teach part-time at your local community college or commuter 4-year.

Edited to add, you can also find teaching jobs without advanced degrees at that level if you have technical experience, e.g., IT certifications, aviation repair, etc.
by C4NT
Fri Mar 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9523

Re: Resign from job or possible termination

I personally would not jump unless you received a good offer somewhere else.

Who knows you might not lose your current job. But, since it sounds like you are not happy I would double my efforts of finding a new gig.

Good luck.
by C4NT
Thu Mar 01, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3986

Re: Beginner @ 46, so much to learn.

I don't have much advice to offer, but I'd like to say welcome to the forum. You've come to the right place to learn. When I first got here I read the wiki, and eventually bought the Boglehead's Guide to Investing. I like Fidelity a lot (I have my 403(b) with them), and they generally come in a clos...
by C4NT
Wed Feb 28, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2156

Re: Does the JOBS act make being a landlord obsolete?

Forgot to add this..
doc01 wrote:
Wed Feb 28, 2018 2:59 pm
don't seem to be worth the minimal profit difference from the crowdfunded real estate sites.
What are you basing this statement on?
by C4NT
Wed Feb 28, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2156

Re: Does the JOBS act make being a landlord obsolete?

Or, you could also purchase the $200,000 house and hire a management company to manage the property. Or, you could invest in REITs. Which one would you make more money on? I don't know. But if you include being an active landlord back in the mix, I would bet being a landlord would make you the most ...
by C4NT
Wed Feb 21, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 4826

Re: How am I really doing for retirement savings?

I probably won't be much help, but I think you are doing great. I'm in a very similar situation to you, but I think you are doing better than me in the retirement game. I'm 37 with two young kids and also experience a tight budget. You've saved more than us, so congrats. I also don't know when I wan...
by C4NT
Tue Feb 20, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3623

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

Some people never learn though.

From the article:
"Seides, meanwhile, thinks Buffett just got lucky, and that the S&P’s performance over the previous decade “vastly overperformed” his expectations."
by C4NT
Sat Feb 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4787

Re: Who has had a pool?

Live in South Florida with young kids. We love our pool. I am going to install a heater next fall so we can use it year round.

If I didn't have kids I don't think I would want one though. The only times I go in is when the kids are in it.
by C4NT
Sat Jan 27, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3113

Re: Diary of a Bear Market

JCE66 wrote:
Sat Jan 27, 2018 7:11 am
Is this a thread on this board? Could you provide a link?
- Yes, that is the one. Absolutely riveting.
Yes, I've already read half of the thread.
by C4NT
Fri Jan 26, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3113

Re: Diary of a Bear Market

JCE66 wrote:
Fri Jan 26, 2018 7:41 am
The 'Sheepdog' thread is very instructive for a diary of 08-09, and the behavioral aspects of what people were going through (myself included).
Is this a thread on this board? Could you provide a link?

Edit -

I think this is the one - viewtopic.php?t=25126
by C4NT
Tue Dec 26, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Where to buy Christmas CDs and decor after Christmas?
Replies: 14
Views: 1517

Re: Where to buy Christmas CDs and decor after Christmas?

It was already slim pickings at my local Lowe's as of 12/22. I wanted to pick up another inflatable lawn decoration after the holidays because they are so expensive. I stopped in on the the 22nd for something else, and they were already 30% off but there wasn't much left.
by C4NT
Sat Dec 23, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: car thread- too much money?
Replies: 85
Views: 7627

Re: car thread- too much money?

Why do you need two cars?
by C4NT
Tue Dec 12, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 18610

Re: What to do after losing $117k in stock market?

Invest minimum to obtain any 401k matching and attack the student loans with a vengenge with every extra dollar. Make it a game to see how fast you can do it to add some excitement. +1 This would be my suggestion. This is what I did. In your 401k, invest it in the lowest cost broadest funds availab...
by C4NT
Wed Dec 06, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1750

Re: New Chromebook user, loving it, quick question

The Google app Keep is a good choice. You can find it by clicking the app menu on the top right in your chrome browser.
by C4NT
Sun Dec 03, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5896

Re: Moto G5 Plus: Software updates?

How is the camera on this phone? I love all aspects of my first generation Moto G except for the camera. Thanks! I have this phone, and the camera is great except in low light situations. Works fine for me in low light esp with HDR, was just using it last night. I'm usually taking pictures of my yo...
by C4NT
Sat Dec 02, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5896

Re: Moto G5 Plus: Software updates?

sam5 wrote:
Sat Dec 02, 2017 8:50 pm
How is the camera on this phone? I love all aspects of my first generation Moto G except for the camera. Thanks!
I have this phone, and the camera is great except in low light situations.
by C4NT
Fri Nov 17, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund Investment Strategy
Replies: 12
Views: 1354

Re: Target Date Fund Investment Strategy

You could invest in a tax efficient equity fund in your taxable account and switch your target retirement fund to an earlier year so that it has more bonds. That would be pretty simple and tax efficient.
by C4NT
Sat Oct 14, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1999

Deals on Halloween Candy

Time to go buy some candy. My neighborhood has been steadily increasing in number of kids, which I like. So, I want to put a little more thought into where I buy candy this year - it can get expensive. So, in your opinion where are the best places to buy candy? Any particular type that is a little b...
by C4NT
Sat Oct 14, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 17
Views: 2865

Re: Citi Price Rewind iPhone 7 Did They Pay You?

My understanding is they have a claim form you can file if you find a lower price they did not find. Surprised the rep didn't mention it. Yes, there is a form if you found a lower price. I've submitted about 5 purchases for rewind, and for all but 1 they found a lower price. I think I've gotten bac...
by C4NT
Mon Oct 02, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 9162

Re: Are credit cards rewards worth it?

I sometimes question some of the responses I read about cash rebate cards. If one receives an annual cash rebate of $2,500 using a 2% cash-back card that means charging $125,000 annually that card. Under what conditions would a person make personal charges of $125,000 to a credit card to obtain suc...
by C4NT
Mon Sep 25, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3664

Re: BH phone review: Moto G5 Plus

I've had one since June, and am very pleased with its performance and battery life. For the price, I don't think there is anything better out there. One minor feature that I think makes a big difference on usability, is that there is very little Motorola bloatware on the phone. Unlike Samsung phones...
by C4NT
Wed Aug 16, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: ATT wireless
Replies: 3
Views: 687

Re: ATT wireless

Cricket wireless uses ATT's towers so should have comparable coverage for a lower price.
by C4NT
Sun Aug 13, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 841

Re: Pool Pump/Filter Trouble Shooting

There is definitely a leak in the valve (mine is the same as the link below). If I pour water on top of the handle (without the screw in) it sucks it right in. I was just wondering if it was worth trying to replace the top cap and gate rather than replacing the whole valve which would involve some p...
by C4NT
Sun Aug 13, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 841

Re: Pool Pump/Filter Trouble Shooting

I do have a leak. It is coming from a diverter valve. I replaced all three o-rings, but it is still leaking. What is the next step? Is it possible and/or recommended to replace the top cap and gate, or is it time to replace the whole valve?
by C4NT
Mon Aug 07, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Pool Pump/Filter Trouble Shooting
Replies: 8
Views: 841

Pool Pump/Filter Trouble Shooting

Hello All, I am having a bit of trouble with my pool pump and could use some help. My pool pump is loosing suction quite rapidly and air builds up in the skimmer basket. If I pull my filter and hose it down (even though it isn't very dirty) the pump will be fine for a while (i.e., no air in the skim...
by C4NT
Wed Jul 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 4089

Re: Indoor activities for a 3-year-old

I have a 2 yo about to be three and a 5 yo about to be six. When we are stuck inside, some things to besides watching TV that you haven't mentioned are: 1. Playing with play dough. 2. Painting 3. Playing Hide and go seek (they are terrible) 4. Putting on music and having a dance off (I am terrible) ...
by C4NT
Fri Jul 14, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Road vehicle, 4 adults, one car seat, must it be a minivan?
Replies: 43
Views: 3150

Re: Road vehicle, 4 adults, one car seat, must it be a minivan?

I don't think they needed much convincing. The Ford F-150 is the most popular vehicle sold in the U.S., I think by a long shot. Then, numbers 2 and 3, also trucks... Wow, I did not know that. In fact I didn't believe you and had to look it up. I thought for sure it would have been a sedan like Acco...
by C4NT
Fri Jul 07, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Experience getting new credit card with frozen credit
Replies: 14
Views: 1599

Re: Experience getting new credit card with frozen credit

I had a similar experience when signing up for service with Sprint.

How did you verify that your credit went back to being frozen?
by C4NT
Fri Jul 07, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

livesoft wrote:You are kinda lucky that you have an AC outlet right next to a coax wall jack, aren't you?
There is another outlet about two feet to the right of coax jack that the power strip for the TV/cable/DVD player, so it could have been extended to there as well.
by C4NT
Fri Jul 07, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

Thanks everyone for your help. I was curious (and even a little peeved) that a new device was plugged into my house without even telling me why or what it was.

I will post a picture of the "splitter" just for anyone who is curious.
by C4NT
Fri Jul 07, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

livesoft wrote:So the OP teased us by not showing a close-up photo of the thing with 2 white coax lines connected and one black coax connected. What's all the labelling on that 'T' junction thingey?
I just wanted to add some suspense to this thrilling thread.
by C4NT
Fri Jul 07, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

Almost certainly an amplifier. The "splitter" probably isn't a splitter at all; it's a "power inserter". You don't need to take a picture of it; it may be labeled as a power inserter, and even if it's not, the end where the power is plugged in should be labeled with something like "DC-in" or someth...
by C4NT
Fri Jul 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

The device appears to be a simple AC to DC converter such as what you would use to power any low voltage DC electronic device. I am guessing this is injecting low voltage power into the coax line to power a device on the line which is not near an outlet. Similar to the way some wireless access poin...
by C4NT
Fri Jul 07, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

OP here with some pictures. Split: http://i64.tinypic.com/1ze8hs0.jpg The black coax goes to my cable box. Device (Power Supply): http://i64.tinypic.com/10h1xsn.jpg I should have taken a picture of the splitter, but didn't think of it until now. I unplugged the device to take the picture and the cab...
by C4NT
Thu Jul 06, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

Thanks for all of your posts. My first thought was some type of amplifier as well, but the coax cable terminates at the device. I would have thought that the amplifier would need to be downstream, but I guess there could be different ways of amplifying the signal. I will post a picture of the device...
by C4NT
Thu Jul 06, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 4109

Re: What is this cable device?

livesoft wrote:Post a legible photo of all the printing and lettering on the device.
I can this evening, as I'm not at home currently. I tried to do an internet search but didn't come up with anything, so I thought I would post here. I should have waited until I had a picture.