Search found 100 matches

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: 2061

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: 544

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: 2458

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: 1940

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: 1033

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: 977

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: 977

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: 2567

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: 5293

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: 4688

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: 332
Views: 36369

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: 332
Views: 36369

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: 410

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: 410

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: 410

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: 410

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: 15
Views: 3861

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: 14355

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: 945

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: 945

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: 945

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: 25277

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: 4876

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: 929

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: 12831

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: 522

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: 3838

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...
by C4NT
Wed Dec 03, 2014 11:26 am
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3838

Any regrets going from iOS to Android phone?

I have a iPhone 4S and recently bought a Samsung Galaxy S5 for $1 on a Black Friday deal. The phone will be delivered on Friday, and as I am researching ways to transfer my content I am having second thoughts. This is my second iPhone. I had a 3G prior to my 4S and so have had an iPhone for ~6 years...
by C4NT
Wed Nov 26, 2014 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

Re: How should wife counter salary offer within current co.?

Hmmm, it now seems like OP's spouse was going to negotiate even without any help from the peanut gallery. In any event, I learned some things from this thread, so thanks for starting it. :) I did title the thread " How should wife...," not " Should wife..." and the thread did gi...
by C4NT
Tue Nov 25, 2014 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

Re: How should wife counter salary offer within current co.?

OP Here My wife spoke with HR yesterday and made her case. After looking over this thread, which helped her develop her talking points, she requested the increase be 8%. They came back with 7.3% which put her salary at the next round number. She was happy to make some progress and accepted the offer...
by C4NT
Sun Nov 23, 2014 11:31 am
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

Re: How should wife counter salary offer within current co.?

OP here. Thanks again for all of the comments. For a little more background, my wife has not been with the company that long. In that time however, this was the second time she was asked to apply for a leadership position by her superiors. She did not think the first time was the right time. This ti...
by C4NT
Sat Nov 22, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

Re: How should wife counter salary offer within current co.?

OP here. As always, thanks to everyone for their advice. The way I see it, we (she) has three options: 1) take the offer as is 2) request an increase 3) demand an increase As many have pointed out, since she is unlikely to choose option #3, she does not have any leverage and so does not have much to...
by C4NT
Fri Nov 21, 2014 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

Re: How should wife counter salary offer within current co.?

lululu wrote:Any way to find out what people in comparable positions in the company are making?


No, she said that is not possible.
by C4NT
Fri Nov 21, 2014 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 6347

How should wife counter salary offer within current co.?

My wife recently applied for and was offered a leadership position within her company. The new position will incur greater responsibilities. The offer was only a 5.7% raise. She was expecting a 15-20% raise based on her previous management salary with a previous employer (which was in a similar fiel...
by C4NT
Mon Jul 07, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1972

Re: Replace Motor or Buy New Washing Machine?

Hello All, This is a comparable washer to the one we have - $449 + tax. So you save $265 max for an old machine. Here is what I would do (and I also could repair it as you describe but over the years have learned it is not worth it): 1. Unplug the thing and leave it unplugged for about 48 hours. The...
by C4NT
Sun Jul 06, 2014 5:54 pm
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1972

Re: Replace Motor or Buy New Washing Machine?

Hello All, Thank you for the quick replies. Prompted by livesoft I did find a lower price on a different (replacement?) part number which looks like should work for our machine. It lowered a bit, but not that much. That tips the scales towards replacement a bit more, but am still undecided (leaning ...
by C4NT
Sun Jul 06, 2014 5:18 pm
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1972

Replace Motor or Buy New Washing Machine?

Hi, I am wondering what the best course of action is on a broken washing machine. Our current washing machine of unknown age (at least 3 yo, came with house...but not significantly older than that) is not working. Replacement motor* is $265.54 $209.77 all in. I am confident that I would be able to r...
by C4NT
Thu Mar 20, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 10700

Re: Options for the medical grad but no residency

Does she have a passion for teaching? My college has a fairly large nursing program, so our science department has several faculty that teach A&P. Several are MDs.
by C4NT
Wed Mar 12, 2014 2:54 pm
Forum: Personal Consumer Issues
Topic: Should I contact ins. co. about possible homeowners claim?
Replies: 5
Views: 844

Re: Should I contact ins. co. about possible homeowners clai

There was no damage but they charged me with a claim. I sent a letter to corporate with the email about not being a claim. It took awhile but the claim was removed from CLUE. Lesson learned. Good Luck. Thanks, that is all I needed to hear. I will not contact them unless we plan to submit a claim. I...
by C4NT
Wed Mar 12, 2014 10:54 am
Forum: Personal Consumer Issues
Topic: Should I contact ins. co. about possible homeowners claim?
Replies: 5
Views: 844

Should I contact ins. co. about possible homeowners claim?

Because home owner rates are so high and only offered by a few companies in south Florida I am paranoid about submitting homeowner claims to my insurance company. See: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=94417 We did not submit a claim in that instance and never have. We just fo...
by C4NT
Tue Dec 10, 2013 12:28 pm
Forum: Personal Consumer Issues
Topic: Holiday Gift for new Preschool Teachers
Replies: 7
Views: 510

Re: Holiday Gift for new Preschool Teachers

Hello All, Thanks for the replies. I will definitely go with a gift card. Not sure which one though. I do not want to go with Target or Walmart just because I think it is too generic. I was leaning towards Panera Bread as there is one nearby the preschool, but as mentioned above they may not like it...
by C4NT
Tue Dec 10, 2013 9:32 am
Forum: Personal Consumer Issues
Topic: Holiday Gift for new Preschool Teachers
Replies: 7
Views: 510

Holiday Gift for new Preschool Teachers

Hello All, We recently enrolled our 2 yo in a new preschool on Nov 11 of this year. We previously had her in an in-home day care. We will be giving her previous in-home day care provider her usual gift (one week pay + small non-monetary gift), but I am unsure what/if we should give to her new teache...
by C4NT
Tue Nov 05, 2013 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Mint.com?
Replies: 8
Views: 3584

Re: Alternatives to Mint.com?

I use mint.com, and every once in awhile there is a hiccup regarding an account (similar to your experience). I have found that the issue(s) always resolves itself in less than a week.
by C4NT
Fri Aug 02, 2013 8:09 am
Forum: Personal Consumer Issues
Topic: Best Internet price?
Replies: 9
Views: 1161

Re: Best Internet price?

I have heard Clark Howard (radio show) talk about Freedom Pop several times. If you are a light user, they are a viable option if they service your area. You may also want to check out Howard's site for more information about this and other services he has talked about on the air. Disclaimer - I hav...
by C4NT
Thu Aug 01, 2013 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey close to 100% stock
Replies: 65
Views: 7027

Re: Dave Ramsey close to 100% stock

He also stated that "asset allocation is bogus" after recommending to a 65 yo not to buy any bonds. He said that those in the financial industry are lemmings for suggesting people buy bonds. His investing advice (IMHO) just gets worse and worse the longer I listen. ( Link to show archives ...
by C4NT
Fri Jul 26, 2013 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 11082

Re: Question on "Rich Habits"

Wow, thanks...I wasn't even close to coming up with that one.
by C4NT
Fri Jul 26, 2013 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 11082

Question on "Rich Habits"

There have been a variety of internet news articles recently written ( Link.1 , Link.2 ,to link a few) on the book Rich Habits - The Daily Success Habits of Wealthy Individuals by Thomas C. Corley. I have not read the book, but many of his findings from comparing the daily habits of "rich peopl...
by C4NT
Fri Jun 28, 2013 10:57 am
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4928

Re: Roomba vacuums

jaj2276 wrote: The Roomba is a bit loud so scheduling it while no one is home is key.



+1

I worked from home the other day, and it was quite annoying. Coming home and seeing the results, but not experiencing the noise is nice.
by C4NT
Fri Jun 28, 2013 9:48 am
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4928

Re: Roomba vacuums

I got the iRobot Roomba 650 because it has the scheduling feature. It costs about ~$50 more than the 630, but I think it is worth it for that feature. Runs everyday at 10:00 am. In my research it seemed that the new 700 series wasn't that big of an upgrade from the 600 series. A previous poster ment...
by C4NT
Fri Jun 28, 2013 8:30 am
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4928

Re: Roomba vacuums

I purchased a iRobot Roomba 650 for my wife for Mother's day (yes I bought my wife a vacuum for Mother's day...but she LOVES it), so I only have a little more than a months experience. However, in that time we love it. We do not have steps, but have mostly tile floors with several area rugs. It roll...

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