Bogleheads.org

C4NT

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"

C4NT

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...

C4NT

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.

C4NT

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...

C4NT

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.

C4NT

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.

C4NT

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...

C4NT

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?

C4NT

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 ...

C4NT

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...

C4NT

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."

C4NT

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.

C4NT

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.

C4NT

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

C4NT

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.

C4NT

Why do you need two cars?

C4NT

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...

C4NT

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.

C4NT

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...

C4NT

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.

C4NT

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.

C4NT

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...

C4NT

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...

C4NT

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...

C4NT

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...

C4NT

Cricket wireless uses ATT's towers so should have comparable coverage for a lower price.

C4NT

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...

C4NT

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?

C4NT

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...

C4NT

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) ...

C4NT

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...

C4NT

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

How did you verify that your credit went back to being frozen?

C4NT

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.

C4NT

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.

C4NT

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.

C4NT

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...

C4NT

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...

C4NT

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...

C4NT

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...

C4NT

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.

C4NT

My cable provider was at my house recently performing some maintenance and installed a new device. The coax cable going to one cable box is split and the split coax cable goes to small device that is plugged into an outlet. The device is a little bit larger than a typical AC/DC converter plug. Does ...

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...

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