Search found 1129 matches

by Cosmo
Wed Nov 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Tutoring Income
Replies: 16
Views: 2426

Re: Declaring Tutoring Income

My wife started providing some tutoring services earlier this year and it unexpectedly grew into more business than she (we) thought. ... Thanks, Cosmo Cosmo, my spouse is considering offering tutoring service in our neighborhood. Could you and others please share how to start and grow a tutoring s...
by Cosmo
Sun Oct 22, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2564

Re: how often to upgrade phone?

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Is this even supported by Apple? If you are using it solely as a dumb phone, that would be fine. Otherwise, you would not want to use as there will likely be a l...
by Cosmo
Sun Oct 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2564

Re: how often to upgrade phone?

I found this statement from the article quite dubious (You could sell after four, but by then your phone will have degraded in performance and battery life quite a bit, so most people will probably upgrade before then.) My last phone was running fine after 5 years, and the only reason I upgraded wa...
by Cosmo
Sun Oct 15, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4464

Re: Amazon Prime - Decline in Delivery Service?

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently. ^This. If anything, the deliveries ...
by Cosmo
Sun Sep 24, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6621

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

Was listening to local news radio today on the drive in. An interesting cautionary tale about home buying during hurricane season. One individual just bought a house right before Harvey hit and his previous home was still under contract. Both homes were lost were lost in the storm and neither had f...
by Cosmo
Sun Sep 24, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6621

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

I would have left town on 8/23 , I think that's your biggest mistake. You gambled and got lucky and your house didn't flood, but whats to say it would be the case next time. You could have decamped to Austin for a couple of days. Evacuating smaller areas with a harsh storm imminent is a no-brainer,...
by Cosmo
Sun Sep 03, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 13413

Re: Florida Hurricanes: When and where to go?

Houston has excellent evacuation plans that work given time. So Rita was not the "Last hurricane", Ike was. The problem is they have never been really tested yet since Ike. Since Ike alone, the population has increased around 30%. This will require an even longer amount of time to evacuate safely. ...
by Cosmo
Thu Aug 10, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 8136

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by Cosmo
Sun Aug 06, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 9223

Re: LED light bulbs

I did some research recently on LEDs because it seemed I was having a lot of failures, especially in the enclosed fixture in my shower. Apparently, some LEDs are not designed to be used in enclosed fixtures because of heat build up. Some of the newer ones are as the result of different design. This...
by Cosmo
Fri Jul 28, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6160

Re: TSA Pre-check for free

I was told that Pre Check TSA is totally random. My unscientific survey says that we get Pre check TSA 1/6 times. Is it worth it? That's for you to decide. I don't fly enough for it to matter but with Pre Check TSA, you no longer need to be there 1.5 hours ahead of time for domestic flights. Cosmo
by Cosmo
Thu Jul 27, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1770

Re: Buying a vacation home in San Diego

Those seven hour or so flights coast to coast are not much fun. Seems like an odd place to buy a vacation home given where you live now. To me, it would make more sense to buy a house there when you are ready to move there and just rent a place for vacations. That way you can vacation in different ...
by Cosmo
Thu Jul 27, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30800

Re: What you wish you had known entering your late 20's

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wait a minim...
by Cosmo
Thu Jul 27, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5354

Re: Why is everything done with a mouse?

I guess Personal Consumer is the best subsection for this question. Before this gets locked, could a few Boglehead coders out there just tell me: Everything is so mouse-driven on websites, and before the web, I remember hitting Y or N or a number to move things along. At Vanguard, you can start log...
by Cosmo
Sat Jul 15, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3723

Re: What am I missing here? [I'm a bachelor]

Yes. What you would pay in nominal terms over 30 years if you kept the house that long and paid off the loan is not a very informative comparison to current rent. If inflation stays positive, the loan payment is decreasing in real terms over time. The homeowner's mortgage deduction from taxable inc...
by Cosmo
Sat Jul 15, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3790

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 15, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 3790

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 08, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2136

Re: Buying a house in FEMA flood zone X

Talk to the neighbors, if there has been any problems they will tell you (complain to you) If they are new, ask them who has lived in the area the longest, ask them You will learn more from them then any municipal or FEMA map......Gordon While I agree with this in principle, the problem with this i...
by Cosmo
Sat Jul 08, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2136

Re: Buying a house in FEMA flood zone X

A common misunderstanding exists that a 100-year flood is likely to occur only once in a 100-year period. In fact, there is approximately a 63.4% chance of one or more 100-year floods occurring in any 100-year period. Flood events greater than the 50-year flood occurred at intervals of 4 to 192 yea...
by Cosmo
Sat Jul 08, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2136

Re: Buying a house in FEMA flood zone X

Dear all: We put in an offer for a house in NJ and was accepted by the owner. Today, I found out that the house is in FEMA flood zone X and as per my real estate agent we don't need flood insurance. The house is in great condition and it fits all our needs. We are concerned about the flood zone X. ...
by Cosmo
Sat Jul 08, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Term Life Insurance - what age to buy?
Replies: 13
Views: 1131

Re: Term Life Insurance - what age to buy?

Curious to hear opinions on those who have been through this already. Im 28, recently married, no kids. Income $165k/yr. Wife makes $105k/yr. Only debt for us is our house mortgage (1445/month) Cars paid off. College paid off. Etc etc. 401k maxed out for each of us yearly. Backdoor roth maxed out f...
by Cosmo
Sun Jul 02, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8760

Re: LED Flood Light Question (CREE/FEIT/Etc)

In my case, the existing cans were well-anchored so I didn't need anyone to hold them down. There were a couple with big gaps between the can and the drywall cuts, so I took the opportunity to fill those gaps (although the lip on the retrofit lights would have covered those gaps anyway). For the va...
by Cosmo
Sun Jul 02, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8760

Re: LED Flood Light Question (CREE/FEIT/Etc)

I just installed about 40 of these at my mothers, last year. I just used some generic retros from HD. I suggest two people, I had one of my guys go in the attic and hold down the can, went smooth and quick, given the existing cans weren't screwed down and some slightly bigger in diameter that I had...
by Cosmo
Sun Jul 02, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8760

Re: LED Flood Light Question (CREE/FEIT/Etc)

I followed this thread when it originally came out. Ended up doing 30+ of these: http://www.homedepot.com/p/Commercial-Electric-5-in-and-6-in-White-Recessed-LED-Trim-with-2700K-90-CRI-CER6730MWH27/206950542?MERCH=REC-_-PIPHorizontal1_rr-_-206887082-_-206950542-_-N No failures so far. They look far ...
by Cosmo
Sun Jul 02, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 8760

Re: LED Flood Light Question (CREE/FEIT/Etc)

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go ...
by Cosmo
Sun Jun 25, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2494

Re: Worth it to attemp repair on A/C condenser?

Hello all, I have 2 zones of central air in my home. Each has an air handler and an outside condenser. The upstairs zone was changed out completely about 2 years ago. I have both zones serviced every year religiously. The most recent servicing of the downstairs unit was about a month ago. My heatin...
by Cosmo
Thu Jun 22, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4259

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by Cosmo
Thu Jun 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17780

Re: Poll: 401K Match

I recently learned a brother-in-law has a 200% match on his 401K. I am curious as to what the match is on most 401Ks. I'm sure some of the choices on this poll will be poor, but I think it might be interesting anyway. Try to fit yourself into a category, if you don't, then pick other and explain be...
by Cosmo
Sat Jun 03, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: WHAT!? Us! Double comma! Can I pull back?
Replies: 27
Views: 4425

Re: WHAT!? Us! Double comma! Can I pull back?

TallBoy29er wrote:Combined you pull in $260 k per year. Maxing 401k's would put you at $234 k before taxes. That's a solid income. We obviously don't have your full situation, but on its face, it seems like there should be room in your budget to cash flow the effort.
+1
Cosmo
by Cosmo
Thu Jun 01, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 6541

Re: Used 2013 Audi A5 or New Honda Accord Sport

I love German engineering. I don't like German engineering repair costs. I'll take the Honda Accord Sport, please...

Cosmo
by Cosmo
Thu Jun 01, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 2966

Re: Do you have a bucket to pay your mortgage or pay from core?

whodidntante wrote:I use a bucket when I wash my car, but not for my mortgage.
+1

For a working stiff such as myself, any buckets I have are empty and I make any future payments with dollars I don't have yet.

Cosmo
by Cosmo
Thu May 25, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major home and auto hail damage claim - now what?
Replies: 8
Views: 1199

Re: Major home and auto hail damage claim - now what?

I also disagree with the poster who said it was a nightmare. It was a pretty easy process for us. Not sure if the process varies from state to state but here in Texas, I suspected hail damage so I filed a claim with the insurance company. Within a week, I had the insurance claims adjuster meet with ...
by Cosmo
Sun May 21, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 2482

Re: Tire Puncture - plug from outside or patch and plug from inside

I'm automotive technician we are not allowed to use the plug from the outside the tire kits. All tires must be prepped, plugged, and patched from the inside per tire manufacturers and the Rubber Manufacturer Association. These are the standard guidelines any shop should be using. These rules have c...
by Cosmo
Sun May 21, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4584

Re: Need new Router/Wifi Networking Ideas

Hopefully you don't have AT&T U-verse. While you can set up a mesh network with AT&T U-verse, it is a bit more complicated.
by Cosmo
Thu May 18, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 2482

Re: Tire Puncture - plug from outside or patch and plug from inside

Just take to Goodyear Tire and they will plug for free.
by Cosmo
Sun May 14, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 5558

Re: Can you suggest a mortgage lender who does not resell

My understanding is that Wells Fargo doesn't resell the servicing of mortgage loans. You'd want to confirm that with them, though. While I agree with this, the problem is they are seldom competitive when it comes to shopping around for a mortgage. Since they are my incumbent bank, I always look to ...
by Cosmo
Sat May 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 4514

Re: Interested in lake property

Save your money and rent a vacation place or cabin instead. You will still come out way ahead even it you rent it 10 times per year. The honeymoon will be over in a few years when the home requires maintenance and you end up spending portion of your weekend time working on your second home keeping i...
by Cosmo
Tue May 09, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6946

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

https://finance.yahoo.com/news/gundlach-shorts-sp-500-etf-says-passive-investing-myth-214252048.html Furthermore, he argued that pension funds are abandoning their fiduciary duty by opting for passive investments. And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emergi...
by Cosmo
Tue May 09, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4668

Re: Best salads

Love spinach salads!

Base: Spinach

Extras: Egg, 1/2 avocado, onion, carrots, cucumber, bacon bits from breakfast, whatever lunch meat (turkey, ham, etc) cheese, salt, pepper

dressing: 2/3 olive oil, 1/3 balsamic vinegar

Cosmo
by Cosmo
Sun May 07, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3806

Re: Swing Set 2700.00??

Three possible results: 1. Your kids love it, use it for several hours a day until they are middle schoolers. 2. Your kids get bored with it after a couple of weeks. 3. You have the best set in the neighborhood and there are always 20 kids in your backyard even when you aren't home. I've seen all t...
by Cosmo
Sun May 07, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3778

Re: First 100 mile bike ride

That's why tomorrow's brunch is going to be great. I did 4 100-mile days in a row. Always had a chicken=fried steak with mashed potatoes plus biscuits to break up each day's ride. The first time I did the MS150 from Houston to Austin, I carried water and only ate at Whataburgers and Blizzards at Da...
by Cosmo
Sun May 07, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3778

Re: First 100 mile bike ride

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already? Man that's a lot of climbing. I would do a good 70 mile ride prior t...
by Cosmo
Wed Apr 26, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 6102

Re: $300+ to remove a racoon. Really?

Hi guys Has anyone had any experience trying to remove a raccoon from crawlspace or attic. I have one (possibly a mother with babies) that I need to get rid of quick due to work that needs to be done in my crawlspace. I've tried a couple of DIYs, like ammonia around the entry/exit point, critter re...
by Cosmo
Sat Apr 15, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -Filing an Extension for Mother
Replies: 2
Views: 362

Taxes -Filing an Extension for Mother

My elderly mother has been in the hospital for the last several days and she will not be able to do her own taxes. All of my sisters are totally freaking out about it and were going to call the IRS and ask them what to do. I told them (they are all in another state) that she needs to file Form 4868....
by Cosmo
Sat Apr 15, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1835

Re: radio alarm clock that projects the time on the wall or ceiling

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light ...
by Cosmo
Sat Apr 15, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1944

Re: Pay off debt or fund retirement accounts?

I do not think you should live without an emergency fund. Banks can revoke your card and if so, likely when you need them most. The advice above to use a cc as your emergency fund is risky. The OP would still have around $5,000 left in the emergency fund and would have TWO credit cards to use in th...
by Cosmo
Sat Apr 08, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2866

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

If you are that obsessed about having CarPlay, then just get an aftermarket "CarPlay" for your Mazda. Sony makes one:

https://9to5mac.com/2016/12/08/sony-aft ... available/
by Cosmo
Sun Apr 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 12469

Re: Saving 50% of salary; what does it really mean?

They mean after tax. That seems like it should have been the obvious answer to you. Actually, you would be wrong assuming that "should have been the obvious answer". I interpret that as 50% of gross income. Why shouldn't I look at it that way, when a potentially large chunk of your salary...
by Cosmo
Thu Mar 30, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Two iPhones, one iCloud account, ring just one phone
Replies: 10
Views: 2113

Re: Two iPhones, one iCloud account, ring just one phone

Check in two places. Settings------>FaceTime and Settings----->Messages. It is important that each of you only have your own phone numbers (and emails) checked. Finally, go to Settings-----> Phone and make sure you disable wireless calling. It is not necessary to have two Apple IDs! This should fix....