Search found 945 matches

by Quickfoot
Sun Sep 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Software professional salary
Replies: 10
Views: 1411

Re: Software professional salary

I was just hired as a Senior database professional and was able to command 80th percentile for my region. It's impossible for people to give you an answer because length of a career doesn't tell us what your skill set actually is. If you have 20 years' experience but you skill set is 5-10 years old ...
by Quickfoot
Thu Sep 14, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much does my commute cost me?
Replies: 15
Views: 1766

Re: How much does my commute cost me?

I've listened to audible for 2 years while commuting and it can be a very good use of time but be careful, it is distracting as it requires cognitive effort to focus on the lecture or book and that is dangerous. Hands free calling doesn't save lives because it isn't the act of holding a phone that's...
by Quickfoot
Wed Sep 13, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much does my commute cost me?
Replies: 15
Views: 1766

Re: How much does my commute cost me?

Don't bother trying to figure out your vehicle costs of commuting, it is the smallest part of commuting cost. The actual cost of commuting is opportunity cost, what else could you be doing for 100 minutes a day? If you took a shuttle you could read, listen to audio books, use a mobile hot spot and l...
by Quickfoot
Wed Sep 13, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Smart phones and data/text usage.
Replies: 31
Views: 1997

Re: Smart phones and data/text usage.

Anyone take a minimal data plan and then turn off data at the phone just so it is available if you need it? We have not taken data or text prior to last week when I added it just to be able to use Uber, or use gas finder app services here in Miami. Typical phone bill for both of us is $36 on Consum...
by Quickfoot
Tue Sep 05, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3420

Re: Bought crypto currency

Any crypto currency is gambling, not an investment. The bottom line is long term world governments aren't going to tolerate competition with government issued currency and it's going to go away. Several countries have already banned it, several more are expected to shortly. Ultimately it doesn't mat...
by Quickfoot
Tue Aug 29, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Can stocks or Bitcoin drop to about zero?
Replies: 45
Views: 3669

Re: Can stocks or Bitcoin drop to about zero?

Bitcoin? My speculation is that yes, over a period of week(s) yes it could go to zero or very low. Many things could cause this but most likely govt action (to me this is the single greatest threat as it is a govt's role to issue currency). I agree with everything you said except this. By its very ...
by Quickfoot
Tue Aug 22, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1708

Re: iPhone upgrade through Apple vs through carrier

On the Apple plan, don't you simply turn in your phone when you upgrade? If so, you are losing any equity you may have in your old phone. Well they give you a reimbursement for turning it in. Probably not as much as you'd get for selling on the private market though. Thanks. I would just weigh that...
by Quickfoot
Tue Aug 22, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1708

Re: iPhone upgrade through Apple vs through carrier

Your line fee is $110 plus $20 per phone? Or $110 total and for how many phones? I didn't realize the companies even offer subsidized phones and contracts anymore. Re: consumer loyalty...when I find a company that I like I tend to stick with them until I find myself unhappy with the service and/or ...
by Quickfoot
Mon Aug 21, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1891

Re: Dental Insurance/Costs

Most people will probably about break even or come out slightly head on dental insurance if they get twice yearly cleanings, if you get fillings or any other services you'll probably come out significantly ahead by having insurance. Most the time the only way to have lower costs by not having denta...
by Quickfoot
Mon Aug 21, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1708

Re: iPhone upgrade through Apple vs through carrier

You realize customer loyalty was designed to solely benefit companies and consumers are not rewarded for customer loyalty? It's a psychological exploit used to make consumers less price sensitive and more "sticky" and "bundling" is the same thing, we are taught how to take advantage of it in busines...
by Quickfoot
Mon Aug 21, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1708

Re: iPhone upgrade through Apple vs through carrier

Apple is the most expensive way to get an annual upgrade. If you have other carrier options consider switching, in particular Verizon does some really attractive offers on iPhones several times per year and price wise is about the same as T-mobile now (I have unlimited data, 4 lines and would save ~...
by Quickfoot
Mon Aug 21, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1891

Re: Dental Insurance/Costs

Most people will probably about break even or come out slightly head on dental insurance if they get twice yearly cleanings, if you get fillings or any other services you'll probably come out significantly ahead by having insurance. Most the time the only way to have lower costs by not having dental...
by Quickfoot
Mon Aug 21, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1891

Re: Dental Insurance/Costs

All really depends on your insurance and the dentist. A few points data points: Delta Dental of MN Plan (which is terrible) 1) Cleanings, covered at no cost 2) Brace for night teeth grinding - Zero insurance coverage, 100% patient responsibility 3) Basic fillings are covered after a $50 deductible ...
by Quickfoot
Wed Aug 16, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4906

Re: Best Housing To Avoid Noise

We started talking about avoiding noise on the 'When does renting make sense' thread. Many mentioned that owning a house does not mean less noise. They pointed out how hard it is to go through the process of selling a house if you get loud neighbors as well as the common experience of seeing that h...
by Quickfoot
Tue Aug 15, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5855

Re: Plan for making child pay for part of college

I dont get this, so do you want your kids to goto college and be successful in life? Why then do you set them up for a huge amount of student loans or having to work through college thus not being able to put 100% into what you are paying for? Room and board now exceed the yearly tuition at some co...
by Quickfoot
Tue Aug 15, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5855

Re: Plan for making child pay for part of college

I generally agree with what you are saying here. Kids can stay at home and go locally to school, even a community college. I did one year of community college built up a bunch of transferable credits and then went to state school and ended up going to a private grad school later. A buddy of mine di...
by Quickfoot
Tue Aug 15, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 6637

Re: please help...am I overextended - first home

What are you presently paying for housing? If you are renting and your rent is close to the mortgage amount that shows you can manage that monthly payment but you do need to get rid of the 401K loan. If the 401K loan isn't for the down payment you should get rid of it before you buy, I'd consider re...
by Quickfoot
Tue Aug 15, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5855

Re: Plan for making child pay for part of college

People in college need to be either working or interning, degrees don't get jobs skills and work experience do. Should they be flipping burgers? Probably not but if they want to get a job when they graduate they absolutely NEED to be working in their eventual field in some capacity. We have 3 really...
by Quickfoot
Mon Aug 14, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5855

Re: Plan for making child pay for part of college

Another approach is to fund based on grades, < 2.5 you are done, < 3.0 50% funding, 3.0 75% funding, > 3.5 GPA (A average) 100% funding. Personally I'm not a big believer parents should pay for their child's college at all. It is very much inline with "everyone get's a trophy" and "do your best, tha...
by Quickfoot
Mon Aug 14, 2017 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1895

Re: Which Audible book for Mom to convince her to get away from Raymond James

Money Management Skills by The Great Courses is really good, it's also relatively short (6 hours) and she can listen to specific lectures and it comes with a great PDF supplement, usually you get a free audio book when you signup for audible. The URL to the course is: https://www.audible.com/pd/Busi...
by Quickfoot
Mon Aug 14, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 18
Views: 2043

Re: What percent credit utilization is best?

I don't want a range, what do you think is the exact best number? I've heard 4.5% is the sweet spot, but also 2.5%. What do you guys think? Generally under 10% is accepted as good but even 20-30% can be fine depending on your situation, there is very little value in trying to refine it further than...
by Quickfoot
Sat Aug 12, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: foursquare laptop warranty for college bound daughter
Replies: 17
Views: 1063

Re: foursquare laptop warranty for college bound daughter

First it's not going to be worth $400 to repair a $800 laptop more than a year from now, computers depreciate rapidly. If it were broken or damaged would you cover the cost or would your child? If you have the ability to cover the cost don't get the warranty and stress to the child it's their respon...
by Quickfoot
Sat Aug 12, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 3691

Re: Cheapest way to upgrade iPhones ?

Glyde is a great place to buy used devices. I'm with Verizon and if you watch for promotions you can often get new phones for much less than retail, for example I'm getting my iPhone 7 Plus 128 GB for $360 less ($15 a month less) than normal because I purchased it just before Christmas last year so ...
by Quickfoot
Sat Aug 12, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1409

Re: What the best identity theft co.?

The best thing you can do is not give out information that is useful for stealing your identity, I refuse to give my social to doctors offices or most anyone else who asks for it. Police your financial documents and information to make yourself a harder target, there is value in not having financial...
by Quickfoot
Fri Aug 11, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14555

Re: How far would you travel to see The Eclipse?

I live in Boise,ID so I'm not going to have to travel at all. They are expecting hundreds of thousands of people to come to the state, personally I wouldn't travel more than 20 miles to see it. Hotels were all booked a couple years ago I guess.
by Quickfoot
Fri Aug 11, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17164

Re: Tesla - next big lottery ticket ?

The thing is as much as it likes to pretend it is, Tesla isn't innovating. The electric car existed before Tesla and many other companies offer or plan to offer electric cars. They lack a solid distribution network, they lack a solid manufacturing capability and they lack any sort of sustainable fin...
by Quickfoot
Thu Aug 10, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 17164

Re: Tesla - next big lottery ticket ?

Tesla has finally released model 3 this weekend. The reviews so far are very good. We probably are witnessing another apple when it released first iPhone, another google when it started advertising on its search items, .... We are seriously debating to invest some play money, in our case, may be $5...
by Quickfoot
Sun Aug 06, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 890

Re: Using a VPN for mobile internet

First you don't need an app to do VPN in IOS devices, support is built in so you can just use Apple's VPN support and avoid the third party app. Second IOS will show you what is using your bandwidth (as long as the app is still installed) and you can restrict mobile data usage by application, go to ...
by Quickfoot
Sun Aug 06, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3940

Re: Bose Noise Cancelling Headphones

I've had Bose noise canceling headphones for about 2.5 years and they work great for consistent background noise such as a air conditioning, engine noise, fans, road noise (dangerous if you are the driver obviously) and background conversations not in the immediate vicinity. They can be somewhat unc...
by Quickfoot
Fri Aug 04, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1952

Re: Car accident: insurance or self-pay?

Being that it's single car I imagine the repairs are being made your own vehicle? Was there any property damage done? In general I'd say let insurance handle it as they also specialize in minimizing and terminating liability which can be far more expensive than actual damages. That said if there was...
by Quickfoot
Fri Jul 28, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2945

Re: Use Guest wifi for thermostat, Roku, etc.

I separate streaming traffic (Roku), guest traffic (people/devices who don't live here), and internal traffic. I don't have IOT type devices, but would separate them also. Anything security related, such as an alarm system, would also be by itself. Keep in mind that my viewpoint comes from a few de...
by Quickfoot
Fri Jul 28, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2945

Re: Use Guest wifi for thermostat, Roku, etc.

Investor997 and jebmke brought up this issue on another thread, which I didn't want to highjack. I put my thermostat on my guest wifi network. Should I do this with Roku also, for security reasons? I don't have an Alexa, or anything else among the Internet of Things. I would not put thermostat or c...
by Quickfoot
Thu Jul 27, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Rewards Cards
Replies: 16
Views: 1610

Re: Rewards Cards

I don't open a reward card unless I intend to keep it, I have the Marriott and Hyatt cards because the free annual nights are worth twice what the annual fee is and I got 5 free nights at each as a result of opening the cards. They both also happen to be VERY well constructed cards (the Marriott is ...
by Quickfoot
Wed Jul 26, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5512

Re: GF Picking a college major

Exactly, whatever she does needs to be because it is what she wants, if she doesn't know what she wants she needs to pause and figure it out before she wastes her time and her parent's money. Sunk costs are sunk so the money they spent already may be wasted but at least they can avoid wasting more m...
by Quickfoot
Wed Jul 26, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5512

Re: GF Picking a college major

There are tons of aptitude tests and books that will help people discover careers that they would enjoy, it's odd that she didn't do them BEFORE starting college, making use of them now is probably a better choice than advice from an investing forum. If she feels a two year degree would be better fo...
by Quickfoot
Wed Jul 26, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 6120

Re: What are your monthly expenses?

36 and 37, dual income household employed as a senior technology professional and a dental hygienist, family of five. Total base expenses are $3410 which is about 23% of our pretax combined income. Having low fixed expenses is nice, lets us get by on one income if we really had to and frees up cash ...
by Quickfoot
Wed Jul 26, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Are bitcoins nonsense?
Replies: 73
Views: 4805

Re: Are bitcoins nonsense?

I agree, I just think it's important for people to remember US government bonds and currency are not riskless or even particularly low risk as some people like to claim, they just have different risk that isn't likely to be highly correlated to other assets such as equities. All it would take to dev...
by Quickfoot
Wed Jul 26, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Apple or AT&T
Replies: 16
Views: 1660

Re: Apple or AT&T

Verizon offers discounts several times per year, I've got my last 3 iPhones for 30-40% off including my iPhone 7 Plus which I got in December. It actually isn't a bad time to buy an iPhone 7 as there should be some pretty good deals and the iPhone 8 will be an incredibly bad idea (too much new techn...
by Quickfoot
Wed Jul 26, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Are bitcoins nonsense?
Replies: 73
Views: 4805

Re: Are bitcoins nonsense?

A US dollar (or US treasury issue - just another form of paper IOU) is backed by the full faith and credit of the US government. I have no idea what is backing the "value" of a bitcoin. The backing of the US Government only has weight because other countries and people say it does, the same is true...
by Quickfoot
Wed Jul 26, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Chrome vs. Safari
Replies: 5
Views: 603

Re: Chrome vs. Safari

Both Safari and Chrome are reasonably secure, both of them will have security vulnerabilities so moving from one to the other to avoid them doesn't make a lot of sense. Both Google and Apple patch security vulnerabilities relatively quickly, MUCH quicker than in the old days (15-20 years ago) where ...
by Quickfoot
Wed Jul 19, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2008 auto carry collision with 1K deductible?
Replies: 9
Views: 673

Re: 2008 auto carry collision with 1K deductible?

Nissan Maxima 2008 in good condition and 52K mileage, internet look up says it may be worth $5-$6 thousand tops battery, brakes, standard maintenance are the main expenses car used for local driving, no long distance trips anticipated, our only vehicle, expecting/hoping to last maybe 5+ more years ...
by Quickfoot
Wed Jul 19, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2458

Re: 18 year old first credit card recommendations

I'd recommend she get a secured credit card with a limit of not more than $500. That way if she goes crazy the card can be closed and paid off with the deposit, many credit unions also will do secured loans against a CD with VERY low interest that help build credit.
by Quickfoot
Wed Jul 19, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Car Wash Pass worth it?
Replies: 15
Views: 1007

Re: Car Wash Pass worth it?

Car wash passes can make a lot of sense in several situations: #1 You have a dark colored car that needs frequent washing #2 You want your car to look clean and impressive at all times #3 You get 3+ washes in a month, basic unlimited passes are usually about the price of 3 regular washes #4 It REALL...
by Quickfoot
Tue Jul 18, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Family Tents
Replies: 10
Views: 1043

Re: Family Tents

Get an 8 to 10 person tent, they size them basically shoulder to shoulder in sleeping bags and do not account for air mattresses or personal space. Regarding brand how often will you use it and in what weather? If it's once or twice a year in summer heat it probably doesn't matter what brand you get...
by Quickfoot
Tue Jul 18, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1466

Re: Car braking on downward slopes

What is the definition of riding the brakes? I thought it would be when you are on a road with a lot of curves (such as SF's Lombard Street) and you keep hitting the brakes often is what it means; however, if I am going down one long incline and I brake once and keep the brake pressed to stop the c...
by Quickfoot
Tue Jul 18, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1466

Re: Car braking on downward slopes

The computer isn't going to let RPM get to a harmful range for the transmission, it's better to let the transmission control your speed because continually breaking down a hill can overheat brakes, cause premature wear and even cause braking failure, this is especially true when people "ride" the br...
by Quickfoot
Sun Jul 16, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 14685

Re: Roll call Warren Buffet 90/10 portfolio

I always find it interesting that threads like this always seem to pop up when the market is at new highs. I'll take my hat off to the person that espouses their 90/10 portfolio when we are in the jaws of a bear market plummeting down -50%. The Dow is consistently opening at a -500 and the news is ...
by Quickfoot
Sun Jul 16, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 14685

Re: Roll call Warren Buffet 90/10 portfolio

Just curios if any of you are doing the Warren Buffet 90/10 S&P 500 & Short-term Government Bond portfolio or at least something equivalent. For myself, I do the Vanguard 500 for the stock section, but for the other part I just do High Yield Savings Account/iBonds/No Penalty CD's. What about yourse...
by Quickfoot
Sun Jul 16, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: 90:10 AA - what don't you believe about it?
Replies: 101
Views: 7161

Re: 90:10 AA - what don't you believe about it?

Buffett's concept of risk is different from folks like us who don't have that long a timeframe and, as many in this thread have pointed out, the behavioral disposition. Here's an excellent article on this issue: Contradicting Warren Buffett: When Volatility is Risk . Buffet also has the ability to ...
by Quickfoot
Sat Jul 01, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14045

Re: Bogleheads: you should be buying 10-year old cars

If 10 years is too old, how often do people buy new cars? Mine is approaching 10 years and shows no sign of age other than a nick or two. It only has 80,000 miles on it - I figure it is good for another 80K easily. yes, we already have a 9+ year old (53,000 miles) that can (we hope) do another 5 ye...