Search found 1857 matches

by ThankYouJack
Sat Feb 17, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1144

Re: Older iPhone slowdowns - tips or considering switching?

Download the Battery Life app to see if your battery is the issue. DIY replacememts for around $29 are worth a shot. If the battery is not the issue, try turning the phone completely off occasionally. I have a 6s and will likely replace my battery in December while the $29 battery is still availabl...
by ThankYouJack
Sat Feb 17, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1144

Re: Older iPhone slowdowns - tips or considering switching?

I don't download a lot of apps, but will go through and delete some I don't use. I typically have a little over a gig of space . I think it's too less. You want more space. https://www.howtogeek.com/325537/how-much-free-space-should-you-have-on-your-iphone/ The first transition came when, regardles...
by ThankYouJack
Sat Feb 17, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1245

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

Thanks all. To point out, I was crystal clear that I wanted to cancel TV. There did seem like some language barrier with the first rep but it was ridiculous how long it took. The second guy sounded from didn't have an accent, but seemed quite fake with the apologies. I don't mind talking to sales pe...
by ThankYouJack
Sat Feb 17, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1144

Re: Older iPhone slowdowns - tips or considering switching?

For stuff like this macrumors is a better place to post. That said, if you have a mac you can download coconut battery, plug your phone in to the mac, and it will tell you what % of design capacity the battery is currently operating at. Apple typically replaces batteries showing < 80%. How old is y...
by ThankYouJack
Sat Feb 17, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1144

Older iPhone slowdowns - tips or considering switching?

Long time Apple / iPhone owner and I have an iPhone 6+. Phone seems sluggish after the last iOS update. Like when I pull my camera to try to get an in the moment picture of my kids. I've read about it this issue and tried some of the tips to speed it up but it doesn't seem to help. I don't use the p...
by ThankYouJack
Fri Feb 16, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1245

How to cancel TV and not Internet w/ Spectrum Time Warner

Last time I called to cancel cable, it was a huge PITA. Not sure if they're specifically trained to do this and not to be rude, but it was like I was talking to someone who very unintelligent and was hearing "I want to cancel cable" as "I would like to sign up for phone service too". I finally got s...
by ThankYouJack
Fri Feb 16, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5900

Re: Live / work in California - Technology Career

I've lived there, traveled there a bunch and explored a number of towns house shopping with friends (who are out there). I don't think it's worth the premium and I don't like the crowded / suburban sprawl feel of many of the areas. I think you need to go there and get a better feel for it and where ...
by ThankYouJack
Fri Feb 09, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4109

Re: Who has had a pool?

Great thanks all. Someone asked my biggest concerns and I guess just making a mistake and wasting money. Wouldn't want to spend a lot and then decide to move (I don't think we will but never know), and get pennies on the dollar. We actually have a small 15' temporary "pool" that we really enjoyed th...
by ThankYouJack
Fri Feb 09, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny tax for multiple part-time nannies / babysitters
Replies: 8
Views: 593

Re: Nanny tax for multiple part-time nannies / babysitters

Great advice, thanks. Those payroll services look great especially for the price. I may go with NannyChex but will compare the ones mentioned. I don't need anything fancy and I'm guessing they're pretty similar.
by ThankYouJack
Fri Feb 09, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny tax for multiple part-time nannies / babysitters
Replies: 8
Views: 593

Nanny tax for multiple part-time nannies / babysitters

We're going to have college students and teachers help us with our kids. It's not many hours a week, one may help 2 hours a week, the other 12 hours a week. Also, it may be just for a semester or summer as peoples schedules change and people graduate and move on. Tax wise what's the best way to hand...
by ThankYouJack
Thu Feb 08, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4109

Who has had a pool?

Who has had or built a pool, do you have kids, what kind did you have and how did/do you like it?

Unless you've owned a pool please don't respond with a pool is a waste of money, you should instead invest, play it super safe financially and watch your portfolio grow.
by ThankYouJack
Fri Feb 02, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Stopping junk mail for registered business
Replies: 3
Views: 306

Re: Stopping junk mail for registered business

mhalley wrote:
Fri Feb 02, 2018 10:06 am
Eco cycle?
http://www.ecocycle.org/junkmail
I had read through that and was going to register with dma choice but saw that the opt out is only for people and not businesses. It's more confusing than I would think :(
by ThankYouJack
Thu Feb 01, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Stopping junk mail for registered business
Replies: 3
Views: 306

Stopping junk mail for registered business

I registered a business a few months ago and have been getting a bunch of junk mail since. Today was a big catalog of supplies that are nothing related to my business. Any tips for reducing / eliminating the mailings?
by ThankYouJack
Fri Jan 19, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1337

Re: Indestructible winter gloves

Thanks all. I'll check out some of the links.

I definitely want gloves (not mittens) and waterproof is more important than warmth. I used snowboarding gloves with liners underneath before and they held up pretty well so I may get the same sort of thing if nothing else stands out.
by ThankYouJack
Thu Jan 18, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1337

Indestructible winter gloves

I'm looking for some waterproof winter gloves that can hold up to dragging my hand while sledding :)

Any recommendations? I won't use them that much so don't want to spend a lot, but will if it'll make a big different.
by ThankYouJack
Sun Jan 07, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1312

Re: Liability Issues with Organizing Meetup Events

I organized a large group boating event for 15 years (50+ people). It was fine until we got some hot doggers who decided they were going to do what they wanted, regardless of boating laws and risky behavior. We had regular safety meetings, signed waivers, etc. But when the risky behavior got trucul...
by ThankYouJack
Sun Jan 07, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1312

Liability Issues with Organizing Meetup Events

I'm a member of a pretty large organization and have been asked to organize some outings on Meetup.com. I've also thought about starting my own organization and having a Meetup group for it. All of the activities will be legal and I obviously wouldn't force anyone to do anything, but they will be a ...
by ThankYouJack
Sat Dec 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

I enjoy these coffee threads. Personally, I do not like consuming hot liquids. It's a preference as opposed to a sensitivity issue, but it closes off the world of soups and hot coffee varieties. I used to love iced coffee but thanks to one of these threads last year switched to cold brew which I fi...
by ThankYouJack
Fri Dec 22, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

Disclosure: I'm into coffee, I really like coffee, I can be particular about coffee, but I've happily consumed crappy diner coffee and dunkin donuts in the last week. WS1, I do not like Dunkin Donut but their coffee is actually pretty good. I prefer their coffee much more than the Starbucks. KlangF...
by ThankYouJack
Thu Dec 21, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tony Robbins, Jack Bogle and Unshakeable
Replies: 0
Views: 348

Tony Robbins, Jack Bogle and Unshakeable

Seems like Tony Robbins and Jack Bogle have great admiration and respect for each other. He interviewed many financial gurus for his book on Money, yet often reference Jack Bogle's advice. I'm listening to this podcast now - https://www.tonyrobbins.com/podcasts/in-pursuit-of-your-why/ and it starts ...
by ThankYouJack
Thu Dec 21, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Coffee / Espresso Maker
Replies: 5
Views: 679

Re: Coffee / Espresso Maker

Thanks all. Doesn't seem worth the $ to me at this point since I don't drink them that much. But good to know for down the road.
by ThankYouJack
Wed Dec 20, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

Americans like big cups of coffees, Europeans like small cups. At breakfast in a European hotel, I asked for American coffee. The waitress brought me a small cup of European coffee and a big cup of hot water. I asked her where is my American coffee. She said: just add the water in the coffee. Same ...
by ThankYouJack
Wed Dec 20, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Coffee / Espresso Maker
Replies: 5
Views: 679

Coffee / Espresso Maker

My other coffee post - https://www.bogleheads.org/forum/viewtopic.php?f=11&t=235111&newpost=3673367&view=unread#unread got me thinking about maybe I should buy a new coffee maker - I've had the same basic one for a while and enjoy good, fresh, light/medium roast coffee. My wife enjoys lattes and I m...
by ThankYouJack
Wed Dec 20, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12005

Re: A meal with friends yields a financial revelation

Awesome! :sharebeer I've had a similar epiphany, where I realize I don't need to worry about money. I don't have to worry about employment or reaching a specific number. It is a sense of freedom a weight off the shoulders and being able to reduce work and live a fuller life. A lot for me is from chi...
by ThankYouJack
Wed Dec 20, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

Thanks for the replies. Some good stuff, and I guess it's not just in my head :) I definitely have preferences to some local roasters and typically buy fresh whole beans and grind it just before roasting. I just think it tastes better especially considering the price difference won't set me back in ...
by ThankYouJack
Wed Dec 20, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Re: Different ways to order coffee

I like a light roast cold brew personally, but will also get a drip and drink it black or add a bit of sugar and milk if it tastes bitter. Is there a noticeable difference in taste between say a drip, pour over, Americano, etc if all is equal? What would you say is the best and/or less bitter? I'm ...
by ThankYouJack
Wed Dec 20, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4201

Different ways to order coffee

I like a light roast cold brew personally, but will also get a drip and drink it black or add a bit of sugar and milk if it tastes bitter.

Is there a noticeable difference in taste between say a drip, pour over, Americano, etc if all is equal? What would you say is the best and/or less bitter?
by ThankYouJack
Tue Dec 19, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Re: Mentally loosening the strings

I appreciate the wide range of replies and great tips. The main thing for me is to not shortchange my life as I have the means to enjoy the "steak" instead of always opting for the "cheeseburger". But many prefer "cheeseburgers" over "steak" so that's a win-win. It comes down to personal preferences...
by ThankYouJack
Tue Dec 19, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 5786

Re: Who missed out on maximizing 401k?

I missed out by a few thousand because of a change in employment and delays with our paychecks going through. I feel every American owes me a thank you for helping pay extra towards our national debt :D
by ThankYouJack
Mon Dec 18, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Re: Mentally loosening the strings

I don't think you would have as much trouble scaling back as you think you might since it is so hard for you to spend more in the first place. Seems to me that you are appropriately thoughtful before spending money but then perhaps sometimes a little too hesitant to spend it after careful considera...
by ThankYouJack
Mon Dec 18, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Re: Mentally loosening the strings

Ok maybe not the best thread title :wink: but my wife and I both grew up in homes where money was a concern, so we're naturally big savers. We're fortunate with job success and no longer worry about finances, but still have trouble splurging. We don't feel we need a bigger house or nicer cars, but ...
by ThankYouJack
Mon Dec 18, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Re: Mentally loosening the strings

Exactly what is the problem that you need to overcome? I don't see any. Are you unhappy with your current spending patterns? I'd say over-analysis on cost/value benefit and often not making a decision. Even with things like furniture if we want to go medium to high-ish end. And feeling like certain...
by ThankYouJack
Mon Dec 18, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Re: Mentally loosening the strings

Exactly what is the problem that you need to overcome? I don't see any. Are you unhappy with your current spending patterns? I'd say over-analysis on cost/value benefit and often not making a decision. Even with things like furniture if we want to go medium to high-ish end. And feeling like certain...
by ThankYouJack
Mon Dec 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3793

Mentally loosening the strings

Ok maybe not the best thread title :wink: but my wife and I both grew up in homes where money was a concern, so we're naturally big savers. We're fortunate with job success and no longer worry about finances, but still have trouble splurging. We don't feel we need a bigger house or nicer cars, but c...
by ThankYouJack
Sat Dec 16, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Personal / Professional Development Material
Replies: 0
Views: 191

Personal / Professional Development Material

My wife and I have done well career wise, live way below our means and are in great shape to reduce way down with work or early retire. So we're considering career shifts and both enjoy trying to grow personally and do work that we get lost in and is meaningful. I may pick up the book Find Your Why....
by ThankYouJack
Sat Dec 16, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 828

Re: Dryer Vent Door Replacement

Thanks all. The caulk was a pain to remove as the amount seems quite excessive. I wound up using GooGone, a caulk remover tool, razor blade, screw drivers, and pliers :) I picked up one of the vents that goes up, but that didn't fit as the base was too wide. So I got a typical cheap one with a flap ...
by ThankYouJack
Fri Dec 15, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 828

Dryer Vent Door Replacement

My dryer vent door wasn't closing well, so I cleaned off the lint and one of the clips holding the door in place snapped. The vent has a hood so it's tough to reach where the clip broke. It's also sealed with caulking glue(?) not screws so I'm not sure how to remove it and replace the whole thing. A...
by ThankYouJack
Tue Nov 28, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 682

Re: Toilet tank not refilling

Thanks all. I had removed the lid, but problem was it works the majority of the time so I can't recreate it on demand. I noticed the flapper is adjustable and it was doing sort of a double flush. So I moved the float cup to the bottom and set the flapper to min (1.6gpf). The flapper closes down much...
by ThankYouJack
Tue Nov 28, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 682

Toilet tank not refilling

I replaced the toilet fill valve on my toilet a few months ago and it was working fine. But now, maybe once out of every 10 flushes the tank doesn't refill. All it takes is a slight push on the adjuster arm of the fill value and water then goes through and it refills properly. Could the fill valve a...
by ThankYouJack
Tue Nov 28, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2971

Re: Christmas gifts for lots of kids (experiences or stock)?

Stocks? Really? I get the investing in their future thought but really how exciting is that for a kid? I remember the fond memories of waking up early on Christmas morning to the sight of multiple gifts under the tree and all us kids being exciting to open our gifts, seeing what our siblings had be...
by ThankYouJack
Tue Nov 28, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11942

Re: After financial independence, do you lose motivation for work?

I'm not quite there yet. But as I get closer and keep reducing down, I think I lose motivation to work, but not become lazy. The motivation shifts to living life to the fullest.
by ThankYouJack
Wed Nov 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 800

Re: Transfer to a Vanguard Brokerage account?

But would a brokerage account make it easier to specify lots to transfer money into a fidelity donor advised fund? I'm not sure if that's possible with a vanguard mutual fund account so I could see that as a positive. I recently set up a Fidelity DAF and funded with appreciated shares in my Vanguar...
by ThankYouJack
Wed Nov 22, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 800

Transfer to a Vanguard Brokerage account?

I receive this message when I sign onto Vanguard: Transition to a Vanguard Brokerage Account by December 8, 2017—for free! It lists a few benefits saying things can be streamlined. I'm not sure I'd see a benefit though as I keep things quite simple. But would a brokerage account make it easier to sp...
by ThankYouJack
Wed Nov 22, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2971

Re: Christmas gifts for lots of kids (experiences or stock)?

Contrary to most of the posts above, I think it's actually a good idea to give them a stock or maybe even some shares of the Total Stock Market index IN ADDITION TO a fun gift they an open and play with. Each year, you could include a short note to start teaching them about investing and the value ...
by ThankYouJack
Tue Nov 21, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 50
Views: 11549

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

There's a big difference between cost of living and average annual expenditures for 65 and older. Just because the Joneses are spending a ton in Hawaii because they have tons to burn, doesn't mean a Boglehead needs to.
by ThankYouJack
Tue Nov 21, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2971

Re: Christmas gifts for lots of kids (experiences or stock)?

Thanks all. We may just do cash -- in the past we have hidden in containers of play-doh and have also made origami with it so they don't know what bill it is until they unfold it. Custom books are good for little kids, but we've been given hundreds of books and have about 5 custom ones. We store the...
by ThankYouJack
Tue Nov 21, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1192

Re: Daycare Parting Gift

We give cash. I have a lot of friends and family who are teachers and that's what they say they prefer. They say they don't need more mugs or food :) Teachers often aren't paid enough and great ones could be making more money doing other things. They're spending a lot of time helping improve our chi...
by ThankYouJack
Tue Nov 21, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2971

Christmas gifts for lots of kids (experiences or stock)?

Having a couple young kids myself, I realize gifts are often played with two days then they go in a bin. I'm not a big gift giver/receiver or materialistic person myself. We have a bunch of kids we buys for of varying ages and locations. Was wondering if we could get everyone the same thing, ideally...
by ThankYouJack
Thu Nov 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 1009

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, ...
by ThankYouJack
Thu Nov 16, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 1009

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, b...