Search found 1290 matches

by bloom2708
Wed Feb 22, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 8
Views: 634

Re: Roku 3 vs Amazon FireStick

I've had them all. I personally prefer the user interface of the fire tv stick, but I'm currently using a Roku, because the Roku works better with my shoddy comcast internet service. I also like the headphone jack in the remote. My personal opinion is that if the fire tv stick is doing what you nee...
by bloom2708
Wed Feb 22, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 8
Views: 634

Re: Roku 3 vs Amazon FireStick

Amazon Fire TV (box) is faster than the Amazon Fire Stick. Roku 3 (box) is faster than the Roku 3 Stick. Having had both, I prefer the Amazon Fire TV/Stick. You get access to all the Amazon Prime content. I feel the Amazon Fire TV UI is overall a better experience, but they both are very good. Plays...
by bloom2708
Wed Feb 22, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 48
Views: 2662

Re: ringplus mobile premium plans - what is your experience?

I moved my two lines from RingPlus to Ting this morning. It took about 2 minutes. Restarted each phone and they were up and running. I reset up voice mail on each line. Disabled texting and data from the Ting dashboard. These phones are just basic call only phones. Ting did make the port out very ea...
by bloom2708
Wed Feb 22, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Thank You! & One-Year Lookback
Replies: 2
Views: 192

Re: Thank You! & One-Year Lookback

Well done. Simplified, yet diverse portfolio. Debt coming down. Savings up. Filling up (or close to filling) your Roth, HSA and 401k. Your 45 or 50 year old self will thank you tremendously. Stay the course and as your wealth builds revisit your asset allocation to make sure you are taking the risk ...
by bloom2708
Tue Feb 21, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Have to hold bond fund in Taxable account-how to buy
Replies: 8
Views: 360

Re: Have to hold bond fund in Taxable account-how to buy

I like having the Vanguard Int-Term Tax-Exempt Bond Index (VWITX/VWIUX) in taxable to buy (when funds available) when stocks are racing ahead of bonds. (like present day).
by bloom2708
Sat Feb 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2590

Re: Wifi Router Advice

I have an Afoundry from Amazon. Mostly good reviews. Lots of power and features. It was under $99.

You can spend 30 to 400. Read reviews and research the options. Good luck.
by bloom2708
Fri Feb 17, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: http://www.hp-drivers-download.com/?
Replies: 18
Views: 468

Re: http://www.hp-drivers-download.com/?

I second that these driver sites tend to be full of adware, bloatware and other things you don't want. Not to judge, but it is time to get a new computer. For under $300 you can get a computer that is many times faster with Windows 10. For under $500 you can get a pretty darn nice laptop, all in one...
by bloom2708
Fri Feb 17, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 3526

Re: Vanguard Web Site Down?

Down for me also.
by bloom2708
Thu Feb 16, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6021

Re: Cord cut strategy for young family

I disconnected DirecTV about this time last year in favor of Playstation Vue. This week, DirecTV called me (I only answered because my parents were traveling and I didn't recognize the number). They offered a kind of ridiculous deal to sign back up with DirecTV with the Choice package. $50/month for...
by bloom2708
Wed Feb 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Ditched the Avalon! Now in the market for crv!
Replies: 5
Views: 931

Re: Ditched the Avalon! Now in the market for crv!

Did you take the CRV for a good long test drive on many road types and conditions? Find the bumpiest road you can find. I haven't driven the 2017 CRV, but the shorter wheel base would make comparing the ride to an Avalon quite interesting. Ride certainly isn't the only consideration, but going from ...
by bloom2708
Wed Feb 15, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8785

Re: -$280k Net Worth Has Me Up At Night

Perhaps start using a tool like Personalcapital.com to track your net worth. Put all your assets in, put in your mortgages and loans. I track manual items for things that cannot pull in automatically. House value: $300k Mortage: $200k Car value: $10k Car loan: $5k Student loans: $75k Your furniture,...
by bloom2708
Tue Feb 14, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 17
Views: 826

Re: Pay off car loan early or contribute to Roth IRA(s)?

Thanks KlangFool. I learn many things daily.

:idea:
by bloom2708
Tue Feb 14, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 17
Views: 826

Re: Pay off car loan early or contribute to Roth IRA(s)?

If you filed for 2016, then I think contributing to 2016 you force you to do an amended return for 2016. I don't like debt, but in this case I would focus on filling up your 2017 Roth IRAs. bloom2708, I don't think so. KlangFool So that whole section when you fill out your tax return if you contrib...
by bloom2708
Tue Feb 14, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 17
Views: 826

Re: Pay off car loan early or contribute to Roth IRA(s)?

If you filed for 2016, then I think contributing to 2016 you force you to do an amended return for 2016.

I don't like debt, but in this case I would focus on filling up your 2017 Roth IRAs.
by bloom2708
Tue Feb 14, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3234

Re: New cars or Pool?

If I lived in Phoenix I would build the pool and look to replace one car within the next year. Since I live in Fargo I would not build the pool. We have 19 days you could use a pool. :oops: A 4runner and Leaf do seem to be polar opposites on the car spectrum. Do they have to be new? or gently used?
by bloom2708
Mon Feb 13, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 2674

Re: How & when to sell lots of a single stock with huge capital gains

Taxes are a fact of life. Even if they paid 30% in taxes, they are still up thousands of % from "pennies per share". Hold it, give it away, pair some with losses, sell some and pay the tax, sell all and pay the tax. It is a good problem and paying some tax should not prevent them from maki...
by bloom2708
Mon Feb 13, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2359

Re: New car for wife and what to do with old car

the 18 month old is approaching the age (well maybe a year or more still) where he she/can climb into the car him/herself... as long as the car isn't too tall. Another area where a mini-van shines. Low step in and automatic/push button doors that any age kid can operate. You also don't have to worr...
by bloom2708
Mon Feb 13, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2359

Re: New car for wife and what to do with old car

Drive some vehicles. Bring both car seats and the base (if the infant seat has a base). See how much space there is between the front seats and rear seats. See how much space there is across and between the car seats. It is likely that the Accord has more (or the same) amount of space as compared to...
by bloom2708
Mon Feb 13, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2182

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

Are you stating that you wouldn't even have a checking account? It is the 15th, where does your paycheck go? Let's say you get a paper check. What do you do with it if you don't cash it or deposit it into your checking account? If you don't have a bank account, will a bank let you cash your paycheck...
by bloom2708
Fri Feb 10, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2587

Re: How do Bogleheads buy phones?

It is hard to get a deal on a new iPhone without some monthly charge or commitment. Do you want to go to iPhone 7 or is a 6S or 6 an intermediate upgrade? Going the refurbished/used route will save you some money but it does bring in the inherent risk that "not new" implies. eBay, your loc...
by bloom2708
Fri Feb 10, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5918

Re: Terrible negotiation - need help with words to use [Buying a car]

Is there something wrong with the internet price that was offered? You seem to have found the car that you want, the price seems in line with Consumer Reports' "The best value is the 2.5i Premium, which can get you a well-equipped all-wheel-drive wagon for about $28,000." Maybe you are re...
by bloom2708
Thu Feb 09, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 664

Re: Anyone RingtoTinging?

Rule of twos. If you hear something new and notice it, you will likely hear it again very soon. I guess it can mean anywhere far from a major city where airplanes only fly over. You have to be determined to fly into Fargo. Far north of the heartland. Just north of South Dakota our "warmer"...
by bloom2708
Thu Feb 09, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 664

Re: Anyone RingtoTinging?

I don't plan to keep the lines on Ting but porting out of RingPlus seems to be backed up and not happening. Once on Ting, then I know that I can get to Tello or other. I'll use my $35 credit on Ting first. MintSIM is interesting. I've looked at them recently. Their 2gb plan is priced right. They are...
by bloom2708
Thu Feb 09, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 10
Views: 1232

Re: New mattress

As mentioned, lots of good mattress threads. We are one month into sleeping on this: https://www.amazon.com/gp/product/B005CL9VKM/ref=oh_aui_detailpage_o04_s00?ie=UTF8&psc=1 I had decided on a Brooklyn Bedding Medium. We ended up with $270 worth of Amazon Gift Cards that were a gift from my wife...
by bloom2708
Thu Feb 09, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 664

Re: Anyone RingtoTinging?

For a low use phone, Ting is pretty good. You are rewarded (with a small monthly bill) if you don't use your phone much. Your best reward ($6 bill) is if you don't use it at all. I would rather pay a $25 to $30 monthly and freely use my phone when and where I want without guilt. Want to stream music...
by bloom2708
Thu Feb 09, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Eating an Elephant Need Advice [Portfolio help]
Replies: 11
Views: 2229

Re: Eating an Elephant Need Advice

Welcome and congratulations on your level of savings. There is a lot going on, no quick fixes. I would focus on consolidating and simplifying. You don't have to move all at once or get down to a 3 fund portfolio, but heading that direction might help. Have you tried to figure out the fees you are pa...
by bloom2708
Thu Feb 09, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2450

Re: Worth it to get 300 Mbps internet?

With 50 mbps speed I put 5 TVs on Netflix all streaming HD content. Then I went on the laptop and my phone. No issues at all. Faster speeds are a gimmick to sell you something you don't need. At least that is my thought. I do recommend a good/newer router. One option in our city offers 1,000 mbps do...
by bloom2708
Thu Feb 09, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Making the move to DIY Investing
Replies: 11
Views: 996

Re: Making the move to DIY Investing

I think your current plan is good. I (personally) would look at moving to 70/30 over the next 1-3 years as your portfolio balances grow. Continue to monitor Betterment fees and keep piling up the savings/investments. :beer Are you referring to moving to 70/30 stocks/bonds or domestic/international?...
by bloom2708
Thu Feb 09, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 8640

Re: Saved too much? What do you splurge on?

A very good problem to have.... It was -5 this morning on my drive to work. I was driving next to a brand new Tesla S (still had the dealer plates on it). It is below zero, the roads are snow covered. I'm not sure how practical a Tesla is here. But, but, it sure looked good. Buy the Lexus and a Tesl...
by bloom2708
Wed Feb 08, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2770

Re: Car wash best practices in cold climates?

Try a different car wash (if available). A "touchless" wash will never do as good as a cloth "touched" car wash. At home, you can spray your hose on your car all day. Then wipe your hand across it and it will be covered with the road grime. But, "touchless" is better th...
by bloom2708
Wed Feb 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2689

Re: College kids driving cars (to live off campus)

Bike would be more dangerous than a car or bus in bad weather I actually have felt that it is completely the opposite in most college towns. With a bike, you can stay off the roads and ride sidewalks and the many bike paths always around college campuses. On the slippery streets filled with relativ...
by bloom2708
Wed Feb 08, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Making the move to DIY Investing
Replies: 11
Views: 996

Re: Making the move to DIY Investing

I think your current plan is good.

I (personally) would look at moving to 70/30 over the next 1-3 years as your portfolio balances grow.

Continue to monitor Betterment fees and keep piling up the savings/investments. :beer
by bloom2708
Tue Feb 07, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 113
Views: 5768

Re: Child on the Way - What to do for College Financing?

There are many unknowns. What if your kid doesn't go to college? What if they get a full scholarship. What if they get a partial scholarship? 5 or 6 year degree? Grad school? Our strategy was to set an amount. Say $120,000. Put 50% in the 529 and 50% in a taxable account in parents name. (2 fund por...
by bloom2708
Tue Feb 07, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 66
Views: 6021

Re: Cord cut strategy for young family

We have a rooftop antenna that goes directly to our main TV. The cable run is too long to get to the junction box for the other TVs. Too much signal loss and splitting the signal makes it weaker. We use these on the smaller main level and upstairs TVs. https://www.amazon.com/Andoer-Digital-Antenna-S...
by bloom2708
Tue Feb 07, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with real estate question
Replies: 40
Views: 2330

Re: Please help with real estate question

Not following. Will you carry a mortgage on the property after the sale/transfer/transition?

So you want to pay $1 in interest to save 39 cents on taxes (above the standard deduction only)?

You cannot save money by getting the benefit of paying less tax by paying a bunch of interest.
by bloom2708
Tue Feb 07, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Replacing carpet for whole house... or other options
Replies: 16
Views: 1111

Re: Replacing carpet for whole house... or other options

We did "whole house" carpet two years ago. It is a major project. Check out Costco Services. You go through Costco and they have a local company with a good reputation do the quote install. You pay through Costco. They had some very nice incentives. Don't scrimp on the pad or carpet. You c...
by bloom2708
Mon Feb 06, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: General Financial Planning Help
Replies: 7
Views: 1072

Re: General Financial Planning Help

Welcome. Of the $150k: 1. Set aside 6+ months of spending in a true Emergency Fund, keep $10k in your checking account. 2. Pay off the car loan tomorrow. Pay cash for future cars. 3. Set aside funds for "near term" spending. Vacation Fund, Taxes 4. With the balance, invest it in your taxab...
by bloom2708
Mon Feb 06, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Cash
Replies: 7
Views: 783

Re: What to do with Cash

What is the cash above your Emergency Fund earmarked for? Retirement (long term) or Future spending (short term)? We have specific (near term) accounts for Taxes, Car Fund, Vacation Fund and Emergency Fund. Everything beyond that goes to our taxable (long term) savings. If you need to spend it in 1-...
by bloom2708
Mon Feb 06, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5266

Re: Cable and Internet

We have Fox Sports North (Twins, Timberwolves, etc) through Playstation Vue. We also get Big Ten Network, all the ESPN, NBC Sport Network and others on the $34.99 package for Vue. Not sure if CSN is Fox related or if that is specific to Chicago. Best to check the channel lineups based on zip code fo...
by bloom2708
Mon Feb 06, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4709

Re: Does anybody else out there still pay for an email address?

We still pay $19.99 per year for our original Yahoo email with no ads. This is from ~1994. There are a number of good options and we have other email address from outlook.com and gmail.com. But we have all the history. Not changing is worth paying the $20/year at this point. It continues to work gre...
by bloom2708
Mon Feb 06, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5266

Re: Cable and Internet

Secure fast internet with a high bandwidth cap at a reasonable price. If you have that, then you have good options. Playstation Vue (on Amazon Fire TV) is a very good option. This combo offers a great package of channels at a reasonable price. It is fast with a DVR solution and a nice user interfac...
by bloom2708
Mon Feb 06, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5266

Re: Cable and Internet

Secure fast internet with a high data (update) cap at a reasonable price. If you have that, then you have good options. Playstation Vue (on Amazon Fire TV) is a very good option. This combo offers a great package of channels at a reasonable price. It is fast with a DVR solution and a nice user inter...
by bloom2708
Mon Feb 06, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: mattresses and alcohol (bourbon, scotch, whiskey)
Replies: 45
Views: 3748

Re: mattresses and alcohol (bourbon, scotch, whiskey)

I like Laphroig 10. I want to try the cask strength with my next bottle. For me a single bottle goes a long way. We recently replaced our 10 year old Tempurpedic mattress (it was worn out) with a $300 mattress from Amazon. I wanted to go with the Brooklyn Bedding mattress at ~$720. We ended up with ...
by bloom2708
Mon Feb 06, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: ringplus mobile premium plans - what is your experience?
Replies: 48
Views: 2662

Re: ringplus mobile premium plans - what is your experience?

For anyone who tried Freedompop, what reason do they give for not allowing port ins from RingPlus? That really makes no sense that they would not allow a number port in from a specific carrier. Do they just not want the deluge of free/low use phones hitting their network? I have two low use numbers ...
by bloom2708
Fri Feb 03, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Sell everything to establish 3-fund portfolio?
Replies: 7
Views: 620

Re: Sell everything to establish 3-fund portfolio?

Perhaps an opportunity to consolidate to Vanguard and simplify?

Total US, Small and Mid Cap are 100% overlap. Try Total US, Total International and Total US Bond.
by bloom2708
Fri Feb 03, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Sell everything to establish 3-fund portfolio?
Replies: 7
Views: 620

Re: Sell everything to establish 3-fund portfolio?

There are no capital gains/losses for investments in Traditional or Roth IRAs. If you want to move to a 3 fund portfolio and it fits your long term goals, there is no time like the present. Are these funds at Vanguard or another institution? You can look into doing an exchange if the amounts work ou...
by bloom2708
Fri Feb 03, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3851

Re: Verizon to Cricket or StraightTalk

I am not sure why no one mentioned Republic Wireless, but I found them the cheapest yet the most reliable (using T-mobile towers + wifi calling) If you are outside of major urban areas, T-Mobile or Sprint can be very hit or miss. In general, Verizon and AT&T have much better coverage in the &qu...
by bloom2708
Fri Feb 03, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 2915

Re: How to save money on a minivan?

One way to save money (up front at least). Buy private party, with cash. Find a seller that either has too much mini-van or trades often. They might be looking to get out with just more than trade-in value. The newer the minivan, the harder this will be. If you are willing to go pick up a vehicle, y...
by bloom2708
Fri Feb 03, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 3851

Re: Verizon to Cricket or StraightTalk

Does Page Plus, Cricket or other Verizon alternatives offer shared plans? So 2+ phones on one plan where the limits for minutes, texts and Gb are for all phones combined? TotalWireless.com TW has family plans for 2, 3 or 4 lines with shared data. Very competitive prices and plenty of data. Cricket ...
by bloom2708
Fri Feb 03, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice please: early 30's tech employee, new mom, confused
Replies: 36
Views: 3784

Re: Career advice please: early 30's tech employee, new mom, confused

One thing to consider is to keep working when your kid/kids are very young. Use your great salary to pile up savings and investments. This gives you options. A 1 year old doesn't know it is at daycare (OK I'll probably get some flak for that). I think you get my point. Spend 12 weeks at home with th...

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