Search found 229 matches

by bluebolt
Fri Apr 28, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 40
Views: 1503

Re: A Game of "Whose responsible"

My rule-of-thumb is -
If I pay for a part/appliance and pay someone else to install it, any issues with the part/appliance are going to be time & materials on me.
If the vendor provided the part/appliance and there are any issues, they are going to fix it for no additional cost.
by bluebolt
Thu Apr 27, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 30
Views: 2321

Re: Why I'm tempted to fix things myself; it's not about the money

I like to fix a lot myself mostly because I know I'll do a more careful job than most contractors. That said, I have an older house, so when something seems simple, there's often a lot that can go wrong. So I leave most plumbing and structural issues to the pros. When I hire folks either through wor...
by bluebolt
Thu Apr 27, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Why I'm tempted to fix things myself; it's not about the money
Replies: 30
Views: 2321

Re: Why I'm tempted to fix things myself; it's not about the money

Teague wrote:You'd think that someone could at least be on time when you're paying them to give you a load of cr@p.

You still pay for that? My wife gives it to me for free. :wink:
by bluebolt
Thu Apr 27, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 52
Views: 3174

Re: When does it make sense to stop paying to repair your old vehicle?

According to AAA, in 2015, the average cost to maintain a new vehicle was just shy of $8700 per year. (Small cars are around $6700 and large SUV's around $10,600.) This includes everything from consumable to repair to titles to insurance. When I figure every penny I've put into my vehicle since I b...
by bluebolt
Thu Apr 27, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 52
Views: 3174

Re: When does it make sense to stop paying to repair your old vehicle?

We use and have used several "tests" over the years and decades: 1. Is the vehicle safe (if repaired)? 2. How many months of replacement financing does the repair cover? So, if the payment on a replacement is $300/mo and the repair is $900 - that is 3 months. 3. Can you deal with repairs ...
by bluebolt
Wed Apr 26, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 169
Views: 17906

Re: Any regrets living a frugal life for high income/high networth individuals?

DW & I have lived frugally for a long time, but splurge on vacations & eating out. We always pay ourselves first and the splurge money comes out of our "operating budget" not our investments/savings. We drive 10+ year old cars, have 3 or 4 generations-old phones, buy clothes sparin...
by bluebolt
Tue Apr 25, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1240

Re: Appealing a bill

Question for those in the medical field:
If a physician codes something, is it billed the same amount regardless if the time spent is 5 minutes or 30 minutes? I assume so, but obviously would have bearing on this situation.
by bluebolt
Sat Apr 22, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5965

Re: Comcast negotiations

I don't waste my time trying to negotiating or threatening to cancel. I just cancel and then re-subscribe under my fiancé's name. Then I cancel and re-subscribe under my name... Doesn't this require you to return all equipment and then receive and re-initialize all equipment again? Then you have to...
by bluebolt
Sat Apr 22, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6645

Re: My Doctor says I am "unusual" (declining some blood tests)

Like OP, I am an unusual patient. I spend the insurance company's money like it's my own. I politely ask about about necessity if my doctor recommends something I don't think I need. I shop around for prices for services even though my portion of the cost sharing or co-pay would remain the same. Etc...
by bluebolt
Sat Apr 22, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5405

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

You can go to https://www.mealtrain.com/ to set up a schedule for friends/family to bring them meals. Easy to set up and very helpful for the parents to not have to worry about it. Probably most useful in the first 30 days or so as they're figuring things out.
by bluebolt
Fri Apr 21, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 83
Views: 6889

Re: Single most important investing advice?

Set goals, create a plan to meet those goals and adjust as necessary.

Is that a single piece of advice?
by bluebolt
Fri Apr 21, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 2648

Re: How much to pay a housekeeper?

I have a housekeeper that comes two days a week, 8 hours per day (she does laundry as well as clean). I pay her $120/day. This has been the same rate for two years now and I think it's time to raise it. Would love to get a sense of what other people pay a regular housekeeper. This probably varies b...
by bluebolt
Fri Apr 21, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7786

Re: Mens Blue Jeans - What are we buying now?!

Or a older gent with a trophy wife. I've got one and there is nothing sad about it. In fact, it's pretty great! :beer LOL. Who knows maybe I'm just jealous. However, when I see you guys in public depending on the age difference, I throw up in my mouth a bit. lol. Sorry for keeping it real. But seri...
by bluebolt
Thu Apr 20, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Waterproof/resistant recycling bag - does it exist?
Replies: 4
Views: 456

Re: Waterproof/resistant recycling bag - does it exist?

You intend to buy these bags, then discard them into the recycling bin when full? Why not just drain the liquid out of the bottles/cans, quick rinse, then put them into a paper grocery store bag that should be recyclable? Ought to be waterproof enough. My daughter does that; bags sit for a week or ...
by bluebolt
Thu Apr 20, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7786

Re: Mens Blue Jeans - What are we buying now?!

stemikger wrote:Another sad sight is an older gent in young man's car. Or a older gent with a trophy wife.

I'm an older gent with a trophy wife. I've been married to her for a long time - Just that I've aged a lot in that time and she hasn't aged at all. :sharebeer
by bluebolt
Thu Apr 20, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Waterproof/resistant recycling bag - does it exist?
Replies: 4
Views: 456

Waterproof/resistant recycling bag - does it exist?

We have single stream recycling in my town. Plastic bags are not allowed. I have plastic bottles and aluminum cans that had liquid in them and want to put them in a liner/bag in the recycling bin in my kitchen which I can then throw in my town recycling bin. I haven't found anything that fits the bi...
by bluebolt
Thu Apr 20, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1308

Re: About lawn sprinkler sytem

I had an existing system in the home I moved into and installed a RainMachine controller. I love that it automatically adjusts watering based on local weather forecasts (temperature & precipitation). I also love that I can control it from my phone - it's great for when I'm in the yard and want t...
by bluebolt
Thu Apr 20, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 2394

Re: Return Fraud at Big Box and "The Retail Equation"

You should just do what the big box store did, and let it go. Clearly, your issue is of no concern to them. Do you know how many people buy an expensive tool, use it for a big project, then return it at these places? Your one return (fraud or not) is not likely to raise a red flag. If you're worrie...
by bluebolt
Thu Apr 20, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1731

Re: Should I purchase Apple Care for my new Apple Watch?

I have found that Apple is far more flexible when it comes to customers with AppleCare. I had a battery issue with my iPhone that didn't technically meet the requirements for replacement (within the original warranty period), but they replaced my phone anyway. I don't believe they would have done th...
by bluebolt
Thu Apr 20, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5014

Re: Tips on Uber

When the Uber service was only black cars, the tip was "included" and Uber promoted their service as no tipping required. When UberX and additional Uber services came out, tipping was allowed, but drivers were instructed to nicely refuse when it was initially offered. Tipping is absolutely...
by bluebolt
Thu Apr 20, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5231

Re: Is my electric bill high?

FYI for folks wanting to use Kill-A-Watts for a one time check on their home - some libraries have Kill-A-Watts and let you check them out.
by bluebolt
Tue Apr 18, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7786

Re: Mens Blue Jeans - What are we buying now?!

I had the same pair of 501s for almost 20 years, but when I replaced them I found that there were jeans with much more comfortable/stretchy denim out there. I have a pair of these and really like them. List price shows $118, but I paid around $40 for them on sale. http://bananarepublic.gap.com/brows...
by bluebolt
Mon Apr 17, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Personal Assistants: Amazon Echo or Google Home?
Replies: 7
Views: 668

Re: Personal Assistants: Amazon Echo or Google Home?

I can only speak to Amazon Echo (pun intended). I have an Echo Dot connected to a Logitech Harmony hub and a Samsung SmartThings home automation hub. For $50, I have found it to be very useful to control lights, entertainment center and to set timers while cooking. Especially useful when my hands ar...
by bluebolt
Sat Apr 15, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: What questions do you ask and what information do you gather to discuss finances with your spouse?
Replies: 10
Views: 1042

Re: What questions do you ask and what information do you gather to discuss finances with your spouse?

I don't ask questions really. I give updates when our investable assets hit certain arbitrary milestones. Periodically, we talk about how much we each are going to transfer to our taxable accounts from our checking accounts (we already max tax-advantaged and have automatic transfers, so this is abov...
by bluebolt
Fri Apr 14, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1787

Re: Home remodel / addition plans

Get an outlet installed for a washlet in the master bath (or get a toilet with built in washlet). https://www.amazon.com/TOTO-Washlet-Elongated-Toilet-Sanitization/dp/B009IJ2NBI There's a reason 80% of Japanese homes have one of these. The one linked above is a high end model, you can spend less tha...
by bluebolt
Fri Apr 14, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1787

Re: Home remodel / addition plans

I'm torn about having laundry right next to the master. In our house, it's on the bottom floor (with master on main/upper level) and I love that I can do loads of laundry at night or early morning when DW is sleeping. If it was next to our bedroom, I wouldn't be able to do that. That said, it's supe...
by bluebolt
Fri Apr 14, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 31
Views: 1981

Re: Washer/dryer suggestions?

Our Whirlpool Duet front-loader works great and leaving the door open has prevented any odor. If it wasn't in a dedicated laundry room, it would bug me that the door had to be left open. I love that I can put huge loads in there and they come out clean and I also love how dry the clothes are when th...
by bluebolt
Fri Apr 14, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4023

Re: What do you do with your coins?

You can do this with your coins:

https://www.youtube.com/watch?v=GdKM4FvGGPY
by bluebolt
Fri Apr 14, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 178
Views: 22311

Re: What rate of return do you use when planning for retirement?

I use 4.5% real (7% return, 2.5% inflation), but have specific investable asset milestones in specific years, so it wouldn't matter that much if I changed the rate of return up or down a bit. If we are off track, we invest more to make up part of the difference. Obviously can't make up all the diffe...
by bluebolt
Thu Apr 13, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 3920

Re: Prewiring house for tv and internet. Worth it?

If you are thinking about adding home automation, the typical Insteon/Z Wave switches are quite large so consider installing the largest electrical junction boxes you can find and fit. Again, it's a behind the walls issue. Easy now but really hard once you put the drywall back up. You can add the h...
by bluebolt
Wed Apr 12, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3494

Re: Legality of renters posting reviews of a condominium complex?

The first amendment applies to government restricting your speech, not private parties. Bogleheads moderators can delete topics and posts based on their policy. Is that a violation of the first amendment? No. If Yelp wanted to prevent certain content on their site, could they do it? Yes. Would it b...
by bluebolt
Wed Apr 12, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Legality of renters posting reviews of a condominium complex?
Replies: 82
Views: 3494

Re: Legality of renters posting reviews of a condominium complex?

The first amendment applies to government restricting your speech, not private parties. Bogleheads moderators can delete topics and posts based on their policy. Is that a violation of the first amendment? No. If Yelp wanted to prevent certain content on their site, could they do it? Yes. Would it be...
by bluebolt
Wed Apr 12, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 3920

Re: Prewiring house for tv and internet. Worth it?

I don't have cat5/6 anywhere in the house but I do have coax going to each room. I can decide whether to use the coax for: 1) video 2) wired networking using MOCA 3) connect a wireless access point to expand wireless coverage and add wired ethernet 4) any combo of the above I have Fios, so #3 comes ...
by bluebolt
Tue Apr 11, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1842

Re: Combatting mosquitoes traveling in S. America

Careful with the anti malaria pills. Many have severe side effects... The most simple (doxycycline) will cause sun sensitivity and the newer more effective ones can trigger scary mental issues which are never welcome, but especially when you're in a new place without people who know you enough to s...
by bluebolt
Tue Apr 11, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 3920

Re: Prewiring house for tv and internet. Worth it?

While you're doing the extra wiring...I'd strongly recommend a careful consideration of where you'll put televisions to ensure proper wires get located behind the TVs so the end result is all wires look hidden. I also have a conduit behind a TV that is really handy. Takes wires to that location fro...
by bluebolt
Tue Apr 11, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Viewing Northern Lights (the full colors)
Replies: 17
Views: 1541

Re: Viewing Northern Lights (the full colors)

As a photohobbyist and someone who went to Iceland a few years ago to see the northern lights, I have the following observations: 3. To the naked eye, there is still plenty of color - I remember greens, red/orange waves. I wouldn't worry too much about not seeing "enough" with the naked e...
by bluebolt
Tue Apr 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Viewing Northern Lights (the full colors)
Replies: 17
Views: 1541

Re: Viewing Northern Lights (the full colors)

As a photohobbyist and someone who went to Iceland a few years ago to see the northern lights, I have the following observations: 3. To the naked eye, there is still plenty of color - I remember greens, red/orange waves. I wouldn't worry too much about not seeing "enough" with the naked e...
by bluebolt
Tue Apr 11, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Viewing Northern Lights (the full colors)
Replies: 17
Views: 1541

Re: Viewing Northern Lights (the full colors)

Luck plays a big role. It's possible to see the bright, colorful northern lights with the naked eye if you have a clear night and the conditions are right. You could also get a dull, gray set of northern lights (to the naked eye) that looks colorful in a photo. I would normally recommend taking a tr...
by bluebolt
Tue Apr 11, 2017 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question (buying a new home before selling current one)
Replies: 21
Views: 1674

Re: Mortgage Question (buying a new home before selling current one)

I was in exactly this situation and did a HELOC along with my primary mortgage. That way, I had the option of paying it off right away or investing it and paying off the HELOC whenever I wanted to.
by bluebolt
Mon Apr 10, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2366

Re: Advice for first time homebuyer (a friend)

jayhawkerbeef wrote:Never take on a mortgage that exceeds twice your gross income after down payment.

Never say never. Our mortgage exceeds 3x after we put 30% down. But since we live the BH lifestyle, we already have a big nest egg and making payments is not a problem.
by bluebolt
Mon Apr 10, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 964

Re: Setting up home office/network question

What are you using the desktop for? If it's for email & web browsing, the speed difference between the solutions discussed probably won't make a difference. If you are streaming 4K video, it will. You may be overthinking this. I would just get a wifi dongle and call it a day. Assuming your netwo...
by bluebolt
Mon Apr 10, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 82
Views: 8970

Re: Designing Your Life

The mistake many on this board make is that they treat FI as an end in itself.
You need to remember that FI is a *means* to an end.
If you are just focused on your number and don't know what the *end* is that you're looking for, you will have a problem when you hit your number.
by bluebolt
Mon Apr 10, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 10741

Re: Ordering a Weber grill this week

I almost forgot the one bad experience I had with my E-330. I ordered it from Lowe's. They offered "free assembly". When the delivery truck came, I went to my back deck to make sure there was a clear path to set it up. Now, around the corner comes the delivery guys carrying it by the side...
by bluebolt
Mon Apr 10, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Handling the Details of a Large Inheritance
Replies: 54
Views: 4527

Re: Handling the Details of a Large Inheritance

Your earning potential right now is the most valuable asset you have. You have been given an amazing gift/opportunity, but you should think long & hard about living off of the $1.6MM. There are plenty of jobs/careers that are fulfilling that would allow you to take care of your living expenses a...
by bluebolt
Mon Apr 10, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4113

Re: Packing cubes for travel

I like packing cubes. They are helpful for organizing things. I am fine without them, too. I have to say, the fiery opinions sparked by this topic is pretty amusing. :) I imagine someone traveling alone for a few days at a time is not going to get the same benefit as someone traveling with other pe...
by bluebolt
Mon Apr 10, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 29
Views: 1973

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I was offered a service plan when I bought my car. It was prepaid and would have saved me 20-25% off of the dealer's list price. I declined. Now every few months I get coupons from the dealer for 15-20% off service, so it costs about the same and I don't have to pre-pay. By the way, their prices at ...
by bluebolt
Mon Apr 10, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: ADT / Security - dramatically lower rates
Replies: 5
Views: 1205

Re: ADT / Security - dramatically lower rates

This solution isn't for everyone, and is more of a better-than-nothing solution than a better-than-a-professionally-monitored solution, but the recurring price is right. I have open/close sensors on my doors, motion sensors and cameras connected to a smart home hub. All in the security parts of the ...
by bluebolt
Sun Apr 09, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 1962

Re: BH thoughts on car insurance

For HNWI and VHNWI, some of the companies mentioned that appeal to a broad consumer base may not fit their needs.

Companies like Chubb (and others) cater to the high end market and may have products more suitable to those folks.
by bluebolt
Sun Apr 09, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax] software asks driver license number
Replies: 15
Views: 1376

Re: [Tax] software asks driver license number

^^^ I fixed it. From the IRS: How New Security Safeguards will Affect You for 2017 From that page: "Why am I being asked for my driver’s license number? You do not need a driver’s license number to file your federal tax return. But, in an effort to better protect you from identity thieves, som...
by bluebolt
Sun Apr 09, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 1962

Re: BH thoughts on car insurance

I'm shopping around for car insurance and wanted to know if anybody has any recommendations. I currently have Farmers. I purchased my car (2000 Camry) for $6,000 all cash. It's a cheap car that gives good gas mileage (4 cylinder). Am I better off going with the cheapest insurance company I can find...

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