Search found 343 matches

by bluebolt
Tue Jun 27, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 19
Views: 1416

Re: Stupid Security Questions

To echo what others have said, I use randomly generated answers and store in a password manager. It was amusing that one time when I had to give a customer service rep my mother's maiden name over the phone. Rep: "Your mother's maiden name." Me: "Ejia3ja8p0ib" Rep: "Could yo...
by bluebolt
Tue Jun 27, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 24
Views: 816

Re: Consumer Reports Renewal (or not?)

I find Sweethome and Wirecutter (owned by NYTimes) to be extremely useful for reviews. I cross-check with Amazon to verify, but they are very helpful.

That said, I did re-subscribe to CR when I was in the market for a car - I did find their ratings & reviews to be very informative.
by bluebolt
Tue Jun 27, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 22
Views: 1616

Re: Realtor fee negotiations

Obviously market dependent, but I did an FSBO and let bidders know I would take their agent's commissions into account when considering offers. The high bidder didn't have an agent, so we both saved a bunch of money. Had the FSBO not worked out, I had planned on paying a service to list on MLS. If t...
by bluebolt
Mon Jun 26, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Anyone else getting priced out of Volvo market?
Replies: 19
Views: 1578

Re: Anyone else getting priced out of Volvo market?

I don't know if you're in the market for an XC60, but we were recently quoted around 15% off MSRP for a 2017 AWD XC60. The 2018 model will arrive in a few months.
by bluebolt
Mon Jun 26, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 129
Views: 6084

Re: Where to find a financially like-minded significant other?

I think there's an opportunity for a Bogleheads dating site/forum. :happy
by bluebolt
Sun Jun 25, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Getting out of lease options
Replies: 8
Views: 597

Re: Getting out of lease options

I already know this is a losing proposition. I am 1.5 yrs into a 3 year 36k mile lease on a 16' Volkswagen GTI. I severely underestimated my annual mileage and thus only have 13k miles. Monthly payment is $390 and buyout is currently around $20,200. Trade in value is anywhere from $17.5k-17.8. Whil...
by bluebolt
Sun Jun 25, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Which Dealer Cost/Invoice does one use?
Replies: 11
Views: 995

Re: Which Dealer Cost/Invoice does one use?

This is pretty simple. The invoice amount is listed on the vehicle invoice. Now when you say $500 under invoice you could be short changing yourself. What if there is $2000 rebate. You have left $1500 on the table. You do not control destination charge that is built into every vehicle and that is n...
by bluebolt
Sun Jun 25, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: [Can I move data from Microsoft to Mac with new computer?]
Replies: 13
Views: 600

Re: [Can I move data from Microsoft to Mac with new computer?]

Some applications are more difficult than others. Assuming you have MS Office on both, those documents transfer over easily. For any other applications, would need to know what they are before figuring out whether migration is easy/hard. If there are specific applications you really want to run on W...
by bluebolt
Sat Jun 24, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Does Verizon still offer voice only plans?
Replies: 4
Views: 335

Re: Does Verizon still offer voice only plans?

Unlimited* data, voice & text on Verizon for 2 people is $140/mo plus tax/fees.

*For Verizon unlimited data, they may slow it down after 22GB.
by bluebolt
Sat Jun 24, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1924

Re: Cars my only weakness, make me feel bad!!

I would feel bad for purchasing somewhat expensive cars, so I make sure all of my other financial priorities are met first before considering the car and then I make sure I can afford to pay cash for the car. Sometimes I finance if I can get a significant below market rate, but that's only after kno...
by bluebolt
Sat Jun 24, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 52
Views: 5884

Re: Can we/should we afford a $2M house?

You have 900K-1.2MM income including both of you with the consulting? You can afford it. Your savings are currently low relative to your income, but you will be able to afford your mortgage payment plus save a lot, assuming your spending is otherwise in check. Considerations: Is the consulting incom...
by bluebolt
Sat Jun 24, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Water Damaged/Broken
Replies: 10
Views: 928

Re: iPhone 6 Water Damaged/Broken

OP - spread your payments out interest free over 24 months. At this point, you could also buy a used iPhone 7 (128gb) for between $500 & $650 on eBay or Gazelle ($559).
by bluebolt
Sat Jun 24, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Water Damaged/Broken
Replies: 10
Views: 928

Re: iPhone 6 Water Damaged/Broken

I don't have the numbers to back this up but I'm certain that (full price phone + 24 months service) > (subsidized phone + 24 months more expensive service). Regardless of how they pay Apple for the phones they must be making more money which is the only reason to change the system. Update to my cr...
by bluebolt
Fri Jun 23, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 38
Views: 2500

Re: New cars w/ no CD player -- what can I do with my CDs?

I rip all of my CDs to my computer and then sync them to my phone via iTunes. I had an older car, so bought a $15 bluetooth adapter that I plugged into the aux input. Then, I played whatever music I wanted through my stereo over bluetooth. Note: While ripping a large CD collection can take a lot of ...
by bluebolt
Tue Jun 20, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 6212

Re: is luxury car a smarter purchase?

I just sold a 10 year old luxury (or near-luxury depending on how you define it) car for 28K less than I bought it for. Average of 2.8K/yr of depreciation and very little repair beyond basic maintenance. I'd rather drive a nicer car for an extra few hundred to a thousand dollars a year in depreciati...
by bluebolt
Sat Jun 17, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 11136

Re: Selling Car - Private Sale vs CarMax vs Dealer

I've sold to private and won't do it anymore. Got tired of having to deal with too many scumbags. I weed out the scumbags based on their email or text communications. I only engage with people who compose courteous, thoughtful emails with complete sentences and proper spelling. Works very well. It'...
by bluebolt
Sat Jun 17, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 11136

Re: Selling Car - Private Sale vs CarMax vs Dealer

I've sold to private and won't do it anymore. Got tired of having to deal with too many scumbags. I weed out the scumbags based on their email or text communications. I only engage with people who compose courteous, thoughtful emails with complete sentences and proper spelling. Works very well. It'...
by bluebolt
Fri Jun 16, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Android Auto/Apple Carplay as their NAVI?
Replies: 5
Views: 519

Re: Is anyone using Android Auto/Apple Carplay as their NAVI?

If a car I was looking at had CarPlay/Android Auto standard and I had to pay thousands of dollars for the nav option, I would use CarPlay. Apple Maps isn't fantastic, but it's better than many auto nav systems. Apparently Waze is coming to Android Auto at some point (it's in beta testing now), so th...
by bluebolt
Wed Jun 14, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: mom wants to buy iPhone, questions
Replies: 14
Views: 893

Re: mom wants to buy iPhone, questions

Agreed. That is why I asked about the Apple Store first, so they could go with a cheaper mobile provider. If his mother is going to be frustrated/maddened/upset due to lack of support, that has to be taken into account. Even our podunk town has 2 Cricket Wireless stores now. When I call into the Cu...
by bluebolt
Wed Jun 14, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: mom wants to buy iPhone, questions
Replies: 14
Views: 893

Re: mom wants to buy iPhone, questions

Does your mother live near an Apple store? This is invaluable if she needs support that you might not be able to give. If not, does she live near a Verizon store? I would strongly recommend a major carrier with a physical presence so she can go in person to get help if necessary. By far the easiest...
by bluebolt
Wed Jun 14, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: mom wants to buy iPhone, questions
Replies: 14
Views: 893

Re: mom wants to buy iPhone, questions

Does your mother live near an Apple store? This is invaluable if she needs support that you might not be able to give.
If not, does she live near a Verizon store? I would strongly recommend a major carrier with a physical presence so she can go in person to get help if necessary.
by bluebolt
Wed Jun 14, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Choosing a home from 3 options
Replies: 7
Views: 1023

Re: Choosing a home from 3 options

Thanks everyone for your responses. A number of nice suggestions. We will do a little more homework in terms of defining our criteria, but broadly the following are important for us: 1. Good Schools - Mostly looking at towns on Route 2 2. House built in 1980 or above 3. That the house is not right ...
by bluebolt
Wed Jun 14, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3103

Re: How many tech devices do you have?

3 iPhones 2 Macbook Airs 2 Macbook Pros 1 desktop Windows PC 3 Smart TVs Wireless headphones for TV Harmony Companion/Home Control Tivo Premier Tivo Mini Connected Blu Ray Player Wifi AV receiver Whole home audio system controlled from phones Wifi thermostat 2 Raspberry Pi 3 1 Raspberry Pi Zero GPS ...
by bluebolt
Tue Jun 13, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2283

Re: Watch Batteries

I will guiltily admit that sometimes I have purchased a new $15 watch from Amazon rather than bother to change the battery in my old watch.
by bluebolt
Tue Jun 13, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2283

Re: Watch Batteries

Chip wrote:Buy the batteries in bulk on Amazon and replace them yourself. Less than $1 apiece.

I bought a band removal tool and 4 batteries for about $10 combined.
by bluebolt
Tue Jun 13, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4380

Re: Dehumidifier woes

Out of curiosity, at what relative humidity do you folks try to keep the area served by the dehumidifier? I don't measure the RH from the unit as it is notoriously unreliable in that regard. I measure with a standalone hygrometer mounted elsewhere in the room. I find that I need to adjust the unit'...
by bluebolt
Tue Jun 13, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4380

Re: Dehumidifier woes

I bought a Frigidaire from Amazon a little over 2 years ago. Bought the extended warranty based on stories like these, but it is going strong so far.
by bluebolt
Mon Jun 12, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 990

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

Also, any tips for storing and carrying the SIM you need for US use? Tape it to the inside of your phone protective case, assuming you have one. Metal side away from the sticky. Find some good tape that can be reapplied at least 2-3 times, but not strong enough to damage or leave a mark on the surf...
by bluebolt
Mon Jun 12, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK/France: Suggest a pre-paid SIM Card
Replies: 17
Views: 990

Re: Traveling to UK/France: Suggest a pre-paid SIM Card

If you bought your phone from Verizon, it is likely locked (unless established otherwise). If you bought it outside for full price and took it to Verizon, probably unlocked. You need to be sure it supports GSM and European frequencies (I think that is normal for Iphone6, but I don't use iphone). If...
by bluebolt
Mon Jun 12, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800k house in HCOL area (Boston area) ?
Replies: 42
Views: 4199

Re: Can we afford a 800k house in HCOL area (Boston area) ?

Your net worth is just about mine, thought your income+bonus is a bit higher (I expect mine will come up to par with you when my wife starts working again). FWIW, the thought of spending that much on a house scares me, and I am also near Boston. What if there is a big recession and one of you is ou...
by bluebolt
Sun Jun 11, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800k house in HCOL area (Boston area) ?
Replies: 42
Views: 4199

Re: Can we afford a 800k house in HCOL area (Boston area) ?

Yes, you probably can. Will you be doing a 15 year or 30 year? If you do a 30, I suggest coming up with a 1-3 year plan that puts you on a path to refinancing to a 15 year. Set aside all raises, make a pile of money from bonuses, pay down as much as you can to get into a 15 year as soon as possible...
by bluebolt
Sun Jun 11, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800k house in HCOL area (Boston area) ?
Replies: 42
Views: 4199

Re: Can we afford a 800k house in HCOL area (Boston area) ?

Yes, you probably can. Will you be doing a 15 year or 30 year? If you do a 30, I suggest coming up with a 1-3 year plan that puts you on a path to refinancing to a 15 year. Set aside all raises, make a pile of money from bonuses, pay down as much as you can to get into a 15 year as soon as possible...
by bluebolt
Sun Jun 11, 2017 6:21 am
Forum: Personal Consumer Issues
Topic: Switching to t-mobile from at&t...maybe
Replies: 16
Views: 1376

Re: Switching to t-mobile from at&t...maybe

When I was considering switching to T-mobile, I got a T-mobile SIM and did a pay-by-the-day prepaid plan for a few days so I could test from home, work and some other places I go frequently. It only cost a few dollars a day and was helpful to figure out how good the coverage was.
by bluebolt
Sat Jun 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Any tips on creating a budget for a SAHM ?
Replies: 24
Views: 1779

Re: Any tips on creating a budget for a SAHM ?

The woman I married is sensible about the use of money. I am sensible about the use of money. Neither of us tries to "manage" the other one. If any one of these three conditions failed, I am not sure how we would have stayed married for nearly forty years now. This is ideal but not everyo...
by bluebolt
Fri Jun 09, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1592

Re: New Construction Buying Advice

We bought new construction a while ago. A few notes: We had them leave all the hardware out of the closets. We ended up doing custom closets on our own and it was great to have the layout exactly as we wanted. Get any thing you care about in writing. We had plans that showed a breakfast bar/extensio...
by bluebolt
Fri Jun 09, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: When the Gospel of Minimalism Collides With Daily Life
Replies: 5
Views: 1351

Re: When the Gospel of Minimalism Collides With Daily Life

I am by no means a minimalist, but try to limit my acquisitions to things that will be useful for a long time or things related to activities I do frequently. I don't feel the need to collect non-useful things (coins, stamps, cards, statuettes, etc) at all. I also avoid getting the latest tech that ...
by bluebolt
Fri Jun 09, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2274

Re: Babson College

I've worked at many companies in the Boston area. Babson undergrads and MBAs are highly regarded and have a strong network around here.
by bluebolt
Thu Jun 08, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 22
Views: 1420

Re: Buying a house for the 1st time - what should I look out for?

Google & Youtube have been an immense help when it comes to DIY. I have fixed a couple of appliances myself for just the price of the parts. Saved hundreds of dollars.
by bluebolt
Thu Jun 08, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase budget advice
Replies: 20
Views: 1463

Re: Home purchase budget advice

I disagree with the folks who are recommending large down payments to minimize monthly payments in case of a job loss. I would much rather have the liquid funds that could pay my mortgage for months (or years), rather than having it locked up in illiquid home equity. I recommended 30% down, or $135...
by bluebolt
Thu Jun 08, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Any tips on creating a budget for a SAHM ?
Replies: 24
Views: 1779

Re: Any tips on creating a budget for a SAHM ?

Do a top down budget - fixed expenses, savings/investments first and then the remainder is available for discretionary spending. Both of you should agree and be invested in this high-level budget. For the discretionary spending bucket, it could be further broken down if that's necessary. DW & I ...
by bluebolt
Thu Jun 08, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase budget advice
Replies: 20
Views: 1463

Re: Home purchase budget advice

I disagree with the folks who are recommending large down payments to minimize monthly payments in case of a job loss. I would much rather have the liquid funds that could pay my mortgage for months (or years), rather than having it locked up in illiquid home equity.
by bluebolt
Wed Jun 07, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1443

Re: Used Exercise Equipment

Because you are limited to local pickup/delivery, it's going to be massively dependent on your local market.
I would check Craigslist to see what other treadmills have gone for as a percentage of new (not necessarily your model). That should give you a decent idea.
by bluebolt
Tue Jun 06, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Tupperware Set / Systems
Replies: 13
Views: 808

Re: Tupperware Set / Systems

We switched to a Pyrex (glass?) set and tossed all the plastic. 4 sizes, they next inside each other. The lids are plastic. I like that it cleans up much easier and I can microwave things in the bowls. I would be microwaving something and my wife is saying "you can't microwave that bowl...&quo...
by bluebolt
Tue Jun 06, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1572

Re: Traveling for 3 weeks

I have open/close sensors on all my doors/windows and have motion sensors in the house all of which alert me on my mobile phone if something changes. I have IP cameras set up so I can check things out remotely if anything gets triggered.
by bluebolt
Mon Jun 05, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 24
Views: 785

Re: Mobile phone SIM advice for multiple countries in Europe

Just returned from a pleasure trip with the following stops: Netherlands Germany Estonia Latvia Lithuania Kaliningrad I used the the T mobile sim card successfully everywhere. No voice usage ($0.20/min), but lots of SMS, email, web data for information and navigation. It was $75 + a bit for the sim...
by bluebolt
Mon Jun 05, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: USAA's New (Irritating) Security Protocol
Replies: 19
Views: 1526

Re: USAA's New (Irritating) Security Protocol

I like the banks that require a PIN/two-factor auth only for sensitive transactions like adding a new bill pay recipient, executing a trade or making a transfer.

That seems to strike the right balance between security and convenience.
by bluebolt
Mon Jun 05, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 39
Views: 3295

Re: New Milestone

I dont view our home as an investment...so I never include it in NW. With that being said we just hit $700k...33 and 34 years old. Hoping to reach 1MM net worth by 40...not including home...which is $300k :) I don't understand why anyone would not count their house equity in networth? You could sel...
by bluebolt
Sun Jun 04, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 18
Views: 3045

Re: Home automation

Maybe not willing to sink in that much time. I meant I'm willing to figure stuff out, but writing code is more than I'd be willing to do. Spending hours debugging would drive my wife crazy... The baseline of getting it to work and setting up rules doesn't require any coding. With CoRE, you can crea...
by bluebolt
Sun Jun 04, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 18
Views: 3045

Re: Home automation

Hi we are purchasing a home and was wondering if there were any new suggestions on this topic since 2015. Any particular systems/technologies that are great for home automation? I'm tech savvy and would be able to work on a lot myself. Thanks If you're a techie then you will have the skill & pa...

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