Search found 541 matches

by bluebolt
Sat Oct 14, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1235

Re: Happy Consumer Story (Backpacking Tent)

Lutron - the faceplate on a dimmer in my house broke. It was there when I moved in and I had no idea who bought it or when. I called up their customer service. They sent me the current version of that dimmer with a return shipping label for the original one. I was so impressed, I ended up replacing ...
by bluebolt
Tue Oct 10, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2289

Re: cash and landlines in disasters

Seems something like this might be an option. Allows you to send text messages via satellite and is a GPS. There is a monthly fee, but looks like you can suspend/resume. Not sure if you can do that from the device, which would make it hard to use without an ongoing subscription if a sudden disaster ...
by bluebolt
Sat Oct 07, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 30
Views: 4373

Re: Home automation

Thanks! I'm not really sure the why I need a hub. I guess it simplifies things, but I'm not sure I need that completely. I am installing my Ecobee3 today and getting a MyQ garage opener/monitor. That's 2 apps. I am also considering getting the Arlo 3 camera set from Costco. I would like one for fro...
by bluebolt
Thu Oct 05, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 30
Views: 4373

Re: Home automation

I'm digging up this thread instead of creating a new one. I am more interested in some home automation things. I don't, however, want to go with a whole house system and I'm not really sure I need everything to talk to each other. Some things that I'm looking at and would like some thoughts from pe...
by bluebolt
Wed Oct 04, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1346

Re: Where/when to get good deals on athletic shoes

A consideration many people are not aware of: Running (athletic) shoes begin to lose their cushioning ability as soon as they leave the factory. The sophisticated forms of rubber in their various layers begin deteriorating and eventually become fairly useless. I've learned (the hard way) to avoid b...
by bluebolt
Mon Oct 02, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Weird, meaningless, but fun net worth threshold!
Replies: 13
Views: 2646

Re: Weird, meaningless, but fun net worth threshold!

Congrats!

Next milestone - Your liquid net worth is higher than your mortgage balance...
by bluebolt
Mon Oct 02, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11240

Re: Prevent mail theft; sign for USPS Informed Delivery

My intention was to direct people to the discussion that already existed about the service, not to invalidate the reason you suggested signing up. Some people may have read the August discussion when it was active, decided that they already knew all there is to know about the Informed Delivery, and...
by bluebolt
Mon Oct 02, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11240

Re: Prevent mail theft; sign for USPS Informed Delivery

Recently covered in a thread here: https://www.bogleheads.org/forum/viewtopic.php?t=225757 bluebolt, Thank you for a link. I have not seen that thread before. Now, that I've read it, please note: The August 2017, thread focused on the conveniences of this service and general ways to get rid of junk...
by bluebolt
Mon Oct 02, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2926

Re: Reach out to hiring manager directly on LinkedIn?

As a hiring manager, I see no downside in this. Worst case if the company policy requires that you go through HR, they will just tell you and you will be no worse off. Even then, I would appreciate the initiative. As a hiring manager, I would naturally be a little irked if someone did this to me, a...
by bluebolt
Sun Oct 01, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2926

Re: Reach out to hiring manager directly on LinkedIn?

It really does depend on the corporate culture. It could work, or it could backfire. Read the ad carefully and see if it says anything about the process, such as the preferred timeline for application review and when the job begins. Check Glassdoor or other sites that could speak to the corporate c...
by bluebolt
Sun Oct 01, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2926

Re: Reach out to hiring manager directly on LinkedIn?

As a hiring manager, I see no downside in this. Worst case if the company policy requires that you go through HR, they will just tell you and you will be no worse off. Even then, I would appreciate the initiative. As a hiring manager, I would naturally be a little irked if someone did this to me, a...
by bluebolt
Sun Oct 01, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2926

Re: Reach out to hiring manager directly on LinkedIn?

As a hiring manager, I see no downside in this. Worst case if the company policy requires that you go through HR, they will just tell you and you will be no worse off. Even then, I would appreciate the initiative.
by bluebolt
Sun Oct 01, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1780

Re: a $2000 pizza

I'm sure all the folks from the (now locked) Rolex thread are going to come over here and explain why it's worth it to spend $2000 on a pizza. :oops:
by bluebolt
Sun Oct 01, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2089

Re: Boston to Bar Harbor trip

In the Boston area, the following are good places to eat (these are my personal favorites, so aren't always close to the tourist areas): Oleana- Turkish Sarma- also Turkish (same owner as above) Suvaai- South Indian (very fresh ingredients) Chili Garden- Szechuan, very spicy Mama Maria- Italian, a ...
by bluebolt
Sat Sep 30, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 6504

Re: Personal finance help for those below/near poverty line

To the OP, "in need" is a broad term, but I can share some things that have helped to support our adult son with autism. 1) In CA, we have a LINK paratransit bus services, which offers door to door transportation for $4 one way, regardless of the distance. This helps him get to and from support pla...
by bluebolt
Fri Sep 29, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

For watches? If you hid/removed the Rolex logo, covered the jewelry elements (quality of the band, gold of the watch casing, etc), how different would it be from a decently made, similar in style $50 or $500 watch? Is it more reliable? I doubt it - a quartz watch is presumably going to be more accu...
by bluebolt
Fri Sep 29, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

I wonder how many people who have an expensive watch think it's ridiculous that someone would spend $15K-$50K (or $300K!) on a handbag. http://www.telegraph.co.uk/fashion/brands/meet-the-worlds-most-expensive-handbag-an-herms-birkin-bags-sell/ I still really would like to know the answer to this qu...
by bluebolt
Fri Sep 29, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

The TV analogy would work if you were comparing a beautiful looking 4K 60" flatscreen to a 1970's 11" Blank and White Tube TV. They both serve the same function but the 4K provides a MUCH nicer experience. Homer- I don't think we are going to convince you to buy a Rolex - but next time you are in a...
by bluebolt
Fri Sep 29, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

The TV analogy would work if you were comparing a beautiful looking 4K 60" flatscreen to a 1970's 11" Blank and White Tube TV. They both serve the same function but the 4K provides a MUCH nicer experience. Homer- I don't think we are going to convince you to buy a Rolex - but next time you are in a...
by bluebolt
Fri Sep 29, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

You can only go up from the coke analogy :-). From my perspective, if one's argument is a $20 watch is the same as a $5k watch, then I guess I'm curious why wear a watch at all. Odds are you have a phone right there in your pocket to tell you the time. Why does one feel the need to show off that he...
by bluebolt
Fri Sep 29, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

IRL, I think most people who can afford an iPhone refuse to use only the provided cable, just as you do. It seems that every time I upgrade my iPhone or iPad, I have to get a bunch of new cables also. I don’t buy Apple branded cables, but they’re still pricey. I wouldn’t mind paying once, but I hav...
by bluebolt
Thu Sep 28, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1479

Re: Smart Home: Google, Apple, or Amazon?

I'm not really a voice activation kind of guy, I do have a Samsung SmartThings Hub that I'm pretty happy with, it runs my zwave switches for my lights. I have a simple remote that triggers the hub automation scripts, and I can also run the scripts from my phone. I had the SmartThings set up first. ...
by bluebolt
Thu Sep 28, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1479

Re: Smart Home: Google, Apple, or Amazon?

I'm not really a voice activation kind of guy, I do have a Samsung SmartThings Hub that I'm pretty happy with, it runs my zwave switches for my lights. I have a simple remote that triggers the hub automation scripts, and I can also run the scripts from my phone. I had the SmartThings set up first. ...
by bluebolt
Thu Sep 28, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

1. The people who think owning an expensive watch is stupid think watches should solve the "telling the time" problem. That's why a Casio = Rolex. 2. The people who think owning an expensive watch is awesome think watches should solve a different problem than the "telling the time" problem. For thos...
by bluebolt
Thu Sep 28, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

I wonder how many people who have an expensive watch think it's ridiculous that someone would spend $15K-$50K (or $300K!) on a handbag.

http://www.telegraph.co.uk/fashion/bran ... bags-sell/
by bluebolt
Thu Sep 28, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3201

Re: Verizon TravelPass

Actually I like the Verizon TravelPass. It works exactly as advertised. We go to Canada a lot, where the rate is $2 a day, and have used it on our last two Europe trips, at $10 a day. We're on a 12 gig plan with 2 phones and a hotspot. For us it is a good deal and hassle free. However we are not gl...
by bluebolt
Wed Sep 27, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Meaningful wedding gift?
Replies: 20
Views: 1580

Re: Meaningful wedding gift?

What's your budget? That will help with suggestions. I was in a similar situation and bought my friend and his wife a beautiful piece of artwork. That was almost 20 years and three homes ago and they still have it hanging in their home. The most memorable gift that we received: Someone (without us k...
by bluebolt
Wed Sep 27, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3201

Re: Verizon TravelPass

Just keep in mind that the new "roam like at home" rule is slightly different for PAYG SIMs, which is what you'd by purchasing as a non-resident tourist: "If you pay per unit, and your domestic unit price of data is less than €7.7 per GB, your operator may apply a roam like at home volume limit on ...
by bluebolt
Wed Sep 27, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

That makes me feel better. And I'm not including you in the group of pompous show-offs who feel the need to own a multi-thousand dollar item that does the exact same thing as a ten dollar one. If you include yourself in that group enough to take offense, then wouldn't that be ridiculous? If simply ...
by bluebolt
Wed Sep 27, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

...I view mechanical watches as little works of art and I admire them as such... +1. Again. Sigh... Whatever you do, do not let other people on BH condescendingly explain to you why you want a Rolex. Or a car other than a ten year-old Camry. You know why you want it; they presume that they know why...
by bluebolt
Wed Sep 27, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 10981

Re: The Rolex and The Boglehead

...I view mechanical watches as little works of art and I admire them as such... +1. Again. Sigh... Whatever you do, do not let other people on BH condescendingly explain to you why you want a Rolex. Or a car other than a ten year-old Camry. You know why you want it; they presume that they know why...
by bluebolt
Wed Sep 27, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 6504

Re: Personal finance help for those below/near poverty line

All of the items suggested are fine but there's one big item missing. GET INCOME UP. Drive with uber, get a 2nd or 3rd job, go back to school, etc Saving $10 a week on food or depending on the government/food pantry/charity is not a solution. It is a great TEMPORARY stop gap but the real problem is...
by bluebolt
Tue Sep 26, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3201

Re: Verizon TravelPass

I will be traveling for about 8 days in Prague and 12 in UK. Where does one get the SIM card and does the same card work in both countries? You can get it when you arrive or you can order it from Amazon or eBay. Yes, the new European roaming rules allow you to use it in both countries. I assume you...
by bluebolt
Tue Sep 26, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3201

Re: Verizon TravelPass

That is correct. You'll use your existing data allowance. You will have to dial a '+' plus the country code for the country you are dialing. The US country code is 1, so +1 212 555 1212. UK is +44 and Czech Republic is +420. I don't know how long you will be there, but I prefer to get a local SIM, s...
by bluebolt
Tue Sep 26, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3570

Re: Unbelievable AT & T

When I switched away from AT&T, I called customer service to verify the final bill would be prorated. The customer service rep told me it would be prorated. I switched 2 or 3 days into the billing cycle. When I got the bill, it was for a full month. I called up customer service and they told me they...
by bluebolt
Mon Sep 25, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 26
Views: 3032

Re: Finding a Driver

Because Uber and Lyft drivers are "independent contractors," they can't dictate how the drivers spend their time when they are not driving for them. So, I don't see an issue with asking a driver that you like to do that for you. However, they are unlikely to be properly insured unless they are alrea...
by bluebolt
Mon Sep 25, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4466

Re: IOS 11: Anybody using it yet?

There has never been a feature so compelling that I've felt the need to update as soon as a new OS version is available. Saves me the trouble from the initial inevitable issues. I just wait until the first major patch which is usually much better.
by bluebolt
Mon Sep 25, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2967

Re: Do you subscribe to digital newspapers?

Yes.

New York Times
Washington Post
Boston Globe

I used to subscribe to The Economist, but didn't read it enough to justify it. Now I get access to digital copies via my library when I want to read it.
by bluebolt
Fri Sep 22, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Tips/Steps for selling a car
Replies: 19
Views: 1365

Re: Tips/Steps for selling a car

4. Make up a sales agreement specifying the details of the sale and purchase. Perhaps in this, make clear that the car has no guarantee, warantee and is sold "as is". This is something that again is state specific. In Massachusetts, a vehicle up to a certain number of years and a certain number of ...
by bluebolt
Thu Sep 21, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 705

Re: How does this two factor authentication work?

Pseudo-random, not random, correct? Otherwise, how could they both generate the same number? Nit picking. It is a distinction without a difference for security purposes. RSA SecureID is secure. Wasn't attempting to nit-pick. Was honestly inquiring to try and understand how it works. But it is an im...
by bluebolt
Thu Sep 21, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: How does this two factor authentication work?
Replies: 9
Views: 705

Re: How does this two factor authentication work?

Basically the company in your case Charles Schawb will have in their computers what sequence of numbers will he displayed at what time, based on the serial number if the device they shipped. The easy way to think is both the sequence of numbers will match, one from your device and in the company's ...
by bluebolt
Wed Sep 20, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5009

Re: Getting (young) kids interested in coding

C++. They will love it. Only if you want to raise spoiled kids. Fortran 66 or maybe Cobol are the only acceptable choices. To be nice we will let them use a terminal instead of punch cards........ Well back in my day, we programmed in assembly language and we liked it. Anyone who couldn't handle th...
by bluebolt
Wed Sep 20, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24135

Re: Name something you had to have and now you regret purchasing it?

I spent over $10k on top quality large format photography equipment (the wooden accordion camera where you get underneath the dark cloth). I was going to be Ansel Adams, venturing off into the wilderness to capture Nature in all her beauty. The bag + hiking gear was over 40 lbs, and I nearly died c...
by bluebolt
Wed Sep 20, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 66
Views: 5421

Re: Lawyer overbilling for prenup review

Most lawyers are risk averse for themselves and their clients. If it will take 10 hours to research a piece of law that covers a relatively unlikely case that could be very damaging if it happens, they will research it and bill you. The difference is that the lawyers who have good client management ...
by bluebolt
Mon Sep 18, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5009

Re: Getting (young) kids interested in coding

Minecraft. I know kids who got super into Minecraft as a game and then got into customizing it and that led to an interest in programming.

Obviously more indirect and no guarantee of success, but might be worth a try.
by bluebolt
Mon Sep 18, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Do I need an umbrella insurance?
Replies: 8
Views: 811

Re: Do I need an umbrella insurance?

It also depends on your level of assets and your risk level. DW and I are in the two comma club, entertain frequently and have a non-zero risk of being sued for things covered by umbrella insurance, so for us it's important to have. If you don't drive much, have less than a couple hundred grand in t...
by bluebolt
Fri Sep 15, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

How long do iPhones last before they generally start to slow down or become obsolete due to operating system updates? 2-5 years. In addition, the lithium battery has a limited life - after 2 or 3 years it's noticeable and after 5 or so years it will probably have a significant impact on the charge ...
by bluebolt
Thu Sep 14, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

I find the tone of some comments about new iPhones, Teslas very interesting from a BH perspective. I worked very hard, lived frugally and saved/invested for over 30-years so my family and I would have enough funds to experience some pleasures if I lived long enough. So, for the record, I own a Tesl...