Search found 234 matches

by mancich
Sat Sep 09, 2017 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 622
Views: 35827

Re: Equifax customer information leak

As other posters have mentioned in this and other threads, you should take 3 steps immediately: 1. Freeze your credit. it is either free or a very nominal amount. For the few times that you need to apply for new credit, a temporary unfreeze (a few days or a week) is sufficient and cheap 2. Enable tw...
by mancich
Tue Sep 05, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3666

Re: Did Charmin UltraSoft TP become "UltraThin"?

"Can you spare a square?" - Elaine from Seinfeld...
by mancich
Thu Aug 31, 2017 3:58 am
Forum: Investing - Theory, News & General
Topic: James Altucher's get-rich-quick pitch
Replies: 17
Views: 3494

Re: James Altucher's get-rich-quick pitch

Thanks all. As I said, I would never fall for a pitch like this, I was just more curious on what he was actually selling. :sharebeer
by mancich
Wed Aug 30, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: James Altucher's get-rich-quick pitch
Replies: 17
Views: 3494

James Altucher's get-rich-quick pitch

Ok, I like James Altucher's quirky writing, though I know he is trying to sell his products and books. I am a Boglehead through and through and don't believe in get rich quick schemes, and would never buy any program from him or anyone else. However, for my curiosity, watch this video and help me un...
by mancich
Wed Aug 30, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6544

Re: Bosch dishwasher?

We own a mid-range Bosch as well (Ascenta model). If I recall it was $550 on sale from Lowes. They delivered and installed it, and hauled away the old Kenmore which had died after many years of service. I've had the Bosch about 3 years now. Very quiet. Stainless steel sides and back, plastic bottom ...
by mancich
Wed Aug 30, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2628

Re: Best lubricant for exterior door locks

+1 for powdered graphite.
by mancich
Sat Aug 26, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 101
Views: 12755

Re: 30,000 in Checking Account

The previous posters have excellent suggestions. In my opinion, view your checking account as a way station; money comes in via your paycheck, then goes out to pay bills and fund investments and online savings account for your emergency fund. Keep no more in there than you need, plus a little buffer.
by mancich
Sat Aug 26, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"
Replies: 8
Views: 1716

Re: "Your Financial Life Is Complicated; Your Portfolio Shouldn't Be"

I just watched The Retirement Gamble online on PBS' website. It was very well-done and reinforced everything I (we) believe as a Boglehead. Simplicity and low cost win the day. Thanks for posting this Taylor :beer
by mancich
Thu Aug 24, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4298

Re: Exhaust Fan for the bathroom

Panasonic, as several posters have already said. We use the large one (300 CFM?) and it works great, and is very quiet.
by mancich
Fri Aug 18, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9212

Re: Non-fiction bucket list

I'm a non-fiction junkie (drives my wife crazy, as she's a pure fiction reader). The one easy non-fiction read that I very often recommend and give away to lots of people is A Short History of Nearly Everything, by Bill Bryson. Several of his other books are great too. +1 Outstanding book, he is a ...
by mancich
Wed Aug 16, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7304

Re: Postal Service -- "informed delivery"

Good tip, I signed up too.
by mancich
Tue Aug 15, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 7052

Re: Is $9000 too much for a sectional sofa ?

If it's made of 24 carat gold, then no, it's not too much. Otherwise, it is grossly too much. :beer
by mancich
Tue Aug 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3353

Re: What kind of hotel do you get on business travel?

My company has a cost saving initiative for travel (hotel, airfare, meals). There is a hotel rate cap by city, so I'm limited by that. Usually Courtyard or Fairfield Inns work fine, and also earn me some Marriott points. They're usually fine.
by mancich
Mon Aug 14, 2017 4:08 am
Forum: Personal Consumer Issues
Topic: Paint vs. Stain on fiberglass door
Replies: 11
Views: 824

Re: Paint vs. Stain on fiberglass door

I would paint it. For best results, use a coat of primer (such as Kilz) first, then 2 coats of of a high quality paint (I personally like Benjamin Moore).
by mancich
Fri Aug 11, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2354

Re: Diversify Your Emergency Fund?

If you want to diversify, then go with (2) online banks, each paying about 1% and FDIC insured, and call it a day. No reason to over-complicate things, especially not for the emergency fund portion of your assets.
by mancich
Fri Aug 11, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 43
Views: 4900

Re: Window replacement - any advice? Lessons learned?

We replaced all 20 windows in our home last year. It was $11,000 total. We went with a well-regarded family-owned local company, and used a brand called Ideal (Majestic series), out of New Jersey I think. The family-owned company did a great job. We got the kind with the dividers inside the glass, a...
by mancich
Thu Aug 10, 2017 6:21 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9385

Re: When does renting make sense

+1 KlangFool A house is not an investment, it is an expense. Most folks josh themselves into thinking they are making money when they sell it for more than they paid. But they also conveniently ignore the costs of buying and selling, and all the maintenance they paid for and/or performed. If you ta...
by mancich
Mon Aug 07, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Calling all Electricians
Replies: 13
Views: 2000

Re: Calling all Electricians

I'd call the electrician and tell him to get back to your house immediately, at no extra cost to you, and fix his mistake. Not capping a wire is amateur hour. I know mistakes happen, but that would be little consolation if a fire started.
by mancich
Sat Aug 05, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819045

Re: What Book Are You Currently Reading? Part VI

"The Imagineers of War: The Untold Story of DARPA, the Pentagon Agency That Changed the World" Very interesting read. I never knew DARPA had been involved in so many things, very neat stuff.
by mancich
Sat Aug 05, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Grocery prices crazy for the last five months?
Replies: 19
Views: 2077

Re: Grocery prices crazy for the last five months?

The 14 year old could be a definite factor. I have one, and she is an eating machine, and has shot up several inches over the last 1-2 years. Frightening how much she can eat, and she stays thin :beer
by mancich
Fri Aug 04, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Thanks for Mobile Passport App
Replies: 20
Views: 1666

Re: Thanks for Mobile Passport App

I second the kudos. My family and I recently used the mobile passport app, and we were through customs in minutes. Thanks again!
by mancich
Thu Aug 03, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Individual 401k question
Replies: 3
Views: 361

Re: Individual 401k question

1. The 402g employee deferral limit (2017 = $18K) is per person across all qualified defined contribution plans. A 457 plan is a non-qualified plan that uses the same limit amount, but its contributions are not included in the 402g limit. She will have the full $18K employee deferral limit for a on...
by mancich
Thu Aug 03, 2017 4:03 am
Forum: Investing - Theory, News & General
Topic: Individual 401k question
Replies: 3
Views: 361

Individual 401k question

Hello all, I know there have been several threads on Individual 401k/Solo 401k's, but I'm still not clear on a couple of things. Here's the situation: I work for Megacorp and put in $24,000 to my 401k (turning 50 this year) Wife (age 47) works for state government, and contributes 10% of her salary ...
by mancich
Mon Jul 31, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11335

Re: Your "at peace" moments.

An early morning well-brewed cup of coffee, followed by a workout. Then a little later, when the DW and kids leave for the day (I work from home)!
by mancich
Sun Jul 23, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Ameriprise Recommendations
Replies: 2
Views: 469

Re: Ameriprise Recommendations

Just one more reason to stay away from Ameriprise (and many other financial advisers). Keep things simple and avoid trying to be too clever.
by mancich
Thu Jul 20, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1876

Re: Office 2007 end of life

I have a spreadsheet I use for tracking investments and doing rebalancing analysis. No VBA, but some formulas for doing the computations. For some reason, LibreOffice can't open it successfully. Some of the formulas come up with an error code that I can't figure out. However, OpenOffice has no prob...
by mancich
Thu Jul 20, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1876

Re: Office 2007 end of life

Thanks again everyone. I think I'm just going to stay with 2007 for now. I will also look into Google Docs and LibreOffice to see if they can be a good alternative.
by mancich
Thu Jul 20, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Replacing Carpet in Gameroom and Bedrooms
Replies: 11
Views: 757

Re: Replacing Carpet in Gameroom and Bedrooms

I personally would go with a mid-range hardwood. We have hardwood downstairs, and carpet upstairs, and no matter how often we vacuum and dust, it seems like the bedrooms upstairs are always dusty. This is not an issue downstairs where we have hardwood and a few small area rugs. Plus I just like the ...
by mancich
Thu Jul 20, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260082

Re: What are you up YTD? [Year To Date]

7% in 401k. 53/47 stocks to bonds
by mancich
Thu Jul 20, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1876

Re: Office 2007 end of life

Thanks for the replies everyone. :beer
by mancich
Thu Jul 20, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1876

Re: Office 2007 end of life

George RR Martian writes Game of Thrones and everything else using WordStar 4.0 which dates back from the 1980s. First, does it suit what you need to do? Are their functions, macros, and VBA that you are currently using that are causing errors? Second, are you concerned about security? That is are ...
by mancich
Thu Jul 20, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1876

Office 2007 end of life

Hello all, I just read that Office 2007 end of life date is 10/10/17. I currently run Office 2007 on my Windows 10 desktop with no issues. I am a very light user of Word and PowerPoint, don't use Outlook at all for home use (use Gmail), and really only use Excel to a large degree. Excel 2007 does wh...
by mancich
Fri Jul 14, 2017 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7482

Re: Do you consider business travel to be a perk or a burden?

More burden than perk. If I was single and young I wouldn't care as much. But I'm married and have kids. Plus, driving back and forth to LGA is a pain (1 hour away and the only airport that flies direct on Delta to all the places I need to go), flight delays, traffic around NYC, etc, etc. It gets to...
by mancich
Tue Jul 11, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 27
Views: 2095

Re: Donation to Church for wedding?

thanks everyone!
by mancich
Tue Jul 11, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11627

Re: What do you splurge on?

magazinewriter wrote:Good garden tools. I like Felco pruners and lopping tools and Silky saws.
+1 Good quality tools make yard work a lot easier and more enjoyable.
by mancich
Tue Jul 11, 2017 6:57 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 27
Views: 2095

Re: Donation to Church for wedding?

Thanks all. I am thinking a $100 gift to the priest would be appropriate, especially since the ceremony will be very quick.
by mancich
Tue Jul 11, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 27
Views: 2095

Re: Donation to Church for wedding?

Thanks for the replies
by mancich
Tue Jul 11, 2017 4:36 am
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 27
Views: 2095

Donation to Church for wedding?

Hello all, My wife and I are regular parishioners at our Catholic church. We donate weekly, and I also give a larger donation 1x per year out of my March bonus. We want to get our civil marriage blessed in the church. Our priest has not mentioned anything about any kind of donation to the church or ...
by mancich
Mon Jul 10, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819045

Re: What Book Are You Currently Reading? Part VI

Boomerang: Travels in the New Third World by Michael Lewis. Free on Prime reading. I like the way he writes and find the book to be informative and entertaining.
by mancich
Mon Jul 10, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7779

Re: how to destroy hard disk with personal info

I douse it in gasoline, put it in a deserted field, then call in an airstrike. Then I drill holes in what is left, run rare earth magnets over it, and then run over it with my wife's SUV.... :D :beer
by mancich
Sat Jul 08, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10383

Re: Last 80 minutes of my career

Congratulations bikechuck! It sounds like you have earned a well-deserved retirement. Enjoy it to the fullest :beer
by mancich
Thu Jul 06, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4437

Re: Anyone bought a Pixel?

We are not a hardcore "Apple" family by any means, using both Windows PCs, iPads, and iPhones. But when it comes to phones, I can't convince DW and DD to try any different kind of phone. And I have to say, the iPhones we use (6, 6S, and 7) work perfectly. Not sure what switching to a Pixel would acc...
by mancich
Thu Jul 06, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14102

Re: Are you finding any good values at Amazon anymore?

Certainly Amazon is not always the lowest price on a given item, but their Prime benefits are outstanding IMO. And their selection on just about anything you can think of is incredible. As another poster said, I'm not going to spend time trying to save a few dollars when I know Amazon Prime just.......
by mancich
Tue Jul 04, 2017 3:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Fourth of July Message [Independence Day]
Replies: 13
Views: 1486

Re: A Fourth of July Message [Independence Day]

Bogleheads: I hope you enjoy this short video on this special day: God Bless the U.S.A. Best wishes. Taylor Thank you Taylor. This is an incredible video. Regardless of all we see in the news these days, I am sure that every era in American history had its own share of controversy, political "intri...
by mancich
Sat Jul 01, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 2854

Re: Buying a dishwasher

Bosch Ascenta. Purchased at Lowes 3 years ago for $550 on sale. Very quiet and cleans very well. Plus they installed it and hauled away the old one.
by mancich
Fri Jun 30, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1257

Re: Broken central air

Might just be the capacitor, a less than $30 part. Same thing just happened to me last weekend. Took the technician 10 minutes to change it out. Charged me $130 but it fixed the problem. Google it and check out YouTube as well. It looked like a very simple fix if you're relatively handy
by mancich
Tue Jun 27, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3878

Re: Worthwhile TV programming?

I've been watching "Catastrophe" on Amazon Prime and find it entertaining. Well-written and humorous, but definitely not something you want to watch when the kids are around, given the language and adult situations. The run time on each episode is about 25 minutes.
by mancich
Mon Jun 26, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3280

Re: Surge Protector for Refrigerator

+1 for a whole house SP. We have an Intermatic model installed right next to the main panel. I think it was $60, and my brother-in-law, who is an electrician, put it in for us. Cheap insurance. I still think it can't hurt, though, to use surge protectors inside on select appliances and electronics.
by mancich
Mon Jun 26, 2017 4:22 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2292

Re: Worth it to attempt repair on A/C condenser?

As an update, it was very hot and humid here yesterday, and DW didn't want to wait until the new part arrived from Amazon, especially since we're leaving for vacation soon and have a very hectic few weeks coming up in general; not a lot of time to tinker. She also didn't have quite the confidence le...