Search found 802 matches

by new2bogle
Fri Feb 17, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 35
Views: 4883

The russians are hacking me

I have a LogMeIn.com account which I do not use and in which I have no stored passwords. I got an email this morning that an attempt had been made to try to access my LogMeIn account, here's the snippet: There was a failed login attempt to your LogMeIn account. LogMeIn ID: xxx@xxx.xxx Time of Event:...
by new2bogle
Tue Feb 14, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 86
Views: 8904

Re: The Wall Street Journal to close Google loophole entirely

linenfort wrote:
mr_breen wrote:I just came across this article...


The journalists want to be paid for their journalism? The nerve! :D


If only they were journalists!
by new2bogle
Tue Feb 14, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 17
Views: 819

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

Roth IRA for sure. 0.9% is like free money. My car loan is also at 0.9% and I for one am putting no extra payments towards it.
by new2bogle
Tue Feb 14, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3212

Re: New cars or Pool?

I would not get a pool. Several of my aunts/uncles have pools and they claim it is the biggest money sink in maintenance costs. Another multi-millionaire friend I know ($50+ million) doesn't use his heated pool's heating capabilities because "it is too expensive". He is known to be a cheap...
by new2bogle
Mon Feb 13, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 2372

Re: Verizon wireless unlimited data plan

It's an attractive option (especially the included tethering) and I'll be taking a close look. However, according to what I've read online, this plan won't be eligible for employee discounts. If so, then it will be more expensive than my current plan and I'll probably not switch. Yup, I was interes...
by new2bogle
Fri Feb 10, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 88
Views: 5494

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

As some posters have noted, negotiate over email. When I bought a new car, I sent an email to all Honda dealers in a 200 mile radius. I knew the price I wanted and one dealer actually beat that price on their first email. No other dealer came close (though two called and asked what price I got and t...
by new2bogle
Fri Feb 10, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 2442

Re: Worth it to get 300 Mbps internet?

I pay $69 for 200/20 service and through my hardwired PC connection get ~250/24 Mbps speeds. I have a new (~3 months old, $70) gigabit/AC wifi router that sits on a different floor and still gives me a ~200/23 Mbps connection on 5GHz. On 2.4GHz (N wifi) I get ~100/23 in the same spot. Wifi speedtest...
by new2bogle
Tue Feb 07, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5271

Re: Hardwood floors vs Wood Look Tile?

I agree with PowDay above. I'm too concerned that the wood-look tiles will be a weird trend that we look back on in 20 years and ask ourselves what in God's name we were thinking (like old appliance colors from the 60s and 70s, shag carpet, conversation pits, basically anything "modern" f...
by new2bogle
Tue Feb 07, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 5271

Re: Hardwood floors vs Wood Look Tile?

I've seen the wood look tiles on the first floor of my friend's house - it looks nice and the durability of tile is great. That being said, we put down 1/2 inch thick laminate flooring which visitors always mistake for hardwood due to its quality. With three young kids though, we should have gone wi...
by new2bogle
Mon Feb 06, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 61
Views: 4699

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

I will never use free mail. It "bogles" my mind that so many people, apparently, are unwilling to pay less than 1.70 USD per month for quality mail hosting. dm200, you are correct to pay for email. It's just that Earthlink might not be the best choice. There are many great choices out the...
by new2bogle
Sat Feb 04, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft requires cell number
Replies: 36
Views: 2324

Re: Microsoft requires cell number

Not only for microsoft, for everything else outside your personal life, you can use google voice. Text to your google voice number will be forwarded to your gmail. Voice mail will be transcribed and sent to gmail. Calls can be directed to your land line or any other phone number you want, even to y...
by new2bogle
Fri Feb 03, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Where to Park Emergency Fund to protect against inflation
Replies: 32
Views: 3623

Re: Where to Park Emergency Fund to protect against inflation

I have our emergency fund in vested in VWINX. It's a balanced Vanguard fund that's 60% bonds / 40% mega blue chip stock. It's only lost money in six of its 47 years, and it 'only' lost 9.84% in its worst year ever, 2008 (and it recovered all of that plus in 2009). Considering that I'm not likely to...
by new2bogle
Fri Feb 03, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: When to file income tax
Replies: 12
Views: 1540

Re: When to file income tax

I usually file in September.
by new2bogle
Fri Feb 03, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 8060

Re: How do you guys ignore this stuff?

DSInvestor wrote:Stop watching cable news and financial news.


+1 million. I really believe my health has improved after I stopped watching: Fox News, CNN, MSNBC, CNBC, etc. I used to watch all, now none.

I know a lot more about sports now too.
by new2bogle
Fri Feb 03, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide is so incredibly frustrating!! [unexpected 401a transfer fees]
Replies: 8
Views: 963

Re: Nationwide is so incredibly frustrating!! [unexpected 401a transfer fees]

Nate79 wrote:Wow, that's crazy. I would request plan documents where the transfer fee is clearly listed. Is there any government body to complain to for your plan?


Probably not anymore.
by new2bogle
Mon Jan 30, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11216

Re: Best Places to Live in US?

I like all the Austin post. Want to buy a house? Austin is a great city but like everywhere in Texas its HOT HOT HOT for a big chunk of the year. Without a pool or lake there isn't much to do in the summer and those summers are long. (I call it reverse winter because we are trapped indoors.) My com...
by new2bogle
Fri Jan 27, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help, please, on new salary negotiations
Replies: 66
Views: 4605

Re: Help, please, on new salary negotiations

KlangFool wrote:
2) To each its own. Some of us do not need a job to find our intellectual fulfillment.

KlangFool



I agree with you on that KlangFool. I enjoy your contrarian posts.
by new2bogle
Thu Jan 19, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Disagreement - Stark Law
Replies: 95
Views: 5265

Re: Medical Billing Disagreement - Stark Law

kiddoc wrote: That, however, does not excuse his office staff. Nastiness should not be tolerated, ever. Please bring it to his/her notice at the next visit.


So he/she needs to make another Doc appointment, pay the co-pay or deductible, just to tell the physician that the staff is rude?
by new2bogle
Wed Jan 18, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Tips for cancelling cable
Replies: 16
Views: 1850

Re: Tips for cancelling cable

When I cancelled comcast a couple of years ago (due to a move) I went in, waited for less than 10 minutes, returned all my equipment, cancelled all services and then MADE SURE to get a receipt. That last part is important in case comcast "forgets" that you returned your equipment or cancel...
by new2bogle
Mon Jan 16, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1682

Re: Nespresso Inissia Espresso Maker? (or similar)

Ok, here goes. I have the Nespresso Pixie and it is terrific. You have to find the taste of the pods that you like best from the initial sample pack and then order those going forward. I also have a K-cup coffee maker. Both take up room on the counter top, both are bad for the environment because o...
by new2bogle
Mon Jan 16, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1682

Re: Nespresso Inissia Espresso Maker? (or similar)

I'm a $0.30 K-cup guy, the wife likes $0.70 nespresso pods. We have two machines and a milk frother and are happy and precisely caffeinated We're just the opposite :D Wife loves the k-cup and I love the nespresso. Nespresso is a probably the best choice for a consistent espresso. It provides 80% of...
by new2bogle
Fri Jan 13, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9733

Re: How much do you typically spend in a restaurant?

Last night my son and I went to Chipotle because he had a BOGO coupon. We didn't get drinks. It cost $7.04 for two of us because the cashier liked my son's T-shirt and charged us only for the lower priced meal . I had double-meat, guacamole and everything. I ate half last night and the rest at lunc...
by new2bogle
Wed Jan 11, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Thinking of getting tires from Costco
Replies: 68
Views: 5391

Re: Thinking of getting tires from Costco

Do you have a Discount Tire near you? I've found their service to be top notch and they will always meet Costco's pricing, if they are not already lower.

Just make sure to get the tires you want.
by new2bogle
Mon Jan 09, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Desktop PC monitors
Replies: 13
Views: 1174

Re: Desktop PC monitors

The font size is a big concern for me. How small do the icons/fonts get on a 34" machine with a high resolution?
by new2bogle
Mon Jan 09, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Desktop PC monitors
Replies: 13
Views: 1174

Desktop PC monitors

I currently have two 24" screens for my desktop PC. I use both screens (multiple browsers or browser + word/excel/etc). I would like to reduce down to just one screen. What makes sense, 27" or 32"? Is 1080P good enough?
by new2bogle
Thu Jan 05, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 6509

Re: spousal disagreement over how much house to buy

My PITI is 17% of my gross and I feel like that is too much.
by new2bogle
Thu Jan 05, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1144

Re: What is your age, asset allocation and total return year to date?

My 3 day return is 1.5%.

Here's hoping it goes up 1.5% EVERY 3 days :sharebeer
by new2bogle
Thu Jan 05, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22766

Re: How much is your cell phone bill?

Carrier: Verizon Wireless Total bill a month after taxes: $165 Plan: $70 minus 19% with employee discount = $57 Devices: 4 Lines x $20 each + $10 Tablet Line = $90 New Verizon Plan Large = 8 Gigs per month with carryover. Bonus Data (won't expire) = 10 Gigs per month with carryover (we can't use th...
by new2bogle
Thu Jan 05, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5215

Re: Investing in a Masters and Ph.D?

Yes, I have a PhD, but the only people who address my mail with doctor are the people at my alma mater asking for money. I actually prefer not to be called doctor as some may assume that I am a medical doctor and think I am rich. On the other hand, I don't mind they calling me professor as this imp...
by new2bogle
Thu Jan 05, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5215

Re: Investing in a Masters and Ph.D?

I have a PhD from a top school in engineering which was fully funded through a fellowship in my 20s. It was very hard work. I can't imagine doing it in my fifties (in my late 30s now and I couldn't imagine doing it even now with back aches, knee aches, etc, getting old is not fun). If the end goal i...
by new2bogle
Tue Dec 13, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 4889

Re: What % of your net income do you save (not including 401k/IRA)

I save about 20-30% in taxable. That is mostly the college fund.
by new2bogle
Tue Dec 13, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Taking on a 5/5 ARM in this environment?
Replies: 27
Views: 2205

Re: Taking on a 5/5 ARM in this environment?

You need to shop around for rates. At www.usmtgcapital.com I see a 30 year is 4%, with a little rebate so maybe your out of pocket wouldn't be too bad.
by new2bogle
Tue Dec 13, 2016 11:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 9117

Re: Boglehead's newest millionaire

Congrats! I'm a little over half way there. Will see you once I cross that line :sharebeer
by new2bogle
Mon Dec 12, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8799

Re: Well, just got first pair of golden handcuffs

Congratulations! The advice my husband has received about company stock is to "never touch it". Congratulations Sorry, but I think this is almost the worst advice. Any RSU compensation should be sold as soon as possible. Now if the RSU value drops by 50% (or whatever) in the time it takes...
by new2bogle
Mon Dec 12, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Well, just got first pair of golden handcuffs
Replies: 58
Views: 8799

Re: Well, just got first pair of golden handcuffs

Once you start selling vested RSUs, you will realize a small increase in complication at tax time. RSUs are shown with a cost basis of 0 on the 1099. It is up to you to properly adjust them. Yes! I once received a letter from the IRS stating that I owed them nearly $20k and I almost had a heart att...
by new2bogle
Fri Dec 09, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 1984

Re: ADT raising rates - should I cancel?

rockonhumblepie wrote:new2,
Call ADT and tell them a friend (me) went from $55 to $43 mo. last yr..I've been with them 7yrs. and still happy with the service.
I betcha they work it out for ya.....rockon' 8-)


Haha.. thanks will do.

Thanks for the suggestions to call, will call on monday.
by new2bogle
Fri Dec 09, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6438

Re: Physician went out of network. Now I have a bill to pay. What to do

What is "the lesson learned" here? Someone goes to their normal PCP, arranges/recomfirms the same insurance as usual... What COULD someone have done to prevent this? RM Verify they are still in-network before going. My wife could have called them. But on a different note, I just checked t...
by new2bogle
Fri Dec 09, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Opening multiple checking accounts for bonuses
Replies: 3
Views: 504

Opening multiple checking accounts for bonuses

I regularly see different banks offering bonuses for opening a checking account (Chase for example is the latest). Seems like it's an easy way to make $500 (x2 if DW does it too) by meeting some minimum requirements, including keeping account open for 6 months. Let's say there are two or three banks...
by new2bogle
Thu Dec 08, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 1984

Re: ADT raising rates - should I cancel?

Thanks guys. I think per my contract at the minimum I should be able to get the $3 increase knocked off. Then 18 months left if they don't want to terminate the contract.
by new2bogle
Thu Dec 08, 2016 11:13 am
Forum: Personal Finance (Not Investing)
Topic: ADT raising rates - should I cancel?
Replies: 19
Views: 1984

ADT raising rates - should I cancel?

ADT sent out a notice that they are raising rates by about $3/month, not a big deal, total monthly bill will go up to about $55 after taxes. The contract states that I have the right to try to cancel the contract if there is any rate change (according to the contract, ADT can either waive the increa...
by new2bogle
Mon Dec 05, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2392

Re: Shoes for flat-footed over-pronators

I too have feet issues. Mine are a bit opposite of yours (high arches) but what I do is get a pair of shoes that works and then put in an appropriate in-soles. I use Super Feet which are AMAZING. They make different in-soles for different feet type. I highly recommend them.
by new2bogle
Thu Dec 01, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: how often to check on accounts for cyber theft?
Replies: 10
Views: 916

Re: how often to check on accounts for cyber theft?

skepticalobserver wrote:Everyday.Would Am and PM be too much trouble? Check for pending transfers in particular.


I check my eTrade, Fidelity and Wells Fargo accounts at least once a day.
by new2bogle
Thu Dec 01, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3408

Re: Buy iPhone 7 or Wait for iPhone 8

Why wait for the 8 when the 7 is free from most wireless providers? That's what I did.

When the 8 comes out, I'll use whatever deals are out there that will pay off my 7 and get the 8.
by new2bogle
Thu Dec 01, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 10735

Re: Feeling like you've "made it"

I never had the "worry" feelings you expressed. Maybe it is because I always had a loving family that I knew would take care of me; maybe it is from being a WWII veteran and being grateful for just being alive; maybe it is from being among the really poor people in this world during three...
by new2bogle
Thu Dec 01, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 10735

Re: Feeling like you've "made it"

Completely understand OP. We are late 30s, 3 kids, about $600k. I always feel like something could happen at any time. That's why we live on a strict budget. I think if I didn't have kids I'd feel way different (and they are also a huge money drain).
by new2bogle
Wed Nov 30, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: When to use a trust vs a will?
Replies: 8
Views: 954

When to use a trust vs a will?

My parents STILL have not written a will (or a trust). They say their friend advises them to get a trust like he did for his kids. I advised them to go meet with a lawyer (and got a ref for a really good one) but they still have not. They keep complaining that they don't know whether to get a will o...
by new2bogle
Mon Nov 28, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4403

Re: When should I upgrade my wireless router? (RT-N56U)

There are at least a few options to extend your wireless range, each with advantages and disadvantages. 1) A wireless access point (connected via ethernet from your router to a new location.) 2) A wireless range extender. Biggest downside is it halves your data throughput (IIRC). 3) Powerline adapt...
by new2bogle
Mon Nov 28, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4403

Re: When should I upgrade my wireless router? (RT-N56U)

I bought this TP-Link router a couple of months ago: https://www.amazon.com/TP-Link-Gigabit-Wireless-Archer-C1200/dp/B01IUDUJE0/ref=sr_1_1?ie=UTF8&qid=1480358954&sr=8-1&keywords=C1200 It worked out of the box within a few minutes. For $60 I would say it is well worth upgrading to somethi...
by new2bogle
Mon Nov 28, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Trailer on an Odyssey? [Is an Odyssey even the right choice?]
Replies: 34
Views: 1855

Re: Trailer on an Odyssey? [Is an Odyssey even the right choice?]

I have a 2015 Odyssey (that I have never towed with) and received a bulletin from Honda saying that the tow capacity in the owner's manual is incorrect. It was listed as higher than should be. You should double check that the owner's manual written capacity is correct for your model year.

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