Search found 1171 matches

by new2bogle
Thu May 24, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Verizon - Total Mobile Protection
Replies: 5
Views: 523

Verizon - Total Mobile Protection

Right now verizon customers have a chance to enroll in Verizon's Total Mobile Protection plan for $13/month per device. Has anyone enrolled in this, used the plan (you have to pay a deductible too) and then canceled? I've got a small crack in my screen (covered by the plan) which would be cheaper wi...
by new2bogle
Wed May 23, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1844

Re: Buying a Woman's Tag Heuer On-line

I've done it before, almost 15 years ago now. I bought my wife and myself two Tags (Links) online from a non-authorized dealer. They were about 30% off. The watches came with everything you would get in a retail shop. I took it to a jeweler to get the strap adjusted and later to get the batteries re...
by new2bogle
Wed May 23, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1402

Re: Car wreck insurance settlement

My advice would be to get a lawyer, your medical bills are pretty high. In my case, I did not get a lawyer but my medical bills were only ~$600. I got my car repaired and something like 7 months later went in and talked to the other driver's insurance rep. I got a good amount but then I negotiated h...
by new2bogle
Fri May 11, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 16
Views: 2152

Re: How To Handle Auto Accident Insurance Company Letter

Thank you all for the valuable information. My DW is better; she sustained some injuries and she is better physically but not normal;. Mentally she is still suffering and is not willing to drive yet. She seems to have some memory loss and will take a cognitive test at a Neurologist that has already...
by new2bogle
Tue May 08, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6005

Re: Do we spend too much on food?

$600/month on eating out is too much.
by new2bogle
Tue May 08, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6013

Re: How much car to buy on $250K income, $200K NW, newborn on the way

My income is slightly less than yours and my NW is 3-4X yours. I felt uncomfortable spending $30k on a car (which I did when we bought our last new vehicle). So I would say $30k tops.
by new2bogle
Mon May 07, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: $1 State income tax refund from CA - Why?
Replies: 8
Views: 1164

Re: $1 State income tax refund from CA - Why?

Good Listener wrote:
Sun May 06, 2018 4:28 pm
I would not cash it.
I would follow this advice. Can you confirm it is actually from the State of CA and not some weird phishing trick?
by new2bogle
Mon May 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5018

Re: Buying new car or buying used car

After my first car purchase after college (2 year old Honda), I started to figure out that because I am willing to negotiate hard on a new car, I could end up getting a new Honda for only a few thousand more than a 2-ish year old used Honda. This is exactly true in my case. When we bought our brand...
by new2bogle
Wed May 02, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5042

Re: Home Theater Stereo/Speakers

I just recently assembled a home theater system on a budget. Wife and kids are very pleased with the following HT set up for a total of $1600 . Granted none of us are audiophiles, this system has far exceeded our expectations. 1. DIY projector frame with 120" screen $25 2. Denon AVR X1400H 7.2 Chan...
by new2bogle
Wed May 02, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Relocation with 'lump sum' bonus
Replies: 11
Views: 765

Re: Relocation with 'lump sum' bonus

Unless you are selling everything before you leave, it will be way too much of a hassle to move yourself. Do you have kids? Believe me, it is hard to pack a 4 bedroom house with kids. When we did our cross country move, we used the company's relocation assistance. They even came to our house and pac...
by new2bogle
Wed May 02, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5703

Re: Moving to The Woodlands,TX

No snow, no state income tax, comparitavely low real estate prices. I wouldn't count on the no snow part -- I've been stuck at DFW during a snowstorm. Northern TX will get pretty cold and regular snow/ice. I will not expect it in the Houston metro area at all. Never seen snow in the past 15 years. ...
by new2bogle
Wed May 02, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3378

Re: Auto loan or dip into emergency fund?

I would take the loan with the idea that I would either shop around and refinance it quickly at a lower rate somewhere else, or else pay the loan off early. It really depends on how big your emergency fund is, though. This. Is this a new car or used? I can't believe a new car loan is 3.5%, is that ...
by new2bogle
Wed May 02, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5703

Re: Moving to The Woodlands,TX

I live in Houston, but used to work in the Woodlands. It is a nice and forested area, there are six different types of poisonous snakes that live in the woodlands including the coral snake. It is kind of far from everything else in Houston so it depends on what your interests are and how far you ar...
by new2bogle
Wed May 02, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5703

Re: Moving to The Woodlands,TX

No snow, no state income tax, comparitavely low real estate prices. I wouldn't count on the no snow part -- I've been stuck at DFW during a snowstorm. Northern TX will get pretty cold and regular snow/ice. I will not expect it in the Houston metro area at all. Never seen snow in the past 15 years.
by new2bogle
Wed May 02, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 13
Views: 1394

Re: Optum HSA Fee Increase Notice

Here are the Optum fees for my employer sponsored HSA: Monthly Maintenance Fee $3.00 – Waived if average balance is $3,000 or more* Includes use of: Health Savings Account Debit MasterCard – to pay charges directly Online Bill Payment and Mobile Access Receipt Vault – allows you to upload and store ...
by new2bogle
Wed May 02, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

toomuchRE wrote:
Tue May 01, 2018 11:26 am
Looks like my story but I figured I will stick around...
After the weekend and talking to DW it looks like I am heading in the same direction.
by new2bogle
Tue May 01, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP taxing rules, to hold or not to hold
Replies: 28
Views: 1984

Re: ESPP taxing rules, to hold or not to hold

I sell ESPP right away. Your company or the ESPP administrator should provide you with a "blue" sheet which has the correct adjustments needed. This helps in paying as little tax as possible. You must use it to avoid being double-taxed.
by new2bogle
Tue May 01, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Job Search Suggestions (Tech)
Replies: 14
Views: 1044

Re: Job Search Suggestions (Tech)

LinkedIn --> there is no other way to find a job in tech. There is a setting you can turn on that let's recruiters know you are actively searching, turn that on. Recruiters will hit you up and then you connect with them and their connections and eventually you know a lot of recruiters. Your LinkedIn...
by new2bogle
Tue May 01, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5703

Re: Moving to The Woodlands,TX

Houston is a great place in the winter - all 4 weeks of it. Don't underestimate how bad it is the remaining 11 months: it's not just the heat but the humidity, bugs and generally being extremely unpleasant outside. Spring time allergies are very bad, mold allergens year round (but that is a TX wide ...
by new2bogle
Tue May 01, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2593

Re: Fiber cable on front lawn

8foot7 wrote:
Tue May 01, 2018 10:06 am
An easement doesn’t mean they can just leave %%*#% on your lawn.
Agreed. In a last resort scenario, I could see getting a shady lawyer to represent you on contingency after you "tripped" on the wire which caused you mental distress, etc.
by new2bogle
Tue May 01, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2593

Re: Fiber cable on front lawn

bob60014 wrote:
Tue May 01, 2018 8:18 am


A letter to CEO of Centurylink,
Glen F. Post III
100 Centurylink Dr
Monroe, LA 71203 may shake things up too.
A letter/email/phone call to the office of the CEO usually works. It did in my case (once for Lennar, once for Toyota) - very fast response too.
by new2bogle
Mon Apr 30, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

If your wife is going back to work, that means 1) your life is about to get a lot busier. She can't keep doing all the things she was doing. 2) You will already be getting an increase in pay through her work 3) Now you need to share sick kid responsibility, shuttling kids, etc so you NEED flexibili...
by new2bogle
Sun Apr 29, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

I'd stay put. Work life balance is important, a great boss is a rare thing, and your current job is well over my definition of "enough" money. What would you plan to do with the extra if you took a new job? Extra money: save, but definitely not all. Expenses would go to 1) house maintenance 2) hous...
by new2bogle
Sun Apr 29, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

Have not read it all but think it is worth checking with boss that he or she plans to stay. He plans to stay for a while at least, unless things get worse (i.e., no bonus, he's told me that if he gets no bonus this year he is leaving, which I agree with - we don't work for free). We've also talked ...
by new2bogle
Fri Apr 27, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

The biggest issue I see is the reduction in vacation. How close are you to retirement or at least financial independence? If the extra salary turns 5 years into 3 or 10 to 6 then I might go for it but probably not for less than that. I am 16 years away from my target [(removed) --admin LadyGeek] ou...
by new2bogle
Fri Apr 27, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

How old are you and how big of a difference will the increased money make? 20-40% raise is pretty fantastic at that level. It didn't look like the Worklife was that much worse, just that it required more office time. Does it also require more total hours per week? The only real sticker to me is the...
by new2bogle
Fri Apr 27, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

I'm in an extremely similar situation as you are. The main reasons I stay are that my boss is fantastic, arguably the best boss I have ever had in my entire career. 2nd to that is the work/life balance where I too, can come and go as I want/need to and nobody says a thing. A great boss is worth his...
by new2bogle
Fri Apr 27, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

I would stick with the current boss. one caveat, that I don't think was mentioned, was that in this case I would save a bit more of the paycheck in case things do go south with the current company. Having that extra savings/liquidity could go a long way. and hopefully the company turns it around an...
by new2bogle
Fri Apr 27, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

Wow, I think that is a 100% response rate for staying where I am - I wasn't expecting it to be so lop-sided.

Good food for thought this weekend. I do have a phone interview with them coming up, but I can always decline the real/on-site interview.
by new2bogle
Fri Apr 27, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

If it were me, I would stay at the current place as long as you’re enjoying it. A good manager is worth his/her weight in gold. Yes, you can make more money, but past a certain point, does more money really matter that much? In a similar situation, I made the switch. Work/life balance was terrible,...
by new2bogle
Fri Apr 27, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

For me, the decision would be easy - stick it out with the great boss at least until the company's financial future becomes certain. If you can leave for a big raise now, you can do the same later on if necessary. The number one reason people give when they quit a company is the boss. A good one is...
by new2bogle
Fri Apr 27, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Re: Money vs. Work-life balance

So the big unknown is how bad the financial issues are. Is it, "not going to get a bonus" bad, "soon to be layoffs" bad or "bankruptcy" bad? All things being equal, if I was making >$200k and had great work/life balance and the flexibility you describe, there's no chance I'd be looking elsewhere. I...
by new2bogle
Fri Apr 27, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7467

Money vs. Work-life balance

I'm currently debating on whether to start looking for my next job. My current MegaCorp has been having financial issues for the past 2-3 years that just don't seem to be going away and the board of directors are not voting to replace the C-level managers (all of whom need to go in my opinion). That...
by new2bogle
Fri Apr 27, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 1574

Re: Extended Warranty for Honda Odyssey - worth it?

Thanks for all the replies. This quote is from Saccucci online. The Hyannis quote is about $60 cheaper. This is NOT from my local dealer. If it is worth I think yes since any repair is going to be easily cost more than the price quoted. However they are killing you with that quote. Saccucci and Hyan...
by new2bogle
Thu Apr 26, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 1574

Extended Warranty for Honda Odyssey - worth it?

I have a 2015 Honda Odyssey EXL. I am getting these dealer quotes for an extended warranty: 48 months/80k miles - $950 48 months/100k miles - $1345 The time starts at contract purchase date and miles is for total miles on odometer (I have just under 36k right now, so my warranty is about to expire)....
by new2bogle
Thu Apr 26, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2198

Re: Help! Nephew is asking for college advice (undergrad choices)

I'll have to chip in with my grad school alma mater - Univ of Michigan (Ann Arbor). Excellent and very rigorous classes. Job fair is phenomenal with basically all companies represented. If I had not gone to Michigan, then Purdue would have been an excellent choice :D
by new2bogle
Thu Apr 26, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5775

Re: Comfortable Commuter Cars under $50K

How is the Audi Q5 reliability, say for a 2016-17 model? I would opt for the GS 350, I did not find the ride too stiff on a test drive. Also wondering how this makes you look like a married dad? I am currently contemplating between these two (Q5 and GS350) for a purchase later this year, most likely...
by new2bogle
Thu Apr 19, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4968

Re: Factor in evaluating Physicians

OP, thanks for posting this.

I see the ENT I went to a couple of years ago got north of $70k in payments in just 2015.
by new2bogle
Thu Apr 19, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 4 fund that would be better than freedom fund?
Replies: 15
Views: 1249

Re: Fidelity 4 fund that would be better than freedom fund?

I use fidelity for a three fund portfolio: FSTVX - Fidelity Total Market Index FSEVX - Fidelity Extended market index (my tilt) FTIPX - Fidelity Total Intl index AGG - ISHARES CORE U.S. AGGREGATE BOND ETF (free to trade at fido) Alternatively, you can just get: FFNOX - Fidelity Four in One index. It...
by new2bogle
Wed Apr 18, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3312

Re: Suddenly I had a weird bill go to collections - what's my course of action?

Help, I'm really stressing out! You're stressing out over a $100 possibly invalid debt? All collection agencies do is scare people who don't know that the agencies can't actually do anything. Write the letter to the collection agency asking them to validate the debt and, otherwise, not contact you,...
by new2bogle
Sun Apr 08, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4657

Re: Handling ageism in tech

OP, are you in IT or some other tech field (software/hardware)?

I am in tech too (hardware) and am interested in peoples thoughts.
by new2bogle
Thu Apr 05, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 4044

Re: How did you file your income taxes?

I have not filled out my 2017 taxes yet and had been using TaxAct for a decade or so. This year, I didn't even bother logging into my TaxAct account. Today, I received an email offer from TaxAct for federal file for $5 (state is $39.99 but I live in a no state income tax state :D ) so went ahead and...
by new2bogle
Thu Apr 05, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: new mattress/bed - king size upstairs
Replies: 10
Views: 1497

Re: new mattress/bed - king size upstairs

We purchased a king size Nectar Mattress aboutn 4-5 weeks ago. It is marketed as "medium-firm" but more on the firm side. We like firm so not an issue at all. The mattress is awesome and we really like it. Reason I ordered Nectar was because they have a 365 day trial period. I wanted to make sure th...
by new2bogle
Thu Apr 05, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6996

Re: Asking for a raise/promotion with another offer in hand

As an employer, if you approached me with valid reasons for a raise/promotion, I would listen, but those reasons would have to be based on did you add value to the company. So did you make the company better? If I also found out you were seeking a job while still employed, I would have helped you c...
by new2bogle
Wed Apr 04, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 5928

Re: Amica Increase

I have Amica and my bill went up after my first year by about 10% with no claims or even calling them on the phone. The second year it also went up, but by maybe 5%. Since then it's been smaller increases until this past year when it went up by another 10% due to two accidents in the same year by my...
by new2bogle
Wed Apr 04, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 612
Views: 69921

Re: Netflix, Your Current Favorite Show

Finished watching Dark a few weeks ago - excellent. The story is not hard to follow as some have said - you just need to pay attention. Finished first season of Jessica Jones and starting second season next week. First season was pretty good. I've seen pretty much all of the dark crime series (espec...
by new2bogle
Wed Apr 04, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 10834

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

My frustration is with the article, and not with the couple. They're fine -- but they're not saving $150K because they stopped going to concerts, or because they eat inexpensive Chinese cuisine. They're very well off and well-compensated by American standards, and when one is well-off, it's very, v...
by new2bogle
Wed Apr 04, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2163

Re: Protecting personal privacy on-line - CBS News

I think most people will be fine with:

1) using a VPN
2) Never use Facebook
3) Log out of gmail when done using
by new2bogle
Tue Apr 03, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Best longevity calculator?
Replies: 32
Views: 2776

Re: Best longevity calculator?

The links above predict I will live within 2 years of 3 out 4 of my dead grandparents (1 still alive and ticking away in her 90s!), which is ~87. So maybe these calculators really are up to something...