Search found 185 matches

by sschoe2
Mon Dec 11, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2381

Re: Paying contractors for incomplete work

Toilet repairs should be DIY. You can rebuilt a whole tank for $25 and an hours work (a bit more if the darn bolts are rusted and cause problems).
by sschoe2
Mon Dec 11, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 47
Views: 2748

Re: Linux based laptop or just a Windows based laptop formatted?

I've installed Linux on many PC's and have yet to encounter any issues with drivers. I occasionally have to use windows to use ODIN to send stuff to my android tablet, and to update the firmware on my Brother Printer. Those were the only times I have needed Windows. Linux for me has always been plug...
by sschoe2
Thu Dec 07, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5460

Re: What do Bogleheads say when they don't want to spend money?

For myself it isn't so much a question of can I afford it as it is a mental conversation:

Do I need it? What will it do for me?
Is it worth losing that much money over?
Is there cheaper yet still sufficient alternative?
by sschoe2
Thu Dec 07, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 110
Views: 17737

Re: Where to buy a Vanguard hat? An Update and bad news

How about a Vanguard door mat for when the Edward Jones salesmen comes to your door.
by sschoe2
Tue Dec 05, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1560

Re: Running Linux vs Other OS?

I use Mint as my main OS on both computers. I have Win 10 on a separate partition on one for the very rare occasions I need windows (Using ODIN to flash my android tablet).
by sschoe2
Sat Dec 02, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10360

Re: Price of haircut?

$5+$2tip about every 8 weeks. A local walk in studio near me.
by sschoe2
Wed Nov 29, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4198

Re: Scammed by Enterprise Car Rental

Yea Enterprise are sharks. They once got me with some sort of gas coverage program (I was tired from my flight and they confused the heck out of me) fortunately I was on a interview and had all that paid for by the company. Just say no to everything and if they still hassle you tell them get me my c...
by sschoe2
Wed Nov 29, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5245

Re: Edward Jones trap

One of my favorite bits of wisdom:

"When someone does a foolish thing, you should tell them it is a foolish thing. They can still continue to do it, but at least the truth is where it needs to be."
by sschoe2
Wed Nov 29, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 54
Views: 3521

Re: Buying a dishwasher

badbreath wrote:
Fri Jun 30, 2017 10:33 am
Look at a Kitchenaid since they invented the dishwasher.
Kitchenaid=Whirlpool
by sschoe2
Wed Nov 29, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5483

Re: When to tell the SO about my financial situation?

If you have already discussed the prenup, what is there to be scared of telling her more about your finances? Honey since you have so much more than I do could you help me pay off this loan, or would you mind paying this... Sorry to come off as some militant MGTOW but I've seen enough friends taken...
by sschoe2
Wed Nov 29, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5483

Re: When to tell the SO about my financial situation?

The OP has a lot to lose. If he puts a ring on her finger at any point she can bolt and use the family court to take half his net worth plus legal fees. The divorce rate is statistically >50% and statistically >80% of all divorces are started by the female. Protecting your assets is every bit as imp...
by sschoe2
Wed Nov 29, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5483

Re: When to tell the SO about my financial situation?

I'd wait until you reach the stage where a marriage proposal is imminent to get specific. Then I would get a prenuptial agreement for sure especially when there may be a large wealth mismatch between you and her so you don't get taken to the cleaners later in family court. I agree. Of course, chanc...
by sschoe2
Wed Nov 29, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5483

Re: When to tell the SO about my financial situation?

I'd wait until you reach the stage where a marriage proposal is imminent to get specific. Then I would get a prenuptial agreement for sure especially when there may be a large wealth mismatch between you and her so you don't get taken to the cleaners later in family court.
by sschoe2
Wed Nov 29, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 17791

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Also totally agree. It is the 21st century tulipmania and at some point there are going to be a lot of bag holders.
by sschoe2
Sun Nov 26, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5738

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Checked my mail and noticed the voting mail, but it's too late to vote as I am a little late. Was it pretty important? We are voting for a new fund manager right. and what are the results should we pay attention to thsoe. All of the funds received enough votes for a quorum. All recommended Vanguard...
by sschoe2
Sun Nov 26, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 5738

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

It is always tough to get people to vote and getting passive investors, which is Vanguard's typical customer, to vote is probably harder so they are going all out.
by sschoe2
Sun Nov 26, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4907

Re: if you could use only 1 investment firm...

I am nervous about having all accounts within one entity. Why? I think it is fine having your investments in one place but I'd rather have savings and checking some place different. In case there is fraud or suspected fraud and they freeze all your accounts you need some place else to get your mone...
by sschoe2
Sun Nov 26, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4907

Re: if you could use only 1 investment firm...

I like Vanguard for myself but their obstinance with regards to durable powers of attorney greatly concerns me. If I end up transferring my mother's portfolio I probably would not go with Vanguard.
by sschoe2
Thu Nov 23, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Illinois Income Taxes Online
Replies: 11
Views: 919

Re: Filing Illinois Income Taxes Online

I've done it for free for years. I file federal with Taxact then complete the State for free at the DOR website.
by sschoe2
Wed Nov 22, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12132

Re: Help DW gets fired, but then next day her boss offers her job back

For those suggesting fewer hours. If she is doing the work of 3 people a reduction in hours likely would not work. It would be a judgement call as to how quickly she can get another job equal or better to what they are offering. If there is any doubt as to how easy finding a new job is I would take ...
by sschoe2
Sun Nov 19, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15242

Re: Why pay cash for a car?

The last time I bought a car I had no choice. My dad's 95 Saturn excrement-box finally reached the not worth repairing stage and the muffler literally fell off from rust. This was late Jan 2009. I had a 770 credit score and was looking to buy a base Fit. Up2Drive turned me down, one of the large ban...
by sschoe2
Sat Nov 18, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1552

Re: Hyundai Elantra Special Edition- any thoughts?

Overall I like my Fit as well as well as my mom's Elantra. I like the cargo space (can fit a bike in without taking off the wheels just turn front wheel up). It has been pretty good mechanically especially compared the the 90's GM excrement-boxes my parents bought that they came to regret. First car...
by sschoe2
Sat Nov 18, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4446

Re: Replace TVs with Smart Tvs or not?

I just dumped cable for antenna. I have an old SONY DLP in the rec room I just bought a new digital tuner/usb video for.

I watch most stuff on my computer with a large monitor. It also has a HDhomerun for watching broadcast.

Keep your old TV and buy accessories for it.
by sschoe2
Sat Nov 18, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra Special Edition- any thoughts?
Replies: 21
Views: 1552

Re: Hyundai Elantra Special Edition- any thoughts?

I have a 2009 Honda Fit and a 2010 Hyundai Elantra Fit: better gas millage average 32-33mpg acceleration is better mechanically very durable except for A/C a lot of cheap not as durable plastic interior parts and the paint scratches and body dents on the exterior if you blow on it. Elantra Nicer int...
by sschoe2
Fri Nov 17, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401k how to reduce or eliminate fees
Replies: 4
Views: 308

Re: 401k how to reduce or eliminate fees

Yep. That is why you should always roll a 401k to an IRA whenever you leave a job. Almost always lower fees and more options with an IRA.
by sschoe2
Thu Nov 16, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117859

Re: U.S. stocks in freefall

Can we post a new thread titled U.S. stocks rising out of control or is that a non-actionable troll post?
by sschoe2
Thu Nov 16, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone safe
Replies: 28
Views: 2198

Re: I have a cell phone that has some malware from the cell phone maker. Malwarebytes can't not remove it. Is the phone

Are there custom ROMS like Lineage OS available for it? If so I'd look into rooting it and wiping and installing a custom ROM.
by sschoe2
Thu Nov 16, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Identity Theft Credit Score
Replies: 13
Views: 1199

Re: Identity Theft Credit Score

With this history, SS will change her number. They will resist, but with the police report, etc it should go through. The fraud cards should be removed from her credit file. I was reading a similar saga on another forum about a poster who's ex-husband and his sister kept opening more and more accou...
by sschoe2
Tue Nov 14, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5320

Re: POAs may not be that powerful

I am currently going through this with my mother who had a stroke. I do not have a POA yet she just recently became coherent again so I am planning to get one as soon as I can arrange a notary with the hospital. I've done pretty well with simple access to her online accounts, checks, and debit cards...
by sschoe2
Fri Nov 10, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2900

Re: Bicycle wheels - what's a reasonable budget

I bought a set of A23 origen 8 hubs for $200. I just needed to true and bring them up to full tension. They were literally cheaper than the individual parts and they saved me a lot of work from having to lace them and start them up. I'd just buy a decent set of wheels and if necessary detension and ...
by sschoe2
Thu Nov 09, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13196

Re: How old are you and how much do you save for retirement a year

37 as of today I save as much as I can. I save as much as 2/3 of my income and have no debt. -I save 22% of my income and max out a t401K with an additional 4% match -I max out a roth IRA at Vanguard -The rest goes to taxable. I am investigating megabackdoor but the last email from my plan did not i...
by sschoe2
Wed Nov 08, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5548

Re: Eye Doctor $30 to get your Rx? Is this normal?

This was back in 2009 I was in between jobs and my glasses broke so I went to Walmart, paid $40 they gave me a prescription and pupil distance PID and I just bought some cheap glasses online.
by sschoe2
Wed Nov 08, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1807

Re: Alternative to Mint for portfolio analysis

I am managing my mother's portfolio and finances for her. I created an account at Mint to aggregate all her financial information. It seems to work decently for the financial stuff but when it imported her portfolio information, one of the holdings' (a mortgage backed security) cost basis imported ...
by sschoe2
Wed Nov 08, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1807

Alternative to Mint for portfolio analysis

I am managing my mother's portfolio and finances for her. I created an account at Mint to aggregate all her financial information. It seems to work decently for the financial stuff but when it imported her portfolio information, one of the holdings' (a mortgage backed security) cost basis imported a...
by sschoe2
Tue Nov 07, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4477

Re: I Cut the Cord yesterday!

I get pretty good broadcast. I have a big old antenna in the attic and it took me 2 hours of running downstairs to the rec room and back up to try and get the angle correct to receive CBS-2 Chicago and NBC-5. My antennae reception is very disappointing. I have an amplified flat rectangular one that...
by sschoe2
Tue Nov 07, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4477

Re: I Cut the Cord yesterday!

I also cut the cord last weekend. I get pretty good broadcast. I have a big old antenna in the attic and it took me 2 hours of running downstairs to the rec room and back up to try and get the angle correct to receive CBS-2 Chicago and NBC-5. I have an HD homerun and watch broadcast on my computer w...
by sschoe2
Tue Nov 07, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Can I install Linux on a 10-year old netbook?
Replies: 16
Views: 670

Re: Can I install Linux on a 10-year old netbook?

You could try Linux Mint XFCE, or another light Linux distribution. I had a Pentium M 1.7 notebook a few years ago I tried that with but eventually gave up and got a new one. The processor just couldn't handle the demands of even a light OS and common programs.
by sschoe2
Fri Nov 03, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6321

Re: Spam calls to cell phone...

I almost never go to trial, most settle and a few go to summary judgment, others have been default judgments and i collected on then. I settled several this month for over 20k, which isn't common, but happens as the cases settle and the defense attys have milked their clients dry for attys fees. I ...
by sschoe2
Wed Nov 01, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Aeroseal for Duct work
Replies: 10
Views: 826

Re: Aeroseal for Duct work

I also find after several years some of the mastics dry and crumble off. The tape lasts better.
by sschoe2
Wed Nov 01, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55423

Re: Retirement Account Stolen by Identity theft

I also want to thank the moderator for reopening this. I have been reading this thread and I have learned from it. Someone opened a thread on this at reddit/personal finance for discussion. There is some good comments there as well. https://www.reddit.com/r/personalfinance/comments/79fte7/retiremen...
by sschoe2
Wed Nov 01, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 3544

Re: Put cash into a home or stock market.

First off I'm sure you are going to want to do some updates/remodeling and possibly repairs on grandma's house so hold some money back for that. Second are you sure you need a house? When you add up insurance, maintenance, property taxes (especially in states like IL/NJ/NY) that will eat away at you...
by sschoe2
Wed Nov 01, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9534

Re: I'm fairly young but done with saving money

I would loosen up on spending a bit but not stop saving. You are obviously ahead of the game right now on savings but getting complacent is how the tortoise beat the hare. I'd say yea you can reduce your savings or take a less stressful job for less money and enjoy life more. I'm about the same age ...
by sschoe2
Tue Oct 31, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Bi-weekly rebalancing with purchases a bad idea?
Replies: 14
Views: 636

Re: Bi-weekly rebalancing with purchases a bad idea?

Every time I make a purchase in my taxable I do it in such a way to bring the portfolio closer to balance. Selling creates taxes.
by sschoe2
Mon Oct 30, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12620

Re: Request for Promotion letter to Senior Management

Lost cause. If a company keeps passing you over for promotion it is time to look elsewhere and promote yourself. A letter is not going to induce a company to value you properly.
by sschoe2
Mon Oct 30, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and restriction to unrecognized computer
Replies: 9
Views: 654

Re: Vanguard and restriction to unrecognized computer

It seems to be based on a software signature as every-time I wipe a device and reinstall I also have to reauthorize the device for all accounts with such protection.
by sschoe2
Mon Oct 30, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 20
Views: 4570

Re: Having almost 90% of investments with Target Retirement account

Target retirement funds are a decent option for the 401k. I don't have as many options at Well's Fargo so I have all my 401k in 2045 which is the best option listed. The downsides to it are it has investor share level expense ratio and it is a bit more bullish on the total international than I prefe...
by sschoe2
Sun Oct 29, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55423

Re: Retirement Account Stolen by Identity theft

It definitely sounds like this was perpetrated by someone working at the hospital your father was employed at, someone with access to his personnel records, quite possibly someone in that hospital's HR/Personnel Dept.