Search found 1507 matches

by alfaspider
Tue Sep 18, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 5
Views: 335

Re: New car - 0% loan or $500 rebate

I was wondering about if having an auto loan might help my credit score though? My score is already good - 800. I don't have any installment loans and am older and have a long credit history that has been 800+. Would an installment load possibly help my score go higher? I have read conflicting info...
by alfaspider
Mon Sep 17, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap Flights
Replies: 23
Views: 2175

Re: Cheap Flights

Not sure what city you are in, but I always seem to find good deals on Frontier. Won't be a comfortable ride, but always cheap and can play around with prices if you can fly on different days. Southwest has good deals usually too! Frontier and Spirit can be very cheap options, but you need to be re...
by alfaspider
Mon Sep 17, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

As many of you remember, I bought an iPhoneX last year to replace my old iPhone7Plus. I have been disappointed in the size of this phone, as compared to the older, more robust ("bigger") PLUS phone. It's hard t read with the X but I had no trouble doing so on my 7Plus. OK, so I'm willing to suck it...
by alfaspider
Mon Sep 17, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

As many of you remember, I bought an iPhoneX last year to replace my old iPhone7Plus. I have been disappointed in the size of this phone, as compared to the older, more robust ("bigger") PLUS phone. It's hard t read with the X but I had no trouble doing so on my 7Plus. OK, so I'm willing to suck it...
by alfaspider
Mon Sep 17, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2107

Re: $180 IPhone SE or $90 Iphone 5S

b4nash wrote:
Mon Sep 17, 2018 10:18 am
If you plan on using it for more than a year, I'd go SE.
That's a good point. The 5s will stop getting updates after ios12.
by alfaspider
Mon Sep 17, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2107

Re: $180 IPhone SE or $90 Iphone 5S

I need to get a cellphone in the next day. I have narrowed it down to two options: Option 1: $180 Brand New Factory Unlocked Iphone SE, 32 GB. Option 2: $90 Manufacturer Refurbished Iphone 5S, 16GB. Which one is a better value? I won't be using this phone much - it's going to be more like a backup ...
by alfaspider
Fri Sep 14, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Any cello players here?
Replies: 6
Views: 303

Re: Any cello players here?

I play the cello. Played pretty consistently through high school and college. I got to the point of being able to play most of the big concertos and other major repertoire pieces, albeit much more poorly than a professional would. This thread reminds me I should play more often. No experience with "...
by alfaspider
Fri Sep 14, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3123

Re: How to help teenager fix silly mistakes in math?

Good luck to her. I suffered through high school math, eventually scoring a 5 on the AP Calculus exam, but the frustration of silly mistakes caused me not to take any math beyond that. It's easy to stay "go slow", but high school exams are typically taken under significant time pressure. Often, I wo...
by alfaspider
Fri Sep 14, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 70
Views: 5037

Re: Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please...
by alfaspider
Fri Sep 14, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 800

Re: FaceID w driving? ... upgrading from 5S

longleaf wrote:
Fri Sep 14, 2018 10:54 am
I have no trouble with faceid while driving or wearing sunglasses.

You dont have to unlock your phone to answer phone calls.

I do not condone breaking local laws.
I found faceid needed some training before it would unlock with sunglasses. It was sporadic at first, but now works every time.
by alfaspider
Thu Sep 13, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

They're the most valuable company on the planet for a reason! $1100 for a smart phone is just ludicrous for a lot of people. That's MacBook territory. I'm interested to see if the "cheapo" version (iPhone Xr: $750) sells better. Lots of consumer psychology in how to choose. I think for quite a few,...
by alfaspider
Thu Sep 13, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

"Bokeh" sounds kind of silly, but it's just a name for the background blur effect you see in many professional portraits. The new phone supposedly does a better job of it when you shoot in portrait mode. I've used portrait mode on the X, and it really is impressive how good it can make photos from ...
by alfaspider
Thu Sep 13, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3263

Re: Ready to buy iPhone 8 now, but..

So now that the new versions are out, the 8 I've had my mind on dropped $100. It's about $600 now for the 64 GB version. Is this the best price I can hope for, or wait some more? Consumer Cellular has it back in stock :beer and I can pay it in installments over 12 months (owned free and clear with ...
by alfaspider
Thu Sep 13, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2452

Re: Anyone into Essential Oils?

I wouldn't recommend them at all. Since you're asking about more affordable, buy some Febreeze air freshener instead. If she has allergies, Febreze could be a major irritant. It feels like it makes my entire head seize up. If she like essential oils, why not buy them. Unless $55 a month is going to...
by alfaspider
Thu Sep 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

As many of you remember, I bought an iPhoneX last year to replace my old iPhone7Plus. I have been disappointed in the size of this phone, as compared to the older, more robust ("bigger") PLUS phone. It's hard t read with the X but I had no trouble doing so on my 7Plus. OK, so I'm willing to suck it...
by alfaspider
Thu Sep 13, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

How about this one: Isn't the Lexus ES350 just a Toyota Camry with nicer trim? No. Hey, I tried! 8-) There was a time that it would have been a true statement, but that was just about a decade ago at this point. The past two generations have been a Toyota Avalon with nicer trim. :mrgreen: But isnt ...
by alfaspider
Thu Sep 13, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

I find all the hostility towards the newest iphone every year rather amusing. Nobody cares that BMW or Mercedes comes out with a new car every year or two with many unnecessary features. People still buy them. Of course, a lot of the "new" stuff is gimmick and fluff, but the newest phones tend to ha...
by alfaspider
Wed Sep 12, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

They're the most valuable company on the planet for a reason! $1100 for a smart phone is just ludicrous for a lot of people. That's MacBook territory. I'm interested to see if the "cheapo" version (iPhone Xr: $750) sells better. Lots of consumer psychology in how to choose. It's an interesting phen...
by alfaspider
Wed Sep 12, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 145
Views: 7780

Re: iPhone XS Max

I do not understand how Apple can continue to raise prices like this, and I'm a huge Apple fan going on 20 years. You can pre order 9/14 and release date is 9/21. So you are saying the price is excessive to the max :wink: They will charge what the market can bear. People were happy to shell out $1,...
by alfaspider
Wed Sep 12, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1844

Re: 1 year old birthday

Clearly, some people prefer not to make memories with their kids unless their kids will remember it. I don't remember much from before I was 5. By that logic, my parents could have kept me in the basement until then and I'd be none the wiser. I could have done that with my kids. I'd have missed out...
by alfaspider
Wed Sep 12, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1844

Re: 1 year old birthday

Chuck-E-Cheese Although we had huge parties for our first son at our house, we soon learned that it was pretty silly. The kid doesn't care, nobody really gets to talk for long because so many people are there and it's just a big blur. By his 3rd b'day (and for our second son), the goal was always t...
by alfaspider
Wed Sep 12, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2533

Re: The Atlantic: 'Why is College In America So Expensive?'

Most of them are nonprofits which have far less incentive to keep costs down than if they had to operate at a profit. I think the problem is that education is not a quantifiable good. It's quite easy to obtain an "education" for nearly free- the information contained in a college education is readi...
by alfaspider
Tue Sep 11, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 28
Views: 3931

Re: Tesla Model 3 Owners: Your experience so far

mewantcookiez wrote:
Tue Sep 11, 2018 12:13 am
Did any of you bother with the performance package? Seems pretty steep at 10k.
It's equivalent to the difference between the BMW 340i and the M3. You already know if the difference is meaningful to you.
by alfaspider
Mon Sep 10, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3078

Re: Father Wants a Home Mortgage (Bad Credit Score)

Not to sound morbid, but given that you are an adult, I presume your grandfather is rather elderly. What are his prospects for still being around in 5 years? Do you have any idea who stands to inherit the house? Presumably not your father given the situation. How might other relatives who DO stand t...
by alfaspider
Mon Sep 10, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 5G Wireless
Replies: 44
Views: 2369

Re: Investing in 5G Wireless

There may be unusual factors that impede the rollout of this technology: https://techcrunch.com/2018/09/10/bay-area-city-blocks-5g-deployments-over-cancer-concerns/ I doubt that this will be a serious issue. Nothing about 5G technology makes it riskier than older cell technologies. One small munici...
by alfaspider
Mon Sep 10, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 5G Wireless
Replies: 44
Views: 2369

Re: Investing in 5G Wireless

There may be unusual factors that impede the rollout of this technology: https://techcrunch.com/2018/09/10/bay-area-city-blocks-5g-deployments-over-cancer-concerns/ I doubt that this will be a serious issue. Nothing about 5G technology makes it riskier than older cell technologies. One small munici...
by alfaspider
Mon Sep 10, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6373

Re: Hurricane Florence - survival guide

If I didn’t know better I would say that this is a list of reasons to avoid living on the Atlantic and Gulf coasts. West coast has earthquakes, center of the country has tornadoes. Not too many places completely safe from natural disasters. The good thing about hurricanes is that you get a few days...
by alfaspider
Mon Sep 10, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Ready to buy iPhone 8 now, but..
Replies: 39
Views: 3263

Re: Ready to buy iPhone 8 now, but..

You'll find more info on www.macrumors.com. I'd expect a $100 price drop. Worth waiting a week or two or the new phone might even intrigue you. Agreed. Right before a new iPhone is released is the worst time to buy a new iPhone. The new iphone is announced this week, so new pricing should take effe...
by alfaspider
Mon Sep 10, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6373

Re: Hurricane Florence - survival guide

5) Your job will expect you to go to work as soon as possible, like the next day. I would prepare for the opposite as well. I've lived through Hurricane Ike, Sandy, and Harvey. In all three cases the office was closed for at least a solid week. In the case of Sandy, the basement of the office flood...
by alfaspider
Mon Sep 10, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 169
Views: 7611

Re: Can Sneakers go with Business Casual?

"Business Casual" is one of those squishy terms that can mean almost anything. For men, "business casual" can mean you get to wear a sport coat and no tie, but otherwise basically full business attire. On the other end of the spectrum, it can mean jeans, sneakers, and a polo shirt. Personally, I'd j...
by alfaspider
Mon Sep 10, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3078

Re: Father Wants a Home Mortgage (Bad Credit Score)

Your dad got into this situation through a problematic mix of finances and family. I'd hate to see the same sort of problems trickle down to another generation. Is $130k a reasonable market price for the home or is it below market? If it's market price, I think your father would be far better off bu...
by alfaspider
Mon Sep 10, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1241

Re: small-wheel bicycle

I am a casual biker. Not for commuting. Want for riding around the neighborhood or at a park. The bicycle doesn't necessarily have to be foldable. I just like the small wheel form factor. . Why? A small wheel form factor is going to make obstacles and potholes a bigger deal. It's also harder to fin...
by alfaspider
Sat Sep 08, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3588

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

Lexus, Infiniti, or Accura? Those might be a better choice. Cheaper and less expensive maintenance. Comparable quality, comfort and performance. I would beg to differ on “performance”. Certainly with regard to AMG or M models. Depends which Lexus. The “F” models aren’t quite as quick as the AMG equ...
by alfaspider
Sat Sep 08, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 69
Views: 7725

Re: Bose Noise Cancelling Headphones

I recently shopped noose cancelling headphones and ended up with he Sony 1000xm2. https://www.cnet.com/reviews/sony-wh-1000xm2-review/ The xm3 just came out, so you can find the xm2s on sale. The Sonys a widely rated to have better noise canceling and sound quality, but some say they aren’t as comfo...
by alfaspider
Sat Sep 08, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3588

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

The c43 isn’t a “real” AMG. It’s more like the BMW Mxxx vehicles. That’s somewhat of a good thing, as it will be cheaper to maintain. The CLA is not going to be up to the quality levels you probably expect from Mercedes. It was built to a price point, and it shows. You buy one of these for the badge...
by alfaspider
Thu Sep 06, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Large Family Trip - Florida or Carribean
Replies: 24
Views: 1698

Re: Large Family Trip - Florida or Carribean

I'd go for the Caribbean if you are counting on water warm enough to swim.
by alfaspider
Wed Sep 05, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2883

Re: New Bike Suggestion

There are basically three ways you can go with this decision, all with distinct advantages/disadvantages: 1) Used bike on Craigslist. There are some good deals here as well as some awful ones. It's best if you have a knowledgeable friend to go with you if you are going this route. Since you are aski...
by alfaspider
Tue Sep 04, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6851

Re: Daily Driver (Car) Over 100K Miles?

Nothing magic about 100k miles. My father in law has a daily driver with close to 400k miles that he's driven for almost 20 years now. But, as other posts have pointed out, advanced age means fewer safety features. At some point, it may not be worth giving up enhanced safety to save a buck.
by alfaspider
Tue Sep 04, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9408

Re: How to "waste" money on groceries?

- Buying seltzer water. This was another thing I was told I should cut. But I like it. I buy the store brand (I actually prefer it). But it does add $1-$2 per week depending on how much I buy. One option: get a soda stream machine and get a get to hook it up to a commercial size c02 tank. I get min...
by alfaspider
Tue Sep 04, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18046

Re: How to Retire in Your 30's with $1 Million in the Bank

I agree that the people who have simply gone from a dual income household to a sole breadwinner are not really "retired." However, I do think it speaks to the real underlying purpose of FIRE idea- to put yourself in a situation where what you do in life is not dictated primarily by financial concern...
by alfaspider
Thu Aug 30, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 1954

Re: YouTube Car Reviewers

Savage Geese is my favorite for his depth. No other reviewer is going to tell you things like whether the steering arms are stamped steel or Aluminum. He also has the best grasp of vehicle dynamics of any of the widely watched youtube reviewers. Unlike others, he regularly drives on the track. His v...
by alfaspider
Wed Aug 29, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: how much more we should put in 529?
Replies: 24
Views: 2950

Re: how much more we should put in 529?

Keep in mind that you can save for college in a regular taxable account. The question is how you feel about over-funding should your child go to an in-state public school or some other less expensive option. Do you expect to fund graduate school, or is there another relative you may want to fund? St...
by alfaspider
Tue Aug 28, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

I am not even going to comment on the fun to drive aspect (only Miata stands out). I still own a mazda ("full option")... the idea that the interior matches Audi and BMW is... outlandish :D Have driven both a new mazda3 and BMW 3 series and the interior does, in fact, exceed the Bimmer. Let's just ...
by alfaspider
Mon Aug 27, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

Totally scratching my head over what qualities make a car ¨fun" or ¨nonboring.¨ I drive my late husbandś 2007 Honda Accord and (finally) decided to figure out how to open the moonroof. It does seem a little more fun to drive around that way but I am guessing thatś not what people are talking about....
by alfaspider
Mon Aug 27, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

A few things in no particular order: 1) Responsiveness to driver input 2) Able to pull high G-forces (lateral or forward) 3) Sights/sounds that trigger the senses (nice engine noise, good body design) 4) Ability to use for a particular autosport activity (track days, drag racing, etc.) 5) Being unu...
by alfaspider
Thu Aug 23, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

Bigger wheels provide better breaking distance. Breaking is a critical part of a performance car. Umm... No. Where on earth did you get that idea? Yes, you can fit bigger brake disks under a bigger wheel, but that has nothing to do with stopping distance. And cars with smaller wheels are also usual...
by alfaspider
Thu Aug 23, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

Bigger wheels provide better breaking distance. Breaking is a critical part of a performance car. Umm... No. Where on earth did you get that idea? Yes, you can fit bigger brake disks under a bigger wheel, but that has nothing to do with stopping distance. And cars with smaller wheels are also usual...
by alfaspider
Thu Aug 23, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8486

Re: $65K Fun Daily Driver

- The reason why I want to get rid of the Mazdaspeed3 is because as a daily driver, I'm "tired" of driving stick every day. A high HP 4 door sedan with a good automatic transmission is something I'm looking for to get best of both worlds. Easy comfortable cruiser when stuck in traffic/taking long t...
by alfaspider
Thu Aug 23, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12057

Re: Good Non-Boring Boglehead Cars Under $30k

Totally scratching my head over what qualities make a car ¨fun" or ¨nonboring.¨ I drive my late husbandś 2007 Honda Accord and (finally) decided to figure out how to open the moonroof. It does seem a little more fun to drive around that way but I am guessing thatś not what people are talking about....
by alfaspider
Thu Aug 23, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years
Replies: 26
Views: 1794

Re: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years

Maybe this question would be better for a Cuban forum. Aren't they still driving cars from the 50's? They tend to have many, many non-original parts- like drivetrains from 80s Soviet cars. A car will last forever as long as you keep repairing it. For most cars, that usually becomes a losing proposi...