Search found 5722 matches

by michaeljc70
Mon Nov 18, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167379

Re: [What TV Show Have You Recently Watched?]

I'm 3 or 4 episodes into Temple. Not bad. A surgeon does just about whatever he has to to keep his terminal wife alive. This includes operating a clinic where he treats criminals.
by michaeljc70
Sun Nov 17, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 33
Views: 3076

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

This is not entirely on topic (but not off topic either), but I went and got a flu shot the other day at Costco. I know they are $10-$20 cheaper at Costco than CVS/Walgreens/etc. I gave my insurance card, but had to pay out of pocket. No big deal, it was $20. It was preventative and I looked it up t...
by michaeljc70
Sun Nov 17, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 29
Views: 1704

Re: Another Laptop Question

The cost to buy an upgraded version of Windows vs. the cost of a new laptop, assuming basic needs, are not that different. I would buy a new one. You are on borrowed time with the old one. If you don't have special needs (re-encoding video, CAD, gaming, etc) decent, new Windows laptops can be had fo...
by michaeljc70
Sun Nov 17, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 1723

Re: Gift Card Already Used?

I use gift cards ASAP due to issues like this. I am not sure where you bought it/got it, but there is a scam where people go to Walgreens (or wherever they sell gift cards) and write down the gift card numbers and pin (putting something back over the pin) and keep checking if it was purchased/activa...
by michaeljc70
Sun Nov 17, 2019 11:25 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6028

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

The market and economy have been amazing for the last 2-3 years, i dont know the cause, but certainly its been great for workers and investors! How so? GDP growth has not been amazing [to me]. Other economic data does not support your statement. Profits (mainly) drive the stock market, not GDP. GDP...
by michaeljc70
Sat Nov 16, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 6783

Re: What tools do you use to track your finances?

It seem like people are talking about different things -tracking all their finances (including spending) vs just tracking their portfolio. For those tracking their portfolio in a spreadsheet, is this just N shares of fund Y at price $X? Do you track dividends? Capital gains? Historical performance? ...
by michaeljc70
Fri Nov 15, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6028

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

OP, 1) No. 2) A bigger and more interesting question is why the idea of FIRE looks appealing to the younger generation. It was not a popular idea of 10 to 20 years ago. KlangFool I wouldn't necessarily say its 'popular' now. It seems like its a couple of people who used to make a ton of money at hi...
by michaeljc70
Fri Nov 15, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2636

Re: Bigger car for baby?

Do NOT buy another car using the new baby as a rationalization. This is a trap. What make/model/year/mileage are your existing vehicles? +1 You don't need the sedan to fit more than a driver and baby as you can all fit in the SUV. It is one months salary for the OP. :oops: For safety's sake they sh...
by michaeljc70
Fri Nov 15, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6028

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

2) A bigger and more interesting question is why the idea of FIRE looks appealing to the younger generation. It was not a popular idea of 10 to 20 years ago. It's popular to me because every job I've had since graduating 15 years ago has required me to work 60+ hour weeks for a large portion of the...
by michaeljc70
Fri Nov 15, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Is the FIRE Movement Responsible for this Historic Bull Market Run
Replies: 76
Views: 6028

Re: Is the FIRE Movement Responsible for this Historic Bull Market Run

am wrote:
Fri Nov 15, 2019 8:51 am
Don’t think so. Most people don’t know what FIRE is. I think low interest rates, solid earnings, growth, and favorable tax policy have all contributed to this bull market. :sharebeer
+1

Too few people are doing it. Most people cannot cover a $1k emergency and live paycheck to paycheck.
by michaeljc70
Fri Nov 15, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2636

Re: Bigger car for baby?

gmc4h232 wrote:
Thu Nov 14, 2019 8:48 pm
Do NOT buy another car using the new baby as a rationalization. This is a trap.

What make/model/year/mileage are your existing vehicles?
+1

You don't need the sedan to fit more than a driver and baby as you can all fit in the SUV.
by michaeljc70
Fri Nov 15, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2312

Re: Forgot to pay Kohl's bill for two months, consequences?

You will probably be fine. It depends on the timing (were you more than 60 days late?) Just see what happens. Most companies will not change their credit reporting for any reason (unless they made a mistake). Close accounts you don't need (taking into account any impact to your credit score) and put...
by michaeljc70
Fri Nov 15, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Change of employer, 1 month Health Insurance gap, use COBRA or not
Replies: 7
Views: 629

Re: Change of employer, 1 month Health Insurance gap, use COBRA or not

Finridge wrote:
Fri Nov 15, 2019 1:59 am
What I did in this situation: I completed and signed the paperwork and left together with a note where family would find it. Just in case I was in a car crash and ended in the hospital in a coma or something...
+1. That's what we did.

There is no ACA penalty starting in 2019.
by michaeljc70
Fri Nov 15, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2312

Re: Forgot to pay Kohl's bill for two months, consequences?

As stated by another poster above, Kohl’s does have autopay. https://cs.kohls.com/app/answers/detail/a_id/1247/~/my-kohls-charge-autopay Cheers I would never want any credit card to pull money from my checking account. what is your reason? I have been doing it for years with many, many cards and ne...
by michaeljc70
Thu Nov 14, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

Getting a check sent back is the ultimate win! I have never been so lucky, unfortunately. I was an accidental winner, recently. I prepaid my Spectrum Internet bill by 6 months, and a little later did my annual cancellation so that I could get the new customer rate (after a loooong month going cold ...
by michaeljc70
Thu Nov 14, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 23
Views: 3201

Re: Options for great aunt ($0 net worth, low income, retired)

I don't know what programs she is eligible for (varies by income and state and city), but people giving her money may be enabling her to be in denial that she needs more help. I would look for a public agency or private not for profit that specialize in helping low income seniors apply for programs ...
by michaeljc70
Thu Nov 14, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I should probably open a Costco credit card given what I spend there plus the other reward amounts. One thing I haven't seen mentioned is if you don't have all these cards to start with, opening them may affect your ability to open some bonus cards (due to things like Chase 5/24). My Chase Freedom a...
by michaeljc70
Thu Nov 14, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 84
Views: 13175

Re: Retired Boglehead obsession with money- devil's advocate

From people I know, it seems people that have way more saved and planned for retirement worry about it more than people that have saved or planned little. As an early retiree, my (minimal) worry is focused on the 18 years until my FRA. Or at least when I can collect SS at age 62. Once I have a regul...
by michaeljc70
Thu Nov 14, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I think they are only worth it if you were genuinely going to spend on the things anyway. I suspect a lot of people end up spending more than saving in order to hit the minimum spend required to get those fat bonuses. There might only be a few months every few years that I can hit $5,000 in spend e...
by michaeljc70
Thu Nov 14, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I do a cash out refinance?
Replies: 24
Views: 1778

Re: Should I do a cash out refinance?

I don't see a problem with the refinance, especially given how low rates are. I would just make sure you take enough out so that you don't have to do this again in a couple years. You are either paying fees or a higher rate (if they roll them in) on each refinance.
by michaeljc70
Thu Nov 14, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I think they are only worth it if you were genuinely going to spend on the things anyway. I suspect a lot of people end up spending more than saving in order to hit the minimum spend required to get those fat bonuses. There might only be a few months every few years that I can hit $5,000 in spend e...
by michaeljc70
Wed Nov 13, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3496

Re: Blankets/Bedding for Cold Winter Nights

After 20 years using an electric blanket, about 10 years ago I switched to a heated mattress pad. I much prefer having the heat radiating up from below, and it is probably more efficient to boot. I completely agree. I use a heated mattress pad (dual control for each side) with a down comforter. The...
by michaeljc70
Wed Nov 13, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1502

Re: Roku - is the Express sufficient?

One thing I've noticed with my new Firestick is that if I am watching a show on YouTube TV (but I think in any app) and I have to pause for whatever reason (phone rings, doorbell rings, need to run an errand) it goes back to the home screen after a short time period (maybe 15 minutes?) This is very ...
by michaeljc70
Wed Nov 13, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I think it depends on your needs and how much you are really saving. For example my grocery bill is pretty low, maybe $3,000 a year. So 3% is $90 and 4% is $120. How important is it to me to save an extra $30? Ditto for gas, I currently fill up once every 2 weeks so we are talking maybe $900 in gas...
by michaeljc70
Wed Nov 13, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I view this as more of a people issue than company/policy issue. The same nonsense happens at just about every resort I've been to and on every cruise ship I've been on with the pool chairs. It is even worse in those cases because the chair is going unused for part of the day. I'd be curious to see...
by michaeljc70
Wed Nov 13, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do wills work (in a case like mine)
Replies: 24
Views: 2232

Re: How do wills work (in a case like mine)

[...] Depending on your state, there may be no way to designate TOD recipients for your house or other real estate deeds, your vehicle titles, or the contents of your house. In that case, your daughter would still have to submit your estate to probate, by herself or with the help of an attorney. A ...
by michaeljc70
Wed Nov 13, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I don't understand how paying up to pick two aisle seats across from each other (not SW) would be considered rude. I just did that myself. Booking two aisles is not the same as picking them on SWA. Perhaps rude is too harsh, consider inconsiderate or indifferent or lack of empathy. Imagine a mom wi...
by michaeljc70
Wed Nov 13, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 9868

Re: The difficulty of discarding frugality?

Watch how your potential heirs spend money. If your kids aren't as frugal with their own money as you are with yours, they won't be as frugal with your money. So do you want to leave it to them to "fritter away" by your standards, or do you want to enjoy it while you can? Probably some of both. Goo...
by michaeljc70
Wed Nov 13, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I don't understand how paying up to pick two aisle seats across from each other (not SW) would be considered rude. I just did that myself. Booking two aisles is not the same as picking them on SWA. Perhaps rude is too harsh, consider inconsiderate or indifferent or lack of empathy. Imagine a mom wi...
by michaeljc70
Wed Nov 13, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I think it depends on your needs and how much you are really saving. For example my grocery bill is pretty low, maybe $3,000 a year. So 3% is $90 and 4% is $120. How important is it to me to save an extra $30? Ditto for gas, I currently fill up once every 2 weeks so we are talking maybe $900 in gas...
by michaeljc70
Wed Nov 13, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2271

Re: Tech guys need help with Mesh wifi booster...

If you can make do with only 1 satellite, I just bought a Netgear Orbi ac1200 2 piece system for around $100. Pay attention to the ACxxxx numbers. My old router was AC1200 which I thought was good enough since I thought my internet connection was only 60 Mbs. My new ORBI is AC3000 and the differenc...
by michaeljc70
Wed Nov 13, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4724

Re: Are complicated credit card cash back strategies worth it?

I generally don't bother. I use the Citi Double Cash back and am happy to get 2%. The exception would be when Discover has 5% for the holidays on Amazon or I will be making a big purchase and notice there is a 5% cash back on a particular card. If I get an extra 1 or 2% on gas for an entire year it ...
by michaeljc70
Wed Nov 13, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How do wills work (in a case like mine)
Replies: 24
Views: 2232

Re: How do wills work (in a case like mine)

As others said, your child will inherit everything if you both pass. One thing to consider though is how probate works in your state. In my state, probate can be quite expensive. For that reason, a lot of people use trusts.
by michaeljc70
Wed Nov 13, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 9868

Re: The difficulty of discarding frugality?

My parents easily cover all their expenses with pensions plus have a 7 figure portfolio. Monday my father went for free meals for Veterans Day for breakfast, lunch and dinner. Old habits die hard. I think an incremental approach works best. Repeat spending on the things you enjoy and feel you get th...
by michaeljc70
Wed Nov 13, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Setting up a new android phone
Replies: 5
Views: 399

Re: Setting up a new android phone

Looking for instructions on line it seems that there are so many versions of android that you kind of have to hunt and try different stuff. You can not find exact instructions that work for every phone. The more you play around with it, the better you get at guessing what to try. You get more comfo...
by michaeljc70
Tue Nov 12, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6387

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

Don't go back. You left for some reasons. Those reasons have not changed. If your new job isn't what you want (and you really need to give it more than 2 weeks)- find a new, new job. +1. The new job may not be great, but you couldn't have been thrilled with the old one if you left for less pay. To ...
by michaeljc70
Tue Nov 12, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I was thinking people bashing SW must have never been on Spirit. The last time I took Spirit, the plane looked very new and none of the seats reclined. That was my last flight on Spirit. I love Spirit. After getting done with the nickle and dime on the site to get the seats assigned and pay for a c...
by michaeljc70
Tue Nov 12, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3294

Re: Anyone had their house repiped?

I'm surprised copper pipe failing after 20-30 years? Or is it the joints that may not have been properly soldered failing? Yeah I was going to say the same thing. Our place is over 50 years old and has all OG copper piping that has held up great despite hard water and very very cold winters. I don'...
by michaeljc70
Tue Nov 12, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I'd be curious to see how long this method of boarding compares time wise to assigned seats. +1. People in the aisle and/or middle seats still have to get up and block the aisle to let someone into a middle and/or window seat. And I could see people blocking the aisle trying to decide what seat the...
by michaeljc70
Tue Nov 12, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1502

Re: Roku - is the Express sufficient?

4k fire stick is going to be available on bf from most places for $25. As of now, target, bestbuy, amazon...im guessing walmart when they release their flyer. I am hoping they get more in stock. When I checked a couple of hours ago Amazon was completely out of the 4k Firestick. I have to imagine th...
by michaeljc70
Tue Nov 12, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

What is the business rationale for why SW doesn't state before boarding that there are no assigned nor saved seats? It seems like SW is inviting an incident because cheapskates will throw down over $50 like there' s no tomorrow. I find the idea quite comical that someone would try to save a seat an...
by michaeljc70
Tue Nov 12, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2271

Re: Tech guys need help with Mesh wifi booster...

If you can make do with only 1 satellite, I just bought a Netgear Orbi ac1200 2 piece system for around $100. It claims to cover 2000 sq ft and has been good for me so far. They have bigger packages but they aren't as cost competitive. It is a new model that came out last month. Though the Google me...
by michaeljc70
Tue Nov 12, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1502

Re: Roku - is the Express sufficient?

4k fire stick is going to be available on bf from most places for $25. As of now, target, bestbuy, amazon...im guessing walmart when they release their flyer. I am hoping they get more in stock. When I checked a couple of hours ago Amazon was completely out of the 4k Firestick. I have to imagine th...
by michaeljc70
Tue Nov 12, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 31
Views: 1502

Re: Roku - is the Express sufficient?

This is incorrect, at least for my Roku: -The Roku cannot control a soundbar or receiver directly. Fire can. This was important for me. I have a Roku Premier, and the remote control also runs my Vizio TV & soundbar. I didn't configure anything; it just worked when I plugged it in. I also found an u...
by michaeljc70
Tue Nov 12, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

People bash SWA but I'm telling you it's one of my preferred airlines. Flights are cheap and on time, they don't penalize you if you have to make changes, and bags fly free. Plus if you play the credit cards right, buy one get one free for two years. Open seating is just a slight inconvenience. Tra...
by michaeljc70
Tue Nov 12, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10514

Re: Seller's agent not letting us use a buyer's agent

I don't think we should have to have agents, but the system is rigged against us. So, this is a non sequiter and completely off topic from the buyer's agent having a fiduciary duty. What does your response have to do with the buyer's agent having a fiduciary duty? Directly commenting on your commen...
by michaeljc70
Tue Nov 12, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3294

Re: Anyone had their house repiped?

I'm surprised copper pipe failing after 20-30 years? Or is it the joints that may not have been properly soldered failing?
by michaeljc70
Tue Nov 12, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10514

Re: Seller's agent not letting us use a buyer's agent

As truebluesky said, dual agency is a conflict. What is the best price? The duty is to do what you asked them to do, which is to buy you a house. How in the world do you know that the seller would or would not have taken a lower price? The duty is to present the seller with the price you told them ...
by michaeljc70
Tue Nov 12, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167379

Re: [What TV Show Have You Recently Watched?]

I watched Jack Ryan Season 2 and definitely chuckled when the PhD in economics recommended index funds. I thought the season was okay. I think a lot of times they make the plot too convoluted or complicated to seem smart but it is just a distraction. The idea that a small group of US military/CIA gu...
by michaeljc70
Tue Nov 12, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1060

Re: Mobile finance apps - do you use them?

I only use my bank's app. Typically only to make deposits of checks. I really don't need additional apps when I can just use their website for the rare occasion I need to access them on the go. It crazy how many apps I have already and how frequently they are updated.