Search found 1368 matches

by Alexa9
Tue Aug 14, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 9
Views: 533

Return Protection: Citi Doublecash

Returned some shoes that didn't fit. The store (Eastbay) said they were unsaleable (tiny speck of dust) which was not true and returned them to me. I filed a claim with Citi and Citi is not cooperating. Debating about closing my Citi account with the balance of the charge ($100) as the shoes are use...
by Alexa9
Tue Aug 14, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 34
Views: 2012

Re: Decided on Chromebook, now need spec help

If you're getting a Chromebook mainly to avoid Windows (I don't blame you), I'd look at installing Linux Mint on a laptop. You can even dual boot with Windows if necessary. You could dual-boot or run a different Linux distribution concurrently on a Chromebook (the Chrome OS is a Linux variant thats...
by Alexa9
Mon Aug 13, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 34
Views: 2012

Re: Decided on Chromebook, now need spec help

If you're getting a Chromebook mainly to avoid Windows (I don't blame you), I'd look at installing Linux Mint on a laptop. You can even dual boot with Windows if necessary.
by Alexa9
Mon Aug 13, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 9637

Re: AAPL, AMZN, or GOOG?

Apple has the cell phone/tablet industry on lock. This is false. Two out of every three smartphones sold are Android.Apple has only about 1/3rd of the market. About three out of every four tablets is Android. Apple has only 1/4th of the market. Far more profitable however and widely considered the ...
by Alexa9
Sun Aug 12, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: 3 Funds portfolio vs 4 funds
Replies: 2
Views: 317

Re: 3 Funds portfolio vs 4 funds

I will assume you are referring to International Bond Index. Lots of debate on here. I don't think it's necessary but it is okay if using a Lifestrategy or Target Date Fund. Not much significant difference between mutual funds and ETF's.
by Alexa9
Sun Aug 12, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1283

Re: Unlocked iPhone on eBay or Amazon?

Buy it with a credit card with purchase protection from a reputable seller and no worries. In particular, sellers with 100% positive feedback will bend over backwards to keep that rating if something is wrong.
by Alexa9
Sun Aug 12, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4451

Re: Should I pay 6000.00 to repair wife's car....

Of course it's not "economical" to buy a new car vs. keep an old one, but the manufacturer has decided whether to fix this or not already, based on the facts and its inclination. The OP has already pursued the issue in detail with the manufacture and is awaiting its response. Regardless of the outc...
by Alexa9
Sat Aug 11, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Voo inferior to Vti?
Replies: 5
Views: 715

Re: Voo inferior to Vti?

Of most concern is investors "front running" the S&P 500 which I think is a pretty small concern in the scheme of things.
by Alexa9
Sat Aug 11, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2431

Re: Junk Mail

Think about it…by accepting this mail, you're contributing to a growing economy, and helping your fellow citizens put food on the table! :-) Zen and the art of junk mail. I think it really is a huge waste of resources. Those workers could be doing something better with their lives and a tremendous ...
by Alexa9
Sat Aug 11, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4451

Re: Should I pay 6000.00 to repair wife's car....

Do not sell the car! It's already depreciated and is not that old and low mileage. Raise hell to have them fix it. Call/write VW and explain your issues in detail. Selling it and getting a new car is not economical. I would go on the VW forums and see if others are having the issue. https://forums.v...
by Alexa9
Fri Aug 10, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1476

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

The Fire Tablets seem like a hunk of junk compared to the (admittedly overpriced) iPad. I just can't see getting one.
Walmart had the 2017 iPad on sale for $250 when the 2018 came out.
by Alexa9
Fri Aug 10, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2238

Re: Buying used car - advice requested

I debated a new car with cloth seats and a used car with leather. I went with new. Japanese cars hold their value well enough it sort of makes sense to buy new unless you like hunting for a deal and haggling.
by Alexa9
Fri Aug 10, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1589

Re: Device to listen to while exercising?

I would get a cheap Dell Desktop or similar for ripping your CD Collection. You may want to rip WAV files as they are CD quality and better than MP3's if you plan on using a nice stereo someday. https://www.amazon.com/Dell-Inspiron-Flagship-Premium-Keyboard/dp/B07BXWWMXH/ref=sr_1_8?ie=UTF8&qid=15339...
by Alexa9
Fri Aug 10, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7288

Re: Rude response from boss re: market adjustment

Some jobs give an annual raise and some the salary seems to be set in stone. You planted the seed. Give them some time or like the guy said, look elsewhere.
by Alexa9
Thu Aug 09, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Root-friendly flagships equal to Galaxy S7
Replies: 13
Views: 953

Re: Root-friendly flagships equal to Galaxy S7

Pixel 2 and Pixel 2 XL are great phones and can be rooted.
by Alexa9
Thu Aug 09, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 11
Views: 771

Re: Vanguard Advisor

At your age, I would consider CD's as well. A market correction could be devastating. But I wouldn't go 100% CD's. All your eggs in one basket, etc. CD's generally underperform Total Bond Market and significantly underperform Total Stock Market. I would recommend something like 40% CD Ladder, 30% To...
by Alexa9
Wed Aug 08, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1210

Re: What (simple) desktop to buy

I'd get a NUC. They just "launched" the 8th generation of these but I don't see preorder dates anywhere. You can still get 7th gen for cheap +1 for a NUC https://www.amazon.com/Intel-NUC7-Pentium-Mini-BOXNUC7PJYH1/dp/B07C9GF256/ref=sr_1_1?ie=UTF8&qid=1533759218&sr=8-1&keywords=pentium+nuc Install t...
by Alexa9
Mon Aug 06, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 205
Views: 16909

Re: "Don't Obsess About Expense Ratios"

Sounds like Boglehead Bias to me. Vanguard has to stay competitive like any other company. I'm not staying with them just because Bogle is the Godfather of Index Funds.
by Alexa9
Mon Aug 06, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 12531

Re: "Age in Bonds" fails almost everyone

I think Age in Bonds is a good guideline for beginners who are probably risk averse.
If you're less/more aggressive as you learn more, then go for it.
I sense recency bias with the long bull run we've had.
by Alexa9
Mon Jul 02, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3891

Re: Recommend a vehicle for $24,000 or less

So how does one find newish lease turn ins? M Cars.com allows you to search within a reasonable radius for 3 year old cars under 36k miles. Whether it's a lease or someone who just wants to upgrade, let them take the big depreciation hit in the first 3 years. Most vehicles depreciate somewhere arou...
by Alexa9
Mon Jul 02, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3891

Re: Recommend a vehicle for $24,000 or less

I would buy a used 2014-2016 Camry or Accord. That way you can afford leather seats and more features. You should be able to find a cream puff lease turn in for around $15-20k. Then I'd spend the saved money on a set of snow tires and steel wheels to swap in November and April. The 2018 Camry/Accord...
by Alexa9
Sun Jul 01, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4770

Re: Retiring in Michigan (Ann Arbor)

U of M is a great school but I wouldn't want to live in Ann Arbor unless I was going to school there. I would visit Traverse City in Northern Michigan. I think it is much preferable for retirees. Quieter, safer, less expensive, Lake Michigan, Sleeping Bear Dunes, wineries, more conservative. Winter ...
by Alexa9
Sat Jun 30, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4936

Re: Is it ok to invest in bonds?

Bonds are a safety place that still accumulate a fair amount. They have underperformed stocks significantly over most long and short term periods. Past performance doesn't equate to future performance. Bonds have outperformed stocks in bear markets even over 10 year periods. They provide a rebalanci...
by Alexa9
Sat Jun 30, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4079

Re: Anyone Tried Youtube TV Yet?

Youtube TV is missing quite a few channels. I don't really care but family members watch a lot of shows. If they offer different packages like Cable I might be swayed. Also the picture quality is not as good. Streaming can't quite seem to compete with a wire yet. If they offered Google Fiber Interne...
by Alexa9
Fri Jun 29, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: What is a good travel website these days?
Replies: 12
Views: 1696

Re: What is a good travel website these days?

What hub is near you? What city are you flying to (and what hub are they)? I would lean towards getting a sign up bonus for a free or discounted flight whether it's a specific airline (Delta, AA, United, etc.) or generic travel card (Chase Sapphire, AMEX Platinum/Gold, Capital One Venture, Barclay A...
by Alexa9
Fri Jun 29, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5527

Re: Why visa

I rank payments: 1. Visa: best perks = Chase Sapphire Reserve > AMEX Platinum 2. Mastercard: very close to Visa, practically identical, may have slightly fewer perks 3. AMEX: less accepted, good rewards 4. Discover: least accepted at Mom and Pops, decent rewards, easy to obtain as first card 5. Debi...
by Alexa9
Thu Jun 28, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 996

Re: Is there literature for a topic like this..

Behavioral finance/economics https://www.bogleheads.org/wiki/Behavioral_pitfalls
Cognitive Bias https://en.wikipedia.org/wiki/List_of_cognitive_biases
Predictably Irrational by Dan Ariely
Tons of economic books that tie in with psychology out there
by Alexa9
Thu Jun 28, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: should I Help family member with investments?
Replies: 13
Views: 1437

Re: should I Help family member with investments?

I would do it but if you're hesitant: refer her to this site or The Boglehead's Guide to Investing.
by Alexa9
Thu Jun 28, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2559

Re: New car dealer pricing

Tell several dealers the most you'll pay OTD and that you're in no hurry. One of them will eventually bite.
There are several ways to get a better price whether it's last year's model, end of the year, end of the month, unpopular car, unpopular color, etc.
by Alexa9
Wed Jun 27, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7301

Re: Are we just way over complicating this?

I notice this with news articles as well. Last week coffee is the devil! This week it cures cancer and heart disease. It's the same thing on here with small cap value and other debates. I would rather hear both sides however than be oblivious to it all. I think it's good to disconnect from all media...
by Alexa9
Wed Jun 27, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6357

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Did you actually read the original post? OP's specifically not looking for the "trucker's truck." The Ridgeline is quite capable for the OP's use case. If a truck with 1500 lbs of payload will do (OP's looking for 1000), why get something that will be thirstier on fuel and handle and ride poorly? Y...
by Alexa9
Wed Jun 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Vintage brands
Replies: 15
Views: 1480

Re: Vintage brands

Here are the oldest brands: https://www.huffingtonpost.ca/2016/01/21/world-oldest-brands-survival-tips-infographic_n_9034564.html I use mostly new and improved brands :P Here's some old threads on brands (pretty popular subject and opinionated): https://www.bogleheads.org/forum/viewtopic.php?f=11&t=...
by Alexa9
Tue Jun 26, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6357

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

IMHO that's not the smartest way to shop for cars or anything else. Just because Chevy and Ford make the most of something doesn't mean they make the right truck for a particular use case. In fact, it's because Honda didn't make a pickup until the Ridgeline (first gen came out in the mid-2000s) tha...
by Alexa9
Tue Jun 26, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6357

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Why aren't you considering an F-150? That would be my first choice. 2nd-Silverado. I wouldn't consider anything else. Stay away from Dodge. Toyota and Honda are okay but they aren't truck focused like Chevy and Ford. If you're buying an Econobox/SUV, then Toyota/Honda for sure.
by Alexa9
Tue Jun 26, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Home Theater PC Uses?
Replies: 15
Views: 1343

Re: Home Theater PC Uses?

IMO most of that can be done just as easily or more so with your day-to-day computer and a streaming stick such as Chromecast/Roku. With a HTPC you'll have to use some weird keyboard/mouse thing plus the extra space and expense without much additional functionality. I find a computer much easier to...
by Alexa9
Tue Jun 26, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Home Theater PC Uses?
Replies: 15
Views: 1343

Home Theater PC Uses?

What are the most useful things you use your HTPC for? 1. Video/Netflix/Amazon Video/Youtube/BluRay/DVD 2. Music/Spotify/Pandora/Tidal/SiriusXM/Local Radio Stations 3. Browser: News, Weather, Forums, Articles, Recipes, Blogs 4. Kindle 5. Gaming 6. Google Maps/Earth 7. Photos: travel/family photos gr...
by Alexa9
Tue Jun 26, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4663

Re: Is there a way to avoid bad companies in S&P 500?

I prefer the little bad companies. Tilting to small value is the way to go.
by Alexa9
Tue Jun 26, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7333

Re: Family dynamics/in laws/am I being petty?

This is part of the reason I don't enjoy going out to eat and rarely do anymore. I would rather take turns cooking meals with family or even get carryout.
by Alexa9
Mon Jun 25, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4626

Re: 60/40 or 40/60?

When in doubt, I'd go more conservative. Less regret. Like someone said, split the difference and go 50/50.
by Alexa9
Mon Jun 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3157

Re: university admission issue

I don't think you have much of a case but a lawyer might think otherwise! :greedy
by Alexa9
Mon Jun 25, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Used vs New - always buy new once you get to a certain point?
Replies: 31
Views: 3031

Re: Used vs New - always buy new once you get to a certain point?

A new house and car are worth it assuming they are relatively modest. I don't think a mansion or a luxury vehicle is worth it however new or used.
by Alexa9
Mon Jun 25, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 902

Re: How to find a good fudiciary fee only CFP?

NAPFA and Garret are two networks that might find someone decent in your area depending on the population.
by Alexa9
Mon Jun 25, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 125
Views: 13850

Re: Why not go 100% stocks?

100% stocks is not diversified. A long bear market is very possible. I think everyone should go at least 20% bonds. Obviously if you're very wealthy you can do whatever you want without much trouble.
by Alexa9
Sun Jun 24, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1521

Re: San Antonio and Austin trip

Once you've done the River Walk and the Alamo, head to Austin and get some BBQ and live music. I would just go to Austin with that much time though. San Antonio is pretty but not that happening. Austin is pretty lively. I would rather tour the Hill Country over either one however.
by Alexa9
Sun Jun 24, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 14
Views: 1403

Re: Garrett Planning Network experiences

I met one. He was trying to join as many networks as possible. He said that he respected Garrett the most.
by Alexa9
Sun Jun 24, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2779

Re: Cheap simple tablets?

The 2017 iPad is on sale for $250.
https://www.walmart.com/ip/Apple-iPad-5 ... /269692261
I wouldn't recommend the Amazon Fire tablet or any Samsung tablet. I think you would regret it.
by Alexa9
Sun Jun 24, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 33
Views: 4158

Re: Building a Computer

so what did you do? I've gone with Intel NUC's running Linux Mint. One 7th Gen i3 and one Pentium (highly recommended), 8 GB RAM, 250GB SSD's, also a cheap Dell Inspiron 3567 Laptop. I couldn't build it myself much cheaper and they're nice micro PC boxes. I was a little hesitant to build a giant to...
by Alexa9
Sun Jun 24, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Anti Indexing investment
Replies: 15
Views: 1590

Re: Anti Indexing investment

Total Market Index Funds are basically large cap funds. You want to go 100% global micro cap (value). DFA is a pretty good option.
by Alexa9
Sun Jun 24, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 1863

Re: Thoughts on Canadian Universities

Thanks Alexa! She’s a dual US/Canadian citizen, so domestic in both countries. I see your point looking at the rankings of Oregon Universities. Even in state tuition may not be worth it. I would really research what she wants to do for a career and have a few choices and a plan B. Then visit campus...
by Alexa9
Sun Jun 24, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 1863

Re: Thoughts on Canadian Universities

I think it sounds like a great idea. UBC is the #3 university in Canada (#45 Global) though so U of Alberta and U of Calgary could be backup plans. Due to her citizenship, would she be an international student in the US then and domestic student in Canada? Also depends on what she wants to study. I ...