Search found 2042 matches

by onourway
Fri Nov 15, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Network Streamer Suggestions
Replies: 11
Views: 492

Re: Network Streamer Suggestions

I don’t believe that most anyone could actually tell the difference between the compression used today by Apple Music and iTunes vs. what’s used by Tidal in any reliable manner. I would suggest you choose a service based on catalog availability, user interface, and integration with the hardware you ...
by onourway
Fri Nov 15, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2064

Re: for all the talk - do we really need to rebalance that often? at all?

For the last several years I’ve been monitoring our accounts closely I have found no need to rebalance at all - there have been no events that have been significant enough to move stocks and bonds in opposite directions enough to impact our AA above some base level which I consider all noise.
by onourway
Fri Nov 15, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Smart speakers for VOIP calls?
Replies: 1
Views: 132

Re: Smart speakers for VOIP calls?

We use a HomePod in the kitchen to make calls with our iPhones. Works great. You can tell it to make a call, tell it to answer an incoming call, and the sound is incredible. We have a large kitchen and I can walk anywhere and talk in a normal voice and callers seem to have no trouble hearing me. Goo...
by onourway
Fri Nov 15, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

You can get a full set of snows on rims for under $500. Kinda wish insurance offered discounts so more people would consider the investment. $500? Please post a link. Last I checked it was more like $1k. But I definitely agree it still seems worth it if you are driving in cold weather. Find closeou...
by onourway
Fri Nov 15, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: External sreaming device on smart TV
Replies: 16
Views: 750

Re: External sreaming device on smart TV

Yes. Don’t buy a tv based on its built in smart features which are likely poorly implemented, poorly supported, and likely to be left to languish after a couple of years. Use the 3rd party streaming device of your choice which can be updated cheaply every few years.
by onourway
Thu Nov 14, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

As I mentioned earlier in the thread, I am a huge Nokian winter tire fan. We’ve owned many models over the years and they always have excellent grip and long life. I try not to buy anything else. However about a year and a half ago we decided to try the WR G3 for my wife’s SUV because it needed both...
by onourway
Wed Nov 13, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 38
Views: 3617

Re: Disney plus streaming deal

If I need to watch a Disney movie or Star Wars, I'll go to the library and check out a dvd/bluray.........free! :) I mean we do the same sometimes - but it ain’t free. You have to get to the library, find the movie, check it out, get home, then return it. Doesn’t take much of an hourly wage to make...
by onourway
Wed Nov 13, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 31
Views: 2446

Re: Apple TV vs Competitors

I've had them all at some point and time. I like the Roku because you can search for something (TV show, Movie) and it searches across all the apps (Netflix, Prime, etc.) rather than having to go app by app to find something. This has been possible from AppleTV, directly from the Siri button on the...
by onourway
Wed Nov 13, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4635

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

It entirely depends on what your total annual spending is. If your spending is low, you might be talking the difference of a couple hundred dollars or less which probably isn’t worth the hassle for many people to manage a bunch of cards. Our spending between personal and business is well into the si...
by onourway
Wed Nov 13, 2019 5:39 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 31
Views: 2446

Re: Apple TV vs Competitors

Content does not vary much at all between the devices. Primarily you are paying for the interface and the hardware. The AppleTV is great if you are already in the Apple ecosystem because it integrates so naturally there - so for example photos we take on our iPhones automatically show up on out ATV ...
by onourway
Mon Nov 11, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

Congrats, you got the best.

I’ve been running Nokian’s for decades. Every once in a while I end up with a different brand for some reason and they never seem to compare - especially as the tire wears a bit.

Enjoy!
by onourway
Mon Nov 11, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1241

Re: Hi Def Audio listening

There has never been a better time to be interested in listening to music. Nearly the entire published canon is available for listening at a moments notice for somewhere between free and $10/month. Because voice control is one of the next big technological frontiers, all of the financial and technic...
by onourway
Wed Nov 06, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4113

Re: Your Fantasy Kitchen (Cookware-wise)

Agree it’s all about the skill, not the pans past a very basic set of good equipment.

I too prefer carbon steel or cast iron because it cooks beautifully and is super easy to clean up, lasts forever, and there are no chemical coatings to worry about.
by onourway
Mon Nov 04, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Less expensive alternative to Soda Stream for home-made / "no name" Cola?
Replies: 10
Views: 671

Re: Less expensive alternative to Soda Stream for home-made / "no name" Cola?

Yeah, Sodastream is expensive compared to a larger tank setup you get refilled, but like expense ratios, at some point you reach the point where you are tripping over pennies. If you have the space to put the larger canister neatly out of the way, go ahead. We have no such space in our kitchen, as s...
by onourway
Mon Nov 04, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: [Upgrading from an AT&T iPhone 6]
Replies: 15
Views: 751

Re: iPhone

I would go with an 11 If you will keep it another 5 years. The small cost savings of an earlier model isn’t really worth the shorter useful life it will have. Battery life is substantially better on the new ones - more than the specs would indicate. This is my 7th iPhone over the years and the 11 is...
by onourway
Sun Oct 27, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Adventures in iPhoning [should I upgrade now?]
Replies: 14
Views: 1011

Re: Adventures in iPhoning [should I upgrade now?]

Whether you should upgrade really, really depends on how you use your device. We upgraded a 6s and a 7 recently. For us the major motivations were the better cameras, and the better battery life. The phones deliver on both of those. Photo quality is hugely improved. We can actually take indoor pictu...
by onourway
Wed Oct 23, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6448

Re: Best credit card for 2 mil+ in annual spending?

Is there a specific category that the bulk of the spending falls under? (ie. fuel, shipping, IT hardware, advertising, etc?) If so, there may be a specific card that could net you a better return because you'd get say 3-5 points per dollar spend so even redeeming at 1c/point would be a win. I suspec...
by onourway
Wed Oct 23, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11592

Re: Ok to go without health insurance?

In my view, the primary value of insurance is to protect you against catastrophic tail-risk. In the case of health insurance for a family of means (and being doctors, everyone assumes you are at least as rich as you really are) the tail risk is incredibly high. Thus, you should purchase the insuranc...
by onourway
Tue Oct 22, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Which Volvo
Replies: 6
Views: 700

Re: Which Volvo

We are big Volvo fans and have been for years. Current lineup is all new, so a good time to be shopping in the next couple of years. XC40 - mini-sport-Ute. I see it as marketed to wealthy urban millennials. Probably some crossover with empty-nesters. XC60 - mid-sized SUV - Soccer moms who want somet...
by onourway
Tue Oct 22, 2019 2:27 am
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1941

Re: Car cover for vehicle parked outside during winter

A shipping container would actually be a good cheapish option if it would fit on your property. They stay reasonably dry inside. If the cars will be parked on dirt/grass under the canopy they will be in rough shape after just a couple of winters. Brakes, brake and fuel lines, chassis, etc will all s...
by onourway
Mon Oct 21, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 70
Views: 9851

Re: Advice: Windfall Makes Working Worse Than Not Working

I think that unless you are looking to make this change anyhow, this is a silly change for the long term. Continuity of your career is more valuable long-term than a temporary tax savings on a windfall.
by onourway
Mon Oct 21, 2019 11:42 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12098

Re: High income earner waiting for a bear market to start investing

- I'm keeping my car loans to prop up a high credit score. Since i don't have other loans, I figured these are so cheap why not since it helps my credit score. But I have the funds to pay them off today if needed. No need to do this. You can get the same result if you can manage credit responsibly ...
by onourway
Mon Oct 21, 2019 5:41 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12098

Re: High income earner waiting for a bear market to start investing

The other point I’ll make is that if you are just starting, any time is good to get in because you don’t yet have all that much money at stake. Who cares if a tiny portion of your likely long-term net-worth suffers a temporary decline when the market falls just as you predicted? It won’t matter one ...
by onourway
Mon Oct 21, 2019 5:11 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12098

Re: High income earner waiting for a bear market to start investing

Every one of us chooses every day to stay fully invested. There is zero difference between you, who has not yet put your money in investments and the rest of us here who could choose to sell our investments today and sit on the cash at this ‘market peak’ and wait for the downturn you are certain is ...
by onourway
Sun Oct 20, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8204

Re: Wallets [Do you carry a wallet?]

I tried going the slim wallet route for a while but found it was not for me. I have a regular leather wallet I keep relatively slim but I still have about 7 credit cards all told because I like to maximize rewards. I tried the slim wallet for a time but found that a) It was more work keeping track o...
by onourway
Sun Oct 20, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Jump In Spam Emails For OPTONLINE Account
Replies: 1
Views: 273

Re: Jump In Spam Emails For OPTONLINE Account

Set up a gmail account and use it as a spam filter before forwarding on to your main account. Gmail’s spam filtering is the best there is.
by onourway
Sat Oct 19, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: iPadOS - Anyone Upgraded?
Replies: 8
Views: 564

Re: iPadOS - Anyone Upgraded?

11” Pro updated on first day available. No issues. Major improvement, especially with full desktop web browsing in Safari.
by onourway
Sat Oct 19, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10186

Re: For those who are FI: At what point did you begin to relax?

I think a huge part of reducing anxiety before full FI is keeping expenses low relative to your income and holding little to no debt. So while we are pretty well at ‘lean’ FI, what matters more to me is that we have no consumer debt, and a mortgage we could easily afford on one income, or pretty muc...
by onourway
Sat Oct 19, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10006

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Does the iPhone have CLI? Can you use ping or other networking tools in iPhone? Can you simply plug in the iPhone and transfer pictures/documents/etc off of it or do you still have to use iTunes or some other weird proprietary software? The reason why I use Android is because "it just works" and ye...
by onourway
Sat Oct 19, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10006

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Not full time, but I have played with one. Three main reasons: Longevity and OS updates. This could be achieved on Android by sticking with a Google Pixel, but it would be just as expensive as an iPhone. Security. This requires #1, but even once you achieve that, iPhone zero day exploits sell for c...
by onourway
Thu Oct 17, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2754

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

I noticed there are at least 3 different types of Sodastreams that are sold. Two are manual, but one of these has a CO2 gauge (I think), and the third is electric with just one button to push for consistent carbonation. Which do you recommend? The 'automatic' systems are of minimal use because of t...
by onourway
Thu Oct 17, 2019 5:09 am
Forum: Personal Consumer Issues
Topic: SodaStream: a good replacement for Costco Kirkland sparkling water?
Replies: 25
Views: 2754

Re: SodaStream: a good replacement for Costco Kirkland sparkling water?

We have a sodastream but my wife still drinks a lot of the canned stuff. I actually prefer the sodastream taste myself, but it is different than many of the canned/bottled varieties. I consider the ‘fizz’ to be a bit more intense from the sodastream, although this is somewhat adjustable by how much ...
by onourway
Thu Oct 17, 2019 5:04 am
Forum: Personal Consumer Issues
Topic: Car cover for vehicle parked outside during winter
Replies: 19
Views: 1941

Re: Car cover for vehicle parked outside during winter

Unless the cars are covered extremely well and sitting on concrete, in the NJ climate they will deteriorate rapidly being stored outdoors year-round. It’s the moisture from the ground-up that will do the real damage. I’m in NY and I rent a storage spot for my summer car. It’s about $500 for 6 months...
by onourway
Thu Oct 17, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10006

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I’ve been computing since the early ‘80’s. Work environment is entirely Windows computers and about 95% iPhones. The innovation curve has certainly flattened out over the past few years, and with market saturation the prices for used iPhones has plummeted as well. For years we upgraded while selling...
by onourway
Thu Oct 17, 2019 4:53 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10006

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I think iphones appeal to folks who aren't too techy, don't want to mess with anything to make it work, and just want it to be reliable. And who uses phones the most in your ecosystem? In mine, it's the women in my life. My wife gets a million texts a day and she's constantly in touch with her moth...
by onourway
Wed Oct 16, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2647

Re: Commuting dilemma

While fuel economy should be a major consideration, I would also place comfort and safety up there even higher. If your Lexus doesn’t have any kind of automated driving system, I’d actually upgrade to something that has both that AND gets better mileage. These systems will improve your safety while ...
by onourway
Tue Oct 01, 2019 3:06 pm
Forum: Personal Investments
Topic: VTI now has lower fees than VTSAX
Replies: 30
Views: 3719

Re: VTI now has lower fees than VTSAX

Even if it’s meaningless, why would anyone pay more than necessary? Please educate me. Because .01% is well within the noise of overall investment returns. It would be impossible to look back over an investing period and claim that the lower expense ratio was responsible for better performance. Due...
by onourway
Sun Sep 29, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 36
Views: 2735

Re: When and should I buy dream car? 1997 Toyota Supra

It doesn’t sound to me like you are ready. You don’t have a garage for it. Unless your parents are around the corner garaging it there will be inconvenient. That will mean you either won’t drive it much or it will end up not being garaged much. Both are bad for keeping an old car in great condition....
by onourway
Sun Sep 29, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Midtown NYC Hotel w/ Kids?
Replies: 17
Views: 1881

Re: Midtown NYC Hotel w/ Kids?

We have been staying at the Westin Grand Central with our young kids for the past several years when staying in midtown. Staff is very accommodating and friendly. Even though we are only there 1-2 times/year, many remember us. Easy walk to Grand Central (as well as Times Square/Rockefeller Plaza, ev...
by onourway
Sat Sep 21, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 3067

Re: Separate laptop for dealing with finances?

I think it’s overkill for most people, but the easiest method if you insisted would be to have an iPad dedicated to the purpose that got used for nothing else.
by onourway
Wed Sep 18, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1774

Re: iCloud Full - Photos

As a follow up I had a couple of additional questions: * So the sync and backup is different. As long as one is careful and does not delete a file in iCloud there would be no need for a separate backup drive correct? * I thought on the Mac, iPad, signing into iCloud, that there was a deleted items ...
by onourway
Wed Sep 18, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: iCloud Full - Photos
Replies: 23
Views: 1774

Re: iCloud Full - Photos

Are you paying for any other cloud storage service already? iCloud is now a functional, multi-platform sync service a-la Dropbox, OneDrive, etc. The Windows client is now fast and functional and designed in close collaboration with Microsoft. I recently did an assessment of my growing cloud services...
by onourway
Fri Sep 13, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4299

Re: Best Leaf Blower?

Dan is misinformed. The latest generation of top-tier electric blowers are essentially on-par with gas blowers, with similar top air speed and often more volume than their gas counterparts. My Echo electric is better than my Makita gas blower in every way, and will last on a single charge for longer...
by onourway
Thu Sep 12, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9538

Re: How old is your cellphone?

Used to upgrade regularly, have held off the last few years very happy with my iPhone 7. Still works perfectly. That said, I am thinking that the camera has advanced enough now that I’m considering a new model. The reality is that we take 99% of our photos with our phone, and we will only have young...
by onourway
Thu Sep 12, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: First car accident ever, now what?
Replies: 30
Views: 2187

Re: First car accident ever, now what?

I too recently had my first accident at nearly a similar age. Fortunately someone just backed into me at low speed in a parking lot, but I still had to deal with insurance. First, everyone seems to say ‘make your insurance deal with it.’ That’s not exactly how it worked out for me. I called my insur...
by onourway
Thu Sep 12, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4582

Re: [Buying 1/2 pint milk in bulk for school lunches?]

Give them a thermos.

Like investing, the simplest answer is usually the best.
by onourway
Thu Sep 12, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: New iPad
Replies: 9
Views: 1618

Re: New iPad

Like others say, it really depends on what you use it for. The new 10.2” iPad is hard to beat value-wise. It will work with your existing Apple Pencil for the first gen Pro if you have one. The big advantages to the newest Pro models are, IMO, the larger screen which comes in a much more compact bod...
by onourway
Thu Sep 12, 2019 3:34 am
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4636

Re: Best Dog Car?

Volvo XC70/V90CC. One of the only vehicles on the market with legitimate OEM dog features available. Options include a heavy-duty retractable net that keeps them behind the rear seat OR keeps them behind the front seats while having access to the full cargo area of the vehicle with seats that fold c...
by onourway
Mon Sep 02, 2019 5:12 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 6073

Re: Not gaining weight on vacation?

Make exercise part of your daily routine no matter where you are in the world. Running or walking is fantastic because it doesn’t require you to bring much of anything extra, it’s a great way to get to explore and see more of new areas, and going for a long run or walk shortly after arrival is the b...
by onourway
Sun Aug 25, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17720

Re: White collars- How much is your work downtime?

I am not surprised at the amounts of downtime listed here, but I am surprised that people want less downtime at work.... what? Why do you WANT to be busy at work 100% of the time? If you have no work to do, that is great. Just chill and browse the internet. I certainly don’t want zero down-time, bu...