Search found 2484 matches

by onourway
Fri Jul 10, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the right neighborhood (home)?
Replies: 44
Views: 2847

Re: How to find the right neighborhood (home)?

HOA - guard gated. Not just gated but 24/7 guard gated. Ideally armed. You do want your family to live in safe neighborhood. That was my wife's only priority when buying (no kids). There is something to be said for avoiding criminality. I wouldn’t live in an area where it was necessary to live in a...
by onourway
Fri Jul 10, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the right neighborhood (home)?
Replies: 44
Views: 2847

Re: How to find the right neighborhood (home)?

HOA - guard gated. Not just gated but 24/7 guard gated. Ideally armed. You do want your family to live in safe neighborhood. That was my wife's only priority when buying (no kids). There is something to be said for avoiding criminality. I wouldn’t live in an area where it was necessary to live in a...
by onourway
Fri Jul 10, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Who has painted their own house?
Replies: 43
Views: 3353

Re: Who has painted their own house?

Depending on the siding materials and their condition, it’s often the prep that’s the time consuming, difficult work, rather than putting the paint on. The couple times we’ve had our home with wood siding painted, I’d estimate the prep was 80% of the job. Proper prep work will determine whether the ...
by onourway
Wed Jul 08, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 4785

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

We have owned 100,000+ mile, 10-20 year old Volvo’s for most of the past 20 years. We owned one new Toyota in that time. Really, if you can afford these vehicles, the repair cost scare stories are just that. Sure, if you want to maintain your older model Volvo at the dealer, it’s likely to hurt. Bra...
by onourway
Mon Jul 06, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Best $10k car for me?
Replies: 32
Views: 2234

Re: Best $10k car for me?

$10k buys a perfectly decent Volvo or Subaru wagon with space big enough to fit a bike and 3 kids.

Personally I’d add a hitch and get a 1-Up single bike rack. Takes up minimal space behind the vehicle, and a bike can be loaded in under 30 seconds.
by onourway
Wed Jul 01, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1450

Re: iPhone 7 battery not staying charged full day....

We had the battery replaced in my wife’s 6s under Apple’s replacement program. It didn’t make a whole lot of difference, honestly. The kids still use it as an iPod and the battery barely lasts a day with a clean install and almost nothing on it. My 7 was a bit better, but not much. Our 11’s last 1.5...
by onourway
Wed Jul 01, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1159

Re: Inexpensive Basic Microphone for Zoom

Get the Airpods.

With a Mac or iOS device there are zero connection hiccups, no latency, just good call quality and incredibly simple to use.

There is a reason why they are so pervasive in today’s online meeting world - as well as in professional at-home productions during the lockdown.
by onourway
Wed Jul 01, 2020 5:57 am
Forum: Personal Consumer Issues
Topic: Thinking of buying a Mercedes SUV
Replies: 42
Views: 2241

Re: Thinking of buying a Mercedes SUV

Maintenance costs will undoubtedly be higher. That’s baked into the incredible depreciation that brings you to the price you are looking at. I would personally find out who your independent mechanic is going to be prior to purchasing a vehicle like this. If there isn’t someone convenient to you that...
by onourway
Wed Jul 01, 2020 5:52 am
Forum: Personal Consumer Issues
Topic: Spectrum cord-cutting question
Replies: 5
Views: 609

Re: Spectrum cord-cutting question

Your Internet speed is fine for up to 2-3 streaming devices at a time, plus a bit of other concurrent use. I think the YouTubeTV price increase is unfortunate, but I have basically expected it. This is the standard tech service subscription model that has been happening for years. You get a great in...
by onourway
Thu Jun 25, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card offer
Replies: 21
Views: 1940

Re: Chase Freedom Unlimited card offer

J6shin wrote:
Thu Jun 25, 2020 8:11 pm
I believe you cannot have both chase freedom and chase freedom unlimited. That’s why you were probably rejected. My parents switched to get the bonus, but had to drop their freedom card
Doesn’t appear to be so. I have both.
by onourway
Thu Jun 25, 2020 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Retirement/Not Enough for House?
Replies: 125
Views: 12362

Re: Too Much Retirement/Not Enough for House?

It’s easy to understand why you want to own a place - we are similar ages and with 3 young kids as well, in about 1400 sq. ft (but with good outdoor space). However, I just don’t see the numbers working for the $800k house. Personally, even with income more than 2x yours, we are considering houses i...
by onourway
Thu Jun 25, 2020 4:22 am
Forum: Personal Consumer Issues
Topic: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?
Replies: 65
Views: 2474

Re: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?

My wife had a 6s that got a new battery under Apple’s program in 2019. We both upgraded to the 11/11 Pro when they were released, and the battery life of the new phones is substantially better than she was able to get from the 6s even with a clean software install, or I was able to get from my 7 wit...
by onourway
Sat Jun 20, 2020 6:19 am
Forum: Personal Consumer Issues
Topic: What to look for in a webcam?
Replies: 24
Views: 1017

Re: What to look for in a webcam?

Use your iPhone. Your home wifi connection is likely to be a bigger hit to the quality than the phone’s camera. A phone is actually a great tool for this because it’s portable, you can walk it around to show things you are talking about, flip to the front facing camera, etc. A surprising amount of v...
by onourway
Tue Jun 16, 2020 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Credit card budget tracking
Replies: 11
Views: 873

Re: Credit card budget tracking

YNAB.
by onourway
Sat Jun 13, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4599

Re: heated driveway?

You still haven’t given us any idea of where you live or how much snow you are dealing with, etc. If you are extremely rural, I might believe you can’t find anyone to clear your driveway and sidewalks. If you live in a town of any sort, you may not find someone in June, but by late November you shou...
by onourway
Thu Jun 11, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 514
Views: 18638

Re: Market makes no sense

Is it really your plan to make bets with your life savings? Yes, doing so gives you a small chance of hitting it big. However it also greatly increases the odds of losing even bigger. I don’t see it. If he tries to time the market, hitting it big is not really an option. You might make some progres...
by onourway
Thu Jun 11, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 514
Views: 18638

Re: Market makes no sense

To clarify what "market timing" means in this situation, the proposal would be to sell equities now and then reinvest evenly over the next 9 or so months via dollar-cost averaging. In essence, this would be a bet that the market now is priced higher than the average over the next nine months. While...
by onourway
Mon Jun 08, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford 600k house?
Replies: 95
Views: 8857

Re: Can we afford 600k house?

Again, I’ll restate, I figure with $115k single income with 401k and health insurance contributions you likely will have around $78k in after tax income. That’s $42000 to live on after paying $36k in PITI. That doesn’t leave much room for error. Bonuses are never guaranteed. I make $115k and, other...
by onourway
Sun Jun 07, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5946

Re: To what Broadband Speeds do you Subscribe and Why?

One thing I am learning from this thread is that we sure pay a premium for our service! Spectrum charges $90 for 400/20. $70 for 100/10...
by onourway
Sun Jun 07, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Backyard Movie Night
Replies: 22
Views: 2142

Re: Backyard Movie Night

Someone locally is selling an Epson 760 for $120 which seems like a good price. Is there anything to look out for when buying a used projector? I guess my concern would be that it’s going to be difficult to test something like a projector. That said, it’s a pretty substantial savings, so I’d go tak...
by onourway
Sun Jun 07, 2020 6:04 am
Forum: Personal Consumer Issues
Topic: Backyard Movie Night
Replies: 22
Views: 2142

Re: Backyard Movie Night

You may want to check the Epson Factory store: https://epson.com/Clearance-Center/Home-Entertainment/c/cc301 They carry refurbished projectors with a two or three year warranty. I purchased a high end projector there about seven years ago for a home theater. Paid about half what it sold for new and...
by onourway
Sat Jun 06, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Struggling on Purchasing the Right Car
Replies: 54
Views: 4013

Re: Struggling on Purchasing the Right Car

At this stage in your journey $5k is a lot of money. I would buy the used model to save the money and to get you the touch screen you want (going without it by buying a new model without it will just annoy you every time you drive the car, hopefully for the next 10 years). 30k miles on a Honda is no...
by onourway
Sat Jun 06, 2020 6:30 am
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5946

Re: To what Broadband Speeds do you Subscribe and Why?

whodidntante, << My cable provider >> That answers most of your questions. I do not buy my Internet access from the cable provider. They are regulated and held to a different standard than a traditional Telecom provider. For example, they do not pay a penalty if your Internet service is down for mo...
by onourway
Fri Jun 05, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5946

Re: To what Broadband Speeds do you Subscribe and Why?

whodidntante, << My cable provider >> That answers most of your questions. I do not buy my Internet access from the cable provider. They are regulated and held to a different standard than a traditional Telecom provider. For example, they do not pay a penalty if your Internet service is down for mo...
by onourway
Fri Jun 05, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5464

Re: Anyone booking flights for 2021 travel?

Are you serious? No effective anti-viral drug, no vaccine and half the population acting like the pandemic is over and you want to climb on an airplane? I am regularly see people with COVID. I wear what I believe is appropriate protection. I have almost no fear of getting sick. Why should a plane b...
by onourway
Fri Jun 05, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Seller breach of contract on home. I need advice.
Replies: 64
Views: 6721

Re: Seller breach of contract on home. I need advise.

I have to admit I’m surprised with how little it appears a contract is worth as written and signed (at least from the responses on this board). To me it seems pretty cut and dry, the seller signed he would do grounding upstairs, he didn’t, now he’s willing to break a contract to relist. To me it ju...
by onourway
Thu Jun 04, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5946

Re: To what Broadband Speeds do you Subscribe and Why?

Switched recently from 100/10 to 400/20. We have 5 people in the home often on video calls, streaming media, etc all simultaneously. I monitor bandwidth usage pretty closely and honestly there isn’t much of any practical difference. We still peak out below 10Mbps upload the vast majority of the time...
by onourway
Thu Jun 04, 2020 5:53 am
Forum: Personal Consumer Issues
Topic: Car question for a white vehicle - acid washing?
Replies: 29
Views: 1347

Re: Car question for a white vehicle - acid washing?

I had not heard of it before either despite being a reasonably serious DIY detailer. A number of the legitimate detailing forums have discussions about it if you are interested in learning more. It’s legitimate, if somewhat uncommon for cars. It’s generally professionally done, not something you do ...
by onourway
Wed Jun 03, 2020 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

I mean, in your other thread most of the advice was to go for it with buying the house. Yes, I think you have far too much money invested in vehicles at this point. This is likely a good real-world example of why paying cash for a vehicle is a good idea for many people. I suspect your wife would not...
by onourway
Tue Jun 02, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 27
Views: 1224

Re: Anyone Install MOCA for fios speed?

I already have that and still have issues. IT guy at work said the MoCa is the way to go I’m just not sure what I need for setup In theory this should be easily solvable by adding another mesh point to increase the coverage density. This is typically the simpler solution and exactly how mesh is des...
by onourway
Tue Jun 02, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 27
Views: 1224

Re: Anyone Install MOCA for fios speed?

I have a good WiFi signal but main connection is on second floor where router is. Basement, first floor and second floor have set top boxes. Streaming second floor is ok but first buffers and basement buffers badly due to home configuration. I’d like to use MoCa for the first floor and basement but...
by onourway
Tue Jun 02, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Anyone Install MOCA for fios speed?
Replies: 27
Views: 1224

Re: Anyone Install MOCA for fios speed?

Can you give more details on your current setup - house size, number of floors, router/wifi make (is this a single router provided by Verizon?) and location, etc? There are a number of people here who I know have had good experience with MOCA, however it seems to me that it's often far easier and mo...
by onourway
Tue Jun 02, 2020 5:44 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41810

Re: JPM Chase Reserve Card gets more expensive,

How can you cash out at 1.5 cents? See upthread - https://www.bogleheads.org/forum/viewtopic.php?f=2&t=300020&start=350#p5281188 Thanks. Cash out but not for cash. Any dollar you cash out on things you’d buy otherwise, which for grocery stores, restaurants, and home improvement stores is likely to ...
by onourway
Mon Jun 01, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Backyard Movie Night
Replies: 22
Views: 2142

Re: Backyard Movie Night

In to hear responses as my wife has been asking me to look into this. I’m finding a huge gap between name-brands which seem to start at about $800 and the typical Amazon stuff where it’s hard to really know what you’re getting. The refurbished Epson mentioned above looks interesting and isn't too b...
by onourway
Mon Jun 01, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116969

Re: Why are you NOT buying rental properties?

You need me to show a spreadsheet that I CREATED as prove? What incentive is there for me to try to impress people on an anonymous forum? The twisted logic. When people are open and honest and transparent they are generally trusted to be doing what they are saying they are doing. If your data was p...
by onourway
Mon Jun 01, 2020 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 116969

Re: Why are you NOT buying rental properties?

OP, Still waiting for you to show us your real estate spreadsheet numbers. You've been telling us how awesome you have been doing - when do we actually get to see it? I would rather invest my money in real estate than leasing a luxury car that you can't afford. I have no idea what that has to do wi...
by onourway
Mon Jun 01, 2020 5:02 am
Forum: Personal Consumer Issues
Topic: Backyard Movie Night
Replies: 22
Views: 2142

Re: Backyard Movie Night

In to hear responses as my wife has been asking me to look into this. I’m finding a huge gap between name-brands which seem to start at about $800 and the typical Amazon stuff where it’s hard to really know what you’re getting.
by onourway
Mon Jun 01, 2020 4:58 am
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 59
Views: 3112

Re: Which budgeting software do you use ?

You Need a Budget.

Completely transformed the way we manage our money. Well worth the subscription fee.

Excellent support and regular updates.
by onourway
Sun May 31, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41810

Re: JPM Chase Reserve Card gets more expensive

I just redeemed all of my eligible purchases from the last 90 days at 1.5c/point. It’s worth doing this immediately if you intend to take advantage of this offer as it looks back 90 days from today - a number of purchases I had which I’d completely forgotten about were eligible but would have expire...
by onourway
Sun May 31, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Double Play (Internet and TV)
Replies: 28
Views: 1207

Re: Double Play (Internet and TV)

I currently have Triple Play with Xfinity for which I pay over $ 200/mo.. Why is it so much? I have Verizon Fios with 2 phone lines for $125. And whatever you do, don't drop a landline. Cell phones often have poor sound quality and it's bad enough when one person is on a cell. When both parties are...
by onourway
Sat May 30, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7516

Re: does anyone have a subscription to youtube tv?

What if one of the devices is not on wifi but rather cellular, even though they are physically in the same house? Not a problem because the YouTubeTV app requires access to your devices location. Oh, I understand that - simply pointing out one of the many difficulties if they were to want to lock i...
by onourway
Sat May 30, 2020 10:25 am
Forum: Personal Investments
Topic: Time for a new house?
Replies: 35
Views: 2900

Re: Time for a new house?

I would want something more meaningful than just the extra space to make the move. The house, lot, location, everything needs to come together as the house you want. This can vary tremendously, even on the same block. I would also sell your current home to do this. You don’t give us the full financi...
by onourway
Sat May 30, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7516

Re: does anyone have a subscription to youtube tv?

It also illustrates the core problem that these providers face. Convenience and security are usually (but not always) diametrically opposed. So any action Google (in this instance) takes to shut down illegitimate use, has a risk of also inconveniencing or angering legitimate customers who aren't vi...
by onourway
Sat May 30, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7516

Re: does anyone have a subscription to youtube tv?

I think it’s a bit of a stretch to call the largest, most profitable companies in the world a “victim” here. :D As it stands for services like YTTV, Netflix, HBO, etc. they are doing the absolute bare minimum required to police this. These are the most technologically advanced companies on the plan...
by onourway
Sat May 30, 2020 8:28 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7516

Re: does anyone have a subscription to youtube tv?

I see @lazydavid’s point, however if these services really intended to police this behavior, it would be trivial for them to do so. I’m not so sure that it would be trivial for them to police this, given that it’s multi platform and multi location (e.g., business trip and borrowed laptop). I think ...
by onourway
Sat May 30, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7516

Re: does anyone have a subscription to youtube tv?

" YouTube TV costs $49.99/month for 1 membership with up to 6 accounts ." Does that mean I can provide my YouTube account # to 5 others at other addresses and they can get YouTube TV at no cost by using my account? I get Netflix free because somebody, in another state, added me to their account. Is...
by onourway
Sat May 30, 2020 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36078

Re: Changing the Subject

15 years ago maybe this worked. Today it doesn't require any bit of this showmanship. Simply find the vehicle you want online. Email the online sales manager. Shoot your offer. Tell them best a final subject to test drive. If they decline, move on. Cars today are interchangable. If your offer is so...
by onourway
Fri May 29, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6371

Re: Car Issues - No Oil

For the oil consumption you could try one of the "high mileage" oils from a major brand. These contain things to help make old seals a bit more like they used to be (pliable). If aged valve stem seals are contributing to the problem, and they could be, this may help and shouldn't cost much if any m...
by onourway
Fri May 29, 2020 5:29 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 89
Views: 6371

Re: Car Issues - No Oil

How much oil did your husband add? Note that a dry dipstick is only 1.5-2 quarts low on many vehicles - not ideal - but also not low enough to do immediate damage. If it was completely dry the engine would have seized in minutes if not seconds. If it’s running ok now and not making any bad noises, i...
by onourway
Thu May 28, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 43
Views: 3925

Re: What to do with Chase Ultimate Rewards points?

(Posted in another thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=300020&p=5279543#p5279543 but relevant to this one) Redeem through Sep 30 at travel portal rates (1.5 cent/point for Reserve, 1.25 cent/point for Preferred) for statement credits of purchases at grocery stores, dining (i...