Search found 22 matches

by zoneinfo
Sat Jul 21, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement
Replies: 76
Views: 5874

Re: New Vanguard Security Code Requirement

I've worked in IT security and absolutely hate this feature. It's an overly burdensome solution to a problem easily mitigated with sufficiently-designed password parameters (read >12 characters with complexity requirements). Honestly, reading things like this makes me silently scream in terror as c...
by zoneinfo
Thu May 10, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8125

Re: Amazon Alternative

Here's our list; I hope this helps you unshackle from Amazon's grips. - local mom & pop stores first - big chain local stores next - costco - monoprice.com - bhphotovideo.com - chewy.com - newegg.com - target.com All of these guys give you free shipping and better prices than Amazon anyway. We also ...
by zoneinfo
Tue May 08, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 44
Views: 6130

Re: Alliant 3/2.5% card - any experience?

Another negative of Alliant and their CashBack card is that unlike most (all?) other cash back cards, you have to login and manually "request" your money. Else you never get your money. Others like Fidelity or PenFed cards would automatically credit your account. Not Alliant. Relevant details: https...
by zoneinfo
Sat Apr 28, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11565

Re: Amazon to raise Prime membership in US to $119 from $99

I found that Amazon now has a big problem with counterfeit merchandise that I simply don't have to worry about when I shop with their competitors. It would be interesting to know how much of a problem this really is. I recently read a bunch of articles on this subject with plenty of anecdotal examp...
by zoneinfo
Fri Apr 27, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11565

Re: Amazon to raise Prime membership in US to $119 from $99

I was a loyal Amazon shopper from the mid-90's until 3 or 4 years ago when I cancelled Prime and haven't purchased anything from them since. I found that Amazon now has a big problem with counterfeit merchandise that I simply don't have to worry about when I shop with their competitors. I'd argue bu...
by zoneinfo
Sat Mar 10, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 5787

Re: Men's Cologne

Whatever you and your partner both like? seriously though, here's two safe bets -
- YSL La Nuit
- Burberry London

a google or youtube search for "most popular mens cologne" or something similar would give you more safe bets to consider.
by zoneinfo
Tue Feb 20, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 6068

Re: Multiple Offer situation/should we pull our offer?

It's a sellers market and they can do anything they want right now.

With that said, I would personally pull my offer without knowing more details from the seller.
by zoneinfo
Tue Jan 30, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9857

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I'm still using a 5 year old iphone 5. I see no need to upgrade! Just put on a battery case from Amazon that allows me to use the phone all day without recharging. Who's with me? No new phones!!! iPhone 5 is end of life and does not receive security updates. Malicious ads could be stealing your per...
by zoneinfo
Thu Dec 28, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 56
Views: 6778

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Making the car worthless - who would buy this - even a dealer would not take it. I think you're overreacting a bit on this point. Like almost every car built those years, my last Subaru had the same air bag recall (unfixed). I traded the car in when I bought a Prius 2 years ago. The airbag recall n...
by zoneinfo
Thu Dec 21, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 4883

Re: How to hit full 401k contribution limit of $55,000?

This way to get close to the $55k or $60k total limit is to have MANDATORY CONTRIBUTIONS to start with, along with a high "match". But most employers seem loathe to REQUIRE all employees to put 5% of salary into their 401k from day one. The $18K amount is for Elective Deferrals beyond any mandatory...
by zoneinfo
Wed Dec 20, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 4883

Re: How to hit full 401k contribution limit of $55,000?

This way to get close to the $55k or $60k total limit is to have MANDATORY CONTRIBUTIONS to start with, along with a high "match". But most employers seem loathe to REQUIRE all employees to put 5% of salary into their 401k from day one. The $18K amount is for Elective Deferrals beyond any mandatory...
by zoneinfo
Wed Dec 20, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 4883

Re: How to hit full 401k contribution limit of $55,000?

I'll be maxing out my 401k and my employer match will only give me a few thousand more. That leaves me more than $30,000 short of the $55,000 employee/employer contribution limit. How do people hit that limit? My employer isn't going to change the matching rate, so are employers allowed to make an ...
by zoneinfo
Tue Nov 14, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6425

Re: Keurig died...what now?

The Keurig cups are incredibly expensive when you aggregate them out over cost per pound of coffee. There is a convenience factor, sure, but you'll have to ask yourself it makes sense to pay the extra for it. I went in for the Technivorm Moccamaster (refurb to save on cost) and a Breville Grinder (...
by zoneinfo
Tue Nov 14, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6425

Re: Keurig died...what now?

This sounds kind of sad, but I expect my Keurig to die every 1-2 years with our heavy use. As expected it died last month and I purchased a new one. This time with a 3 year warranty from Amazon (only $2.89). When it dies in the next 2 years, I will replace with my claim and repeat. If it makes 3 ye...
by zoneinfo
Thu Oct 26, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6666

Re: Index investing is boring

Consistently making money with little effort is boring. Keep at it.
by zoneinfo
Wed Oct 25, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 22409

Re: Let's talk about your FI # and family income [Financial Independence]

Nah, it was more of wishful thinking. I'd be willing to go earlier. Not expecting to make a jump from 3.5 to 10 in one year. More likely closer to $4M+ and just pull the plug despite not getting to $10M. This makes sense. On the flip side, instead of retiring early, have you considered working unti...
by zoneinfo
Tue Oct 24, 2017 8:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 68
Views: 15206

Re: Seattle Area Chapter Meetings - Master Thread

what's the frequency of the seattle area meetups? Is this thread the best way to keep up to date or is there a different communication channel off the board?
by zoneinfo
Tue Oct 24, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 22409

Re: Let's talk about your FI # and family income [Financial Independence]

Current Situation married, 3 kids, 20 year career, now exec mgmnt annual W2 income - six figures annual expenses - 28% of income net worth including property - 5.5x annual income.10x annual expenses. Our target FI number is $10M. Yeah, I know, that's high, but that's the target. The likely number t...
by zoneinfo
Sun Oct 15, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a fund for my HSA in California
Replies: 9
Views: 1044

Re: Help me pick a fund for my HSA in California

Do you plan to use your HSA for medical expenses before age 65? If you plan to not touch your HSA until age 65, like I do, then just plunk the money in the lowest cost diversified fund you can find. My provider offers an insane 500+ random overlapping funds to choose from; but very few with low cost...
by zoneinfo
Sun Oct 15, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 9408

Re: How many miles/years do you keep your car?

About 12-14 years per car. I buy new, and keep the car until it becomes unreliable or the repairs cost more than the car's KBB value.
by zoneinfo
Sun Oct 15, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 6004

Re: WiFi [extender]

extenders add latency to your network; I would avoid them if at all possible. Have you checked out the latest router reviews on smallnetbuilder? Replacing my old Apple wifi router with a new Synology wifi router resolved all my range issues.