Search found 431 matches

by 28fe6
Mon Nov 04, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3600

Re: Best card to complement 2% cash back?

I am neither a Costco nor Sam's club member, at least not for now. I tend to buy small batches of things and use grocery pick up and delivery options. Almost the opposite philosophy of a warehouse club membership. I do have a costco nearby and I might think about joining when I need tires next thoug...
by 28fe6
Sun Nov 03, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3600

Best card to complement 2% cash back?

So Barclays just destroyed the Uber Visa as described in the other thread. I already have both Fidelity and Citi 2% cash-back cards. I mostly use the Fidelity. But I liked supplementing the Fidelity card with Uber for the 4% cash back on restaurants (my biggest spend category), no foreign transactio...
by 28fe6
Mon Oct 28, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5583

Re: Uber VISA rewards cut

This completely ruins the card for me. It's probably still a decent card, but now it's just one out of hundreds of other decent cards. I will probably stop using it except for international because it's my only card with no FTF. Eliminating cash back is the big one for me. I have no need at all for ...
by 28fe6
Wed Oct 09, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Receipt and document scanning app for Android
Replies: 7
Views: 473

Re: Receipt and document scanning app for Android

I tried Google drive on my phone. I think it's going to do what I need. I will report back once I have a workflow.
by 28fe6
Wed Oct 09, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Receipt and document scanning app for Android
Replies: 7
Views: 473

Re: Receipt and document scanning app for Android

I'm not looking for automatic categorization or OCR or anything. Actually I would prefer to avoid having yet another company reading my document data. I could use Google drive or Dropbox or anything.
by 28fe6
Wed Oct 09, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Receipt and document scanning app for Android
Replies: 7
Views: 473

Receipt and document scanning app for Android

I heard about people who take pictures of all their mail when they open it, then throw it away. I think they have document scanning apps that make this easier. On my work phone, I have an expense report app that automatically detects the edges of the receipt, crops it and corrects the geometry. My b...
by 28fe6
Fri Sep 20, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11575

Re: How do you spend money to gain time? (young family)

Here is an earlier thread: https://www.bogleheads.org/forum/viewtopic.php?t=213662 and there are many more. I have tons of time because I don't worry what other people think about my clothes, my car, my yard, my house, my kids. I didn't even have to spend any money on not worrying. Example: Toddler...
by 28fe6
Mon Sep 16, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: T-mobile vs Google Fi for Internatioanal?
Replies: 31
Views: 2080

Re: T-mobile vs Google Fi for Internatioanal?

I would recommend staying far far away from Google Fi for your primary phone service. My experiences can be found elsewhere. Please, stick with a "real" phone company. In the states, when I had Fi I was connected to TMobile towers 90% of the time anyway. Except the service was terrible. Fi is actual...
by 28fe6
Sun Sep 15, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3216

Re: What dish soap do you use?

Dawn is the preferred brand for washing vinyl records. So I slightly prefer Dawn. But dish soaps are a commodity.

Suds has a lot to do with your water softness, more so than soap.
by 28fe6
Thu Sep 12, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4235

Re: What older products/tools are better than modern equivalents?

I started to reply, but then I realized the real answer: nearly everything has gotten worse. My personal anti-favorites are hand files. Good hand files for metalworking are practically obsolete technology. What's available now are file-shaped objects. It would be easier to list the exceptions. What ...
by 28fe6
Mon Sep 09, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 1899

Re: Visit to Tokyo

You can go to yebisu (pronounced ebisu) and visit the free observation tower for a great view. I like free things. There is also a brewery and museum there.
by 28fe6
Sat Sep 07, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3397

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

Buy a spare before failure and have on hand? Yes absolutely, especially when I lived in very hot places. Replace before failure? Not quite, but I don't think the guy is trying to rip you off exactly. I know how to change a capacitor, but if I had to call for service if it failed or it was for a rent...
by 28fe6
Thu Sep 05, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

What if one of the kids sitting alone next to a stranger had to use the bathroom when parents are somewhere else on the plane? Or they feel airsick or have ear pain during take off or landing? or help with eating (snack/meal). Many of these issues are common to minors traveling alone, except better...
by 28fe6
Wed Sep 04, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789069

Re: What's Your Credit Card Rewards Strategy?

Is it possible to have Chase switch your type of card, even if you are over 5/24?

I really want a United card, but I think I'm over 5/24. I have a Freedom and Freedom Unlimited that I would gladly trade; I have heard about people converting cards before, but an airline card??
by 28fe6
Wed Sep 04, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

Here is another way to think about this. All you care about, apparently is $400. That's your problem. It's not all I care about, and it's not a problem. I have $400. I just think I would rather save the $400 and let the airline choose my seats in this case, and spend the $400 on other goods and ser...
by 28fe6
Wed Sep 04, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

in what world is that remotely fair? You are saving to the tune of $80/ticket, yet you offer $50/seat to someone who has presumably also had to pay $80 extra to get that specific seat (if the other person was also in basic economy, no big deal, as s/he just pocketed $50, but if s/he had to pay for ...
by 28fe6
Wed Sep 04, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

Also, when you rent a car, reserve a sub-compact and hope you can get a free upgrade when you arrive. If not, then negotiate with other customers to switch their larger cars for yours. Maybe offer a few bucks or see if you can get the customer service rep to make others give up their larger cars fo...
by 28fe6
Wed Sep 04, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

in what world is that remotely fair? You are saving to the tune of $80/ticket, yet you offer $50/seat to someone who has presumably also had to pay $80 extra to get that specific seat (if the other person was also in basic economy, no big deal, as s/he just pocketed $50, but if s/he had to pay for ...
by 28fe6
Wed Sep 04, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

I can't imagine how you travel with three little kids and bring no luggage at all, unless you are paying to check a bag or two. We do it routinely. We are very lean and don't bring luggage even if it's free. We are visiting family and have everything we need on the other end of the flight. Anything...
by 28fe6
Wed Sep 04, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

I forgot to mention that I have Premier silver status with United, for what it's worth. Also, I booked 2 different itineraries (same planes): Me+son on one, and Wife+2daughters on the other. So we could theoretically upgrade Wife+2daughters, and hope that Me+son (he's the oldest) get fairly decent s...
by 28fe6
Wed Sep 04, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

So what if nobody offers to switch and the seat for the kid is a center seat away from parents? That's a serious question, I do not know what happens in that situation. Do they force a switch? I don't know either. I can think of a few things that might happen. The people sitting next to the kid mig...
by 28fe6
Wed Sep 04, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

Re: First-hand experiences with United Basic Economy for families?

Thanks for the FlyerTalk link. I still have a chance to purchase seats up until check-in time starts. However, United says that you cannot purchase seats after check-in time. In the case of young children, I'm really surprised that United allows people to buy Basic Economy tickets for them at all. A...
by 28fe6
Wed Sep 04, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7627

First-hand experiences with United Basic Economy for families?

I'm traveling with 2 adults and 3 small children (ages 4 through 6) soon. I can save $400 or more by choosing Basic Economy instead of Regular Economy. These are the downsides of Basic Economy: --No carry-on bags: no problem. I hate bags anyway. --No re-schedule or refunds: I'm willing to take the r...
by 28fe6
Tue Sep 03, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3481

Re: "Home" Cell Phone

I used to have a land-line with speed-dial. All you had to do was pick up the phone and press 1 in order to make a call. Or of course, pick up the phone and dial 911. As a side benefit, if you call the land-line from outside, it ring throughout the house so that my wife can't claim she didn't hear i...
by 28fe6
Sun Sep 01, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6945

Re: Purchasing a truck - thoughts?

Nobody that cares about having the safest vehicle buys a pickup truck. A minivan is the way to go by far if that is you. What is this based on? I have a minivan and I worry about safety a lot. I'm literally thinking about buying a pickup truck for this reason. The most common accident now is being ...
by 28fe6
Sun Sep 01, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6413

Re: Did humanity ever make good Gas cans

First, I recommend going electric. When I was last a homeowner, I had battery electric push mower, trimmer, and leaf blower. No gas. Second, if you do have small gas things, just buy the canned fuel that comes in steel cans. It's worth it. It will make your equipment last longer and run better too. ...
by 28fe6
Fri Aug 23, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4618

Re: Anybody else's Fidelity accounts zeroed out?

For some time, my Fidelity phone app has been showing that I have several billion shares of FSTMX. It's obviously a programming error, but it still bothers me. It would bother me more if it said I had zero.
by 28fe6
Thu Aug 22, 2019 2:50 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17565

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

I my field of engineering, projects can take 6 months to 4 years to complete, with the average being about 2.5 - 3 years. Design crews are typically assigned more projects than can humanly be completed on schedule. For just about the entirety of my career, each workday was a rather frantic attempt ...
by 28fe6
Sun Aug 18, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Company Vehicle - value?
Replies: 9
Views: 699

Re: Company Vehicle - value?

I believe I read some source that estimated total cost of tla vehicle at $400/mo including depreciation, repairs, etc. I can't remember if it was an official source or what
by 28fe6
Thu Aug 08, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 11179

Re: Amazon Prime - Value?

I agree the value is declining. But my Uber visa gets me a $50 discount, so it's still worth it for me. If I had to pay full price I think I would cancel.
by 28fe6
Tue Jul 23, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Visit Taipei, Taiwan or tour smaller towns in Japan?
Replies: 33
Views: 2629

Re: Visit Taipei, Taiwan or tour smaller towns in Japan?

I haven't been to Taiwan, but I lived for a while in Japan in the late 1980's. IMO, there are a lot of nice places worth checking out. From Tokyo, I'd consider places like Nagano, Kanazawa, Nikko, and Takayama. Even closer by is Kamakura. Farther afield, there's Hiroshima or Nagasaki or even Kagosh...
by 28fe6
Sat Jul 20, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Phone options when traveling out of country?
Replies: 25
Views: 2137

Re: Phone options when traveling out of country?

Switch to Google Fi. Definitely do NOT! I switched my primary service to google fi a couple years ago when I was traveling a lot and it was a nightmare, actually I am still fighting with them trying to port a number back out. Do not let Google anywhere near your primary phone service. Just switch t...
by 28fe6
Fri Jul 19, 2019 9:05 am
Forum: Personal Investments
Topic: ETF equivalents for Vanguard MM and VWINX
Replies: 4
Views: 292

Re: ETF equivalents for Vanguard MM and VWINX

To clarify, I'm not interested in actually using the free trades for anything except to set up the new portfolio at Chase. I'm only interested in churning the $300 bonus, which represents about 1.5% of the portfolio amount. Now that I think about it, isn't it possible to transfer the Vanguard funds ...
by 28fe6
Fri Jul 19, 2019 8:32 am
Forum: Personal Investments
Topic: ETF equivalents for Vanguard MM and VWINX
Replies: 4
Views: 292

ETF equivalents for Vanguard MM and VWINX

I have a conservative portfolio at Vanguard solely to hold some funds between house purchases. About half is in Vanguard MM funds, the other half is in Wellesley. Chase will give me $300 to open a YouInvest account, plus 100 free trades. It occurred to me that I could move the funds to Chase and tak...
by 28fe6
Tue Jul 09, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 3573

Re: Google fi users - happy with it and recs?

When I called her back, she said that she just tried to call me 3 times, but somebody answered on the other end of the line speaking some asian language that she couldn't understand. She called back two more times and got the same person. It is probably a glitch as you say, but just in the context ...
by 28fe6
Tue Jul 09, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Google fi users - happy with it and recs?
Replies: 32
Views: 3573

Re: Google fi users - happy with it and recs?

I'm a Google-Fi negative reviewer, as you can see from my posts above. As I posted before, everything about Google Fi is great except actually working for the purpose of telecommunications. I still constantly get dropped calls where my phone rings one time and then drops the call, or never rings at ...
by 28fe6
Fri Jul 05, 2019 2:10 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11396

Re: Pick one: $135,000 rental property or $110,000 in REITs

pennylane wrote:
Wed Jul 03, 2019 9:32 am
Take out a 80-50% LTV mortgage for the rental and use the rest for VNQ

Real estates biggest strength is the ability to leverage.
Forgive me if I'm not understanding...

Current mortgage rates are around 4%. VNQ yield is about 4%. How would getting a mortgage and buying VNQ help anything?
by 28fe6
Tue Jun 25, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2170

Re: Chrysler Pacifica - Yes or No

I have a town and country and I like it. I've rented a pacifica multiple times and did not like how it drove, and neither did my wife. The transmission apparently has a bad reputation for reliability but besides that I absolutely couldn't stand how it shifted. And they took away the manual-shift cap...
by 28fe6
Mon Jun 17, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3723

Re: Best way to teach my 4 year old to be fluent in Spanish?

It takes about 500-700 hours of comprehensible input for a native English speaker to learn Spanish. Contrary to folk wisdom, children are not actually better at acquiring language that adults, so you should consider that a "floor" value for your child. A little simple math should show you that no pr...
by 28fe6
Sun Jun 16, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1101

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

On my car the coils were not easy to access. You have to take off the intake manifold to reach them. So I replaced them all even though only one was bad.
by 28fe6
Thu Jun 13, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4681

Re: 50 or 75 gallon water heater?

The only drawback is that it has to push all of the cold water out ahead of it, so it takes a bit longer for hot water to hit the shower, etc (read about 'cold water gap') Unless you have a hot water recirculation system installed this will be the same with all water heaters. No, it is often worse ...
by 28fe6
Wed Jun 12, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2350

Re: Automobile air conditioning strategy

The best thing for efficiency is to set the fan as high as you can stand it, and set the cold as warm as you can stand it. I can't really take my fan on the highest setting so I set it to the one just below highest and control with the cold knob. Some people recommend turning AC button off, but lett...
by 28fe6
Mon Jun 03, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 1144

Re: Where do I buy term life insurance? What are the best companies?

Not all companies write policies in all states. It might be that results between the quotes can vary depending on the state. If I move to a new state, does that mean I can lose my coverage? Is the company obligated to notify me of that? I have moved several times and always updated my information w...
by 28fe6
Mon May 27, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3681

Re: tankless water heater?

I've had both types. Many regular type and a Rinnai. I would probably not switch from tank to tankless unless you really don't care about the cost. The tankless are expensive up front and expensive to repair. My Rinnai racked up $800 worth of non-covered repairs even though it was under warranty. I ...
by 28fe6
Sat May 25, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Any benefits to low salary job with high income spouse?
Replies: 32
Views: 7158

Re: Any benefits to low salary job with high income spouse?

Also eligibilty for ss disability benefits (in a way it is like purchasing long-term disability insurance which the private market does not really offer for stay-at-home parents). Can you tell me more about this? My wife doesn't work, and I'm bothered that we have no disability insurance on her. I ...
by 28fe6
Mon May 20, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Problems migrating from Samsung photos to Google Photos (long)
Replies: 7
Views: 529

Re: Problems migrating from Samsung photos to Google Photos (long)

Did you use Google Photos in the Galaxy S4 or did you use a different photo app? I used the default photo app, which was NOT google photos. I set my phone to use the SD card for photos, so there was a DCIM folder on the SD card. When I took a photo with the camera, it would show up in the DCIM/Came...
by 28fe6
Mon May 20, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Problems migrating from Samsung photos to Google Photos (long)
Replies: 7
Views: 529

Re: Problems migrating from Samsung photos to Google Photos (long)

I wonder if your workflow could be modified (and if it would be acceptable to you) whereby: 1) Take a picture on the phone 2) DropBox uploads the picture to a shared folder on the desktop 3) You edit the photo (move it to the desired location, modify it, delete original, etc). 4) DropBox then keeps...
by 28fe6
Mon May 20, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Problems migrating from Samsung photos to Google Photos (long)
Replies: 7
Views: 529

Re: Problems migrating from Samsung photos to Google Photos (long)

It's not that I ONLY want to save photos to the SD card. I might be happy to have them automatically backed up. However, Google Photos won't actually do that with my existing folder structure. It only works with its own idea of "albums". Basically I have a folder structure that I like, it works for ...
by 28fe6
Sun May 19, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Problems migrating from Samsung photos to Google Photos (long)
Replies: 7
Views: 529

Problems migrating from Samsung photos to Google Photos (long)

I have to start by saying that I don't want my photos uploaded to the cloud. I know this is not typical, but I don't want my pictures being uploaded to Google's servers. I don't want Google's bots analyzing my photos and categorizing my family members. I don't want it on a train, or on a plane, or w...
by 28fe6
Fri May 17, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Guidelines, other than 5/24, for getting approved again?
Replies: 3
Views: 450

Guidelines, other than 5/24, for getting approved again?

For whatever reason I stopped being able to be approved for credit cards about a year ago. For Chase, I know it's because of 5/24. This is unfortunate, because I would like to get an airline card, and the United card is a chase card. I may try to get a card from another airline as a result. For othe...