Search found 5477 matches

by 02nz
Sun Sep 20, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 32
Views: 1411

Re: Chase Freedom to Freedom Unlimited on Credit history

Just applied for this card online (already have both other Freedom variants). My other cards with Chase have around $50K credit limit combined, and on the Flex Chase approved me for $500! Thankfully it was easy to call in and have them move credit limits around so I have more on the Flex.
by 02nz
Sun Sep 20, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 9
Views: 766

Re: Which used hatchback to choose?

I'd also add the Scion/Toyota Corolla iM and Mazda3 to that list.
by 02nz
Sun Sep 20, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: How to maximize savings at BOA
Replies: 16
Views: 1265

Re: How to maximize savings at BOA

I get 2% back on every single purchase on my Alliant credit card, no "choice of categories". Exactly how many $$ are you getting back for your 5.25% category purchases (don't spend to earn points!), and what is the percent interest from $100k that they are squatting on earning nothing? Yes, interes...
by 02nz
Sat Sep 19, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: bought upright Steinway "festival piano" sight unseen
Replies: 12
Views: 1240

Re: bought upright Steinway "festival piano" sight unseen

$30K for an upright is nuts. You're paying a lot for the Steinway name. Even the best upright is inferior (in sound and action) to a decent grand piano. I would look into a grand piano, if there's space to accommodate one. Check Fine's book for reviews - Yamaha and Schimmel are two good-value brands...
by 02nz
Sat Sep 19, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Which snow tires for serious snow commuting?
Replies: 29
Views: 1482

Re: Which snow tires for serious snow commuting?

Blizzaks and the like are fine for ho hum winter driving. You'd want Nokians for serious winter driving. I would think the Soul would be a horrible winter vehicle. It's low and one wheel drive. I've driven an 09 Fusion with Dunlop snows and been caught in snowstorms (would have taken my Jeep if I p...
by 02nz
Wed Sep 16, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Web-Cam
Replies: 18
Views: 1133

Re: Web-Cam

As others have noted webcams are in short supply right now. On Best Buy's website, you can set an in-stock alert (email). Make sure you buy as soon as you get the email. Or try other sources like Office Depot, which may be a better bet as most people think of Amazon or Best Buy first when they look ...
by 02nz
Mon Sep 14, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I surrender my kids' insurance policies?
Replies: 13
Views: 1128

Re: Should I surrender my kids' insurance policies?

Don't mix insurance and investment - it's a surefire way to overpay for complex products you don't need. So, yes, get rid of them and invest the money in line with your overall investment plan.
by 02nz
Sun Sep 13, 2020 7:51 pm
Forum: Personal Investments
Topic: Chasing CD rates.
Replies: 9
Views: 1190

Re: Chasing CD rates.

Your figures are off by 10x! Marcus CD rates are around 0.8% not 0.08.
by 02nz
Sun Sep 13, 2020 7:23 pm
Forum: Personal Investments
Topic: Vanguard's Roth IRA?
Replies: 9
Views: 931

Re: Vanguard's Roth IRA?

Ok, so let's say I quit my job. For 1 year, I don't have any employee income. But after that 1 year, I get another job. So for 1 year, I cannot contribute to the Roth IRA but when I get a job again, I can continue contributing to that some account? If you have zero earned income in that calendar ye...
by 02nz
Sun Sep 13, 2020 7:21 pm
Forum: Personal Investments
Topic: Vanguard's Roth IRA?
Replies: 9
Views: 931

Re: Vanguard's Roth IRA?

As for "how will anyone know," Vanguard, Fidelity, or any other Roth IRA custodian does NOT know or care about your income. All they do is take your contribution and report it to the IRS. So yes, the IRS will eventually figure it out if you have no earned income in a calendar year but make IRA contr...
by 02nz
Sun Sep 13, 2020 6:52 pm
Forum: Personal Investments
Topic: Vanguard's Roth IRA?
Replies: 9
Views: 931

Re: Vanguard's Roth IRA?

For Roth IRA, to be able to make contributions, is the employer supposed to be the one to directly deposit that money? Also, if you are allowed to create an index fund within your Roth IRA, will a 40 year old be able to contribute more than $6,000 so that it can go to the index fund? An employer ne...
by 02nz
Sun Sep 13, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate post-retirement income tax?
Replies: 21
Views: 1933

Re: How do you estimate post-retirement income tax?

You could use TaxCaster (https://turbotax.intuit.com/tax-tools/calculators/taxcaster/) to get a quick idea. As others have pointed out, Social Security is not taxed the same as other income (like pension payments or IRA distributions). Also, note that the calculation to determine how much of SS inc...
by 02nz
Sun Sep 13, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1761

Re: bare-bones phone and cheapest prepaid plan for a kid

Someone just mentioned Red Pocket, which I haven't tried yet. (There is a Sprint plan that's even less) The Sprint plan (200 MB, 200 minutes, 1000 texts) is here: https://www.ebay.com/itm/2-50-Mo-Red-Pocket-Prepaid-Plan-CDMAS-200-Talk-1000-Text-200MB/133196831828. Those amounts are per MONTH, and t...
by 02nz
Sun Sep 13, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How do you estimate post-retirement income tax?
Replies: 21
Views: 1933

Re: How do you estimate post-retirement income tax?

You could use TaxCaster (https://turbotax.intuit.com/tax-tools/calculators/taxcaster/) to get a quick idea. As others have pointed out, Social Security is not taxed the same as other income (like pension payments or IRA distributions). Also, note that the calculation to determine how much of SS inco...
by 02nz
Fri Sep 11, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4231

Re: Repair plasma television or get new TV?

I wish I had never downgraded my plasma.... I still have it in another room and it's FAR better than the OLED. Your never going to repair it but don't expect a better picture from OLED. With respect, because I loved my plasma screens also, but I think you posted with your heart rather than your eye...
by 02nz
Wed Sep 09, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4231

Re: Repair plasma television or get new TV?

You can buy a 50” LED 4K TCL for $248. You can get a 50” 4K LED Samsung for about $300. Time to say goodbye to the plasma. OP values plasma's deep blacks. Budget LCDs will have much poorer blacks, especially as they don't have the advanced local dimming features that give more expensive LCD TVs bet...
by 02nz
Wed Sep 09, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4231

Re: Repair plasma television or get new TV?

OLEDs in the sub-60 range seem to sell for $1500, which is a hefty price tag. We can afford it, but I didn't want to upgrade now as I think OLED has a lot of room to increase in quality while decreasing in price in coming years. OLED picture quality is outstanding and year over year improvements ar...
by 02nz
Mon Sep 07, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2508

Re: New Computer Setup for Photoshop

Clock speed/gigahertz is pretty irrelevant these days. Some CPUs at 1 GHz are much faster than others at 3 GHz. I would look for a Ryzen 3000 series (4000 desktop chips aren't really widely available yet), or Intel Core i5/i7, preferably with 6 cores. SSD is a must, and cheap enough that I wouldn't ...
by 02nz
Mon Sep 07, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3347

Re: Need some advice for buying my first flat screen TV.

... If you want to talk $3k ~$1200 and up sure there's a ton of differences that I doubt most people on this forum could even see. There I fixed it for you :happy It's easy to find a 55 inch LG OLED for around $1200 on sale and the difference in picture quality is quite large. Where differences sta...
by 02nz
Mon Sep 07, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 61
Views: 3347

Re: Need some advice for buying my first flat screen TV.

The difference between a $500 vs $1000 tv is how many settings you can change, usually the panel is the same between price points. This isn't generally true. It may well be that a $500 and $650 model have the same panel. But $500 vs $1000? There are definitely differences in the panel quality, such...
by 02nz
Sat Sep 05, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: Cell phone plan unlimited phone and text, very little data
Replies: 22
Views: 1315

Re: Cell phone plan unlimited phone and text, very little data

I'm surprised nobody mentioned Google's Project Fi Service. This is hands-down the best service for anyone who travels internationally a lot. This service is especially great if you don't use much data because the base price for unlimited talk/text is only $20/month. The data is a bit pricey at $10...
by 02nz
Sat Sep 05, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Durable Couch Recommendations
Replies: 13
Views: 1140

Re: Durable Couch Recommendations

For (mostly) American-made, high-quality furniture, including many couches, IMHO it's hard to beat Room & Board. Many (most?) of their couches are made by American Leather, I think. Not cheap, but good value. With some exceptions (brands that have coordinated pricing across all retailers), they don'...
by 02nz
Wed Sep 02, 2020 12:11 am
Forum: Personal Investments
Topic: Boglehead-friendly videos on youtube?
Replies: 5
Views: 396

Re: Boglehead-friendly videos on youtube?

Ben Felix’s YouTube videos are excellent and very Boglehead-y.
by 02nz
Tue Sep 01, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Simple (non-slip) case for iphone 11 pro max
Replies: 10
Views: 393

Re: Simple (non-slip) case for iphone 11 pro max

I've used the Spigen Liquid Air Armor on several iPhones now, and it's exactly what you're looking for - thin, grippy (but not so much so that you'll have a hard time slipping it in or out of your pocket). Search Amazon for B07T5WZYDX for the one that fits the 11 Pro Max.
by 02nz
Mon Aug 31, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4442

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot le...
by 02nz
Sun Aug 30, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4442

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot le...
by 02nz
Sun Aug 30, 2020 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4442

Re: What do Americans really do about cable and homeowners insurance?

I just did this yesterday for internet. When the year of "new customer" pricing is up, I set up a disconnect. Then I use my phone (not home wifi) to sign up for new service. About an hour of work (and interruption in service) total, so I pay $30/mo for internet instead of $66. Since I make a lot les...
by 02nz
Fri Aug 28, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3687

Re: Wifi speaker for streaming music.

Your budget is a problem. Maybe sell some stock and buy a pair of KEF LS50W's. LOL, I think recommending speakers 10X the price of the stated budget is a problem. :P I bought the LS50 Wireless and returned them late last year. Great sound, truly horrendous, almost unusable app. And you have to use ...
by 02nz
Tue Aug 25, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Wifi speaker for streaming music.
Replies: 58
Views: 3687

Re: Wifi speaker for streaming music.

Right now I would like to have a wifi speaker to stream music from a service. It needs to be simple and easy to setup. I am unsure how these things actually work. Do you need to have a device ( phone, tablet, computer etc) that receives the music files and sends to the speaker or does music data go...
by 02nz
Tue Aug 25, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 14282

Re: charging an EV

hybrid. look at camry or highlander. accomplishes what you need to accomplish A hybrid is certainly a great option. It would reduce pollution, a states goal of the OP. But if you concern is reducing your carbon footprint, I would not by a 7 passenger vehicle unless absolutely necessary. Whether EV ...
by 02nz
Mon Aug 24, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 14282

Re: charging an EV

hybrid. look at camry or highlander. accomplishes what you need to accomplish A hybrid is certainly a great option. It would reduce pollution, a states goal of the OP. But if you concern is reducing your carbon footprint, I would not by a 7 passenger vehicle unless absolutely necessary. Whether EV ...
by 02nz
Sun Aug 23, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 9700

Re: A Plea for Ordinary English

The language should be no more or less advanced than necessary to convey the intended meaning.

No one knows all the terms and we all had to start somewhere. I think most posters are good about giving advice that's suitable to the poster's (especially if a newbie) level of knowledge.
by 02nz
Sun Aug 23, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Data in the cloud?
Replies: 27
Views: 1369

Re: Data in the cloud?

TheTimeLord wrote: Sun Aug 23, 2020 9:03 am Why not use Microsoft OneDrive? I am assuming you will be getting/have an Office 365 license.
+1, OneDrive is well-integrated with Office and Windows (and there are good iOS/Android apps as well). There's a "Personal Vault" feature to secure sensitive files with encryption.
by 02nz
Sat Aug 22, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 166
Views: 10826

Re: PSA: switch to LED light bulbs and save hundreds per year

Have never found a replacement for incandescents that is as soft and gentle. Do a little bit of shopping among LED bulbs. Some of them how have very good color rendering indexes. Much, much better than compact fluorescents. You can start simply by checking the color temperature. The cooler ones hav...
by 02nz
Sat Aug 22, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14670

Re: Stage 4 Cancer and Young Family

OP, I don't have anything to add to the good advice already given here, but wish you and your family strength and peace.
by 02nz
Sat Aug 22, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: car comparison website
Replies: 1
Views: 219

Re: car comparison website

Packages are specific to each trim of a model, I'm not aware of any site that lets you compare with that level of granularity. You'll need to look at options/packages on the manufacturer's sites.
by 02nz
Sat Aug 22, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: single women retirement suggestions
Replies: 62
Views: 5230

Re: single women retirement suggestions

I would not consider Thailand politically stable: https://www.cnbc.com/2019/08/20/why-doe ... coups.html
by 02nz
Fri Aug 21, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

mega317 wrote: Thu Aug 20, 2020 11:58 pm I don’t want to be the first to say the magic boglehead word, I’ll just ask why they need Windows specifically.
Not aware of any 17-in Chromebooks.
by 02nz
Thu Aug 20, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

Razer Blade Pro 17 or ThinkPad P73. At that size a sub-par screen would really bother me so would usually go up in spec above the base monitor. Build quality would be a bit more important as well since a cheaply made 17 inch chassis will have noticeably more flex than an equivalent 15, 14, or 13 in...
by 02nz
Mon Aug 17, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 4999

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

Good to know. They also offer a 0.1% boost on their savings account for AARP members, so currently 0.9%, for AARP members for 2 years.
by 02nz
Sun Aug 16, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

Razer Blade Pro 17 or ThinkPad P73. At that size a sub-par screen would really bother me so would usually go up in spec above the base monitor. Build quality would be a bit more important as well since a cheaply made 17 inch chassis will have noticeably more flex than an equivalent 15, 14, or 13 in...
by 02nz
Sun Aug 16, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 114
Views: 8284

Re: Car shopping PHEV / ICE / or all electric?

I know tesla fans will hate me for saying this, but stick with ice especially if you plan to do long distance driving OR dont have a car charger where you live. Hybrid is a waste of money. Electric Vehicle is a PITA when it comes to charging esp long distance travel. (ICE takes 5 min to charge from...
by 02nz
Sun Aug 16, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bunch Tax Def Withdrawals to minimize tax on SS
Replies: 19
Views: 857

Re: Bunch Tax Def Withdrawals to minimize tax on SS

My quick and dirty calculation using TaxCaster shows bunching does NOT make sense. Assuming married, both 70, $40K in SS and $37K in IRA distributions, the federal income tax liability is $2861 (for 2019). Bunching - so $74K in IRA distributions - raises that to $9543 (and in the "off" year when you...
by 02nz
Sun Aug 16, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

Lenovo 17" 699 More than enough computing power. :mrgreen: https://www.amazon.com/2019-Newest-Lenovo-IdeaPad-L340/dp/B088Q5CJFL/ref=sr_1_1?dchild=1&keywords=lenovo&qid=1597618663&refinements=p_72%3A1248879011%2Cp_85%3A2470955011%2Cp_n_size_browse-bin%3A7817234011&rnid=2242797011&rps=1&s=electronics...
by 02nz
Sun Aug 16, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 748

Re: Reimbursed Mileage IRS / Issue

You cannot claim mileage expenses for traveling between home and work. Maybe there's a COVID exception I'm not aware of, but doubtful.
by 02nz
Sun Aug 16, 2020 4:35 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 7880

Re: Talk me out of Covid 19 timing

"Talk me out of ..." threads should be banned.

OP, read the wiki, and then if you still want to do it, go ahead. Then let us know how it goes. It'll be a good lesson for others and for yourself. And compared to say college tuition it won't be that expensive a lesson. Probably.
by 02nz
Sun Aug 16, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy in the SF Bay Area
Replies: 22
Views: 2056

Re: Rent or Buy in the SF Bay Area

I'm no expert on Bay Area housing, but I have read that inventory has gone way up as many tech workers no longer need to live in a particular location. That should put downward pressure on housing prices. Hard to predict the future, but it wouldn't surprise me if prices were significantly lower a y...
by 02nz
Sun Aug 16, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

Just saw this 17-in HP on SlickDeals: https://slickdeals.net/f/14275667-hp-17 ... =catpagev2

That's a last-gen Ryzen processor but still perfectly capable, IPS display, good buy at this price ($440).
by 02nz
Sun Aug 16, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: PC Laptop Recommendations
Replies: 25
Views: 1818

Re: PC Laptop Recommendations

I believe my friend wants at least a 17". Him and his wife are seniors so I wonder if the bigger screen would be easier for their eyes. Unless they need a discrete GPU, I suggest the LG Gram 17. It's well reviewed, well made, thin and light, and it's on sale for Costco members right now. That said,...