Search found 3838 matches

by 02nz
Sun May 31, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: worth it to upgrade to Wifi 6 router
Replies: 1
Views: 101

Re: worth it to upgrade to Wifi 6 router

You have to have a better sense of how your network is performing and where the bottleneck is before you can answer that question. Wifi 6 is a relatively modest improvement over Wifi 5, and your devices (e.g., smartphones and laptops) have to support the new standard to take advantage. And Wifi 6 ca...
by 02nz
Sat May 30, 2020 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 5876

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

A service like Mint can be really useful for detecting fraudulent charges. Even just an authorization shows up within hours (as soon as Mint refreshes, typically a few hours a day). I glance at Mint quickly each morning and any suspicious charge is immediately detected.
by 02nz
Sat May 30, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 30
Views: 1405

Re: Fold Flat Seats in a 2019/2020 car

Options I am looking at. Most of the German/Chinese cars will likely be stricken from the list. Approximate prices from low to high. Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision. Volvo. So Land Rovers are Indian cars, and Jeeps are Italian cars? And the Buic...
by 02nz
Sat May 30, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 30
Views: 1405

Re: Fold Flat Seats in a 2019/2020 car

Options I am looking at. Most of the German/Chinese cars will likely be stricken from the list. Approximate prices from low to high. Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision. Volvo. So Land Rovers are Indian cars, and Jeeps are Italian cars? And the Buic...
by 02nz
Sat May 30, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 30
Views: 1405

Re: Fold Flat Seats in a 2019/2020 car

sad2 wrote:
Fri May 29, 2020 10:55 pm
Options I am looking at. Most of the German/Chinese cars will likely be stricken from the list. Approximate prices from low to high.
Which Chinese cars? I know of just one "Chinese" car sold in America - Buick Envision.
by 02nz
Sat May 30, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 30
Views: 1405

Re: Fold Flat Seats in a 2019/2020 car

Honda Element! Rear seats fold flat to the floor or to the sides, or removable altogether. Meets OP's other requirements as well, except that it was last sold in the 2011 model year, so used only.
by 02nz
Sat May 30, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 87
Views: 4993

Re: New Vehicle: Forester or Rav4 for boglehead couple

Just bought a new Jeep..union made right here in the USA .Detroit, MI !!! It too has the engine stop at lights etc..but you can turn it off if you don’t want to conserve energy/gas. As I recall salesman said it was worth 3-5 miles per gallon depending on driving! Your salesman lied. (I know, shocki...
by 02nz
Sat May 30, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 87
Views: 4993

Re: New Vehicle: Forester or Rav4 for boglehead couple

Hybrid vehicles are far Superior in every way than EVs. Only thing EV does better is higher torque at launch giving a jolt and fun to the drivers. I'm a big proponent of hybrids and plug-in hybrids, as they make better use of a currently limited CO2-reducing resource (battery cells) than EVs. But "...
by 02nz
Sat May 30, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 87
Views: 4993

Re: New Vehicle: Forester or Rav4 for boglehead couple

Get the RAV4 hybrid. Toyota's hybrid track record is the best. RAV4 is amazing vehicle. You will get better mileage than Forester. Toyota owns 20% of Subaru, and I think Subaru will be using Toyota hybrid technology moving forward, with a transition to full EV across its lineup by ~ 2035. It alread...
by 02nz
Sat May 30, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out
Replies: 9
Views: 790

Re: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out

The PIN log-in feature they imply is new has been around for a long time. It was available when I bought my current desktop (2014, I think) No, they didn't imply logging in by PIN was new in version 2004. This is what is actually new about it (from Microsoft's website): - Windows Hello is now suppo...
by 02nz
Sat May 30, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out
Replies: 9
Views: 790

Re: Windows 10 May 2020 (Windows 10 version 2004) update is here, slowly rolling out

I've been using version 2004 for a couple of months in the Windows Insider program. I noticed Bluetooth issues on a couple of PCs - devices would disconnect all of a sudden. That appears to have been fixed as I haven't noticed this in the past few weeks.
by 02nz
Sat May 30, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 30
Views: 1810

Re: The risks of using account aggregators (how they access your accounts).

Nothing is entirely risk-free. For me, the risks associated with using a service like Mint are outweighed by the additional security that it gives me by allowing me to see transactions (even just authorizations on credit cards) at a glance and in near real time. A 15-second peek at Mint every mornin...
by 02nz
Sat May 30, 2020 12:40 pm
Forum: Personal Investments
Topic: Update (Single large position in a single stock - Redfin)
Replies: 12
Views: 1873

Re: Update (Single large position in a single stock - Redfin)

If you invested in Redfin in January 2018, you have a small loss (about 3%) as of closing on Friday. Over the same period, the total stock market returned about 16%. An investment in an index fund covering companies like Redfin, e.g., Vanguard Small-Cap Growth Index fund (VBK), would have returned a...
by 02nz
Sat May 30, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 42
Views: 2506

Re: Update current laptop or buy new one?

Typical time to refresh a laptop is every 3-5 years. This rule of thumb must have been created by the same people who buy new $1000 cell phones every year or two. Technology moves pretty fast. My laptop is four years old, and it doesn't have usb-c. If you want to keep up, you need to upgrade. Other...
by 02nz
Sat May 30, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 23
Views: 1275

Re: question about modems & routers

The router part of this probably has a built-in firewall, but you should still use Windows' built-in firewall and antivirus software. And of course your own online hygiene practices (e.g., not opening links from emails unless you know where they go) are important, it isn't just (or even mainly) abo...
by 02nz
Sat May 30, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: iPadOS 13.5 Power Management?
Replies: 2
Views: 213

Re: iPadOS 13.5 Power Management?

Haven't noticed any difference on an iPad Pro 9.7 and iPad Air 3 (10.5).
by 02nz
Sat May 30, 2020 9:45 am
Forum: Personal Investments
Topic: Vanguard Website
Replies: 10
Views: 889

Re: Vanguard Website

I would try a different browser first.
by 02nz
Fri May 29, 2020 9:32 pm
Forum: Personal Investments
Topic: Should we get back into Wellsley and Wellington?
Replies: 14
Views: 1564

Re: Should we get back into Wellsley and Wellington?

Our confidence is returning Is there any reason for this change of mood, besides that the market has been going up since the big drop in March? What will you do when the next big drop comes? I don't know when it's happening, just that every day we get one day closer to it! :wink: What you need isn'...
by 02nz
Fri May 29, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 23
Views: 1275

Re: question about modems & routers

The router part of this probably has a built-in firewall, but you should still use Windows' built-in firewall and antivirus software. And of course your own online hygiene practices (e.g., not opening links from emails unless you know where they go) are important, it isn't just (or even mainly) abou...
by 02nz
Fri May 29, 2020 7:12 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor vs. Local Advisor
Replies: 17
Views: 1237

Re: Vanguard Personal Advisor vs. Local Advisor

Thanks for the corrections and advice. Do you know what kinds of services you would get from VPAS? How would their services would be different from posting your options in the Bogleheads community and getting experts' opinions from this website? Someone said VPAS would provide robo-advisor. Does th...
by 02nz
Fri May 29, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 230
Views: 32056

Re: Car Dealers not really wanting to make a deal

I am RAV4 Prime curious. What's your guesstimate for OTD price? And what is the fed credit expected to be - $7500? Not sure how far Toyota is to 200k ecars I read somewhere $37XXX to start but can't find the source and it almost certainly wasn't official information, as there would be a Toyota pres...
by 02nz
Fri May 29, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 81
Views: 4124

Re: Roth + Time vs Pretax + tax

One thing I'm not sure if it was mentioned is what the future tax rates will be. Who knows what type of government we will have in the future, if tax rates go up, down, or a flat tax is introduced. It's even possible the government decides that 401k taxes will no longer apply at all to encourage re...
by 02nz
Fri May 29, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 28
Views: 1864

Re: New iPhone SE?? has anyone bought and used one?

Upgraded from SE to SE. New one is bigger, not liking the size but no choice. Home button isn't as nice for whatever reason, doesn't "click" the same It's "faster" I guess, but not that noticeable. I only browse the internet on it, what else am I supposed to do? Camera is better, but nothing earth ...
by 02nz
Fri May 29, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 81
Views: 4124

Re: Roth + Time vs Pretax + tax

It’s really hard to know what to do in the 22% tax bracket. Basically, the message I get is “it doesn’t really matter.” A bit confusing but I gather than the difference is minimal. See my post above. Unless you already have a large tax-deferred balance (i.e., withdrawals at 4% will put you into the...
by 02nz
Fri May 29, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 81
Views: 4124

Re: Roth + Time vs Pretax + tax

While individual circumstances matter, unless an investor will have a significant pension in addition to Social Security benefits, it generally works out that most/all of the investor's contributions should be made to tax-deferred accounts if the goal is to maximize after-tax wealth. Isn't it relev...
by 02nz
Thu May 28, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 73
Views: 5680

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

Cost of electricity is the equivalent of $2.50 per gallon (assuming 33 mpg on ICE), whether charging at home or at a Tesla supercharging station ($0.26 per kWh at supercharge station; 29 kWh per 100 miles on Tesla). This varies a lot depending on where you live, but check to see if your utility off...
by 02nz
Thu May 28, 2020 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30875

Re: JPM Chase Reserve Card gets more expensive

Almost sounds too good to be true that Chase would allow one to buy Amazon gift cards with UR points but would be wonderful to find a way to do that. Also, unfortunately, I'm not aware of any grocers in my area that sell Amazon gift cards. All the big supermarkets I've checked carry Amazon gift car...
by 02nz
Thu May 28, 2020 5:37 pm
Forum: Personal Investments
Topic: Pension: Lump Sum vs. Annuity
Replies: 20
Views: 1358

Re: Pension: Lump Sum vs. Annuity

When I plug in 73K and 70-year-old male in CA into immediateannuities.com, I get quoted a payout of $408/mo, suggesting the $464/mo option is better than what the market is offering. But we'd need to look at the rest of the retirement savings/income picture to give more specific advice.
by 02nz
Thu May 28, 2020 5:30 pm
Forum: Investing - Theory, News & General
Topic: This article is scaring me. [Roubini predicting depression]
Replies: 105
Views: 10702

Re: This article is scaring me. [Roubini predicting depression]

Personally, I like the idea of selectively onshoring critical products and services needed for our nation's well being and self defense. Our country must have control of these things and cannot rely on China, Russia or other bad actors for these items. That does not mean we do not continue to trade...
by 02nz
Thu May 28, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: CC Points Extraction...What would you do with 1,000,000 points?
Replies: 18
Views: 1330

Re: CC Points Extraction...What would you do with 1,000,000 points?

Yep, and don't forget to get a bonus when you open your Schwab account. Normally Schwab doesn't offer a bonus unless you get a referral from an current client, but that should be easy to get on the internet if you don't have a friend/family with a Schwab account. It's a $500 offer for bringing in $...
by 02nz
Thu May 28, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: CC Points Extraction...What would you do with 1,000,000 points?
Replies: 18
Views: 1330

Re: CC Points Extraction...What would you do with 1,000,000 points?

Even airline card miles can sometimes be converted into something else you can use. I've converted airline and hotel miles into Best Buy gift cards. At the time, BB would allow use of their gift card to buy other 3rd party gift cards. I'd buy Shell gas cards. Best Buy no longer allows that (and it ...
by 02nz
Thu May 28, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: CC Points Extraction...What would you do with 1,000,000 points?
Replies: 18
Views: 1330

Re: CC Points Extraction...What would you do with 1,000,000 points?

For Chase, you can only get 1 cent each for cash. They do have some deals - like right now they're worth extra if you want to spend them on apple products. Not an awful idea if you need some apple products. My wife and I have about 500k Chase UR though and are just planning on saving them for futur...
by 02nz
Thu May 28, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Buy, Lease or Wait on a new car: Opinions?
Replies: 10
Views: 952

Re: Buy, Lease or Wait on a new car: Opinions?

There are several brands offering 0% financing now. And in principle (don't know yet whether this works out in practice) it should be possible to trade off 0% financing for a better price. This gets repeated on this forum a lot, and a lot of the time it's not true. In some cases a cash incentive ca...
by 02nz
Thu May 28, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 20
Views: 1986

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...
by 02nz
Thu May 28, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Buy, Lease or Wait on a new car: Opinions?
Replies: 10
Views: 952

Re: Buy, Lease or Wait on a new car: Opinions?

The RX is due for a redesign, as it came out in '15 and still rides on a old (pre-TNGA) platform. I would wait. Or maybe consider the upcoming Venza, an earlier version of which was sold here as the RX.
by 02nz
Thu May 28, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1678

Re: Is Capital One 360 bank account OK?

Make sure you get a bonus if you haven't had a Capital One account since 2016: https://www.capitalone.com/score500/ Use the search box - there are threads here that discuss the pros and cons of Capital One. On balance, it's ok. Is it not possible to get another Cap One bonus if you have received on...
by 02nz
Thu May 28, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1678

Re: Is Capital One 360 bank account OK?

Cap One 360 had > 2.0 % a while back and then it steadily slid down to the current 1.3%. You don't realize this is happening unless you check it yourself. I get the feeling this slide down is standard though right now across banks. No real complaints here though, transferring to/from my BofA checki...
by 02nz
Thu May 28, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 20
Views: 1986

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...
by 02nz
Thu May 28, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30875

Re: JPM Chase Reserve Card gets more expensive

simplesimon wrote:
Thu May 28, 2020 11:16 am
I get 5% on groceries using Chase Freedom and transfer the points to UR. I don't see 5% for Sapphire Reserve...is there a link to this?
4X bonus points (5X total) at grocery stores, up to $1500/mo, through end of June:

https://www.chase.com/personal/credit-c ... e-benefits
by 02nz
Thu May 28, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1678

Re: Is Capital One 360 bank account OK?

Make sure you get a bonus if you haven't had a Capital One account since 2016: https://www.capitalone.com/score500/

Use the search box - there are threads here that discuss the pros and cons of Capital One. On balance, it's ok.
by 02nz
Thu May 28, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 22
Views: 1990

Re: What phone to buy after iPhone 7 Plus

Woot (Amazon subsidiary) has the XS Max, new and unlocked, for $700:

https://electronics.woot.com/offers/app ... x-unlocked

Good deal on the biggest-screen OLED iPhone, at same price as the 11, which has a smaller LCD display but one generation newer processor and camera.
by 02nz
Thu May 28, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30875

Re: JPM Chase Reserve Card gets more expensive

Almost sounds too good to be true that Chase would allow one to buy Amazon gift cards with UR points but would be wonderful to find a way to do that. Also, unfortunately, I'm not aware of any grocers in my area that sell Amazon gift cards. All the big supermarkets I've checked carry Amazon gift car...
by 02nz
Thu May 28, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30875

Re: JPM Chase Reserve Card gets more expensive

Big news - through Sep 30 you can redeem Ultimate Rewards points at the travel portal rates (1.5 cent/point for Reserve, 1.25 cent/point for Preferred) for statement credits of purchases at grocery stores, dining (incl. delivery/takeout), and home improvement. From June 1 until the end of the year,...
by 02nz
Thu May 28, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Chase Ultimate Rewards points?
Replies: 20
Views: 1986

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 (in...
by 02nz
Thu May 28, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30875

Re: JPM Chase Reserve Card gets more expensive

Big news - through Sep 30 you can redeem Ultimate Rewards points at the travel portal rates (1.5 cent/point for Reserve, 1.25 cent/point for Preferred) for statement credits of purchases at grocery stores, dining (incl. delivery/takeout), and home improvement. From June 1 until the end of the year, ...
by 02nz
Wed May 27, 2020 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can we offer special discount to thank/honor medical professionals?
Replies: 11
Views: 1384

Re: Can we offer special discount to thank/honor medical professionals?

Don't try to use your charitable giving as a marketing tool in your advertisement. Have the same agreement for all tenants. The if you decide to show your thanks to any tenants that are medical professionals, then gift them up to $15k per year. Along these lines, I would separate charitable giving ...
by 02nz
Wed May 27, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12496

Re: Pandemic buys that have improved quality of life?

czeckers wrote:
Wed May 27, 2020 12:42 pm
Toilet paper 😃
A bidet. :happy Actually we bought one before the pandemic, but it sure improved quality of life at least a little not to stress over whether the store had toilet paper or not!
by 02nz
Wed May 27, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance to a 20 Year Mortgage 2.875%
Replies: 16
Views: 1157

Re: Should I Refinance to a 20 Year Mortgage 2.875%

You should be able to get a lender credit that covers the closing cost, in exchange for a slightly higher rate, but still lower than your current mortgage. That way you don't have a break-even period relative to your current loan. This is a good way to refinance esp. when rates are falling - maybe 6...
by 02nz
Wed May 27, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - Background colors always changing
Replies: 4
Views: 198

Re: Windows 10 - Background colors always changing

Right click on your desktop, then Personalize. Is the Background set to slide show?
by 02nz
Wed May 27, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2464

Re: New TVs with built-in Roku

My brother just spent $4k on an OLED, I spent $400 on a TCL almost 5yrs ago and I really see no difference. Maybe if I was watching them side-by-side in a totally dark room, and it was a sporting event I could tell the difference, but it doesn't really change the experience for me (at least not to ...