Search found 2336 matches

by 02nz
Tue Nov 12, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 13
Views: 760

Re: acura rdx or mercedes glc300 small luxury suv

Helo80 wrote:
Tue Nov 12, 2019 8:48 pm
Nobody beats the Germans in terms of fun cars to drive unless you get into exotics.
Maybe BMW and esp. Porsche. But fun to drive isn't a reason anyone buys a Mercedes, least of all a crossover.
by 02nz
Tue Nov 12, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 13
Views: 760

Re: acura rdx or mercedes glc300 small luxury suv

We had a '16 GLC (current design, except that the 2020 has a newer infotainment system). Nice car, but ride and build quality did not measure up to our other car, a Porsche Macan, and of course in fun to drive it wasn't even remotely in the same league. I haven't driven the new RDX but would choose ...
by 02nz
Tue Nov 12, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Setting up a new android phone
Replies: 5
Views: 298

Re: Setting up a new android phone

Swipe down from top of your screen to bring up the quick settings, there should be a Bluetooth icon, click on it for the Bluetooth settings. Then put your speaker in pairing mode and it should show up on the phone.
by 02nz
Mon Nov 11, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1210

Re: Hi Def Audio listening

Marantz (like many other manufacturers) makes receivers that can connect to streaming services. But that requires connecting to passive (unpowered) speakers, as in a traditional stereo setup. If you're really into hi-fi, that's the route to go. (And the quality of the speakers will generally make mu...
by 02nz
Sun Nov 10, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 19
Views: 1290

Re: Kindle/Paperwhite -E Reader

eBay prices on used ones tend to drop when Amazon has a sale on the new ones, so whether you plan to buy new or used it makes sense to wait for Black Friday. Amazon always puts its own devices on sale during Black Friday, Prime Day, etc., it's a sure bet. BTW I'd go for the "ads on lock screen" vers...
by 02nz
Sat Nov 09, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Xfinity mobile: sf bay area
Replies: 8
Views: 568

Re: Xfinity mobile: sf bay area

It runs on Verizon so coverage should be same. There may be some de-prioritization. They had $250 gift card deals on the new iPhones last month, maybe there'll be something similar for Black Friday.
by 02nz
Sat Nov 09, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: All in one vacuum/hard wood floor cleaners - worth it?
Replies: 5
Views: 395

Re: All in one vacuum/hard wood floor cleaners - worth it?

The iRobot Braava 380T has worked great for us on hard floors. Thank you! How does it know to avoid the carpeted areas? We have a robot vac and it’s great, would very much like a wet solution as well. It seems quite good at sensing carpeted areas and not trying to go onto carpets. There's only one ...
by 02nz
Sat Nov 09, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: All in one vacuum/hard wood floor cleaners - worth it?
Replies: 5
Views: 395

Re: All in one vacuum/hard wood floor cleaners - worth it?

The iRobot Braava 380T has worked great for us on hard floors.
by 02nz
Sat Nov 09, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: Turbotax 2019 on Amazon

BTW if you have Prime slow shipping credits, they can be used for the digital download version. Wow, that is useful information. I've never found anything that I could apply those credits for so I stopped bothering. This page doesn't mention digital software downloads as the type of item that you c...
by 02nz
Fri Nov 08, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: Turbotax 2019 on Amazon

BTW if you have Prime slow shipping credits, they can be used for the digital download version.
by 02nz
Fri Nov 08, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: TurboTax- Always Popular

It says "limited time" but $69.99 for Premier is pretty much the normal "sale" price. It will definitely go lower during the Black Friday deals. You might as well wait as large parts of the software remain non-functional as some forms still need to be finalized and so TurboTax will receive many upd...
by 02nz
Fri Nov 08, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: TurboTax- Always Popular

HueyLD wrote:
Fri Nov 08, 2019 11:34 am
Does that include a state?
Premier includes one state of your choice but not e-file for state (e-file is included for federal). At least that's how it's always been.
by 02nz
Fri Nov 08, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: TurboTax- Always Popular

It says "limited time" but $69.99 for Premier is pretty much the normal "sale" price. It will definitely go lower during the Black Friday deals. You might as well wait as large parts of the software remain non-functional as some forms still need to be finalized and so TurboTax will receive many upda...
by 02nz
Fri Nov 08, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8599

Re: Apple iPhone iOS 13 Discussion

Apple just released iOS 13.2.2. iOS 13 clearly has a lot of bugs that needed fixing. "Bugs" have been around since the beginning of software. They aren't going away. What's changed is now we have the technology to reliably put out updates quickly over the air. In the past those bugs might not have ...
by 02nz
Fri Nov 08, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8599

Re: Apple iPhone iOS 13 Discussion

Apple just released iOS 13.2.2. iOS 13 clearly has a lot of bugs that needed fixing.
by 02nz
Thu Nov 07, 2019 10:58 pm
Forum: Personal Investments
Topic: TSP Contributions - Retiring Mid Year
Replies: 16
Views: 1070

Re: TSP Contributions - Retiring Mid Year

But it sounds like you're not 100% sure yet? I wouldn't change TSP contributions until you're sure. If you change contributions to max contributions in August but later decide to retire in October, for example, you will lose the 4% agency matching (and receive only the 1% agency automatic) between A...
by 02nz
Thu Nov 07, 2019 10:13 am
Forum: Personal Investments
Topic: Chase YouInvest
Replies: 14
Views: 922

Re: Chase YouInvest

I have $75,000 that I need to invest in the best way for the next 90 days and then I will remove the money from this account. Better read the fine print. You qualify for the promo by holding the funds for 90 days but there is (IIRC from when I read the fine print of a similar prior offer) a longer ...
by 02nz
Thu Nov 07, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: OLED v LCD Smartphone Display
Replies: 3
Views: 262

Re: OLED v LCD Smartphone Display

Well if you can't tell much of a difference, there's your answer. I've used a OLED phones for more than a year (XS and now 11 Pro), and I do notice a difference. Particularly at the edges, the XR/11 display shows a little bit of a "haze" (for lack of a better term), whereas the OLED is perfectly cri...
by 02nz
Wed Nov 06, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: 72t withdrawals and new contributions
Replies: 15
Views: 855

Re: 72t withdrawals and new contributions

Money is fungible. As long as you have enough earned income you can contribute to an IRA. But I agree that with time to plan it’s better to do a Roth conversion ladder.
by 02nz
Tue Nov 05, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2288

Re: Stinky Front Loader (Washer)

Leesbro63 wrote:
Tue Nov 05, 2019 1:30 pm
02nz wrote:
Tue Nov 05, 2019 10:23 am
Does yours have a tub clean cycle? I run it with bleach (on my LG front-loader) and that seems to be effective.
Mine is also an LG. How often do you do this?
Maybe once every few months, not sure what the manual recommends.
by 02nz
Tue Nov 05, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2288

Re: Stinky Front Loader (Washer)

Does yours have a tub clean cycle? I run it with bleach (on my LG front-loader) and that seems to be effective.
by 02nz
Mon Nov 04, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

OP, check to see if Total Wine is in your area. By far the best selection/price of any chain liquor retailer I've seen.
by 02nz
Mon Nov 04, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: kia soul ex for a senior
Replies: 8
Views: 967

Re: kia soul ex for a senior

I like the looks of redesigned 2020 model and can see its appeal for seniors - higher seating position for better visibility and ease of entry/exit, but compact and easy to park. Reviews say the 2020 drives a lot better than the '19, so I wouldn't be tempted by closeout deals on the old model.
by 02nz
Mon Nov 04, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: [Upgrading from an AT&T iPhone 6]
Replies: 15
Views: 747

Re: iPhone

Either get a 6S (which is a dramatic jump in speed and responsiveness over the 6), or the 11. In addition to Face ID, the 11 will also have a way better camera, bigger screen, and much better battery life (assuming both batteries are in same condition). Not a huge perceivable difference in speed bet...
by 02nz
Sun Nov 03, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1643

Re: Cell phone service

Red Pocket is good and offers a choice of any of the 4 carriers. But their highest plan on Verizon is 2GB (throttled thereafter). There’s a 5GB plan that works on Sprint or ATT. Or go with Mint which is on TMo and offers a 3GB plan.
by 02nz
Sun Nov 03, 2019 9:21 am
Forum: Personal Investments
Topic: Does Merrill Edge offer target date index funds?
Replies: 6
Views: 506

Re: Does Merrill Edge offer target date index funds?

Merrill Edge is a discount brokerage service. Like others it doesn't offer its own funds. You do have access to Vanguard and others' mutual funds, but you'll pay a transaction fee with most if not all of them. ETFs are generally the way to go with a service like Merrill Edge, esp if you have a certa...
by 02nz
Sun Nov 03, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 785

Re: Networking Equipment Question

Orbi is consumer gear. For the application you describe, Ubiquiti's Unifi with Ethernet backhaul is the way to go. Do it right or do it again later. https://arstechnica.com/gadgets/2015/10/review-ubiquiti-unifi-made-me-realize-how-terrible-consumer-wi-fi-gear-is/ I appreciate your feedback but your...
by 02nz
Sun Nov 03, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 785

Re: Networking Equipment Question

Orbi is consumer gear. For the application you describe, Ubiquiti's Unifi with Ethernet backhaul is the way to go. Do it right or do it again later.

https://arstechnica.com/gadgets/2015/10 ... i-gear-is/
by 02nz
Sun Nov 03, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1489

Re: Alternative to Spectrum Cable Internet

I'm also being extorted by Spectrum. No alternatives for me, I don't even have a copper POTS line anymore. For those that cancel and re-sub with Spectrum can you offer any advice? Do you cancel on a Tuesday and sign up again on Wednesday? Do you have to time your cancellation to line up with your b...
by 02nz
Sat Nov 02, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1489

Re: Alternative to Spectrum Cable Internet

Have you checked their deals for existing customers on their website? We also seem to get flyers in the mail every three months or so for new customers. When dropping existing service, and applying as a new customer, it's good to look at these deals first. One related trick is to use a different in...
by 02nz
Sat Nov 02, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1489

Re: Alternative to Spectrum Cable Internet

Whether there are reasonable alternatives vary a lot by area. Where I live Spectrum is the only provider of residential high-speed internet, so if you're in a similar situation then you don't really have a choice. However, I have gotten better pricing by simply canceling and signing up as a new cust...
by 02nz
Sat Nov 02, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

Part of the issue is that the USD is strong. For semi-dry I normally look to Germany, Austria and Alsace. You should be able to find something under $20. A $15 cut-off is more challenging unless a store is running a special. The strong US dollar should make imported wines less expensive, no? German...
by 02nz
Sat Nov 02, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

Dr Loosen Riesling “L” fits your criteria and is typically around $12, widely available at supermarkets and wine stores. The same winery also makes a “Blue Slate” Riesling with a similar profile, I think the difference is the latter is made from their own grapes while L is from purchased grapes. Blu...
by 02nz
Fri Nov 01, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1975

Re: 40th Anniversary Travel Ideas

SO has been interested to visit Dresden for some time, will have to take a closer look again based on your positive comments. We had targeted a winter trip, but given its northern location I think we were concerned about the short days. I first visited Dresden in 2000 and the transformation is rema...
by 02nz
Fri Nov 01, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1975

Re: 40th Anniversary Travel Ideas

dm200 wrote:
Fri Nov 01, 2019 12:27 pm
Consider/evaluate Russia.
St Petersburg and Moscow are wonderful, but visas are a nightmare.
by 02nz
Fri Nov 01, 2019 7:19 am
Forum: Personal Investments
Topic: Maxing out 401k with percentage of income
Replies: 14
Views: 1119

Re: Maxing out 401k with percentage of income

I would not go over the limit - aside from interest it's a hassle you don't need. Most payroll systems probably won't even let you go over the limit. Figure a percentage that will get you close enough to maxing - it's not really going to matter whether you contribute $18,800 or $19,000. Or adjust as...
by 02nz
Thu Oct 31, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1975

Re: 40th Anniversary Travel Ideas

I like the Berlin-Dresden idea. Some of the greatest museums in Europe in those two cities. And for anyone with an interest in history, Berlin is unmissable. Vienna and Munich are two other possibilities, also with superb museums and good food. They are prettier than Berlin - there was less wartime ...
by 02nz
Thu Oct 31, 2019 11:48 am
Forum: Personal Investments
Topic: opinion, IA upset moving assets to Vanguard
Replies: 26
Views: 1932

Re: opinion, IA upset moving assets to Vanguard

Suggest you move it and end your relationship with IA. You can use Vanguard’s Portfolio Advisory Service (VPAS) for 0.3% fee to help transition your stocks to new holdings according to your asset allocation. Once transitioned, you can always end the VPAS and DIY. Small niggle: PAS stands for Person...
by 02nz
Wed Oct 30, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4298

Re: New Computer with or without SSD?

None taken and that may be true, but if the makers of Windows 7, or any other system, released a product with so many problems, they should be held liable. Cars get recalls a few times during their lifespan, but if they were subject to as many as these software products, there would be an uproar. T...
by 02nz
Wed Oct 30, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 67
Views: 11492

Re: New era for TSP "I" Fund?

I don’t see why it’s any business of politicians how federal employees invest their own money, of course within rules that apply to everyone else.
by 02nz
Wed Oct 30, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4298

Re: New Computer with or without SSD?

None taken and that may be true, but if the makers of Windows 7, or any other system, released a product with so many problems, they should be held liable. Cars get recalls a few times during their lifespan, but if they were subject to as many as these software products, there would be an uproar. Y...
by 02nz
Wed Oct 30, 2019 8:35 am
Forum: Personal Investments
Topic: BoA Platinum Honors: Transfer Question (from Fidelity and Vanguard)
Replies: 8
Views: 732

Re: BoA Platinum Honors: Transfer Question (from Fidelity and Vanguard)

I did this several months ago from Vanguard to ME. Agree converting to ETFs first at Vanguard is a good idea. It is a non taxable event but is one direction only (you cannot concert back into mutual funds without selling).
by 02nz
Wed Oct 30, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4298

Re: New Computer with or without SSD?

With the end of support for Windows 7 coming in January What support do you need? Security patches. Of all the billions of computers out there, how would anybody know mine was missing said patches, let alone that there is anything worthwhile to steal? No offense intended but it is apparent you have...
by 02nz
Tue Oct 29, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: AmEx rewards vs cash back cards, which is best
Replies: 9
Views: 422

Re: AmEx rewards vs cash back cards, which is best

There’s no one consensus, it depends on what you would do w/ MR points. Getting the most value takes some work and varies by your travel patterns and desired redemptions.
by 02nz
Tue Oct 29, 2019 9:01 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4370

Re: No more Vanguard... wow

not sure how Fidelity pulled this off Maybe this is how they pulled it off: https://www.npr.org/2019/08/14/750918282/mit-accused-of-costing-workers-millions-in-cozy-deal-with-financial-giant-fideli I agree though that as long as you have low-cost options you're fine. Probably even better off than w...
by 02nz
Tue Oct 29, 2019 8:21 am
Forum: Personal Investments
Topic: 403b/457b protected from creditors?
Replies: 10
Views: 689

Re: 403b/457b protected from creditors?

See this, looks like CA has limited protection other than "private retirement accounts", whatever that means. https://gassmanlaw.com/wp-content/uploads/2014/07/50-State-Chart-by-Ed-Morrow.pdf Get the umbrella, it is SWAN protection for not much money. Not sure how to do it without car coverage, I w...
by 02nz
Tue Oct 29, 2019 7:42 am
Forum: Investing - Theory, News & General
Topic: CapOne CD Rates HIGHER for 1 year VS. 5 year
Replies: 13
Views: 1266

Re: CapOne CD Rates HIGHER for 1 year VS. 5 year

Aren't CD Rates typically higher the longer the time horizon? Why would CapOne offer a five year CD Rate that is less than the one year rate, and even three year rate????? You might do a Google search for "inverted yield curve". Basically, Fed acted too quickly in raising interest rates. Some peopl...
by 02nz
Tue Oct 29, 2019 4:59 am
Forum: Personal Investments
Topic: Got Finances in Order, ready to begin investing?
Replies: 22
Views: 1604

Re: Got Finances in Order, ready to begin investing?

Kudos on your progress but agree that paying off debt comes before starting a Roth IRA. Also you should only put enough into the 401k to get the full employer match, not a cent more. Every available cent needs to go paying off debt. You have a low fed tax rate and no state income tax, so the tax def...
by 02nz
Mon Oct 28, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5599

Re: Uber VISA rewards cut

(Bolding mine) I have this card on the way and this caught my eye. I double-checked the BoA website, and there is indeed a 3% foreign transaction fee for this card. I should have specified better: the card I am referring to for "everything else" is the Bank of America® Travel Rewards. It has no for...
by 02nz
Mon Oct 28, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 72
Views: 5599

Re: Uber VISA rewards cut

I used to own the Uber card but then ditched it for Bank of America. Get a few BOA Cash rewards card and get to their platinum level by parking 100k in Merrill Edge (free transactions and all Vanguard ETFs available, I use it as a second brokerage for diversification). I currently enjoy, with four ...