Search found 94 matches

by mtwhmemn
Sat Sep 28, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Wheel Alignment?
Replies: 18
Views: 1455

Re: Wheel Alignment?

If you're not driving a high-mileage vehicle that needs other work and the tires are wearing even, its not needed. Although they usually "check" for free and then try to up-sell you one. Another reason to buy tires from Costco. They cannot do alignments, so they don't try to upsell one to you. :) A...
by mtwhmemn
Tue Sep 17, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 1903

Re: Mustang...GT or Ecoboost?

Won't CarMax get you a car and allow you to return it if not satisfied? If you are going to surprise her with it maybe that is a solution. A couple days into "pre-ownership" you could change your mind. Yes, I think so. I know Carvana hwas a 7 day return policy, so I was strongly leaning towards usi...
by mtwhmemn
Tue Sep 17, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 1903

Re: Mustang...GT or Ecoboost?

Won't CarMax get you a car and allow you to return it if not satisfied? If you are going to surprise her with it maybe that is a solution. A couple days into "pre-ownership" you could change your mind.
by mtwhmemn
Sun Sep 15, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 8827

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Look at mintmobile.com Each 3GB line is $15 per month TOTAL prepaid. Each 8GB line is $20 per month TOTAL prepaid. My wife and I have used it for around 9 months now and have had zero problems. (Mint use T-Mobile towers.) I ported both our phones (phones have to be unlocked) over myself in less tha...
by mtwhmemn
Sun Sep 15, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 8827

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Look at mintmobile.com Each 3GB line is $15 per month TOTAL prepaid. Each 8GB line is $20 per month TOTAL prepaid. My wife and I have used it for around 9 months now and have had zero problems. (Mint use T-Mobile towers.) I ported both our phones (phones have to be unlocked) over myself in less than...
by mtwhmemn
Tue Sep 10, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 758

Re: Where to go "borrow" fast upload speed

I find that Starbucks and the library generally have good speeds but they may vary between locations and how many others are using the wifi at the same time. If you need a steady guaranteed minimum speed, I wouldn't rely on them. But if you are just downloading or uploading large files, I find they...
by mtwhmemn
Tue Sep 10, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 758

Re: Where to go "borrow" fast upload speed

mervinj7 wrote:
Tue Sep 10, 2019 10:51 am
You can get a daypass to a co-working space. They should have "business" level internet speeds with faster upload speeds than a typical residential contract.
I think you missed the word "borrow". I have no budget for this other than the cost of coffee.
by mtwhmemn
Tue Sep 10, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 758

Where to go "borrow" fast upload speed

I have a need for faster upload speed than I have at home tomorrow. Any leads on where I might borrow some fast upload WiFi? I live in a medium size city. Thanks.
by mtwhmemn
Sat Sep 07, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Quebec City in October
Replies: 23
Views: 1867

Re: Quebec City in October

Thanks for all the responses. We won't have a car but will definitely do everything else suggested so far! Any further suggestions welcome!
by mtwhmemn
Sat Sep 07, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Quebec City in October
Replies: 23
Views: 1867

Quebec City in October

Wife and I are planning a trip in October over a weekend and through the following Wednesday. What are the best sites not to miss, what tours should be buy in advance, etc... (We are staying in a hotel in Old Quebec.) Where to eat? Just looking for general advice from those that have been tourists t...
by mtwhmemn
Tue Aug 20, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Would You Refinance Under the Following Circumstances
Replies: 16
Views: 1008

Re: Would You Refinance Under the Following Circumstances

Do yourself a favor and go to Costco Mortgage and cut the refi costs. I just finished one with First Bank and the costs were ~1/3rd the major bank I was with (I got an estimate). I have posted this here in a few places to help others avoid the ripoff that I've been subjected to so many times before....
by mtwhmemn
Tue Aug 20, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Would You Refinance Under the Following Circumstances
Replies: 16
Views: 1008

Re: Would You Refinance Under the Following Circumstances

Do yourself a favor and go to Costco Mortgage and cut the refi costs. I just finished one with First Bank and the costs were ~1/3rd the major bank I was with (I got an estimate). I have posted this here in a few places to help others avoid the ripoff that I've been subjected to so many times before.
by mtwhmemn
Tue Aug 20, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Best place for Shopping mortgage refi rates?
Replies: 12
Views: 1035

Re: Best place for Shopping mortgage refi rates?

willygreen wrote:
Tue Aug 20, 2019 9:49 am
I have used both Zillow and Bankrate. My last refi I went through Costco and got a good deal.
I just completed a refi via a bank I found through Costco. Fantastic experience as far as price and ease. (First Bank). The bottom line price to refi was ~1/3rd big name brand bank I left.
by mtwhmemn
Sat Aug 03, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 55
Views: 6625

Re: Has anyone taken out an online mortgage?

I went through Consumer Direct Mortgage (FirstBank). It wasn't too bad. Not as smooth as when I went through Bank of America previously. I just refinanced with Consumer Direct Mortgage (FirstBank) and it went well. The closing costs were just over 1/3 what they'd have been with a major bank. I comp...
by mtwhmemn
Fri Jul 26, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2790

Re: WiFi speed, is this normal?

Once you determine if your signal is good and all your hardware is working as it should and you are still having buffering issues try this: Unplug your modem and router. Wait a couple minutes and then plug in your modem. Then wait another couple minutes and plug in your router. Then, if that fixes ...
by mtwhmemn
Fri Jul 26, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2790

Re: WiFi speed, is this normal?

Once you determine if your signal is good and all your hardware is working as it should and you are still having buffering issues try this: Unplug your modem and router. Wait a couple minutes and then plug in your modem. Then wait another couple minutes and plug in your router. Then, if that fixes t...
by mtwhmemn
Tue Jul 23, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Getting more out of Google Home Mini
Replies: 10
Views: 726

Re: Getting more out of Google Home Mini

For more variety than your playlists, you can use Pandora (free, but with ads) or Google's version (radio stations). The things I use my Google Homes for most (I have 5 of them): -Playing music. Mostly from Google Music or Pandora. The voice control is particularly handy if you cannot use your hand...
by mtwhmemn
Tue Jul 23, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Getting more out of Google Home Mini
Replies: 10
Views: 726

Re: Getting more out of Google Home Mini

For more variety than your playlists, you can use Pandora (free, but with ads) or Google's version (radio stations). The things I use my Google Homes for most (I have 5 of them): -Playing music. Mostly from Google Music or Pandora. The voice control is particularly handy if you cannot use your hand...
by mtwhmemn
Sun Jul 21, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8411

Re: Do you buy cellphone outright or pay over 2 years?

I didn't read all the post so please forgive me if I'm repeating someone else's response. Ask yourself why AT&T/Verizon/Sprint will hand you a $750-$1000 device with 0% financing? Well, there are several reasons but the bottom line is they are making a massive amount of money off you with their very...
by mtwhmemn
Sun Jul 07, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: Rent and drive a car in northern Europe.
Replies: 16
Views: 992

Re: Rent and drive a car in northern Europe.

I don't think it was mentioned, but don't rent a car bigger than you need. I've been to northern europe many times. I took a free upgrade in Sweden one time and the Volvo XC90 was too big making driving and parking a little tight in a lot of places.
by mtwhmemn
Wed Jun 19, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 15179

Re: Moving to North Carolina from NYC

Don't move! You won't like it. It's a horrible place. We, native Tar Heels, are all a bunch of backwoods hillbillies and will frustrate you in every endeavor. We can't drive. We talk too slow. We think the apocalypse is upon us when it threatens snow. The weather is unbearable and you can rarely en...
by mtwhmemn
Tue Jun 18, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9426

Re: IPhone 6 - showing some age

And the biggest thing is even it were just marginally better which isn't even the case, Apple reportedly won’t roll out iOS 13 to iPhone 6, iPhone 6 Plus, iPhone SE! No, the iPhone SE processor is the same as that in the 6S and will be compatible with iOS 13. If you say so. The point I was making w...
by mtwhmemn
Tue Jun 18, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9426

Re: IPhone 6 - showing some age

The 6 was good enough and I stuck with it for almost 4 years replacing the battery twice. It wasn't a good thing to do. I replaced it with an 8 and realized how much speed and technology I was missing. I'm talking about just basic utility and functionality the 8 was much, much better to use saving ...
by mtwhmemn
Tue Jun 18, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9426

Re: IPhone 6 - showing some age

And I just had coffee with my mother who only this week replaced her iPhone 6 with an iPhone 8 and her only comment was that it feels like the same phone... That is a good point. The 8 does "feel" like the 6 as it is very nearly the exact same size, not too big and not too small. Not uncomfortable ...
by mtwhmemn
Tue Jun 18, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9426

Re: IPhone 6 - showing some age

I used to sell my old iPhone and upgrade to newest whenever a new model came out until the iPhone 6 came out. The 6 was good enough and I stuck with it for almost 4 years replacing the battery twice. It wasn't a good thing to do. I replaced it with an 8 and realized how much speed and technology I w...
by mtwhmemn
Mon Jun 10, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 14537

Re: I'm thinking about buying a supercar anyone here done this and feedback?

As I'm a car guy I've really enjoyed this thread. The "thread" here is kind of obvious as a lot of the roads lead to "the thinking man's supercar", the NSX. I still say the first gen should be included as it isn't modern day fast and can be enjoyed safely on the road! The new one isn't the kind of c...
by mtwhmemn
Sun Jun 09, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1354

Re: Nest Smoke/CO Detectors

I have had a couple for 5+ years. I think one of the main reasons I bought them was so they could "see" us in areas of the house the Nest thermostats couldn't thereby keeping the home in "home" mode and not "away" mode. They "talk" to each other.
by mtwhmemn
Sun Jun 09, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 14537

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

That's awesome! So, I wasn't a car guy before, but over the last year I've been getting into it. The new NSX even looks pretty interesting as it took such a big depreciation hit. NSX? I am a car guy and I own, among other sports cars, one of the most acclaimed 90s Japanese "supercars". (Since I am ...
by mtwhmemn
Sun Jun 09, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 14537

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

NSX? I am a car guy and I own, among other sports cars, one of the most acclaimed 90s Japanese "supercars". (Since I am a boglehead I limit myself to reliable and appreciating cars that suit my taste.) Since you aren't a car guy you probably can't guess what I own, ha! That's OK...just having a lit...
by mtwhmemn
Sun Jun 09, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 14537

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

I am a car guy and I own, among other sports cars, one of the most acclaimed 90s Japanese "supercars". (Since I am a boglehead I limit myself to reliable and appreciating cars that suit my taste.) Since you aren't a car guy you probably can't guess what I own, ha! That's OK...just having a little fu...
by mtwhmemn
Fri May 10, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6558

Re: Cell Phone Plan/Carrier Recommendation?

Switched from AT&T to Mint 3 months ago and it is excellent. Can't tell any difference in the services. As with any carrier, you have to make sure it works where you need it most. (I believe Mint uses T-Mobile towers.) The cost is the best I found. You can switch your number(s) within hours. You nee...
by mtwhmemn
Thu May 09, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12679

Re: Rarely used items that are worth having?

Most? Examples? I extracted fuel from my 2016 Honda Odyssey no problem.
by mtwhmemn
Wed May 08, 2019 5:22 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2252

Re: What’s in your pocket?

...and safer in front pocket for theft prevention.
by mtwhmemn
Wed May 08, 2019 4:58 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2252

Re: What’s in your pocket?

Waterproof and stuff can't fall out.
by mtwhmemn
Wed May 08, 2019 4:22 am
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2252

Re: What’s in your pocket?

~5 years ago I switched from a typical back pocket wallet to a Bellroy https://bellroy.com/products/card-pocket/default/black zippered front pocket "card holder". It is waterproof and very comfortable. The zipper makes it "safer" too. I'll never use a "regular" wallet again. I can't wait for the day...
by mtwhmemn
Mon May 06, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12679

Re: Rarely used items that are worth having?

A syphon.

Instead of storing gas in containers with stabilizer, etc...

Your car(s) probably have all the fuel you'd ever need for Honda/Yamaha 1000 watt inverter.
by mtwhmemn
Sun Apr 28, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 3088

Re: weber grills

If you buy a Weber make sure it has all the features you want because you are going to be "stuck" with it for over a decade. They are excellent quality and can be repaired when needed.
by mtwhmemn
Fri Mar 22, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4839

Re: Being a Boglehead and car enthusiast stinks

It is possible to satisfy your want for a sports car and your need to remain a Boglehead. If your car want is something that just happens to hold its value! There are some cars out there that are maintaining their value and possibly even appreciating. I'll give you an example, a Honda S2000. It is a...
by mtwhmemn
Sun Mar 17, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5501

Re: What's Your Opinion on Nest Thermostats

I have a 2 story house that came with 2 2nd generation Nests. I've lived with them for 6 years. I don't use the learning aspect because it just didn't work the way we "use" our house. I just program them to set the temps to our schedule. What they do well is automatically set the temps to "away" mod...
by mtwhmemn
Sun Feb 17, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8256

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

FIrst of all I'll admit I'm a car nut. That said, I waited until I was in my 50s to go crazy and buy my dream car. You should wait too. Or, lease a luxury car for 2 or 3 years if your mileage is around 10,000 per year and then go buy an Accord or Camry when the lease is finished. The thing about the...
by mtwhmemn
Sun Feb 10, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2565

Re: Mint Mobile feedback

I just switched 2 iPhones with AT&T to Mint, one on the 3GB plan and the other on the 8GB plan commensurate with past use. On AT&T we paid about $120/month (wife gets a 25% discount though her work w/AT&T). With Mint I paid up front ~$420 for 12 months. That is a savings of over $1000 per year. I fe...
by mtwhmemn
Sun Feb 10, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3825

Re: Auto Battery Prices

I drive Honda/Acura products but this may work on other brands. I actually go get an OEM battery when the need arises. I install my own battery, but they may do it for free if you aren't capable. The OEM battery costs about the same as an aftermarket battery and they will replace the battery if it d...
by mtwhmemn
Fri Feb 01, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Regular Gas in a car requiring Premium Gas (Lexus LS)
Replies: 23
Views: 3013

Re: Regular Gas in a car requiring Premium Gas (Lexus LS)

I hope everybody has put your mind completely at ease because you have absolutely nothing to worry about. If you still have any anxiety about this you can go to a car parts store like Autozone or Advance Auto and buy a can of octane booster and "treat" the fuel in your tank to raise the octane level...
by mtwhmemn
Sun Jan 27, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 62
Views: 5761

Re: Can I retire?

Track expenses. Use i-orp extended version. You make me "nervous" asking with all those assets. We are both 55 and want to retire in the next couple years and we don't have near what you have. We spend about $6500 per month. ~$2 million in assets, but owe 190K on 3.125% mortgage. I think we are OK b...
by mtwhmemn
Mon Jan 21, 2019 5:01 pm
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Re: Order in Which Accounts Types and Funds Types Get Roth "Converted"

55 year old couple married filing jointly both retiring within the next 5 years. Last year I started converting pre-tax funds to ROTH & staying within the 12% bracket. Not a good year for income but an opportunity to convert money. Unfortunately I expect the lower income trend to continue but havin...
by mtwhmemn
Mon Jan 21, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Re: Order in Which Accounts Types and Funds Types Get Roth "Converted"

Don't IRMAA tiers only affect those with very high income? I'm going to keep our MAGI low enough to receive lowest subsidy for ACA, at least that is the plan for now. You won't have to worry about IRMAA tiers for ~8 years, or two years before you start paying for Medicare. For anyone who is paying ...
by mtwhmemn
Mon Jan 21, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Re: Order in Which Accounts Types and Funds Types Get Roth "Converted"

I-ORP will (usually) solve when using the "no Roth conversions" option. I don't know why it won't solve when one limits Roth conversions to some X% tax bracket ceiling. As the I-ORP documentation notes, "Pick a ceiling that is too low for your income situation and ORP will cough back an infeasible ...
by mtwhmemn
Mon Jan 21, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Re: Order in Which Accounts Types and Funds Types Get Roth "Converted"

I-ORP will (usually) solve when using the "no Roth conversions" option. I don't know why it won't solve when one limits Roth conversions to some X% tax bracket ceiling. As the I-ORP documentation notes, "Pick a ceiling that is too low for your income situation and ORP will cough back an infeasible ...
by mtwhmemn
Mon Jan 21, 2019 11:48 am
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Re: Order in Which Accounts Types and Funds Types Get Roth "Converted"

Your allocations are reasonable. Probably not the best - but neither you nor anyone else will know what was "best" until after the fact, so "reasonable" should suffice. Might be worth putting your numbers into Optimal Retirement Planner - Extended Parameter Form to see what it suggests regarding co...
by mtwhmemn
Sun Jan 20, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: Order in Which Accounts Types and Funds Types Get Roth "Converted"
Replies: 14
Views: 895

Order in Which Accounts Types and Funds Types Get Roth "Converted"

55 year old couple married filing jointly both retiring within the next 5 years. Last year I started converting pre-tax funds to ROTH & staying within the 12% bracket. Not a good year for income but an opportunity to convert money. Unfortunately I expect the lower income trend to continue but having...