Search found 1322 matches

by new2bogle
Tue Oct 09, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3825

Re: Neighbors tree branch growing too close to my house

RollTide31457 wrote:
Tue Oct 09, 2018 12:01 pm
Ladder and a chainsaw should take care of the invading tree limb.
Agree with this and what I did. But be careful on the ladder with the chainsaw.
by new2bogle
Tue Oct 09, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 8908

Re: Finally Cutting the Cord - YouTube TV

Reviving an old thread here - sorry. Just wanted to share that we no longer stream. Direct TV NOW had too many DVR glitches. YouTube TV doesn't have the channels we want (kids tv). Though both of these services have excellent quality video. Back to bundling internet+cable and paying ~$25 more per mo...
by new2bogle
Tue Oct 09, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14477

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You should consider the Coeur d alene, ID area. . . . Low cost of living. Lots of affordable housing. And lots of Californians who are relocating here. If the Northwest places we've checked out are a reliable guide, an influx of Californians (and the money and services expectations they bring with ...
by new2bogle
Tue Oct 09, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Just downloaded iOS 12.0.1. Happy to report the phone WiFi is no longer favoring 2.4GHz over 5 GHz. That gets me back from 70 Mbps to 250 Mbps. Still getting about 1 bar less on mobile coverage compared to my iPhone 6 (ATT wireless, not Verizon). I don't have drop outs, just a lot of locations with...
by new2bogle
Tue Oct 09, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Am I the only one that doesn't want the new iPhone because of the notch at the top? Apple should copy Samsung...they figured out how to do the whole screen. No, you're not the only one. I also hate it. But I also have the home button taking up all the bezel space. So it's two steps forward and one ...
by new2bogle
Tue Oct 09, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by new2bogle
Tue Oct 09, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4538

Re: Should I, and how, act on changes in managing diet and health?

simplesimon wrote:
Sat Oct 06, 2018 1:45 pm
These diets are not affordable enough for it to go mainstream.
This is exactly the comment my wife made.
by new2bogle
Tue Oct 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2973

Re: Dayton, Ohio -- Worth Visiting?

I visited Dayton with my kid a few years ago, as part of the Science Olympiad. We were put up in Wright State University, but vaguely recall that there were some hotels close by. It was not too shabby, though when we drove around town, there were a few streets that appeared sketchy. Not too bad, I ...
by new2bogle
Tue Oct 09, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9628

Re: What is your annual cost for health insurance?

Employed at MegaCorp with family level HDHP: Deductible: $3,400 (then 10% co-insurance) OOP Max: $5200 Premium: $0 HSA: MegaCorp puts in $2,400. I fill up rest to the max. If my spouse had access to health care at her employer (she does not because she is part time) my MegaCorp would surcharge me $1...
by new2bogle
Mon Oct 08, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2791

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

A better investor (Buffett) said "Be greedy when others are fearful". To me that means I should stick to my 87% stock allocation. But will I........?
by new2bogle
Mon Oct 08, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by new2bogle
Sat Oct 06, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1509

Re: Help identify vine in backyard

After reading suggestions and looking again it does look like some kind of nettle.
by new2bogle
Sat Oct 06, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1509

Re: Help identify vine in backyard

While googling, it did not look like poison sumac.

Most poision ivy pics dis not match either. But a few had the same ridges along the sides which made me unsure.
by new2bogle
Sat Oct 06, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1509

Help identify vine in backyard

I have the below vine growing in my backyard. Is this poison ivy? I tried comparing to some googled images but was unconvinced one way or the other.

I could not directly put the image in the post, so here is a link:

http://i65.tinypic.com/axlkww.jpg
by new2bogle
Fri Oct 05, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2194

Re: Carry On Luggage Recommendations

Marshalls and/or TJ Max have the spinner samsonites. We got ours from there, cheaper than the sale + % off samsonite website was offering. Great hardshell suitcases.
by new2bogle
Fri Oct 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

I'm ready to retire my iphone 6s after four years, storage capacity almost exhausted. Visited the Apple store this past weekend and I must say the Xs is indeed "night and day" as someone above mentioned compared to the 6s. I just wished they had the Xr available on hand to see the difference(s). I ...
by new2bogle
Fri Oct 05, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 28
Views: 2377

Re: Best deals to buy iphones

Alexa9 wrote:
Fri Oct 05, 2018 9:51 am
Switch to Xfinity Wireless and port a number and get $200 off an iPhone. There are also some BOGO $700 off with the major carriers.
I did this with Tmobile, best deal I could find at the time. $120 all in for 2 lines unlimited + they pay for my netflix.
by new2bogle
Thu Oct 04, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14477

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

I live in Houston. .... Our high today is 89. With the heat and humidity, it says it currently feels like it is 96. At 11:30AM in October! Yes, it is refreshingly cool today. That rain that moved through yesterday has really dropped the temps. ive heard weather is unpredictable. Not in Houston. If ...
by new2bogle
Tue Oct 02, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6832

Re: Got my new Iphone Xs

I got the Xs max for my wife and I. Great phone indeed. however, I really don't see the difference between OLED and lcd screen. Therefore, I recommend frugal bogleheads to buy the Xr version coming out next month in October for only $750 instead of Xs $1000. Save yourself $250. It is a great phone ...
by new2bogle
Tue Oct 02, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4753

Re: Buying a new Toyota Camry. What extra options if any?

Even though your Lexus is 8 years old, are you really comparing a $20k car vs an ~$60k car? No, I am comparing a new $20K car to a used $10K car because that is what I paid for it. Still not apples-to-apple. A not too used car sold new for $60k is better than a new car sold new for ~$20k (or $25k, ...
by new2bogle
Tue Oct 02, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4753

Re: Buying a new Toyota Camry. What extra options if any?

We had a 2018 as a rental last weekend and it was thoroughly underwhelming. It had all sorts of ground effects - lip spoiler and trunk spoiler, but apparently a 4 cylinder motor. It was completely anemic, even on level ground. Interior was really grim with hard plastic everywhere and stiff, flat fo...
by new2bogle
Tue Oct 02, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4753

Re: Buying a new Toyota Camry. What extra options if any?

I didn't look at the options that are options and are not standard, but I will say that I drove a 2018 Camry rental car for over 400+ miles and it had the safety features such as adaptive cruise control, lane change alert/assist, parking assist beeps, backup camera, navigation, reverse automatic br...
by new2bogle
Fri Sep 28, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2462

Re: [Credit freezes and un-freezes are now free]

I just saw this today after thinking I would need to spend $10 to unfreeze my credit report to get a credit check.

I went to Equifax and it was unfrozen for one day in less than 2 minutes. Finally something good!
by new2bogle
Thu Sep 27, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15800

Re: iPhone XS Max

For anyone with the Xs, what kind of battery life are you getting? Hasn't even been a week, I know, but there are some reports that battery life is worse than the X. I'm wondering if on a real-world basis (not some youtube tester) people are getting worse battery life because they're playing with t...
by new2bogle
Thu Sep 27, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3733

Re: First-time victim of credit card fraud

There a hundreds of ways to get the number and many of them would not involve SWA. I've had fraud and then the replacement card already had fraudulent charges on it by the time I received it. Go figure that one out. One time I had a fraud related replacement card replaced before it even came in (go...
by new2bogle
Thu Sep 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15800

Re: iPhone XS Max

I just received my over-priced iPhone XS... unbelievable upgrade from the iPhone 5s, which was pretty much damn unusable outside of WIFI areas. If you take family pics, the camera rivals a $700 Nikon for portraits. Stunning. My only regrets are: 1) Not upgrading sooner (3-4 years probably sweet spo...
by new2bogle
Thu Sep 27, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15800

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I had the Caudabe Lucid Clear case in crystal for my X and bought it again for my Max. It is the thinnest case I could find that also ha...
by new2bogle
Thu Sep 20, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2977

Re: Moving to Dallas, how to establish residency

I moved to Texas from Ohio.. and then left after a year. While they’re is no income tax, they will get their money out of you via the water and utility districts if you purchase real estate. As I recall, the cost of vehicle registration and drivers licenses were comparable, but insurance costs skyr...
by new2bogle
Thu Sep 20, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2977

Re: Moving to Dallas, how to establish residency

Welcome to Texas, it's a great place.
by new2bogle
Mon Sep 10, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5671

Re: Low pay and low stress jobs with health benefit

How about working for the DMV? I recently renewed my registration and had to go in since it was too close to the deadline to do it online. Seemed like a pretty easy desk job for the person doing it. Don't need talk too much, but not isolated in a cubicle by yourself. It is a customer service job tho...
by new2bogle
Mon Sep 10, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10276

Re: Anyone else not save for cars?

I don't. All excess money goes into one pot, and comes out as needed. I don't pay cash for cars as I find 2% (often lower) finance rates that you can get for cars to be "free" money. My last new car I bought had a loan of ~$22k after trade-in and maxing out how much the dealership would take on cred...
by new2bogle
Mon Sep 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4679

Re: How much do bogleheads save in 529?

$0 in a 529. I put $25k/year into a mega backdoor Roth, targeted for college expenses. If that were not an option, it would be split between taxable and 529. My state gives no 529 benefits. I plan to stop savings and use cashflow (stop 401k payments, plus the 25k going into backdoor, plus taking out...
by new2bogle
Mon Sep 10, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2393

Re: What performance to expect from central AC?

We say the unit has never been able to pull the temperature below 73F even when the outside temperature peaks at 80F. I ask what's going to happen when it's 95? It is very helpful to have some of you confirm that an AC should cool 20F from ambient. That's all I ask of this unit. Thanks, You really ...
by new2bogle
Mon Sep 10, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2393

Re: What performance to expect from central AC?

I'd spend 20 bucks on one of these: https://www.homedepot.com/p/Ultra-Performance-Non-Contact-Infrared-Thermometer-39102/300227498?cm_mmc=Shopping%7CG%7CBase%7CD25T%7C25-1_HAND+TOOLS%7CNA%7CPLA%7c71700000034127224%7c58700003933021546%7c92700031755124844&gclid=Cj0KCQjw5s3cBRCAARIsAB8ZjU0RPB5nIV-8YLj...
by new2bogle
Mon Sep 10, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8555

Re: Can Sneakers go with Business Casual?

Sneakers are not business casual. You have to see what other folks are wearing to see what is "acceptable". I would not want to wear something that would put me as an outsider in the company's dress culture. What industry is this in? In tech, pretty much anything goes. There is a senior director dow...
by new2bogle
Fri Sep 07, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2559

Re: eBay Leaving Negative Feedback

Two months ago I received a non-working item. Emailed the seller through eBay and he refunded my money and cost to ship back. That is a POSITIVE experience.

If the seller works with you and refunds your money, give them a positive review.
by new2bogle
Fri Sep 07, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44073

Re: Lucrative careers?

US Senator Rand Paul graduated from the Duke allopathic program and does not have a bachelors degree. Probably doesn't hurt to have a father who is a congressman. Things have changed since but you already have the UVA program mentioned above. This virtually never happens. I don't think one celebrit...
by new2bogle
Fri Sep 07, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2525

Re: Certified Pre-Owned Cars (CPO): Is this normal?

gotester2000 wrote:
Fri Sep 07, 2018 1:57 am
OP,

The real cost and conditions are those written on paper and signed. Sales people will tell anything LIE to make a sale.
Fixed that for you :D
by new2bogle
Fri Sep 07, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7770

Re: I want to pry my friend away from Edward Jones

I don't say anything unless there is a direct question "Should I use a FA from EJ?" or something like that. Otherwise, it's just none of your business.
by new2bogle
Wed Sep 05, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10176

Re: Max you should invest in a 529?

KlangFool wrote:
Tue Sep 04, 2018 11:01 am
OP,

1% to 5% of your net worth excluding the house. So, for most people, the answer is nothing.

KlangFool
haha!
by new2bogle
Wed Sep 05, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Need suggestion for firm foam mattress
Replies: 19
Views: 1775

Re: Need suggestion for firm foam mattress

I've got a Nectar which is pretty firm even though they claim it's just "medium firm". It also has a 1 year trial which is very generous.
by new2bogle
Wed Sep 05, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9674

Re: How to "waste" money on groceries?

VictoriaF wrote:
Wed Sep 05, 2018 3:20 pm
Wasting money on groceries is buying processed food devoid of nutrition.

Victoria
Agreed! Either nutritious food is inherently expensive or hard to find cheap.
by new2bogle
Wed Sep 05, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4797

Re: How much do you spend on kids extracurriculars?

You should realize that many of the extracurricular activites for kids are just structured/negoitated babysitting service. They provide parents with some comfort that their children are supervised and hopefully kept safe. The expense of the activities is an angle exploited by the vendors to attract...
by new2bogle
Wed Sep 05, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4020

Re: Neighbor Fencing question

I would have said right then and there, "Of course! I am happy to share in the cost of the shared fence that is replaced. Thanks for taking care of this!" Yup. Right side neighbor asked this once and I asked about cost and said sure. He did all the work to get the contractor. Left side neighbor ask...
by new2bogle
Wed Sep 05, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 791

Re: New microwave or seek service options?

1) My microwave went out a few years ago - craigslist had the exact same one for $80. Try something used first.
2) You say you just bought the house - did you get the seller to give you a home warranty? Could be that the home warranty covers the microwave.
by new2bogle
Wed Sep 05, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2297

Re: First Time Poster: Are Rental Properties Worthwhile?

Here's my experience: When I was buying my second home, I kept the first and rented it out. I fortunately got a very good renter and they have been there 6+ years. Only ever had this one tenant - he keeps the lawn up to date, doesn't hassle me about the little things and takes care of my house treme...
by new2bogle
Wed Sep 05, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44073

Re: Lucrative careers?

There are no such MD programs that are accredited in the United States. Again I’m not denying that CRNAs have an RN degree in the past just as MDs who graduated from United States have obtained a bachelors degree in the past. If you think I’m wrong please give me one allopathic program in the Unite...
by new2bogle
Wed Sep 05, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44073

Re: Lucrative careers?

There are no such MD programs that are accredited in the United States. Again I’m not denying that CRNAs have an RN degree in the past just as MDs who graduated from United States have obtained a bachelors degree in the past. If you think I’m wrong please give me one allopathic program in the Unite...
by new2bogle
Wed Sep 05, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44073

Re: Lucrative careers?

I will add my support to KyleAAA's assertions - pay really IS that high in tech, especially in Bay Area (where it is needed) and also in Seattle (where it is not needed as much). The FAANG's pay a lot and also make a lot. I have friends in all FAANG companies (except for Netflix - that guy went from...
by new2bogle
Wed Sep 05, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2279

Re: HVAC annual contracts vs yearly annual cleaning

For $100 a year, I will gladly let someone else make a house call and tell me nothing is wrong with my heater and A/C. Factor that into your annual maintenance budget. If they tell you something is wrong, you can always question them on why and what the remedy is. Repairs through these companies wi...