Search found 1666 matches

by blevine
Mon Oct 16, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4292

Re: Which Streaming Service/Live TV?

Not sure what you mean.
Netflix allows you to buy a 1, 2 or 4 screen subscription.
Are you saying you must personally watch on 4 screens at once, nobody else can view one of the 4 screens ?
Seems unlikely that was the intent.
by blevine
Sun Oct 15, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4292

Re: Which Streaming Service/Live TV?

Found one annoyance, that impacts most/all of these services. While we get local broadcast channels, channels I can most get easily by antenna (Fox, NBC easily), when traveling and using iphone or laptop, these channels sometimes vanish completely. They only are shown in your home area, however they...
by blevine
Fri Oct 13, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 29
Views: 2229

Re: Outback Vs Forester Vs CR-V ??

Why choose ? I bought an Outback AND a Forester !

My teen loved driving th Forester, he got one later when he was ready for a car. Wife prefers the Outback. I like both.
by blevine
Thu Oct 12, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4292

Re: Which Streaming Service/Live TV?

If you have AT&T unlimited data cell phones, you can get their Directv NOW service cheap. I did a week trial and it worked well, though since I don't use AT&T cell service, too expensive. I used sling, which is good for the price but picture quality is mediocre. Tried hulu live, liked that best, but...
by blevine
Wed Sep 27, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 6981

Re: VG using outsourcing to call me & I'm not happy

They make it easy enough to vote online, except for the part about explaining enough info to know who/what to vote for. Don't know the people involved. The issues listed to change business practice are not clearly explained. They just want a bunch of YES men to vote their way without understanding. ...
by blevine
Sat Sep 16, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 165
Views: 15320

Re: Let's talk about your FI # and family income

Oh, I dunno about assuming too much. Once you have everything, you don't have to spend that much. "HAVE TO" being the important part. There isn't much you HAVE TO spend. Heat in winter - move to warm climate AC in summer - move to cold climate Food - get food stamps, eat Ramen noodles clothing - wh...
by blevine
Fri Sep 15, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 165
Views: 15320

Re: Let's talk about your FI # and family income

Never understand why people even look at household income. If I am unemployed and win the lottery, I think it does matter whether my lottery winnings are $1,000 or $10,000,000 But either way, I have won an infinite multiple of my income. I see expenses can be correlated with income, but for those of...
by blevine
Fri Sep 15, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1843

Re: Verify credit freeze is active?

The info has been on the free credit reports for many years now. Which are "temporarily unavailable." Also, of course, if you got a free credit report recently, before you froze your credit, you can't get another one right now just to verify that the freeze took. All the credit agencies' websites h...
by blevine
Fri Sep 15, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1843

Re: Verify credit freeze is active?

The info has been on the free credit reports for many years now.
by blevine
Fri Sep 15, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18189

Re: Is it really Worth it to brown bag your lunch at work?

My company went out of their way to build a very high end gourmet cafeteria with nice seating and a large variety of food. They wanted it nice enough so that people could both network with coworkers in a common area. I do spend more $ there than if I brought food, but I have a very long commute whic...
by blevine
Tue Sep 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 15662

Re: Microsoft, I want my computer back!

Agree with above...Windows go away please. At work, desktop must be windows, but still on W7. At least they decided for mobile to support ios, not Windows. Company supports iphone/ipads for mobile work. At home, slowly moving to Mac as older computers die. Only Microsoft 10 I have purchased, when ki...
by blevine
Tue Sep 12, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 2876

Re: Freezing Credit Report - Effect on Auto Insurance

Your existing creditors can continue to access your credit reports. Not sure if that would count auto/home owners insurance, I assumed anyone who had access in the past continues to have access, but that may not be true in all cases. I use Allstate, they certainly never asked me about getting access...
by blevine
Sun Sep 10, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 24790

Re: Is a security freeze at Innovis really needed?

What about the two mentioned here : https://www.doctorofcredit.com/two-credit-bureaus-you-should-freeze-before-you-apply-for-a-u-s-bank-credit-card/ This article is from 2015, but SageStream at least has a website that tells you how to freeze, but it must be by fax/snailmail/phone, not web. ARS seem...
by blevine
Sun Sep 10, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 31333

Re: Can't freeze credit at Experian?

These firms are going out of their way to make the process difficult. For instance, when you get the questions to verify your identity, I was asked if I had a credit card from which of these firms : Citi Chase Citi card etc So if I have citi, which do I pick ? And if I pick the "wrong one" then I ha...
by blevine
Sun Sep 10, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 24790

Re: Is a security freeze at Innovis really needed?

One of the links provided had something that led me to believe maybe Innovis freeze is not so critical. http://www.creditinfocenter.com/wordpress/2017/05/16/innovis-vs-cbcinnovis-need-know-fourth-credit-bureau/ "This is the area in which Innovis differs most from the other three national credit bure...
by blevine
Sun Sep 10, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about accepting new job that pays a bit less
Replies: 27
Views: 2201

Re: Thinking about accepting new job that pays a bit less

I would also consider prospects for each job down the line. There is nothing wrong with a small step back for 2+ steps forward in a year or two, but if a permanent step backwards I would be cautious about doing this. While you are doing well, not well enough to forgo saving more for the future. If y...
by blevine
Sun Sep 10, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7427

Re: Buy iPhone 7 or Wait for iPhone 8

Heard same about ip8, will be very expensive.
Just upgraded a failing 6 to 7 despite the family member wanting to wait for 8.
Told them 1) you need something that works NOW and 2) you may end up with a 7 anyway,
if the 8 is as expensive as rumored. They are happy with the 7.
by blevine
Sun Sep 10, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3462

Re: Should I do 20 or 25 Year Term Life Insurance?

I don't agree with the assertion that your need declines, there is inflation. Kids in college now, and my house is worth twice what it cost when my kids were born, a car cost at least twice what I paid back then. Just getting a large policy with a fixed amount is already allowing your coverage to de...
by blevine
Wed Sep 06, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5549

Re: What is the main purpose of holding your current job?

$$$$$$$$$$$$$$$$$$

and

$$$$$$$$$$$$$$$
by blevine
Wed Sep 06, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wacky NY college savings plan?
Replies: 9
Views: 999

Re: Wacky NY college savings plan?

Why assume your kids will go to SUNY ? What if they get into top tier schools, you will force them to go to SUNY for the $6k scholarship ? I gladly had my kids turn down 50% tuition SUNY scholarship ($3-4k / yr), and sent them to private schools that gave them large but partial merit scholarships, p...
by blevine
Tue Sep 05, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4882

Re: how often does high ACT score == scholarship?

Expensive 2nd tier private schools may give you a partial scholarship that gets you to a similar cost as OOS public schools. The GPA may hurt unless there is a heavy load of AP/honors courses and heavy extra curricular activity to explain it. Top tier privates, the Ivies etc, don't give non-need aid...
by blevine
Tue Sep 05, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple 529s?
Replies: 8
Views: 649

Re: Multiple 529s?

What is the age difference ? If my kids were more then 4 years apart, definitely one account. Once first graduates, you can simply change the beneficiary. The only advantage to separate them in this case, is if you use target date funds and the age different is large enough to have 2 funds with diff...
by blevine
Wed Aug 30, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1473

Re: Hulu w/ Live TV

Hulu live, last I checked, was not widely available on all platforms. I use FIRE TV and it does not yet offer Hulu Live. I did the free trial of Hulu live on xbox (my kids device) but stuck with Sling that works on both devices. I may switch someday, did seem slightly economical to consolidate my tr...
by blevine
Wed Aug 30, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for R&B-Off Campus Housing
Replies: 17
Views: 1436

Re: 529 for R&B-Off Campus Housing

Reason? You don't have the right to live in the lap of luxury and claim it's a college expense. Attending a school that is not commuting distance from your home certainly requires housing at or near campus, but not first class luxury accommodations. No "lap of luxury". It is within the limits of th...
by blevine
Mon Aug 28, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 for R&B-Off Campus Housing
Replies: 17
Views: 1436

Re: 529 for R&B-Off Campus Housing

Reason? You don't have the right to live in the lap of luxury and claim it's a college expense. Attending a school that is not commuting distance from your home certainly requires housing at or near campus, but not first class luxury accommodations.
by blevine
Sun Aug 27, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 14658

Re: Medallion Signature Guarantee

Most requires years of training...
Maybe that is your best option.
Maybe it will be mine at some point.
by blevine
Sat Aug 26, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 90
Views: 6755

Re: Bosch dishwasher?

Have Bosch last few years. Very quiet but must pre-rinse many items or they come out dirty. That said, I don't seem to recall prior washers doing much better in that regard. Dried caked food on dishes/utensils is tough for any of these machines ! Has worked without need for repair, but yes one must ...
by blevine
Sat Aug 26, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 14658

Re: Medallion Signature Guarantee

One of the reasons I don't shop around for best checking account, don't want hassle of setting up ach. Don't shop brokerage bonuses for this and other reasons. Put effort into saving and investing, not WHERE you save/invest. I generate thousands of dollars per year with bonus transfers. Not exactly...
by blevine
Sat Aug 26, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 14658

Re: Medallion Signature Guarantee

One of the reasons I don't shop around for best checking account, don't want hassle of setting up ach. Don't shop brokerage bonuses for this and other reasons. Put effort into saving and investing, not WHERE you save/invest. Opened all the accts I have years ago, change nothing but allocation among ...
by blevine
Thu Aug 17, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 8112

Re: I cut the cord a couple years back but think I'm going back to cable

Have gotten my favorite MLB team on sling all summer.
Some games were not on the usual channel, but got most games on sling.
The few not on sling, that were on broadcast TV, there are ways to get broadcast TV.
Basic cable, antenna ....
by blevine
Thu Aug 03, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know anything about the Newport Group?
Replies: 5
Views: 795

Re: Does anyone know anything about the Newport Group?

My firm uses Newport for a stock bonus plan, good service. Having Admiral funds as an option is excellent too.
by blevine
Thu Aug 03, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3981

Re: Best Vanguard account

How large is the 401k vs the taxable (regular) savings ? See if your 401k offers an international stock fund. If your 401k is small compared to the total, can move funds into an int stock fund in the 401k to supplement the tax managed fund. If 401k is very large in comparison, I would leave the targ...
by blevine
Wed Aug 02, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24315

Re: A poll: How much money do you need to retire?

So how do you count the 401k ? Dollar for dollar, not same as your taxable savings. And if you have large unrealized gain in taxable, is that really the same as if you had none ? Kinda hard to meausure a total without considering the tax liabilities or possibly liquidity. If all your NW is tied up i...
by blevine
Wed Aug 02, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3981

Re: Best Vanguard account

Regarding the Tax Managed Balanced Fund, it simply cannot be an index fund because it hold muni bonds. Index muni funds are rare, for a good reason, you can't buy the whole market in munis, there are millions of bonds and most not available to purchase. Must be actively managed, at least the bond po...
by blevine
Tue Aug 01, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4340

Re: Finance as a college major?

Business Admin majors tend to have lower salaries and lower skills than many other majors (and it is too easy). Well, like anything else, it depends on which school one attends. I earned an MBA in Finance from Wharton. Wharton also offers undergraduate degrees in business. Some of those undergradua...
by blevine
Tue Aug 01, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard account
Replies: 52
Views: 3981

Re: Best Vanguard account

I would suggest Vanguard Tax-Managed Balanced Fund Admiral Shares VTMFX

Simple and tax efficient.

That is for an "individual account", which is what you should open. Call Vanguard, they can walk you through the steps.
by blevine
Tue Aug 01, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2852

Re: FAFSA: if known result, why complete?

Had to fill this out one year, when son had a full tuition merit scholarship at a public school. They want to see if they can get state/fed grants to offset the merit for those kids who would have gotten such finaid. Was REQUIRED, not just recommended, for that public school, and likely only because...
by blevine
Sun Jul 30, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4340

Re: Finance as a college major?

If you google for it, you'll find that somewhere between 50-80 % of college students change their major. I would not read too much into the decisions of a HS student. They have no idea what a major entails much less if it's suitable for them, before starting college. They often pick based what seems...
by blevine
Sat Jul 29, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3141

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

Had both roof rack and temporary trunk attachment. Trunk rack was a pain to install, a new adventure each time. Scratched car paint. Dumped it at some point. Roof rack holds two bikes securely, has lasted a very long time, and I can add a 3rd bike to the inside of my cargo of the smal SUV (Forester)...
by blevine
Wed Jul 26, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5763

Re: GF Picking a college major

I graduated from BU long ago. Best decision I made, money well spent. You can study almost anything at BU, she should try different classes and activities and find herself. Expensive but amazing opportunity to find and develop interests.
by blevine
Sun Jul 23, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Best way to convert to a brokerage account
Replies: 4
Views: 491

Re: Best way to convert to a brokerage account

Not inevitable. They have been doing this for years and I have not been asked to convert all that time.
As a precaution, I emailed them to inform that if they do so on their own, I would be forced to close
the account, and they assured me would not happen without my consent.
by blevine
Sat Jul 22, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8859

Re: Larry Swedroe: REITs Aren't Special

May not be their own asset class, but they are treated differently for tax reasons. Hence getting exposure in a traditional fund mixed tax favored and penalized assets together. I have not gone for sector funds, except reit due to ability to concentrate my reits in tax def, and other stocks in taxab...
by blevine
Tue Jul 18, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college expenses
Replies: 9
Views: 1113

Re: Paying for college expenses

Two in college here : For incidentals, did same as you, ATM Visa debit cards linked to joint checking acct with the kids. Same bank as my own personal checking acct, and I can easily transfer funds to kids joint accts from my personal accts. I don't have an ESA but do have 529. I have my 529 adminis...
by blevine
Sat Jul 15, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3672

Re: What am I missing here? [I'm a bachelor]

I once bought a coop apartment because the rentals in my area were dumps, and only the buildings renovated, went coop. In the short term, I bought at a market top, and the value declined significantly. Would have been ok in the long run, but I wanted to move and hated being a landlord to rent it out...
by blevine
Sat Jul 15, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18590

Re: How are folks handling the unprecedented rise in the market ?

I think the only contrary to "staying the course" is the debate about the preferred allocations. There was a time when you needed no international, per conventional wisdom. As we watch the turmoil in the US, does anyone think a reconsideration of US/home country bias still makes sense ? How many of ...
by blevine
Sat Jul 15, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2249

Re: Time to dump State Farm agent?

I would switch to Amica even if it was the same price.
They quoted me a much higher price than my long time Allstate policies.
by blevine
Sat Jul 15, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Is a 529 of any benefit in this instance?
Replies: 16
Views: 1229

Re: Is a 529 of any benefit in this instance?

Not every kid will go to college. Everyone that lives long enough, will retire at some point. Hence the "fund retirement first" idea (that and idea that one can't borrow to retire, but one could borrow to fund education). But that is a priority decision, not an absolute yes or no. If my 401k and IRA...
by blevine
Sat Jul 15, 2017 12:54 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3672

Re: What am I missing here? [I'm a bachelor]

If you are considering someday having kids etc, don't buy now. Wait until you know where you want to be for a longer period.

Renting makes it easier to move when career opportunities arise, or to move for personal reasons such as a relationship.
by blevine
Sat Jul 15, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 7150

Re: How much of an increase of salary would you expect before switching jobs?

I would make the decision mainly on your career interests and preferences. Your immediate salary should be less the concern than making sure you have a career that is right for you ? This is a question of support vs sw dev. If you really truly want sw dev, ask for the $ and vacation you would find a...
by blevine
Fri Jul 07, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 4224

Re: Buy a vehicle cash or finance?

I have a Forester, had a minivan when the kids were young. Overall greatly prefer the Forester over a minivan. Also prefer it over any sedan. As to financing, if you are sure you got the best price possible, and they still give you 0% why not ? But that rate is always in lieu of a cash rebate. No fr...