Search found 193 matches

by burgrat
Mon Aug 07, 2017 11:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 5361

Re: Is the Munchkin MAN still alive?

Has anyone tried to PM (private message) him?
by burgrat
Sat Apr 15, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5520

Re: What do you do with your coins?

I put my daily change in a container. When it gets close to full, I take it to the local Coinstar and cash the coins in for an Amazon gift card. There is no charge for this, otherwise I would take it to a bank or a local casino (I'm in Nevada) and cash it in. The amount is usually around $60 to $80 ...
by burgrat
Sun Feb 19, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Temptooth?
Replies: 3
Views: 718

Re: Temptooth?

It's $30. It's worth a try if you don't want to spend the money for a flipper.
by burgrat
Wed Feb 08, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29379

Re: Wow, Vanguard Flagship service is bad. Really bad.

FIREchief wrote:Is it because of the 2.75 Million dollars that they treat you so much better than other posters? :confused


The OP has 3x this amount (almost $10 million) and received poor customer service. They should be bending over backwards to help him!
by burgrat
Sun Jan 22, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: No home - do I need Umbrella Insurance?
Replies: 19
Views: 2831

Re: No home - do I need Umbrella Insurance?

I still have a few more companies to contact but Geico seems to offer the most affordable combination of auto/renter's/umbrella. They'll require that I get renter's insurance if I want umbrella insurance I don't believe this is correct. I believe you need only to have auto insurance with GEICO in o...
by burgrat
Thu Jan 05, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28919

Re: How much is your cell phone bill?

I have an iPhone 5 on Straight Talk (uses Verizon towers).

$43/mo. Unlimited calls, data, text. I love it. I bought the phone for $150 new, so I own it. That was the only expensive thing.
by burgrat
Mon Dec 26, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 40511

Re: Flaunt Your High-Mileage Car

110,000 miles on my 2008 Acura TL. Purchased it as a Certified Pre-Owned car from an Acura dealership in 2011. It was 3 years old and had only 4,000 miles on it! Paid around $24k. I recently put 4 new tires, front brakes and rotors, timing belt, and water pump. All needed, routine maintenance. Drive...
by burgrat
Sun Nov 27, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 4953

Re: Roku 3 v. Apple TV v. ???

I have a Roku 3 and a Roku Stick and I actually prefer the Roku Stick. For some reason, I've had more problems with the Roku 3 (freezing up, running slowly, etc.). The Roku Stick has been without an issue and seems to work just as fast, if not faster. Maybe I have a bad Roku 3, but if you are unsure...
by burgrat
Thu Nov 19, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 3576

Re: Shoe Orthotics

I had plantar fasciitis and it got bad enough that I went to a podiatrist. She recommended custom orthotics which would cost around $450. I decided to try the Superfeet insoles and they have been a godsend. No more issues with plantar fasciitis now and my feet are doing well. I will never go back to...
by burgrat
Sat Sep 12, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Dog / Pet insurance - is it worth it?
Replies: 33
Views: 3255

Re: Dog / Pet insurance - is it worth it?

I've considered it, but never bought it. I adopted a 5 yr. old cat earlier this year and she has been the most wonderful pet. She recently developed an inner ear polyp which required several visits, a CT scan, biopsy, and medication to treat initially. Totaled about $2,500. She will need another pro...
by burgrat
Mon Jun 15, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 20307

Re: LastPass.com Breach

Image
by burgrat
Sat May 09, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone ever ship a bicycle?
Replies: 18
Views: 2559

Re: Anyone ever ship a bicycle?

I've shipped bikes before and the cost can vary widely. I ride a lot and know how to disassemble a bike, so I usually get a bike box from a local bike shop (they'll usually give you one - these are the boxes they receive their bike in and usually throw them away or recycle them) and I pack it that w...
by burgrat
Thu Apr 23, 2015 11:53 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 26365

Re: Best (Available)Red Wine for under $15 preferrably under

Bogle, of course! Seriously, the Old Vine Zinfandel and Cabernet Sauvignon are both good. I get them at Costco for about $8 to $9 a bottle.

Image
by burgrat
Tue Mar 03, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 61909

Re: What are Costco's best deals?

Costco's muffins are great. Always a hit when I bring some to work. Don't look at the calories though!
by burgrat
Tue Mar 03, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 45
Views: 5693

Re: new car battery

I got mine at Costco. It was a Kirkland brand and it died at just under 36 months. I took it to Costco and they replaced it at no charge with a new Interstate battery. The only pains were that I didn't get the expected life out of the original battery and I had to switch it out myself. I'm pretty ha...
by burgrat
Tue Feb 10, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: Recommend me a iphone podcast app that does manual playlists
Replies: 10
Views: 1055

Re: Recommend me a iphone podcast app that does manual playl

I use Pocket Casts. I had Downcasts, but switched over because of better interface and features.
I just checked and they don't have a good option for playlists, so never mind my rec, it won't work for you.
by burgrat
Mon Dec 29, 2014 11:02 am
Forum: Personal Consumer Issues
Topic: Downhill and cross country ski destination
Replies: 18
Views: 2266

Re: Downhill and cross country ski destination

Take a look at Sugar Bowl: m Besides being a downhill ski resort, Sugar Bowl also runs Royal Gorge: m If you don't mind staying at a rustic lodge, this is where I stay: m If that doesn't work, try the ski resorts in Tahoe. Here is one that offers both downhill and x-c skiing: m I would include Squa...
by burgrat
Wed Dec 17, 2014 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice About Self-Employed 401(K) Plan
Replies: 22
Views: 2488

Re: Seeking Advice About Self-Employed 401(K) Plan

Regarding fees for the Solo 401k at Vanguard, here is what they state: "Account service fees: $20 per year for each Vanguard fund held in a Vanguard Individual 401(k) account. If at least one participant qualifies for Flagship Select™, Flagship®, Voyager Select®, or Voyager® Services, the accou...
by burgrat
Thu Oct 23, 2014 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution question
Replies: 3
Views: 593

Re: HSA contribution question

I just retired from my job, and switched over to an hsa plan for cobra and had the same question. After researching it, the answer is YES, but you have to keep a high deductible plan for 1 year. They don't want you to put your hsa money in, get the tax deduction, then switch to a non-hsa plan in th...
by burgrat
Thu Oct 23, 2014 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution question
Replies: 3
Views: 593

HSA contribution question

I recently left my job at the end of August and I kept my medical coverage through COBRA. I will be cancelling that coverage at the end of this month because the new plan that my previous employer is doing will significantly increase my premiums (they just completed open enrollment and my new premiu...
by burgrat
Sun Sep 07, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 60
Views: 5410

Re: Texas - Recommendation Where To Live

letsgobobby wrote:TX is nowhere on this list if weather is important. And if you want clean air that rules out Houston, which often rivals LA for the worst air (and the worst traffic) in the country.


If you are in Texas, you are going to sweat. They better be flexible on the weather or rule out Texas.
by burgrat
Mon Sep 01, 2014 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 5425

Re: Once your house appreciates +$250k, sell it?

Gambler wrote:This looks too easy.
What's the catch (if you're single, no kids)?


You're assuming the house will go up in value.
by burgrat
Sat Aug 30, 2014 8:49 am
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 9104

Re: Ideas for thanking a doctor

I'm not a "real doctor", I'm an orthodontist and I have received a simple thank you card from time to time and that really means a lot. Just the simple act of them taking the time to thank me is very heartfelt. Any gifts, like chocolates, etc., I will share with my staff. For me, any more ...
by burgrat
Thu Aug 14, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 12548

Re: The (un)freshness of Starbucks bakery products

I've never seen a Starbucks scone served in "original plastic packaging". Whenever I get one, it's taken from the display case by the barista and placed in a small paper bag or on a plate.
by burgrat
Sat Jul 26, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 2296

Re: Looking for insights on San Antonio

(for my $300k home, my yearly taxes are about $5,700). But that's a 4000 sq ft, 5 br, 4 ba home on a big lot with maybe a swimming pool, too. More like 2,400 sq ft, 3 br, 3 ba, no pool in NW San Antonio (Alamo Ranch). Just sold it this month for $312k (paid $296k in 2010). I am actually moving from...
by burgrat
Sat Jul 26, 2014 3:20 pm
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 2296

Re: Looking for insights on San Antonio

livesoft wrote:
burgrat wrote:(for my $300k home, my yearly taxes are about $5,700).

But that's a 4000 sq ft, 5 br, 4 ba home on a big lot with maybe a swimming pool, too.


More like 2,400 sq ft, 3 br, 3 ba, no pool in NW San Antonio (Alamo Ranch)
by burgrat
Sat Jul 26, 2014 11:26 am
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 33
Views: 2296

Re: Looking for insights on San Antonio

I have lived in San Antonio for the last 6 years and I think the post by TexasDiver nails it . SA is very spread out and you pretty much have to drive everywhere, like a lot of cities. Traffic has continued to get worse in my time here due the growth exceeding the infrastructure capacity. As others ...
by burgrat
Tue Jul 08, 2014 2:26 pm
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 6074

Re: Toys for a Lazy Cat

I agree with getting another cat. That may liven things up. They seem to like boxes too:

Image
by burgrat
Fri Jul 04, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 3894

What to do with old Macbook Pro?

I have a 2009 13" Macbook Pro laptop computer. It's has been an awesome computer and I have had no problems in 5 years of ownership. I am wanting to upgrade to something lighter and more easily carried around (flights, travel, etc.) My question is how to sell the Macbook Pro safely and hopefull...
by burgrat
Sat Jun 21, 2014 11:09 am
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 2724

Re: water bottles and road trip

I recently purchased a small stainless steel water bottle from REI for use at work. The brand is Hydro Flask and it is awesome. It's really well insulated and it keeps the contents cold all day. They have bigger ones, but they are pricey. Well worth it in my opinion and I'm not throwing plastic bott...
by burgrat
Tue Jun 17, 2014 10:43 pm
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 8385

Re: What smartphone plan do you use?- off contract

As a current StraightTalk user, I'm 100% certain StraightTalk charges me tax. It may just be state sales tax, so if you live in a tax free state then it would be a flat $45. Are you paying via an online account with them, or buying the refill cards at Walmart? I think you pay sales tax if you buy t...
by burgrat
Thu May 29, 2014 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 49
Views: 5711

Re: Pay off huge student loan vs Investing

I am in a similar situation in that I have a large student loan at 2% fixed rate. The original amount was around $240,000 and I've paid it down to about $120,000 at this point (after 7 years). I could pay it off at this point, but I've decided to pay extra from time to time instead. I am also making...
by burgrat
Sun May 25, 2014 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Found Gift Card with $100 Bal; Any way to ID owner?
Replies: 7
Views: 1538

Re: Found Gift Card with $100 Bal; Any way to ID owner?

A lot of gift cards state to "treat this card like cash" and to register it on their respective website. If that person did register it, they can cancel it and have another one issued to them. If not, then it's like cash lost. Maybe they just lost it and will go to the site and cancel it. ...
by burgrat
Fri May 09, 2014 12:39 pm
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 3806

Re: Unethical Dentist? Advice please!

Get over it and move on. Otherwise you'll be seeing a different medical practitioner for ulcers. Please have some sympathy. If someone intentionally physically harmed you, wouldn't you be upset? Of course, we don't know for sure this happened, and we don't know both sides of the story, but why disc...
by burgrat
Mon May 05, 2014 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: 14 yr. old nephew wants to invest $600
Replies: 16
Views: 2374

Re: 14 yr. old nephew wants to invest $600

He can buy exactly one share of Apple today. It's a sign! :mrgreen:
by burgrat
Fri Apr 11, 2014 9:07 am
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 65
Views: 8541

Re: Passport, TSA Pre-Check, and Global Entry

I recently applied for Global Entry because I plan to do quite a bit of traveling over the next few years. Paid my $100 fee and applied, then a few days later received provisional approval after which I have to do the in-person interview. Well, I'm in San Antonio and the website says the interview c...
by burgrat
Wed Apr 02, 2014 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: "Investing" in gift cards
Replies: 32
Views: 4110

Re: "Investing" in gift cards

Hey $10 is $10. I wouldn't load up on any more of the cards or go over the amount you bought, but it's not a bad thing to buy the $200 gas card if you know you'll be using it over the next 1.5-2 months.
by burgrat
Fri Mar 28, 2014 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 863080

Re: best cash back credit card

tj wrote:I believe there are offers for 50,000 miles, so I wouldn't go for one that is 30,000.


Here's the link the 50k mile offer:

http://www.aa.com/pubcontent/en_US/disclaimers/BP-PLATHV.jsp
by burgrat
Tue Mar 25, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Cheapest tablet for Skype/video chat?
Replies: 6
Views: 2937

Re: Cheapest tablet for Skype/video chat?

With an iPad, you can use FaceTime which is free over wifi. The other person must have a FaceTime-enabled device, such as an iPad, iPod, iPhone, MacBook, etc. (basically an Apple device). That may be a deal breaker, but I use FaceTime a lot to talk to my friend in the Netherlands and it works great....
by burgrat
Tue Mar 18, 2014 8:26 pm
Forum: Personal Consumer Issues
Topic: Best car rental website?
Replies: 50
Views: 5876

Re: Best car rental website?

I use Hotwire as well. They are almost always the best price.
by burgrat
Tue Feb 25, 2014 2:45 pm
Forum: Personal Consumer Issues
Topic: Best place to buy bike parts
Replies: 22
Views: 2855

Re: Best place to buy bike parts

Try http://www.competitivecyclist.com. They are very knowledgeable, have great prices, and have an excellent return policy if you have any issues. Call and talk to someone there, they will be a able to help you.
by burgrat
Tue Feb 25, 2014 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Get Cheap Personal Loan & Invest It?
Replies: 72
Views: 5024

Re: Should I Get Cheap Personal Loan & Invest It?

I agree with the others. You can pay down your debt some and that's a guaranteed 3.5% return (get rid of the car loan, etc.). In simple terms, you would have to get a return of 6.5%+ in order to equal that return by taking care of some of the debt. There's no guarantee you will find a 6.5% return. I...
by burgrat
Mon Feb 24, 2014 11:01 am
Forum: Personal Consumer Issues
Topic: Free flights with Credit Card offers
Replies: 19
Views: 2281

Re: Free flights with Credit Card offers

I did the Southwest 50k one last year (annual fee was $69) which was a great deal. I just cancelled it as it was about to renew for $99 annual fee. I plan to do the USAir one (40k miles with 1st purchase, $89 annual fee) which is a good deal for me because I fly them often. I'll probably do the Chas...
by burgrat
Wed Jan 29, 2014 1:39 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 2550

Re: Does anyone have a bat house?

I believe the polite term is "mother-in-law quarters". :D
by burgrat
Tue Jan 28, 2014 2:45 pm
Forum: Investing - Theory, News & General
Topic: best financial podcasts for bogleheads?
Replies: 10
Views: 1963

Re: best financial podcasts for bogleheads?

I have PocketCasts and Downcasts, but I think both are a couple bucks. I prefer PocketCasts.
As far as podcasts, I love "Stuff You Should Know". Interesting topics and good hosts.
by burgrat
Tue Jan 28, 2014 10:11 am
Forum: Investing - Theory, News & General
Topic: best financial podcasts for bogleheads?
Replies: 10
Views: 1963

Re: best financial podcasts for bogleheads?

The one financial podcast that I listen to is the Financial Mentor (www.financialmentor.com), which you can get off his website or iTunes.
by burgrat
Sat Jan 04, 2014 11:10 pm
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 5117

Re: New cellphone

I would like to stay with Verizon since it gives me the best coverage where I live. Right now I am thinking about purchasing a new phone but do not want to sign up for another 2-year plan. Any suggestions as to purchasing a phone without breaking the bank and staying with Verizon? Have you consider...