Search found 1239 matches

by mmmodem
Fri Jun 15, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3653

Re: I am STUNNED over how much help my friends recieved with house purchase!

In my sphere of influence, there is nothing stunning about receiving help with down payment on a home. There's nothing stunning about getting down payment to buy a car either. The ones who didn't receive help would be the outlier. We saved up the down payment for our home. My mom did offer but we re...
by mmmodem
Fri Jun 15, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: 28 with a wife and new baby
Replies: 31
Views: 2044

Re: 28 with a wife and new baby

We're a few years older than you but I can remember when we had our first child and going through the same decisions you did. I don't consider 4-5 months EF small. That's $3800 x 4.5 = $17100. Seems like a good healthy EF for a family of 3. Absolutely, HSA, 401k/403b, Roth IRA's were maxed out back ...
by mmmodem
Fri Jun 15, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Bumper Repair
Replies: 9
Views: 521

Re: Bumper Repair

Could've saved yourself another $30. I used a blow dryer and a piece of wood and popped it out myself. You can still see it. But I'd have to point it out to you, otherwise, you wouldn't notice it was there. Also, did you know the Camry dent is a thing? https://jalopnik.com/the-incredible-mystery-of-...
by mmmodem
Fri Jun 15, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: cooling upstairs floor without central AC
Replies: 19
Views: 1242

Re: cooling upstairs floor without central AC

The way we handle the second floor was to: 1. At night, open all the windows and doors so the second floor gets as cool as possible. 2. Open all the doors to encourage crosswinds. Air flows in from one window and out the other side of the house. I installed a fan on one of the windows to pull air in...
by mmmodem
Thu Jun 14, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1395

Re: Cheap, fuel efficient 2nd car commuting?

I had a paid off truck a few years back that averaged 20 mpg. I then got a job 50 miles away from home. That meant I would drive 25,000 miles a year. I quickly did the math and fuel costs alone exceeded the monthly payments for a new Civic and the gas to go in it. I sold the truck and got the Civic....
by mmmodem
Mon Jun 11, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or Rent as part of job move?
Replies: 5
Views: 439

Re: Buy or Rent as part of job move?

We just completed our 7th month here after the relocation. My company also paid for all costs so we decided to buy instead of rent. The loan agent did not approve, however, and said I could not get a second loan. He appreciated that this was a relocation and I would selling my home in a Bay Area, CA...
by mmmodem
Mon Jun 11, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3491

Re: The effect of a difficult last name on employment prospects...

My given first name is Dung. It is a strong name in my native language. The meaning is lost in translation though. When the judge gave me the opportunity to change my name gratis on my US citizenship, I took him up on his offer. At the ripe age of 12, I was glad to be rid of that name. No more pause...
by mmmodem
Mon Jun 11, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6516

Re: What commuter car provides the best long term financial value?

My 2012 plug in Prius gets 1 mpg better than a regular Prius at the time even if you never plug it in. This is due to having higher capacity Lithium versus NIMH battery which allows for more regenerative braking. With rebates, the vehicle cost me $500 more than an equivalent non plug in Prius. My si...
by mmmodem
Thu Jun 07, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6516

Re: What commuter car provides the best long term financial value?

It seems a lot of people are discounting a Prius because it only does slightly better highway fuel economy than a Civic. I got 45 mpg in my Civic on the highway. My Prius probably gets like 47 mpg. 2 mpg is hardly going to overcome the higher cost of the Prius. However, few people drive 100% highway...
by mmmodem
Thu Jun 07, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3347

Re: Upgrade to SSD for 5-year old desktop?

The machine in its current state is super fast and loads any program in about a second. I use it only for Office 2010, Quicken, web browsing, and a little video watching on YouTube and Netflix. Your computer is only worth about $100 at this point. I wouldn't put another $100 to this computer unless...
by mmmodem
Wed Jun 06, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6516

Re: What commuter car provides the best long term financial value?

I had a commute slightly more than yours at 25k miles yearly. I initially discounted the Prius due to its risky battery replacement cost. That was in 2006. I chose the Civic and drove it for 6 years and planned to continue for 6 more years if I could. California dangled the solo HOV access and thous...
by mmmodem
Tue Jun 05, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4588

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

We used to joke that a Physics PhD = a poor doctor when I was an undergrad. 10 years later, this has proven mostly true. You get the PhD because you truly love the science not because you want to make a lot of money. I found that a Physics degree didn't get very far at NASA JPL. I interned there but...
by mmmodem
Mon Jun 04, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4879

Re: Fitting three young kids in the car...

Comfort in the eyes of my, 7, 5, and newborn is a tablet with internet access with plenty of juice cups and snacks. We have one expensive Diono Radian in the middle, one rear facing seat and one carrier in the back of our Prius. It's a tight fit but we much prefer money in our wallets versus driving...
by mmmodem
Fri Jun 01, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Streaming TV and repeal of net neutrality
Replies: 15
Views: 1080

Re: Streaming TV and repeal of net neutrality

Just because it can happen doesn't it mean it will. Also, with net neutrality in place a few years ago, cell phone carriers were able to prioritize services to go at a faster speed. When Binge-On was first announced, T-Mobile was able to allow Netflix streaming for free but YouTube streaming would s...
by mmmodem
Fri Jun 01, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 27
Views: 2094

Re: What exactly causes a spring mattress to wear out?

I don't know what the mechanism is for mattresses to sag or become lumpy. However, I do agree with you on getting a firmer mattress to mitigate this effect. I guess I have the ultimate firmness for a mattress. I sleep on the floor. It never wears out. I replace the carpet (call it the pillow top if ...
by mmmodem
Fri Jun 01, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Car with best smell, pollution and noise insulation
Replies: 24
Views: 1883

Re: Car with best smell, pollution and noise insulation

My 2012 Toyota Prius has a cabin filter button. I've never seen this button on any other car. We drive down highway 5 between SFO and LAX often. If you know the drive, there are three areas of bovine pastures with air so putrid that with AC running and vents closed fails to keep out the odor. Someti...
by mmmodem
Thu May 31, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3097

Re: Home printer

It will not... costs exactly $3 less than I paid for my multifunction color laser printer. And the reviews above are eerily reflective of my experience with a much higher-end Epson WorkForce Pro WF-4630 . There is also a $900 Ecotank version . The reviews of the ET-2650 will get consistently worse ...
by mmmodem
Wed May 30, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3097

Re: Home printer

We went with a brother color inkjet. We still prefer to print in color. The cartridges were a lot less expensive. $10-$15. Print quality wasn't as good as HP or Epson but the low cost for ink was welcome. Like others said, we used online photo printing services for photos. Our next printer will be a...
by mmmodem
Mon May 21, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 1781

Re: Older iPhone text msgs disappear

Since you are just starting off on iOS, might I suggest Google voice? The benefit of GV is that it is platform agnostic. I had a BB and moved to an iPhone 4s a few years ago. I was very confused when I moved to Android a couple years afterwards and did not receive all my text messages. The problem w...
by mmmodem
Mon May 21, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3319

Re: Wifi + wired device

The easiest and lowest cost solution is to get a Powerline adapter. You only have to buy one thing. That's what I use to connect my vintage XBOX360 that didn't have wireless built-in to the internet. The only gotcha is that it doesn't matter how close or far the two adapters are plugged in. It depen...
by mmmodem
Sat May 19, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 12
Views: 1473

Re: Priceline hotels?

I exclusively use Priceline Express Deals to book my hotel stays. You don't know what hotel you're going to get in the area but in most cases I can calculate which hotel will be booked by the percentage savings from regular price. I also like that there is often just one hotel choice per star level ...
by mmmodem
Thu May 17, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2685

Re: What would you do? takes 6 months to fix a Tesla Model S

There's only about a month left of school before summer. It may take 6 months to repair your vehicle. It may only take 1 month. I'd rent a car on a weekly basis. You may only have to rent for a month and have the Tesla repaired by the end of summer. Next time, include rental coverage on your auto in...
by mmmodem
Wed May 16, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: sharing cars with two kids home from college?
Replies: 25
Views: 1582

Re: sharing cars with two kids home from college?

We shared our parents cars when we were home from college. When it was inconvenient for them, we bummed rides from friends. At no time did they discuss getting an extra car. I remember being called in to work for an extra shift, there was no way around walking the two miles home and back.
by mmmodem
Tue May 15, 2018 6:16 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2916

Re: How did you fall in love with investing?

While many in this forum may not like her investing advice, I was introduced to saving but Suzy Orman. I first saw her specials on PBS and just loved listening to her. I was always excited to go to my sister's house because she had cable. I tried to time my visits on Saturday night so I can catch an...
by mmmodem
Mon May 14, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 15
Views: 1554

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Likely, you will get a a mysterious charge from your rental car company weeks after the rental for the total plus an administrative fee. It was $30 plus $5 for the toll for me. When I protested, they sent me the camera picture of the vehicle with the time stamp and my rental agreement with my initia...
by mmmodem
Mon May 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5023

Re: keyless ignitions and carbon monoxide

Can't believe I'm saying this but I'm with the auto manufacturers on this. The root cause is not keyless ignition systems. The root cause of death is CO poisoning. Installing a shut off device on all new cars does not solve the issue. There may be other sources of CO pollution in the home The fix is...
by mmmodem
Fri May 11, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 2138

Re: Picking up New Subaru-Worth buying extended warranty?

The guy at the dealer said that everything is so computerized with this car that I should consider it. I wonder what the dealer used to say before cars were computerized to sell extended warranties? I've been fed that line since the 90's. Actually knowing a thing or two about computers, being compu...
by mmmodem
Wed May 09, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1704

Re: Another Vehicle Question

You can clearly afford it. You can clearly buy more if you wanted to. The question of should you would be a yes as well in my opinion. It makes no sense to me to be a miser when one brings in that kind of money. 1. The current vehicle is 5 years old. It's not exactly old but it's certainly not new e...
by mmmodem
Wed May 09, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 960

Re: Most economical way to move vehicles State->State

We recently moved to NH from CA. Relocation paid for the transport of our vehicles. If we had received a lump sum, we would've sold and bought new cars over here. They are not rare or valuable vehicles and thus easy to replace. Some things to consider: 1. Transportation took over two weeks. Relocati...
by mmmodem
Wed May 09, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5754

Re: How to handle problem employee

I consider it a failure for a manager that has to fire or otherwise transfer an experienced hard working employee. If the manager can't prioritize their time to sufficiently train their direct reports, then they are not effective managers. Perhaps that manager needs to delegate more so that they do ...
by mmmodem
Tue May 08, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 70
Views: 6639

Re: Is it time for me to change jobs or should I stay put?

If you do not have an advocate in management, then your chances of promotion are slim. Your situation is pretty much me a year or two ago. That is, I was underpaid despite being one of the harder working technical team members. It really doesn't matter what reality is on the work you do. If manageme...
by mmmodem
Mon May 07, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6244

Re: When to buy new underwear?

If it develops a hole in the “ahem” vital areas, I throw it out. If the hole is over a cheek for example, that’s fine. The only ones who will sees my underwear are me, my spouse, and the EMT. And hopefully none of us are saying anything. I don’t think I have decade old underwear but some got pretty ...
by mmmodem
Fri May 04, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Two Fund Across Three IRAs
Replies: 14
Views: 548

Re: Two Fund Across Three IRAs

Mathematically, all you have to do is take your largest account; My IRA, and buy both funds in it. You should be able to reach just abouy any asset allocation you prefer.
by mmmodem
Fri May 04, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: What Happens When A Car Dealer Goofs?
Replies: 12
Views: 2396

Re: What Happens When A Car Dealer Goofs?

Following up on another current post regarding a car dealer who rolled the metal then, a few days later, realized there was a goof requiring a co-signer. I'm curious what happens internally? Do car dealers have the ability to assume some of the liability on a loan that a bank won't make otherwise? ...
by mmmodem
Fri May 04, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2491

Re: SUV vs Full Size Car - Taurus or Escape

I drive both a 2010 toyota camry and an older boxy design, 2012 ford escape. The pluses on the carmry are a softer, quieter ride and better gas mileage, especially on the highway. The positives on the escape are: a better overall view of the road ahead, higher clearance above snow making getting st...
by mmmodem
Fri May 04, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2172

Re: Car rentals, what is the catch?

I noticed that too when I searched Miami. Here is my speculation: They are new rental brands trying to earn customer reputation so they have to attract you with low prices. They may be located far from the airport. I almost exclusively choose the lowest rental prices. I don't care for the branding. ...
by mmmodem
Thu May 03, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2491

Re: SUV vs Full Size Car - Taurus or Escape

We recently moved to snow country and swapped out both our hatchbacks for compact CUV's. DW loves the higher riding position and feeling of safety. I am indifferent on the higher driving position of my Ford Escape. I detest the abysmal fuel economy, rougher riding, and and worse handling of the Esca...
by mmmodem
Thu May 03, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5435

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

If reliability rankings were all that mattered, we'd all be driving Toyotas and Hondas. And if it were all about money, we'd all be driving used vehicles instead of new. We bought a Mitsubishi Outlander. Among other things, we know it's less reliable but it cost us less than a comparable Rav4 or CRV...
by mmmodem
Thu May 03, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.
Replies: 32
Views: 2117

Re: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.

No bathtub will make your home less attractive to most buyeRS. But if this is your last house and you're going to be there for another 20 years, get what you want. You wouldn't necessarily want to lower the value of your kids inheritance. But it's more likely your kids will want their parents to hav...
by mmmodem
Thu May 03, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6431

Re: Pay $2500 in rent or continue living at home

I can't imagine paying $2500 rent. I'd stay home as long as I possible and save as much money as I can. Only a few hundred leftover after contributing to a 401k doesn't sound like a lot. I understand there is a negative stigma on a single independent 35 year old professional staying at home with par...
by mmmodem
Wed May 02, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17777

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Just came here to update: none of our credit cards can be joint user, he can only be an AU... which is making more sense to me now because I thought we were joint owners because we opened the accounts together. The dealer seems to be back-peddling a bit now, after we told them we didn’t have a co-s...
by mmmodem
Wed May 02, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 13
Views: 1429

Re: Optum HSA Fee Increase Notice

Interesting how we have 4 different fee structures so far. Mine is $1 with a $500 average balance and $3 for investments.
by mmmodem
Wed May 02, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Optum HSA Fee Increase Notice
Replies: 13
Views: 1429

Re: Optum HSA Fee Increase Notice

I just checked my account and the fee is for an average balance of $500 :oops: (not $5000 ) You scared me there for a moment. :beer Curiously, my previous employer still pays that fee for me.
by mmmodem
Tue May 01, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: New job with HSA, previous job had FSA...can I use the HSA?
Replies: 3
Views: 360

Re: New job with HSA, previous job had FSA...can I use the HSA?

Ditto above. I switched companies midyear and essentially lost FSA money that was earmarked for an appointment in the second half of the year. It was small consolation that we were able to contribute the yearly max for an HSA. You can also have a dependent care FSA along with an HSA. It's the health...
by mmmodem
Tue May 01, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17777

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

First of all, ignore all the off topic comments. Second, you'll be fine. The dealer has a lot to lose if they repossess the vehicle as it will be difficult or illegal to sell as new again. They will want work with you. If the mistake is on their end for not doing a thorough credit check, they will h...
by mmmodem
Mon Apr 30, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2676

Re: What Android browser do you use?

Chrome on Android Chrome on iOS Chrome on Windows The trifecta. I tried other browsers but having bookmarks and history tied together on all the platforms that I use daily is what won me over. I can't browse with one hand. I didn't even know you could move the address bar to the bottom of the screen...
by mmmodem
Mon Apr 30, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3286

Re: Favors for Family/Friends and Getting Compensated or Not?

I don't mind favors for F&F as long as it doesn't cost me money. If it does, then I expect to be compensated or that it is a rare occurrence. I don't announce compensation broadly as some may get offended. There is no way to broach the topic as I understand it. You will always come out negative as s...
by mmmodem
Mon Apr 30, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 2754

Re: When to buy a new car (need to find a Boglehead way)

The Boglehead way to buy a car as I define it, is to buy a vehicle you can afford and be able to pay cash. The Boglehead way doesn't specify how long to keep the vehicle. You can lease a new vehicle every year if you like. The lowest cost of ownership will likely be to drive it until repairs cost mo...
by mmmodem
Mon Apr 30, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: First credit card
Replies: 21
Views: 1253

Re: First credit card

I was denied left and right when I tried to apply for my first credit card. I refuse to pay for a secured credit card or ones with annual fees. The only people that would give me a card was the gas station. So I used that for a few months. Then I started receiving solicitations for regular credit ca...
by mmmodem
Mon Apr 30, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Would you buy this? (Phone Question)
Replies: 18
Views: 1233

Re: Would you buy this? (Phone Question)

Typing on an iPhone 8 right now. You can guess what my advice will be. Be certain the phone is either unlocked or from Verizon. All Verizon LTE phones are unlocked. If not, have your brother call his service provider to unlock before he cancels service. Most companies do this for free if the phone i...