Search found 129 matches

by Matigas
Thu Nov 12, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Retention Rates
Replies: 69
Views: 6313

Re: Amazon Prime Retention Rates

Does Amazon Prime offer "retention rates" for those that want to cancel Amazon Prime. My subscription that I purchased last year with a Veterans Day discounted rate is ending soon. I am unsure if they will have the same promotion this year. I plan to cancel before it automatically renews....
by Matigas
Thu Oct 29, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 146
Views: 7527

Re: Help...we're getting a dog!

I do not really have much to add to most of the commentary above since it is mostly behavioral sort of stuff. I would recommend researching vets carefully. Compare prices, ask how emergency calls work, etc. We have had a vet where you could not leave for $500 no matter what. Always tests, prescript...
by Matigas
Wed Oct 21, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: What's the difference between mental accounting and having a budget?
Replies: 17
Views: 1303

Re: What's the difference between mental accounting and having a budget?

The difference is mental acuity, which declines as we age.

They both work.
by Matigas
Mon Oct 19, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4569

Re: Protein consumption strength training

I am having difficulty with the programs described. I do not feel comfortable with squats, particularly with heavier weights. Perhaps that is unwarranted concern, but there is a brand new hip in my body and a second one which will probably need replacement in a couple of years (no issue yet, but Dr...
by Matigas
Wed Oct 07, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: [Help high school student choose college career]
Replies: 171
Views: 1813

Re: Undergrad College List Options

Also look at Honors College within the state schools to which you may apply. Some Honors programs assure a spot in grad programs assuming stats are there.
by Matigas
Sun Oct 04, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: Finding Something in life?
Replies: 26
Views: 4160

Re: Finding Something in life?

Your friend might start with reading The Myth of Sisyphus, by Albert Camus.
by Matigas
Sun Sep 13, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Reasons to invest internationally, or not.
Replies: 191
Views: 11081

Re: Reasons to invest internationally, or not.

Are you diversifying to reduce volatility, or diversifying to increase performance?
Can you have both?
Can anyone truly define risk as compensated Vs. whateveryouwanttocallit?
by Matigas
Wed Sep 09, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants screening
Replies: 32
Views: 2734

Re: Tenants screening

As for whether or not to rent to the tenant you describe, did you do all the background checks, verify all the data on their rental application, and meet them personally and ask 5x as many questions as on your rental app? j :D +1 to this. Basically what I said in my above post, I think Sandtrap wil...
by Matigas
Mon Aug 31, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: Investors Were Warned.
Replies: 171
Views: 14499

Re: Investors Were Warned.

So we use past performance to prove that past performance proves nothing?
by Matigas
Sat Aug 01, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 12079

Re: Does a couple really "need" an SUV?

A big, heavy, SUV comes in quite handily when involved in a collision with another vehicle.
You don’t “need” an SUV to survive in this instance, but it helps.
by Matigas
Sat Jul 25, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating a Potential Purchase of Property in the Philippines
Replies: 29
Views: 2292

Re: Evaluating a Potential Purchase of Property in the Philippines

You are thinking about purchasing a property for the initial purpose of rental income, in a foreign country, where you will never be allowed to have any control or title to because you are not a citizen of said country? Let me guess, BIL thinks this will be an opportunity with unlimited potential, a...
by Matigas
Sun Jul 19, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Recommend 3 southern locales to retire!
Replies: 86
Views: 9852

Re: Recommend 3 southern locales to retire!

I'll give my top 3 of places I have lived or close family that I spent much time with: 1. Charleston SC: beach is right there and Medical University of South Carolina University hospital in city proper. Pros - health care, low taxes, excellent healthcare, plenty of history, excellent restaurants, w...
by Matigas
Sat Jun 27, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where should my nephew go to college?
Replies: 55
Views: 3660

Re: Where should my nephew go to college?

Starting point for a good student would be in-state flagship public university. Some states have more than one. If parents want to pay more they can. I would not encourage nephew or his parents to take out loans or sacrifice family's financial well being to pay for any private college. If they have...
by Matigas
Sat May 23, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 8048

Re: NJ property taxes too high. What are my alternative states?

I used to live in NJ and moved to coastal NC 4 years ago. Everyday I see more and more NJ/NY license plates and it’s great to see. NJ and NY are overpriced and besides the ability to have a city, offers nothing. Who wants to be charged a ton to live in the cold on unpaved roads? We have met our Yan...
by Matigas
Tue May 19, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 86
Views: 6593

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

Both have been incredibly reliable. You literally cannot make a bad choice here. The Ecoboost has been put through some crazy torture tests. To start, when they introduced it 10 years ago, an engine was picked off the line at random, and had this done to it: A production EcoBoost V-6 engine, serial...
by Matigas
Mon May 04, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Car rolled backwards in drive. Operator error
Replies: 23
Views: 2685

Re: Car rolled backwards in drive. Operator error

So the operator ran alongside the ENTIRE 10 feet? Amazing.
by Matigas
Sat May 02, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35426

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

An individual is most definitely not supposed to accept both PPP funds and PUA.
by Matigas
Sun Apr 05, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35426

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

It's up to $10k on the EIDL loan and from what I've read it will most likely be determined by the # of employees. Yes, it is definitely being based on number of employees. This has been confirmed in public comments by several SBA regional administrators on various conference calls. Thursday night, ...
by Matigas
Wed Mar 18, 2020 6:29 am
Forum: Personal Consumer Issues
Topic: Frozen 2 on Disney+
Replies: 2
Views: 403

Frozen 2 on Disney+

For those at home with kids right now, Frozen 2 is now out on Disney+.
A 7 day free trial is available.
by Matigas
Sat Mar 14, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15390

Re: So what does shutting down the US economy for a few months look like?

People speaking of fast food drive through only, home delivery of groceries. So we just assume food production and processing will just waltz along unaffected? Processing, transportation, distribution of food takes people too. This is the big elephant in the room. We can do with out many services. ...
by Matigas
Sat Mar 14, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15390

Re: So what does shutting down the US economy for a few months look like?

People speaking of fast food drive through only, home delivery of groceries. So we just assume food production and processing will just waltz along unaffected? Processing, transportation, distribution of food takes people too. It does but with minimal person-to-person interaction. Really? Have you ...
by Matigas
Sat Mar 14, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15390

Re: So what does shutting down the US economy for a few months look like?

People speaking of fast food drive through only, home delivery of groceries. So we just assume food production and processing will just waltz along unaffected? Processing, transportation, distribution of food takes people too.
by Matigas
Sat Feb 15, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12572

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

This way of thinking is odd to me. You'd prefer not to have a huge benefit because it may make you not want to leave? Is the 7% 401k match or completely subsidized health insurance premiums provided by my wife's employer "handcuffs" too? The "handcuffs" are in your head, you're ...
by Matigas
Fri Feb 07, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Merit Scholarships - Advice and Strategies?
Replies: 91
Views: 6800

Re: Merit Scholarships - Advice and Strategies?

Jablean wrote: Fri Feb 07, 2020 1:13 am Boise State's close, no beach but new arts building, honors college, College of Innovation, pretty good research stats. Weather is four season but mild. Scholarship would put her at in-state rates.
Boise State? 😂😂😂
by Matigas
Tue Jan 28, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16357

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

I don’t understand how, if the OP was on a TSA “list”, she was even able to get thru the security screening checkpoint. My niece was on such a list for awhile. All she knew was that every time she flew she was pulled aside for secondary screening. Every Damn Time. Nobody told her why or offered any...
by Matigas
Mon Jan 27, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested [UPDATED]
Replies: 125
Views: 16357

Re: Not allowed to board American Airlines flight - Forced to buy second ticket for same flight - Help requested

I don’t understand how, if the OP was on a TSA “list”, she was even able to get thru the security screening checkpoint. My niece was on such a list for awhile. All she knew was that every time she flew she was pulled aside for secondary screening. Every Damn Time. Nobody told her why or offered any...
by Matigas
Thu Jan 23, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 70186

Re: Larry Swedroe says "Goodbye."

So give us all an honest reply. Will anyone really miss the incessant debate over compensated vs. uncompensated risk?
After all, only experts in the field can define the difference.
by Matigas
Wed Jan 22, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Cost of living for a retiree in Alabama
Replies: 49
Views: 3694

Re: Cost of living for a retiree in Alabama

Some excellent advice given here. Not Alabama, but I live in a very rural area of North Carolina. A few points to consider. Check internet availability and cost in area you are considering. Our property values are low, but tax rate is $.88 per $100 valuation. You are going to want to let that air co...
by Matigas
Mon Jan 13, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Magic Kingdom for a day or fun resort / hotel?
Replies: 56
Views: 4102

Re: Magic Kingdom for a day or fun resort / hotel?

My personal opinion, Mickey Mouse is a gangster.
Spend your money elsewhere.
by Matigas
Thu Jan 09, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: travel from the U.S. to Europe given geo-political tensions?
Replies: 117
Views: 7874

Re: travel from the U.S. to Europe given geo-political tensions?

I've always ignored the chance of a terrorist attack when traveling as a very low probability event. We're starting to consider winter travel to europe and I'm sure we'll be easy to identify as Americans. I don't believe we have cause for concern but thought to see if middle east tensions have give...
by Matigas
Wed Jan 08, 2020 7:51 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5828

Re: What do you guys think about a career in insurance sales?

If you can’t do anything else, you could always be a teacher.
by Matigas
Fri Dec 20, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 16422

Re: yet another reason not to get a smart phone

If you have a landline and a phone in your home, all conversations in the home can be recorded without phone being taken off receiver.
by Matigas
Mon Dec 02, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 15311

Re: High income and college costs question

If you have a high income, yet spawn below average kids, college will be expensive if you choose to pay.
by Matigas
Thu Nov 21, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 126
Views: 15147

Re: College for average kids

My oldest daughter fits the "average kid" definition. She graduated with a mix of As and Bs and was about in the 70th percentile in her large HS graduating class so above the median but not top 10%. She had about an 1100 SAT so about median scores. We were living in TX at the time and she...
by Matigas
Fri Oct 04, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5862

Re: What Benefits to Expect for new Fed employee?

Expect to be rewarded for mediocrity.
by Matigas
Wed Sep 18, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 6659

Re: Don't confuse strategy with outcome:

Never confuse motion with action.
by Matigas
Tue Aug 27, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's "Bogle Site" gone, but most material available at johncbogle.com
Replies: 59
Views: 12970

Re: Vanguard's "Bogle Site" gone? Hopefully just a glitch.

. Here's a list of the speeches and op-eds on the Vanguard site. Yes, it's sorted in a dumb way. I figured I could sort the titles from the johncbogle.com site the same dumb way, but the moment, I find that it's not as easy as I thought to assemble a comparable list from the johncbogle.com site. 1 ...
by Matigas
Sun Aug 18, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 21898

Re: Selective Colleges

\I wouldn't waste any time applying anywhere one's scores put them below average unless they were legacy, recruited athlete, or an URM. Urm, what? :confused Don't bother applying to CalTech with ACT 34 or SAT 1500 URM is under represented minority if that is what you were asking about? Pretty sure ...
by Matigas
Mon Jul 29, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8995

Re: Do you buy the highest trim car ?

The cost of high dollar trim can be deceiving, often better to just rent, as the long term maintenance cost can be overwhelming. :beer
by Matigas
Wed Jul 24, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Car Check Engine Light
Replies: 29
Views: 1683

Re: Car Check Engine Light

Kenkat wrote: Wed Jul 24, 2019 2:15 pm A yellow check engine light is an emission control issue, not a mechanical issue with the engine. It could be as simple as your gas cap is not on tight or doesn’t seal well anymore. Next most likely thing is usually an oxygen sensor.
This statement is wrong.
by Matigas
Mon Jul 22, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of children
Replies: 49
Views: 2300

Re: Cost of children

Reference daycare expense, children need, and are supposed to be raised by their parents.
Anything else is detrimental to their wellbeing, and will cost exponentially in the long run.
by Matigas
Tue Jun 11, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 31
Views: 2830

Re: Luxembourg--worth visiting?

To keep it economics related, Karl Marx house and museum is located in Trier also. Frankfurt is close enough for a day trip. London is easily reachable by car, Zeebrugge Belgium to Dover. Definitely visit Patton’s grave. Across from American cemetery is a cemetery for German soldiers. No politics, j...
by Matigas
Wed May 29, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3763

Re: Its a Jeep thing?

The Jeep and the Toyota 4Runner are the only traditional body on frame 4x4 off road "real" SUVs left... and of them the Jeep is considered the more hardcore as its the only one that still has a solid front axle and I believe dual locking diffs. But either can handle more than most of the ...
by Matigas
Wed May 29, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3763

Re: Its a Jeep thing?

You showed your ignorance by not taking the offer.
by Matigas
Tue May 28, 2019 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 40
Views: 2772

Re: For Sale by Owner or RE Agent???

You can get listing agents/services for a very small percentage or flat fee. The value here is getting your property into the MLS for all other R/E sales folks to see. Try this first. You can always get an R/E agent at higher percentage/commision later if it doesn't work out. Nothing to lose by try...
by Matigas
Thu May 23, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [journal added]
Replies: 52
Views: 5461

Re: 3 Alpine passes in 3 days by bicycle

It is a beautiful sunny day in Bourg d’Oisans, a tourist town in a valley surrounded by snow-covered peaks. Think Lake Tahoe without the lake and only 3,500 people. It is a famous stop on the Tour de France as it is just below the Alpe d’Heuz and the road to the Galibier pass and other high peaks. ...
by Matigas
Sun May 05, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2673

Re: College Tours and Open Houses

In regard to the disparagement of fraternities on this thread, may I put in a dissent. My kids are middle aged now. My sons were both in fraternities as was I, though not the same one. I finished undergrad 49 years ago. During undergrad we helped each other academically and practically. The great m...
by Matigas
Sat Mar 23, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Why past performance does not predict future?
Replies: 70
Views: 3506

Re: Why past performance does not predict future?

I like how people use past performance to prove past performance is irrelevant.