Search found 42 matches

by notinuse
Thu Nov 15, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2187

Re: Did millennials really get the short straw?

Life for humans, on average, is better now than it has ever been.

https://www.gapminder.org/
by notinuse
Thu Nov 15, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 10
Views: 1125

Re: Lexus NX vs RX

For more pothole resistance, choose a model with smaller diameter wheels and taller side profile tires.
by notinuse
Tue Sep 25, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4957

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliz...
by notinuse
Fri Sep 21, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1634

Re: Universal Life article in WSJ 9/20/18

If you buy a 1 year term life policy when you are young, it is cheap. If you buy it when you are old, it is expensive. Sounds logical to me. The real question is, why are these people so hesitant to drop their policies in old age? It’s not like they “lost” any money - they paid for one year of insu...
by notinuse
Fri Sep 21, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6746

Re: My Very First Smartphone — Please Critique This Plan

since you are familiar with Tracfone you could just buy a smartphone and continue using Tracfone. we recently bought a new smartphone from Tracfone for right at $100. +2 If you're happy with Tracfone, you can port your existing account to a smartphone. I did that a few years ago, and I am using the...
by notinuse
Sat Sep 01, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA costs
Replies: 7
Views: 838

Re: IRMAA costs

...Sorry. That all came out clear as mud. Well, point is: the IRMAA landscape is evolving. Best actionable thing to do is to be aware of both your approximate MAGI and the IRMAA tier thresholds each year and try not to be "just over" a threshold if possible. Manage Roth conversions to do this. And ...
by notinuse
Sat Sep 01, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA costs
Replies: 7
Views: 838

Re: IRMAA costs

...Sorry. That all came out clear as mud. Well, point is: the IRMAA landscape is evolving. Best actionable thing to do is to be aware of both your approximate MAGI and the IRMAA tier thresholds each year and try not to be "just over" a threshold if possible. Manage Roth conversions to do this. And ...
by notinuse
Mon Jul 23, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5549

Re: High voltage powelines near house

How about those cell towers? They can popup anywhere and probably produce a lot more EM radiation, right? The issue is not EM radiation. EM radiation from power lines would only form at very great distances and would have miniscule power density. The issue is low-frequency (e.g., 60 Hz) reactive fi...
by notinuse
Sat Apr 28, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 5145

Re: Extended Warranty for Honda Odyssey - worth it?

So evidently, Hondas aren't as reliable as the other car buying threads on this forum would have you believe. Hm.
by notinuse
Sun Apr 22, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 7706

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tr...
by notinuse
Tue Feb 06, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 7706

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tr...
by notinuse
Tue Feb 06, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 7706

Re: Cheap cell phone plans

+1 On the HSN/Tracfone bundle. It is basically cheaper to get a new phone with the bundle each year than to pay for another years service. Some of them will include a years service and other will triple your minutes for the life of the phone. For his light use the years service is likely the best d...
by notinuse
Mon Feb 05, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 7706

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tra...
by notinuse
Mon Feb 05, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21651

Re: For BHs who actually like cars - what is your daily driver?

2017 Mustang GT with a manual transmission. It's my only car, which makes winter lots of fun. A buddy off mine came over one weekend in the middle of winter driving his new mustang gt. Two weekends later he came over with a different "new car". My wife asked., how many new cars he had. He stated th...
by notinuse
Sat Feb 03, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21651

Re: For BHs who actually like cars - what is your daily driver?

thangngo wrote:
Sat Feb 03, 2018 5:23 pm
Camaro. My daily driver 4 years and counting.

Image
Your Camaro looks great in that shot. :thumbsup
by notinuse
Sat Feb 03, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21651

Re: For BHs who actually like cars - what is your daily driver?

2007 Pontiac Grand Prix GXP for winter.
2001 Chevrolet Corvette Z06 for summer.
by notinuse
Wed Jan 10, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 2011

Re: Kenmore Washer Dryer

We replaced our dead washer last year. After some research, we found that a) all of these machines have been cost reduced to the point that they don't last, and b) the go-to "buy it for life" brand is Speed Queen. Old-school mechanism that never fails, built like a tank, etc. They sell just two con...
by notinuse
Tue Dec 12, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 4061

Re: Linux based laptop or just a Windows based laptop formatted?

I don't know, but my question is still unanswered. What's the point of a firewall when there are no daemons listening? When through ignorance or malice a process begins to listen on a port without the courtesy of notifying you? How many people know how to identify which processes are listening on a...
by notinuse
Tue Dec 12, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 4061

Re: Linux based laptop or just a Windows based laptop formatted?

I bought a $300-or-so Windows 10, ASUS, Intel Pentium laptop from Wal-Mart and was able to configure it to dual-boot to Windows and Ubuntu Linux. I can't remember all the steps it took, but I do remember that I had to disable secure boot, burn Ubuntu onto a bootable USB stick, and then boot to the ...
by notinuse
Mon Dec 11, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 4061

Re: Linux based laptop or just a Windows based laptop formatted?

I don't know, but my question is still unanswered. What's the point of a firewall when there are no daemons listening? As the sacrificial dunce, I'll raise my hand and say there would be no point. Now I'll wait and see if anyone disagrees. But here is some info I found earlier (see below). It basic...
by notinuse
Mon Dec 11, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 4061

Re: Linux based laptop or just a Windows based laptop formatted?

If no daemons are listening, which is typical for a desktop Ubuntu installation, what purpose does the software firewall serve? I guess the logical question is what happens when server software is installed. Will the software installation automatically turn on the ifrewall and configure it properly...
by notinuse
Mon Dec 11, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 49
Views: 4061

Re: Linux based laptop or just a Windows based laptop formatted?

Regarding your comment that a firewall is only for servers, that might be the worst piece of advice I've ever heard. A default firewall configuration that allows all outbound and blocks all inbound is recommended. If you ever connect to an unsecured network, this is basically required! A Windows ma...
by notinuse
Tue Dec 05, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 10479

Re: Growing Number of Electric Vehicles

Query. Are science and engineering students in USA still taught Imperial system? (Epsilon Delta has pointed out the US does *not* use Imperial measures but there is a lot of overlap, your gallon is just too small ;-)). BTUs, foot-pounds etc? That seems like a total nightmare. PMFJI, but I attended ...
by notinuse
Sun Dec 03, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 2075

Re: Buy Warranty for Bosch Appliances?

I do not buy extended warranties. I self-insure appliances.
by notinuse
Sun Nov 26, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 6196

Re: best cordless drill??

If its for odd jobs around the house then go for a corded drill. In a cordless drill, the battery will be dead when you need it. This is not true with the new Lithium Ion batteries. They do not lose a charge over time like the old NiCd or NiMh batteries used to. Really? So I can pull it out after 2...
by notinuse
Wed Apr 05, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 7534

Re: "the Truth About Your Future" - Ric Edelman's new book

Grt2bOutdoors wrote:It's going to be a while, most folks still like the "touchy,feely" of talking to a live human, seeing a live human. The current crop of "robo-advisers" are not doing such a hot job yet and charge too much for their "services".
The same might be said of most human financial advisors. :happy
by notinuse
Sun Oct 25, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 50
Views: 4867

Re: headphones for running

I've used Koss KSC75 Portable Headphones for a few years. $13 on Amazon, they have the same drivers as Koss PortaPros, but don't have a headband. I had too much trouble keeping earbuds in my ear canals.
by notinuse
Tue Jun 02, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: Recommendations for a Pedometer
Replies: 22
Views: 2710

Re: Recommendations for a Pedometer

PhysicsTeacher wrote:I like my Omron HJ-321. It has been reliable, and it costs about $17. My cell phone is from 2006 so it doesn't have a pedometer feature either. :happy
This is the same model my wife uses, and she has been happy with it. Reliable and inexpensive.
by notinuse
Tue May 12, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Any experience with plasma donation to boost income?
Replies: 67
Views: 12124

Re: Any experience with plasma donation to boost income?

I had a room mate in college who sold blood plasma a couple of times a week. He developed track marks on his forearms, and decided to stop. Didn't want to look like a drug addict (and this was during the late '70s).
by notinuse
Fri May 08, 2015 10:37 am
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 1801

Re: dishwasher service plan

We bought a kitchenaid dishwasher a couple of months ago and are being "offered the opportunity" to buy a service plan/extended warranty. Is this worth it? No. If service plans or extended warranties were cost effective for the consumer, how would the companies supplying them stay in business? The ...
by notinuse
Wed Apr 22, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 20771

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

Here is Car and Driver's EV comparison test from a year ago. They liked the Spark.
http://www.caranddriver.com/comparisons ... rison-test
by notinuse
Thu Apr 16, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 4015

Re: Proof vinyl has higher music ceiling than mp3?

I recommend anyone interested in digital audio to view the series of videos available here: https://wiki.xiph.org/Videos/A_Digital_ ... _For_Geeks

Monty does a very good job explaining how digital audio works.
by notinuse
Sun Nov 30, 2014 12:15 pm
Forum: Personal Consumer Issues
Topic: High quality winter sock
Replies: 35
Views: 5400

Re: High quality winter sock

I buy Fox River Socks from Mills Fleet Farm. Originally made in Appleton, Wisconsin and now made in Osage, Iowa. I wear their wool socks and hiking socks, depending on the weather.
http://www.foxsox.com/defaultEcomm.aspx
by notinuse
Mon Oct 27, 2014 1:14 pm
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 1886

Re: DVD-R, RW and VHS Player

So how do I record my movies if I am not supposed to use DVD or VHS formats and prefer not to sign up for TIVO or Netflix? Thanks. You could build a MythTV server or use Windows Media Center. If you don't want to build a system, you could use something like the Channel Master DVR+, http://www.chann...
by notinuse
Sun Aug 31, 2014 7:08 pm
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 12522

Re: How to become a millionaire retiree -- then and now

$24,600 annually in 1982 for electrical engineering. That was about average for the time, if I remember correctly. There weren't a lot of jobs available that year.
by notinuse
Tue May 13, 2014 9:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 74801

Re: Roll Call for the Retirement Class of 2014!

My last day was April 3 of this year, when I turned 55. It's the best decision I've made in a long time. :D
by notinuse
Fri Feb 14, 2014 8:02 pm
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 2915

Re: Reasons why you're choosing your tax software this year

+1 for TaxAct. I've used it the last few years, seems to work ok. Here is what I paid for it this year. TaxACT Online 2013 Ultimate Bundle for $13.95 includes: - TaxACT Online 2013 Ultimate Bundle - 1 free federal e-file - TaxACT Online 2013 State - 1 free state e-file (Additional state returns are ...
by notinuse
Sun Nov 10, 2013 3:58 pm
Forum: Personal Consumer Issues
Topic: "EasyCare" Extended Car Warranty for New Car?
Replies: 22
Views: 5282

Re: "EasyCare" Extended Car Warranty for New Car?

On average, extended warrantees are not cost effective for the consumer. If they were, the companies offering them would not be able to stay in business.
by notinuse
Fri Dec 14, 2012 11:04 pm
Forum: Personal Consumer Issues
Topic: How to get email to use gmail and not outlook?
Replies: 35
Views: 3194

Re: How to get email to use gmail and not outlook?

I used Thunderbird and Outlook Express for years for my (image intensive) dental forums. Big problem was accessing it from a few different machines. Gmail, is adequate for my needs. You can still use Thunderbird if you want, on multiple machines. Just access Gmail using IMAP instead of POP. Works f...
by notinuse
Sun May 29, 2011 7:18 pm
Forum: Personal Consumer Issues
Topic: My parents best advice ?
Replies: 65
Views: 7384

When I was a kid, my dad always told me "you can't live a champagne life on a beer salary". Still works for me over forty years later.