Search found 199 matches

by cutterinnj
Sat Oct 21, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Where to park $100,000 safely for 2-3 years?
Replies: 16
Views: 1722

Re: Where to park $100,000 safely for 2-3 years?

Follow up question-
Is there an analogous fund that you could park money in vanguard that is similar to an ally account ?
by cutterinnj
Sat Oct 21, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 51
Views: 2092

Re: Paying for medical school for son?

Is your son an only child? If so, why not allow him to start off debt-free in a career that will afford him FI at a relatively early age with opportunities to do whatever he wants in the field (charitable medical work, own practice, whatever)? +1 +2 Best thing my dad ever did for me. 10 years into ...
by cutterinnj
Sun Oct 15, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 38
Views: 2604

Re: Antivirus Software Recommendations

On the few windows machines we run, windows defender is all we use.

Personally, I've used a Mac since 2013, and have never worried or thought about viruses.
by cutterinnj
Thu Oct 12, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2391

Re: Going First Class

Never done a first class flight; don't quite understand it.
I can watch the Netflix shows I downloaded to my phone sitting semi-reclined almost as well as I can fully-reclined.
Would rather take the money and have a nice meal (or 10) later.
by cutterinnj
Mon Oct 09, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13771

Re: Hope I'm not unwittingly wading into anything here...

Bogleheads: Folks who wish to optimize their financial portfolios by removing waste

MMM: Hippies who also follow Bogle.
by cutterinnj
Sun Oct 08, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1505

Re: What do you do with your empty inkjet cartridges?

We have a computer recycling shop not too far from us.
I drop off all consumed or broken electronics goods there

Ink carts I will either bring there or staples- staples used to give a small return for each- but now only do that if you buy a lot from them.

Still better than a landfill
by cutterinnj
Sun Oct 08, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2740

Re: Amazon Fresh & the value of your time

Update on our delivery today; (we've been getting 2 deliveries per week for approximately the past 4 months.) It is so nice to be able to get your groceries Sunday morning! USPS has pretty much always delivered on time. We are also glad that they are delivering more Whole Foods products; our closest...
by cutterinnj
Sat Oct 07, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7038

Re: Tips on Uber

Do people usually tip on Uber? How much? How, cash or on the app? No, I never tip. The cost of running a business should be built into the sticker price. So do you not tip at restaurants? Not tipping isn't the answer to this. The drivers don't get to choose whether or not to build in a tip. If you ...
by cutterinnj
Wed Oct 04, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: TV DVR Dilemnia: OTA or Satellite
Replies: 11
Views: 900

Re: TV DVR Dilemnia: OTA or Satellite

Consider a trial of hulu.
It had a lot of shows which aren't on Netflix.
by cutterinnj
Wed Oct 04, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6283

Re: MoviePass-Too good to be true, but it's legit.

Is there an easy way to start and stop service? Like if I only want it for December?
A bunch of films I would see in December...
by cutterinnj
Sun Oct 01, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2740

Re: Amazon Fresh & the value of your time

We have switched to using Amazon Fresh for ALL of our grocery needs. It is truly wonderful It is cheaper than our Shoprite. There have been some "quirks" in its use- they may forget something or pack something in a weird way. However, EVERY time they make a mistake, we call, and they give us credit ...
by cutterinnj
Sat Sep 23, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 1912

Re: Anyone used Amazon to buy household goods

We get pretty much everything from Amazon

Amazon fresh delivers all our groceries.

It's generally cheaper than shop rite, not even taking account the time saved.

We also get 5% back on all Amazon purchases with our Amazon card.
by cutterinnj
Thu Sep 21, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2331

Re: Time for a new laptop?

I moved over to Macs in 2013, having never used them previously. My Macbook air is now over 4 years old and runs great (actually faster than the day I bought it.) Minimal upkeep, never crashes. If you MUST use Windows apps, then just buy another Windows laptop- they're cheap, and it's cheaper to jus...
by cutterinnj
Sat Sep 16, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20197

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ... https://www.consumercellular.com/Products/821/Details ....but it's locked unti...
by cutterinnj
Sat Sep 16, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20197

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? You can't get it unlocked for $150; you can get it for $105 from SimpleMobile (TMobile), $140 for an AT&T Network, and $200 (maybe less?) for a Verizon network. After a year, y...
by cutterinnj
Sat Sep 16, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20197

Re: Iphone X is $1000

SE for $150 is the best bang for your buck. Same processor as the 6s Can you tell me where can I get unlocked SE for $150? I don't know of a place selling the SE for $150, but Consumer Cellular is selling it for $160 ... https://www.consumercellular.com/Products/821/Details I've seen the SE as chea...
by cutterinnj
Tue Sep 12, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20197

Re: Iphone X is $1000

iPhone X has some really cool things but it's too new. Give it a year; the iPhone XS, XI, or whatever they call the next one, will likely have most of the bugs ironed out. Plus, OLED screens should be cheaper by then. I'm quite happy with my 6S, and will continue to use it for at least another year ...
by cutterinnj
Thu Aug 17, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16230

Re: Lost $7000 today in ONE DAY!

A related question

Is there a way to buy more funds (vtsax, for instance) at vanguard WITHOUT looking at the balance?
It would psychologically help to not see it.

I know it's down.
I know I should buy.
But I really don't want to see how much it went down.
by cutterinnj
Thu Aug 17, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Magic Formula
Replies: 6
Views: 1053

Re: Magic Formula

The author has one of those cute little "books of investing" (John Bogle has one too)

I read it in 2006 and liked it. It was before I had money to invest. I planned on trying it but then never got around to it.
Glad I didn't
by cutterinnj
Sun Aug 06, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2015

Re: Trip to Maine

Literally just drove back from our Maine trip. with me, wife, 4 and 6 year old girls First 4 nights stayed in Kennebunkport; went on a 2-3 hour lobster cruise, walked around town, went to Ogunquit and some nature walks. Ogunquit was nice; use Uber to get around the town after parking your car and do...
by cutterinnj
Fri Aug 04, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 652

Re: Karaoke machine/system for home use

A different option would be a more multi-purpose machine with software; you can do this much less expensively vs a dedicated Karaoke machine. For example, we own a Playstation 3 which we bought for $200 about 5-6 years ago, and bought a piece of software called "Singstar"; it has microphones and a b...
by cutterinnj
Tue Aug 01, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6429

Re: Can I afford it ? [A new car]

Also, why is everyone jumping to Lexus? Lexus is not the best bang for your buck at 50-60k. At that price range, the Audi A6 and BMW 5 series are all better cars than the Lexus GS. But stating that the A6 and 5 Series "are better cars" at a price point is just as subjective as someone recommending ...
by cutterinnj
Sat Jul 29, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6429

Re: Can I afford it ? [A new car]

You can afford it, but let me ask you this- what does it truly do for you? I have a 2007 Lexus ES350- not an ultra-luxury car, but still considered (by many) to be upscale to low-end luxury; regardless, it looks pretty nice, and is very smooth. (Also pretty reliable, although I had to just get a new...
by cutterinnj
Thu Jul 27, 2017 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 1488

Re: Returning to College - Looking for Financing Advice

Do you need to go to a top 5 program, or do you merely need the MBA credential to advance?

If it's the latter, you could do a part time MBA for about 30k and spread it out over several years (and still work), which should have minimal effect on your finances
by cutterinnj
Sun Jul 23, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for xfinity
Replies: 6
Views: 731

Re: Is this a good deal for xfinity

We pay $70 per month for fast internet (200mbps), basic HD cable, HBO (including streaming) and Showtime (including Streaming. Xfinity will throw free HBO into just about any basic plan- that's all you need for GOT. add in Netflix or something for $10, and the extra $90-100 they want you to pay seem...
by cutterinnj
Sun Jul 23, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10712

Re: Is Amazon Prime worth it?

OP, I think as with other memberships and credit cards with annual fees, it's only worth it if you're going to use it a lot. I don't think it's prices anymore that makes Amazon competitive to brick and mortar stores, but rather a wider selection of products. Another benefit with Amazon Prime is bei...
by cutterinnj
Sat Jul 22, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10712

Re: Is Amazon Prime worth it?

100% worth it. We order just about everything from Amazon, and get it in no more than 2 days. No having to drive or put the kids in the car. Customer service is second to none- they refund you for pretty much anything, no questions asked (and often don't even want whatever it was back.) Over the pas...
by cutterinnj
Sat Jul 22, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 24268

Re: Netflix, Your Current Favorite Show

Netflix things I'm watching now: Orange is the New Black Season 5- it's a bit out there at this point, but entertaining Master of None Season 2: Aziz Ansari; acting is maybe a bit off by the supporting characters, but a good show Schitt's Creek: Finished what was on Netflix recently; waiting for mor...
by cutterinnj
Sat Jul 15, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5370

Re: Cutting the Cord: Who's Best?

We have Netflix and hulu- we use Netflix way more, but we have family members who use our Hulu so we've kept it We have Amazon prime like just about everyone else, so we get that streaming service too. We have basic Comcast cable only because they won't sell us internet alone (they actually will, bu...
by cutterinnj
Thu Jul 06, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14827

Re: Are you finding any good values at Amazon anymore?

Amazon offers the same (and in some cases, the lowest) prices on thousands of items; the main benefit is they ship it to you for free, next day. They make things incredibly easy to order from, and offer an easy way to give gifts (safer than handing cash, and almost as versatile.) Over the past few w...
by cutterinnj
Sun Jul 02, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: What happens if the fund provider goes bankrupt?
Replies: 12
Views: 1693

Re: What happens if the fund provider goes bankrupt?

Hello everyone, So, lately I've been trying to get a better idea of the safety of my investments and the probability of losing them. I invest in ETFs through a broker and, as far as I could understand until now, if the broker goes bankrupt, my investments are safe because they're still in my posess...
by cutterinnj
Sat Jul 01, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 4023

Re: FIREcalc says I can retire. Should I ?

Is there an easy, part time position you can get that will pay for health care?
by cutterinnj
Thu Jun 29, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2445

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by cutterinnj
Wed Jun 28, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 2445

Re: Pre-owned Acura's... Value of 'Certified'?

Cpo is just a marketing gimmick. You still need to get it checked by your mechanic before you buy. From consumer reports: . Most important, just because a car is certified does not necessarily mean it is trouble-free. Consumers have taken legal action claiming that certified inspections were not pr...
by cutterinnj
Wed Jun 28, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 109
Views: 12211

Re: Luxury Car

Not really "luxury" but still pretty nice; I buy used Lexus ES's that are 5-7 years old; they are at the optimal part of the depreciation curve, so they are relatively cheap; they are based on the Camry, so they are very reliable, and cheap to maintain. They drive smoothly (albeit boring) and they a...
by cutterinnj
Tue Jun 27, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2403

Re: Cruise With The Grandkids

We love cruising. We've taken our kids on plenty, including NCL, Royal Caribbean, Princess (NOT FOR KIDS!), and just came back from MSC. We would love to do Disney, but the price is astronomical compared to anything else. We (the 4 of us) just did MSC Divina out of Miami on a part of the ship called...
by cutterinnj
Sun Jun 25, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4050

Re: Worthwhile TV programming?

I picked up Netflix but my god, it's full of crap once a viewer has finished every episode of Mad Men, Breaking Bad and the like wish I didn't agree but I do. I've subscribed to it more then once for a month at a time but found myself scrolling through 100s of things that were less then appealing s...
by cutterinnj
Sun Jun 25, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4050

Re: Worthwhile TV programming?

Funny raunchy adult comedies (not for everyone... but absolutely hilarious)

Archer- Hulu and Netflix
It's always sunny in Philadelphia- Hulu and Netflix
Schmitt's Creek - Netflix
South Park - hulu
by cutterinnj
Sun Jun 25, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 1213

Re: HP Laptop - Black Screen - Help

As one poster here suggested, connect an external monitor to the laptop's monitor port. If you see a display there, then this tells you that the laptop is at least booting up and that there is a hardware problem with the laptop's display. In that case, two possibilities come to mind: (1) you have l...
by cutterinnj
Sat Jun 17, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4309

Re: Suggestions for password storage services?

I use Apple iCloud passwords.

Downside is it only works on my Mac.
by cutterinnj
Sat Jun 17, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3773

Re: Metropcs iPhone SE $200

Actually, even better; Walmart has the iPhone SE for $159 with Straighttalk, which is also AT&T; the phone may also work on any AT&T network as well (Cricket.) Would go with that. https://www.walmart.com/ip/Straight-Talk-Apple-iPhone-SE-32GB-4G-LTE-Prepaid-Rose-Gold/911239434?wmlspartner=wlpa&select...
by cutterinnj
Sat Jun 17, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Metropcs iPhone SE $200
Replies: 42
Views: 3773

Re: Metropcs iPhone SE $200

My MIL is with Straighttalk Wireless. Cricket, just like Straighttalk, uses AT&T; any AT&T phone will allow you to continue on Cricket. I bought her the iPhone SE 32GB for $200 from the AT&T store, slipped the sim card into it, and used it without any fuss. Would recommend just getting the AT&T vers...
by cutterinnj
Sun Jun 04, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 22
Views: 2629

Re: Edward Jones

3redgeraniums wrote:I have been advised to go with Edward Jones to take care of all my financial needs as I prepare to retire.
I am 65. My net worth is $173,000.
Is this a wise move?
There is no reason to ever use Edward Jones. I can think of no circumstance where using EJ would be a "wise move."
None.
by cutterinnj
Sun Jun 04, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 14107

Re: High Income Earner Humbly Seeks Advice

I just received in the mail a very nice flyer of a new dental practice in town. The photos used were of the dentist, their spouse, and their adorable children all with fantastic smiles! I bet those kids got paid modeling fees for this bit of marketing. I have heard of dentist doing it for their pra...
by cutterinnj
Sun Jun 04, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 14107

Re: High Income Earner Humbly Seeks Advice

How old are your children? How are you putting 5k into Roths for them?

I have 4 and 6 year olds and wanted to start funds for them, but my accountant (and the folks here) told me it would be illegal unless they are truly doing 5k of work, which is hard (impossible?) to do for a 6 year old.
by cutterinnj
Sun May 07, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3731

Re: Swing Set 2700.00??

We have one from Creative Playthings which we got around 5 years ago; I think it was around 3k, including installation. Interestingly, it was installed by a single person (!!!) who took most of the day. Pretty nice wood, with a little clubhouse at the top (with slide.) I'm guessing you can get it us...
by cutterinnj
Sat May 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 8690

Re: Stay home with kids?

I've been in a bit of an existential crisis lately, and I'd like to hear the Bogleheads' thoughts. Some background on our situation: ⋅ 2 working parents in their late 30s ⋅ 2 young kids, 1 in full-time preschool and 1 school aged ⋅ $6MM savings (windfall), $550k/yr inc...
by cutterinnj
Sat May 06, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 3373

Re: Honda vs. Mazda vs. Ford

I'm not sure it makes sense to buy new. I bought a used Lexus ES 350 ( essentially a more comfortable Camry) with about 60,000 miles on it for right around 15,000. New it would be about 35,000. Four years later, it has had minimal amount of work and runs great. I can't imagine I would've gotten 20,0...
by cutterinnj
Fri May 05, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1319

Re: Does Your Doctor Take Funds From Drug Companies?

This is largely meaningless. I "took" $486 last year. I can assure you that I did not take one penny from any drug rep Drug reps stop by and drop off a plate of sandwiches or a few pizzas for my staff. They then put my name down with their company to prove that they did not embezzle the mo...
by cutterinnj
Tue May 02, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 4116

Re: Buying a diamond ring

Bought one from Blue Nile 8 years ago.

No fuss, no muss; very nice gem.

"Appraised" for 6k higher by a local Zales