Search found 4921 matches

by madbrain
Tue Jul 17, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 2870

Re: How much furniture spending is ok?

You are spending about 1.5 - 2% of your gross income on furniture and wondering if it's too much ? Of course it's OK. We have never made that much income, but have spent $30,388.21 on furniture the last 11 years according to Quicken. We do live in a large place - about 4700 sq ft. The year we made c...
by madbrain
Tue Jul 17, 2018 2:07 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5455

Re: Going solar?

Wow that is ALOT. Hopefully it goes down even more in the next decade A good chunk of the costs are now labor costs. It is not clear how much lower those can go. Likely will move in the opposite direction, even if parts become cheaper. But right now, with the tariffs imposed on foreign solar panels...
by madbrain
Mon Jul 16, 2018 2:38 am
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 91
Views: 10753

Re: Saving 20% of paycheck isn't enough

Forget about percentages and use actual numbers. For example : given $117,500 is government recognized lower income level in San Francisco Bay Area , you want a margin of error ie at least $150,000 per annum for living costs. Therefore when you get laid off at 50 you need $150,000 * (70 years - 50 ...
by madbrain
Mon Jul 16, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5455

Re: Going solar?

What technical problems did you face? Since there are zero moving parts in an electrical system, I have a had time understanding why there would be any issues after the initial burn-in period. As a comparison, I spent $18k before 30% tax credit and save about $200-$300 per month. How did this make ...
by madbrain
Mon Jul 09, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

There are plenty of CCS/SAE chargers suitable for long road trips in my Bolt around me. Drove 500 miles last weekend in fact. Still not true in California, unfortunately. I would not consider driving from San Jose to LA in my Bolt, due to there not being a single CCS charger on the shortest route, ...
by madbrain
Sat Jul 07, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5455

Re: Going solar?

DanMahowny wrote:
Sat Jul 07, 2018 4:01 am
Maybe people could sent their solar money to me and I'll pay their electric bills?

Pretty sure I'll make a killing.
Good luck with that. My electric bill would be in the $6000/year range without the 40 solar panels.
by madbrain
Sat Jul 07, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

:confused https://www.fueleconomy.gov/feg/Find.do?action=sbs&id=39786&id=39836 As I'm sure you are aware, "long-range" is an option for the model 3. But even the long-range M3 only has 30% more range than the Bolt. I'm not sure how significant a difference that really is, to be honest. I'm having d...
by madbrain
Fri Jul 06, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027654

Re: What Movie Have You Recently Watched?

I saw 2001: A Space Odyssey last night at the AFI Silver Theater for my 6th time seeing it in a theater. I'm pretty sure it was the 6th time. :confused A woman standing next to my in line asked me how many times I had seen it and after some reflection I came up with the previous 5 times. I've also ...
by madbrain
Fri Jul 06, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

I do acknowledge that the ScanSnap has some disadvantages as mentioned above. I use a Printer that is also a flatbed scanner/copier for those situations. My primary use for a scanner is to scan 10-50 single pages into one pdf document and the ScanSnap is perfect. The 1% of the time time I need some...
by madbrain
Fri Jul 06, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

kchico wrote:
Wed Jul 04, 2018 9:35 am
The model 3 is an amazing car no question about it and is recommended by Consumer Reports. No other car offers a similar or better range and it's current price point.
The Chevrolet Bolt certainly offers similar range, at a lower price point.
by madbrain
Fri Jul 06, 2018 4:42 am
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

By far THE BEST is a ScanSnap ix500 by Fujitsu. http://www.fujitsu.com/us/products/computing/peripheral/scanners/scansnap/ix500/ You won't be sorry you chose the best, believe me. No, I am not an employee of Fujitsu, just a well satisfied customer. Al What do you say this would do better than, say,...
by madbrain
Sat Jun 30, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

I could see that. My last car was an old Gen II Prius, so a lot of cars are luxurious to me. ;) I had a Gen II Prius, 2007 model . It was a fully-loaded model, as pretty much every car I have ever bought was. I found it quite nice. It has several things that my Bolt Premier lacks : - a CD changer ....
by madbrain
Sat Jun 30, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

Just a follow-up, I used an e-ticket theater today for the first time in months, and when you were checking in you were warned before placing the order, that this reservation cannot be cancelled or modified in any way, so that seems like fair notice re ur friend. I and 3 other movie pass holders en...
by madbrain
Fri Jun 29, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4664

Re: Can I buy a Tesla?

I wouldn't do it with the net worth you have. I have 25x your net worth and still not doing it. I own a Bolt and a Volt. Less current and income and projected income than you, though. But you just never know what life has in store for you. Don't count money you don't have yet. Spend out of current i...
by madbrain
Fri Jun 29, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

I think the Bolt's luxuryish. The Premier seems to be going for around $39k OTD if you're OK haggling, so about $10k less than the least expensive 3 currently offered, and it has leather/etc... At the same time, while both cars have options the other doesn't, the 3 is faster, has better range, supe...
by madbrain
Sun Jun 24, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4817

Re: "distilled" water for wife's CPAP machine

I drink, bathe, cook, brush my teeth and swim in water from the faucet. Interesting some folks in this 1st world country have 3rd world water. I think I answered my own question. There are different considerations for water that you put into your nasal passages, ie. things like neti pot or CPAP . B...
by madbrain
Sun Jun 24, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

Moviepass can also get you free popcorn...if you go to Regal theatres and join their loyalty program, you get points per movie, which add bonuses as you see more, so you can get a free popcorn after every 5 or so movies, along with half-price popcorn on Tuesdays (even less if you buy their discount...
by madbrain
Sun Jun 24, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

Moviepass to start implementing surge pricing for popular movies https://www.doctorofcredit.com/moviepass-to-add-surge-pricing-by-july-annual-plan-holders-exempt/ ...and MunEMaker will be cancelling his subscription as a result. Still a great deal... The fees have yet to be published. And the servi...
by madbrain
Sat Jun 23, 2018 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Are Better in the Morning
Replies: 13
Views: 2952

Re: Bogleheads Are Better in the Morning

What's this morning concept you speak of?
by madbrain
Sat Jun 23, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

So, I just got two emails from MoviePass today: Thank you for contacting MoviePass! Apologies for the delayed in our response. Due to the high volume of support inquiries, we have received an overwhelming response and in turn, have more than tripled our Customer Service team in order to reply to inq...
by madbrain
Sat Jun 23, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

Some competition for those who go to AMC: https://www.amctheatres.com/amcstubs/alist AMC Stubs A-List offered for $19.95+tax/month allows you to watch up to 3 movies a week, but unlike MoviePass does not exclude dine-in theaters, IMAX, Dolby or 3D films. It also allows you to reserve your movie (an...
by madbrain
Sat Jun 23, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

MrJones wrote:
Fri Jun 22, 2018 11:36 pm
It's 2001 all over again....
I have to say I really wonder what the MoviePass investors are thinking.
by madbrain
Sat Jun 23, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

2D movies at the Cinemark in my area are $8-9 in the afternoon and $10-11 in the evening. $15-20 per ticket would certainly change the equation. I just went to Incredibles 2 with my wife and almost 3-year old son for a 9:45 am showing at a 2-year old theater with huge reclining chairs and foot rest...
by madbrain
Fri Jun 22, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1720

Re: What do you include in your grocery budget?

I don't budget, but do track grocery expenses separately from others, even if they are on the same receipt. California makes it somewhat easy as it exempts all food items on a receipt from sales tax. Alcohol does get taxed, though and I count it as part of "Food:Groceries" in Quicken too. I track ot...
by madbrain
Fri Jun 22, 2018 4:16 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

I only used an e-ticket theater once like several months ago, so I am not familiar with all the peculiarities/bugs. I just mentioned the unlisted movie/wrong showing time for the other scenario you mentioned you tried to check in with a credit card and the showings weren't matching. Reinstalling th...
by madbrain
Fri Jun 22, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

I know this is an old post, but just wanted to point out, it's been 9 months and no one has had their rate for seeing too many movies. I am on a couple discussion boards related to MoviePass and no one has reported a rate increase. Good to know ! However, not being able to see the movie today with ...
by madbrain
Fri Jun 22, 2018 1:38 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

When you open up the MoviePass app and select a theater there is a unlisted movie time/theater option you can use to check in to a movie. I have used that one time when the app had the movie but the showing was incorrect (off by 30 minutes). I would just keep the receipt/stub for a while if you are...
by madbrain
Thu Jun 21, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37942

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

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. The big chains are pushing back on MP for fear of the devaluation of the exper...
by madbrain
Wed Jun 20, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Hedging RSU's
Replies: 11
Views: 839

Re: Hedging RSU's

Read the company's insider trading policy carefully. Most will prevent all current employees from trading derivatives, ie. hedging.
by madbrain
Mon Jun 18, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4817

Re: "distilled" water for wife's CPAP machine

I use water from a reverse osmosis system for the humidifier tank in my CPAP machine. No issues so far. Still have to clean the cartridge a couple times a week, though.
by madbrain
Fri Jun 15, 2018 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4004

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

IMO, nothing seems to be controlled by normal supply-and-demand economics there. Rather, it is controlled by politics. That may partially be true of San Francisco, but not so much for the rest of the bay area. Also, I have never heard that rent control ever applied to subletting, ie. individual roo...
by madbrain
Fri Jun 15, 2018 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4004

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

There's a lot of tech companies that offer everything at work -- in order to make you stay at work longer and do more work for free. You can eat, shower, exercise, get your clothes laundered and so on all on the company campus. I bet a lot of single techies who work in this situation probably only ...
by madbrain
Fri Jun 15, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Pay down interest only mortgage or invest?
Replies: 5
Views: 650

Re: Pay down interest only mortgage or invest?

Hard to give any useful advice without knowing your income, cash flow and other assets.
If the >2 million house is 10% of your net worth, don't worry about it. If it's >100% of your net worth, that's another story.
by madbrain
Fri Jun 15, 2018 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4004

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

5. Another question I have is: Why do people working in the SF Bay Area making 100-200k+ not rent rooms and instead choose to buy a RV/truck to live in? I don't get it... Do they not know rooms are available for less than $700/mo? Is this is a serious question ? I don't know anyone who would be wil...
by madbrain
Tue Jun 12, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

I also reserved a model 3 with a 1k deposit. After waiting at least a year for delivery, I decided that the price had become too rich for me. So I cancelled my reservation and received a return of my deposit. I am now thinking that a chevy volt would work best for my wife and I. We seem to travel m...
by madbrain
Sat Jun 09, 2018 4:05 am
Forum: Investing - Help with Personal Investments
Topic: Can someone look at this for me... Did I really lose all this money?
Replies: 16
Views: 3479

Re: Can someone look at this for me... Did I really lose all this money?

Do you have multiple accounts ? Did you do a backdoor Roth conversion ? In that case, money would have been withdrawn from one account (traditional) to into another (Roth). One report may be the combination of all your accounts, and the other for a single account. Really hard to say without having t...
by madbrain
Sat Jun 09, 2018 4:00 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

So, regarding one of the recent Autopilot crashes, the NTSB issued its report. It might seem like a nit pick, but the article says that the NTSB issued a preliminary report and the investigation continues. Yes, it's a report, even preliminary. And to blame the autopilot for clear human error is not...
by madbrain
Sat Jun 09, 2018 3:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027654

Re: What Movie Have You Recently Watched?

Hereditary . What started as a really interesting movie about hereditary mental illness turned into a completely non-sensical paranormal horror show full of gratuitous violence. Two hours I will never get back. Don't make the same mistake. I have no idea what 94% of the professional reviewers on Rot...
by madbrain
Fri Jun 08, 2018 3:43 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103905

Re: To take or not to take delivery of Tesla 3

So, regarding one of the recent Autopilot crashes, the NTSB issued its report. It looks like the car didn't just fail to break, but actually accelerated from 62 to 70 mph 3 seconds before the fatal crash. The driver appears to have had hands off the wheel at that time. Both are at fault, but I'm not...
by madbrain
Mon Jun 04, 2018 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6493

Re: Chase sapphire reserve versus BOF premium rewards

We keep both CSR ($450 AF + $75 AU fee) and the BoA premium rewards ($95 fee). Those are the only two cards with fees that we keep. The ME bonuses are more than $500, and you can rinse and repeat by transferring IRA one year to a competitor, and brokerage back the next year, etc. Can be a couple th...
by madbrain
Mon Jun 04, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027654

Re: What Movie Have You Recently Watched?

"Upgrade". Really good sci-fi dystopian movie.
by madbrain
Wed May 30, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8387

Re: Is inflation the greatest risk to retirement portfolios?

It's nice to know the property taxes are 0% where you live, nothing ever needs fixing in your house, insurance is free, etc. There is much more to housing expense than principal & interest. I would count utilities too. Having recently paid off my mortgage, in my case the rest is pocket change. I do...
by madbrain
Wed May 30, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6493

Re: Chase sapphire reserve versus BOF premium rewards

SVT wrote:
Wed May 30, 2018 8:25 am
Are you saying you get the ME bonuses multiple times by transferring the money back out and then back in? I've already used the taxable and IRA bonus. Can I get the ME bonus again?
Yes, you can get it again. And at many other brokerages too, if you have sufficient assets to move.
by madbrain
Wed May 30, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8387

Re: Is inflation the greatest risk to retirement portfolios?

For example, the official inflation rate has about 50% in the housing expense. But, if someone owns their houses, this part is essentially 0%. This wiped out 50% of the official inflation rate. It's nice to know the property taxes are 0% where you live, nothing ever needs fixing in your house, insu...
by madbrain
Wed May 30, 2018 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6493

Re: Chase sapphire reserve versus BOF premium rewards

UR points are worth at least 1.5 cents a piece. Not really. They are only worth 1.5 cents if you use them for travel through the Chase portal. Some travel options (certain hotels, rooms, flights) are not available through the Chase portal. In that case, 1 cent per point in the true low ceiling - ca...
by madbrain
Wed May 30, 2018 3:30 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14062

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

As for the logic, I would also accept a 30-year non-callable tax-deductible (at least until recently) car loan at a low interest rate. For example, I have not paid off my student loans at a very low interest rate, even though I have the cash to do so. The math says that investing the money in (for ...
by madbrain
Sat May 26, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14062

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Stepping back, I think you should enjoy the moment where you have the difficult decision, at age 36, to either pay off the $200k+ mortgage and own your house outright, or invest in your $1M+ portfolio. Sweet. +1 For all the strong opinions on this topic, in the end, the difference between either st...
by madbrain
Fri May 25, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14062

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by madbrain
Fri May 25, 2018 4:18 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14062

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I would pay off the mortgage, once you do that the house is yours and yours only, no one can take it away. What happens if you lose your job? On a related note, if I lost my job tomorrow, I would rather have $210K in the bank and a mortgage payment due every month, than $0 in the bank and a paid-of...
by madbrain
Wed May 23, 2018 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12501

Re: Chase Savings Account emptied out!

All they need is account number and routing number. Easy to find. Both numbers are printed on your checks. This was a savings account with no external transactions, or statements. You may want to read this thread too : https://www.bogleheads.org/forum/viewtopic.php?f=2&t=236760 It was a Chase savin...