Search found 4934 matches

by madbrain
Fri Aug 10, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 9
Views: 743

Re: Piano Tuning - Cost and Recommendations

I pay $140 for tuning by my CPT twice a year for my 9ft2 Schimmel grand.
by madbrain
Tue Jul 24, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45252

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

As expected, customer service from MoviePass didn't resolve anything. I tried to cancel my account in the app, and it doesn't even let me !
The "cancel subscription" button in app does not even work. Does not respond to touch. SMH.
by madbrain
Mon Jul 23, 2018 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4603

Re: Real salary growth negative?

I got one 4% raise and one $5k bonus in the last 7 years at a Megacorp. I did have RSUs which went up, though. And ultimately got laid off with 10 weeks severance, 6 weeks before $25k worth of RSUs would have vested (annual vesting). Salary was definitely growing negatively vs inflation. The increas...
by madbrain
Mon Jul 23, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45252

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

Cinemark also has a Movie Club membership. It's not as interesting as it's $8.99/per month and only covers one ticket/month. It allows additional tickets at the same price. However, the unused tickets rollover, for example when traveling, or if watching more movies at AMC because of showtimes. And t...
by madbrain
Mon Jul 23, 2018 1:42 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45252

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

But you already know what movies you can buy with MoviePass, it's straightforward (for now ) 2d only, only reason to check MoviePass is it at the last minute to make sure there isn't some random error with the showing not being there on the app. Google or the theater site is the best primary resour...
by madbrain
Mon Jul 23, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Union Bank 18-month CD @ 2.75% APY
Replies: 33
Views: 3172

Re: Union Bank 18-month CD @ 2.75% APY

It appears you can get the ACC membership for free - the Andrews FU mentions this: “Note: If you are choosing to join Andrews FCU under the eligibility method of the American Consumer Council (ACC), and are not currently an ACC member, you should establish your membership with them before we open y...
by madbrain
Mon Jul 23, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45252

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

There was a $5.84 MoviePass surcharge. I agreed because I think we are suppose to get one waived per month. That was nowhere in the updated TOS, the CEO just said in an interview that will be rolled out later. It clearly warned you in plain english in a normal font size on check-in you would be cha...
by madbrain
Mon Jul 23, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Union Bank 18-month CD @ 2.75% APY
Replies: 33
Views: 3172

Re: Union Bank 18-month CD @ 2.75% APY

Andrews FCU is offering a 9-month CD at the same APY, with a minimum of $1K. Kevin Unless you qualify through another method (I don't), you also need to be member of ACC to join the CU, which costs either $8/year or $15/lifetime. That will reduce the yield a bit. I got the UnionBank mailer. The cat...
by madbrain
Sun Jul 22, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 359
Views: 45252

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

Had another terrible experience with MoviePass. We checked in for Equalizer 2 at 8pm at AMC Eastridge. There was a $5.84 MoviePass surcharge. I agreed because I think we are suppose to get one waived per month. Then, we tried to pay with our MoviePass cards, the cashier at the box office told us we ...
by madbrain
Sun Jul 22, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 33
Views: 4366

Re: Shopping for a new hot tub

letsgobobby wrote:
Sun Jul 22, 2018 11:41 am
Does Costco add years regardless or max out at two years total?
The Citi Costco VISA adds two years up to 7 years total. I thin most other Citi cards do the same.
by madbrain
Sat Jul 21, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Term Insurance Recommendations w/Pre-existing?
Replies: 4
Views: 409

Re: Term Insurance Recommendations w/Pre-existing?

Check if your employer allows porting or converting your life insurance policy after you retire.
by madbrain
Fri Jul 20, 2018 2:37 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4352

Re: Have you ever purchased a pricy musical instrument?

I bought a Schimmel K280T 9'2" piano for about $60K. And a French double harpsichord for $9500. I am playing the later much more these days. Also have a $3K double manual digital organ with MIDI pedalboard, but I haven't gotten around to learning to play with my feet yet. Not sure if I ever will suc...
by madbrain
Fri Jul 20, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Shopping for a new hot tub
Replies: 33
Views: 4366

Re: Shopping for a new hot tub

How about a year later? How do you like it? Actively shopping. Have narrowed it down to Artesian, Nordic, and Costco (the former two based on quality/durability and local availability by an extremely highly rated local supplier). There is a five-six person Artesian available for $5700 including tax...
by madbrain
Tue Jul 17, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 3106

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: 5956

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: 112
Views: 13833

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: 5956

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: 106629

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: 5956

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: 106629

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: 3656
Views: 1038851

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: 1339

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: 106629

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: 1339

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: 106629

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: 359
Views: 45252

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: 103
Views: 7181

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: 106629

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: 5028

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: 359
Views: 45252

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: 359
Views: 45252

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: 3064

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: 359
Views: 45252

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: 359
Views: 45252

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: 359
Views: 45252

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: 359
Views: 45252

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: 1784

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: 359
Views: 45252

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: 359
Views: 45252

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: 359
Views: 45252

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: 359
Views: 45252

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: 874

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: 5028

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: 4058

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: 4058

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: 677

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: 4058

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: 106629

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: 3510

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: 106629

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...