Search found 4894 matches

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: 243
Views: 31885

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: 760

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: 49
Views: 3044

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: 23
Views: 2970

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: 23
Views: 2970

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: 616

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: 23
Views: 2970

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: 1107
Views: 86486

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: 3407

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: 1107
Views: 86486

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: 3573
Views: 1019143

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: 1107
Views: 86486

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: 6329

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: 3573
Views: 1019143

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: 8275

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: 6329

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: 8275

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: 6329

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: 13905

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: 13905

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: 13905

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: 13905

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: 12320

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...
by madbrain
Wed May 16, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86486

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

I have set 6 Roombas as my alarms and still sleep through all of them cleaning the house. This is a great example. Do you place the blame squarely on Roombas when you oversleep? May be we should make the example even stronger. How about in addition to the Roombas, you also set up good old alarm clo...
by madbrain
Wed May 16, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86486

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

Seriously, though, EAP is not full self driving. You can’t turn it on and take a nap. Which brings the question, what is proper use case for EAP ? Blaming the injured or dead drivers certainly isn't going to help sell it. Applying the brakes would seem like a really basic expectation in case an obs...
by madbrain
Sun May 06, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4593

Re: AMC Movie Theaters -- typical OR not?

It has been many years since I have been in a movie theater but we were visiting my daughter and she really wanted us to go with her to see a specific movie, so we went. The movie was playing in an AMC theater and I was pleasantly surprise how nice the theater was: limited seating so not many peopl...
by madbrain
Sat May 05, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Arghhh! Oven Door Fell Off Again! <Update post 15>
Replies: 15
Views: 1751

Re: Arghhh! Oven Door Fell Off Again!

inbox788 wrote:
Thu May 03, 2018 8:34 pm
BTW, 408 area code is Phoenix.
That would be news to much of Silicon Valley.
by madbrain
Sat May 05, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1019143

Re: What Movie Have You Recently Watched?

Just came back from "Bad Samaritan". Kept us on the edge of our seats, even though many parts of the movie are laughably implausible.
by madbrain
Sat May 05, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9589

Re: Warning: avoid Windows 10 update 1803

I dont know, but I think hardware has a lot to do with it? as well as the operator. Yes, you are right on both counts. There is just about an infinity of possible PC hardware combinations. It's not possible for Microsoft to test them all, and expect their updates to work. They should not be forced....
by madbrain
Tue May 01, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: 401k Stable Value Fund Rates?
Replies: 35
Views: 2554

Re: 401k Stable Value Fund Rates?

My stable value fund is with Galiard. 1.98% 1-year return.

YTD (Daily)* +0.67%

Average Annual Returns

1 Yr +1.98%

3 Yrs +1.82%

5 Yrs +1.67%

Life +1.76%

Not much to be excited about. I'm still invested in it given the fed policy of rising rates this year.
by madbrain
Fri Apr 27, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1794

Re: COMCAST - Modem / Router recommendation

I don't consider a mile to their node as excessive. The condition of their physical cable and their amplifiers is the issue. A poor connector at any tap, amplifier, splitter, or a cracked cable on their overhead line could create an intermittent frequency dependent suck-out trap, yet the pilot sign...
by madbrain
Fri Apr 27, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1947

Re: DIY Desktop PC

the GPU is integrated in the CPU, not the motherboard. it can handle 4K. The Intel GPU can only handle 4K with a DisplayPort monitor. It doesn't support HDMI 2.0 . For that, you will still need a discrete GPU. Some 4K monitors have both DisplayPort and HDMI 2.0, some only one or the other. And the ...
by madbrain
Fri Apr 27, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1947

Re: DIY Desktop PC

incorrect. it can handle 4K with HDMI 1.4. its not 60hz. please google. https://www.intel.com/content/www/us/en/products/processors/core/i5-processors/i5-8400.html I forgot about that, but IMO, 30 Hz refresh rate is not usable, and I would use a 4K monitor with HDMI on the built-in GPU. If the moni...
by madbrain
Thu Apr 26, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1947

Re: DIY Desktop PC

For the monitor you chose, the built-in GPU will be fine, unless you are a gaming afficionado. I would never pick a motherboard with build in GPU. What if the motherboard GPU die? You can always disable the motherboard GPU if there is an issue with it. I don't think this is common. If the GPU on th...
by madbrain
Thu Apr 26, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1947

Re: DIY Desktop PC

the GPU is integrated in the CPU, not the motherboard. it can handle 4K. The Intel GPU can only handle 4K with a DisplayPort monitor. It doesn't support HDMI 2.0 . For that, you will still need a discrete GPU. Some 4K monitors have both DisplayPort and HDMI 2.0, some only one or the other. And the ...
by madbrain
Thu Apr 26, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1794

Re: COMCAST - Modem / Router recommendation

No, I don't have Comcast Voice, just internet. I use Ooma for my home phone, so I assume Ooma just plugs into any router? I have Ooma also. And yes, it plugs into any router. But the modem and router may be separate. I personally use separate equipment for the modem, wired router and wireless acces...
by madbrain
Thu Apr 26, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1794

Re: COMCAST - Modem / Router recommendation

DOCSIS specs call for backwards comparability. Does not surprise me to hear that Comcast chose to not support the spec even though they tell you that you have to. The SB6121 does not have the channels to support 250Mb, but Comcast's system should have automatically adjusted to the max that modem su...
by madbrain
Thu Apr 26, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1794

Re: COMCAST - Modem / Router recommendation

1. Don't waste your money going for a Docsis 3.1 ( vs 3.0 ) unit, unless you need/want and Comcast can provide real GB+ speeds. The 3.0 spec supports speeds up to at least 800 MB. Not all 3.0 modems are created equal. The number of channels will vary. Eventually, Comcast will stop supporting 3.0 . ...
by madbrain
Thu Apr 26, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 1947

Re: DIY Desktop PC

Have been building my own PCs since the age of 12. It's always fun. I would agree to use a bigger PSU than 500W, if only to allow for separate GPU later, like when you upgrade to a 4K monitor, which the built-in Intel GPU may not handle. Also, for $85 you can likely find a decent SSD bigger than 256...
by madbrain
Thu Apr 26, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: State and fed tax credits - buying a Bolt electric vehicle before it’s needed
Replies: 20
Views: 1753

Re: State and fed tax credits - buying a Bolt electric vehicle before it’s needed

I will speak for the Bolt since I have been the secondary driver for over a year. - adaptive cruise control: absolutely love it. Will not buy another vehicle without it. Unfortunately, the Bolt does not have this yet. - lane keep assist and sway warning: beeps when I am leaving my lane unless I sign...
by madbrain
Tue Apr 24, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86486

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

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by madbrain
Tue Apr 24, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2767

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

LarryAllen wrote:
Tue Apr 24, 2018 9:30 pm
Math seems fuzzy but whatever works for you.
The math is very sound. But since you live in the "State of Confusion", I am not sure how I could better explain it to you.
by madbrain
Tue Apr 24, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1829

Re: Charles Schwab international ATM (worth the hard credit pull)

I travel internationally a few times a year. The ATM fees are minimal ($10-15 over the course of the year) so I don't worry about it. I don't care to open/track a new account for such small potatoes. That said, I absolutely keep a CC with no foreign transaction fees. Obviously, you don't travel to ...
by madbrain
Tue Apr 24, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2767

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

sounds like a big hassle to break even. Sounds like somebody does not understand how much those signup bonuses are worth. The value of a $600 signup bonus for $3000 is fairly typical these days if you fly coach. If you are flying business or first, the bonus could be worth much more, potentially. 1...
by madbrain
Tue Apr 24, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 438

Re: Credit Card Extended Warranties for Kitchen Appliances?

I don't know if the credit card extension includes on-site service. I am guessing that it extends whatever protection is provided by the manufacturer. I have had a number of appliance failures but none within the 2-year warranty period. There are things that will just wear out over time. I have a h...
by madbrain
Tue Apr 24, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranties for Kitchen Appliances?
Replies: 3
Views: 438

Re: Credit Card Extended Warranties for Kitchen Appliances?

I would buy new appliances with a Citi credit card, not Amex. All of them will add 2 years of warranty, up to 7 years total. If you purchase a 3 year plan, this would extend to 5 years. But it may not make sense to buy the extended warranty plan. If you have very high end appliances with expensive p...
by madbrain
Tue Apr 24, 2018 4:15 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2767

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Even as that website says that you can overpay your federal taxes and get a refund. This is a typical cash equivalent. I know that it doesn't appear to be on the AMEX radar yet but that is not a risk I would be willing to take considering the aggressive nature of AMEX RAT team. It could also be a r...
by madbrain
Tue Apr 24, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1107
Views: 86486

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

Interesting data. $35k is an average that includes a number of very expensive vehicles in the calculation. Bringing it back to Bogleheads and our approach to finances vs. the “mass market,” I am a little surprised by this since the median income in the US is in the $55k-$60K range. Spending $35k on...
by madbrain
Tue Apr 24, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2767

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Nate79 wrote:
Tue Apr 24, 2018 12:33 am
Which credit card? If AMEX, no I would not risk losing the bonus to the RAT team. If others in would only use it as last resort.
Paying taxes with AMEX is perfectly fine. See "how to meet the minimum spend" :
https://frequentmiler.boardingarea.com/ ... ar-gaming/
by madbrain
Mon Apr 23, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2767

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

As long as the bonus has a much higher value than the amount you are spending in fees, it is smart, IMO. There are other methods that can be used to meet minimum spending requirements using manufactured spending, but almost all involve some type of fee, and some work. For example, typically if you b...