Search found 1911 matches

by Saving$
Thu Jun 04, 2020 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Separate Aggregator Service Login; Security
Replies: 2
Views: 174

Re: Separate Aggregator Service Login; Security

What is the name of the institution that offers this? It seems like a great idea, but maybe I'm missing something. Looking forward to the discussion,
by Saving$
Thu Jun 04, 2020 2:52 am
Forum: Personal Consumer Issues
Topic: Chicago Home addition: 42K for bed/bath addition reasonable?
Replies: 14
Views: 1003

Re: Chicago Home addition: 42K for bed/bath addition reasonable?

$42k for a 10x16 space is $263/sqft. What is the price for homes per sqft in your area? How much per square foot is your current home worth? This may give you some perspective. If it's 100 then your home value won't necessarily increase by 42k, if it's more than 263 then you are coming out ahead. +...
by Saving$
Thu Jun 04, 2020 2:50 am
Forum: Investing - Theory, News & General
Topic: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé
Replies: 42
Views: 3305

Re: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé

You did not indicate when your fiance is due, especially in relation to when you close on the new house. Also, do you plan to keep your current job when you move and commute, or did you plan to quit after you move and look for a new job? Given that you are buying the new house with 30% down and the...
by Saving$
Tue Jun 02, 2020 1:04 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 335
Views: 39995

Re: How much is your cell phone bill?

BrownEyedGirl_27 wrote:
Tue Jun 02, 2020 12:17 am
$61.50
2 lines
Verizon auto pay, prepaid, 6 GB per line
Decent to great service most of the time, even in rural areas
+1
by Saving$
Tue Jun 02, 2020 1:00 am
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1717

Re: Can I use my pressure washer compressor for a pneumatic nail gun?

I own a Sun Joe pressure washer which has a low (1450) and high (2030) psi setting. Is it possible to use this as the air compressor for a pneumatic nail gun such as this: nail gun at Home Depot ? Point is to not have to purchase an air compressor that otherwise will just sit in the garage. I under...
by Saving$
Tue Jun 02, 2020 12:49 am
Forum: Investing - Theory, News & General
Topic: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé
Replies: 42
Views: 3305

Re: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé

You did not indicate when your fiance is due, especially in relation to when you close on the new house. Also, do you plan to keep your current job when you move and commute, or did you plan to quit after you move and look for a new job? Given that you are buying the new house with 30% down and then...
by Saving$
Sat May 30, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a comfortable desk chair on a budget
Replies: 31
Views: 1669

Re: Suggestions for a comfortable desk chair on a budget

Costco Bayside office chair. Often on sale for $80 but about $120 regular price is still worth it. Usually on their website but they must be sold out..
by Saving$
Sun May 24, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3294

Re: Advice Needed regarding debt

Condolences on the loss of your sister, and to your niece on the loss of her mother. Given your sister just passed last week, I wonder if your and / or your niece's enthusiasm for addressing this issue is part of your grieving process, in that people often seek to throw themselves into other issues....
by Saving$
Sun May 24, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: ADT security - cost
Replies: 13
Views: 1052

Re: ADT security - cost

We would like the system to be wired and since our house is prewired it works out. If it wasn't wired then we would definitely go the wireless route and get Simplisafe or a similar service. The main issue is that we recently purchased this house and we're not sure if the wires work. Getting ADT wou...
by Saving$
Sun May 24, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 56
Views: 5322

Re: Should I pay $1,600 for this lawn care fix?

I would not hire a landscaper to do this unless they have proven experience doing it. In my area there are specialized lawn leveling companies that do nothing but leveling. I would get a price from one of them and lean toward hiring a company that specializes in this if the price is anything close....
by Saving$
Fri May 22, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 56
Views: 5322

Re: Should I pay $1,600 for this lawn care fix?

I would not hire a landscaper to do this unless they have proven experience doing it.
In my area there are specialized lawn leveling companies that do nothing but leveling. I would get a price from one of them and lean toward hiring a company that specializes in this if the price is anything close.
by Saving$
Wed May 20, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3582

Re: Safely disinfecting frozen food packages from corona virus?

Frozen foods that come in a plastic bag package such as a bag of vegetables, frozen fruit, Costco tortellini etc = dunk the plastic container in soapy water and wipe it entirely with soap, then rinse off and put in freezer Frozen foods that come in cardboard such as pizza = wipe off the cardboard bo...
by Saving$
Fri May 15, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donations from IRA
Replies: 11
Views: 525

Re: Charitable donations from IRA

You can deduct $300 this year even if you don't itemize. Beyond that it is just as advantageous to donate via QCD as it was to keep track of your donations and itemize when you qualified for that. Another way to look at this - If you are currently in a 15% or so tax bracket, you take $100 out of you...
by Saving$
Tue May 12, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Online Interior Designer experience
Replies: 5
Views: 589

Re: Online Interior Designer experience

Bumping as I am also interested in the responses you get to this...
by Saving$
Mon May 11, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Covid-19 Customer Service, buying experiences
Replies: 3
Views: 462

Re: Covid-19 Customer Service, buying experiences

Worst: Regional Chain grocery, Home Depot, local restaurant doing takeout that was openly flaunting social distancing and having people gather in a party atmosphere in the parking lot where they were selling alcohol from an outdoor bar. Best: Costco and a few different local restaurants (by far the ...
by Saving$
Mon May 11, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Picking a bank for an estate account
Replies: 8
Views: 422

Re: Picking a bank for an estate account

When I had to do this I was advised to select a bank with branches in the locality of the deceased as well as where I lived. I made the mistake of selecting Wells Fargo. AWFUL TERRIBLE experience. Never again. If the credit union is not responsive, find a nice local bank. Ask around locally. Whatev...
by Saving$
Mon May 11, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4828

Re: 90%+ chocolate bar

https://www.xocolatlchocolate.com/ If you can afford it, well worth it. They have a 100%: https://www.xocolatlchocolate.com/store/p40/Pure_100%25.html and an 85%: https://www.xocolatlchocolate.com/store/p50/San_Martin_de_Pangoa%2C_Peru_85%25.html I prefer this 73%: https://www.xocolatlchocolate.com/...
by Saving$
Mon May 11, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Picking a bank for an estate account
Replies: 8
Views: 422

Re: Picking a bank for an estate account

When I had to do this I was advised to select a bank with branches in the locality of the deceased as well as where I lived. I made the mistake of selecting Wells Fargo. AWFUL TERRIBLE experience. Never again. If the credit union is not responsive, find a nice local bank. Ask around locally. Whateve...
by Saving$
Sun May 10, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 951

Re: Simplest Coffee Cold Brew Systems

Poorman wrote:
Sun May 10, 2020 6:42 pm
I just use a big french press. Simple, effective. Don't need to purchase another tool for the shed...
+1
by Saving$
Sun May 10, 2020 11:02 pm
Forum: Personal Investments
Topic: Update: Taxable Portfolio Complete; Need Roth IRA Help
Replies: 16
Views: 968

Re: Update: Taxable Portfolio Complete; Need Roth IRA Help

How much do you have in taxable? How much in the Roth? (we know the total of the two is $9k) How much are you putting in your employers 401k/403b? 1. You should not have a taxable account until you max out Roth and max out 401k/403b 2. You should not have $112 or whatever it is of a high cost fund. ...
by Saving$
Thu May 07, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3156

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

Is there any possibility a mistake could have been made when entering information on the FAFSA? Can your brother live at home to save money? I think you are being such a kind sibling to want to help your brother out. I wish you the best! Thank you for the kind words! 1) No mistakes made entering FA...
by Saving$
Wed May 06, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: Considering getting an espresso maker - thoughts?
Replies: 52
Views: 2842

Re: Considering getting an espresso maker - thoughts?

Peet's Nespresso pods contain 7 grams of coffee. At $40 for 80 pods, you are paying over $32 a pound for coffee. Well, $10 a pound for coffee (the price for Peet's beans at Costco) and $22 for ??? A heresyyo Bogleheads may be that noy everything is measured by money. Guarantee my nesspresso pods an...
by Saving$
Wed May 06, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3248

Re: Should you tip landscapers?

I was not sure a tip would actually get to each of the guys. So on the last day I took orders for a local burger/steak joint for lunch for each of them, so I know they each got a great lunch. Throughout I offered gatorade (their company supplied water). They were very appreciative and I got the impr...
by Saving$
Wed May 06, 2020 7:36 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3029

Re: How do I get out of home a partnership agreement?

I helped my brother get into a house by putting 20% down and being on the loan / title. He lives there and makes all the payments, repairs, taxes, etc. He told me he would sell the house after two years, give me my 20% down payment back, plus 50% of any profits above our purchase price. The house h...
by Saving$
Tue May 05, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: No sidewalk ramp or a steep ramp?
Replies: 14
Views: 1099

Re: No sidewalk ramp or a steep ramp?

1. Their installation is not compliant. They need to install a curb cut. 2. The curb cut itself must have a slope not more than 1:12 (8.33%) from the bottom of the curb (street gutter) to where the ramp meets the sidewalk. 3. The curb cut must have detectable warning strips 4. None of this has anyth...
by Saving$
Mon May 04, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5104

Re: Where do you back up your important data?

I use Carbonite which works seamlessly in the background so I never have to think about it until I need it. It is also really nice when it comes time to upgrade my computer and I can download all those files from the cloud back onto my computer and then make sure everything is syncing nicely. Carbo...
by Saving$
Sun May 03, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: HVAC Proposals - Any Thoughts
Replies: 14
Views: 1155

Re: HVAC Proposals - Any Thoughts

Option 3 if this is a financial decision. With a difference between 93% and 95% you will never recover the $1400 cost premium in the life of the equipment. If you lean toward Option 2 because you are willing to pay a premium due to environmental concerns, use the $1400 to do significant air sealing...
by Saving$
Sun May 03, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: HVAC Proposals - Any Thoughts
Replies: 14
Views: 1155

Re: HVAC Proposals - Any Thoughts

Option 3 if this is a financial decision. With a difference between 93% and 95% you will never recover the $1400 cost premium in the life of the equipment. If you lean toward Option 2 because you are willing to pay a premium due to environmental concerns, use the $1400 to do significant air sealing ...
by Saving$
Thu Apr 30, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Xfinity Flex: Is there a catch?
Replies: 2
Views: 628

Xfinity Flex: Is there a catch?

Have internet only provided by Comcast Xfinity. No tv. Recently I found out I can get Comcast Flex for free. Flex is an Xfinity branded streaming box that uses the internet connection to stream content similar to a Roku. The flex box comes with some free content such as some sort of HBO and others. ...
by Saving$
Thu Apr 30, 2020 10:00 pm
Forum: Personal Investments
Topic: Trying to help family friend get away from AXA
Replies: 8
Views: 621

Re: Trying to help family friend get away from AXA

1. Alimony Expected for life: What happens if / when the alimony payer predeceases her? That could happen at any time... 2. $90k/year alimony + $2k/month ($24K year) withdrawals = $114k/year expenses. That is a ALOT of expenses, even for a family, and your post seems to suggest she is a single perso...
by Saving$
Sun Apr 19, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to transfer smart home accts to buyer?
Replies: 26
Views: 1461

Re: Selling house- how to transfer smart home accts to buyer?

I would say easiest is factory reset, but if you want to be nice, create a new gmail account and create new usernames and passwords for the devices. Then give him the list including the gmail account info and tell him to change the passwords. Do the gmail account. Don't reset everything - that almo...
by Saving$
Sun Apr 19, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Alternatives to Adobe Acrobat
Replies: 13
Views: 752

Re: Alternatives to Adobe Acrobat

It's not a lot cheaper than NitroPDF, but I switched my entire company to Foxit PhantomPDF Standard probably 7 or 8 years ago (every user gets a license), and it has worked very well for us. A single perpetual license is $129. Also note that you don't necessarily have to encrypt the PDF files thems...
by Saving$
Sun Apr 19, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1938

Best BH soap for C19 & least mess at sink

What is the best soap to wash your hands with, or does it matter? I've spent almost an hour googling without anything definitive. 1. Bar soap vs dispensed soap? Does it matter? Or does the actual soap matter? One post on this forum indicated washing hands with liquid dish washing soap may be best as...
by Saving$
Wed Apr 15, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: Estimate on a new hvac system. Is it reasonable?
Replies: 60
Views: 4043

Re: Estimate on a new hvac system. Is it reasonable?

Seems high for what you have described and the area, unless the unit is difficult to access. Get some additional quotes. I got a quote on Lennox through Costco. It was more than 2x every other quote, and about 2.5 the lowest quote. Biggest issue is whether your systems is sized correctly. 3 tons in ...
by Saving$
Fri Apr 03, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10324

Re: How much have YOU reduced spending during downturns?

Reduced spending eating lunch out at work and buying gas for commute and errands.

Increased spending getting groceries delivered, which cost more than Costco prices, and a few other necessities that cost more to have delivered.

Trying to eat out the same as before just changed it to take out.
by Saving$
Fri Apr 03, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6264

Re: Should I keep paying fitness center fees while it is closed?

I am a member of local Y. I pay $73 a month. The allow members to suspend their membership for 3 months which I did a few weeks ago. I really enjoy the Y but I an thinking seriously of just canceling my membership altogether and exercising at home. At age 75, IMO it will always be risky to go to th...
by Saving$
Tue Mar 31, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Water line replacement - is HOA responsible?
Replies: 24
Views: 1497

Re: Water line replacement - is HOA responsible?

So many issues...where to begin?? 1. The HOA docs will define who is responsible for utilities. There is no possible way anyone on the internet could tell you this without the docs. 2. Even IF (big IF) the water line has a root problem, the roots probably did not cause the problem. Water lines are n...
by Saving$
Mon Mar 30, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Slash your cell phone bill!
Replies: 26
Views: 4341

Re: Slash your cell phone bill!

Thank you for this info about AT&T. Does anyone know if it is possible for a payer to set up an ATT prepaid account in a situation where someone else has the phone? ie if someone wanted to pay for a relative or acquaintance's phone to ensure they could reach that person/vice versa, but did not want ...
by Saving$
Sat Mar 28, 2020 9:45 am
Forum: Personal Investments
Topic: Fidelity:Sell MF, buy ETF - how to do with least time out of market
Replies: 1
Views: 172

Fidelity:Sell MF, buy ETF - how to do with least time out of market

I'm TLH some legacy Mutual Funds, and will buy ITOT, all in my taxable account. The transaction will be in a Fidelity Brokerage account. Since ITOT ex-dividend dated was 3/25/20, I can now do this transaction and future dividends will be qualified. What are the mechanics (step by step) of doing this...
by Saving$
Sat Mar 28, 2020 9:37 am
Forum: Personal Investments
Topic: Fidelity commission-free ETF
Replies: 10
Views: 761

Re: Fidelity commission-free ETF

I also have fidelity, and had been buying VOO(a sp500 ETF from vanguard, commision free), but found their Index fund version for sp500, is cheaper and very similar. https://fundresearch.fidelity.com/mutual-funds/summary/315911750 Couple of things that really helped me, especially if tax managed fun...
by Saving$
Fri Mar 27, 2020 7:20 pm
Forum: Personal Investments
Topic: Fidelity commission-free ETF
Replies: 10
Views: 761

Re: Fidelity commission-free ETF

I have nearly all my accounts with Fidelity and own many shares of ETFs. VTI and ITOT are very similar, but I prefer VTI for tax efficiency, liquidity, and minimum tracking error. In a taxable account, I prefer ETFs over mutual funds for the ability to tax lost harvest at a specific price during th...
by Saving$
Fri Mar 27, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Glacier cloud stoarge? Any experience?
Replies: 25
Views: 1744

Re: Amazon Glacier cloud stoarge? Any experience?

I could use about 2 or 3 Terabytes, that's all. Thanks for the new suggestions; is tarsnap named after tar in Unix? Use Backblaze. It’s cheap, unlimited backup, and you can provide your own encryption key so they cannot decrypt your data stored on their servers. PLEASE elaborate on this encryption ...
by Saving$
Thu Mar 26, 2020 7:21 pm
Forum: Personal Investments
Topic: TLH - from Mutual Funds to ETF - do I have all the bases covered?
Replies: 1
Views: 134

TLH - from Mutual Funds to ETF - do I have all the bases covered?

Taking advantage of the down market to TLH legacy mutual funds acquired before I was a BH. Trying to make sure I have all the bases covered. I will sell the mutual funds and buy ITOT ETF 1. I presume the selling the mutual fund transaction will take place after the market closes. When will the purch...
by Saving$
Wed Mar 25, 2020 9:21 pm
Forum: Personal Investments
Topic: Medallion Signature guarantee, Notaries not accessible
Replies: 26
Views: 1564

Re: Medallion Signature guarantee, Notaries not accessible

Sometimes the form has a space for the medallion guarantee even though it's not actually required. You might call Fidelity to make sure it is needed. I transferred my HSA to Fidelity and don't recall needing it. This. I also transferred my HSA to Fidelity, using the form with the requirement for a ...
by Saving$
Thu Mar 19, 2020 12:05 am
Forum: Personal Investments
Topic: What are the three Fidelity ETFs that are the twins to Vanguards "3 ETF Potfolio" ETFs?
Replies: 13
Views: 592

Re: What are the three Fidelity ETFs that are the twins to Vanguards "3 ETF Potfolio" ETFs?

You can buy vangaurd etfs for free at fidelity now. So can use VTI, VXUS and BND. Or use ishares ITOT, IXUS and AGG Or various others since all are free to trade. Based on the above, is there any reason to not buy the vanguard etfs through Fidelity versus ishares or one of Fidelity's products? Guys...
by Saving$
Tue Mar 10, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3674

Re: Unmarried home ownership, joining his preexisting purchase

It is not a good idea, especially for you. The downside is all on you, the upside all on him. Probably a good idea to listen to those advising against this, mostly because there is no upside to you since - a. If you get married, whatever upside there might be will still be yours at that time - b. If...
by Saving$
Tue Mar 10, 2020 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3674

Re: Unmarried home ownership, joining his preexisting purchase

It is not a good idea, especially for you. The downside is all on you, the upside all on him. Probably a good idea to listen to those advising against this, mostly because there is no upside to you since - a. If you get married, whatever upside there might be will still be yours at that time - b. If...
by Saving$
Tue Mar 10, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Internet speed vs Modem speed
Replies: 17
Views: 1319

Re: Internet speed vs Modem speed

I have a fairly new (2 year old?) router that I could reconnect. Would this be a decent cable modem? https://www.amazon.com/ARRIS-Surfboard-SB6183-Package-Black/dp/B01ITIXYR0/ref=sr_1_10?keywords=cable+modem&qid=1576538480&refinements=p_76%3A1249137011%2Cp_n_condition-type%3A2224371011&rnid=2224369...
by Saving$
Thu Mar 05, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Can't unfreeze Equifax
Replies: 5
Views: 984

Re: Can't unfreeze Equifax

I need to temporarily unfreeze my Equifax security freeze. I attempted to logon to Equifax to enter my pin and temporarily unfreeze the account. Equifax requires my username which is my email and a password before I can get to the part where I enter the pin. - I entered the password, but they say t...