Search found 976 matches

by Momus
Tue May 26, 2020 4:33 am
Forum: Personal Consumer Issues
Topic: which iPhone?
Replies: 16
Views: 884

Re: which iPhone?

None. I am not a sheeple? All they do is rip people off for more profit. Putting DRM on battery https://www.vice.com/en_us/article/59nz3k/apple-is-locking-batteries-to-specific-iphones-a-nightmare-for-diy-repair Throttling so you buy a newer one https://9to5mac.com/2020/05/16/apple-500-million-settl...
by Momus
Sun May 24, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 16
Views: 1277

Re: What phone to buy after iPhone 7 Plus

If you're OK with staying with the 7 Plus, Apple is selling some on their clearance site: https://www.apple.com/shop/refurbished/clearance They tend to go fast. There have been rumors of an SE plus but who knows if it will materialize. https://www.macrumors.com/2020/04/21/iphone-se-plus-postponed-2...
by Momus
Sat May 23, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 16
Views: 1277

Re: What phone to buy after iPhone 7 Plus

https://www.ebay.com/itm/133357313240 $300-400 Oneplus 7 Pro. Thank me later. You won't see anyone switching missing their iPhone. Look up some reviews, they are many Apple fanbois in the past switching and never look back. 100% value for the money. Beautiful phone. No notch, 30 watts warp charge, 9...
by Momus
Tue May 19, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1955

Re: Apple iPad vs Notebook

Tablet/iPad will never replace Mac/any laptop versatility. They are awesome for media consumption/games, but that's all they do best. Very limited for real productivity/work, even browsing is limited to gimped version (mobile, not web version). You can't run a lot of full fledged programs with iPad...
by Momus
Tue May 19, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 1955

Re: Apple iPad vs Notebook

Tablet/iPad will never replace Mac/any laptop versatility. They are awesome for media consumption/games, but that's all they do best. Very limited for real productivity/work, even browsing is limited to gimped version (mobile, not web version). You can't run a lot of full fledged programs with iPad.
by Momus
Mon May 18, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2137

Re: Cheap Chromebook vs Laptop PC quality/options for child

Not a fan of chromebook. They suck. You can't run various programs on them. It's not versatile enough for a student. Motile 14 inch laptop - like new condition https://www.ebay.com/itm/124024800061 $255 after 15% discount, sale is being refreshed every day. Keep checking every 15 mins from 6-9am es...
by Momus
Sat May 16, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: Upgrade to Pixelbook Go?
Replies: 6
Views: 339

Re: Upgrade to Pixelbook Go?

Tell your SO to buy it as your gift for the year. Sell your chromebook for cheap. I don't mind dropping $$$ to tech. That's my vice. You gotta spend something. Sometimes I upgrade and take $200 loss just because... I also I'd do a lot of those bank bonuses on the side and credit card bonus to get fr...
by Momus
Sat May 16, 2020 1:54 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7858

Re: Ally lowers APR on savings from 1.5% to 1.25%

Capital One $500 bonus isn't bad either. 1.5% rate. Citi at $400 bonus.

Or first foundation bank, neighbors bank at 1.75%.

I will be chasing some of these bonuses and probably make an extra 2k for some toy money this yr.
by Momus
Fri May 15, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Leave H&R Block for Turbo Tax or what other software
Replies: 27
Views: 1291

Re: Leave H&R Block for Turbo Tax or what other software

Many ways to reduce cost of turbo tax. I haven't paid for one for 7-8 yrs or at 1/4-1/5 of the cost of retail. Most people love to pay full price though.
by Momus
Fri May 15, 2020 12:51 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2137

Re: Cheap Chromebook vs Laptop PC quality/options for child

Not a fan of chromebook. They suck. You can't run various programs on them. It's not versatile enough for a student. Motile 14 inch laptop - like new condition https://www.ebay.com/itm/124024800061 $255 after 15% discount, sale is being refreshed every day. Keep checking every 15 mins from 6-9am est...
by Momus
Fri May 15, 2020 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12033

Re: Selling home - low ball negotiation

I'd counter 10k above asking price. They mocked you and they should know.
by Momus
Fri May 15, 2020 12:34 am
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7858

Re: Ally lowers APR on savings from 1.5% to 1.25%

Open CD today and fund it in 10 days. Rate lock. I opened 2 CDs on Monday night. One I funded with my Ally Savings account. Of course it funded immediately and shows an Apr 11, 2021 maturity date, with a rate of 1.45%. The second I funded from my Bank of America account. Through yesterday, the CD s...
by Momus
Wed May 13, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3024

Re: New Laptop Recommendations

Sorry, some changes on the thread I've upped my budget to $1,000. Happy with 15.6" screen or lower, but nothing less than 13.3. $1000 will run you into a graphics card territory 1660ti or 2060 if you hit the jack pot. Get it if you are into gaming at high settings AAA games/video editing/rendering,...
by Momus
Wed May 13, 2020 12:17 am
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3024

Re: New Laptop Recommendations

Excel, web browsing and media streaming so I don't need anything crazy. $380. Ryzen 3 = about the same as intel i3 - dual cores https://www.bestbuy.com/site/lenovo-ideapad-15-6-laptop-amd-ryzen-3-8gb-memory-256gb-solid-state-drive-platinum-gray-imr/6398120.p?ref=8575135&loc=63c3d22a94d811eab9a75ece...
by Momus
Wed May 13, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3024

Re: New Laptop Recommendations

Our MacBook Pro is the beat laptop we have ever used. No Bogleheads computer thread is complete until somebody recommends a $1300-2600 laptop for someone with a $500 budget. Agree. I used to think the same until I gave in and tried a Mac. 6.5 years later and not one bit of difference in performance...
by Momus
Mon May 11, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: Ally lowers APR on savings from 1.5% to 1.25%
Replies: 68
Views: 7858

Re: Ally lowers APR on savings from 1.5% to 1.25%

Open CD today and fund it in 10 days. Rate lock.
by Momus
Sat May 09, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20097

Re: What are you doing for haircuts due to coronavirus shutdown?

I do not believe barbers will be able to cut hair of men without someone spreading the virus in their shops, with people being so close together there. And it seems that this virus situation will go on for a while. My hair will become wavy when not cut short, so my son with that Walmart clipper wil...
by Momus
Thu May 07, 2020 3:22 am
Forum: Personal Consumer Issues
Topic: Worth Buying a Used Phone on Swappa?
Replies: 28
Views: 1554

Re: Worth Buying a Used Phone on Swappa?

Bought at least 5-6 phones used at eBay. always cheaper than Swappa. eBay has money back guarantee. Never a problem. They back buyers 99% of the time.

I am an eBay seller with 200+ sales.
by Momus
Wed May 06, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3127

Re: Craigslist - are these scams?

In Craigslist, if they do not agree to meet you in person with cash on hand, it IS 100% SCAM. Anything extra is bs.
by Momus
Wed May 06, 2020 4:09 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

Another decent laptop https://www.amazon.com/Acer-i5-10210U-802-11ax-Fingerprint-A515-54-59W2/dp/B07XPLKZ5P?ref_=s9_apbd_otopr_hd_bw_b2N0e&pf_rd_r=5SBHXV6NRA3ADNHN8YSK&pf_rd_p=b2e34a42-7eb2-50c2-8561-292e13c797df&pf_rd_s=merchandised-search-11&pf_rd_t=BROWSE&pf_rd_i=565108 An another... https://www....
by Momus
Wed May 06, 2020 4:00 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

$300-500ish? I’d be willing to go a drop higher if needed, but seems there’s a ton in the $400-500 sweet spot. The machine I’m using at work still feels fast/adequate for me. 🤷🏻‍♂️ 3 months ago, sure. Now, not so much. As I wrote above, decent laptops under $500 are very hard to find right now, bec...
by Momus
Wed May 06, 2020 3:59 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

With approval from our CEO, I took a nice getaway into the office today. Just the two of us with lots of social distancing. Maybe 50 ft between us. It was glorious change of pace. Might do it one more day this week. Never thought I’d be so happy to drive to the office and sit at my desk! Anyways I ...
by Momus
Wed May 06, 2020 3:57 am
Forum: Personal Investments
Topic: Is now a bad time to front load my 401k?
Replies: 12
Views: 997

Re: Is now a bad time to front load my 401k?

I maxed mine out in Feb this year lmao.

No regrets. I have been maxing mine out every year the early as soon as I can.

Make sure your company has true up match if you want to max it out early.
by Momus
Tue May 05, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

With approval from our CEO, I took a nice getaway into the office today. Just the two of us with lots of social distancing. Maybe 50 ft between us. It was glorious change of pace. Might do it one more day this week. Never thought I’d be so happy to drive to the office and sit at my desk! Anyways I ...
by Momus
Tue May 05, 2020 3:48 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

With approval from our CEO, I took a nice getaway into the office today. Just the two of us with lots of social distancing. Maybe 50 ft between us. It was glorious change of pace. Might do it one more day this week. Never thought I’d be so happy to drive to the office and sit at my desk! Anyways I ...
by Momus
Wed Apr 29, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Tire Mileage Warranty - what's it worth?
Replies: 24
Views: 1474

Re: Tire Mileage Warranty - what's it worth?

I got the cheapest tires for $50-60 each installed and it always lasts me 60k lol. Never gonna buy overpriced michellins anymore.
by Momus
Sun Apr 26, 2020 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus Check for Person Who Died in 2019
Replies: 27
Views: 2980

Re: Stimulus Check for Person Who Died in 2019

Use it however you want. If the IRS wants it back, pay it back. I don't see a problem here.
by Momus
Sun Apr 26, 2020 3:13 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 107
Views: 10228

Re: lawn care cost

$25 every 2 weeks. Front and back.
by Momus
Wed Apr 22, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

DoorDash driver makes about $7.5 per delivery. You can do 2 delivery per hour. That's INCLUDING tips since almost 90% don't tip. They have to pay gas, and maintenance for their car. At best, they are making $10/hr net. They live or die by tips. Trust me I was one and I did 1500 deliveries total in 3...
by Momus
Wed Apr 22, 2020 12:49 am
Forum: Investing - Theory, News & General
Topic: Should I move during a pandemic for higher pay?
Replies: 12
Views: 1042

Re: Should I move during a pandemic for higher pay?

One of my friends employer laid off people based on seniority. Last in, first out due to beer virus.

It was a good job at a great place. It's a job that I would have taken before all this. Now, he is jobless and I am still working.
by Momus
Sun Apr 19, 2020 12:09 am
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4244

Re: How to get Liquid Hand Soap? seriously.

Soap is soap.

Buy dawn, any random $1 liquid soap at your dollar store is fine. I never buy hand soap and never will.

Use lotion after because dishwashing soap tends to be all soap without any moisturizer (strips all the oil in your hand).
by Momus
Thu Apr 16, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1545

Re: Pixel 3a or Wait for New Iphone?

I have a Pixel 3a and it's a very nice phone. I'm happy I bought it a year ago. That said, if I were purchasing something new today, I would get the new SE in a second. It's a real bargain. The camera should be at least very good and it even has wireless charging (which the 3a doesn't have). I can'...
by Momus
Thu Apr 16, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1545

Re: Pixel 3a or Wait for New Iphone?

Google has guaranteed software updates for at least 3 years. The phone is being discounted by Google because a 4a version will be released soon. What does that mean? As an old iPhone SE user that is considering the Pixel 3a I'm confused by this. Does Google typically not offer updates for phones af...
by Momus
Thu Apr 16, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 15
Views: 1097

Re: Device for men's haircuts

Wahl kit for $20 + YouTube. I haven't gone to a barber for like 10 yrs...
by Momus
Thu Apr 16, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1545

Re: Pixel 3a or Wait for New Iphone?

If you don't mind used phone 6-8 months old, Oneplus 7 pro runs around $300 used. I bought at least 5 phones used in the past no problem whatsoever. Saved me $300-400 every time waiting 1 yr. It's a beast of a phone.

Oneplus 7T is $499 new.

New Pixel 4 $499 for a true flagship. XL $599.
by Momus
Thu Apr 16, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

Define mediocre? It's not a flagship phone. Every phone in the $300-$400 range has compromises. Compared to any *new* android phone in the $300-$400 range, the iPhone SE is quite favorable. Pixel 4. $399. Stop with the garbage SE. The Pixel 4 is $799 and is currently on sale for $499. Why would you...
by Momus
Thu Apr 16, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

Not 100% sure what’s mediocre about it? It’s not a flagship phone. Sure it doesn’t have an edge to edge 4K display and 6 cameras, but if the camera is the same as the one on my XR then it’s a damn good camera. It also has the fastest mobile processor available. Also, not everyone wants a 6.7” scree...
by Momus
Thu Apr 16, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

Oneplus 7 pro is going around <$300 used, for a 2019 device. It is literally miles ahead of the new $400 iPhone SE. I'd never buy this weak SE mediocre phone. But, to each his own. Not 100% sure what’s mediocre about it? It’s not a flagship phone. Sure it doesn’t have an edge to edge 4K display and...
by Momus
Thu Apr 16, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

Oneplus 7 pro is going around <$300 used, for a 2019 device. It is literally miles ahead of the new $400 iPhone SE. I'd never buy this weak SE mediocre phone. But, to each his own. Not 100% sure what’s mediocre about it? It’s not a flagship phone. Sure it doesn’t have an edge to edge 4K display and...
by Momus
Thu Apr 16, 2020 2:03 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

valleyrock wrote:
Thu Apr 16, 2020 1:32 am
Pixel 4 is now on sale at $499, unlocked (or for the main carriers). I buy them unlocked and own the thing, swap out the sim and there you go.
I approve this message. Hella cheap for flagship.
by Momus
Thu Apr 16, 2020 1:28 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

Oneplus 7 pro is going around <$300 used, for a 2019 device. It is literally miles ahead of the new $400 iPhone SE. I'd never buy this weak SE mediocre phone. But, to each his own.
by Momus
Sun Apr 12, 2020 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Capital One QuickSilver credit card limit
Replies: 36
Views: 1859

Re: Capital One QuickSilver credit card limit

I wanted $150 bonus, got approved for 30k first try. I only make 100k+ on W2

835 credit score.
by Momus
Mon Apr 06, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5552

Re: Replacing Cable TV with Streaming: Critical Analysis

So far, I pay $4/mo for Netflix. Unlimited lifetime VPN subscription for any downloads. Plus...
https://www.tinyzone.tv/

You're welcome.
by Momus
Sun Apr 05, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55511

Re: How to get Toilet Paper ? seriously.

Using 1 roll of scotts/mo... if that fails I am using water with tabo. Price gougers can rip you guys off all they want.
by Momus
Sat Apr 04, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2763

Re: is a $1000+ herman miller office chair worth the investment?

Leap V2. https://www.madisonseating.com/leap-chair-v2-by-steelcase.html?gclid=CjwKCAjw4KD0BRBUEiwA7MFNTddYjuxN311DMTO9L9aZSOkI_5aPTW3711DW4QHCa4vb_KH-UqjMTRoCUBUQAvD_BwE https://www.btod.com/blog/steelcase-leap-chair-review/ I refuse to buy a chair without adjustable seat depth, lumbar and arms. Tha...
by Momus
Sat Apr 04, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20097

Re: What are you doing for haircuts due to coronavirus shutdown?

This will be one of the professions that won't come back to highest income for a while.
by Momus
Sat Apr 04, 2020 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9233

Re: How much have YOU reduced spending during downturns?

I can't reduce my spending no more. If I reduce it anymore I'd be on the street eating garbage dumpster. Expenses for everything is $500/mo + $750/mo rent.
by Momus
Thu Apr 02, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity shuts 3 (Treasury) MM Funds to New Investors
Replies: 91
Views: 6974

Re: Fidelity shuts 3 (Treasury) MM Funds to New Investors

I keep $100 on treasury money market at Vanguard. So, I have access to it all the time.
by Momus
Thu Apr 02, 2020 2:38 am
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

Hoping it drops 80% and stay down for 5 years while I continue to buy. When it goes back, I will make 5x of that. Fast forward my retirement date by 20 years. Now, that will be the best case scenario.
by Momus
Thu Apr 02, 2020 1:43 am
Forum: Personal Finance (Not Investing)
Topic: bogleheading my car, opinions please. From a Tesla to a Honda
Replies: 84
Views: 5385

Re: bogleheading my car, opinions please. From a Tesla to a Honda

Don't think it matters financially. Do what you want. It'd personally go with the Accord for the new 2020 tech factor, and new paint. Accord isn't just a crappy car either. It's a pretty nice car.