Search found 716 matches

by Momus
Sun Sep 15, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: Laptop for a child?
Replies: 9
Views: 481

Re: Laptop for a child?

Any laptop, coz it doesn't matter... For 8 yo...
by Momus
Sat Sep 14, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expense deduction documentation
Replies: 10
Views: 771

Re: Medical expense deduction documentation

You need to exceed 10% gross to even deduct anything. Most people here will have income 100k-1M+/yr. Say 150k income, anything over 15k is deductible. So if you have 20k in medical expenses, only 5k is deductible for tax purpose. No way I'll reach paying out of pocket cost for over 15k... I threw a...
by Momus
Sat Sep 14, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Phones with longest battery life?
Replies: 12
Views: 750

Re: Phones with longest battery life?

DanMahowny wrote:
Sat Sep 14, 2019 7:26 am
I charge my phone every 4th day on average.

It's a Google Pixel2 XL. I doubt the phone has extraordinary battery life though.

It seems I'm NOT one of the unfortunate humans that spends their entire life staring at a 5.5" screen.
It's 6.7 inch :P
by Momus
Sat Sep 14, 2019 7:18 am
Forum: Non-US Investing
Topic: UK Guy who fell in love and moved later in life to the USA
Replies: 9
Views: 1349

Re: UK Guy who fell in love and moved later in life to the USA

Thanks ! Despite phoning HL they didn't give me these Irish Domiciled $ options. RE a Pre-nup we haven't got one for a variety of reasons - one being we are living in an Equitable Distribution State and I hope to never get to test how equitable that may be! I made this mistake and it cost me big!! ...
by Momus
Sat Sep 14, 2019 5:45 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6205

Re: How old is your cellphone?

Just got an update of chrome running 90hz again on oneplus 7 pro (smooth smooth smooth). I almost wanna chuck my phone coz last update breaks 90hz refresh rate. I can't stand the lag and sluggishness of 60hz screen, so freaking slow (practically all other phones :D)
by Momus
Sat Sep 14, 2019 5:42 am
Forum: Personal Consumer Issues
Topic: Visible Wireless (Verizon Subsidiary)
Replies: 12
Views: 889

Re: Visible Wireless (Verizon Subsidiary)

It's great but I don't use unlimited data.

I'm on mint mobile $20/mo 8GB (way too much for my need), I got it for free coz I refer more than 20 ppl/yr. No cell phone bill here.
by Momus
Sat Sep 14, 2019 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance - How much is accident forgiveness worth?
Replies: 11
Views: 2211

Re: Car insurance - How much is accident forgiveness worth?

I swear to never deal any business with statefarm. The fact you have to call them for them to lower your premium says more about them as a company. Stay far away from statefarm. Hope you don't get hit by a statefarm driver or at fault at the accident.
by Momus
Sat Sep 14, 2019 3:23 am
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 35
Views: 1795

Re: Laptop for aging parents

Was thinking something similar to this Lenovo model. Any thoughts? https://www.bhphotovideo.com/c/product/1445376-REG/lenovo_81de01krus_core_i3_8130u_4gb_1tb.html This has a TN display (like most laptops below about $400), with poor viewing angles, contrast, and color. I strongly recommend spending...
by Momus
Sat Sep 14, 2019 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Accountant Salary Growth
Replies: 32
Views: 3264

Re: Accountant Salary Growth

My friend made director at Amex as accountant. He chose a different path, he is now director of data science with accounting degree, about 8 yrs into the career.
by Momus
Fri Sep 13, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 22
Views: 2591

Re: Geico subrogation claim

Fast forward a few weeks and I get a call from Geico stating that Direct General has denied the claim. The policy was either not in place at time of accident, or they dropped the insured. ( they do the latter frequently) <---- i know this doesn't sound legal but apparently it is, for example if the...
by Momus
Fri Sep 13, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 35
Views: 1795

Re: Laptop for aging parents

Do you need a laptop? Old people like big screens, good ergonomics and special keyboards, and it's not like they are the type to bring a laptop to a cafe or something. All these favor desktop all in one computers over laptops, especially if you have a budget. ^this. I wouldn't necessarily consider ...
by Momus
Fri Sep 13, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 35
Views: 1795

Re: Laptop for aging parents

Skip the chrome book. Most chromebook are a LOT slower than just a right $400 laptop. $400 laptop will get you 8GB ram, i5 8th gen intel, 256GB SSD. It's more than enough computer for an aging parents. This machine will last you 10 years easy. Examples: https://slickdeals.net/f/13368472-dell-inspiro...
by Momus
Fri Sep 13, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Phones with longest battery life?
Replies: 12
Views: 750

Re: Phones with longest battery life?

I have oneplus 7 pro 4000mah battery. 8 hours after work I still have around 60% medium use. If I don't use the phone it will last around 2-3 days.

It comes with 30 watt charger so the phone charges 0 to 50% in 20 mins... Unlike iRipoff 3x slower :sharebeer
by Momus
Fri Sep 13, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expense deduction documentation
Replies: 10
Views: 771

Re: Medical expense deduction documentation

You need to exceed 10% gross to even deduct anything. Most people here will have income 100k-1M+/yr. Say 150k income, anything over 15k is deductible. So if you have 20k in medical expenses, only 5k is deductible for tax purpose. No way I'll reach paying out of pocket cost for over 15k... I threw aw...
by Momus
Thu Sep 12, 2019 4:22 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 148
Views: 6205

Re: How old is your cellphone?

Oneplus 7 pro, with its cost + cell phone bill all tax deductible courtesy of gig economy. $750 a beast of a phone. No notch, 30 watt charger - 20 mins charge to 50%, 4000 mah battery, QHD 1440p screen, OLED display, snapdragon 855 (this thing is faster than most laptops i5-8250u LOL), 12GB RAM, 256...
by Momus
Wed Sep 11, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1479

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I replaced my tires with the cheapest discount tires have. $50-60/tires. Done around $250.

Notice no drops in mileage or performance. Wear a bit faster at 50-60k miles but who cares for $250 only?
by Momus
Mon Sep 09, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3328

Re: Going desktop-less?

Laptop is hooked up to monitor or 50inch TV. TV is in front of my bed with wireless keyboard and Logitech trackball mouse.

Desktop is meh. Haven't had it since 2006.
by Momus
Sun Sep 08, 2019 2:05 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 93
Views: 8190

Re: IPhone 6 - showing some age

Probably another iPhone planned obsolescence. They are pretty shady from time to time, trying to make you buy another device under the disguise of customer experience lmao.

Replace the battery, if it is still slow, dump it to a sucker.
Buy oneplus 7 pro.
by Momus
Fri Sep 06, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

masonstone wrote:
Fri Sep 06, 2019 3:21 pm
Do you see the tip before you pick up the item?
You don't see it until after delivery. That's why some drivers have an on going blacklist lol.
by Momus
Fri Sep 06, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

I wonder why anyone would be willing to drive for them Some people are desperate for money. Bogleheads tend to not have to deal with living in a gig economy, but many people have to do what they can. Yes but you'd be working for less than minimum wage which doesn't make sense to me in the United St...
by Momus
Fri Sep 06, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

I don't tend to use the delivery services but have looked into them quite a bit. My older son used to deliver pizzas. $7 per hour plus tips. Gas and vehicle use was on him, so by the end of the night, about 50% of his entire pay went into the gas tank. Since then, DS#2 expressed interest in deliver...
by Momus
Fri Sep 06, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

I don't tend to use the delivery services but have looked into them quite a bit. My older son used to deliver pizzas. $7 per hour plus tips. Gas and vehicle use was on him, so by the end of the night, about 50% of his entire pay went into the gas tank. Since then, DS#2 expressed interest in deliver...
by Momus
Fri Sep 06, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Danger of mail order drugs, recent television report
Replies: 26
Views: 2595

Re: Danger of mail order drugs, recent television report

I keep my caffeine pills and Meclizine for boat/roller coaster ride in my car. They are expired for 2-4 yrs too. I don't care much. Works just as well as new lol. I'm a pharmacist. Do not follow me though... You don't wanna keep sensitive drugs in high temp in extended period of time because it does...
by Momus
Thu Sep 05, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

I deliver from time to time. Last labor day, I made $340 fun money on the side. I got 2 free meals coz people didn't accept delivery at their addresses. Called, left vm, knocked and texted them, but they weren't answering their door. If the customer has difficult drop off, want door to door service ...
by Momus
Sun Sep 01, 2019 8:54 pm
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 61
Views: 7487

Re: Learnings/Regrets from last two recessions

Didn't buy Netflix or Shopify :annoyed

At least, I managed to save 10x income, could've been 30x with those 2 lol...

Oh well..
by Momus
Sat Aug 31, 2019 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2061

Re: Any Bay Area companies hiring part-time remote programmers?

I'm surprised how high some of the software engineering salaries can get in the Bay Area (mid-six figures or more) Is this really true? Many somewhat similar posts make it sound like most programmers with a few years of experience make half a million a year at FAANG and the likes. I'm not saying yo...
by Momus
Sat Aug 31, 2019 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2061

Re: Any Bay Area companies hiring part-time remote programmers?

I'm surprised how high some of the software engineering salaries can get in the Bay Area (mid-six figures or more) Is this really true? Many somewhat similar posts make it sound like most programmers with a few years of experience make half a million a year at FAANG and the likes. I'm not saying yo...
by Momus
Fri Aug 30, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 5399

Re: College age male: How much money for food?

Food is cheap $150-200 if you cook. If he eats out all the time, triple that number. I would not give him money for that luxury.
by Momus
Wed Aug 28, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Computer printer suggestions.
Replies: 25
Views: 1166

Re: Computer printer suggestions.

Brother monochrome laser printer is $50-80. Ink is $10-15/toner at eBay = 500-1000 pages yield. Search slickdeals.net

You are welcome.
by Momus
Wed Aug 28, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 48485

Re: GEICO auto rates vs. USAA: too good to be true?

Geico, AAA is always very competitive. USAA normally just takes advantage of people (and mainly veterans) who don't rate shop. You are likely saving $500-1000/yr if you shop home owners, car, umbrella at other companies. Do not go with statefarm, they are one of the worst company you can deal with. ...
by Momus
Mon Aug 26, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Desk: Where can I found one like this?
Replies: 16
Views: 1854

Re: Desk: Where can I found one like this?

snackdog wrote:
Mon Aug 26, 2019 7:45 am
Craigslist is usually full of them as dedicated desks (and home offices) are rapidly disappearing from most homes. Modern living takes the laptop or tablet wherever the user likes - sofa, kitchen counter, dining table, outdoors, cafe, etc.
+1 this desk is free to $50 at CL.
by Momus
Sun Aug 25, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9299

Re: The cost to talk to a doctor

My plastic saw me for 3 mins, talked in 2 mins, walked out, charges $500/"consult" lol.

Family doc $150-200/talk + rxs.

Depends on who you see.
by Momus
Thu Aug 22, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1272

Re: Buying used car (another one of those threads!)

It really depends on what you were driving but I'd go with a Nissan Sentra or even a Versa before a Hyundai Elantra you will be much happier with an older low mileage Camry than anything you've mentioned. Have you ever driven an elantra? A versa is (I believe) the cheapest new car for sale in the U...
by Momus
Thu Aug 22, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1272

Re: Buying used car (another one of those threads!)

I would price out a new one. Buy a 2019 for 15 or 16k with 0 miles seems like a better deal than buying an 8k car with 70k. Isn’t half the reason to buy a Hyundai the 10 year power train warranty that only applies to the original owner? I bought a new 2018 Corolla last year for a bit over $16K plus...
by Momus
Thu Aug 22, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1272

Re: Buying used car (another one of those threads!)

I drive 2019 elantra limited. Got it new for 17.5k. It has lane keep assist, leather seat, power seat, heated mirror, digital auto climate control (older elantra has none), hill assist, emergency frontal collision brake, touch to start keyfob, hands free trunk release with secret button, blindspot m...
by Momus
Wed Aug 21, 2019 10:10 pm
Forum: Personal Investments
Topic: $1M cash: how to invest
Replies: 40
Views: 3444

Re: $1M cash: how to invest

All in to SHOP. :greedy
by Momus
Wed Aug 21, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Moving from Del Sur to Clairemont/Bay Ho - San Diego
Replies: 3
Views: 286

Re: Moving from Del Sur to Clairemont/Bay Ho - San Diego

I'd not move. I have a rental in PQ, and live in Clairemont. Same reason above. Clairemont 0 traffic going I-5 south, some going north, areas look a bit run down, no crime tho. Worse schools vs. Highly rated Poway 9-10. House price trend. You can just look at zillow price % increase, pretty good ind...
by Momus
Tue Aug 20, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2184

Re: Replacing brake pads in a Honda CRV 125,000 miles

Hello all: We have a 2008 Honda CRV that has served us well for several years now with 125K miles to its credit. Off late, I am hearing a strange noise when applying the brakes which to me sounds like it is due to a worn out brake pads (I am not an automobile expert). No jerky movements - just a lo...
by Momus
Tue Aug 20, 2019 12:14 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 40
Views: 3304

Re: Anyonw driving Uber for fun and pocket money in retirement?

I do Uber/lyft for 18-25/hr. DoorDash about $12-20/hr. My insurance covers ridesharing for $95/mo. Normally, if I work a FULL day I'll make $300 and spend $35 in gas. Car only gets 30 mpg. Worth it? For toy money part time burning your time instead of doing nothing at home, absolutely yes. I convert...
by Momus
Mon Aug 19, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3264

Re: Buying an older used car - any new/different ideas?

If you don't mind driving a salvage titled car, you can get $12k worth of car for $6k. Just check the Vin # and take a look at auction pictures before it was restored. If the damage isn't too bad based on the picture, you can buy one at a very steep discount. Or, get a high mileage car with newer ye...
by Momus
Sun Aug 18, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Best price/timing to buy 2019 Toyota Corolla Hatchback?
Replies: 18
Views: 1826

Re: Best price/timing to buy 2019 Toyota Corolla Hatchback?

Best time when they have a high rebate going, I got my elantra limited 2019 for 17.5k, mrsp at 23k. Rebates + negotiation = great deal.
by Momus
Sat Aug 17, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2250

Re: Uber Driving

It's a free market and tons of people do it. They must make at least some money. I would not do it as a primary job but could be a great side job for a partial retirement. Maybe you can luck out and be one of those stories that drives a passed out passenger 1000 miles. I do Lyft as a passenger and ...
by Momus
Sat Aug 17, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2250

Re: Uber Driving

Are you prepared to clean up the vomit from the drunken college kids who have had too many :beer :beer :beer :beer :beer :beer :beer :beer This. I had an Uber driver in Atlanta tell me that he won’t pickup young people at night because of this very problem. You can’t make enough driving to put up w...
by Momus
Sat Aug 17, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2250

Re: Uber Driving

The way I see it, I put 20k miles into my car to get $20,000 gross. The car is "paid off". You just pay gas + repairs after that. It's not bad, but not great either 18-25/hr. It's toy money for me to buy electronics.
by Momus
Sat Aug 17, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2250

Re: Uber Driving

You will make anywhere between 60c-$1.25/mile. That's how much I get. Minus gas.

In my experience, I get about 18-25/hr. Minus expenses.

You taxes basically 58c/mile to deduct and cost of brand new phone and phone bill. So, only 15-25% of your earning is taxable using mileage deduction.
by Momus
Sat Aug 17, 2019 4:23 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3579

Re: iPad Pro 12.9 - 3rd Generation

My oneplus 7 pro is 6.7 inch. OLED screen, 1440p, 90 hz, 12GB RAM, 256GB storage. No apple device matches this beauty. I ditch tablets 2 years ago. They are literal dust collector, waste of money, slower, and worse than most flagship phones.
by Momus
Wed Aug 14, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs. Buy - Running the numbers, what am I missing?
Replies: 55
Views: 3896

Re: Rent vs. Buy - Running the numbers, what am I missing?

If you stay in the same area 5-10 yrs, there is no reason to rent at the same monthly price of a house mortgage. You are throwing those $ to your landlord mortgage, why not build some equity of your own? If you have to move, you can always hand it off to a property management, collect rent. Buy/rent...
by Momus
Sun Aug 11, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Agent Questions
Replies: 16
Views: 1409

Re: State Farm Agent Questions

As a former P/C claims adjuster there are two P/C companies I would never do business with: State Farm Allstate Check out USAA, Amica, and Erie. If you plan to carry comprehensive on your auto and keep your cars a long time make sure you see if the policy forces you to use non-OEM parts; essentiall...
by Momus
Sun Aug 11, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Santa Fe lane centering vs. Ford Co-Pilot
Replies: 25
Views: 1357

Re: Santa Fe lane centering vs. Ford Co-Pilot

Lane keep assist in Hyundai is a gimmick. I have it in my Elantra 2019. You will never really use them. As soon as you take your hands off the wheel, in 10 seconds, it turns off. A bump, or a sudden jerk off center, it's OFF. Plus, you DON'T wanna take your hands of the steering wheel. It only works...
by Momus
Sun Aug 11, 2019 2:48 pm
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 1911

Re: Is it time to sell I-Bonds?

Sold. Thanks for the reminder.

1.4% interest lol :oops: