Search found 206 matches

by Momus
Wed Oct 18, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1351

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

https://slickdeals.net/share/android_app/t/10587872

$900 GTX 1080 16GB ram, will handle any game you throw at it at max settings.

Keep looking into slickdeals.net, the deal comes up once in a while and you can't never beat the price.
by Momus
Sun Oct 15, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 124
Views: 6282

Re: What are you driving? And would you buy your current ride again?

Accord 08 150k miles, absolutely will buy Accord 2018 if I'm in the market again but I plan to keep this one til 2028. No problem so far, just following regular oil change at 5-10k inverval depending on my mood, and 30, 60, 100k maintenence schedule. By then, I'll get electric car without steering w...
by Momus
Fri Oct 13, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 18
Views: 1792

Re: Anyone used Zelle?

Just waiting until ally starts rolling out Zelle... I always like online pay like PayPal, venmo, FB messanger, and pop money. I use them all.
by Momus
Thu Oct 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2769

Re: Antivirus Software Recommendations

360, it uses multiple engine detection: Avira and Bitdefender. It has more detection rate than most anti virus out there.

Fyi: I previously use Avast, but switched to total security 360. More protection.
by Momus
Wed Oct 11, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11899

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I go to check my mail box once a week. Most of my mails are junk. The only valuable mail, is normally the mail I would've expected to come... I can even bet I can go every 2 weeks and not miss any important dead line on any mail I received. All cc, bills, utilities, brokerage account are on auto/ema...
by Momus
Wed Oct 11, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5565

Re: Anesthesiologist Advise [how to save money]

This dude makes 300k/yr, take home is 180k/yr NET income. Expenses is 3300/mo (all inclusive) or 40k/yr. Simple math, he has 140k/yr NET money lying around every yr. He has plenty of money. In fact, you can spend a little some of that and still feeling flushed... Go read Boglehead guide to investing...
by Momus
Sun Oct 08, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7490

Re: Do you want your receipt?

I don't take the receipt because I see the charges immediately on the screen before I pay as the item is being scanned. I check my mint account on my phone app immediately soon after to confirm the charges. Most of the time what I pay real time will show on mint account a few minutes later. In a few...
by Momus
Sun Oct 08, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2276

Re: Spouse gets blowouts?

stan1 wrote: ↑
Sun Oct 08, 2017 11:38 am
How about this: learn how to give her a blowout yourself. You might decide it is worth $2,000/year to offload the job to someone else.
I have never met a woman that let me work on her hair.
by Momus
Sun Oct 08, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2276

Re: Spouse gets blowouts?

You might be too cheap (saving almost all your net income). You have a saving rate of 80+% of your net income. I know girls that dye/cut their hair at $300 per session. They do it once every 4-6 months. Leave this one alone. $80 seems reasonable. Choose your battles wisely. Fyi: I cut my own hair wi...
by Momus
Fri Oct 06, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4985

Re: Anyone go 100% Ally or another online bank for all banking needs?

I can't go 100% online since Ally doesn't do international wire anymore. I have $1500 checking account (minimum balance) with bank of america just to wire money internationally. And, to get their $120/yr free money on better balance rewards credit card. I also like the fact that I have free notary s...
by Momus
Wed Oct 04, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: How to improve credit score
Replies: 23
Views: 1315

Re: How to improve credit score

My credit score never went past 780 before. Basically pristine 0-1% utilization every month (I charge $1 every cards - I have 7 cards), never a late payment for 10 yrs. Total credit limit 150k. I had auto loan also in the past that is never late, I paid off after 1 yr. It was hovering at 780+ for th...
by Momus
Sat Sep 23, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1640

Re: What phone carrier?

I currently have an iPhone SE through a business Verizon plan. I am separating from the company and am looking for an individual cell phone plan. I want to move to a less expensive pre-paid plan. Verizon offers one for $40 a month (3 GB which is fine) but I'd like to know what my alternatives are. ...
by Momus
Thu Sep 21, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24179

Re: I won the Lottery. Need sound advice.

1. Pay off all debts including mortgage. It will give you cash flow of $9000/month net thru your combined income after your pay off your debts. 2. Fire your financial advisor, edward jones is one the highest fee brokerage out there. DIY boglehead only 3. Live below your means There is a lot your can...
by Momus
Wed Sep 20, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20209

Re: Iphone X is $1000

Sorry iRipoff X is a mediocore device, not worth purchasing. I will go Galaxy Note 8 all the way if I am ready to drop serious money. - Higher resolution 520 ppi vs 458 ppi - Brighter display to fight against direct sunlight 1200 nits vs. 620 nits iRipoff - Samsung Pay (any pay terminal - not NFC bo...
by Momus
Tue Sep 12, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20209

Re: Iphone X is $1000

Did anyone else find the upper portion of the iPhone X unappealing? If the upper left and right only display battery power and signal strength, that's alright, but it has the background image in there too! It was annoying to me the first second I saw an image of it... Yeah, that little blob at the ...
by Momus
Sun Sep 10, 2017 1:35 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6476

Re: Luxury car: perception vs reality

Luxury car is stupid. After a month playing with the bells and whistles, all you think when you are driving is how you stuck in a traffic, buying the next grocery, feeding your dog, what to eat tonight, play with your kids, plan for next getaway vacation, and do your job tomorrow. A complete waste o...
by Momus
Wed Sep 06, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions about drawing up a prenuptial agreement in California
Replies: 16
Views: 1874

Re: Questions about drawing up a prenuptial agreement in California

If your future contribution to your 401k goes to a separate fund after you get married, does it protect you from dividing your previous fund (before marriage fund) in the event of the divorce? Example : - Year 2017- june 1 2018 (single) : all money in s&p 500 fund. - June 2 2018 (married) : all mone...
by Momus
Sun Sep 03, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to break into new field?
Replies: 49
Views: 3331

Re: How to break into new field?

Software related fields. Do coding boot camp and learn more yourself. Pretty much guarantee if you get hired you will start at LEAST $50k+ minimum, upwards 150-200k if you are good at what you are doing.
by Momus
Mon Aug 21, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16047

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!! Hmm, when I had a CA ...
by Momus
Mon Aug 21, 2017 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16047

Re: Jobs that pay over $100,000

http://transparentcalifornia.com/salaries/all/?&s=-base

Please just look at these. 12 million jobs for you to pick thru. It comes with fat pension and likely unlimited OTs also. Government employees, so normally, you can chill, not do a lot, and make bank. Money money money!!!
by Momus
Sat Aug 12, 2017 3:55 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2397

Re: Laptop suggestions pls

Go to slickdeals.net Search for laptop deal Profit!!! Normally, you'd save about on average 20-40%+ of retail cost of the electronics by just using slickdeal. Oh, yea, don't buy Apple products they are overpriced, overyhyped piece of trash. Get any laptop with SSD, minimum 8GB RAM, dual core minimum...
by Momus
Fri Jul 28, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 6045

Re: Vanguard Money Market vs. Savings Accounts

I would guess that "many" Bogleheads have their emergency funds in (high-yield) savings accounts. I like maintaining an account at a brick and mortar bank in case I need something that an online bank can't do--most recently a signature guarantee for Treasury Direct, and medallion before that. I've ...
by Momus
Thu Jul 27, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 6045

Re: Vanguard Money Market vs. Savings Accounts

Plenty of high yield savings account around, to name a new: Ally bank, Capital one, Goldman Sach, CIT bank, discover, synchrony, Barclay's. All of them offer 1.1% and above.
by Momus
Thu Jul 27, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11940

Re: What's your personal savings rate?

Saving rate is 88% of my NET income right now, if I calculate based on gross income, it is obviously much lower. I spend $800-900/mo expenses in rent, food, utilities, recurring bills and every expense I can think of. I'm cheap, very cheap.
by Momus
Thu Jul 27, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7163

Re: Post Nuptial agreement guaranteeing alimony?

I also echo various sentiment here. If I were OP husband, I would think to seriously divorcing OP as my wife. I don't think it's worth marrying someone like this. If the situation reverses, I would not put my spouse the same situation and ask her to sign a post nup just because you have to sacrifice...
by Momus
Mon Jul 17, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2999

Re: Would you look for a general handyman for these home jobs?

I need a handyman too... Can they normally have the knowledge to fix garbage disposal? Switch on, but it doesn't turn on.
by Momus
Fri Apr 21, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 8426

Re: Removing a tree - expensive!!!

I got at least 10 quotes+ with stump removed and picked the 2nd lowest. The estimate range from 1500-450. Of course I went with the $500. The highest one trying to rip you off, the lowest one trying to cut corners. I can't even tell that there was a tree there before. Dont get rip off with tree comp...
by Momus
Thu Mar 23, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5647

Re: How did you do your income taxes?

A friend of mine used Creditkarma. Free. Hasn't supported multiple states yet.

My self? Free TurboTax CD from a friend after he was done with his lol... Got my refund fed and state in exactly 7 & 8 days after e-filing.
by Momus
Sat Jan 21, 2017 11:58 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28371

Re: How much is your cell phone bill?

+$80/yr making money with Cricket -35/mo plan. 2.5GB LTE and unlimited txt and call.
by Momus
Wed Oct 26, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 19
Views: 2418

Re: Keeping Verizon Unlimited data Plan

T-mobile unlimited data 40/mo each for 4 lines. You can't beat that if your area has decent tmo coverage. Use tethering/mobile Hotspot. Then, drop your Internet cable bill, and TV cable bill. Save thousands a year.
by Momus
Sat Oct 01, 2016 2:17 am
Forum: Personal Consumer Issues
Topic: Do you maintain your house ac, furnace, and water heater? Anything else?
Replies: 14
Views: 1955

Do you maintain your house ac, furnace, and water heater? Anything else?

I have a house that I bought 3 years ago. I haven't done any maintenence on any of the above? Should I hire a pro to check on them? AC, furnace, water heater? Anything else I have to worry about breaking apart? Is it advisable to call a pro to do this? How often should I call a pro over?
by Momus
Tue Sep 27, 2016 11:33 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 15342

Re: What kind of car do Bogleheads like to drive?

8 yo accords, will drive it until the the wheels fall off.
by Momus
Tue Sep 27, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling Credit Card After Switch?
Replies: 10
Views: 1186

Re: Cancelling Credit Card After Switch?

Don't close it. Your credit age determine your credit score. Also if you close it, it will lower your credit limit, thus lowering your score as well. Put the card on auto buy 50 cents amazon gift card every month indefinitely. Throw the card in your safe. This way you will get a charge every month (...
by Momus
Tue Sep 27, 2016 2:28 am
Forum: Personal Consumer Issues
Topic: Tap Water filter for 2 adults? For drinking.
Replies: 10
Views: 1101

Tap Water filter for 2 adults? For drinking.

Anyone here can recommend a water filter for 2 adults household? Each person drinks around 2-3 liters a day. Something cost effective, enough to remove bad stuff (not even sure what that is). My tap water sometimes comes out brownish color... So I need a decent filter to make it suitable for drinkin...
by Momus
Tue Aug 30, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Best free net content (Like Youtube, not netflix or amazon)
Replies: 12
Views: 1758

Re: Best free net content (Like Youtube, not netflix or amazon)

Kodi... Ok, you did NOT see this word.
by Momus
Sat Jul 09, 2016 1:26 am
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 4202

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

My rotors are warped. I didn't know before. Have been driving for 5 years with warped rotors, thought it was weird shaking during braking. I just leave it alone -_-;?
by Momus
Thu May 12, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 47338

Re: Physician Retirement Savings

39 y/o, procedure oriented specialist. 8 years out of training Taxable and investment accounts 3.5 million, goal is 5 million and then start to work part time Save 85% of after tax income each month and invest in index funds. Live well below my means. Do all my own car repairs and home repairs whic...
by Momus
Tue May 03, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 6079

Re: Just called Directv and saved $600 for one year

I use Kodi. I pay 0 for all TV, movies, sports I want. Oh wait... I am not supposed to say that -_-;
by Momus
Sat Mar 05, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5673

Re: Mac laptop vs. Windows 7 (or 10) laptop

I was once a Mac zealot. However over time I became tired of the limitations of the Mac ecosystem - lack of 3rd party software and inability to customize the hardware to my needs. Now I can't tolerate owning a Mac and haven't bought one for quite a while. Same here. Loved the late 2000's to early 2...
by Momus
Sat Mar 05, 2016 2:52 am
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5673

Re: Mac laptop vs. Windows 7 (or 10) laptop

Use PC... save your money. Malware and popups are common, and nothing that a little googling can't fix. I have no trouble for the past 15 years using a PC that dawns Mac performance by significant margin. Mac higher price tag is simply NOT worth it. Mac is overpriced overrated product. Do NOT but th...
by Momus
Sun Feb 28, 2016 5:36 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 34014

Re: Don't understand nutrition and exercise

You don't need to... Weight loss is all about 90% diet not exercise. If you think your weight hasn't dropped the past week or two, you are eating too much. Simple as that. If u think you already cut down the calories, you have NOT cut enough... I choose to forfeit exercise sometimes because it takes...
by Momus
Sun Feb 28, 2016 5:45 am
Forum: Personal Finance (Not Investing)
Topic: 1099-DIVs Vanguard (mutual fund and brokerage account)
Replies: 9
Views: 962

1099-DIVs Vanguard (mutual fund and brokerage account)

I had mutual fund account and brokerage fund account. All these times Vanguard sent 2 1099-DIV separately for mutual fund and brokerage account. They are not the same and they don't report the same $$ amount The problem is Vanguard named the brokerage PDF document as "consolidated 1099 tax stat...
by Momus
Sun Feb 21, 2016 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2166

Re: Which one is better? Pension vs. 401k?

I'm sure you can do the math of one vs the other of course and I don't know if job #2 has even better career/income prospects down the line (I'm just using the numbers you provided, but different career trajectory prospects might change the equation). Questions about the pension: 1) Is there a mini...
by Momus
Sun Feb 21, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2166

Re: Which one is better? Pension vs. 401k?

Job # 2 sound like a better monetary deal. My back of the envelope estimate is Job # 1 at retirement would pay a pension in the low to mid 40k's per year at 65. You might want to check what an immediate annuity lump sum would be required to pay 40k per year to see what the value of that pension mig...
by Momus
Sun Feb 21, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2166

Re: Which one is better? Pension vs. 401k?

Both seem good - which would you rather work at? which offers you a better work-life balance etc. Do you prefer a steady income stream or to take your chances with the market? How secure is the first company? Do you think you'll ever want to retire early? Job 2 provides more flexibility I imagine. ...
by Momus
Sun Feb 21, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which one is better? Pension vs. 401k?
Replies: 14
Views: 2166

Which one is better? Pension vs. 401k?

31 years old, planning to retire 65. #1 Current job with pension (7 years into) Base salary $133,120 Pension benefit $78.50/mo each year worked for the first 10 years, $104.60/mo each year there after. So, 78.5 X 7 years = 549.5/month 401k up to $1000 matching - always contribute 18k a year No bonus...
by Momus
Sat Apr 25, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2917

Re: Pharmacy School Loan Advice

I'm also a pharmacist 30 yo. Don't go to pharmacy school. Your daughther is going to regret it. Job market is getting worse each year. There are more better career options out there with better outlook and still pulls in 120k/yr just like pharmacy. Avoid this profession like a plague.
by Momus
Sat Dec 27, 2014 10:03 pm
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 3811

Equal Weighted Funds - Better?

Is this really better than a regular cap weighted index fund? Should I switch over and dump my Vanguards?

http://www.marketwatch.com/story/ignore-john-bogle-and-dump-your-sp-500-index-fund-2014-12-10?page=2
by Momus
Sat Dec 27, 2014 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 12406

Re: Best Online Savings bank

Ally Bank.
by Momus
Sat Nov 22, 2014 5:20 pm
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 23729

Re: Side jobs or hobbies that make you money

Momus wrote:
imgritz wrote:
Momus wrote:Become an Uber driver ~$20k/year part time.

Interesting. Does Uber supply the car and insurance?


Nope


More info... http://www.quora.com/How-much-money-doe ... e-for-Uber