Search found 927 matches

by TheOscarGuy
Sat Nov 16, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 15
Views: 994

Re: Toyota Highlander vs Subaru Ascent--Advice

Hey Folks, Going to retire within the next year and have decided to buy a new vehicle because I love road trips . I've always lived frugally and view this as a one time treat. I currently own a 2010 Forester and love it but for long distance driving (1000+ miles) it can be confining and I'm tired o...
by TheOscarGuy
Wed Nov 13, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 31
Views: 2372

Re: Apple TV vs Competitors

What are the main differences between an Apple TV for around $180 and an Amazon Firestick? I own the latter and am very satisfied with it. Does the content/programming vary significantly between Apple TV, Roku and Amazon Firestick to where a good number of consumers own all three? amazon fire stick...
by TheOscarGuy
Thu Nov 07, 2019 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 19
Views: 2923

Re: Fidelity Free Turbotax 2019

stlutz wrote:
Thu Nov 07, 2019 12:19 am
That is always one of the more entertaining threads of the year--everybody trying to figure out the formula for who gets free Turbotax from Fidelity.
:happy I know what you mean, I tried a few times and gave up as the offer didnt show up for me.
by TheOscarGuy
Sat Nov 02, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72341

Re: Flaunt Your High-Mileage Car

I just let my last Toyota LandCruiser go at 385,000 miles....I bought a new one and will drive it for 350K or so and repeat if I am not in the urn by then. They are terrible on gas and amazing solid beasts of a truck to own and drive. I take mine in every 10K to the dealer for service and have it d...
by TheOscarGuy
Sat Nov 02, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72341

Re: Flaunt Your High-Mileage Car

I just let my last Toyota LandCruiser go at 385,000 miles....I bought a new one and will drive it for 350K or so and repeat if I am not in the urn by then. They are terrible on gas and amazing solid beasts of a truck to own and drive. I take mine in every 10K to the dealer for service and have it d...
by TheOscarGuy
Fri Nov 01, 2019 4:32 am
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1973

Re: Website that shows salary/benefit/401k information for companies?

Hi Bogleheads, I'm trying to do more research on potential companies I would like to work for. Ontop of glassdoor, what other sites could I possibly get more information about the companies benefits/salaries? HR and recruiters tend to focus on the fit of the role, interviewing process, before addre...
by TheOscarGuy
Wed Oct 30, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10592

Re: Apple Pay. Does anyone use it?

Apple Pay is very secure, arguably more so than the credit card itself, so you don't need to worry about using it. One problem I’ve read is that scammers have taken stolen credit card numbers and convinced the issuing bank to authorize them for Apple Pay on an iPhone. They then go out and make a bu...
by TheOscarGuy
Tue Oct 29, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: AmEx rewards vs cash back cards, which is best
Replies: 9
Views: 423

Re: AmEx rewards vs cash back cards, which is best

I see the points guy equates an AmeX membership rewards point as being worth about 2 cents. I have a 2% cash back fidelity card. Cash back is obviously more flexible but sometimes I can leverage rewards points for more. What's the consensus on the forum regarding which is generally better? For me, ...
by TheOscarGuy
Tue Oct 29, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Re: Universal Orlando for 4 days

Edit to add note: Since your hotel key card is the Express pass, you can book the hotel using the cheapest method you can find, and you can buy the park tickets using the cheapest method you can find. They do not need to be purchased as a package. Thank you, yes I have started looking at tickets se...
by TheOscarGuy
Tue Oct 29, 2019 5:19 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Re: Universal Orlando for 4 days

All in all, Universal is fun... but I prefer Disney, even as a single, adult guy. Universal has some good characters/themes, but I'm not a big simulated motion ride type of person... and that's about 2/3rds of the rides there. Thank you, this was the kind of response I was looking for. I think it i...
by TheOscarGuy
Mon Oct 28, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8808

Re: How much do you plan to spend on your children's weddings?

I have two sons who do not have serious girlfriends at this time. But I want to set aside some money for their eventual weddings before I retire. I am interested in knowing how much do you plan to spend (did you spend) on your children's weddings? And how do you invest the money? Some background in...
by TheOscarGuy
Mon Oct 28, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Re: Universal Orlando for 4 days

Staying on site at Universal is well, well worth it. Make sure it is one of the hotels with front of the line though! We like the Royal Pacific hotel best because it is less expensive and you can walk or boat to the parks. I am not sure what is front of the line but I will look. I just looked for t...
by TheOscarGuy
Mon Oct 28, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Re: Universal Orlando for 4 days

- we get tickets thru the Undercovertourist site, they are a few bucks cheaper Thank you. I didn't realize that was an option (that I could buy tickets separately). I will look into how much $$ I will save, I had assumed I need to get tickets + passes from universal at the same time I book resort r...
by TheOscarGuy
Mon Oct 28, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Re: Universal Orlando for 4 days

It’s been a number of years, but we did a trip that included Sea World, Universal and the water park across the street from Universal (I don’t remember the name). Seems like we completed Universal in 2 days, did Sea World in a day and did 2 afternoons the water park. Water park was a bit chilly in ...
by TheOscarGuy
Mon Oct 28, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1258

Universal Orlando for 4 days

We are looking to go in January (MLK holiday, Friday to Monday) 2020. We are thinking of getting Loews resort so as to get the train ticket. I am wondering though if it is worth the additional expense. I am very well versed with Disney, not so much with universal. 1. Do we save any time being on pro...
by TheOscarGuy
Fri Oct 25, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1775

Re: Anybody use a battery-powered snowblower?

Hi Bogleheads - A few years ago I was seriously considering buying a snowblower, and in fact I started a thread here on that subject. Ultimately I didn't get around to buying one, but now I'm sure I will. I'm currently thinking about a battery-powered one. Anybody have any experience with these thi...
by TheOscarGuy
Tue Oct 22, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 5728

Re: Living life post smart phone

Has anyone here devolved and went back to using a regular phone after years of using a smart phone? If so, which phone did you get. I’m interested in removing the temptation of always being on my iPhone by removing the phone all together. I would love to find a phone that could still check e-mail a...
by TheOscarGuy
Mon Oct 21, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5438

Re: Help me find some high quality cargo pants.

These are becoming hugely popular in my workplace environment. Personally, I would never pay that much for a pair of pants and I think they are hideous (they look like they are cut for a female and the fabric is oddly "shiny", for lack of a better word), but I'm a very simple dresser. I haven't see...
by TheOscarGuy
Mon Oct 21, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5438

Re: Help me find some high quality cargo pants.

I like Lululemon pants. I wear them to work as they look good, are extremely comfortable and use high quality materials, so never wrinkle. Also they have a very smart pocket design. One of the Lululemon pants I have even has a sort of a reflective strip on the inside of the legs, which is meant to ...
by TheOscarGuy
Fri Oct 18, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4583

Re: Preparing for 25% tariff on Scotch

marathonwmn wrote:
Sat Oct 05, 2019 4:38 pm
Has anyone started purchasing single malts in advance of the tariffs starting later this month? As I see it this would result in a 25% savings over buying after tariff goes into effect. Cheers.
Yes. At least that's what I told my wife.
by TheOscarGuy
Fri Oct 18, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5438

Re: Help me find some high quality cargo pants.

I like Lululemon pants. I wear them to work as they look good, are extremely comfortable and use high quality materials, so never wrinkle. Also they have a very smart pocket design. One of the Lululemon pants I have even has a sort of a reflective strip on the inside of the legs, which is meant to ...
by TheOscarGuy
Thu Oct 17, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: ADT home security after contract expires
Replies: 23
Views: 1552

Re: ADT home security after contract expires

You should get away from ADT. It is very expensive and the DIY solutions have much better service + cheaper. I have simplisafe. The reason that Simplisafe is a good choice for some people, is ease of installation combined with no contract. If you already have equipment, and can get features (like a...
by TheOscarGuy
Thu Oct 17, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: ADT home security after contract expires
Replies: 23
Views: 1552

Re: ADT home security after contract expires

We started with ADT about 2.5 years ago, which includes multiple glass-break alarms, door open alarms, a few fire/CO alarm and several outdoor cameras. We enjoy the service, but for ~$59/mo. service, we are contemplating life after our 3 year contract runs out. Has anyone successfully negotiated wi...
by TheOscarGuy
Thu Oct 17, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9988

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

For this thread to be actionable, I am looking at changing wireless service providers and they offer huge discounts on the latest Android and iPhone and so I am genuinely interested in what people see in the iPhone. I've always used Android primarily with free and open source software, and although...
by TheOscarGuy
Mon Oct 14, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: How much do you spend on clothing?
Replies: 38
Views: 2621

Re: How much do you spend on clothing?

For myself and 2 kids (7yr old daughter and 4yr old son): <$500 combined. I have a professional career, but clothing lasts me forever (I have slacks and work shirts that are well over a decade old). For my wife...I prefer to not know. She has a side hustle that makes $200-$400/month and has a separ...
by TheOscarGuy
Wed Oct 09, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2824

Re: When to put on new roof?

We will soon need to replace the roof on our house (almost 40 years since we did the current roof). With, probably, a degree of flexibility, are there better times/seasons to do this? The two (probably equal to me) considerations I can think of are: 1. Getting a lower price to have the work done - ...
by TheOscarGuy
Mon Oct 07, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4906

Re: Would or should you tip AAA road assistance?

I am not a "big tipper", but regard tipping as a "necessary evil" in the US. I tip normal amounts at restaurants, taxicabs, and Hair Cuttery, hotel assistance with luggage, etc. I rarely ask for or need/want special or extra services. For AAA Roadside assistance and/or being towed to a repair facil...
by TheOscarGuy
Mon Oct 07, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3845

Re: Kayaking & Fisherman - What is proper etiquette?

As a side-note: Use care when Kayaking on the Maine Coast. Lobster Boat captains refer to Kayaks as "Speed Bumps" :) Every summer you hear at least a few such incidents: boats don't see kayaks and end up hitting them. Maybe a safer approach is apart from increasing visibility to stay in smaller lak...
by TheOscarGuy
Mon Oct 07, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3845

Re: Kayaking & Fisherman - What is proper etiquette?

Kayaks don't hurt fishing lines... Fisherman should have reeled line in, does not own the lake. I have done this, every time a kayak gets too close to shore where I am fishing. However, it does not happen often, folks are usually good at giving others some space. A person in kayak can just move if ...
by TheOscarGuy
Wed Oct 02, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3278

Re: Salt-Free Water Softeners

Seems like several Bogleheads with more expert knowledge have weighed in. The only thing I didn't see was that to minimize the amount of salt you use, you may want to consider getting a metered tank. Someone alluded to that, but didn't mention this option. Many water softeners regenerate the resin ...
by TheOscarGuy
Tue Oct 01, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3278

Re: Salt-Free Water Softeners

I was hoping you would get more responses to your post. I currently have the salt one and it gets old hauling bags regularly in basement regularly. I am curious after seeing your post that there was such an option. Are they really maintenance free as the claim? From what I can tell the pre filter n...
by TheOscarGuy
Tue Oct 01, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8656

Re: Apple iPhone iOS 13 Discussion

Leesbro63 wrote:
Mon Sep 23, 2019 12:04 pm
OK, I upgraded to ios13. I can see some new tweaks, but so far nothing "gee whiz". I'm wondering if I'm missing any obvious big improvements?
If you have an older iPhone, hasn't it become slow yet? :happy
by TheOscarGuy
Mon Sep 30, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3278

Re: Salt-Free Water Softeners

I'm looking into salt-free water softeners to save on space. There are dozens of options, and I've become overwhelmed. Does anyone have a salt-free water softener that they recommend? I am really attracted to the SpringWell FutureSoft, but can't find reviews anywhere! Help would be much appreciate....
by TheOscarGuy
Sun Sep 29, 2019 5:13 am
Forum: Personal Consumer Issues
Topic: Salt-Free Water Softeners
Replies: 42
Views: 3278

Re: Salt-Free Water Softeners

I'm looking into salt-free water softeners to save on space. There are dozens of options, and I've become overwhelmed. Does anyone have a salt-free water softener that they recommend? I am really attracted to the SpringWell FutureSoft, but can't find reviews anywhere! Help would be much appreciate....
by TheOscarGuy
Fri Sep 27, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4212

Re: Suggestions for good leather shoe?

I like Bostonian, personally. But stay away from their lower-end junk. I would second this. They are extremely comfortable and my current shoe is 8 years old still going strong. I had a problem with mine after a year of usage, told their customer service and they let me choose anything I wanted fro...
by TheOscarGuy
Thu Sep 19, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 24798

Re: IT compensation comparison

https://insights.dice.com/2019/09/16/microsoft-software-engineers-reveal-salaries/ The link above gives an idea of the average compensation of a typical microsoft employee with 3 years of tenure. It shows total compensation of around 180K including stock and bonuses but not including benefits. Is t...
by TheOscarGuy
Mon Sep 16, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: New iPhone on sale for $599.99
Replies: 52
Views: 4130

Re: New iPhone on sale for $599.99

runner3081 wrote:
Mon Sep 16, 2019 8:55 am
That is so much money for a cell phone. Doesn't seem worth it at all.
Clearly you did not look at pricing of any of the earlier iPhones. IIRC, X was already thousand dollars, I dont recall what was XR selling for.
by TheOscarGuy
Sun Sep 15, 2019 7:35 am
Forum: Investing - Theory, News & General
Topic: Oil price going to a $100-- time to change your asset allocation??
Replies: 86
Views: 8648

Re: Oil price going to a $100-- time to change your asset allocation??

Drones knocked 50% of Saudi oil supply. Oil price is rising.. If it stays high for a sustained period along with the tariffs, it will not be good. Historical oil chart shows that price has spiked before recessions. Is it prudent to reduce stock exposure now? Yes market timing is bad.. Stocks have b...
by TheOscarGuy
Sun Sep 15, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 45
Views: 4876

Re: Bogleheads, how are your three fund portfolios doing?

Any Bogleheads interested in sharing how your 3 fund portfolios have been performing in the past 1, 5 and 10 years? Why is this questions answer not self evident, if our definition of 3 fund portfolio is the same? :D There could be small differences in vanguard vs fidelity for example, but if we me...
by TheOscarGuy
Mon Sep 09, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3861

Re: Lending to friend to India

Hi, I am considering lending a large sum (100k) to a friend in India. I will be charging nominal interest and he will be paying back everything in dollars (i.e. he assumes all currency risk). Does any one have any experience doing it? What is the best way to send and receive money? How to make sure...
by TheOscarGuy
Wed Sep 04, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3369

Re: How often do you receive out-of-sequence pay bumps?

For mid-career folks, how often do you receive out of sequence pay bumps? i.e., most of us receive an annual raise, and I am not talking about those because those are loosely based on inflation and allow one to simply maintain their lifestyle. What I'm referring to is an increase in salary that off...
by TheOscarGuy
Wed Sep 04, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5566

Re: Alumni donations to help children get into college

Me and my wife both get solicitations to donate to our respective alma mater. Does it help my kids chances to get into the same college if I donate to those universities ? I mean via "legacy admissions". Say one or two thousand dollars per year. My kids have another 15 years to go before college. S...
by TheOscarGuy
Wed Sep 04, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5566

Re: Alumni donations to help children get into college

Me and my wife both get solicitations to donate to our respective alma mater. Does it help my kids chances to get into the same college if I donate to those universities ? I mean via "legacy admissions". Say one or two thousand dollars per year. My kids have another 15 years to go before college. S...
by TheOscarGuy
Wed Sep 04, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3841

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

With some effort, you can choose your own "area" in youtube TV. That will show you all games showing in say Philadelphia. It will also change all local channels which may be annoying to you. Sunday ticket is cheaper if its for a student. Do you have one in your household? Circumvention of local are...
by TheOscarGuy
Wed Sep 04, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 3841

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

Lifelong Philadelphia Eagles fan. I live outside of the broadcast area for the team's games. I have a basic cable TV package (channels 2 through 13). I wish to be able to stream all Eagles games, whether on Sundays, Mondays, or Thursdays. My understanding is that the NFL Sunday Ticket is restricted...
by TheOscarGuy
Tue Sep 03, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2994

Re: Looking to buy a Patagonia jacket. Which are your favorites?

looking for something warm, but somewhat breathable with a bit of durability. the Down Sweater looks good, but perhaps too warm and not breathable enough. The Micro Puff and Nano Puff look OK - but don't get the best of reviews on their site. what else? I do not see the point in buying something to...
by TheOscarGuy
Mon Aug 26, 2019 1:58 pm
Forum: Investing - Theory, News & General
Topic: Volatile stocks for fun: Limit Order or Stop Limit Order for maximum profit
Replies: 25
Views: 1443

Re: Volatile stocks for fun: Limit Order or Stop Limit Order for maximum profit

I invest a small amount of money in a few individual stocks for fun and education. The total sum is only a tiny fraction of my total investment, and I am not going to blink if I lose it all. One of them is a highly volatile small company and I made off it decently a couple of times. In both occasio...
by TheOscarGuy
Mon Aug 26, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13224

Re: Amazon -- no longer the lowest prices, evidently

Consider this: Over 50% of Amazon's sales orders are third party (Google: What percentage of Amazon sales are third party?) So, Amazon itself is not setting the price on half their orders. They are just collecting a commission for being a sales outlet. Those third party sellers have to make money s...
by TheOscarGuy
Fri Aug 23, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I skip scheduled car maintenance?
Replies: 26
Views: 1974

Re: Should I skip scheduled car maintenance?

My Lexus dealership calls me every 5k miles for car maintenance. The car gives me an alert as well. I looked at what the manual recommends and I think every 10k will be just fine, in large part because they do an oil change every 10K miles. Additional info: I drive twice as much as what the manual ...
by TheOscarGuy
Tue Aug 20, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2342

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

You said just oil changes for past 5 years, so no timing belt/water pump service? I think its due for Pilot at roughly 10 yr/100K miles, I imagine somewhere close for CRV as well? Also spark plugs? And have you never changed transmission oil, AWD if its AWD? 2008 CR-V has a timing chain. Thanks, ju...