Search found 124 matches

by barreg
Tue Oct 20, 2020 12:10 pm
Forum: Personal Investments
Topic: WSJ Case Study on Retirement
Replies: 48
Views: 6318

Re: WSJ Case Study on Retirement

The free version of the article looks like it was written in another language and translated to English via Google Translate. Close enough that you get the meaning, but not the way any native English speaker would write.
by barreg
Tue Jul 21, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9513
Views: 664469

Re: Refinance Mega Thread

Has anyone actually collected the Better Price Guarantee, either at the $1,000 or $100 level? Better.com did not come close to my loan estimate, and, oddly enough, they have not contacted me in the several weeks since I filed a claim. Better has already beaten 2 competing LE's by $100 each for me.
by barreg
Tue Jul 07, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9513
Views: 664469

Re: Refinance Mega Thread

I'm just starting the process and have what might be a dumb question. My first application is with LenderFi. They pulled credit and gave conditional approval. Do I need to provide all the necessary documentation (pay stubs, W2's, etc.) first in order to get an actual Lender Estimate?
by barreg
Wed Jul 01, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 9513
Views: 664469

Re: Refinance Mega Thread

For someone like myself who's just starting the refinance process, is it recommended to apply with several lenders at once, and then see if they will beat the lowest rate/cost? Also, I do have a personal Amex card, so I assume I'd qualify for the Better.com $2,500 rebate, but from reading the thread...
by barreg
Tue Jun 09, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Redeeming Citi Costco rewards without visiting Costco?
Replies: 12
Views: 6669

Re: Redeeming Citi Costco rewards without visiting Costco?

This is my problem with Costco. You have a rewards card, why not just credit the rebate back to the card? Amazon does this with their card. Checks get lost, the one they give my 91 year old Dad I have to go to see him and get him to Costco to redeem. I am sure many people do not redeem their check ...
by barreg
Thu May 21, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5557

Re: Secrets to a great lawn

If you want to know when to apply crabgrass pre-emergent, Michigan State University has a website where you can sign up for email notification for when they determine the appropriate soil temperature for your zip code. https://www.canr.msu.edu/news/use_gddtracker_to_schedule_applications_to_turfgras...
by barreg
Sat Apr 18, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 58
Views: 4471

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

If you get a laptop with USB-C, this is a great little USB-C hub that I use, connected to 2 external monitors.

https://www.amazon.com/gp/product/B0841T9KC9
by barreg
Sun Apr 05, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178928

Re: Boglehead Beer

Previously hated IPAs, now I love IPAs. My two faves right now: Deschuttes Fresh Haze and Cigar City Jai Alai Funny how that happens I think a lot of breweries went for the full bitter without giving much consideration to taste, resulting in a lot of micro-brews producing something truly horrendous...
by barreg
Wed Apr 01, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Wine Club Recommendations?
Replies: 15
Views: 1305

Re: Wine Club Recommendations?

I'd recommend selecting a wine club from a winery that you know you like the wines. Too many wine clubs just are unloading random wines of varying to poor quality.
by barreg
Thu Feb 27, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 10167

Re: How Do you Exercise Indoors?

During the winter months, it's usually on my road bike which is on a (Kurt Kinetic) trainer. Will only do the treadmill if there's ice on the roads because it's boring as hell. Have a big ass fan pointed at myself on the bike or treadmill and Netflix/Amazon via a TV on the wall. Also, swim several d...
by barreg
Wed Feb 05, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Myfreetaxes gone temporarily or for good
Replies: 9
Views: 1189

Re: Myfreetaxes gone temporarily or for good

I used FreeTaxUSA last year for my taxes and it worked well
by barreg
Sat Nov 23, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Good waterproof ear plug?
Replies: 4
Views: 458

Re: Good waterproof ear plug?

Have you tried this type of moldable earplugs? https://www.swimoutlet.com/p/macks-soft-moldable-silicone-putty-ear-plugs-kids-size-1181/?&color=10881 Have some of them leftover from when my kid surgically had ear tubes placed. Looks like the kid ones would work for myself, and I suspect they ha...
by barreg
Tue Oct 15, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 9063

Re: Why are Mazda CX-5’s sales so much less than other brands?

For whatever reason, it seems like each Mazda vehicle is somewhat smaller than competing vehicles in the same class, which may have an impact.
by barreg
Wed Oct 02, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 4402

Re: How to find the best credit card promotion?

Agree that Doctor Of Credit and ThePointsGuy are good places to start. If you're willing to spend a good amount of time reading up on info, the churning sub-reddit already linked has lots of info on approaches and good Q&A discussion. However, be aware that the churning sub-reddit members expect...
by barreg
Wed Oct 02, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 4
Views: 708

Re: Ceiling soffit removal

I agree with lthenderson. You need to see what's actually in the soffits to see what's there. We removed soffits when we remodeled our kitchen. We needed an electrician to move some wiring and a plumber to move a water pipe that went through the soffit (for no apparent reason). However, there was a ...
by barreg
Fri Jun 21, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 72
Views: 5102

Re: Passport photos cheap

I've done DIY for my and my wife's passports and the kids 2x over the past 5 years and had no issues.
by barreg
Wed May 29, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Bosch , Season 1, on Amazon Prime. I haven't read the books, as I'm mostly into sci-fi. My first impression - Bosch is a modern-day incarnation of Joe Friday. The short back-and-forth "just the facts" dialog is eerily similar to the Dragnet TV series I watched when I was kid - I watched e...
by barreg
Thu May 09, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Season 3 of Sneaky Pete on Amazon Prime was just released, so that's my current binge.
by barreg
Thu Apr 11, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 164
Views: 27328

Re: Trader Joe's Fans - good value?

I go to TJ once a month for one product only. Their dark chocolate covered almonds, 73 percent cacao, from Belgium. Worth the trip for that product. And I can use the express checkout lane. Good luck. Interestingly, I'm a huge fan of TJ's "regular" dark chocolate almonds (comes in a 16 oz...
by barreg
Wed Mar 06, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6279
Views: 1425316

Re: What Movie Have You Recently Watched?

Layer Cake on Netflix. Very strong cast. Daniel Craig (of James Bond fame) is a middleman in an organized crime group, and plans to get out. Mayhem ensues and drags him into things he can't avoid.
by barreg
Tue Mar 05, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower recommendation
Replies: 12
Views: 1038

Re: Riding lawn mower recommendation

We just bought a new Simplicity Regent lawn tractor to replace one that was about 15 years old. Have had good experience with Simplicity in the past. We have about a 1/2 acre of grass and a decent amount of hills and it does well. It was just under $2,500
by barreg
Fri Mar 01, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Is the Bonvoy Boundless card worth the $95 annual fee?
Replies: 20
Views: 1928

Re: Is the Bonvoy Boundless card worth the $95 annual fee?

alpenglow wrote: Fri Mar 01, 2019 9:26 am This is a bit off topic, but am I the only one that thinks the new names for these cards (Bonvoy Boundless / Bonvoy Brilliant) are terrible?
You aren't alone. People have been making fun of the new "Bonvoy" name since it was announced
by barreg
Sat Feb 23, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Currently watching The Umbrella Academy on Netflix and it's pretty good. Kind of a combination superhero/mystery series.
by barreg
Tue Feb 12, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing Your Own Taxes
Replies: 13
Views: 1526

Re: Preparing Your Own Taxes

If you get the forms and associated instructions from the IRS and don't have super complicated tax situations (e.g. depreciation, etc.) it's not hard to do your taxes yourself. I have a spreadsheet setup where I actually estimate my taxes in advance based on expected income and available tax forms (...
by barreg
Tue Feb 12, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea or Good Idea? - Investing in 529 College Savings Plan
Replies: 70
Views: 5193

Re: Bad Idea or Good Idea? - Investing in 529 College Savings Plan

529 plans are not a great idea if you are not wealthy, expect financial aid, or you have not contributed maximums possible to your retirement plans. Let me address each item. Let me start by saying I have used a 529 account that had a balance that reached a little over $300K for my 3 kids. 1) I am ...
by barreg
Thu Feb 07, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Deleting scanned pages with Brother multifunction printer
Replies: 7
Views: 810

Re: Deleting scanned pages with Brother multifunction printer

Am I correct that you just want to delete one or several of the pages of the PDF that was created by the scan? If so, just open the PDF with Google Chrome, select "Print" from the menu (or hit CTRL+P) and then print to PDF instead of your printer and enter the page numbers you want to keep...
by barreg
Tue Jan 22, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Drink Up! [Bogle Vineyards Wine]
Replies: 35
Views: 9533

Re: Bogleheads Drink Up! [Bogle Vineyards Wine]

The Bogle wines listed above are pretty solid, especially for the price. Bogle also produces a "Phantom" red blend and a Chardonnay that are even better and are still reasonably priced, around $15.
by barreg
Mon Jan 21, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Finished season 1 of a new series on Amazon Prime, "Informer" and thought it was very good. In some ways, it reminded me of the series "The Night Of", where someone who seems like a really nice guy is in the wrong place at the wrong time and subsequent events really mess with hi...
by barreg
Mon Jan 21, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Finished season 1 of a new series on Amazon Prime, "Informer" and thought it was very good. In some ways, it reminded me of the series "The Night Of", where someone who seems like a really nice guy is in the wrong place at the wrong time and subsequent events really mess with his...
by barreg
Thu Jan 17, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 91
Views: 9472

Re: Swimming, do you? Advice sought.

+1 more to the many posts mentioning how important technique is when swimming. You can pick up a lot from watching YouTube videos of swimming. Also, the website https://www.swimsmooth.com has lots of videos and tips as well. However, getting at least a few lessons and/or coaching sessions would like...
by barreg
Thu Jan 17, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 53
Views: 7034

Re: Netflix Recommendations

I'd suggest checking out two existing topics on the board, which have lots of great suggestions for Netflix and Amazon Prime: -What TV Show Have You Recently Watched? https://www.bogleheads.org/forum/viewtopic.php?f=11&t=181257&start=1000 -What Movie Have You Recently Watched? https://www.bo...
by barreg
Tue Jan 01, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 3041

Re: Snow Plowing

We've got about a 1/2 acre of grass and a 400' hilly driveway, so we have a lawn tractor that does double duty as a lawn mower in the summer and a snow thrower in the winter. We used a plowing service our first winter in the house, but it was a pain as they usually wouldn't come until a storm was cl...
by barreg
Tue Jan 01, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2544
Views: 257734

Re: [What TV Show Have You Recently Watched?]

Just finished Patriot (2 seasons) and Homecoming on Amazon Prime. Both were very interesting and different.
by barreg
Mon Dec 31, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 46
Views: 6466

Re: Tips on preventative home maintenance?

Good point. Also try the water cut off valves behind the toilets and sinks to make sure they actually work too. If they have not been used in years they may not. Also locate the natural gas cutoff and know how to turn it off in an emergency, especially if you live in an earthquake prone area. You c...
by barreg
Sat Dec 15, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 3077

Re: Annoyingly Expensive HP Ink Cartridges

We gave up on ink cartridges years ago due to some of the same frustrations. Have been really happy with our Brother laser printer. Initial cost is about the same as most inkjet printers, the toner lasts a long time, and have been able to use 3rd party replacement toner. We just go to Walgreens or C...
by barreg
Sat Dec 08, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Portable Bluetooth Speaker Recommendations (loud and good sound quality)
Replies: 33
Views: 2510

Re: Portable Bluetooth Speaker Recommendations (loud and good sound quality)

My kids have the JBL Flip 3 and Sony (not sure of the model number) bluetooth speakers and both of those do a very good job of sounding good, no matter where they're placed or where you are relative to the speaker. I have the Oontz XL and while it sounds great if it's pointed right at you, the sound...
by barreg
Thu Dec 06, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Quality Kitchen Faucet Recommendations?
Replies: 36
Views: 3412

Re: Quality Kitchen Faucet Recommendations?

Not a fan of Delta. Our Delta Ashton faucet looks great and worked great at first, but within a few months, it gets to the point where there is only a single spot you can put the handle or else it drips and the spray always comes on regardless of if you pushed the spray button or not. Delta provides...
by barreg
Sat Dec 01, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4323

Re: declining employer benefits?

A former employer of mine would give you like $200/month if you declined their health insurance and showed proof of coverage elsewhere, but did away with the "rebate" around the time that Obamacare came out. Similarly, my employer would give any employee that declined healthcare benefits ...
by barreg
Sun Nov 25, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Best LED lights for Kitchen Cabinets?
Replies: 5
Views: 997

Re: Best LED lights for Kitchen Cabinets?

When we remodeled our kitchen, I replaced the fluorescent under-cabinet lights with MaxLite LED bars and we really like them. Was able to use existing wiring and the light bars are very low profile.

https://www.prolighting.com/brands/maxl ... tbars.html
by barreg
Tue Oct 23, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Best location to rent in Rome for vacation?
Replies: 7
Views: 859

Re: Best location to rent in Rome for vacation?

We also stayed in an apartment (HomeAway) near Campo de Flori and thought it was a great location. Easy to walk to most of the sites you'd want to see and lots of restaurants nearby. Most places within the historic center (aka Aurelian Walls) are good locations and easy to walk to, though the area n...
by barreg
Fri Oct 19, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 10243

Re: When to change tires; and what brand

Sometimes at Costco - they do not always have the desired tires in stock. It can make sense to check with them a bit before you need to have the desired tires installed. If they don't have the tires in stock, you can usually buy them on their website and they'll be delivered to your local Costco wi...
by barreg
Wed Oct 17, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 2156

Re: Sneakers with good arch support

I agree with the suggestion of just getting insole inserts if you're just looking for insoles with good arch support and which can be moved to most shoes (as long as their insoles are removable). I have several pairs of the green SuperFeet insoles (picked them up on sale over time) as well as custom...
by barreg
Sun Oct 07, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 14086

Re: What purchase saved you the most money?

confusedinvestor wrote: Sat Oct 06, 2018 1:07 am +1
$7 Apothic Red
UpperNwGuy wrote: Fri Oct 05, 2018 11:55 am Cheap wine.
Also, appropriately named for this forum, any of the Bogle wines. They're surprisingly good without even needing to throw in the qualifier "for the price" (they're great for the price)
by barreg
Sat Oct 06, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 954
Views: 178928

Re: Boglehead Beer

If you like beer and you like bourbon, you'll like Founder's Backwoods Bastard. Tyranena's Rocky's Revenge is another good beer with bourbon hints, a brown ale aged in bourbon barrels. Not sure if it's available outside Wisconsin, Illinois, and Indiana.
by barreg
Fri Aug 17, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 3605

Re: Costco penny install sale & road hazard terms

We bought a new set of tires from Costco earlier this year. Two weeks later, one of the tires got a nail in it. When I took it in, they replaced that tire for free because the nail was too close to the edge of the tire to patch. The warranty only covers the damaged tire(s) and is prorated based on t...
by barreg
Tue Aug 07, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5934

Re: Maui Hawaii Trip - How to save money?

While you're at Costco, check out their restaurant gift cards. They usually have gift cards for Roy's and a few other restaurants for $79 (with a value of $100).
by barreg
Sun Aug 05, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 53
Views: 4378

Re: What’s your Value Colombian coffee?

I'm a big fan of the Colombian Supremo coffee beans at Costco. Very good flavor, about $5/lb. Haven't noticed any off or stale flavors. barreg, How do you brew your coffee? Expresso? Costco store roasted coffee bean tend to be over-roasted because they use a big 1,000-pound coffee roaster. If you d...
by barreg
Sun Aug 05, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 53
Views: 4378

Re: What’s your Value Colombian coffee?

I'm a big fan of the Colombian Supremo coffee beans at Costco. Very good flavor, about $5/lb. Haven't noticed any off or stale flavors.
by barreg
Wed Aug 01, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2551

Re: How to Learn Italian (a little) Before Trip to Italy

I took an Italian class at a local community college before our trip to Italy and it came in quite handy. While you can get along with English in most of the major tourist cities, knowing Italian came in very helpful at the small train depot in Tuscany when the person behind the counter understood n...
by barreg
Mon Jul 02, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 8731

Re: Insight Card (APY 5%) full personal review

I'm withdrawing the full balance (ACH originating from Ally Bank)