Search found 107 matches

by ab80
Sun Feb 15, 2015 2:26 pm
Forum: Personal Investments
Topic: Projection at age 28 - Is this correct?
Replies: 10
Views: 1911

Re: Projection at age 28 - Is this correct?

letsgobobby wrote:Sure. Just don't forget about inflation.
OP also didn't increase contributions to account for inflation.
by ab80
Tue Jan 06, 2015 1:26 am
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 8560

Re: Best albums from 2014?

Origins by Eluveitie. I'm sure everyone on here would hate it though.
by ab80
Sun Nov 23, 2014 12:35 pm
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 5106

Re: Tell me about FitBit - is it worth having?

Don't know anything about it except a couple commercials I've seen. I think it looks stupid, no offense. You can track what you eat to see your maintenance calories. You can do cardio activity to help burn off fat, and go to the gym and lift weights to get in better shape. Looks like a waste of mone...
by ab80
Sat Nov 01, 2014 1:19 pm
Forum: Personal Investments
Topic: Being laid off soon: Thinking of changing my AA
Replies: 11
Views: 1782

Re: Being laid off soon: Thinking of changing my AA

I think it's reasonable. Your AA is going to depend quite a bit on your work situation. For example, you'll want more cash, and possibly more bonds. But you'll need to think about tax implications of selling, of course.
by ab80
Sat Nov 01, 2014 1:16 pm
Forum: Personal Investments
Topic: November 1 2014 I Bond Inflation Component
Replies: 28
Views: 6497

Re: November 1 2014 I Bond Inflation Component

I just googled and found some speculative article saying the composite rates would probably be around 0.8% or 0.9%. I hope it's at least greater than 1%. Not investing much, but am putting a little bit in each month as part of my EF. I doubt I'd do this for the next 6 months if I'm not making at lea...
by ab80
Sun Oct 12, 2014 10:27 am
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 25004

Re: Should I buy a condo on the GROUND FLOOR?

Another vote for preferring a ground floor unit (even for non-elderly). Think of the daily time savings from not having to go up the stairs or wait for the elevator. You are adding a lot of free minutes to your life. Even moreso if you happen to have a dog and are taking it outside every day. Sorry...
by ab80
Sun Oct 12, 2014 10:22 am
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 25004

Re: Should I buy a condo on the GROUND FLOOR?

But the previous tenant upstairs was more like a 100 lb. female so I never heard anything from her. I had a good laugh at that. At an apartment complex years ago, I was fortunate to have an unrented apartment above me for several months... until a 100lb. female moved up stairs. One could swear I ha...
by ab80
Fri Oct 10, 2014 1:20 pm
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 25004

Re: Should I buy a condo on the GROUND FLOOR?

I would avoid ground floor at all costs. My first apartment I lived in for three years. The first two years were great, then in year 3, some guy moved in above me and I could hear every single footstep (plus other things). Getting a decent night of sleep that whole year was a complete nightmare. He ...
by ab80
Sun Oct 05, 2014 10:26 am
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 2559

Re: How long before disputing a charge on my Visa?

Ged wrote:Charging a credit card before shipping is against both Visa and MC policies unless the customer explicitly agrees to it.
I don't think it's that hard to force the customer to agree to this.
by ab80
Sat Oct 04, 2014 6:58 am
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 14409

Re: Invest in Bowflex Max Trainer?

My planet fitness membership was $99 for 12 months and they have all the equipment you could ever need. Don't buy overpriced stuff based on a dream. PF is not a gym. I wouldn't be surprised if a particular location didn't have a power rack. You're also not allowed to deadlift. You are encouraged to...
by ab80
Fri Oct 03, 2014 5:53 am
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 4228

Re: manipulating Amazon reviews

Has anyone actually noticed reviews being removed? Most, if not all, of the reviews I read are on very common 4+ star items with hundreds of reviews or some CD with a few reviews that I'd probably buy with 0 reviews available. Most of the reviews look legit, and there are normally plenty of 1 or 2 s...
by ab80
Sun Sep 28, 2014 9:08 pm
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 7924

Re: Obese airline passenger

Don't know if there's much you can do. Try to fly at less popular times to get an open row? Drive? I've only gone one place by plane in the past couple years partly because of this. I remember one time a very obese woman sat next to me and asked the flight attendant for a seatbelt expander. I had ne...
by ab80
Fri Aug 22, 2014 5:22 pm
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 3833

Re: Why do we tip restaurant servers?

What about tipping at a takeout place, or when you stop in somewhere to get a coffee or a smoothie? Putting a tip line on the receipt is something I find pretty obnoxious. 2. To a degree, working primarily for TIPS is an incentive or motivator that rewards doing more work and higher quality work. Do...
by ab80
Fri Aug 22, 2014 4:39 pm
Forum: Personal Consumer Issues
Topic: Big iPhone Data Bills/Google Maps
Replies: 16
Views: 2303

Re: Big iPhone Data Bills/Google Maps

Just use TomTom or something similar and download the entire country's maps to your device using wifi, and you'll never need to use any data. Probably costs $40 or so.
by ab80
Thu Aug 07, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 3359

Re: Vanguard's Facebook presence

I honestly believe it's harder to steal money if you don't know where to look.
by ab80
Thu Aug 07, 2014 8:42 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 3359

Re: Vanguard's Facebook presence

Fair enough, but I'd be even less likely to wear a VG shirt in real life telling everyone where I (probably) keep my money.
by ab80
Thu Aug 07, 2014 6:57 am
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 3359

Re: Vanguard's Facebook presence

I wouldn't like investment firms on facebook and tell everyone where I keep my money. Liking VG on facebook might get me some links to a few interesting articles. But I could still check their page periodically if I want to read their articles. Liking my favorite bands on facebook keeps me in the lo...
by ab80
Sat Jul 26, 2014 11:06 am
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

Is there a place that charges a reasonable fixed fee for coin counters? I suppose I could just make sure to spend my quarters and dimes, and take the nickels and pennies to a coin counter for them to take a portion of. But I'm not going to take $100 worth of coins (or whatever I have) and have some...
by ab80
Sat Jul 26, 2014 10:03 am
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

Okay, thanks. Guess I'll stop venting, just close my account next week, and look for store credit at coin counters somewhere.
by ab80
Sat Jul 26, 2014 9:42 am
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

Is there a place that charges a reasonable fixed fee for coin counters? I suppose I could just make sure to spend my quarters and dimes, and take the nickels and pennies to a coin counter for them to take a portion of. But I'm not going to take $100 worth of coins (or whatever I have) and have someo...
by ab80
Sat Jul 26, 2014 9:03 am
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

They've always provided notice when they are going to change fees. The annoying part is that you have to pay attention to the notices. You're right. I just looked, and they mentioned that it would happen in my June 2013 statement. :| I remember when I signed up for the account two years ago, the gu...
by ab80
Fri Jul 25, 2014 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

Maybe I'll just go to the branch with a coin counter, then close my account and not worry about coin counting for a while; and just pay the small fee at UPS/USPS for notaries or cash deposits, and hopefully find a bank around that'll give me rolls of quarters even if I'm not a customer.
by ab80
Fri Jul 25, 2014 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

I've only used a notary once, and a coin counter once (but twice will come soon). I'm thinking about just using Fidelity CM for free checking. Plus they pay 0.07% > 0. I also used the PNC ATM last week right outside my local branch, and it wouldn't let me take out $400 from one of my ATM cards, so I...
by ab80
Fri Jul 25, 2014 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fido as your bank?
Replies: 11
Views: 2297

Re: Anyone use Fido as your bank?

If I go to a Fido branch, do I have free access to services like notaries, coin counters, or getting rolls of quarters? I have a CM account if that matters. I've been happy with my CM account so far (though haven't used it much), but never actually been to a branch. If so, I think I'd rather just us...
by ab80
Fri Jul 25, 2014 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

I only keep a very small amount of money there, and mostly have it so I have access to the services I mentioned above. I'd rather not leave $500 sitting there earning 0%. Plus it wouldn't surprise me if they started lifting the $500 to $1500, imposing other fees, etc. The one time I had a free check...
by ab80
Fri Jul 25, 2014 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

Re: PNC (service charge, free checking)

Yep, last month's statement was called "Free Checking" and this month, it's called "Standard Checking." Guess I'll be closing my account next week.

Edit: Also, excluding local B&M banks, only looking at banks with a branch nationwide since I move around a fair amount.
by ab80
Fri Jul 25, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: PNC (service charge, free checking)
Replies: 27
Views: 3320

PNC (service charge, free checking)

I signed up for PNC's free checking two years ago I think ("standard checking" I believe). I just noticed they charged me a $7 service fee. On their website, "standard checking" mentions the $7 fee now. Did they have any obligation to inform me about the account no longer being f...
by ab80
Tue Jul 08, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 3067

Re: Windows 7 free support will be ending in 2015

Windows 8 is okay, but I don't want to use it on my cheap laptop.
by ab80
Fri Jun 27, 2014 3:49 pm
Forum: Personal Investments
Topic: Should I sell individual stocks and bonds to buy index funds
Replies: 11
Views: 1915

Re: Should I sell individual stocks and bonds to buy index f

Then you can edit your post and change the name in the quotes :D
by ab80
Thu Jun 26, 2014 10:15 pm
Forum: Personal Consumer Issues
Topic: Storage facilities (ExtraSpace?)
Replies: 8
Views: 1493

Re: Storage facilities (ExtraSpace?)

Has anyone heard of a place called CubeSmart? I couldn't find any reviews of the local facility (on yelp, Google, etc., not the 5 star reviews they plaster all over their site). But there seem to be lots of reviews in areas like Boston and D.C. saying that the units get broken into, the stuff gets s...
by ab80
Sat Jun 21, 2014 12:00 pm
Forum: Personal Investments
Topic: Tax Exempt Bond Fund as Emergency Fund?
Replies: 8
Views: 1884

Re: Tax Exempt Bond Fund as Emergency Fund?

You should use safer stuff for EFs. But depending on the fund, there may not be much fluctuation with the NAV. For instance, in the limited term fund, there's only been about a 10.6% increase in the price since 1992, but over a 600% increase in value if reinvesting dividends. Baw: you don't mind the...
by ab80
Sat Jun 14, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 13064

Re: Geico? No, thank you...

I thought Geico's low prices were about severely underpaying their employees.
by ab80
Thu Jun 12, 2014 12:09 am
Forum: Personal Consumer Issues
Topic: TV - is wifi needed or desirable?
Replies: 25
Views: 3002

Re: TV - is wifi needed or desirable?

I don't see the purpose of wifi in a TV. I do have wifi in my blu-ray player, which is nice because I use it for Netflix and MLB.tv (and sometimes Youtube). It also has Amazon video, NHL Centerice, and a bunch of other junk. It even has a web browser, though I haven't tried it. I disagree with lapto...
by ab80
Tue Jun 10, 2014 5:39 pm
Forum: Personal Investments
Topic: Emergency Fund Alternative for Young Accumulator
Replies: 15
Views: 2006

Re: Emergency Fund Alternative for Young Accumulator

If you don't have much invested, you need an EF. If you have a lot invested, who cares about the return on such a small portion of your money anyway? I'd go with 6 months if you really hate 12. You can put it in I bonds instead of losing to inflation. Edit: A lot of people complain about the return ...
by ab80
Tue Jun 03, 2014 6:26 am
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 27384

Re: Favorite guitarist...

Markus Toivonen
Jari Mäenpää
Chris Rörland
Alexi Laiho
Teemu Mäntysaari
by ab80
Mon Jun 02, 2014 6:26 pm
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 6642

Re: Amazon prime - how to get the best out of it?

If you don't have prime, are there restrictions on what items are eligible for free shipping if spending >= $35? Two day shipping is certainly nice, but most of my shipments aren't very time-sensitive and I usually spend more than $35 anyway. ... they've almost completely stopped using UPS. Now it's...
by ab80
Mon Jun 02, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 6642

Re: Amazon prime - how to get the best out of it?

I think I have a couple times.
by ab80
Mon Jun 02, 2014 11:06 am
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 6642

Re: Amazon prime - how to get the best out of it?

Probably not going to resubscribe to prime. I don't care about the price increase, but they've almost completely stopped using UPS. Now it's USPS and some other cheap services like Lasership. They almost never deliver within 2 business days, and they sometimes deliver to the wrong mailbox. There are...
by ab80
Fri May 30, 2014 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 12124

Re: Fidelity vs. Vanguard

Perhaps a little OT, but does Fidelity charge a fee to close a taxable brokerage or cash management account? I've heard many times about charging $50 to close an IRA, but never saw anything about taxable accounts.
by ab80
Fri May 30, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: Storage facilities (ExtraSpace?)
Replies: 8
Views: 1493

Re: Storage facilities (ExtraSpace?)

I don't think inflation quite keeps up with real-estate inflation. Apartments tend to have substantial price increases as well.
by ab80
Fri May 30, 2014 1:53 am
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 3676

Re: Alarm Clock

daytona084 wrote:Do you have a smartphone? Many (most?) clock apps allow you to set the alarm sound to any mp3 you want.
My phone can do it too, and it's a piece of junk. Or you can get a plugin for Winamp and use your laptop.
by ab80
Thu May 29, 2014 10:20 pm
Forum: Personal Consumer Issues
Topic: Storage facilities (ExtraSpace?)
Replies: 8
Views: 1493

Re: Storage facilities (ExtraSpace?)

Thanks. I'll check out the local ExtraSpace and Public Storage facilities. Any experience with UHaul on transporting all the stuff there? It looks like I could get a large enough truck for 6 hours and a couple hours of help from 2 moving helpers for around $200. Much cheaper than any "moving&qu...
by ab80
Tue May 20, 2014 2:20 pm
Forum: Personal Consumer Issues
Topic: Storage facilities (ExtraSpace?)
Replies: 8
Views: 1493

Storage facilities (ExtraSpace?)

I'm looking for a place to store lots of stuff pretty long-term (maybe 6 months, maybe a year, maybe longer). This will be boxes of stuff, as well as furniture. The first result that came up for me on Google was ExtraSpace. Anyone have any experience with them? Is it a clean facility, how secure is ...
by ab80
Wed May 14, 2014 11:57 am
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 15110

Re: Apple Stock - Seems great, right?

Well there's a 7:1 stock split coming in June, and if they got 60x higher, I'm sure they'd split again.
by ab80
Wed May 14, 2014 8:45 am
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 15110

Re: Apple Stock - Seems great, right?

I got in around $420. Just waiting for my capital gains to become long term next month to sell and move to index funds. Not really interested in buying individual stocks anymore. Hopefully the stock split pushes up the price a little more.
by ab80
Wed May 07, 2014 5:39 pm
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4986

Re: Put down that smart phone; Log off!!

I agree with the video (to some extent... not sure about the whole romance angle, but whatever). I'm in my 20s, so I'm a bit of an outlier in my generation, but the iPhone is the single most depressing thing I've ever seen. I used to teach at a couple of different colleges, and it's hard enough to m...
by ab80
Tue May 06, 2014 5:55 pm
Forum: Personal Consumer Issues
Topic: Region 2 DVD
Replies: 21
Views: 2044

Re: Region 2 DVD

You can watch it on your computer (or even stream it to your TV using an HDMI cable, but that's a pain as a long-term solution). I have a Blu-ray player that plays DVDs region-free. It's quite expensive, but it also has wifi and a bunch of convenient apps like Netflix, Amazon video, MLB.tv, NHL, etc.
by ab80
Thu May 01, 2014 8:38 am
Forum: Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 6503

Re: Are I Bonds a part of your portfolio?

(Slightly OT) aren't the new rates supposed to be announced today?
by ab80
Wed Apr 30, 2014 6:54 pm
Forum: Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 6503

Re: Are I Bonds a part of your portfolio?

"Do you own I Bonds?" and "Are I Bonds a part of your portfolio?" are two different questions. Many people own I Bonds as part of their emergency fund. If you can get past the first year, it's better than an online savings account. Maybe not as good as some short term bond funds ...
by ab80
Sun Mar 09, 2014 4:48 pm
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 54792

Re: Tipping for a haircut at Great Clips

What about other people who work hard for an honest living and make little money, like cashiers or (some) teachers? Should you tip them?