Search found 400 matches

by tj218
Tue May 22, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 29
Views: 1654

Re: Rental cars in Europe

We need two cars, because we have some days planned where some of the family goes to a destination and the other half elected to do something else.
by tj218
Sun May 20, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 29
Views: 1654

Re: Rental cars in Europe

Thanks for all the advice. Our previous poor experience was with Hertz. I can drive manual so that wasn't an issue (what I originally booked) but they basically told us it was either the van or a Range Rover for an extra $60/day. That and them almost refusing to let us leave the lot without buying t...
by tj218
Sun May 20, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 29
Views: 1654

Rental cars in Europe

Our family has planned a trip to Europe this summer, with children and grandparents, 8 people going. We will need to rent two cars for a variety of reasons. I obviously know how to book a rental car, but I'm looking for a strategy to deal with the rental car companies after the last trip I took with...
by tj218
Sun Mar 25, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Low cost repair of CD players in older Camrys?
Replies: 27
Views: 1607

Re: Low cost repair of CD players in older Camrys?

Get a bluetooth adapter on Amazon, they plug into the cigarette lighter. They are around $15 and then just use your phone.
by tj218
Sun Mar 25, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Next season's ski pass - buy now or wait? (Ski Resorts in New England)
Replies: 10
Views: 861

Re: Next season's ski pass - buy now or wait? (Ski Resorts in New England)

FYI: Most NH mountains have free season passes or close to free for kids 5 and under. Personally a long drive would get old every weekend. Especially if you are in the car a lot during the week. Season passes only make sense if you are going to enough to break even or come out ahead roughly 8 +/- ti...
by tj218
Sun Mar 18, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Page Plus Cell Phone Question
Replies: 2
Views: 433

Re: Page Plus Cell Phone Question

Yes, anything that is unlocked and is able to work with Verizon (CDMA) will work.
by tj218
Wed Mar 14, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 144840

Re: Boglehead Beer

The new Sam Adams '76 beer is surprisingly good. I hadn't bought a Sam Adams in a long-time, but on a whim I gave this a chance. It's hopped similar to a session IPA (more citrus than bitter) and has a better mouth feel and is less watery than most session IPAs. Lower alcohol than an IPA and easy to...
by tj218
Wed Feb 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3027
Views: 932340

Re: What Book Are You Currently Reading? Part VI

Just finished Gone Girl. Got caught up in the hype and read it on a plane trip. Not bad, but predictable. I may have to catch up on some more Zombie/Apocalypse fiction. Anyone have an recommendations here? I've read World War Z, Autumn series, Day by Day series, Apocalypse Z series (first book was ...
by tj218
Fri Jan 19, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 96
Views: 12391

Re: Xfinity Mobile

Plan to make the jump as soon as they allow BYOD for Android phones.
by tj218
Sat Dec 23, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4361

Re: Different ways to order coffee

I enjoy these coffee threads. Personally, I do not like consuming hot liquids. It's a preference as opposed to a sensitivity issue, but it closes off the world of soups and hot coffee varieties. I used to love iced coffee but thanks to one of these threads last year switched to cold brew which I fin...
by tj218
Fri Dec 01, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire and rental cars
Replies: 1
Views: 417

Chase Sapphire and rental cars

I'm trying to use some of my points to rent a car, but I need to drop the rental car at a different location. This doesn't seem to be an option on their website unless if I am missing something. Has anyone had any luck booking with a different drop location through Chase?
by tj218
Fri Dec 01, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2647

Re: Considering Building Gaming PC - Good Builds/Price Points?

Does the Ryzen have similar heat issues that plagued the FX line?
by tj218
Fri Dec 01, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2647

Re: Considering Building Gaming PC - Good Builds/Price Points?

I built a lot of systems in the 90s and 00's on AMD processors. I built my last rig (light gamer) with an i3-4130 (2014 build) for non high-end gaming. I can't speak for the Ryzen. The Intel blew away the FX series of AMD chips even with more cores and higher clock speed. It's converted me to Intel ...
by tj218
Tue Nov 28, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 2647

Re: Considering Building Gaming PC - Good Builds/Price Points?

I don't think it's worth it too try to build to "future proof", you will fail. You pay an extra premium for top end gear that in 3-4 years will be running newer stuff at low/mid-range settings. Get something that plays the stuff you want now at the settings you want. Then in two-three years just rin...
by tj218
Wed Nov 08, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 4488

Re: Coffee

Just a note/question for others, but I have converted to cold brew coffee. I really don't notice a difference between brand or type of beans from generic grocery store brand to a more premium brand. The only thing that seems to matter is the type of roast (light, medium, or dark). Am I coffee dumb o...
by tj218
Sat Nov 04, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 1140

Re: Anyone else have problems with Fitbit products?

My wife and daughter have been through 4 different Charge HRs. Replaced under warranty luckily. But the product is pure crap. I've only used the Google Fit and find Google Fit on my cell phone is more accurate in steps and doesn't have any issues compared to the FitBit. As soon as we aren't getting ...
by tj218
Fri Oct 27, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1880

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

Did this same trip in 2016, rented a car. We are going back again this summer with our kids. We didn't spend anytime in Munich so this time we are spending more time in Munich. But Salzburg is a great, great city. Small enough to manage on feet and plenty of things to see. Some notes: Chiemsee about...
by tj218
Sat Oct 21, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2471

Re: Best no sweat athletic/work socks

Smartwool--not cheap, but they don't hardly stink and easy to wash out in the sink. Price is motivation to keep your toenails trimmed and filed! My feet sweat like crazy in Smartwool. My running socks are pretty good and comfortable, they are called Feetures. They are a bit expensive but between th...
by tj218
Tue Oct 10, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 6371

Re: 2018 Honda Accord

The Accord had the most uncomfortable seats I have been in for quite some time. I have seen a lot of about the uncomfortable seats in the Accords. Is it hard or what? The headrest is angled very sharply and it is not adjustable. I took mine off and bent the metal posts, problem solved. Some also fl...
by tj218
Sun Sep 24, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4919

Re: Thoughts on Barefoot/Minimalist Running

Looked into it myself a few years ago, the arguments seem to make sense. But the 0 drop shoes really felt funny and I couldn't get my stride right and I have a pretty neutral stride. I really didn't want to re-learn how to run and then ramp up again. I found the Mizuno Wave Riders (12mm drop) and th...
by tj218
Wed Sep 20, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Help with Airline Transfer in Paris (CDG)
Replies: 13
Views: 1563

Re: Help with Airline Transfer in Paris (CDG)

My family and I are traveling to Warsaw to visit family in 2 weeks but we stopping over in Reykjavik for a few days first. When we arrive in CDG via Iceland Air from Reykjavik we need to transfer to Lufthansa to get to Warsaw. I understand it is the same Terminal (Terminal 1). Good so far. Does any...
by tj218
Fri Sep 08, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59678

Re: Equifax customer information leak

For someone too lazy to look can we play out the doomsday scenario Someone calls Vanguard uses the information from this hack: SS #, dob, etc. Gets access to my IRA. Liquidates my mutual fund balances to an offshore bank account and disappears. ---- Do I have any chance of getting that money back? W...
by tj218
Thu Sep 07, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59678

Re: Equifax customer information leak

...slightly weird, in that the way they tell you whether your info was involved or not is by telling you when you'd be allowed to enroll (for reasons I'm not clear on it's staggered by date). Got a future date with the instruction to return ON or After that date to the same web address. A commenter...
by tj218
Thu Sep 07, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59678

Re: Equifax customer information leak

I called their phone number 3 times now. They say wait for next available agent but after 5 minutes they say all agents are busy, please call back later, and hang up. Happens in 5 minutes each time. Nice customer service. Did you seriously think you were going to be able to get through to them, and...
by tj218
Thu Sep 07, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59678

Re: Equifax customer information leak

I called their phone number 3 times now. They say wait for next available agent but after 5 minutes they say all agents are busy, please call back later, and hang up. Happens in 5 minutes each time. Nice customer service. Did you seriously think you were going to be able to get through to them, and...
by tj218
Thu Sep 07, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 59678

Re: Equifax customer information leak

So great, they will provide this monitoring for 1 year. I'm sure the nefarious group(s) that has all our data will only use that data for the next 365 days and then delete it. :annoyed


And the management of Equifax unloaded stock before the press release. Hope they enjoy prison.
by tj218
Sat Sep 02, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Podcast [Looking for suggestions]
Replies: 29
Views: 2954

Re: Podcast

Dan Carlin either Common Sense (current affairs) or Hardcore History are great ones. A Cold War Podcast (Cam & Ray) very detailed look at the Cold War but there is quite a bit of off-color/juvenile humor, it is definitely a different look at the Cold War. They are 50+ hour long episodes in and still...
by tj218
Sun Aug 27, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 8814

Re: School Redistricting - What should we do?

The discussion in this thread reminds me a lot of the arguments within Charles Murray's book Coming Apart. It's a great look what happens to a society when people leave towns, generally for school reasons and how the socio-economic divide between have and have not becomes even worse. It's a really i...
by tj218
Sat Aug 19, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 40
Views: 6154

Re: Real estate vs stock market returns: some unbiased numbers

Hello bogleheads I constantly keep reading on this forum that in the long term the stock market beats real estate ownership. I do not own any real estate but am thinking into buying some rental property in the future (a minor portion of my net worth, say 20%). On the Internet (and in real life) the...
by tj218
Fri Aug 18, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 8774

Re: DUI lawyer - need advice

No personal experience with this, and expect a bunch of attacks here for engaging in a behavior that endangers others. Depending on the circumstances and jurisdiction I've know of others (friend of a friend's spouse) who were able to plea to a lesser offense. Lawyer up. It will cost you. But it will...
by tj218
Fri Aug 18, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 11823

Re: Non-fiction bucket list

Any book by Robert Massie is enjoyable and a great page-turning read, he is focused mostly on Russian history but did a good one on the Naval Arms race and background to WWI as well. I would read that before Tuchman's Guns of August as you need to have some background to fully grasp her work. Sticki...
by tj218
Tue Aug 15, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 7969

Re: please help...am I overextended - first home

I put an offer on a house and I am in a 10 day period where I am still allowed to back out of contract.... My lender says that my ratios are good but I need your input. I will be using an FHA loan Gross Pay - $6,000 Net - $3,849.63 12% going into 401K $106 to ESPP Debt $452.98 for a 401K loan House...
by tj218
Mon Aug 14, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 104
Views: 12547

Re: 85/15 too aggressive at age 35?

70/30 at age 35. I was 95/5 until last summer. Sure I've lost a little gains in the last year's market but everything I looked at seemed to indicate 70/30 - 60/40 was a very stable historically best results long-term through bear and bull markets. I went 70/30 as a way to slightly be more aggressive...
by tj218
Sun Aug 13, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 14410

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

Does Mr. Bogle view Vanguard's current Target Retirement funds with 40% international to be in investors best interests or is it more for marketing and competition purposes? Follow-up: Are the glide paths on these funds too risky for what they should be? If he were in charge of these funds what woul...
by tj218
Thu Aug 10, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 3383

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

One other thought and it is blasphemy. But if you are only going to be playing action based AAA games, why not just get a console? You could get an Xbox One S for $240 with games. That's basically an entire system able to run current AAA games for the price of a PC graphics card. If you really like ...
by tj218
Wed Aug 09, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 3383

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Only thing I would add is unless you plan on using a controller, going KB + Mouse is annoying on most laptops. Yes you could always get a Bluetooth keyboard but then your laptop keyboard is still in your line of sight. If you do go the desktop route, build your own and Use pcpartpicker.com to compar...
by tj218
Mon Aug 07, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 2315

Re: Need A New Verizon MVNO

In my limited observation Tracfone seems to have re-emerged as the leader for budget Verizon MVNO. The $15/mo plan includes 200 v/ 500txt/ 500MB . Occasionally I have to top off on voice minutes on that plan. The $20/mo plan is 300v/ 1000txt / 1 GB of data. So for $35/mo both of you can have your ne...
by tj218
Tue Jul 25, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 101
Views: 13154

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

How tall is OP? I am 6'3'' and average weight and find the seats in my 2016 Accord to be very comfortable. My wife 5'2'' on the other hand thinks they are uncomfortable. If you do decide to get a new car take it for a longer test drive to see how comfortable the seats are. My daily commute is 45mins...
by tj218
Tue Jul 25, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3733

Re: College student daughter got her car totaled. Advice?

It is a negotiation, but many take the first offer because they don't know that. 1. They will setup a time for you to bring it for an estimate (you may have done that). 2. One of their appraisers will look at it. 3. They will call you with an amount. Here is where you must be ready to negotiate. How...
by tj218
Tue Jul 25, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2125

Re: Potential Move to the Upper Valley, NH

Tar Heel Definitely do the math between VT and NH. My math tells me Norwich only compares positively to Hanover. Other surrounding towns (NH & VT) have better cost ratios. Definitely look at school ratings closely though or else you could end up with private school in your future ($$$). Also think ...
by tj218
Mon Jul 24, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2125

Re: Potential Move to the Upper Valley, NH

I would also note that if you are going to be working in the Hanover area and living closer towards Concord that I-89 between New London and Lebanon gets treacherous during the winter. This is despite road crews treating the roads, the changes in elevation on that stretch creates black ice and acci...
by tj218
Sun Jul 23, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2125

Re: Potential Move to the Upper Valley, NH

I would also note that if you are going to be working in the Hanover area and living closer towards Concord that I-89 between New London and Lebanon gets treacherous during the winter. This is despite road crews treating the roads, the changes in elevation on that stretch creates black ice and acci...
by tj218
Sun Jul 23, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2125

Re: Potential Move to the Upper Valley, NH

I would also note that if you are going to be working in the Hanover area and living closer towards Concord that I-89 between New London and Lebanon gets treacherous during the winter. This is despite road crews treating the roads, the changes in elevation on that stretch creates black ice and accid...
by tj218
Sun Jul 23, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Potential Move to the Upper Valley, NH
Replies: 24
Views: 2125

Re: Potential Move to the Upper Valley, NH

Tons of outdoor stuff: Hiking, Skiing, water sports. Hanover has quite a bit of cultural stuff especially during the school year. New London has a pretty good theater scene. For school systems the only two in the area that are public I would consider: Hanover a great school, has a very rich entitled...
by tj218
Thu Jul 20, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 8826

Re: Would you let your teenager spend all his savings on a gaming computer?

I don't think the stigma against video games is entirely unwarranted. In extreme cases, people (teenagers and adults) got addicted to video games to the point that video games literally were taking over their lives. I don't think I ever heard something comparable happening to audiophiles. Yeah nobo...
by tj218
Thu Jul 20, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 8826

Re: Would you let your teenager spend all his savings on a gaming computer?

As long as there were no other tangible (non college) expenses coming up (car bill/ins, etc.) then heck yes let him. But make him build his own computer too to get some skills. I spent way too much money on computer gaming at that age, and it taught me the time value of money and budgeting. If I wan...
by tj218
Wed Jul 19, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 18469

Re: Capital One $400 bonus for new checking account

Still waiting for my bonus, did two transfers from my brick and mortar bank and my Capital One savings account, the last transaction cleared on 6/30.
by tj218
Wed Jul 19, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 2212

Re: A week in Iceland

We only did the Icelandair stopover for a little less than 24 hours and only did sites on the Reykjanes peninsula (Blue Lagoon, Bridge Between the Continents, etc.) . We figured why not. Ditto everyone else on the prices there. I'm happy we did it, as it was really an out of this world place. The te...
by tj218
Sun Jul 16, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 3460

Re: Anyone have a second home in The NC mountains?

Wow that area looks great. Never realized western NC was that nice (climate wise). The Asheville area seems expensive though.
by tj218
Thu Jun 29, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 33064

Re: Capital One 360 $200 bonus

Opened up an account does the old ING savings account (now Capital One) count as a DD? The doctorsofcredit link referenced a post on Fatwallet from 2009 as verification.