Search found 1130 matches

by miles monroe
Wed Nov 01, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1298

Re: Robot vacuum for pet hair and hardwood floor

As I wait for Amazon to deliver, I will search for threads on the sunk cost fallacy for me. For you, a link to iRobot's parts page. You'll need it soon. :happy don't forget to check amazon for parts. on the irobot website an official replacement battery is $80. on amazon the same thing is $40. and ...
by miles monroe
Tue Oct 31, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4560

Re: Do you subscribe to digital newspapers?

i pay for a digital subscription.

i prefer to read the real newspaper -- but i travel frequently -- and i don't want newspapers sitting in the driveway telling the crooks i'm not home. they're not very good at vacation stops and starts -- and many of my trips are spur of the moment.
by miles monroe
Fri Oct 27, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 2910

Re: dishwasher recommendations

wow -- sounds like something has to be wrong.

every dishwasher i've owned has cleaned like it should. i won't get a maytag again, though, it had a design flaw that required that the door latch be replaced ever 12-18 months. the repair guy had seen this issue at other homes.
by miles monroe
Wed Oct 18, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2359

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

Jack FFR1846 wrote:
Wed Oct 18, 2017 1:55 pm

Then an annoying Edward Jones commercial would start.
edward jones is a nasty, nasty, company -- but they have fantastic commercials.
by miles monroe
Sun Oct 15, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4469

Re: Amazon Prime - Decline in Delivery Service?

i haven't noticed any decline in service.

i ordered the chromebook i'm typing this on at 10:00 am -- and it was delivered at 6:00 pm the same day. that's pretty awesome.
by miles monroe
Sun Oct 15, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7267

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

2011 honda element.

i'd buy it again -- its perfect for my lifestyle -- but they don't make it anymore.
by miles monroe
Sat Oct 14, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10716

Re: anyone else not liking the new cars?

i look at gas mileage, reliabilty, and interior space utility (can i sleep in it?). i don't care what it looks like; inside or out. my current car -- which is perfect for my lifestyle -- is a honda element. makes me sick they stopped making em. and my sons tell me everytime they go somewhere with me...
by miles monroe
Sun Oct 01, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1868

Re: a $2000 pizza

when i saw the thread title i knew that truffles and gold was coming -- seen too many cooking shows.

i don't care how much $ ya got -- but 2K for a pizza is wasteful -- and i don't waste money. that money would go a long way at a shelter that feeds the hungrey.
by miles monroe
Fri Sep 29, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 37
Views: 19374

Re: Using full name for email - bad or good idea?

a disadvantage i've found is that other people with the same name as mine use "my" gmail account as their junk email account. i've identified a couple of them on linked-in.

i'm tempted -- based on something i read in another thread -- to start subscribing them to stuff.
by miles monroe
Fri Sep 22, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 1451

Re: 1099 employees how do you mentally handle taking time off?

after having several jobs where i had to work incredible overtime -- i became a 1099 employee just so i could limit my work week to 40 hours -- so i had no trouble "leaving money on the table". my regular clients had no issues with me working those 40 hours over 4 days -- 3 day weekends whenever i w...
by miles monroe
Fri Sep 22, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6573

Re: Which is better a Cryptocurrency or Gold?

alfaspider wrote:
Fri Sep 22, 2017 7:24 am
You are asking me if I want to invest in a barbarous relic or a fad. Can I choose neither?
this is the correct answer.
by miles monroe
Tue Sep 19, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2505

Re: Convertible in Florida or not...

i've owned convertibles in miami and atlanta. happiest i've ever been car wise was when i owned a converible as the daily driver and a truck for weekend play. it'll cost about $500 a week to rent a mustang convertible in atlanta. if you're on the fence about this then go for a weeks rental. don't th...
by miles monroe
Thu Sep 14, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 57
Views: 5885

Re: Turned down for umbrella insurance

i had a large claim paid under my umbrella; they put me in "time-out" for 3 years before i could get it again.
by miles monroe
Wed Sep 13, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Someone set up PayPal account using my email...
Replies: 35
Views: 2846

Re: Someone set up PayPal account using my email...

2 different guys with the same name as mine has done this to me. some of the emails i get are obviously from people that they gave a fake email to so they wouldn't be bothered. but a couple weeks ago one of em ordered a pair of jeans from levis -- that makes no sense for giving out a fake email. i a...
by miles monroe
Wed Sep 13, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3281

Re: Which Bond Fund Will Perform Best With Rising Rates?

i think the answer is no one knows -- but if i was a betting man -- i'd put my chips on tips.
by miles monroe
Wed Sep 13, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 2113

Re: Potential downsides of placing a credit freeze?

The only real problem I have heard about is that it takes a lot of paperwork and some time to replace a PIN if you lose your PIN, and that makes sense. So don't lose it :) Apparently Social Security uses one of the credit bureaus to verify your identity for online signup so you might have to go int...
by miles monroe
Tue Sep 12, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9211

Re: When calculating net worth, how do you value your house?

gotta live somewhere, so house isn't included.

but the textbook answer would be market value minus estimated selling costs.
by miles monroe
Tue Sep 12, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19284

Re: Is it really Worth it to brown bag your lunch at work?

fwiw, i recommended to my sons that they take their lunch 4 days a week to save money, and eat out with co-workers one day a week to facilitate relationships. obviously they can socialize in the cafeteria the days they bring their lunch.
by miles monroe
Tue Sep 12, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3842

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Not me. I've given up on trying to file electronically - I file every annual tax return and quarterly estimate by snail mail - I have no choice. I've tried filing electronically and IRS rejects every attempt: I've used AGI, their own provided pin codes. I've been on the phone with them - sat on lon...
by miles monroe
Tue Sep 12, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3842

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

I tried to get a PIN two years ago (FL resident) but was in ble to get it and was told by my CPA that it was most likely because I had frozen my credit. I did not want to unfreeze my credit for the Irs so did not end up getting the pin. Wondering if anyone has been able to get a PIN with their cred...
by miles monroe
Mon Sep 11, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3788

Re: Should I do 20 or 25 Year Term Life Insurance?

if you were to ask clark howard he'd say 25 years -- to get the kids thru college.

and i agree with clark.
by miles monroe
Mon Sep 11, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25389

Re: Name something you had to have and now you regret purchasing it?

lost 30 pounds

bought new clothes to fit

you can guess the rest

(lost 20 pounds last year and have kept it off. but this time i kept all the fat clothes -- just in case.)
by miles monroe
Mon Sep 11, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3842

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

my college age son had a fraudulent return filed in his name. he had about a $1,000 refund coming which was big money to him. he had to wait about 6 months -- much better than some of horror stories we heard. he now has the pin as a result of this situation. the strategy mentioned above to attempt t...
by miles monroe
Mon Sep 11, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3842

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

if you live in fl, ga, or dc you can apply to the irs for a pin. hopefully this program will be expanded to all states.
by miles monroe
Sun Sep 10, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 3016

Re: Who actually buys lottery scratch offs?

i don't buy scratch offs. i spend $2 a week on my state's lotto ($1 twice a week). $2 a week is peanuts, and to have the opportunity to win life changing money for me, my kids, and so on is worth the contribution for college scholarships. i don't do scratch offs as they don't have life changing money.
by miles monroe
Sun Sep 10, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about accepting new job that pays a bit less
Replies: 27
Views: 2327

Re: Thinking about accepting new job that pays a bit less

health and family is more important than money; the answer to the question imo is obvious.
by miles monroe
Sun Sep 10, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16351

Re: Bitcoin in 3-fund indexed portfolio?

"it's a payment system, not an investment".

-clark howard
by miles monroe
Sun Sep 10, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3711

Re: At what point would you considering Umbrella Insurance

Just curious, has anyone who has an umbrella policy ever actually had damages paid out from the umbrella policy? That is, the required first line of defense policy (auto, home, etc) paid limits and the additional money provided by the umbrella policy was reached and dispensed? 800k plus attorney.
by miles monroe
Sat Sep 09, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3711

Re: At what point would you considering Umbrella Insurance

no one thinks they will ever be the one at fault in auto accident...but stuff happens. carry 250k (minimum in my state) liability on your cars and your umbrella sits on top of that.
by miles monroe
Sat Sep 09, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11853

Re: Anyone else freeze their credit score?

i froze mine a couple years ago and have only needed to thaw it once.

of course, the true boglehead strategy would be to wait until they are a victim of identity theft. then you can freeze it with no charge. :)
by miles monroe
Thu Sep 07, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 5207

Re: Do I need an Amazon Echo??.....

Everything it does can be done with other means. Add things to your calendar? Write it on the calendar hanging on your wall. Turn on the lights? Flip the light switch. And so on. well, i guess that will work if you take the calendar off the wall and carry it around with you. or you can let alexa pu...
by miles monroe
Thu Sep 07, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 5207

Re: Do I need an Amazon Echo??.....

i bought mine not really knowing what i would use it for...and now that i've had it for over a year...i wouldn't want to live without it!!!
by miles monroe
Mon Aug 28, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 1716

Re: Laptop: 2-in-1 vs. Detachable?

consumer reports does not recommend the microsoft surface becasue of poor reliabilty. Consumer Reports is removing its “recommended” designation from four Microsoft laptops and cannot recommend any other Microsoft laptops or tablets because of poor predicted reliability in comparison with most other...
by miles monroe
Fri Aug 25, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14616

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

Isn't 50/50 already pretty aggressive for a retiree? Vanguard's Target Retirement funds glide to 50/50 at their target date and then glide further to 30/70 over the following 7 years. I use that as my benchmark for a reasonable asset allocation. Personally, I plan to glide to 30/70 a year or so bef...
by miles monroe
Thu Aug 24, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14616

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

i'm no fan of bob brinker, but on his now shuttered discussion forum he had no problems with retirees going 50% vanguard total stock market index and 50% vanguard gnma.
by miles monroe
Thu Aug 24, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14616

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

very interesting. thanks to DVMResident for starting the thread and for linking to the reddit discussion and also Diogenes for linking to another excellent article.
by miles monroe
Thu Aug 24, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6435

I've fallen and I can't get up -- recommendations?

i've convinced my dad he needs one of those "i've fallen and i can't get up" devices. he wants one that works off of GPS -- and found one at walmart -- but is balking at the $40 a month monitoring fee (he can afford it but that's another issue). anybody got a recommendation? hopefully one that is a ...
by miles monroe
Wed Aug 23, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7546

Re: Lowes vs Home Depot

six of one, half dozen of the other. people are gonna like the store they go to and are familiar with it's layout.

i usually go to HD but only because it's closer. but for appliances and garden plants -- i shop em both.
by miles monroe
Mon Aug 21, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3071

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

for those who said the price of seeing a movie at the theater is too expensive...

moviepass lowered their price to $10 a month. you can see 1 movie every day if you want to.
by miles monroe
Sat Aug 19, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 8091

Re: IBonds: My worst bond investment over the last 5 years

the only complaint i have about i-bonds is that i didn't buy more. guaranteed rate over 3% (3.6% is my best) plus the inflation kicker. thanks, mel!
by miles monroe
Sat Aug 12, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16033

Re: How far would you travel to see The Eclipse?

i live an hour from 100%, but i'm not going to drive there. to be honest -- if i'm in the house when the eclipse starts i won't even go outside to look at it.
by miles monroe
Thu Jul 27, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Risks in adding SIL to car insurance policy
Replies: 17
Views: 1388

Re: Risks in adding SIL to car insurance policy

state laws vary -- as do different companies policies -- so this is a question for your agent.
by miles monroe
Thu Jul 27, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3409

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

Regarding hitch racks... Hanging or Platform which do you prefer? And which one do you suggest, looking on the web many options just do not know which way to go I am thinking Platform type it looks to provide better support. I have a hanging type now ( portable trunk type) and it is a pain to get t...
by miles monroe
Wed Jul 26, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3409

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

i'm just a rec rider also, and get all my bikes (road, mountain, adult children) from REI when they are on sale. usually end up with a $800 bike for $500. i get their house brand, the novarro. not a trek, but i don't need that much bike. i used to canoe a lot, and obviously had a roof rack. every ne...
by miles monroe
Sun Jul 23, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 6107

Re: Why does State Farm have poor reviews?

i've had state farm for 30 years and have been very pleased with them. they've paid claims quickly and fairly, and the agent i deal with provides great customer service. i know i could shop and save a few dollars -- but i'm willing to pay a bit more for the service i receive. however, my parents -- ...
by miles monroe
Sun Jul 23, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10984

Re: Is Amazon Prime worth it?

i think it's funny how people who don't have it are certain that it's not worth it.
by miles monroe
Sat Jul 22, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3881

Re: Healthiest Beer for the Buck

jharkin wrote:Funny, when I'm drinking beer I'm not thinking about being healthy or saving calories. If I wanted to be that healthy I would give up beer :twisted: Light beer should be a crime imnho. :sharebeer
this.

i drink beer but i don't try to convince myself that there is anything healthy about it.
by miles monroe
Mon Jul 10, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6486

Re: Do not buy new cellphones on ebay

clark howard has a rule about ebay -- he does not spend more than he is willing to lose if the deal falls apart for whatever reason.
by miles monroe
Thu Jun 22, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard restricts my account due to mail?
Replies: 41
Views: 3435

Re: Vanguard restricts my account due to mail?

this happened to me at vanguard a few years ago and a simple phone call straightened eveything out.