Search found 4633 matches

by DaftInvestor
Fri Aug 09, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3121

Re: Have you skipped a flight segment to save on airfare?

If what you are referring to is to fly somewhere else with your final stop as a "hop" because its cheaper - you can only do this for one-way flights or for the second-half of your round-trip - otherwise they will cancel your whole itinerary when you don't show up. Of course you must have carry-on an...
by DaftInvestor
Fri Aug 09, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: What to do with expired passports?
Replies: 22
Views: 2602

Re: What to do with expired passports?

Even if I didn't travel internationally - I like to have an updated one in my laptop-bag for domestic-travel in case I lose my wallet. As far as what to do with the old one - I'd just stick it in a drawer somewhere in case you find you need it for something - it doesn't take up much space. Even expi...
by DaftInvestor
Thu Aug 08, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2638

Re: Do you pay for kids college if a non-STEM major?

RollTide31457 wrote:
Thu Aug 08, 2019 11:09 am
We decided not to. We offered to pay for vocational school instead.
Telling us your rationale may help us make sense of the decision.
by DaftInvestor
Thu Aug 08, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Securing a smartphone for a child
Replies: 16
Views: 708

Re: Securing a smartphone for a child

1) Keeping the phone up to date with latest software 2) Only allowing calls/txts from Contacts 3) Creating a secure, randomized password for the "store" to download/install games 4) Setup restrictions on phone 5) Use a parent monitoring app (any suggestions?) 6) Thoroughly combing through any app t...
by DaftInvestor
Thu Aug 08, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14894

Re: Why won’t anyone hire me?

Wow, I woke up this morning to see all the replies and I'm humbled. I read every single one and everyone offered such great advice. This is why I love this board. :wink: To answer a couple questions, my skills are I type 80 wpm (I learned from a typewriter back in high school). I have intermediate ...
by DaftInvestor
Thu Aug 08, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2638

Re: Do you pay for kids college if a non-STEM major?

dknightd wrote:
Thu Aug 08, 2019 1:11 pm
There is more to life than money!
But even if money was everything and the criteria you want to use - the STEM-restriction makes no sense.
by DaftInvestor
Thu Aug 08, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2638

Re: Do you pay for kids college if a non-STEM major?

BTW - only 4 out of 10 of the top-10 paid out-of-college majors are STEM:

https://www.eab.com/daily-briefing/2017 ... t-salaries

Is this thread trolling?
by DaftInvestor
Thu Aug 08, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2638

Re: Do you pay for kids college if a non-STEM major?

Of course I did. Why would I force my kids into careers they may not want or may not be suitable for?
STEM is an odd criteria. I guess you don't like lawyers, highly-paid CEOs, etc. (you would prefer your child to be an underpaid Math Teacher, or a plumber, rather than a lawyer/etc, strange).
by DaftInvestor
Thu Aug 08, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 17
Views: 1604

Re: Amazon delivery

Received 1-day: they likely have the item in the distribution center close to you - they simply throw it in a local truck and drive it over.
Multiple Days: The item is far far away.

Any more questions? :)
by DaftInvestor
Thu Aug 08, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 2719

Re: which stud finder?

I've heard that Tinder is the stud-finder of choice.
by DaftInvestor
Thu Aug 08, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: Bogleheads have higher IQs!
Replies: 21
Views: 1366

Re: Bogleheads have higher IQs!

You need a high EQ to really be successful. A high IQ is just the icing on the cake. The good news is that you can work on raising your EQ. Depends on how you define "really be successful". I've done very well for myself simply because of my intelligence, without caring or working much on my EQ ove...
by DaftInvestor
Thu Aug 08, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: Bogleheads have higher IQs!
Replies: 21
Views: 1366

Re: Bogleheads have higher IQs!

You need a high EQ to really be successful. A high IQ is just the icing on the cake. The good news is that you can work on raising your EQ. Depends on how you define "really be successful". I've done very well for myself simply because of my intelligence, without caring or working much on my EQ ove...
by DaftInvestor
Thu Aug 08, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 98
Views: 9051

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

Amazon is for convenience and the large breadth of selection. It stopped being the low-cost powerhouse a decade ago.
by DaftInvestor
Thu Aug 08, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 10671

Re: A note on spending for kids

Spending money on Sports and Music surely beats spending lots of money on video games and toys, but I agree with the general sentiment of the Sermon (Not sure why the OP didn't make it personal by describing what was done for his/her own kids). Academics are important for IQ - but extracurricular ac...
by DaftInvestor
Thu Aug 08, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Silicon Valley Interview Attire
Replies: 30
Views: 2464

Re: Silicon Valley Interview Attire

I'd go NICE jeans (Dark), dress shirt (or nice casual button down shirt) and dress shoes.
Khaki pants have been replaced by nice jeans as "Office Casual" in my observations.
I don't see many wearing Polo shirts anymore either it seems in the offices (either button down or nice-tshirt if casual).
by DaftInvestor
Thu Aug 08, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Bogleheads have higher IQs!
Replies: 21
Views: 1366

Re: Bogleheads have higher IQs!

As a side note - I just glanced at the article - 2011 date at the top and 2019 copyright at the bottom.
Does Business Insider just recycle everything every 8 years?
by DaftInvestor
Thu Aug 08, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Bogleheads have higher IQs!
Replies: 21
Views: 1366

Re: Bogleheads have higher IQs!

You need a high EQ to really be successful. A high IQ is just the icing on the cake.
The good news is that you can work on raising your EQ.
by DaftInvestor
Wed Aug 07, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4516

Re: high-yield savings: stay or switch?

Marcus/GSBank may drop their rates as well but they have always been slightly higher than Ally (at think at one point they were the same - but usually slightly higher - I've been watching for years). Synchrony also tends to be about the same as Marcus (and always higher than Ally). This is true but...
by DaftInvestor
Wed Aug 07, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3804

Re: Worth it to upgrade to Main Cabin Extra?

Depending upon the airline and flight path it may include better meals/snacks and alcohol (or upgraded service of some sort) as well as the additional comfort. Sometimes it might include outlets with the seats versus regular economy which may not. 18 hours round trip? $230/18 = $13 per hour for extr...
by DaftInvestor
Tue Aug 06, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 10409

Re: Amazon Prime - Value?

Prime is still working for me.
What is amazing is that I am now finding many items come with 1day prime delivery - could be becuase I don't live far from a distribution center.
by DaftInvestor
Tue Aug 06, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4516

Re: high-yield savings: stay or switch?

Marcus/GSBank may drop their rates as well but they have always been slightly higher than Ally (at think at one point they were the same - but usually slightly higher - I've been watching for years). Synchrony also tends to be about the same as Marcus (and always higher than Ally).
by DaftInvestor
Tue Jul 30, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6017

Re: What's your Uber passenger rating?

4.95 - I believe mine dropped when I started using Uber internationally.
by DaftInvestor
Tue Jul 30, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by DaftInvestor
Tue Jul 30, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7044

Re: Do you buy the highest trim car ?

WhiteMaxima wrote:
Mon Jul 29, 2019 5:23 pm
Buy only your need.
Do you own a White Maxima? The Sentra or Altima would be cheaper choices and likely all you "need" :)
by DaftInvestor
Tue Jul 30, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7044

Re: Do you buy the highest trim car ?

We typically go for the highest trim levels - sometimes with additional packages. I don't think I could ever go back to cloth seats again. After having leather for so many years they just feel cheap to me and less comfortable. I agree with others - heated/ventilated seats take care of the heat probl...
by DaftInvestor
Sun Jul 28, 2019 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

I don't have it because I never signed up for it. I believe they had a free offer but it had questionable terms and conditions as I recall. I simply froze all my credit so saw no benefit to monitoring. As one of the above posts said, if you have credit monitoring through your credit card, in good c...
by DaftInvestor
Sat Jul 27, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by DaftInvestor
Fri Jul 26, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 831

Re: Audible audio books

You can buy books on your phone - if your phone is Android. I have done it. Here are the instructions: https://audible.custhelp.com/app/answers/detail/a_id/4790/~/how-can-i-purchase-an-audiobook-in-the-audible-for-android-app%3F I am guessing is that you have an Apple iPhone (many non-Apple Apps hav...
by DaftInvestor
Fri Jul 26, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax Settlement Claims

You have to certify you have current credit monitoring to get the $125. Anyone know exactly how that's defined? I have all my accounts frozen and receive notices on certain credit cards if there is any activity on my SSN, but that's about it. This is a good question. It doesn't really define nor sa...
by DaftInvestor
Fri Jul 26, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement - best option for claim

Hello Bogleheads, As many of you may have affected by Equifax data breach, i am wondering which is the most value to obtain, when filing a claim with them. Here are the options: 1. Choose free credit monitoring, a cash payment (if you already have credit monitoring), or skip to the next section [ I...
by DaftInvestor
Fri Jul 26, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9426

Re: Where would you move to?

You mentioned looking for a place "with no income taxes". You should look at the total cost-of-living and tax picture otherwise you could pick a state with no income tax but end up with very high property tax, excise tax, gas tax, alcohol tax, sales tax, etc. making your situation more expensive. Al...
by DaftInvestor
Fri Jul 26, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4228

Re: Weed clearing: Landlord vs. tenant responsibility?

So I've just asked the tenant what the lease says. Apparently the landlord and tenant split the cost of an annual "tractoring" (mow or disc.) And that does get done annually. The problem is that is usually insufficient and another mowing often needs to be done in early summer, and usually some extr...
by DaftInvestor
Fri Jul 26, 2019 12:37 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 85
Views: 16252

Re: Retire with Less Than $1 million?

You can always return to work if retirement is "unaffordable." Doesn't have to be a one way street. Not sure about the "always" part. If the economy changes direction finding work could be difficult - especially for someone older. Also - some end up with health issues that make going back to work h...
by DaftInvestor
Fri Jul 26, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1581

Re: AirBnB asking for govt photo ID verification

What's the concern?
With AirBnB often there is no one to check your ID upon arrival - not like a hotel where they have 24x7 staff.

I actually like the fact that both sides are fully vetted. I don't think I would trust using AirBnB otherwise.
by DaftInvestor
Fri Jul 26, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by DaftInvestor
Fri Jul 26, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Be aware of Verizon!
Replies: 34
Views: 4349

Re: Be aware of Verizon!

Thanks for the story - yes - certainly - always check the paperwork. But even then - they seem to feel they can make changes (such as removing a premium channel) without it affecting the contract. Verizon removed a channel from our package without adjusting the price. I called them and told them tha...
by DaftInvestor
Fri Jul 26, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Be aware of Verizon!
Replies: 34
Views: 4349

Re: Be aware of Verizon!

Nodding yes to everything but BBB. Verizon will call BBB and say "it's all resolved" and they'll mark it that way and their claim number will revert to zero. BBB is nothing but a sham. I made a bad report against a driveway/asphalt company once and my complaint wasn't marked resolved until a signed...
by DaftInvestor
Fri Jul 26, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1409
Views: 137495

Re: U.S. stocks continue to soar!

I love the smell of rising stocks in the morning!

Nasdaq leading today's charge.
by DaftInvestor
Fri Jul 26, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

In order to get the $125 you have to certify that you do not already have credit monitoring (and I don't so I am not eligible for the $125). I don't know if I'm really interested in Credit Monitoring - I supposed it can't hurt - but seems I am just going to be getting more junk mail from Equifax if...
by DaftInvestor
Thu Jul 25, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by DaftInvestor
Thu Jul 25, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11588

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

with Vanguard federal money market VMFXX paying a 7-day SEC yeild of 2.26%, is this promotion really worth all the moving money around, setting up a new account, etc? Seems like a lot of work for not much more return. 1% over 3 months is equivalent to 4% APR. So you'll get 2.15% + 4% = 6.15% vs. a ...
by DaftInvestor
Thu Jul 25, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 130
Views: 10989

Re: Equifax settlement: how to file claim?

In order to get the $125 you have to certify that you already have credit monitoring (and I don't so I am not eligible for the $125). I don't know if I'm really interested in Credit Monitoring - I supposed it can't hurt - but seems I am just going to be getting more junk mail from Equifax if I sign ...
by DaftInvestor
Thu Jul 25, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11588

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

with Vanguard federal money market VMFXX paying a 7-day SEC yeild of 2.26%, is this promotion really worth all the moving money around, setting up a new account, etc? Seems like a lot of work for not much more return. 1% over 3 months is equivalent to 4% APR. So you'll get 2.15% + 4% = 6.15% vs. a ...
by DaftInvestor
Thu Jul 25, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: How to get information - without being bombarded??
Replies: 6
Views: 722

Re: How to get information - without being bombarded??

+1 on Google phone number and additional email address. It only takes a few minutes to set up and is free. An unused (or barely used) landline is the other option. (Note: I recently got an email saying my Google Phone would be turned off due to non-use - so I made a few calls from it. Seems you need...
by DaftInvestor
Thu Jul 25, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Update with Part 2: What would it take for you, the non-landlord, passive-investor, to become a landlord?
Replies: 57
Views: 4228

Re: What would it take for you, the non-landlord, passive-investor, to become a landlord?

Like many bogleheads here, I come from a family of extremely passive investors because not only do we believe in the evidence backing it, but we also don’t like the idea of managing investments. Not to derail the thread but I'm not sure about this. I think a lot of us come from families that did no...
by DaftInvestor
Thu Jul 25, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Outdoor “misting fan” recommendation?
Replies: 7
Views: 782

Re: Outdoor “misting fan” recommendation?

I was at an event recently that had one of these being used a mister:
https://images.app.goo.gl/SbAZkWJimDb8g1ZU7

Should certainly do the trick for you. :)
by DaftInvestor
Thu Jul 25, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 214
Views: 17807

Re: Has anyone seen the documentary "Playing with FIRE?"

I’m honestly confused as to why this is so controversial here. Two letters: RE I think most people on this forum agree with the FI part, although some of the suggestions are a little too extreme to me. But it is the Retire Early part where I think they are misleading a lot of folks. So yes, save as...
by DaftInvestor
Wed Jul 24, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 214
Views: 17807

Re: Has anyone seen the documentary "Playing with FIRE?"

That's your opinion. :D (If you read the full New Yorker article, as I recall, he stated that Peter got red in the face he was so agitated at disagreements - its a bit different than how Bogle would react - there is no comparison between two... Also note - my conjecture was based upon a lifetime of...
by DaftInvestor
Wed Jul 24, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 214
Views: 17807

Re: Has anyone seen the documentary "Playing with FIRE?"

When I confessed these and other transgressions to Adeney the next morning, he was not amused. When I blamed some of it on Manhattan, he accused me of “excusitis” and kept up a running critique over the next several days. “Paying for parking is a sign from God that you’re in an area not designed fo...