Search found 732 matches

by Angelus359
Sat Oct 14, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4823

Re: Is there boglehead consensus on buying a car?

I just bought a new Prius, and the Costco price beat everyone
by Angelus359
Sat Oct 14, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Citi Price Rewind iPhone 7 Did They Pay You?
Replies: 14
Views: 1809

Re: Citi Price Rewind iPhone 7 Did They Pay You?

I did one price rewind, and I had to use the PDF form
by Angelus359
Sat Oct 14, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2096

Re: Tesla roof deposit: Anyone paid one?

Tesla roof comes with lifetime warranty. What happens if Tesla goes out of business? When Tesla goes bankrupt your warranty is worthless. Yes, I said when, not if. You can't run a company at a multi-billion dollar loss and expect to make it up on volume. Ha ask Amazon, uber, spacex, etc all of whic...
by Angelus359
Sat Oct 14, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1331

Re: Anyone else using HTTPS Everywhere or similar?

If you go to
Chrome://flags
You can enable a setting that will make all http only sites be marked as insecure
by Angelus359
Sat Oct 14, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6407

Re: Asking for discounts

I like asking for discounts as well! Here I will ask: - At Home Depot or Lowes: On appliances, find a display model or closeout, "The Manager" will almost always knock off another 10%. You can also get 10% "moving coupons" for either of these stores from ebay for about $10, they arrive as a PDF. Th...
by Angelus359
Sat Oct 14, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 38
Views: 2597

Re: Antivirus Software Recommendations

Av-comparatives and av-test are the data sources to go by

Admittedly I use Windows defender and malware bytes because I don't want to pay.

The best av is common sense, and an adblocker

I use
Privacybadger
Ublockorigin
by Angelus359
Sat Oct 14, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3665

Re: Wifi Thermostat

Another vote for ecobee
I got an ecobee 3 on a black Friday sale making the price 200$, then got 150$ in cash back from a combo of electric company rebates and gas company rebates

Total price: 64$ after tax

The unit has been totally fantastic
by Angelus359
Sat Oct 14, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5321

Re: 2018 Honda Accord

All-electric is fine - definitely looking forward to that! Turbo 4-cyl has nothing to do with that, and I would definitely go with a V6 instead of the turbo 4-cyl for the driving experience and reliability. The Camry V6 is proven to be highly reliable, and the fuel consumption is great at 22/32/26....
by Angelus359
Sat Oct 14, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1331

Re: Anyone else using HTTPS Everywhere or similar?

rav2fi wrote:
Fri Oct 13, 2017 8:28 am
The extensions I use for security/adblock:

1. Ublock origin
2. Privacy badger
3. HTTPS everywhere

I haven't experienced any issues with any of the sites I visit while using these.
Hah, we use the same exact set
by Angelus359
Sat Oct 14, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3060

Re: New mattress

I bought a leesa mattress
It's a hybrid foam mattress so it doesn't have the heat issues that memory foam has

After I bought it, I stopped waking up in pain

Sleepopolis has coupon codes to make them cheaper

A lot of of my coworkers love their purple mattresses
by Angelus359
Sat Oct 14, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 128
Views: 8936

Re: anyone else not liking the new cars?

I just bought a new Prius and I love the look
by Angelus359
Fri Oct 13, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1331

Re: Anyone else using HTTPS Everywhere or similar?

I use httpseverywhere Ublock origin Privacy badger Ublock origin blocks a known list of baddies Privacy badger uses a learning algorithm to learn what is tracking you and block it This has been an excellent combination, though admittedly I have an abundance of computer resources on all of my compute...
by Angelus359
Wed Oct 04, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

feh wrote:
Tue Oct 03, 2017 12:01 pm
My only comment is that I wouldn't buy electric if only driving 5K miles per year.
I bought a hybrid so... Halfway?
by Angelus359
Wed Oct 04, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

Break the lease - probably quite expensive, but there were deals in the past where you could do that at no cost to you - check the contract. Try to outright buy the car and sell as used - significant value loss, probably less cost than breaking the lease. So at this point, I think you should probab...
by Angelus359
Sun Oct 01, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

I learned from posts here that there are Honda and Toyota dealers in various parts of the country selling manufacturer's extended warranties for a significant amount less than typical retail. So my vote would be cancel the warranty if OP can, and then either leave it be, or at least buy the same pr...
by Angelus359
Sun Oct 01, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

John Laurens wrote:
Sat Sep 30, 2017 2:59 pm
The only car you can’t afford is the one that comes with payments.

Regards,
John
I technically could afford it cash, but I'd have to take month from my Roth IRA.

I have about 35k in semi liquid assets
by Angelus359
Sat Sep 30, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

I'm glad for the vote of confidence you're all giving Even though it's only 25% of my new annual income, my income is still pretty new to me (earlier in the year, I made 35k/yr at old job), so getting used to big numbers is hard! Now what to do with my income An intermediate corporate bond fund woul...
by Angelus359
Sat Sep 30, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

sport wrote:
Sat Sep 30, 2017 12:27 pm
I think you did fine, except for the extended warranty that is not needed.
I got sold the warranty by the guy using a bit of a scare tactic telling me the average prius repair they see in the shop is $2200

It might be worth it, who knows
by Angelus359
Sat Sep 30, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

Re: I bought a car without thinking too much about value

Do you have any debt? What are your other saving goals? If you don't have any debt then its fine. It's not a hybrid BMW or something that would cost 50% of your income. With such low daily miles, you likely won't get back the value of the mileage from buying a prius. If it is a lifestyle decision, ...
by Angelus359
Sat Sep 30, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3987

I bought a car without thinking too much about value

My old car was falling apart. Had trade in value of 300$. I private sold it for 700 to the first person to make an offer, with the one condition that they promise to fix the 500$ repair that was necessary to make it road safe. I told them about all the mechanical issues, and even gave them repair qo...
by Angelus359
Sat Sep 30, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2687

Re: Caught by speed camera

In my state, camera based tickets were ruled unconstitutional by the Illinois supreme Court

All red light camera tickets are now void. We didn't have speed based camera tickets.
by Angelus359
Fri Sep 22, 2017 6:26 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4453

Re: Memory Foam Mattress Recomendations

In regards to not sleep related bed activities, I can state that my leesa's hybrid foam does not have the issues traditionally known with pure memory foam beds, as the upper layer of foam has more resistance. For example, I can roll around, get out of bed easily, or any other activity that requires ...
by Angelus359
Thu Sep 21, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1476

Re: Experian will give you your pin on-line!

It pretty much only requires your social, name, and birthday to bypass TransUnion trueidentity
by Angelus359
Wed Sep 20, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4453

Re: Memory Foam Mattress Recomendations

I stopped waking up in pain after getting my leesa hybrid foam mattress

It also has an air channel under the first layer of foam
by Angelus359
Wed Sep 20, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2634

Re: Bitcoin AA - Just out of Curiousity

I have about 1400$ of a mixture of cryptocurrency

My IRA has about 24k in it

That works out to be 5.5% of my portfolio


Just gonna let it sit and see what happens. Buy and hold.
by Angelus359
Wed Sep 20, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4597

Re: Costco vs sams club vs neither.

kjvmartin wrote:
Wed Sep 20, 2017 7:25 am
Angelus359 wrote:
Wed Sep 20, 2017 6:47 am
I love my Costco visa btw

4% gas, 3% restaurant, 2% Costco, 1% general, plus 2 years extended warranty on everything you buy
Don't forget price protection.
Most good cards offer that.
by Angelus359
Wed Sep 20, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4597

Re: Costco vs sams club vs neither.

I love my Costco visa btw

4% gas, 3% restaurant, 2% Costco, 1% general, plus 2 years extended warranty on everything you buy
by Angelus359
Wed Sep 20, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4597

Re: Costco vs sams club vs neither.

I've found that about once per year I get some major purchase like a car battery or roomba that is so much cheaper at Costco it fully pays for my membership
by Angelus359
Tue Sep 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25785

Re: Is a security freeze at Innovis really needed?

In theory, nasty criminals will go after whatever is least protected so those 2 micro bureaus Freezing everything might be a good idea. Then again, I won't say my social over an unencrypted phone line or send it over fax, and I believe much of the mail is scanned through the envelopes... Does anyon...
by Angelus359
Mon Sep 18, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4453

Re: Memory Foam Mattress Recomendations

I have a leesa queen. Got 75$ off from a referral link on a review website

After I got it, I stopped hurting when I wake up in morning, though I don't feel better just laying down. It's more firm than my last spring bed
by Angelus359
Sun Sep 17, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2916

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

You use 18 times as much electricity as me... Jeez I use about 230kwh per month, with ac all summer and gas heat all winter in Illinois My highest gas bill ever was 70. My highest electric bill ever was 55 I'm not sure how you get by with so little - I have the AC at 74 - which is a huge culprit - ...
by Angelus359
Fri Sep 15, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2916

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

You use 18 times as much electricity as me...
Jeez

I use about 230kwh per month, with ac all summer and gas heat all winter in Illinois

My highest gas bill ever was 70.

My highest electric bill ever was 55
by Angelus359
Fri Sep 15, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11352

Re: Anyone else freeze their credit score?

learning_head wrote:
Thu Sep 14, 2017 8:39 am
Angelus359 wrote:I don't like putting in my social without encryption
and how do you feel when filling out paperwork for every new doctor / dentist office? :annoyed
Their forms ask for social security. I leave it blank.
by Angelus359
Fri Sep 15, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25785

Re: Is a security freeze at Innovis really needed?

I selected my wording carefully.

I locked, not frozen TransUnion
by Angelus359
Fri Sep 15, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 84
Views: 6617

Re: Bitcoin is dropping right now after a big Chinese exchange announces closure

I have about 5% of my portfolio in a mixture of Bitcoin, litecoin, and ethereum

It's been about break even since I started
by Angelus359
Thu Sep 14, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11352

Re: Anyone else freeze their credit score?

I locked transunion with the free version of trueidentity I froze chexsystems, Experian, Equifax, innovis Experian charged 10$ Transunion charges 10$ for freeze and it's harder than trueidentity lock to unfreeze From what I understand, sagestream, ars, and ews are 3 additional bureaus that exist I f...
by Angelus359
Thu Sep 14, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25785

Re: Is a security freeze at Innovis really needed?

In theory, nasty criminals will go after whatever is least protected so those 2 micro bureaus Freezing everything might be a good idea. Then again, I won't say my social over an unencrypted phone line or send it over fax, and I believe much of the mail is scanned through the envelopes... Does anyone...
by Angelus359
Fri Sep 08, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3264

Re: New Mobile Phone number - Now hounded by Collection Agencies

I use an app called hya that has a database of spammers

Has helped me so much

Not sure if it'll help with collections
by Angelus359
Wed Sep 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: New job, life changes
Replies: 26
Views: 2198

Re: New job, life changes

Update:

My work pays the 401k administration fees
They offer some random funds I don't care about, vangaurd admiral s&p 500, vangaurd admiral extended market, vangaurd total bond, vangaurd total stock international admiral, vangaurd midcap admiral, and the full range of vangaurd target date funds
by Angelus359
Mon Sep 04, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 2016

Re: Got hit with a fee from td ameritrade on a transfer

She has a different 5 figure account at vanguard so maybe they'll help The account was initially funded by me with 100$ so making her whole isn't a big deal. It's at 62$ now. Just because something is somewhere on a website doesn't mean that you agreed to it. You have to have seen the terms to be ab...
by Angelus359
Mon Sep 04, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 2016

Got hit with a fee from td ameritrade on a transfer

A few years ago, I opened up a roth IRA for my girlfriend at td ameritrade She never actually had the login, but the account was in her name, and she was aware of it existing It was to get the 5 year roth IRA thing rolling, incase she wanted a roth I bought a single share of VTI, plus it had about 1...
by Angelus359
Thu Aug 31, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 55
Views: 4614

Re: Are Roomba's effective?

My roomba worked great for a year, and then it ticked once per minute and drove me crazy so I returned it costco
by Angelus359
Thu Aug 31, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7304

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

Definitely don't let a kid spend all his savings on a gaming computer if it's a prebuild

They have to build it themselves, or they won't learn from it
by Angelus359
Thu Aug 31, 2017 6:45 am
Forum: Investing - Theory, News & General
Topic: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"
Replies: 30
Views: 4723

Re: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"

I think the most complicated operation I'd ever see necessary would be a trailing stop loss limit I'd like to sell my stock, but only after it reaches x-y where x is the highest price it's reached in my orders lifetime, and y is an arbitrary offset, but I'd not like to sell it if it's dropped below ...
by Angelus359
Thu Aug 31, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7363

Re: How much sooner could you retire with NO property taxes?

Property taxes in Illinois are pretty high so I bought a condo. My hoa is about 250$/mo. My property taxes are around 2200. Condos have lower taxes but have hoa. The gf and I split this 50/50, so it's about 2.5k per person combined Would an extra 2.5k per year help? Sure. Is it a world changing valu...
by Angelus359
Wed Aug 30, 2017 7:16 pm
Forum: Investing - Theory, News & General
Topic: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"
Replies: 30
Views: 4723

Re: Ethereum (cryptocurrency) flash crash, 6/21/2017, $339->$0.10 in "seconds"

Market order: I'd like to buy or sell at current price
Stop loss market order... If the price drops below x, I'd like to sell
Limit order... I'd like to buy but no higher than x, or sell but no lower than y
by Angelus359
Fri Aug 25, 2017 6:24 am
Forum: Personal Consumer Issues
Topic: Help! Google Pixel erased itself -- what happened?
Replies: 15
Views: 1613

Re: Help! Google Pixel erased itself -- what happened?

sambb wrote:
Fri Aug 25, 2017 6:02 am
would switch to iphone, as a better option
iPhones also can self reset on too many failed passwords :P

Neither of them do it by default...
by Angelus359
Mon Aug 21, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3268

Re: Lastpass anyone use it?

I use LastPass with 2 factor

The data is encrypted via your masterpassword before it gets sent to cloud, so I'm not terribly worried
by Angelus359
Sun Aug 20, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 58
Views: 7866

Re: How to get a job as a software developer?

I work at a software engineering firm in devops with a job that required a computer science degree

I don't have a degree at all!