Search found 368 matches

by mancich
Sat Sep 15, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3351

Re: Should I get a new iPhone?

Have a 6s and I'm a fairly heavy user. Mine works flawlessly for what I do..apps open right up, don't understand how a few milliseconds faster would make any meaningful difference to me. I will upgrade when my phone dies. +1 I also have the 6s with an Otterbox and a screen protector. I've never had...
by mancich
Sat Sep 15, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 42
Views: 2774

Re: Investment Books

Best book I ever read: Personal Finance for Dummies, 1993 edition. I swear, that book laid the groundwork for so much great stuff. Interesting. One of my favorites has been Jack Bogle “The Little Book of Common Sense Investing”. +1. That Jack Bogle book pretty much sums up what you need to know abo...
by mancich
Wed Sep 05, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6691

Re: Walmart is not Amazon

My experience only: Walmart is a lumbering, sclerotic dinosaur who couldn't execute a one-car funeral. My local Supercenter is one of the busiest in the Northeast. Go in there on a Saturday morning (if you dare). The place is packed, and they have 4 regular checkout lanes, 2 express lanes, and a sel...
by mancich
Thu Aug 30, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8302

Re: Mega Downsize....

I would sell or donate whatever is practical to do so. For the rest, I'd rent one (or more) of those large roll-off dumpsters from your local trash collection company, and then be ruthless. We did this a few years ago with the basement and it was very liberating. And we haven't missed any of the "st...
by mancich
Fri Aug 17, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 3478

Re: Experian email alert! "Your score decreased"

I wouldn't worry about such minor things
by mancich
Tue Aug 14, 2018 3:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3685
Views: 1055811

Re: What Movie Have You Recently Watched?

The Vietnam War 18-hour PBS documentary by Ken Burns. Apparently I slept through most of US history class, because much of this material is new to me. Always interesting to learn more about a topic that is so familiar. +1. Just finished this myself and found it fascinating, and heartbreaking at tim...
by mancich
Mon Aug 13, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2539

Re: What's the reason you would buy reading glasses at...

My ophthalmologist told me the inexpensive dollar store glasses are fine, and that they won't hurt your eyes. I have perfect distance vision with the help of my contacts, but at 50, I am now having quite a hard time reading up close. Several pair of reading glasses stashed around the house works for...
by mancich
Mon Aug 13, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Re: Unlocked iPhone on eBay or Amazon?

I would get a new 8 for yourself and gift your daughter the 6s. The 6s only has so much life remaining in it. The 8 will likely receive a $100 discount next month when the next iPhone comes out. This guarantees the 6s will work perfectly for your daughter with zero hassles. I also look at in this w...
by mancich
Mon Aug 13, 2018 3:58 am
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Re: Unlocked iPhone on eBay or Amazon?

Thanks everyone, good ideas and advice!
by mancich
Sun Aug 12, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Re: Unlocked iPhone on eBay or Amazon?

TIAX wrote:
Sun Aug 12, 2018 2:48 pm
Make sure you check the return policy on ebay. Most ebay sellers don't allow returns (unless it's broken) so if you think you might change your mind, go with amazon.
Good point as well thank you
by mancich
Sun Aug 12, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Re: Unlocked iPhone on eBay or Amazon?

I went through this a few months ago with getting an iPhone for my wife since she was getting new hearing aids that worked better with an iPhone than her current Android phone. I ended up buying a new iPhone 6s after looking at used. The reasons were; 1) A lot of used iPhones have problems, I would...
by mancich
Sun Aug 12, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Re: Unlocked iPhone on eBay or Amazon?

Good points, thank you
by mancich
Sun Aug 12, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1425

Unlocked iPhone on eBay or Amazon?

Hello all, Does anyone have experience (positive or negative) with buying an unlocked iPhone on eBay (or Amazon)? Specifically, there are many sellers that sell new or refurbished iPhone 6s', which DW and I are considering getting for one of our daughters for Christmas. It is her first phone, and fr...
by mancich
Wed Aug 08, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1364

Re: What (simple) desktop to buy

Any thoughts on this: http://outlet.us.dell.com/ArbOnlineSales/Online/SecondaryInventorySearch.aspx?c=us&cs=22&l=en&s=dfh&sign=PXhcOSHtr1T4IOw%2fPR7UdeNswHza5Yf4jvGaHb%2fgP1VmRVEMqEskpiPmo2W7twq9EZqe2JnIjb2Jm8Y8Sl%2f2UK6iJ9tZYzjtK52JgfdbEdBPM6cWRWOZx2Xrwrctkz6HIJezrS1LwA8GH%2bEZ%2bSTzlRPX8Vi%2bmJzQ...
by mancich
Wed Aug 08, 2018 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3663

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

I wouldn't hire such a worker. I'd make sure they have the proper license and insurance. This is not an area in which to be penny-wise, pound-foolish.
by mancich
Tue Aug 07, 2018 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4761

Re: Dear BH, what are non-BH actions you do?

MJW wrote:
Mon Aug 06, 2018 4:33 pm
livesoft wrote:
Sun Aug 05, 2018 5:29 pm
I do a lot of market timing. Successfully.
sambb wrote:
Sun Aug 05, 2018 7:25 pm
I drive modern German or Italian cars not a 1999 Camry or Corolla.
Monsters. I'll never feel the same about this forum again knowing what kind of sickos are lurking around.
This was seriously funny :D
by mancich
Mon Aug 06, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15421

Re: Will you pay for your kids' college/graduate education?

Goal is to pay for most or all of a 4 year degree for a state school. If we can afford to do more we will. However, I'm not one of those parents who will move heaven and earth by borrowing from their 401k, borrowing against the house, etc, to send the kids to a super-expensive Ivy League school.
by mancich
Mon Jul 30, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 6044

Re: Consistently over budget on food - what are you guys eating?

Our family of 5 is averaging about $1,600/month, plus another $200 a month for eating out (Panera, pizza, etc). I hate it that we spend that much, but the kids are eating machines :D
by mancich
Fri Jul 27, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 1968

Re: Sub-500 laptop *brand* suggestions

Assuming you want a Windows 10 laptop and not a Chromebook, you may have a hard time finding a quality machine for that price with 8gig and an SSD. I have always had good luck with Dell, but YMMV. Check out their Outlet site if you don't mind buying something that isn't 100% new. Some of the items a...
by mancich
Fri Jul 27, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9948

Re: Toughest Purchase of my Life. Engagement Ring time

Make sure you have a personal property rider that covers jewelry- like engagement rings for actual replacement cost. Good reminder. Call your homeowner's insurance co. Ask about a separate valuable items rider. Then ask about faxing/emailing the receipt so you have coverage before it arrives. RM +1...
by mancich
Fri Jul 27, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7992

Re: Engineers come in.

Anything worth accomplishing will require a lot of hard work. Engineering is a demanding field. There is no cruising through it..
by mancich
Fri Jul 27, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9652

Re: Tips for staying active / injury-free into older age

I think it is different for everyone, and each person's body is capable of handling different kinds and amounts of exercise. You may want to talk to a sports physical therapist.
by mancich
Fri Jul 27, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: iphone purchase
Replies: 19
Views: 2192

Re: iphone purchase

The manager at local Verizon Wireless store said Apple is still having issues with the X and advised me to go with the 8 if I upgrade. I was just browsing, as my 6s works fine.
by mancich
Sun Jul 22, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1606

Re: iPhone to Android in 2018...

My iPhone 6S has been great for almost 3 years- just spent $29 to change over the battery. Rumor is that ios12 which is coming out this fall will make it even faster. I can’t think of a reason to upgrade my phone, let alone completely change ecosystems (and lose iMessage, FaceTime, App Store, etc.....
by mancich
Sat Jul 21, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13675

Re: Should I Dump a Pile of Money on Young Son?

Don’t give him the whole amount. How about 20k every 5 or so years to make things easier. Off to give him a downpayment tp a house when he becomes seriously interested. Keep the bulk for yourself in case of medical emergency. +1. This is what I would do -- gift it to him annually over time, help wi...
by mancich
Sat Jul 21, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2135

Re: High school graduation monetary gift for nephew

I think between $250 and $500 is reasonable
by mancich
Fri Jul 20, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3328

Re: suit shoe combo?

I am admittedly boring and a conservative dresser, but I wouldn't wear any color sneakers with a suit for any event, personal or business. But to each their own :beer
by mancich
Wed Jul 18, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3813

Re: 35 minute connection for flight, long enough?

That is cutting it way too close
by mancich
Mon Jul 16, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7462

Re: Anyone not have a Budget?

I guess I'm in the minority because I track my budget. It allows me to plan major expenses and come up for what we want to do. I don't go through the motion of: "over spent on gas, therefore we have to spend less on eating out" as my monthly expense are less than post-tax income. If I didn't track ...
by mancich
Thu Jul 12, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5866

Re: Anyone take naps at work?

alpenglow wrote:
Wed Jul 11, 2018 2:25 pm
rebellovw wrote:
Wed Jul 11, 2018 1:00 pm
Image
This was my first thought!
Classic episode! :D
by mancich
Tue Jul 10, 2018 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4885

Re: Target date funds....unsophisticated?

Nothing wrong with a target date fund, especially from Vanguard. One-stop solution, and beats the pants off most other solutions if you don't want to manage 3-4 funds yourself. :beer
by mancich
Tue Jul 10, 2018 5:25 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5783

Re: Where do you keep your Emergency Fund?

In an online savings account. I suggest Ally Bank. It is currently earning 1.75%.
by mancich
Fri Jul 06, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9696

Re: What time do you get up in the morning?

Still working, but work from home most days. I'm a morning person and am up by 4:30. Scan news, a little prayer time, workout, coffee. Best time of the day for me, before wife and daughters wake up around 6. I' usually fall asleep around 9.
by mancich
Fri Jul 06, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 3058

Re: Can you help me figure out how much emergency fund $ I REALLY need?

Sounds like your income is stable. You can't go wrong with 6 months in an online savings account earning 1.5% - 1.75% :beer
by mancich
Wed Jul 04, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3286
Views: 993254

Re: What Book Are You Currently Reading? Part VI

"Homo Deus: A Brief History of Tomorrow". Same author who wrote "Sapiens". Yuval Noah Harari
by mancich
Tue Jul 03, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3052

Re: How Not to be a Slave to my Wood Deck?

I am facing same issues with my 20x20 cedar wood deck. Thinking about replacing boards and rails with composite, assuming that sub structure is useable, how much would that cost?? I think all the major brands come in 20' lengths, so that would work well for you. The range is something like $40 - $7...
by mancich
Tue Jul 03, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: RSU Strategy
Replies: 10
Views: 888

Re: RSU Strategy

Mine vest after three years as well. I sell them immediately and invest them in my Vanguard funds.
by mancich
Tue Jul 03, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3052

Re: How Not to be a Slave to my Wood Deck?

If you're going to stick with wood, it will continue to be a challenge. Start with scrupulous preparation. Power wash, sand, etc. Wear a good quality mask if you are sanding. Then try an oil-based semi-transparent from Benjamin Moore. I recently went to this type of stain (bought at an authorized de...
by mancich
Mon Jul 02, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5928

Re: Do Advisers Add $$$ Value?

I am not a fan of hiring an adviser, and for me personally, I see no value. A modicum of reading up on various subjects (on BH forum, of course) is highly educational and most people can keep things fairly simple. But there may be instances where a person has no desire to learn about financial plann...
by mancich
Mon Jul 02, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Why is warren buffet okay with no owning any bonds?
Replies: 48
Views: 4746

Re: Why is warren buffet okay with no owning any bonds?

JoMoney wrote:
Fri Jun 29, 2018 1:27 pm
He owns his home and knows someone at DQ that can hook him up if things get tight.
:D :sharebeer
by mancich
Sun Jul 01, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13886

Re: What are your property taxes?

NYS here (not NYC)
House is worth about $460,0000 yearly taxes about $10,000.
Income taxes 7% +
Sales tax 8.125%

Too much :oops:
by mancich
Fri Jun 29, 2018 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 6093

Re: Timing exit from megacorp

Do what is best for you and your family. Wait and get all that you have earned. While Megacorp has treated you well with compensation, make no mistake that if costs needed to be cut, even a strong performer like yourself could take a bullet, and loyalty would go right out the window.
by mancich
Fri Jun 29, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4197

Re: Anyone Tried Youtube TV Yet?

I'd love to, but it is missing the Investigative Discovery channel, which DW loves.. :oops:
by mancich
Fri Jun 29, 2018 4:52 am
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4101

Re: Best way to clean eyeglasses?

I just use a microfiber cloth. In fact we use those things for dusting, cleaning the kitchen counters, cleaning the inside of the car, etc. Just throw them in the washer and dryer. They last for years and save a ton vs. paper towels.
by mancich
Fri Jun 29, 2018 4:50 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15313

Re: How much (green) cash at home for emergency ?

Interesting thread. We keep little cash in the house; really, only what we have in our wallets. But I do think it is not a bad idea to maybe keep $500 - $1,000 safely hidden "just in case".
by mancich
Fri Jun 29, 2018 4:48 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 5997

Re: Dave Ramsey against index funds?

He quotes 12%, but I don't think this is net of fees. After subtracting out the high-expense ratios of his actively managed funds, as well as SmartVestor pro fees (let's assume 1% AUM per year), I doubt that beats TSM over time.
by mancich
Fri Jun 29, 2018 4:41 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 2969

Re: Are many of you??????

Not anymore. I used to subscribe, but now prefer thewirecutter.com for free.
by mancich
Thu Jun 28, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5435

Re: car for long-distance driving

I have a Subaru Legacy 2018. AWD, and very good on gas. Peppy and fun to drive, and the Apple Car play makes long-distance driving more tolerable (I like podcasts). MSRP was about $22,500 I think (it is a company car).
by mancich
Thu Jun 28, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7601

Re: Are we just way over complicating this?

For investing topics, yes we do. Taylor's Three Fund philosophy is dead simple and elegant, and it works.
For other topics, there are such a wide range of things to talk about, and I find this forum endlessly interesting and educational :beer
by mancich
Thu Jun 28, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4212

Re: How many months of living expenses would you keep in your bank.

Checking - about 1 month, though it ebbs and flows
Online savings accounts: main emergency fund is about 6 months
Sub accounts in online savings: Vacation, Christmas, and House projects - these fluctuate
All the rest of non-retirement funds are in Vanguard