Search found 3305 matches

by ThankYouJack
Mon May 25, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 41
Views: 1586

Re: New Vehicle: Forester or Rav4 for boglehead couple

I will no longer buy Subaru unless it's used. I test drove a Forester, and I found is disconcerting when the engine turned off at a stop light. I know this is to save gas, but I find it super annoying. I absolutely hate that feature, I would almost call it a deal breaker if a car has it. What I don...
by ThankYouJack
Mon May 25, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 41
Views: 1586

Re: New Vehicle: Forester or Rav4 for boglehead couple

Seems like the main reason for the new car is safety so I would look into safety ratings. InformedForLife.org has some side by side comparisons. I would also sign up for a month of Consumer Reports online and check reliability ratings since that is a big concern. - SUV since I'm told getting a baby ...
by ThankYouJack
Mon May 25, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 18
Views: 835

Re: Robot vacuums

OP here... That does bring up the question of noise. Can you sleep, or watch tv while they run? I have a Roomba 760 that I got on a big Black Friday sale. I can't sleep while mine is running unless I have a noise machine on. I can watch TV while it's running, but the noise is distracting. Overall, ...
by ThankYouJack
Mon May 25, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1624

Re: Self Isolating Winter Getaway Ideas

That all seems reasonable to me. Part of me wants to daydream a bit about a bigger excursion even if we can't make it happen.
But we'll wait to book anything unless there's free cancellation. Renting an RV could be fun and a memorable experience.
by ThankYouJack
Sun May 24, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Bogleheads.org like site for home and yard improvement / repair?
Replies: 2
Views: 351

Bogleheads.org like site for home and yard improvement / repair?

I'm looking to make some home and yard improvements and would like to post pictures and get feedback on certain things. Is there a good forum for this sort of thing? I did a quick Google search and a lot of them seem inactive. This could be my best bet - https://www.houzz.com/discussions/home-repair...
by ThankYouJack
Sat May 23, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Great iPad games for kids
Replies: 2
Views: 221

Re: Great iPad games for kids

code.org has some good stuff.
I'm pretty old school when it comes to games for my kids - I'd much rather have physical games than play behind a screen. I know it's not what you asked but Thinkfun has some great physical logic games - https://www.thinkfun.com/our-products/
by ThankYouJack
Sat May 23, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: What phone to buy after iPhone 7 Plus
Replies: 16
Views: 1256

Re: What phone to buy after iPhone 7 Plus

Maybe an SE?

But I think you would get used to the notch. I did when I got an X. No way I would get an 8 when I could get an 11 for not that much more
by ThankYouJack
Sat May 23, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 4711

Re: What do people spend money on?

Experiences - vacations...food....

Do you have any hobbies?
by ThankYouJack
Sat May 23, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1624

Re: Self Isolating Winter Getaway Ideas

Thanks for the replies. Good to know about Hawaii. We'll probably just plan to drive someplace which pretty much limits our search to Florida if we want warm weather. We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm w...
by ThankYouJack
Sat May 23, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1624

Self Isolating Winter Getaway Ideas

We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm weather (60+ highs) is desirable and something where we can get out in nature is a must. Also avoiding big crowds and big cities would be critical. East Coast would sav...
by ThankYouJack
Sat May 23, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 295
Views: 19714

Re: The axe falls and I am prepared. What's next?

KlangFool, the numbers seem good to me -- congrats on your success! Two things tho -- are you sure you can get unemployment insurance while receiving severance pay? And is your wife fine working for the next decade (?) for the health insurance benefits? ThankYouJack, <<Two things tho -- are you sur...
by ThankYouJack
Sat May 23, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 295
Views: 19714

Re: The axe falls and I am prepared. What's next?

KlangFool, the numbers seem good to me -- congrats on your success! Two things tho -- are you sure you can get unemployment insurance while receiving severance pay? And is your wife fine working for the next decade (?) for the health insurance benefits?
by ThankYouJack
Sun May 10, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 946

Simplest Coffee Cold Brew Systems

I have a Hario Cold Brew System but it takes a while to fill and a bit to clean. Instead I'm thinking about getting one where I can add the grinds and all the water at once (instead of having to slowly pour the water in and wait for it to drain) and ideally it would brew more than 1000 ml of coffee ...
by ThankYouJack
Fri May 01, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4656

Re: Front load washing machine recommendations

Thanks, will take a look at those LG models My wife regrets choosing a front loading washing machine when we switched 5 years ago. The bottom of the rubber seal in the opening to the front door is hard to keep dry after each load. You literally have to manually dry it with a towel to prevent mildew....
by ThankYouJack
Fri May 01, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4656

Front load washing machine recommendations

Our washing machine is on the fritz so we're looking to get a new one. Would like a front load because that'll fit in our space. Not too picky, but would like something durable and probably not an LG. We're a family of 4 so have a decent amount of laundry and would like something mid range. Budget i...
by ThankYouJack
Tue Apr 28, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Music experts - troubleshoot a microphone
Replies: 10
Views: 535

Re: Music experts - troubleshoot a microphone

Quick update: I got the cable from Amazon today. The first thing I noticed was that it connects much more securely into the mic. And I did a quick 30 second test but it seems completely better now.
by ThankYouJack
Mon Apr 27, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Music experts - troubleshoot a microphone
Replies: 10
Views: 535

Re: Music experts - troubleshoot a microphone

Thanks all. That's what I was hoping to hear. I'll get a new cable and try that first. Do you maybe mean SM-58? Is is the old or new model? Is the cord wired permanently to the mic, or is the cord removable? Is there an on-off switch? Yep, good catch, I meant the SM-58. I think it's the new model. I...
by ThankYouJack
Mon Apr 27, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Music experts - troubleshoot a microphone
Replies: 10
Views: 535

Music experts - troubleshoot a microphone

I was given a Shure SM58 microphone and Fender amp. I'm not a musician but my kids enjoy singing into it once in a while. However, it cuts out quite a bit. There's some up and down movement / play where the cord goes into the microphone (not sure if that's normal) and I tried pushing the cord up and...
by ThankYouJack
Tue Apr 21, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9342

Re: I Got Scammed To Send Amazon Gift Cards

I would contact Amazon and still try to cancel.

Also, I would call your credit card company, and see what they say. Maybe they'll refund you.
by ThankYouJack
Tue Apr 21, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 33
Views: 2592

Re: Coffee Experts - Help with an online coffee order

Thanks all. Lots to choose from! I think I'll skip the flavored coffee for now. My local roaster will add toasted coconut directly into the beans, which is pretty good, but I don't want to go with a syrup for flavoring. Unfortunately they charge a flat rate of $15 for shipping. In terms of getting a...
by ThankYouJack
Mon Apr 20, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: NEVER change?
Replies: 13
Views: 1223

Re: NEVER change?

Okay...okay... :wink: . I'm going to add all my accounts back to mint. I will say, it's only been three weeks since I stopped looking. But, I'll take the advice and keep an eye on it. I'll let you know what I find... I don't check my accounts that often myself. I personally wouldn't use Mint to sto...
by ThankYouJack
Mon Apr 20, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 33
Views: 2592

Coffee Experts - Help with an online coffee order

I'm looking to buy some coffee - would like to spend $10-$18 / pound and have it shipped to me. I'd like to get: 1. A nice light roast that is great for cold brew. Thinking possibly Central American beans but am open. May have pre-ground for French Press/course as I don't have a great grinder. 2. Ca...
by ThankYouJack
Mon Apr 20, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6080

Re: How to negotiate severance if laid off?

For a megacorp, I'd be surprised how much you can negotiate severance since they typically have set rules put in place HR. You can either take it or leave it and will have a small timeframe to sign the offer. It's one thing to negotiate while still employed, but I don't get why they'd make an except...
by ThankYouJack
Mon Apr 20, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Fun topic: options in/around Santa Barbara
Replies: 26
Views: 1462

Re: Fun topic: options in/around Santa Barbara

I've lived in Santa Barbara and rented while there. I would love to get back, but would probably still rent unless I planned to lived there permanently in which case I would want $2M for a house (which I don't have). It's a very expensive place to buy but not as bad renting - https://www.realtor.com...
by ThankYouJack
Sun Apr 19, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

Re: 2 iPhone rotation

The SE seems appealing price wise but I wish the screen was bigger and it had face detection. I'm hoping a base iPhone 12 comes out with a 5.5 screen for $600-ish. Or pick up an 11 if they drop the price by ~$100 The latest rumor is that there will be four models of the iPhone 12, and the smallest ...
by ThankYouJack
Sat Apr 18, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

Re: 2 iPhone rotation

Thanks for the replies. I think I'll stick with iPhones - pretty well tied into Apple ecosystem and I've been very happy with them. The SE seems appealing price wise but I wish the screen was bigger and it had face detection. I'm hoping a base iPhone 12 comes out with a 5.5 screen for $600-ish. Or p...
by ThankYouJack
Sat Apr 18, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

Re: 2 iPhone rotation

Or you could just sign up for Apple's iPhone Upgrade Program and get a new phone every year. https://www.apple.com/shop/iphone/iphone-upgrade-program I imagine this is quite a bit more expensive especially for two phones. I don’t need the latest tech, yet also don’t want a phone over 5 years old so...
by ThankYouJack
Sat Apr 18, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

Re: 2 iPhone rotation

Most people don't need a new iPhone every 4 years. And yes I think it probably is better to buy used and upgrade more frequently. I find after about 4 years the phone starts showing some age. If I could save a lot maybe I’d hang onto them longer, but I don’t think $300 a year for having two phone i...
by ThankYouJack
Sat Apr 18, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

2 iPhone rotation

My wife and I both have iPhones. I'm currently using an iPhone 7 (which someone gave me) and she has an XS. I'm thinking every two years we'll upgrade to one new iPhone (I would like the screen to be between 5 and 6 inches). Let's say the base phone is $750 after tax with a $150 trade in rebate, tha...
by ThankYouJack
Sun Apr 12, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a side gig (web developer / programmer)?
Replies: 6
Views: 982

How to find a side gig (web developer / programmer)?

I used to do a fair amount of part-time freelance work (web application development, IT, programming) that I got through friends and connections. I stopped once I had kids and have since stuck with a secure public sector job. I'm considering looking for more freelance work now but don't have as many...
by ThankYouJack
Sun Apr 12, 2020 5:50 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72262

Re: Bogleheads community discussion - Coronavirus

Anyone know the risk factor for a 12 year old boy with asthma? My friend's son has asthma and she's pretty concerned about it. [ quote fixed by admin LadyGeek] https://www.cdc.gov/coronavirus/2019-ncov/need-extra-precautions/asthma.html Directions, but I doubt they know the risk yet. Thanks mouses
by ThankYouJack
Sun Apr 12, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2691

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

I think it depends on your personal financial situation. Is the car purchase a small % of your net worth? If so, I would just pay cash and be done with it.
by ThankYouJack
Sun Apr 12, 2020 5:01 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72262

Re: Bogleheads community discussion - Coronavirus

https://drive.google.com/uc?export=download&id=121sFGVL3_vhuL9DCzAhU54_wsoluVtBJ 90% of Covid-19 hospital admissions have at least one of these diseases. Those aged 65 years and older were admitted at a rate of 13.8 per 100,000, with 50- to 64-year-olds next at 7.4 per 100,000 and 18- to 49-year-ol...
by ThankYouJack
Sat Apr 11, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Difficulty receiving tuition refund during covid
Replies: 6
Views: 556

Re: Difficulty receiving tuition refund during covid

I think it's pretty much up to the business what they do since you've already paid them. This is a risk of pre-payment. What does your agreement with them state/what is the written policy? Your only other option (although I think it's dirty) if you paid with a credit card is to do a charge back. Ba...
by ThankYouJack
Sat Apr 11, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Difficulty receiving tuition refund during covid
Replies: 6
Views: 556

Re: Tuition refund during covid

If you want a refund, I would first ask for one. I bet they'll grant you one. We're paying for our preschool willingly but it's only an extra 2.5 months and is a small non-profit. Most of the tuition goes towards the teachers pay who we really like, and it's a great school that we want to help suppo...
by ThankYouJack
Thu Apr 02, 2020 4:53 pm
Forum: Personal Investments
Topic: Early semi-retirement - 3% or Variable Percentage Withdrawal?
Replies: 29
Views: 2325

Re: Early semi-retirement - 3% or Variable Percentage Withdrawal?

Am I missing anything? One huge thing that you are missing is that the income you will need or want from your portfolio will change a lot when things happen like; 1) You both stop working. 2) You start Social Security 3) Your spouse starts Social Security. 4) You start Medicare( If you have really ...
by ThankYouJack
Tue Mar 31, 2020 6:22 pm
Forum: Personal Investments
Topic: Early semi-retirement - 3% or Variable Percentage Withdrawal?
Replies: 29
Views: 2325

Re: Early semi-retirement - 3% or Variable Percentage Withdrawal?

One other thing I was thinking is my employer contributes a set amount to my retirement account each year. It's not a ton, but I can add that on top of the 3% SWR. When I was working I never kept a budget, but since I retired I've been keeping a simple spreadsheet to track net worth, outflows and cu...
by ThankYouJack
Tue Mar 31, 2020 3:51 pm
Forum: Personal Investments
Topic: Early semi-retirement - 3% or Variable Percentage Withdrawal?
Replies: 29
Views: 2325

Re: Early semi-retirement - 3% or Variable Percentage Withdrawal?

Thanks all. I'm learning towards the 3% SWR but am still torn so will give it some more thought. One thing too, is that my spouse stopped work in December and we've been using my income plus her separation pay which will last until the middle of next year. The market has been so volatile and I'm won...
by ThankYouJack
Tue Mar 31, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Save or invest?
Replies: 17
Views: 1406

Re: Save or invest?

If you lose your job, how long would you anticipate it would take to get another one? Would you get a severance package for a certain number of months? And can you live off of your spouse's income without tapping into your EF? I don't think there's a right or wrong answer. You may come out ahead inv...
by ThankYouJack
Tue Mar 31, 2020 10:06 am
Forum: Personal Investments
Topic: Early semi-retirement - 3% or Variable Percentage Withdrawal?
Replies: 29
Views: 2325

Early semi-retirement - 3% or Variable Percentage Withdrawal?

My spouse and I both used to work full-time but now just one of us works part-time. Health insurance is through our employer and our income covers our necessities, but to cover discretionary expenses we'll have to withdrawal some from our portfolio. I feel that I'm too concerned about withdrawing fr...
by ThankYouJack
Mon Mar 30, 2020 4:48 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

Correction: deaths in Italy peaked on March 21 -- nine days ago. https://www.worldometers.info/coronavirus/country/italy/ So the US should be peaking right about now. What are you talking about? There is no peak in deaths on March 21. I think fredflinstone got the daily new cases chart mixed up wit...
by ThankYouJack
Mon Mar 30, 2020 11:43 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

Due to delayed and incomplete reporting from New York State, we had to make adjustments to yesterday's totals in order to maintain the correct attribution of historical figures. US figures for Sunday, March 29 could still be incomplete. Thank you for the correction. Sure, you're welcome. I was foll...
by ThankYouJack
Mon Mar 30, 2020 11:35 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

https://i.imgur.com/62rDeZhl.jpg Updated data still showing a ~30% decrease in deaths Sunday from the previous day. It's useful data but again only a single day. Source is worldometers. They also have this comment just below the chart: https://www.worldometers.info/coronavirus/country/us/ March 30 ...
by ThankYouJack
Mon Mar 30, 2020 10:57 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

US deaths dropped by half From the previous day today on worldometers. Obviously a single day doesn’t mean much but it is a substantial change. Mostly it’s due to less deaths in NYC but of course most of the rise was due to NYC also. I see no discussion of this in the media, despite constant covera...
by ThankYouJack
Sun Mar 29, 2020 8:31 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

Anyone know when worldometer posts the final statistics for the day? Yesterday they had 525 new deaths posted at 18:30 EST which was the total for the day. Tonight at 21:30 EST it says 264 deaths. I'm guessing the results are delayed to post being a Sunday or something else, but hoping that's the fi...
by ThankYouJack
Sun Mar 29, 2020 8:37 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

I have a question regarding who should be going out to get the groceries. I have not seen data for the US of male vs female fatality. I have no idea if the US follows the data in Wuhan, Italy and Germany where more males die than females. Also, I don't know if this means the illness is equally dist...
by ThankYouJack
Sat Mar 28, 2020 6:35 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

Worldometer is currently showing NY with 6.056 new cases which is down from 7,285 yesterday. New deaths are down as well ,so hopefully the trends will continue. Stay safe. But assuming it's based on EST there's still 7 hours left in the day. I'm trying to be optimistic too, but don't you think the ...
by ThankYouJack
Sat Mar 28, 2020 4:36 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

I had a conversation with a male coworker a few weeks ago about how so few guys wash their hands after going to the bathroom, even in a highly-educated, white collar work environment. If this epidemic gets people to wash their hands and sneeze and cough into their elbows, that might actually be a h...
by ThankYouJack
Sat Mar 28, 2020 4:23 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

Worldometer is currently showing NY with 6.056 new cases which is down from 7,285 yesterday. New deaths are down as well ,so hopefully the trends will continue. Stay safe. But assuming it's based on EST there's still 7 hours left in the day. I'm trying to be optimistic too, but don't you think the ...