Search found 115 matches

by macheta
Sun Jul 22, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side. If they were all for your personal use, I can see a problem in that they should last much longer than a year. Mine last around a decade, or at least that’s how long it is before the machines are...
by macheta
Sun Jul 22, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 35
Views: 4198

Re: Cell phone tip: block callers

The robot callers use the same numbers about three or four times before switching numbers. I just started using truecaller app. The app keeps an updated spam number list. You will need to open the app every couple of days to see if the phone list has been updated. Also important to note any caller n...
by macheta
Sat Jul 21, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side.
by macheta
Sat Jul 21, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2039

Re: Pension Lump Sum: Short-term bonds?

I'm in the same boat sort of. I'm getting ready to take a lump sum. What are your thoughts on investing in the following: "... VTAPX (inflation-protected short-term), GLD, VBIRX (short-term t-notes), VMLUX (muni national short-term), VFIDX (corp short/intermediate 6 yr avg), VTABX (world bond long)....
by macheta
Sat Jul 21, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

CPAP.com. They often have discounts not advertised, and you have to call in and ask for the discount to be applied. They also have seasonal and quarterly 15% discounts or so. Don't need a prescription on file to order basic replacement parts, but if your doc faxes them a prescription, you can buy n...
by macheta
Sat Jul 21, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

I started out buying on ebay and amazon. Now I just purchase from cpap.com. The only exception is the wipes. I purchase this from amazon. I buy the Pampers Natural Clean Unscented Water Baby Wipes 3X Refill Packs, 216 Count. Its the same thing as the CPAP wipes but you save a ton of money.
by macheta
Sun Jul 15, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: 14 years with Bogleheads
Replies: 13
Views: 2065

Re: 14 years with Bogleheads

great job! I wish I found this forum a lot sooner.
by macheta
Sat Jun 16, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with smart home and home security? What to buy and how?
Replies: 5
Views: 715

Re: Anyone familiar with smart home and home security? What to buy and how?

I've used a similar security alarm service for the last four years. I really like it and it saved me a ton of money. If you go with the internet security system make sure you get backup power for your alarm and router/modem. The internet will still work when the power goes out.
by macheta
Mon May 14, 2018 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 53
Views: 5286

Re: Arizona Chapter

I'm in!
by macheta
Sun Apr 22, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Free Channels on Apple TV without Cable Subscription
Replies: 18
Views: 1617

Re: Free Channels on Apple TV without Cable Subscription

You can watch Bloomberg for free on the Fidelity Phone App. I don't have Apple TV as an option.
by macheta
Mon Apr 16, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106469

Re: To take or not to take delivery of Tesla 3

I would have a hard time taking delivery with all of the pressure. The amount of pressure coming from shareholders about production seems kind of scary.
by macheta
Sun Apr 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2279

Re: New HVAC system

I shopped around and found a small business owner that sold me off brand for half price. I love the investment and really happy with the results. I would also take the advise by the others and try get some more life out of the existing unit. My condo was built in 92 but the condenser was trashed. Th...
by macheta
Sat Mar 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off PMI or refinance or Appraisal
Replies: 19
Views: 1803

Re: Paying off PMI or refinance or Appraisal

With interest rates going up I would try to get out of the 5/5 loan. I'm not an expert though. Three years away to get rid of PMI is not bad. The variable or hidden cost to refinance and fix the house up would cause to many variables for removing three years of PMI payments. Plus you have to meet th...
by macheta
Sat Mar 31, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 26
Views: 3903

Re: Edward Jones

If you leave how will the ej adviser make his BMW payment?
by macheta
Sun Mar 25, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 20657

Re: My boneheaded financial mistakes

Not finding this website sooner.
by macheta
Sun Mar 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 4384

Re: New vs Used Camry vs Accord

I bought my vehicle new in 2011 and also shooting for twenty years. If I had to do it again, I would buy the new toyota camry. This has the Toyota Safety Sense on all the models as standard feature. I think this would be important when making a decision on a new car.
by macheta
Sat Mar 24, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3215

Re: $35/month for washer dryer rental?

B4Xt3r wrote:
Sat Mar 24, 2018 1:30 pm

Or a used washer and dryer for 150 bucks. 1000 dollars to lease equipment for 3 years? Nope.
This is what I would have done while renting.
by macheta
Sat Mar 24, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5604

Re: Help needed before I go mad :D

A lot of people lost money last week. The market will be down next week based on the current premarket . Don't sell during this time and mitigate your exposure from individual equities by using mutual funds. Take the this as a lesson and learn from the mistakes. I have a hard head and tend to learn ...
by macheta
Sun Mar 11, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40163

Re: [What UN-frugal thing do you do? What do you splurge on?]

My splurging is mostly on dining and sporting activity.
by macheta
Sun Mar 11, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 6889

Re: 25YR old with considerable amount of cash

I'm sorry for your loss. I would invest it and try to live off the interest. Keep the bills low and spend more time with my family instead of working.
by macheta
Sun Feb 18, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Switching to Gov't Bonds as you get closer to retirement?
Replies: 6
Views: 814

Re: Switching to Gov't Bonds as you get closer to retirement?

What I did is I compared the different bonds using historical data. What does the data look like and is it something I was looking for? Some bonds have more corporate vs government. Some of them do better hedging interest rates but overall returns are very low. Because I still have twenty two years ...
by macheta
Sat Feb 10, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7879

Re: Financially secure, horrible workplace but just can't FIRE

The only reason why I am staying in a horrible workplace is because the high pay / benefits outweigh the need of having job security. I plan to wait it out and save as much as possible. I plan to start a new career after getting laid off. Maybe horrible is a bad word to explain the situation. My cur...
by macheta
Sat Feb 03, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9044

Re: What advice would you give yourself if you were 27 again?

What advice would you give yourself if you were 27 again? Nice job investing consistently for nine years. I would maybe take more direction towards learning to be a leader and improve communication. There are many interpersonal situations I didn't do so well in my career. I was lacking key skills.
by macheta
Sat Feb 03, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9044

Re: What advice would you give yourself if you were 27 again?

Pajamas wrote:
Thu Feb 01, 2018 6:16 pm
Say "yes" more often.
Say no more often
by macheta
Mon Jan 29, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1708

Re: Home Alarm Systems

Another point of information for LiveWatch (and presumably the other Alarm.com based systems) is that you can set up geofencing alerts. My wife invariably forgets to set the system nearly every weekday . . . and as soon as both of our phones our beyond a .5 or 1 mile perimeter of the house, we get ...
by macheta
Mon Jan 29, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1708

Re: Home Alarm Systems

"..but I think the cell phone service is overkill. " What would you use if not cell phone? (cable(voip) and telephone wires are easily cut) :happy Alarm is only a deterrent. If I was going to rob your house and new about the internet setup, I probably would know also about the cell phone setup and ...
by macheta
Sun Jan 28, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1708

Re: Home Alarm Systems

One additional point, I recommend setting up VOIP phone service. Setup backup power for the modem, router, and VOIP device as well.
by macheta
Sun Jan 28, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1708

Re: Home Alarm Systems

I would hire a small business owner to install the alarm. And I would have AlarmRelay monitor it for you at 10 per month. I would recommend getting a glass break sensor, and smoke/heat detector connected to the system. I recommend getting a backup power system but I think the cell phone service is o...
by macheta
Mon Jan 15, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1890

Re: best flooring for a basement wood shop?

Bamboo flooring
by macheta
Sun Jan 14, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44633

Re: What frugal thing did you do today?

I did away with a land line years ago. . I would get rid of cable all together if it weren’t for the phone and internet. I have a family plan through my employer at $10/mo on the cell phones and still have the kids on it...and their in their 30’s. (Yes, they do reimburse me for the monthly). We don...
by macheta
Sun Jan 14, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44633

Re: What frugal thing did you do today?

i cancelled my monthly yoga. I can do it at the gym instead.
by macheta
Sat Jan 13, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1673

Re: Storing Important Documents Online

I encrypted my files before upload. The idea of having a backup files in the cloud being able to access it from different computers is better than playing it safe. How you manage your information is important. For me the probability of someone hacking the encrypted Microsoft cloud seemed low. The pr...
by macheta
Fri Jan 05, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 44633

Re: What frugal thing did you do today?

We got a motion sensor for the bathroom. prior, we had a lamp on all the time.
by macheta
Sat Dec 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 10260

Re: Amount You Need To Save Annually Over Lifespan

I'm not sure I need two million or four million. My biggest concern is the inflated cost of medical. I am budgeting $21,108 per year in tomorrows inflated view for medical or $6500 in todays view . This estimate takes into consideration estimate of Medicare Parts A, B, and D, a Medigap policy, and a...
by macheta
Sat Dec 02, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6128

Re: How do I convince my employees to invest more?

I would maybe recommend sending out an informative email about the retirement plan. I would recommend trying to keep it short and concise.
by macheta
Sun Nov 26, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10865

Re: What did you do right?

1) started investing eight percent of my income when I was eighteen with matching contributions from the Corp. (20 yrs ago)
2) started reading and learning on this forum in 2012
by macheta
Wed Nov 01, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 106469

Re: To take or not to take delivery of Tesla 3

The Tesla 3 is a very impressive vehicle and company. Recently, I turned down a position at the Tesla plant because the cost of living was too high in the area. I would buy another vehicle which had a proven reliability and service If I had sixty thousand dollar budget . There are a lot of people ta...
by macheta
Sun Oct 22, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 4989

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Most likely a stressful confrontation would occur if she ignored the email or responded with no. I would just let the insurance deal with the problem.
by macheta
Fri Oct 20, 2017 1:52 am
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3350

Re: Pant Recommendations (Business Casual)

i always spend a lot of time trying on clothes before buying them. Just because I know my size doesn't mean the clothes will fit and be comfortable.
by macheta
Sun Sep 17, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 5122

Re: Buying nightguards (teeth grinding)

I use the five dollar ones in the sporting good stores. I usually cut around the top since I don't need the gum guard so high up. I boil them for thirty seconds after cutting the guard down. Finally, I fit the boiled guard into my mouth. Every couple of months I forget it somewhere and my dogs destr...
by macheta
Tue Sep 12, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 12518

Re: The 10 year car ownership "rule"

I've had my scion for six years and I have about sixty thousand miles so far. I would like the get at least 200k before I buy a new vehicle. Lately , I have been putting money into the vehicle to make it look better. For example, I had someone come out and clean and polish the rims. I'm going to get...
by macheta
Sun Sep 03, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 2270

Re: Hardwood floors warping?

We had a leak in the roof caused our engineering wood flooring to warp. The oak was peeling off the underwood. I peeled the warping wet oak wood off and straightened the wood while it dried. I straightened it by clamping the wood between two flat pieces of wood. After it dried I reapplied the straig...
by macheta
Sun Aug 13, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4904

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 6180

Re: PayPal - Any Disadvantages?

I just updated my paypal account to make it more secure. I activated the following: "Set up a PayPal Security Key by entering a one-time pin that’s unique for each login. This gives you a second authentication factor whenever you log in to your account. That’s fancy talk for a super secure account!"...
by macheta
Sun Aug 13, 2017 2:25 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4904

Re: Cheapest way to upgrade iPhones ?

Cricket has new iPhone 6 32gb for $299. I think the 6s is a better phone. 7 dropped the headphone jack which is interesting. Swappa.com is a place I monitor. 229 for the SE or 299 for the 6.The virgin mobile is a better deal though by about a three hundred bucks if you compare prices including the ...
by macheta
Sun Aug 13, 2017 2:15 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 3068

Re: For those switching to Chrome from Firefox

I have been using Chrome since it started. The browser now uses too much resources and causes a lot of problems similar to Internet Explorer. I actually am starting to use FireFox now since I like the VPN feature.