Search found 308 matches

by mnsportsgeek
Sun Nov 01, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Toyota Rav4 or Subaru Forrester
Replies: 48
Views: 3738

Re: Honda CRV, Toyota Rav4 or Subaru Forrester

We own a 2019 CR-V and are happy with it. I’d say my only complaint is the infotainment system navigation isn’t very well thought out.
by mnsportsgeek
Thu Oct 29, 2020 7:22 am
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20384

Re: What’s “your number” for each kid’s 529?

I don't have a particular number in mind. I know it likely won't fully fund a private education, but I'd like to help out as much as I can. We'll see where we're at in 17 years. Currently sitting at 7k, but I don't expect to continue contributions at this rate. Trying to get compound interest to wor...
by mnsportsgeek
Sun Oct 18, 2020 8:48 am
Forum: Personal Investments
Topic: Should We Ever Save for Children's College?
Replies: 467
Views: 30173

Re: Should We Ever Save for Children's College?

I personally don't agree with the advice to max out all tax-advantaged retirement savings before contributing to college savings. You can live a very comfortable life in retirement without maxing out 2 401Ks, 2 Roth IRAs, and an HSA. We save 20% of our gross income towards retirement, and I don't ha...
by mnsportsgeek
Sat Oct 10, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Best Apple Watch for Jogging & Podcasts
Replies: 26
Views: 2063

Re: Best Apple Watch for Jogging & Podcasts

I’d look into the SE. Brand new and has all the core features most people will want in an Apple Watch.
by mnsportsgeek
Sat Oct 03, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Music Streaming Services
Replies: 48
Views: 4413

Re: Music Streaming Services

Team Apple Music here. Integrates perfectly with my Apple TV, iPad, Mac, HomePod, iPhone, and Apple Watch.
by mnsportsgeek
Tue Sep 15, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3228

Re: What is the best company for auto/property/renters/umbrella insurance?

I've been happy with Geico outside of renters insurance. When I used to own a home, Geico (Liberty Mutual) home owners insurance was pretty competitive . However, when I got quoted for renters it was obnoxiously high, so I went with State Farm for renters. So right now I only carry Umbrella and Auto...
by mnsportsgeek
Mon Sep 14, 2020 8:20 pm
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7631

Re: How much are your 529 Contributions

When my kid was born I started contributing $200/month plus any extra that I don't spend in childcare that I have budgeted. I don't know why I picked $200. It was what I could comfortably afford while still achieving my goal of 20% savings for retirement. If circumstances allow me to save more in th...
by mnsportsgeek
Sun Sep 13, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have a Net Worth in the 1% by age?
Replies: 42
Views: 5277

Re: Anyone have a Net Worth in the 1% by age?

I guess I’m in the 1% right now by sheer coincidence, but we also don’t own a home yet so we have down payment money propping us up a bit as far as this chart is concerned. The chart doesn’t really make a lot of sense with 18-24s having a higher net worth than 25-29, so I’m not sure how accurate it ...
by mnsportsgeek
Sun Sep 13, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Best Streaming Service
Replies: 24
Views: 2152

Re: Best Streaming Service

This is a very broad question. Are you trying to watch live TV networks? Or do you just want the most good content for your buck? Live TV Options: YouTube TV, Fubo, Hulu + Live TV, and Sling are all viable options. YTTV, Fubo, and Hulu are all pretty similar. Sling is more budget friendly but at the...
by mnsportsgeek
Sun Sep 13, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: FuboTV, or other NFL Options?
Replies: 14
Views: 1129

Re: FuboTV, or other NFL Options?

For legal options, your only choice for live is SundayTicket or you could get the cheaper NFL GamePass if you don't mind watching on tape delay. AT&T's deal with the NFL ends after this year so hopefully out of market NFL games are more accessible starting next season. Maybe even a little cheape...
by mnsportsgeek
Fri Sep 11, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Apple’s iCloud Keychain?
Replies: 19
Views: 2056

Re: Apple’s iCloud Keychain?

Tonygis wrote: Wed Sep 09, 2020 10:25 pm I have tried 1password as a password manager and I had issues with it. I use my IPad and IPhone for 95% of the time. Are there any red flags with Apple’s iCloud Keychain? Thanks
It'll be a real pain the 5% of the time you're not using those devices.
by mnsportsgeek
Mon Sep 07, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2321

Re: Dental Insurance

We don't have dental insurance. Our teeth are good, and we can easily afford the periodic cleanings, x-rays, and exams. If your oral health is very bad, you might consider dental insurance (at least for a while). Otherwise, it's generally not a good purchase, IMHO. Our dental is cheaper than the co...
by mnsportsgeek
Mon Sep 07, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Did your car insurance premium drop recently?
Replies: 37
Views: 2182

Re: Did your car insurance premium drop recently?

I wish. My state just passed car insurance “reform” that lets people drop PIP coverage, so if you keep PIP then your premium went up. PIP pays much higher reimbursements than health insurance for the same care. Making PIP optional will have the effect of cutting reimbursements, but it does not requ...
by mnsportsgeek
Mon Sep 07, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2321

Re: Dental Insurance

We don't have dental insurance. Our teeth are good, and we can easily afford the periodic cleanings, x-rays, and exams. If your oral health is very bad, you might consider dental insurance (at least for a while). Otherwise, it's generally not a good purchase, IMHO. Our dental is cheaper than the co...
by mnsportsgeek
Sun Sep 06, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Did your car insurance premium drop recently?
Replies: 37
Views: 2182

Re: Did your car insurance premium drop recently?

I wish. My state just passed car insurance “reform” that lets people drop PIP coverage, so if you keep PIP then your premium went up.
by mnsportsgeek
Sun Aug 30, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15447

Re: charging an EV

I recently got a long-range (315 mile) Tesla and love it. So far I've only charged at home, and for local trips a charge will easily last a week or more. But you do need to think about where you want to go. The company advises routinely charging the battery only to 90 percent to extend its life, an...
by mnsportsgeek
Sun Aug 30, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Removing a White Oak from Side Yard
Replies: 36
Views: 2168

Re: Removing a White Oak from Side Yard

As others have said, get a couple quotes and make sure the company you choose has adequate insurance.

Then just write the check :happy
by mnsportsgeek
Sat Aug 29, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Itching for AirPod Pro
Replies: 32
Views: 2800

Re: Itching for AirPod Pro

I’m a heavy apple user. I use two pairs of wired headphones on a daily basis: one for my Mac and the other for my iPhone. They work fine but make my desk messy. I tried the regular AirPods which don’t stay in my ear :( I also thought about cheaper no brand alternatives but I don’t want to be asked ...
by mnsportsgeek
Thu Aug 20, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Simplisafe in 2020
Replies: 25
Views: 2857

Re: Simplisafe in 2020

I bought Simplisafe because they promised HomeKit support was coming. That turned out to be a lie. I won’t fall for that trick again.
by mnsportsgeek
Tue Aug 04, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Any good deals on TVs?
Replies: 12
Views: 643

Re: Any good deals on TVs?

https://www.bestbuy.com/site/tcl-40-class-led-3-series-1080p-smart-hdtv-roku-tv/6302321.p?skuId=6302321 https://www.bestbuy.com/site/insignia-40-1080p-hdtv-led/6398122.p?skuId=6398122 TCL is a good budget brand. They get good reviews mostly. Is TCL better quality than Insignia in your opinion? I wo...
by mnsportsgeek
Mon Aug 03, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 9034

Re: What Car Maintenance Do You Do?

I’ll do air filters, but usually if I tell them that I’ll put them in myself the tech just takes care of it anyways.

I’ve done brakes and spark plugs in the past, but I don’t care to take the time these days.
by mnsportsgeek
Fri Jul 31, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 12087

Re: Does a couple really "need" an SUV?

I managed just fine without an SUV before a kid. Everyone’s needs are different. The couple that goes camping and fishing every weekend probably would enjoy an SUV. A couple living in suburbia without an extensive outdoor hobby probably doesn’t need one. With the ease of renting a pickup truck these...
by mnsportsgeek
Mon Jul 27, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3: Leasing the way to go?
Replies: 30
Views: 3284

Re: Tesla Model 3: Leasing the way to go?

Your logic is sound IMO. Electric cars are going to start rolling out on the regular in the next 3-5 years, and Tesla is pretty low in terms of reliability ratings right now. If the numbers are at least in the same ballpark in terms of buy vs. lease, I would lean towards lease right now. If it’s a m...
by mnsportsgeek
Mon Jul 27, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: MacBookPro screen replacement
Replies: 7
Views: 702

Re: MacBookPro screen replacement

Wait for it to hopefully come back in stock here: https://www.ifixit.com/Store/Mac/MacBook-Pro-15-Inch-Retina-Late-2013-Mid-2014-Display-Assembly/IF117-029?o=4 Otherwise you could try buying a dead MacBook on eBay with a good screen. A Mac requiring a logic board replacement may be able to be had fo...
by mnsportsgeek
Sat Jul 25, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Braces-really necessary?
Replies: 6
Views: 677

Re: Braces-really necessary?

I’m convinced most orthodontic work is cosmetic while a small percentage is actually for health reasons.

But a perfect bite is a great thing to have, so Orthodontists get a lot of business.
by mnsportsgeek
Mon Jul 20, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5217

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

It really depends on the kids. If they like their car seats and have toys to play with, it’ll be no problem. I’d recommend using a car that your wife can sit in the middle or in the back with the kids if they get antsy.
by mnsportsgeek
Sun Jul 19, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: For 60k, a X5 or Tesla model Y?
Replies: 63
Views: 6605

Re: For 60k, a X5 or Tesla model Y?

I’d go electric every time. Once you drive one, any ICE car is boring.
by mnsportsgeek
Sun Jul 19, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Renting after owning?
Replies: 46
Views: 3761

Re: Renting after owning?

Not 10-20 years, but I owned a home for 1 year before going back to renting. Job relocation. At first I loved it. No maintenance, my weekends were mine again. Our neighbors were great. Then 1 of the neighbors moved out and got replaced with a couple who yells and a screams a couple times a week. Nee...
by mnsportsgeek
Sun Jul 19, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Electrical upgrades for a new build home
Replies: 60
Views: 4173

Re: Electrical upgrades for a new build home

Dear Bogleheads, We are buying a new build home in California (San Luis Obispo). We currently live in the SF Bay Area, but will move to SLO when we retire in a few years. The new house is being built and I am perplexed by the number of upgrades the builder has to offer. We are trying to keep most t...
by mnsportsgeek
Thu Jul 16, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6510

Re: Anyone else love this new working from home thing?

Not me. I like leaving my house.
by mnsportsgeek
Thu Jul 16, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: When do you consider your children to be successfully launched?
Replies: 31
Views: 1917

Re: When do you consider your children to be successfully launched?

My child graduated in May. She just moved into a new apartment out of state, to start her new career in August. We’ve been able to give her a lot of help and support along the way. Once she actually starts her job, and starts getting health care coverage through her own employer, I will consider he...
by mnsportsgeek
Tue Jul 14, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Sudden loss in battery life: iPhone 7
Replies: 30
Views: 1792

Re: Sudden loss in battery life: iPhone 7

You’d battery is likely failing. If your iPhone 7 is still on it’s original battery, it isn’t “not too old.” It’s ancient.
by mnsportsgeek
Fri Jul 10, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6192

Re: TPMS(tire pressure monitoring system) lifespan

I’m not sure why active TPMS sensors are still so popular. Passive systems get the job done by monitoring wheel speed and don’t require extra sensors. My wheel speed system doesn't have very accurate resolution compared to the sensor-equipped cars I've rented. But it would be okay with me. Ya, they...
by mnsportsgeek
Fri Jul 10, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6192

Re: TPMS(tire pressure monitoring system) lifespan

I’m not sure why active TPMS sensors are still so popular. Passive systems get the job done by monitoring wheel speed and don’t require extra sensors.
by mnsportsgeek
Thu Jul 09, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Apple Airpods vs. Airpods Pro?
Replies: 33
Views: 2360

Re: Apple Airpods vs. Airpods Pro?

I have used both and I prefer the AirPods Pro. The noise cancellation is enough that it makes them much more usable in louder environments like a gym or airport without being bulky. The original AirPods were great for home/office use and outdoor use, but were pretty much useless without cranking the...
by mnsportsgeek
Mon Jul 06, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17522

Re: YoutubeTV subscription now $64.99/month

For cable just do the 2 year swap. My name for 2, spouses name for 2...rinse repeat. Get all the specials this way. Just don't do it if your email addy is tied to the account. You will lose it when you cancel it. That’s what we do. Takes about an hour or 2 every 2 years. And I’m paying less than wh...
by mnsportsgeek
Sun Jul 05, 2020 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Manager vs. Direct report salary issues
Replies: 151
Views: 10853

Re: Manager vs. Direct report salary issues

I think this is more common than you might think. Especially if there is a large age gap. Some people have been working level and getting raises with their annual reviews for 40 years which adds up. It's pretty common for a younger manager to make less than their older direct reports. Not sure if th...
by mnsportsgeek
Sat Jul 04, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 7161

Re: FYI - Disney+

My 5-year old son and I are excited to watch Hamilton on Disney+. My wife and I saw it in the theatre before I knew all the songs. I’m assuming Hercules Mulligan will cut out the one “bad word” that he says in the theatre, or I’ll mute it quickly when I know it’s coming. The F bombs are all changed...
by mnsportsgeek
Sat Jul 04, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 7161

Re: FYI - Disney+

We watched Hamilton on Disney+ last night. Really well done filming. I loved seeing it in person, but seeing it up close and with closed captioning was well worth the 2nd watch. You got so much more detail in facial expressions that you don’t get sitting in any of the reasonably priced seats in the ...
by mnsportsgeek
Sat Jul 04, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 121
Views: 7560

Re: New 4K TV: LED, QLED or OLED?

I know OP has made his decision, but Vizio just entered the OLED game for those using this thread for suggestions. It’s not shipping till fall, and I’d wait for the RTings review before pulling the trigger. It is nice to have another player in the OLED market even if they’re all using LG panels. It’...
by mnsportsgeek
Fri Jul 03, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Need home printer suggestions
Replies: 29
Views: 1490

Re: Need home printer suggestions

100% get a laser printer. Choose features and price that meet your needs.

Up front costs are higher but the headaches are significantly reduced.
by mnsportsgeek
Thu Jul 02, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Terminating a lease
Replies: 10
Views: 1176

Re: Terminating a lease

Like others have said, read the lease. Every lease I’ve signed had a cancellation fee of 1-2 months rent.
by mnsportsgeek
Thu Jul 02, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1496

Re: iPhone 7 battery not staying charged full day....

I mean, no, battery degradation is no more planned obsolescence than your brake pads wearing or a well worn short starting to fray. when apple throttled the processing speed of older phones to run appropriately with the natural decay of battery, so users wouldnt get sudden shutdowns or other issues...
by mnsportsgeek
Thu Jul 02, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1216

Re: Inexpensive Basic Microphone for Zoom

Since we’re recommending AirPods I’ll throw out something in that price range that doesn’t require you using earbuds for hours at a time if you find that uncomfortable. These are standard issue in my office’s smaller conference rooms and they are excellent: https://www.dell.com/en-us/work/shop/jabra...
by mnsportsgeek
Wed Jul 01, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7867

Re: does anyone have a subscription to youtube tv?

I like YTTV but that is a big price increase. And there was one last year. A 30% increase is a lot. I don't need/want the new channels I am going to be evaluating other options....likely Sling. Or getting rid of cable channels altogether. They charge tax on it where I live so YTTV will be over $70/...
by mnsportsgeek
Wed Jul 01, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17522

Re: YoutubeTV subscription now $64.99/month

For cable just do the 2 year swap. My name for 2, spouses name for 2...rinse repeat. Get all the specials this way. Just don't do it if your email addy is tied to the account. You will lose it when you cancel it. That’s what we do. Takes about an hour or 2 every 2 years. And I’m paying less than wh...
by mnsportsgeek
Wed Jul 01, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17522

Re: YoutubeTV subscription now $64.99/month

We dropped DirecTV a few months ago because we just didn't watch. I was planning to get YouTube TV in the fall for college basketball and football. I will now be getting either Sling or Hulu. Internet costs us $60/month. I am not willing to pay more than about $100/month for internet and TV. If you...
by mnsportsgeek
Tue Jun 30, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7867

Re: does anyone have a subscription to youtube tv?

I’m frankly not surprised with what we’re seeing out of these IPTV providers. Vue went belly up, and now we’re seeing Hulu and YTTV raise their rates to near cable prices. YouTube TV $35 at launch was an incredible value and was almost certainly a money suck for Google. They had to increase prices a...