Search found 996 matches

by pondering
Sun Sep 16, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3469

Re: Should I get a new iPhone?

phantom cosmonaut wrote:
Sun Sep 16, 2018 2:09 pm
pondering wrote:
Sat Sep 15, 2018 9:41 pm
We pay $217 a month for the 3 phones...
$5208 every two years for phones? You could buy a pretty decent car for that. :shock:
For the next 24 months I will pay:

4727.28 total
3258.72 service
1468.56 balance remaining on 3 phones
by pondering
Sun Sep 16, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2403

Re: Solar Install w/ SolarCity

Balefire wrote:
Sun Sep 16, 2018 7:07 am
pondering wrote:
Sat Sep 15, 2018 9:34 pm
Is there anything I can put on my roof that would tell me my generating capacity that doesn't cost a lot of money?
https://www.google.com/get/sunroof#p=0
Much appreciated!
by pondering
Sun Sep 16, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2403

Re: Solar Install w/ SolarCity

Is there anything I can put on my roof that would tell me my generating capacity that doesn't cost a lot of money? The SolarCity rep came to my house and took some pictures of the roof and anything tall enough to put shade on it (we have one tree near the house). He then put all the info into an ap...
by pondering
Sat Sep 15, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3469

Re: Should I get a new iPhone?

I got an 8+ on black friday last year. I have 16,849 items on my camera roll. I'm happy at the moment. My wife and mother in law got iphone 8's on a by one get one free deal that seems to run periodically. We pay $217 a month for the 3 phones, all financed, for 2 years. Then I have a few options for...
by pondering
Sat Sep 15, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2403

Re: Solar Install w/ SolarCity

Is there anything I can put on my roof that would tell me my generating capacity that doesn't cost a lot of money?
by pondering
Sat Sep 15, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

She loves shopping, and when grocery shopping goes well, it is a nice diversion.

The problem is our discount grocer, Aldi, frequently has stock outs, and redoing the dinner list for week is an unwelcome challenge after all the effort that goes into it.
by pondering
Sat Sep 15, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

Yes, the problem is that we spend more than we earn. Efforts to control both of our spending constantly get bogged down with a discussion of how much is available to spend. I've made budgets, but maintaining them, then being asked where we are only when a purchase came up seemed counterproductive. N...
by pondering
Sat Sep 15, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

So getting constructive feedback on the Internet is a problem?
by pondering
Sat Sep 15, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

Consider this, most spending is done in lumps. While you may budget say $2,500 a month spending, some months it may come in at $2,000 and some months it will come in at $3,000. The end result? You still spent $30,000 but not evenly over the course of a year. Our Lumps this year: Jan 5,024 Feb 3,760...
by pondering
Sat Sep 15, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

We had our best month since June! After terrible spending months in July and September we finally got our main credit card spending below $3000. I think having each other approve in advance discretionary purchases of over $20 is finally having an positive impact. I check on all spending most days o...
by pondering
Sat Sep 15, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

The twenty dollar rule revisited

We had our best month since June! After terrible spending months in July and September we finally got our main credit card spending below $3000. I think having each other approve in advance discretionary purchases of over $20 is finally having an positive impact. I check on all spending most days of...
by pondering
Thu Sep 13, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3740

Re: Is home alarm monitoring worth it?

I hope that part of the monthly monitoring fee goes to the police to ofset the costs of false alarms.
by pondering
Thu Sep 13, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8858

Re: Side Hustle Options/Suggestions.

Would you give up 50% of the revenue for a partner who would handle the business end? I don't know, I haven't thought about a partner. My main concerns are time to get it started and properly insuring myself. Then client demands when I already have a full time job. Id want to do bookkeeping only, n...
by pondering
Tue Sep 11, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8858

Re: Side Hustle Options/Suggestions.

Would you give up 50% of the revenue for a partner who would handle the business end?
by pondering
Tue Sep 11, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 95
Views: 8858

Re: Side Hustle Options/Suggestions.

If your hurdle rate is 15 an hour most side hustles will not be attractive.

Is risk more of an issue than amount per hour?
by pondering
Wed Sep 05, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Bank changing from a stand-alone mutual savings bank to a mutual holding company
Replies: 1
Views: 304

Bank changing from a stand-alone mutual savings bank to a mutual holding company

The main bank I use is trying to change from a stand-alone mutual savings bank to a mutual holding company. Does this make sense to any of you? Have you been through a transition like it? Would you vote for it? "Dear Valued Customer, Recently Dollar Bank began the process of reorganizing from a mutu...
by pondering
Tue Sep 04, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4136

Re: The future of my journals and logs

Does anyone have an estimate in time or money for how much it will cost to scan 100 pages?
by pondering
Tue Sep 04, 2018 12:55 am
Forum: Forum Issues and Administration
Topic: How to delete a post / topic
Replies: 5
Views: 1536

Re: How to delete a post / topic

Removal of something someone has written should not be optional. If the site wants to keep the comment thread alive then someone should be able to post a summary of the removed material.
by pondering
Mon Sep 03, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4136

Re: The future of my journals and logs

There are several places online you could store electronic copies of your journal. I hope you consider that option.
by pondering
Mon Sep 03, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Word document format/numbering question
Replies: 6
Views: 587

Re: Word document format/numbering question

Have you tried using the macro recorder?
by pondering
Mon Sep 03, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3264

Re: Nanny online payment services - why are they so expensive?

Being on call is not overtime pay, while additional hours would be paid at the overtime rate. Whether nonexempt employees must be paid for their on-call time depends on whether they are "waiting to be engaged" or are "engaged to wait" as defined by the Fair Labor Standards Act (FLSA). Source: https:...
by pondering
Sat Sep 01, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3836

Re: The twenty dollar rule

I need a like button for that remark :)
by pondering
Sat Sep 01, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3264

Re: Nanny online payment services - why are they so expensive?

Is there a cheap way to reach the people who want this service? I would guess low cost customer acquisition might be a problem in this market.
by pondering
Sat Sep 01, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3836

The twenty dollar rule

To substitute for a budget I asked my wife to tell me before every time she spent more than $20 on groceries or things she needed for work. These are the purchases she deferred or skipped this month because of the rule: Aladdin pin, sandals, lots of clothes, necklaces for our elementary school daugh...
by pondering
Sat Aug 25, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7669

Re: Marriage [How should finances be handled?]

This is definitely a thread where I miss the like button that is on other discussion boards. There is a ton of good advise here. Money is complicated. Money wasn't as much a problem in my first marriage. Money is harder this time around. My favorite rule is to set a dollar amount above which you nee...
by pondering
Sat Aug 25, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: WiFi Router - Netgear AC750 or something better?
Replies: 24
Views: 1239

Re: WiFi Router - Netgear AC750 or something better?

I STRONGLY suggest getting a google wifi

Do you have any questions or concerns?
by pondering
Thu Aug 23, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10329

Re: I own 1,387 items!

Great item

It will be fun to do room by room.

Did you break it down that way?
by pondering
Wed Aug 15, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Plan us a trip !
Replies: 17
Views: 2091

Re: Plan us a trip !

It does sound like you’d like us to be your travel agent
by pondering
Sat Aug 11, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 44
Views: 5809

Re: Should I accept a large cash gift from my mother?

Can she provide you a loan at market rates and then forgive the interest payments?
by pondering
Sat Aug 11, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: How to get 2nd number on smartphone?
Replies: 22
Views: 2250

Re: How to get 2nd number on smartphone?

Has the call quality been good and consistent?
by pondering
Fri Aug 03, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3738

Re: New job commute

Podcasts

See if you can work 1 day a week remotely
by pondering
Fri Jul 20, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a cordless electric mower
Replies: 21
Views: 1822

Re: Looking for recommendations on a cordless electric mower

Thanks for the update.

I'm trying to figure out how these things do on slopes and if the 40 or 80V models matter.
by pondering
Fri Jul 20, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a cordless electric mower
Replies: 21
Views: 1822

Re: Looking for recommendations on a cordless electric mower

Do you have a update after a couple of years?
by pondering
Mon Jul 16, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3090

Re: Would you pay $120 for a 5 year dishwasher warranty?

I'll probably buy 5-10 more appliances in my lifetime. I'm still learning.
by pondering
Mon Jul 16, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 3090

Would you pay $120 for a 5 year dishwasher warranty?

I bought this dishwasher today:

https://www.whirlpool.com/kitchen/dishw ... 0pahz.html

and decided to buy the 5 year warranty for $120

Any thoughts?
by pondering
Tue Jul 10, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7295

Re: Walking Coast-to-Coast

Glad you made the journey.
by pondering
Mon Jul 09, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5650

Re: Should I take a $60k paycut to work 4days/week

Do you expect your future income to beat the rate of inflation?
by pondering
Mon Jul 09, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5650

Re: Should I take a $60k paycut to work 4days/week

Can I ask what your goals are short and long term?
by pondering
Sun Jul 08, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1886

Re: Checkbook balancing software?

Nice to read the thoughtful suggestions in this thread.
by pondering
Tue Jul 03, 2018 7:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14446

Re: Too much Bogleheads.org?

If you don’t pay attention to the moderators they can remove you for essentially not paying attention to the moderators.

If you stick to the topics you mentioned you will be fine.
by pondering
Tue Jul 03, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2334

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

Dropbox is my main backup right now. My photos go mainly to google photos and amazon prime photos I’m past a terabyte of photos, so only the last few years go to Dropbox. I’ll be watching videos to figure out where best to store them since they are metered on my photo storage. What other that photos...
by pondering
Tue Jun 26, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Getting Facebook Messages from a Scammer - need ideas
Replies: 12
Views: 1445

Re: Getting Facebook Messages from a Scammer - need ideas

Facebook sometimes blocks/removes people and sometimes it doesn’t
by pondering
Fri Jun 22, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 15090

Re: Is Amazon Prime worth it?

What amazes me about the whole situation is that I've been a customer since 2003, and I was told they couldn't do anything about it.
by pondering
Fri Jun 22, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 15090

Re: Is Amazon Prime worth it?

Aditi: I have checked and confirmed that, we have been charging you for $13.77 for Prime Paid Monthly.

That works out to 165.24 a year!
by pondering
Wed Jun 20, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1337

Re: SleepScore App

I’ve found that if I might charlie horse not having any blanket is a big benefit.

My charlie horses seem to happen after a run, either from dehydration or a salt imbalance.

Meditation seems to get me back asleep more times than not.
by pondering
Fri Jun 15, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1337

Re: SleepScore App

Has any tried a third party analysis of the data collected?
by pondering
Fri Jun 08, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4255

Re: Death - Prediction

B4Xt3r wrote:
Fri Jun 08, 2018 7:23 am
https://www.cdc.gov/nchs/nvss/mortality/lewk3.htm

Using the above data, I project a year of death + standard deviation. I have no reason to believe I won't be similar to the average.
Great link, thanks
by pondering
Sun May 27, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1441

Re: Computer RAM Prices

This is an interesting article about amazon's offerings:

https://techcrunch.com/2017/09/14/aws-n ... of-memory/