Search found 522 matches

by wfrobinette
Sun Sep 17, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

Read up on 256 QAM and it's benefits to gigabit LTE. we are getting a bigger pipe that can handle more data at higher speeds. Your thinking about this from a single or a few end points. Like I said have your entire office start streaming 1080p content or have someone start downloading a TB file and...
by wfrobinette
Sat Sep 16, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

So if apple won't enable the chip then whats the use? I"d be a really upset consumer if I got the intel chip and apple decided to open up the qualcomm chip. I disagree that it matters only to spec geeks. It matters to anyone on a network. Less congestion due to a bigger pipe benefits everyone. Nobo...
by wfrobinette
Fri Sep 15, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

You're right faster LTE chips won't do anything. However, a gigabit LTE chip will. They are getting 120MB+ speeds in real world scenarios with the S8 now. In a controlled test they got near 1000MB with that phone. FYI - All major carries have been building out gigabit LTE since early 2017. This lin...
by wfrobinette
Fri Sep 15, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

To The human mind can only go so fast. If my app opens in 500 ms and will open in 250 ms in the next phone will that really be noticeable? How about when it goes from 125ms to 60 ms? Frankly I'd rather them increase storage and it's access time and battery life before speeding up processing tasks. ...
by wfrobinette
Fri Sep 15, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

The human mind can only go so fast. If my app opens in 500 ms and will open in 250 ms in the next phone will that really be noticeable? How about when it goes from 125ms to 60 ms? Frankly I'd rather them increase storage and it's access time and battery life before speeding up processing tasks. In ...
by wfrobinette
Fri Sep 15, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

Network speed certainly is important. If the request can happen much faster on the network then more bandwidth is available for additional requests thereby increasing throughput for everyone. Lets be real on processor speed here. Chips for PCs and servers have stopped moving beyond a certain clock ...
by wfrobinette
Fri Sep 15, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

The human mind can only go so fast. If my app opens in 500 ms and will open in 250 ms in the next phone will that really be noticeable? How about when it goes from 125ms to 60 ms? Frankly I'd rather them increase storage and it's access time and battery life before speeding up processing tasks. In ...
by wfrobinette
Thu Sep 14, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Help! - How to improve small company 401k?
Replies: 19
Views: 1852

Re: Help! - How to improve small company 401k?

Howdy Bogleheads, Dear Wife recently started a new position with a small (50ish people) engineering firm. The benefits are solid to good - appropriate salary, lots of vacation, passable health insurance. Pretty close to home, too, so even the commute is painless. But the 401k... the expectation of ...
by wfrobinette
Thu Sep 14, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

This is what ticks me off. Spend $700 on a new phone and then a few years later they make it obsolete with updates even though the hardware is still working fine. My wife just ordered a refurb 6S 128G for $469. Maybe she's better off just buying a new 8 64G for $699 and not having to worry about it...
by wfrobinette
Thu Sep 14, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Getting appraisal on house BEFORE applying for refi?
Replies: 6
Views: 627

Re: Getting appraisal on house BEFORE applying for refi?

The bank will only accept the appraisal from the appraiser they've hired. If you're that close, wait a year to avoid wasting money only to be denied. True but the way I understand it is that the banks don't have much of a choice who they get. It's a round robin next one up kind of thing now. My las...
by wfrobinette
Thu Sep 14, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How much does my commute cost me?
Replies: 15
Views: 1990

Re: How much does my commute cost me?

Have you thought about the 100 minutes of your daily life that could be used for web browsing, paying bills, reading, texting, bogleheading, ..., that you lose by driving? Also the 1.5 miles is so close that you could probably walk most of the time. While I'm a cyclist, walking has its benefits, to...
by wfrobinette
Thu Sep 14, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 5145

Re: Milestone Reached - "Quarter Millionaire!"

I officially crossed over 250k in investments this week (My net worth is actually closer to 370 or more, but that number depends on the value of my home)! I know it's not much compared to many on this forum, but it's a big step for me considering how much debt I've paid off over the last 1-2 years ...
by wfrobinette
Thu Sep 14, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12045

Re: Anyone else freeze their credit score?

The Equifax hack was the straw the broke the camel's back. I froze my wife's and my credit at the 3 major bureaus and Innovis. It's going to be a pain to unfreeze it when we apply for a mortgage, but that is the life we live in now-a-days. Anyone freeze their credit? Blue Man It's quite easy to unf...
by wfrobinette
Thu Sep 14, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...
by wfrobinette
Thu Sep 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

Believe it or not. On ATT I tried to buy my phone outright. If I made that choice I would lose out on a $20/month service credit. Forced me in to a Next agreement. I guess they try to use that as a 2 year lockin. I'm not sure what that would have been about. We receive a $20/month service credit fo...
by wfrobinette
Wed Sep 13, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2345

Re: Experian - credit freeze and credit card hacked

4. I am saying: send the freeze requests CERTIFIED MAIL to avoid putting your credit card "out there" in cyberspace. I hope that is a more concise and serves as a warning for other bogleheads. Any advice would be appreciated as well, but for now, I don't know what else to do other than put the free...
by wfrobinette
Wed Sep 13, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

Where does it say that carrier subsidies have ended? Hasn't Verizon (for instance) always taken the purchase price of the phone, divided by 24, and included that amount in your two year contract? I don't know personally since I buy my phones outright lately... Subsidies were back when phones were '...
by wfrobinette
Wed Sep 13, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26383

Re: Iphone X is $1000

topper1296 wrote:
Tue Sep 12, 2017 3:27 pm
I'm not a "tech" junkie, however the X just sounds like a more expensive version of the Samsung Galaxy s8 which also has no home button and facial and iris recognition.

Edit: forgot to add, but the Samsung also has wireless charging.
And support for next generation LTE.
by wfrobinette
Tue Sep 12, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 5277

Re: Is Amex Platinum worth the high fees?

I just heard on the radio the other day that only 10% of people use their air miles. Can't imagine payng for a credit card. No matter what they offer. Most don't use because they never get enough miles to get a free ticket. The last I checked I couldn't find anywhere to use my 25k miles I have at A...
by wfrobinette
Tue Sep 12, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: How often to exercise Future Increase Option for Disability Insurance?
Replies: 3
Views: 613

Re: How often to exercise Future Increase Option for Disability Insurance?

I have Disability Insurance through Guardian, and every year I wonder whether I should increase my coverage through the Future Increase Option (FIO)? Is it worth it to do this every year if possible? If not, how much should you wait for your income to increase before you exercise it? I did it a yea...
by wfrobinette
Mon Sep 11, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25908

Re: Name something you had to have and now you regret purchasing it?

House with a pool. Since I stink at maintaining it and turned the water green we hire out for $170/month ($2040/yr) plus incidentals ranging from $50-$200/yr. In the last 5 years we had to re-line the pool and replaced the motor costing about $10k plus the extra electricity I figure in these 5 year...
by wfrobinette
Mon Sep 11, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7819

Re: Equifax - credit freeze is now free?

Today I requested a credit freeze from each of the big 3 (experian, transunion, equifax). Based on my state of residence, I was expecting to pay $10+ for each request. However, both my wife's and my own freeze at Equifax were processed without ever asking for payment. For both of the other websites...
by wfrobinette
Mon Sep 11, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3920

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

From what I understand the fraud is not sniping your refund. It's using your or a dependents SS# to file a bogus return with made up W2 info and made up dependents. While it's good practice to adjust w4 to have as close to zero tax liability as possible it doesn't stop tax ID fraud. How would that ...
by wfrobinette
Mon Sep 11, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36629

Re: Can't freeze credit at Experian?

After the recent Equifax hack - both my wife and I were on the list, according to their site - we decided to freeze our credit reports at all 3 bureaus. Note that I live in a state where there is no charge to freeze or unfreeze your credit reporting. We were both able to do the freeze online at bot...
by wfrobinette
Mon Sep 11, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 6107

Re: Purchasing Home With Girlfriend; Good or Bad?

Another pitfall is you may have to sell the house in a hurry and at a loss if you break up. I would keep it simple and rent a house together until the ink is dry on the marriage license, then buy. Seeing how 40% or more marriages end in divorce, I don't think it eliminates the problem just simplifi...
by wfrobinette
Mon Sep 11, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Am I overinsured on my autos?
Replies: 20
Views: 1693

Re: Am I overinsured on my autos?

JBTX wrote:
Sun Sep 10, 2017 5:19 pm
Get some bids and make the switch. $1200+ per 6 months is robbery.
Not if you live in NJ.
by wfrobinette
Mon Sep 11, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I overinsured on my autos?
Replies: 20
Views: 1693

Re: Am I overinsured on my autos?

I would say you are underinsured on your limits and overinsured on the deductible. I'd say the same thing. $1000 ded minimum. 100/300 or 250/500 on liability min. Oh and I pay 2700 a year for a 2017 Q7 and a 2014 A5 in NJ(was 1250 in PA for same coverage) thanks to two comprehensive claims from hai...
by wfrobinette
Mon Sep 11, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3487

Re: New Mobile Phone number - Now hounded by Collection Agencies

Happened to my wife years ago. Frequency of calls gradually decreased to "only rarely" until she had to change numbers for other reasons. It will eventually improve (may take years), but if you want faster results you need to change numbers. And there is nothing to say that new number won't have th...
by wfrobinette
Mon Sep 11, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3920

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Aside from the standard I'D protection, arrange withholding/estimated taxes so you get a minimal refund. You could file early before you get all of your documents and then file an amended return, but I don't know if it would be worth the hassle. From what I understand the fraud is not sniping your ...
by wfrobinette
Mon Sep 11, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3903

Re: Should I do 20 or 25 Year Term Life Insurance?

One anecdote: In an office of 50 professionals, with some coming and going every year, there were two premature deaths of parents of young children in the last 7 years. Their survivors were glad to have the insurance. Exactly. If I met my demise my wife wouldn't have the skills or abilities to repl...
by wfrobinette
Mon Sep 11, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3903

Re: Should I do 20 or 25 Year Term Life Insurance?

I have next to no chance of being in a serious car accident in my lifetime (actually that's not true, but let's say it is for this purpose) but I always do up my seatbelt. When I go on holiday I have next to zero chance of needing emergency medical treatment. But I always buy travel insurance becau...
by wfrobinette
Tue Aug 08, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2747

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Casinos are charging you for floorspace. The lower you play the less often you can win. They do this by dropping the payout ratio the lower you pay. I have no idea what it is for a penny but expect something like nickels at 92.5%, quarters at 94.1%, dollars at 95.9%, and 5 dollar machines at 98.4%....
by wfrobinette
Tue Aug 08, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2747

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

I know they aren't slots, but I greatly prefer video poker to slots. Money seems to go on longer and it takes more time with some thought involved. Actually, video poker are slot machines in disguise. I can't really explain but it's what I've read. Yes but they do have a much lower hold % and if on...
by wfrobinette
Tue Aug 08, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 2747

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

runner3081 wrote:I know they aren't slots, but I greatly prefer video poker to slots. Money seems to go on longer and it takes more time with some thought involved.

Though, you can also make Pai Gow last a while at a cheap table downtown.
Video poker has the highest payout ratio.
by wfrobinette
Thu Aug 03, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2148

Re: Pool Maintenance Savings

Any experience with saline pools? I live in the Northeast and the wife and I are thinking of getting one (above ground) I have a salt pool. Best bang for the buck to get Chlorine in the pool. I like my salt pool as well. I love it. Curious as to what the "cons" are? Admittedly I have not looked int...
by wfrobinette
Tue Aug 01, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2148

Re: Pool Maintenance Savings

I know most of us are up for saving money where we can so I wanted to pass along some great info that is going to save me over $300/year. Trouble free pool(It a forum just like this place that wants to educate pool owners with no advertising and strict rules on posting for industry insiders )has a ...
by wfrobinette
Tue Aug 01, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2148

Re: Pool Maintenance Savings

fishmonger wrote:Any experience with saline pools? I live in the Northeast and the wife and I are thinking of getting one (above ground)
I have a salt pool. Best bang for the buck to get Chlorine in the pool.
by wfrobinette
Tue Aug 01, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2148

Pool Maintenance Savings

I know most of us are up for saving money where we can so I wanted to pass along some great info that is going to save me over $300/year. Trouble free pool(It a forum just like this place that wants to educate pool owners with no advertising and strict rules on posting for industry insiders )has a g...
by wfrobinette
Wed Jul 12, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7906

Re: Shopping for first bike since I was a kid

What is wrong with $99 - $200 bikes at target , Walmart or Kmart? I've been buying those my whole life and no issues with them. Might be fine for the OP, even though I don't recommend them. It's as said above - if you get one of these, at BEST it'll be a bike you 'tolerate' when the weather is perf...
by wfrobinette
Thu Jun 29, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 21222

Re: Buying house - Very important decision

Thanks everyone for helpful responses. As you all can see from my recent threads I opened in the forum, We are extremely nervous on home buying decision- scared that house prices may go up even higher and also rents may go up very high too. I agree our rent now is justifying not to buy house but wh...
by wfrobinette
Wed Jun 28, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: John Hancock won't let 401k be maxed?
Replies: 7
Views: 1284

Re: John Hancock won't let 401k be maxed?

My husband had to wait until July 1st to begin contributing to his company's 401k as he was not eligible at the early January sign up. The 401k is set up through John Hancock. Their online portal did not allow him to put in more than 1500 a month saying more than that is above the annual limit when...
by wfrobinette
Wed Jun 28, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 14676

Re: How did you handle the costs of your child's wedding?

The529guy wrote:Whenever I see sensational news stories about the "average" cost of a wedding in the U.S., I can't help but assume that the key driver is parents' desire to keep up with the Jones by having a "socially acceptable" level of extravagance per their friends and family.
And way too many guests.
by wfrobinette
Wed Jun 28, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 15
Views: 2104

Re: radon test kit

math22 wrote:Does anyone know of a reliable radon test kit or radon monitor?
https://www.rtca.com/

Best I've found and prices are reasonable ($23 each). Based in NY state. Same test the home inspectors use.

If you're in NJ you need a special kit.
by wfrobinette
Wed Jun 28, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Home insurance post-payoff?
Replies: 10
Views: 1240

Re: Home insurance post-payoff?

Note you should insure to the "replacement cost" value. That can be substantially more (and sometimes even less) than the "market/appraised" value How is replacement cost determined? I've actually been intending to look into replacement cost for my home. If I remember right, my policy is for replac...
by wfrobinette
Wed Jun 28, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2417

Re: swimming goggles

I used to swim a lot (ironman distance triathlons) and tried a lot of goggles and the best ones in terms of not leaking that I have ever seen are Aquasphere. Made in Italy, they are harder to find, but you can get them on Amazon. ETA: They are not cheap, it will be around $20 but worth every penny ...
by wfrobinette
Wed Jun 28, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 11
Views: 1089

Re: Cellular Data Usage

Is it possible Location Services is using data? Could you try disabling Location Services? Yes Location Services is enabled. I'll definitely disable that. Its now 1:45 pm and I'm now showing 15.3MB used in 7 hours. I have been away from Wifi but only made a 1 minute call. No texts sent, no apps run...
by wfrobinette
Wed Jun 28, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4214

Re: Do you buy phone outright or pay it off monthly...

And why? Very soon I will need to be replacing/buying three new iPhones, total cost nearly $2k. Options are to buy outright or spread the payments over 24 months (with no finance charge.) Really it's only a matter of "do you want to pay more up front or more each month" and my answer is usually to ...
by wfrobinette
Tue Jun 27, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 3363

Re: Got rear-ended: any reason not to go through my ins?

I was in a 3 car accident. I was in front, car behind me got hit by car behind him and slid into me. Last driver in line paid for my car and the one he hit. This is why I have high insurance limits plus an umbrella. Sometimes things just happen and you should be insured for it. (When I used to live...
by wfrobinette
Tue Jun 27, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 3363

Re: Got rear-ended: any reason not to go through my ins?

I was rear-ended yesterday, other driver got a citation/ticket, I got nothing. I believe she will try to fight it based on her comments "he cut me off without signaling". Is there any reason not to go through my insurance company? I have heard that my rates can go up if I go through my own ins even...
by wfrobinette
Tue Jun 27, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Need your help to pick life insurance carrier :)
Replies: 22
Views: 1769

Re: Need your help to pick life insurance carrier :)

To KT785: Very helpful advice :) Yeah. Life insurance is a new area to me. Need to do some research before picking the carrier. It's great to find bogleheads and ask questions! Some people suggest, instead of getting one policy, it's better to construct a ladder, or splitting the amount into multip...