Search found 415 matches

by pointyhairedboss
Mon Nov 11, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Questions re mobile virtual network operators (MVNOs)
Replies: 7
Views: 363

Re: Questions re mobile virtual network operators (MVNOs)

I have never signed up directly with the big four. I have been an MVNO user for my entire cell life. I don't have any disagreement with most of the answers given so far. Some additional anecdotes: For my present (Red Pocket) and prior MVNO (Twigby), both good MVNOs btw, I contacted and interacted wi...
by pointyhairedboss
Wed Oct 23, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: BofA credit card compromised, but they won't say how
Replies: 15
Views: 1283

Re: BofA credit card compromised, but they won't say how

Likely that a merchant had its online security/credit card processing compromised, alerted the banks under the condition of anonymity, and the bank canceled the cards of every customer that had a transaction at that merchant during the relevant time range. If the bank doesn't agree to the anonymity,...
by pointyhairedboss
Tue Sep 03, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4972

Re: Some Computer Science Career Advise?

Another software developer here. Here are my axioms to having a good CS career. Companies do not always notice when an entry level dev has moved up to the next level. You sometimes have to job hop to be viewed and paid as something other than a junior dev Focus on maintaining a marketable skill set....
by pointyhairedboss
Wed Jul 10, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 3999

Re: Turkish Airlines ?

I had a so-so experience with Turkish Airlines. We were using Turkish Airlines to go from the US to Italy with a layover in Turkey. We bought the tickets quite a bit in advance. We were happy to have a small layover window. Something like 3 hours. At some point, Turkish Airlines switched our returni...
by pointyhairedboss
Mon Jul 08, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5926

Re: 2019 Subaru Forester Eyesight System?

I just bought a new Subaru Impreza with Eyesight. Love the adaptive cruise control feature. This alone is worth the price of Eyesight. Love the ability to set the trailing distance that determines when to adapt. Not yet a big fan of the lane departure assist. I found myself fighting with the steerin...
by pointyhairedboss
Tue Jun 18, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 10
Views: 1040

Re: FIOS cost after initial deal ?

I have found the two year price guarantee is usually just a restriction on you and not them. Sure, your base cost will freeze, but there are so many line items on the bill, they can just raise the price of another line item. Additionally, they never really inform me of a change in price. The price v...
by pointyhairedboss
Sun Jun 02, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4044

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

To prevent tracking, one easy thing you can do that will work on any browser and does not require any browser plugins is to disable 3rd party cookies. I am using a chrome plugin called cookie auto delete. The plugin will allow your browser page to accept all cookies, but the instant you leave the pa...
by pointyhairedboss
Fri Apr 05, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting Backup Offer on Home
Replies: 35
Views: 2585

Re: Submitting Backup Offer on Home

If you really want the house, and you were comfortable with your offer, I would definitely submit the same offer as a backup offer. You have nothing to lose. The seller may be disillusioned by the seemingly high prior offer that turned to be problematic and may want to avoid the hassle of putting th...
by pointyhairedboss
Tue Jan 08, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard to stop accepting purchases in Leveraged or Inverse mutual funds]
Replies: 145
Views: 10533

Re: More Nanny State From Vanguard

The term "nanny state" not only does not apply to Vanguard, it is very politically charged. Not cool here. Disagree, this term is being used in an investment context, not a political context. While some might not agree with poster's assertion, they knew what the poster was getting at. Its very obvi...
by pointyhairedboss
Thu Dec 27, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 4184

Re: Buying house - Advice requested

So hotrodz, just to clarify, did you make the offer in Texas directly to the homeowner or to the homeowner's (selling) realtor? If it was the latter, isn't that the conventional and common way of doing things if you find a property online? Meaning you simply make an offer to the listing realtor wit...
by pointyhairedboss
Thu Dec 27, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 4184

Re: Buying house - Advice requested

Also once a buy-side agent has been selected, is it recommended to do the open-house tour with the agent and not directly go by making a booking via redfin/zillow? Thank you! Yikes, be careful here. If you already have an agent, and you then visit a house with RedFin, or if you ask the listing agen...
by pointyhairedboss
Mon Dec 10, 2018 6:45 pm
Forum: Personal Investments
Topic: HAINX - Harbor International
Replies: 12
Views: 1283

Re: HAINX - Harbor International

A little background for those unfamiliar with Harbor International. Harbor International was one of those few actively managed funds that managed to outperform on a regular basis. Unfortunately, Hakan Castegren, the fund manager, died in 2010. The fund's performance has declined after Castegren's de...
by pointyhairedboss
Mon Dec 10, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1213

Re: Health Insurance through employer or third-party?

Option 5: Put all three of us on my work plan, but double-cover my wife with her grandfathered plan: $397.84 Do note, double coverage doesn't work as one might intuitively expect. You might expect to be able to use either plan for any given medical cost so long as you don't double charge. It doesn'...
by pointyhairedboss
Mon Dec 10, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance through employer or third-party?
Replies: 21
Views: 1213

Re: Health Insurance through employer or third-party?

Another question to ask...Are there coverage limits for the pre-ACA plan? Nearly every pre-ACA plan had lifetime coverage limits, often $1M. That’s one of the things ACA compliant plans can’t do. If the plan has a lifetime limit, how hard would it be to switch to an ACA compliant plan before the co...
by pointyhairedboss
Fri Dec 07, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5562

Re: Robot Vacuum Cleaner?

Jumping into the party a little late. I don't have a product recommendation, but based on my experience with a very old Neato robot vac, I have a few comments about what to look out for in a robot vac. The ideal robotic vac should not require much supervision. You want a vac that can be trusted to r...
by pointyhairedboss
Sat Nov 24, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 2509

Re: Best MVNO for Verizon Network - any updates?

Also, so far, the only things I know of that VZ has that others dont is the NFL pass and visual voicemail. While all carriers prioritize their own users over MVNO users, Verizon is notorious for deprioritization of MVNO users with data speeds limited to just 5 Mbps download and 2 Mbps upload. Latel...
by pointyhairedboss
Wed Oct 31, 2018 11:56 am
Forum: Personal Investments
Topic: Backdoor Roth for $ deposited in January
Replies: 5
Views: 329

Re: Backdoor Roth for $ deposited in January

I want to help her backdoor that money into a Roth IRA, but I’m not sure if we simply transfer $5500 to her Roth account from the tIRA, or call the brokerage and ask what the principal for that January deposit currently is, and transfer that amount. With all the market turbulence, it may have been ...
by pointyhairedboss
Fri Oct 05, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1766

Re: Washington, DC Trip & Fine Dining in the Area

Like other posters I think dc has some great places. Tom sietsema is usually spot on. Rasika is great. The inn at little Washington (about an hour outside dc) is amazing! You'll have plenty of good options to enjoy Inn at Little Washington was just awarded three Michelin stars. The chef is legendar...
by pointyhairedboss
Fri Oct 05, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Washington, DC Trip & Fine Dining in the Area
Replies: 19
Views: 1766

Re: Washington, DC Trip & Fine Dining in the Area

Recommend the Penn Quarter area of DC. Its an area with many quality restaurants: Rasika - Indian Momofuku (w Milk Bar embedded) - Chang's DC location The Jose Andrés tapas options: Jaleo - Spanish Oyamel - Mexican Zaytinya - Turkish, Greek and Lebanese China Chilcano - Asian/Peruvian fusion Cuba Li...
by pointyhairedboss
Thu Sep 27, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5369

Re: How to pay for upcoming medical / IVF expenses

#2 - Be ready for the high probability of a multiple pregnancy if it does work - with all the extra health concerns and costs (both during the pregnancy and later of raising multiples). Some fertility doctors will strongly recommend one egg per transfer for this reason. Ultimately its up to the pat...
by pointyhairedboss
Thu Sep 27, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 7168

Re: How to buy a mattress

I purchased a mattress from Mattress Discounters, a brick and mortar retail franchise in my area. The price markups on the mattresses were outrageous. They would instantly take 15% off if you just said, "I am not sure if I want to buy today". Eventually we came to an agreement on a mattress for a pr...
by pointyhairedboss
Sun Sep 23, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5369

Re: How to pay for upcoming medical / IVF expenses

You might also want to factor the timing of your medical procedures against your insurance deductible. So for example, if you have already hit your out-of-pocket maximum this year, and if there is enough time to complete an expensive medical procedure by the end of the year, than your insurance will...
by pointyhairedboss
Sun Sep 23, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5369

Re: How to pay for upcoming medical / IVF expenses

Until you can pay cash for it, you can’t afford it. $20,000 is just the starting point. Be prepared to spend more ($30,000 - $50,000) than you think because once you start, you will keep going and following instructions from the REI doctor until you have your baby. There is big money involved and m...
by pointyhairedboss
Sun Sep 23, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 5369

Re: How to pay for upcoming medical / IVF expenses

$20K sounds low. IVF is extremely expensive. Transfers do not always work on the first attempt. You should inquire about the cost of: - freezing embryos for future transfers - future transfers with those frozen embryos These costs presume you will have extra embryos to spare from the first extractio...
by pointyhairedboss
Sat Sep 22, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Sprint to Tello or something else?
Replies: 4
Views: 419

Re: Sprint to Tello or something else?

As Sprint can only compete on price, Sprint MVNO's are where most of the good deals are. Various MVNOs have plans that optimize around different data/voice usages. A good deal for one poster may be a sub-optimal deal for you if you have different data and voice needs. While the two plans below have ...
by pointyhairedboss
Sat Sep 22, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Sports fan trying to cut cable
Replies: 11
Views: 1054

Re: Sports fan trying to cut cable

The one area of sports coverage that will be hard to find are local games that aren't being broadcast nationally - MLB, NBA, and NHL come to mind. If you live within a reasonable distance from an urban area, you can try a tv antenna. That would only cover games broadcast on over the air channels. NF...
by pointyhairedboss
Sat Jul 07, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Term life contract
Replies: 6
Views: 678

Re: Term life contract

I am in a similar position to the original poster. A blog I recently read suggested setting up multiple policies in such a way that no single policy is bigger than the guaranteed amount by the state guarantor. So if my state guarantor will guarantee up to $500K, than I should setup two term insuranc...
by pointyhairedboss
Fri Jul 06, 2018 3:55 pm
Forum: Personal Investments
Topic: Anybody use Personal Capital to advise them?
Replies: 23
Views: 4944

Re: Anybody use Personal Capital to advise them?

BlueRidgePro wrote:
Fri Jul 06, 2018 9:56 am
Two thoughts:

They are in business to make money - where does that come from? You?

If they had a sure-fire way to invest for profits. why would they share it with you, instead of investing their own money?
Wouldn't that apply to just about any investment advisory business?
by pointyhairedboss
Wed May 09, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 131
Views: 18332

Re: Warning: avoid Windows 10 update 1803

Updated my laptop today, Windows deleted Dolby Home Theater software from my laptop without permission. I don't think this was Microsoft software. Who gives them the right to delete software from my machine? (yea, I know, some EULA that I likely signed on OS install)
by pointyhairedboss
Sat May 05, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 2149

Re: Real estate agents - claim thousands of ready buyers??

Frankly Real Estate is a good site to query MLS info in the DC/DMV area Here is Lahay's actives and under contracts: http://frankly.com/default.aspx?m=R&s=(Lister_122967+%2c+Buyer_122967)&l=0&h=ALL Notice more than half of the listings have been on the market for 42 days or more. Also consider that ...
by pointyhairedboss
Sat May 05, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Real estate agents - claim thousands of ready buyers??
Replies: 19
Views: 2149

Re: Real estate agents - claim thousands of ready buyers??

Jonathan Lahay commercials in DC are played all the time. I had the same question as the OP - where does he get his exclusive database of home buyers? I know its just a sales pitch, but I am still curious the basis of the statement. Personally I think its a weak commercial. If Jon has this large dat...
by pointyhairedboss
Thu May 03, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2670

Re: Real Estate Commissions - How Negotiable?

Do also ensure that the commission is the sole way you compensate your agent for their service. They might add admin fees to the final tally to make up for the lower commission you negotiated.

http://blog.franklyrealty.com/2007/02/395.html
by pointyhairedboss
Thu May 03, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2670

Re: Real Estate Commissions - How Negotiable?

If I were to negotiate commissions with a seller agent, I would be leery of coming up with just one number for the real estate commission. What if, for example, you agreed to a 5% commission and the agent than kept 3% for himself and gave only 2% for the buyer's agent? I would instead aim to come to...
by pointyhairedboss
Sat Apr 28, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 4796

Re: How stressful is buying a home?

I have found it stressful when buying a house. Its a result of my slight distrust of professionals and my inability to satisfice. I spent a lot of time researching the professionals that would work for me during the process. I found my own agent, lenders, and house inspector. The easier path would h...
by pointyhairedboss
Sun Feb 18, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT fund changes objective, name & index
Replies: 21
Views: 5107

Re: Vanguard REIT fund changes objective, name & index

Permit me the dumb question - will the changes make the Vanguard REIT correlate more or less with the total stock market than previously?
by pointyhairedboss
Sat Feb 17, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy
Replies: 11
Views: 1557

Re: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy

Concerning the link, by default, I got the article teaser page. I had to do the google news referrer trick to get the full article.
by pointyhairedboss
Fri Sep 01, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 37752

Re: The Wall Street Journal to close Google loophole entirely

I am not happy with Google News for having links to articles that I can't access unless I subscribe. At least make the pay links distinguishable from the free links so I know which links to avoid.
by pointyhairedboss
Sun Sep 25, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bill payment service.
Replies: 30
Views: 3743

Re: Best online bill payment service.

Having all your payees at a bank makes it easy to pay multiple bills with one login session. Presented with a list of payees and text boxes for bill amount and bill date, you can enter data on multiple bills and submit it with one click. Fidelity also offers bill presentment, which for participating...
by pointyhairedboss
Mon Feb 15, 2016 2:34 am
Forum: Personal Consumer Issues
Topic: Northern VA / DC: Recommended building contractors?
Replies: 4
Views: 916

Re: Northern VA / DC: Recommended building contractors?

Any NoVA / DC area folks have a particularly good experience with a building contractor that you would like to recommend? I'm thinking about having a detached 2-car garage with a finished upstairs built on my property and am in the initial stages of trying to put together a potential list of contra...
by pointyhairedboss
Sat Feb 13, 2016 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 49
Views: 8935

Re: Is the high cost of living in Northern VA/DC worth it?

You already have a paying job relevant to your field of study. It will look great on your resume. How does this differ from an internship? Because you have done good work for this company, they may be open to giving you other opportunities within the company if you ask. If you find an internship tha...
by pointyhairedboss
Sat Feb 13, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is the high cost of living in Northern VA/DC worth it?
Replies: 49
Views: 8935

Re: Is the high cost of living in Northern VA/DC worth it?

Add me to the 'think about the long term' camp. You appear to be a very smart person. You are not going to have any problem with a career in software, whether it be in DC, NoVa, Raleigh, San Fran, or any other big city that has a tech edge. I would focus more on the quality of the job opportunity, i...
by pointyhairedboss
Mon Jan 18, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Scottrade wants $17 for VG funds, $75 to leave
Replies: 14
Views: 2480

Re: Scottrade wants $17 for VG funds, $75 to leave

I used to follow brokerage fees and commission a lot more closely back in the day. Scottrade was the 'good guy' brokerage that didn't have exit fees, allowing new users to join the brokerage without risking exit fees if they didn't like the experience. How disappointing it is to learn that Scottrade...
by pointyhairedboss
Sun Apr 26, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 6911

Re: Thinking about a new desktop PC.

I wouldn't let the Win 7 versus Win 8 issue be the primary determinant of which computer you purchase. Microsoft ended mainstream support for Win 7 in January. There are plenty of free software options that will port Win 7 start menu functionality to Win 8. Focus instead on finding the computer tha...
by pointyhairedboss
Sun Apr 26, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 6911

Re: Thinking about a new desktop PC.

I wouldn't let the Win 7 versus Win 8 issue be the primary determinant of which computer you purchase. Microsoft ended mainstream support for Win 7 in January. There are plenty of free software options that will port Win 7 start menu functionality to Win 8. Focus instead on finding the computer that...
by pointyhairedboss
Fri Apr 24, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Converting 8mm and VHS tapes to digital
Replies: 11
Views: 5786

Re: Converting 8mm and VHS tapes to digital

I used Deluxe VHS to DVD ( http://www.amazon.com/Honestech-8-0-Deluxe-VHStoDVD/dp/B00ND0E7BW ). They were on version 5 at the time, they are now at version 8 and a bit more expensive. It comes with a hardware component that takes in the red white yellow wires (sorry for overly sophisticated technolo...
by pointyhairedboss
Fri Mar 13, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 3555

Re: Where to purchase Windows? What version?

I was in a similar boat with my wife's Dell computer. I found several good reinstall videos on youtube, one specifically for Dell computers: https://www.youtube.com/watch?v=C4ECjkiGFYM Another option is to get the iso binaries from Microsoft. http://www.techverse.net/download-windows-7-iso-x86-x64-m...
by pointyhairedboss
Fri Feb 20, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pension vs 401K
Replies: 8
Views: 1158

Re: Pension vs 401K

I'll take a 401k simply because I have some degree of 'ownership' on it. Pension promises can be broken by whim of the employer.
by pointyhairedboss
Mon Jan 27, 2014 7:53 pm
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use phone--rarely make calls
Replies: 64
Views: 5946

Re: Cheapest pay-per-use phone--rarely make calls

I am a happy google voice customer. I signed up long ago when the available numbers were plentiful and you could find a number to match whatever mnemonic or short word that you could think of. Unfortunately, that time is long gone. Google eligible numbers are now very scarce. You will be very lucky ...
by pointyhairedboss
Mon Jan 27, 2014 2:26 am
Forum: Personal Consumer Issues
Topic: How to buy a car.
Replies: 23
Views: 5529

Re: How to buy a car.

I did something similar when I purchased a car, although I only inquired with six dealers in a one hour radius. Several comments: - Dealing with six dealers took a lot of time. I can't imagine herding 40 of them. More them half of them didn't read my inquiry close enough and I had to ask them for mo...
by pointyhairedboss
Thu Feb 14, 2013 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Just how "vulnerable" are our assets? (Will/trust)
Replies: 22
Views: 2652

Re: Just how "vulnerable" are our assets? (Will/trust)

I have no clue how vulnerable your assets are......That's why you go to an estate lawyer. I did it about 3 years ago and it cost me $2,400....It gave me piece of mind which was well worth it. All wills are subject to probate, trusts are not Basically. There are some here that jumped up and down and...