Search found 2449 matches

by jjface
Sat Nov 18, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: iPhone vs Android longevity
Replies: 9
Views: 1003

Re: iPhone vs Android longevity

Iphones are updated for longer and tend to last longer before showing their age. The google pixel range is pretty good - 3 years of promised updates for the latest ones. The thing with android is that once they have stopped being updated they still work and there are a lot of options to install cust...
by jjface
Sat Nov 04, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11418

Re: Got an iPhoneX

Does any of this matter? I will tell you there is no one perfect phone that will satisfy everyone - not even close.

Pick a phone you like and stop worrying about the rest.
Hate the iphone x - then return it or sell it. Try something else.
by jjface
Sat Nov 04, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5268

Re: No true pay as you go [cellphone plan]

Take a look at Truphone, which utilizes both the ATT and T-Mobile networks. Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!! I stand corrected: "Global SIM operator Truphone, which operates on AT&T and T-Mobile in the US, is dropping T-Mobil...
by jjface
Sat Nov 04, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11418

Re: Got an iPhoneX

The iphone X is like a taller 5.2" normal screen. The width is about the same as a 5.2" phone like the nexus 5x. The iphone 8 plus has a 5.5" screen. Personally I don't like this whole trend towards these super tall screens. Just send it back and get an 8 plus if it bothers you. Some people really l...
by jjface
Wed Nov 01, 2017 12:20 am
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5268

Re: No true pay as you go [cellphone plan]

cacophony wrote:
Tue Oct 31, 2017 2:20 am
Take a look at Truphone, which utilizes both the ATT and T-Mobile networks.
Sorry to correct you - they are just ATT now. They stopped using Tmobile several years ago unfortunately!!
by jjface
Fri Oct 20, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 113
Views: 27188

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

If you check out VG's institutional site, there's more info, including benchmarks, which might help with the domestic/international split. Click on each fund's link in the first paragraph, then click on the Fact Sheet in the right-hand column. https://institutional.vanguard.com/VGApp/iip/site/insti...
by jjface
Fri Oct 20, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2844

Re: Best smartphone

Pixel XL

I also have a moto E4 and that is a great phone for the price. Camera isn't great though but everything else is good.
by jjface
Fri Oct 20, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 113
Views: 27188

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings?
by jjface
Tue Oct 10, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15766

Re: [Boglehead vs Mr Money Mustache philosophies]

The biggest difference is that Bogleheads usually want to work for longer. Probably not because they necessarily like working but because they consider it a necessity. They want to keep investing those earnings. It is mostly about maximizing investments. Many Bogleheads will be worried about retirem...
by jjface
Sat Sep 23, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26408

Re: Iphone X is $1000

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a...
by jjface
Sat Sep 23, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1767

Re: What phone carrier?

Your verizon iphone SE will work on sprint/boost but it doesn't have LTE band 41 so won't get the very best speeds. It probably doesn't matter too much. If boost works why not switch to the free year of sprint unlimited. Costs about $3.5 a month in taxes and fees. Requires a hard pull since it is po...
by jjface
Fri Sep 15, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26408

Re: Iphone X is $1000

It is all relative. My cell plan costs $7.50 a month and some people pay $80 a month. I could buy an Iphone X and still be paying less. At the end of the day the real decision is whether picking an X over an iphone SE, 6S or 7 (or +) is worth it. You get a phone that is 90-95% of what the X is at a ...
by jjface
Fri Sep 15, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 5501

Re: Tax Advice for lowering AGI/Taxable?

MAGI just means a modified AGI. Every different agency/use can modify it however they wish. So do not use MAGI references for anything except the program for which you will be applying. I believe MAGI is a firm definition. Different states and agencies have the ability to approximate it to make inc...
by jjface
Fri Sep 15, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26408

Re: Iphone X is $1000

Cash wrote:
Tue Sep 12, 2017 3:37 pm
GuitarXM wrote:
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.
Yes I mean those animojis that follow your face. Wow. Not.
by jjface
Sat Sep 09, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 5501

Re: Tax Advice for lowering AGI/Taxable?

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower ag...
by jjface
Fri Sep 01, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Advice for lowering AGI/Taxable?
Replies: 51
Views: 5501

Re: Tax Advice for lowering AGI/Taxable?

You will probably want to get your agi down. Things are based roughly on MAGI these days (which = AGI for most) with some discretion to vary it slightly for states to make it easier to verify/estimate income from available sources. So your tools are mainly trad iras and TSP. Trad iras will lower agi...
by jjface
Sat Aug 26, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4396

Re: Desperate to get rid of mosquitoes, what else could we try?

You sound like me. I hardly go out in the yard now. Ready to move.

I put some mosquito repellant on my arm and a second later a mosquito landed on it and bit me while I sprayed the other!
by jjface
Mon Aug 14, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 31
Views: 12325

Re: "The Simple Path to Wealth" -- A Gem

I think any book that recommends 100% stocks is dangerous - especially one meant for beginners. A lot of these bloggers are 100% stocks and maybe they can handle it but not many others. A lot started their blogs after 2008 too. Not sure when this one started. I skim many of the "FIRE" websites, and...
by jjface
Mon Aug 14, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: US Social Security Income Benefit For Non-Citizen?
Replies: 11
Views: 1558

Re: US Social Security Income Benefit For Non-Citizen?

You qualify for benefits but they will be reduced by the windfall elimination provision. If you gain 30 years in the usa you will get the full social security amount
by jjface
Sat Aug 12, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4012

Re: Cheapest way to upgrade iPhones ?

Iphones have always been $600+ for the latest. Att just hid the cost in your monthly contract. Wise up and go prepaid - cricket or h20 or even att prepaid. What you save will more than cover the cost of the latest phone. Cricket also has discounted phones eg the iphone se 64gb for $240 or an iphine ...
by jjface
Sat Aug 12, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 37
Views: 4012

Re: Cheapest way to upgrade iPhones ?

gl wrote:
Sat Aug 12, 2017 10:16 am
i'm currently debating about the vm deal for new iphone se & 1 yr service for about $280 -- deal extended to end of month. https://www.virginmobileusa.com/newsroo ... tail2.html
Great deal for sprint service.
by jjface
Tue Aug 08, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3433

Re: Buy Google Pixel mobile now or wait for Pixel 2

Do you have a pixel? if yes, are you happy with its battery life? I have the pixel XL and for my modest use it works really well. Everyone uses phones differently so you can't really ask someone else how the battery life is. For me I could go days without recharging the pixel XL. Of all the phones ...
by jjface
Mon Aug 07, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3433

Re: Buy Google Pixel mobile now or wait for Pixel 2

It is a great phone. You won't be disappointed. Now the price of the pixel 2 will be more expensive. It may not have a headphone jack. But probably will bring incremental improvements elsewhere. The xl 2 having a modern thin bezel design. Someone with a 3 year old phone probably doesn't care about t...
by jjface
Thu Aug 03, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: wedding fund
Replies: 24
Views: 2263

Re: wedding fund

I knew someone whose father had died when she was young but he had saved up a small wedding fund. It meant a great deal to her when she did get married. I have one for my daughter now just in case. However if you are planning for a 25 year horizon how much do you plan to save up? By the end of the y...
by jjface
Mon Jul 24, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4157

Re: Is there any reason not to? [4% Checking]

I think you have it backwards here. It's not the bank offering the product getting the short end of the stick (in fact, they love it and it is why they have the requirement, they get a bunch of fees from the card's use). It is the merchant where the consumer makes 20 microtransactions when that wou...
by jjface
Mon Jul 24, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: "If You Can"-style Rebalancing
Replies: 14
Views: 1850

Re: "If You Can"-style Rebalancing

1. Use new money first. Limiting yourself makes things harder.

2. If you really cannot use new money then you sell what is too high and buy what is too low. Fine in a tax deferred account anyway.

Any number 3 don't be too precise about it all!!
by jjface
Sat Jul 22, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4157

Re: Is there any reason not to? [4% Checking]

Making tons of small transactions on utilities and Amazon is basically scamming those companies. They have to pay not only a percent of the total, but also an interchange fee on each transaction. This will cause higher prices for everyone. Yes, they may allow it, but that doesn't make it right. The...
by jjface
Fri Jul 21, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4157

Re: Is there any reason not to? [4% Checking]

Your only loosing 0.8% if you don't meet the min. Requirements, correct? I wonder if you can do 20 automatic transactions, along with one Ally automatic transfer? Says no interest (and $10 fee) if you don't meet the requirements. Amazon reloads and paying bills in small amounts are usual ways to be...
by jjface
Tue Jul 18, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2372

Re: Cellphone nightmare - please help

You should be on verizon then. I'm not sure if credo sim locks iphones. Since you are on a contract you'll probably need to ask them to domestic sim unlock. Good news is that the iphone 7 verizon version can be used on any network when unlocked. I'd probably try cricket or att prepaid. But probably ...
by jjface
Tue Jul 18, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2372

Re: Cellphone nightmare - please help

The problem with just switching carriers and keeping the same phone is that the new carrier would likely be using the same cell phone network and you would have the exact same problem. I would try to return the phone for a refund if possible. This. Getting into a new contract with a new provider wi...
by jjface
Tue Jul 18, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2372

Re: Cellphone nightmare - please help

No cricket is not an mvno. But the distinction isn't really relevant other than the added security of being run by att themselves. There is always a small risk that a mvno will go out of business or lose the ability to use the towers of the primary provider. The speeds are capped like other att mvnos.
by jjface
Tue Jul 18, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2372

Re: Cellphone nightmare - please help

Credo is verizon for new customer since Dec 2016 buying a phone from them. When did you buy the phone? If before that you probably are still on their sprint service which is probably why your reception stinks. What phone do you have? Ask them to unlock it for one. Hah they still do contracts. They s...
by jjface
Sun Jul 09, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6635

Re: Do not buy new cellphones on ebay

You must really know how to pick them!! I tend to steer clear from big sellers like mobilepros1 and bidallies which seem to source a lot of foreign phones. They have generic descriptions and don't give you enough details but post an attractive price. If they do not have a picture of the actual item ...
by jjface
Wed Jul 05, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4858

Re: Anyone bought a Pixel?

I'd like to interchange some words for you to better represent my own opinions. I'll bold the changes. Seems odd but the only thing you really need out of a PHONE is for it to MAKE A PHONE CALL . The difference between a 10 year old beater and a brand new PHONE is not especially different in that r...
by jjface
Wed Jul 05, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4858

Re: Anyone bought a Pixel?

Two: Old iphones run new versions of iOS like garbage. As to 700$ device, I'm of the opinion that you'd be better off with a OnePlus 5 and save some cash. Buy a new phone more often. My job does not replace our phones very often. Many coworkers are using iPhone 5 and I have a 6 issued by the agency...
by jjface
Tue Jul 04, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4858

Re: Anyone bought a Pixel?

Like the looks and features of the Google Pixel smartphone, but a lot of coin. Priced like an iPhone - unlocked for about $650 on Google store. Is it worth it? So your BH strategy is to buy a 10 year old beater car and a new premium smartphone every few years? Seems odd but the only thing you reall...
by jjface
Tue Jul 04, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4858

Re: Anyone bought a Pixel?

Like the looks and features of the Google Pixel smartphone, but a lot of coin. Priced like an iPhone - unlocked for about $650 on Google store. Is it worth it? So your BH strategy is to buy a 10 year old beater car and a new premium smartphone every few years? Seems odd but the only thing you reall...
by jjface
Tue Jul 04, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4858

Re: Anyone bought a Pixel?

It is worth it to get a used one. A decent used one should cost under $400. As others have said the pixel 2 will be out in a few months and google have been stingy not lowering the price of current pixel new. They are offering a free google home with purchase if that interests you or you can sell it...
by jjface
Wed Jun 28, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 2125

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

Your 5 year old should be fine with the drive though all kids are different. We've been taking our daughter to Disney since she was 2 and drive down from Atlanta ish. By the time she was 5 the drive was easy. We usually have a picnic for lunch and stop every hour or so. We usually get to Disney befo...
by jjface
Sat Jun 24, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 6101

Re: 58 years old and laid off seeking advices

You have $3m and have $65k in expenses. You definitely won the game. I'd say count yourself lucky you were let go. Now you are free to enjoy yourself and do whatever you like. I'd say let your wife retire too and go do some nice things together. If you feel you must work you are free to pick whateve...
by jjface
Sat Jun 24, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7468

Re: Your Favorite Vanguard Fund

Vanguard Wellington. Wellesley is great too.
by jjface
Sat Jun 24, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: 5-7 year investment with yearly withdrawal?
Replies: 4
Views: 592

Re: 5-7 year investment with yearly withdrawal?

Finance the extra through your income - force yourself to make savings elsewhere if you have to. "4) Even if I lose 40% of the value in one year I still have 30k to pay." - falling back on the idea of selling low is never a good plan. Why take that risk? Or if you really can't then you could set asi...
by jjface
Sat Jun 24, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Water Damaged/Broken
Replies: 10
Views: 1264

Re: iPhone 6 Water Damaged/Broken

I don't have the numbers to back this up but I'm certain that (full price phone + 24 months service) > (subsidized phone + 24 months more expensive service). Regardless of how they pay Apple for the phones they must be making more money which is the only reason to change the system. They changed be...
by jjface
Fri Jun 23, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about the death thing for taking SS
Replies: 17
Views: 1745

Re: Thinking about the death thing for taking SS

Nobody knows when they will die so the idea of comparing payouts is flawed. You know that IF you reach X years you will be better off IF you do Y. You also have to factor in unknown inflation rates and unknown earnings on amounts saved if you take early. Best way to treat social security is to look ...
by jjface
Thu Jun 22, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 4716

Re: New Baby - Wife stay at home for 1 year?

She should stay at home as long as she wants to. You can make it work whatever she decides - 1 year -5 years -18 years - forever.
by jjface
Wed Jun 21, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage and Low-Income
Replies: 26
Views: 2944

Re: Mortgage and Low-Income

Keep it at 20% . Retaining some liquidity is good and mortgage rates are low right now. You can always pay down more later when things are more comfortable financially.
by jjface
Wed Jun 21, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 7279

Re: Co-workers advising to buy house RIGHT NOW

Don't ever listen to what a bunch of co-workers advise. About anything.
by jjface
Wed Jun 21, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Free Cell Phone Plans for a Year @ Sprint
Replies: 29
Views: 3680

Re: Free Cell Phone Plans for a Year @ Sprint

Virgin also do a year free if you buy an iphone. https://www.virginmobileusa.com/shop.html
Probably easier to set up.
by jjface
Tue Jun 20, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Helping elderly Grandma with investing 270k - VTINX?
Replies: 26
Views: 1820

Re: Helping elderly Grandma with investing 270k - VTINX?

Here is where an SPIA would be beneficial. Keeps the well intending family members off it and provides a guaranteed income to cover the rest of the costs. Annuitize say $150k. She should get at least $2000 a month. Put the $120k in some mix of vtsax and CDs - say 50/50. No need for an inflation prot...
by jjface
Tue Jun 20, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Stamp Value
Replies: 6
Views: 873

Re: Stamp Value

Unless you are willing to learn about them there is nothing much you can do to protect yourself. Stamps are worth what someone will buy them for - so the best thing is to get multiple quotes. I didn't particularly want to learn but it was easy enough to look some up via ebay and online to at least g...