Search found 858 matches

by angelescrest
Sun Nov 19, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 81
Views: 5925

Re: The valet smashed my Tesla into a brick wall!

Archimedes wrote:
Sun Nov 19, 2017 8:06 am
I have more than I will ever need.
The Tesla forum will give you sympathy as that’s a major bummer indeed. But here, it’s not so big a deal—you have more than you need, and you already chose to buy a car that would depreciate rapidly compared to the Hondas you used to drive.
by angelescrest
Fri Nov 17, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 34
Views: 2233

Re: Replace TVs with Smart Tvs or not?

The notion of smart tv has essentially died, and it has been replaced by the home media hubs represented by google, Apple, Roku, and others. You’d be wasting your money to upgrade. Btw, plasma is still fantastic technology, which mainly lost out to the convenience of LCD. Buy an Apple TV or somethin...
by angelescrest
Thu Nov 16, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k and 403b
Replies: 8
Views: 541

Re: Solo 401k and 403b

A one-participant 401k allows you to make the largest contribution on a given amount of net self-employment earnings. You can contribute to both plans, but there are two contribution limits For 2017 there is an $18K employee deferral limit between all qualified plans combined. For 2017 there is a $...
by angelescrest
Wed Nov 15, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k and 403b
Replies: 8
Views: 541

Solo 401k and 403b

For 2017 tax year, we'll be MFJ, and the income will be some $85,000. I'll have put in maybe $6,000 in 403(b) contributions through my employer's retirement plan, which doesn't have the best options. We maxed out Roth IRAs. I made $30,000+ freelance income, and am now considering a solo 401k to redu...
by angelescrest
Wed Nov 15, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 69
Views: 10341

Re: Jim Cramer doesn’t beat the market

I think it's very important to establish that Cramer hasn't been beating the market. The article doesn't address the question of risk, which is also important because even if he were beating the market it wouldn't mean much if he were doing it by taking more risk. Conversely, the underperformance m...
by angelescrest
Tue Nov 14, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2041

Re: IPHONE 8, X

Not really sure why anyone would get an 8 over an X. If you want something cheaper than the X, get a 7/7+, which is about the same as an 8/8+, but significantly less expensive. If you want the latest technology, pay a bit more and get the X rather than pay a bit less to get essentially the same pho...
by angelescrest
Tue Nov 14, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2041

Re: IPHONE 8, X

LadyGeek wrote:
Mon Nov 13, 2017 11:01 pm
HerbRight wrote:
Mon Nov 13, 2017 2:29 pm
hi, is the iPhone X worth the $$$ or the 8 is good enough??
To keep this actionable, are you looking to buy an iPhone 8 or X?
Was wondering the same thing.
by angelescrest
Mon Nov 13, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 1954

Re: Iphone 4

All cars do the same basic thing, some just do it better than others. Smartphones are similar, although in terms of software and performance the 8 is light years ahead of the 4. If you’re not using apps like I do, you’re not missing out. The camera in the X is so good I would have upgraded for that ...
by angelescrest
Mon Nov 13, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2041

Re: IPHONE 8, X

HerbRight wrote:
Mon Nov 13, 2017 2:29 pm
hi, is the iPhone X worth the $$$ or the 8 is good enough??
You must provide more information, as it depends on what you’re interested in. There are a lot of reviews comparing the two if you want a fully featured analysis.
by angelescrest
Sun Nov 12, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: iPhone X - Any deals available?
Replies: 3
Views: 594

Re: iPhone X - Any deals available?

You missed yesterday a Sam’s Club deal where you would get free activation and a $250 gift card. Amazing deal for something so new if you shop there, which I don’t.
by angelescrest
Sun Nov 12, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8409

Re: Thoughts about wearing a "uniform"/same thing everyday?

I’m reading here some folks describing the use of having a uniform is really to reduce the decisions you need to make and focus on what matters. I look at it differently. Getting ready in the morning, including washing up, helps me prepare and concentrate on what I am going to accomplish that day. ...
by angelescrest
Sun Nov 12, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10699

Re: The average American retiree household

Yes, my research indicates that $150,000 in "home equity" and $100,000 in investable assets is about right for the average person getting ready to retire. If I were in that situation, I would sell my house and buy an annuity with most of the $250,000 total, then live in a rental. For two 65-year-ol...
by angelescrest
Sun Nov 12, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 135
Views: 8409

Re: Thoughts about wearing a "uniform"/same thing everyday?

It’s helpful to know what industry you work in, as the tech CFO indicated. Looks like many here are posting from medical and tech industries. I’ve worked in several different industries, and my wardrobe varied significantly depending which. I work with a lot from the creative class now, and it’s not...
by angelescrest
Sun Nov 12, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10699

Re: The average American retiree household

Yes, my research indicates that $150,000 in "home equity" and $100,000 in investable assets is about right for the average person getting ready to retire. If I were in that situation, I would sell my house and buy an annuity with most of the $250,000 total, then live in a rental. For two 65-year-ol...
by angelescrest
Sat Nov 11, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9399

Re: Retirees: I got this!!

I’m hearing about lots of stress. More or less stress than the worst stress you had during your career jobs?
by angelescrest
Fri Nov 10, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I will probably keep it. I'm getting used to it. I like everything about it, except I miss the half inch (or so) of screen width. It's still harder to read on vs my old 7Plus. That being said, it's easier, because it's physically smaller, to flip into landscape mode...so I'm reading that way, which...
by angelescrest
Fri Nov 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I will probably keep it. I'm getting used to it. I like everything about it, except I miss the half inch (or so) of screen width. It's still harder to read on vs my old 7Plus. That being said, it's easier, because it's physically smaller, to flip into landscape mode...so I'm reading that way, which...
by angelescrest
Fri Nov 10, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

DxOMark rates the camera a 97: https://www.dxomark.com/apple-iphone-x-top-performer-stills/ I’ve never cared about DxOMark scores. Here is a review that largely mirrors my thoughts on the camera—a key reason I upgraded. As expensive as the phone is, I am going to save money by getting rid of my sem...
by angelescrest
Fri Nov 10, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Previous Salary Question for Singapore Job
Replies: 0
Views: 183

Previous Salary Question for Singapore Job

I found a job in Singapore that looks really appealing to me. On the application, they ask for "Present Annual Base Salary", and later in the application, before my signature, it says "I declare that all the particulars given in this form and attached curriculum vitae are true to the best of my know...
by angelescrest
Wed Nov 08, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

DxOMark rates the camera a 97: https://www.dxomark.com/apple-iphone-x-top-performer-stills/ I’ve never cared about DxOMark scores. Here is a review that largely mirrors my thoughts on the camera—a key reason I upgraded. As expensive as the phone is, I am going to save money by getting rid of my sem...
by angelescrest
Sun Nov 05, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

bostondan wrote:
Sun Nov 05, 2017 10:12 am
In the second year of ownership I rely on Amex extended warranty. It has worked extremely well the one time the battery gave out. Amex refunded the entire price of the phone. I don’t really understand why they did that, but I didn’t complain.
I bought with an AmEx, how does this work?
by angelescrest
Sun Nov 05, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I don’t enjoy giving these guys more views, but this drop test gives you some idea of how it might hold up on impact on a smooth concrete floor.
https://youtu.be/8vHCBwJVeO4
by angelescrest
Sun Nov 05, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

Current owners, what case and screen protector did you select? I usually don’t spring for the insurance, but those screen repair prices are scary. SquareTrade is $129 ($119 per phone if you enroll two phones, and additional discounts for more phones), so $70 cheaper than AppleCare+. But they reimbu...
by angelescrest
Sat Nov 04, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

...I really like the Touch ID. It wasn't broken or in need of replacing. Should be an option on the back of the phone IMHO. I felt the same way, and thought FaceID would be some oddball solution just to get the screen bigger. And of course the rumors that Apple did this cuz they failed at the under...
by angelescrest
Sat Nov 04, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Children's money?
Replies: 26
Views: 2719

Re: Children's money?

I’m also interested to see what best practice may be. We don’t have thousands but hundreds, sitting in their “piggy banks”. Has to go somewhere else.
by angelescrest
Sat Nov 04, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

https://s1.postimg.org/9sn4sn0627/Iphon ... risons.jpg OK! Here is my real world photo. X is smaller than Plus. TomatoTomahto states it more kindly, but this is very misleading if you’re talking about screen size specifically. In fact I question why you decided to show an image from an app that isn...
by angelescrest
Sat Nov 04, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

OK, for those of you who have it. What about the "notch"? Does it stand out as an annoying punt/compromise? Or does it blend with the rest of the display? For me, I don’t even view it as a notch. Meaning, I could see if I had a smaller screen, or at least a screen that wasn’t as tall, and there was...
by angelescrest
Sat Nov 04, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I really like Touch ID. They needed to find a way to implement touch ID into the touch screen interface. I'm not sold on Face ID as an adequate replacement. There are times when it's inconvenient or downright dangerous for me to use that method of activation. Trying to quickly glance at an incoming...
by angelescrest
Sat Nov 04, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I am impressed with mine, more than I expected. But, it’s just a phone, it’s not going to change your life. Lol. It changed the life of a lot of people at Apple. My comment was directed at the op, but I won’t dispute that! Hopefully those Apple employees with stock options are reading our forum.
by angelescrest
Sat Nov 04, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

The Apple website illustrations clearly show that the iPhone X is smaller than an iPhone 8 Plus. Checking the specs on the Apple web site, the overall size of the X is indeed smaller (the 8 Plus is 6.24" x 3.07", the X is 5.65" x 2.79"). The Apple site quotes the following specifications for screen...
by angelescrest
Sat Nov 04, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3563

Re: How has your AA philosophy changed over the years?

Sheepdog wrote:
Fri Nov 03, 2017 10:13 pm
Hevensky wrote:
Fri Nov 03, 2017 3:54 pm
Taylor, what a nice note. You made my day. Thank you.

Harold Evensky
Welcome, Mr. Evensky. That was a nice first post to thank our wonderful mentor.
Indeed, beautiful story by Taylor and what a lovely way for the gentleman to join in response. Welcome to the forum!
by angelescrest
Sat Nov 04, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5506

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

I'm surprised and don't understand why he's not a total Boglehead on the investing side. The three-fund portfolio is hardly rocket science (one of its virtues), and to borrow Larry Swedroe's meme about factors, it's "persistent, pervasive, robust, investable and intuitive." So c'mon Dave - when are...
by angelescrest
Sat Nov 04, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I read that the narrower aspect ratio, or skinnier shape, would make using the phone with one hand easier. It is of interest to me since I’ve had a model 6 regular, and am not sure that I want to go all the way to an 8+ size. But, the extra cost, absence of a physical home button, facial recognitio...
by angelescrest
Sat Nov 04, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

When I looked at this link, the display of the X is larger than the 7 Plus: https://www.apple.com/iphone/compare/ iPhone X: How to view your battery percentage: https://www.cnet.com/how-to/iphone-x-how-to-view-your-battery-percentage/ I saw that size link too. But I’m telling you it’s just false. I...
by angelescrest
Sat Nov 04, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I am impressed with mine, more than I expected. But, it’s just a phone, it’s not going to change your life. Great but none of my questions were answered. You had real questions? I don’t know how to answer “Is there something wrong with me?” The screen is bigger than all previous iPhones, and all th...
by angelescrest
Fri Nov 03, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

I am impressed with mine, more than I expected. But, it’s just a phone, it’s not going to change your life.
by angelescrest
Fri Nov 03, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6104

Re: Spam calls to cell phone...

This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx. Last week the same thing began happening on my cell. According to the call ...
by angelescrest
Mon Oct 23, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8265

Re: Building very high net worth

Honestly, if you are talking about high net worth, $12 million no longer qualifies because there are now over 2,000 billionaires. I would think it would take at least $100 million to be considered "quite wealthy" these days. $12 million is just comfortable when a new studio apartment can easily cos...
by angelescrest
Mon Oct 16, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 460
Views: 38591

Re: Fellow TDA bogleheads

This is disappointing, but am I the only one who will stay? How often are you buying/selling/rebalancing? I do it a couple times a year, and at $7 a trade, this isn’t too bad.
by angelescrest
Sat Oct 14, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5677

Re: What do you buy in Asian food stores?

barnaclebob wrote:
Sat Oct 14, 2017 10:36 pm
They also had a massive lobster but when I went back to buy it for my wife's birthday it was gone :(
ROFL
by angelescrest
Sat Oct 14, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5677

Re: What do you buy in Asian food stores?

Mapo - Fermented bean curd in spicy red pepper sauce! Love to put it on toast! Sometimes I eat it straight out of the jar. It can be incorporated into recipes, rice, etc. We also buy white flower oil. It is not to eat. It is for sore muscles. Mapo on toast? Oh my...more power to you but I do not re...
by angelescrest
Sat Oct 14, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5677

Re: What do you buy in Asian food stores?

Oh my, where do I start? Unfortunately I don’t live by a large one like I used to. Where are you located? If you are in an urban area, look for a large Korean run grocery store like Super H or HK market if you’re on the coasts, or even Chicago and Denver. Definitely buy lots of produce and fruit, as...
by angelescrest
Fri Oct 06, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4239

Re: Too much house? (nervous 1st time buyer)

Rent. Every person I've known who bought a home as a single person and then eventually got married ended up selling the home and buying together. EVERY PERSON. Buy. Every couple I’ve known who bought their first home together either got divorced or eventually had kids and ended up selling the home ...
by angelescrest
Mon Oct 02, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: TD ameritrade to lazy portfolio
Replies: 6
Views: 722

Re: TD ameritrade to lazy portfolio

motorcyclesarecool wrote:
Mon Oct 02, 2017 4:01 am
You can keep things very simple. Go Boglehead and never leave TD Ameritrade at all...
https://www.bogleheads.org/wiki/TD_Ameritrade
Agreed, I use TDAmeritrade and they are excellent. Save yourself the headache.
by angelescrest
Sat Sep 30, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6620

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

flyingaway wrote:
Thu Sep 28, 2017 10:34 am
I wish I could know what is coming is a dip or a pre-crash.
Me, too, but I am really smart and would buy it once I know the crash hits bottom. :P
by angelescrest
Sat Sep 30, 2017 7:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9430

Re: Bogleheads you would most like to meet and why?

Meg77 and VictoriaF and a few other LadyBogles whose screen names I cannot recall off the top of my head. Nothing against the guys, and there are many I'd like to thank / meet, but I find women who are outspoken, can speak finance, who have their act together, etc. very inspirational. And a bit rar...
by angelescrest
Sat Sep 30, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife start a 401k
Replies: 25
Views: 1223

Re: Should my wife start a 401k

Sounds like you should let your wife do all the investing.
by angelescrest
Sun Sep 24, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5358

Re: Bogleheads monthly costs of dog ownership?

We got a rescue, best decision of our lives. Pushing 9 years old now. Only expenses are food and health/vet. Food is about $60-$70 for a 23-25 lb bag of high quality dog food, which lasts maybe a month and a half. Vet expenses get up there, and we haven't had too many issues, but I would suggest sav...
by angelescrest
Sun Sep 24, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1682

Re: What am I thinking.. a new car finance thread.

Won't you ever need that money in your CDs for anything else? If so, then yeah...WTH are you thinking?