Search found 1103 matches

by Cosmo
Thu Jun 22, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3265

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by Cosmo
Thu Jun 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 16203

Re: Poll: 401K Match

I recently learned a brother-in-law has a 200% match on his 401K. I am curious as to what the match is on most 401Ks. I'm sure some of the choices on this poll will be poor, but I think it might be interesting anyway. Try to fit yourself into a category, if you don't, then pick other and explain be...
by Cosmo
Sat Jun 03, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: WHAT!? Us! Double comma! Can I pull back?
Replies: 27
Views: 3911

Re: WHAT!? Us! Double comma! Can I pull back?

TallBoy29er wrote:Combined you pull in $260 k per year. Maxing 401k's would put you at $234 k before taxes. That's a solid income. We obviously don't have your full situation, but on its face, it seems like there should be room in your budget to cash flow the effort.


+1
Cosmo
by Cosmo
Thu Jun 01, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 5179

Re: Used 2013 Audi A5 or New Honda Accord Sport

I love German engineering. I don't like German engineering repair costs. I'll take the Honda Accord Sport, please...

Cosmo
by Cosmo
Thu Jun 01, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 2379

Re: Do you have a bucket to pay your mortgage or pay from core?

whodidntante wrote:I use a bucket when I wash my car, but not for my mortgage.


+1

For a working stiff such as myself, any buckets I have are empty and I make any future payments with dollars I don't have yet.

Cosmo
by Cosmo
Thu May 25, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Major home and auto hail damage claim - now what?
Replies: 8
Views: 944

Re: Major home and auto hail damage claim - now what?

I also disagree with the poster who said it was a nightmare. It was a pretty easy process for us. Not sure if the process varies from state to state but here in Texas, I suspected hail damage so I filed a claim with the insurance company. Within a week, I had the insurance claims adjuster meet with ...
by Cosmo
Sun May 21, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1770

Re: Tire Puncture - plug from outside or patch and plug from inside

I'm automotive technician we are not allowed to use the plug from the outside the tire kits. All tires must be prepped, plugged, and patched from the inside per tire manufacturers and the Rubber Manufacturer Association. These are the standard guidelines any shop should be using. These rules have c...
by Cosmo
Sun May 21, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3682

Re: Need new Router/Wifi Networking Ideas

Hopefully you don't have AT&T U-verse. While you can set up a mesh network with AT&T U-verse, it is a bit more complicated.
by Cosmo
Thu May 18, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Tire Puncture - plug from outside or patch and plug from inside
Replies: 31
Views: 1770

Re: Tire Puncture - plug from outside or patch and plug from inside

Just take to Goodyear Tire and they will plug for free.
by Cosmo
Tue May 16, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 87700

Re: High Earners - What's Your Profession?

Meteorologist.
by Cosmo
Sun May 14, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4648

Re: Can you suggest a mortgage lender who does not resell

My understanding is that Wells Fargo doesn't resell the servicing of mortgage loans. You'd want to confirm that with them, though. While I agree with this, the problem is they are seldom competitive when it comes to shopping around for a mortgage. Since they are my incumbent bank, I always look to ...
by Cosmo
Sat May 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 3932

Re: Interested in lake property

Save your money and rent a vacation place or cabin instead. You will still come out way ahead even it you rent it 10 times per year. The honeymoon will be over in a few years when the home requires maintenance and you end up spending portion of your weekend time working on your second home keeping i...
by Cosmo
Tue May 09, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6184

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

https://finance.yahoo.com/news/gundlach-shorts-sp-500-etf-says-passive-investing-myth-214252048.html Furthermore, he argued that pension funds are abandoning their fiduciary duty by opting for passive investments. And so what does Jeff do? Why he goes long in a PASSIVELY managed iShares MSCI Emergi...
by Cosmo
Tue May 09, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4039

Re: Best salads

Love spinach salads!

Base: Spinach

Extras: Egg, 1/2 avocado, onion, carrots, cucumber, bacon bits from breakfast, whatever lunch meat (turkey, ham, etc) cheese, salt, pepper

dressing: 2/3 olive oil, 1/3 balsamic vinegar

Cosmo
by Cosmo
Sun May 07, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3298

Re: Swing Set 2700.00??

Three possible results: 1. Your kids love it, use it for several hours a day until they are middle schoolers. 2. Your kids get bored with it after a couple of weeks. 3. You have the best set in the neighborhood and there are always 20 kids in your backyard even when you aren't home. I've seen all t...
by Cosmo
Sun May 07, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3329

Re: First 100 mile bike ride

That's why tomorrow's brunch is going to be great. I did 4 100-mile days in a row. Always had a chicken=fried steak with mashed potatoes plus biscuits to break up each day's ride. The first time I did the MS150 from Houston to Austin, I carried water and only ate at Whataburgers and Blizzards at Da...
by Cosmo
Sun May 07, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3329

Re: First 100 mile bike ride

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already? Man that's a lot of climbing. I would do a good 70 mile ride prior t...
by Cosmo
Wed Apr 26, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5054

Re: $300+ to remove a racoon. Really?

Hi guys Has anyone had any experience trying to remove a raccoon from crawlspace or attic. I have one (possibly a mother with babies) that I need to get rid of quick due to work that needs to be done in my crawlspace. I've tried a couple of DIYs, like ammonia around the entry/exit point, critter re...
by Cosmo
Sat Apr 15, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes -Filing an Extension for Mother
Replies: 2
Views: 309

Taxes -Filing an Extension for Mother

My elderly mother has been in the hospital for the last several days and she will not be able to do her own taxes. All of my sisters are totally freaking out about it and were going to call the IRS and ask them what to do. I told them (they are all in another state) that she needs to file Form 4868....
by Cosmo
Sat Apr 15, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1555

Re: radio alarm clock that projects the time on the wall or ceiling

A family member who does shift work uses one. She has tried a couple of the ones in the $10-20 range from Amazon and a local store. Don´t expect the greatest quality on any of them. One lasted a year or two. The other, the projector stopped working in about 3 months. Also, research indicates light ...
by Cosmo
Sat Apr 15, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1744

Re: Pay off debt or fund retirement accounts?

I do not think you should live without an emergency fund. Banks can revoke your card and if so, likely when you need them most. The advice above to use a cc as your emergency fund is risky. The OP would still have around $5,000 left in the emergency fund and would have TWO credit cards to use in th...
by Cosmo
Sat Apr 08, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2505

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

If you are that obsessed about having CarPlay, then just get an aftermarket "CarPlay" for your Mazda. Sony makes one:

https://9to5mac.com/2016/12/08/sony-aft ... available/
by Cosmo
Sun Apr 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving 50% of salary; what does it really mean?
Replies: 142
Views: 11072

Re: Saving 50% of salary; what does it really mean?

They mean after tax. That seems like it should have been the obvious answer to you. Actually, you would be wrong assuming that "should have been the obvious answer". I interpret that as 50% of gross income. Why shouldn't I look at it that way, when a potentially large chunk of your salary...
by Cosmo
Thu Mar 30, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Two iPhones, one iCloud account, ring just one phone
Replies: 10
Views: 828

Re: Two iPhones, one iCloud account, ring just one phone

Check in two places. Settings------>FaceTime and Settings----->Messages. It is important that each of you only have your own phone numbers (and emails) checked. Finally, go to Settings-----> Phone and make sure you disable wireless calling. It is not necessary to have two Apple IDs! This should fix....
by Cosmo
Sun Mar 26, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2206

Re: Can a cell phone get hacked?

Can a cell phone get hacked? Yes - google and you will find the answers - just about everything has been hacked. Waiting for my toaster to be hacked. Android phones - http://money.cnn.com/2016/11/30/technology/android-phones-infected/ Apple phones - http://www.foxnews.com/tech/2017/03/24/wikileaks-...
by Cosmo
Fri Mar 24, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4136

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Fri Mar 24, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3720

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mo...
by Cosmo
Fri Mar 24, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4136

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

Google is your friend. Yes this sounds like a scam. See link below: http://abcnews.go.com/US/dealership-charge-motor-vehicle-tax-car-purchase/story?id=26515737 That link doesn't reference any scam? it doesn't say the dealership was trying to scam the guy out of $1700 more then he paid, sounds like ...
by Cosmo
Wed Mar 22, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3720

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. I just use the default Apple Weather app. I never really thought to use a 3rd party weather app (it's the weather...) but I'll check some of these out. -WallStreetPhysic...
by Cosmo
Wed Mar 22, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3720

Re: What is your preferred Weather App?

I am a meteorologist who works at an energy commodities firm. I have not found a weather app that I have liked yet. There is presently no weather app that is based of off official NOAA/NWS national weather forecasts. NOAA does not have an official weather app per se but they do have some awesome mob...
by Cosmo
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3762

Re: Do I need new tires?

Here's the backstory. My car is a '03 Honda Accord with 127,000 miles. After an oil change this week I asked my mechanic to check my six year old tires. His shop doesn't sell tires. His conclusion, although tread is at legal limits of 2/32, he recommends I replace all four simply because of their a...
by Cosmo
Sun Mar 19, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2488

Re: Creating a Will

I think a will and living trusts are important enough to make sure they are done right and should be left to a lawyer to do instead of risking it with a software program. We also set up a "letter of intent", to help guide the executor of our will in case they had any questions about distr...
by Cosmo
Sun Mar 19, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Creating a Will
Replies: 33
Views: 2488

Re: Creating a Will

Bogleheads, Despite being 25 years of age, as a personal banker I often see the negative effects of improper planning of death. Thankfully, most of the scenarios have had a positive outcome (speaking lightly of death), however I have experienced a couple of scenarios when greed intervenes or disorg...
by Cosmo
Sat Mar 18, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4244

Re: Investing in - WATER - thoughts

Is there really a scarcity of water in California? I don't believe so. You got an endless supply of water from the Pacific via desalination. In fact, the nation's largest desalination plant is located in San Diego County and is expected to furnish the county up to 10% of their water supply. The onl...
by Cosmo
Sat Mar 18, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4244

Re: Investing in - WATER - thoughts

Just watched the NatGeo special on the California water crisis - http://channel.nationalgeographic.com/water-and-power-a-california-heist/ As a friend pointed out - the wild west has always had its battles around water rights, and now it has been ramped up between the various modern day players. BT...
by Cosmo
Sat Mar 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10354

Re: Anyone else taking less risk

I realize no one can predict the end of this rally and when the next correction will come, but has anyone else adjusted their asset allocation to a more conservative one because it has been a long bull market whether it was hated or not. I went from 65/35 to 60/40 just in case. #1: Pigs Get Fat, Ho...
by Cosmo
Sat Mar 18, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 2016

Re: When does a new computer make sense...

I'll never go back to a non-Retina screen. Not sure you need one though and we haven't upgraded the iMac to one with an SSD or better screen. Happy with the new macbook. I have a 2011 iMac model so going on six years. Still working just great; I have not noticed any slow down yet. In fact, when I c...
by Cosmo
Fri Mar 17, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 4331

Re: Help with rebuttal to a Facebook post

A guy I know who works for Edward Jones put this article on Facebook. https://www.americanfunds.com/individual/insights/investment-insights/five-american-funds-that-beat-the-first-index-funds-lifetime-results.html?cid=sm_fb_10224 Would you guys more familiar than I with the index funds and the tric...
by Cosmo
Fri Mar 17, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 19
Views: 1552

Re: How to know if power is cut to smoke detector

ddurrett896 wrote:Every homeowner should own this kit. The non-contact tester will tell you if the line has power.

http://www.homedepot.com/p/Klein-Tools- ... 367271-_-N


^This.

Cosmo
by Cosmo
Thu Mar 16, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3558

Re: How do you cope with regret over selling too soon?

What if you had 2,000 shares of Blackberry, Enron, Pets.com, etc.? I should've bought apple @ $10 a share when we were the only people around with Macs in the 90's. No regrets! :happy I had a bunch of Enron shares back when I was employed there for a couple of years. That trade didn't work out very...
by Cosmo
Thu Mar 16, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3558

Re: How do you cope with regret over selling too soon?

What is this "sell" that you speak of? Do you mean the yearly "sell-to-buy" that's done to rebalance accounts to achieve my target asset allocation? Regret? Over what? I rebalance, the AA is perfect on my birthday, I wait for next year to do another sell-to-buy. The OP is talkin...
by Cosmo
Tue Mar 07, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 995

Re: Using turbo tax online

tc101 wrote:I paid for the online version and I still can't find a way to see my tax forms. Last year I could download a pdf.



They are definitely there. They give you a choice to print/view them once you finish. I printed mine out with no problems.
by Cosmo
Mon Mar 06, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1830

Re: Net Worth Calculation (Question/Opinion)

Curious on your thoughts Bogleheads: I know people differ on whether or not to include one's home equity when calculating net worth. I'm not interested in that debate as I firmly believe it is to be included. For those that agree, do you back out the amount it would cost to sell the home? I have be...
by Cosmo
Sun Mar 05, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Should the money earmarked for certain expenses be part of net worth?
Replies: 52
Views: 3504

Re: Should the money earmarked for certain expenses be part of net worth?

I track and view my net worth as I would a financial statement for a company. It's a snapshot in time and backward looking as opposed to forward looking. Looking at a net worth report over time (I update it at the end of each month) shows me a history of my financial progress (when I've made large ...
by Cosmo
Sun Mar 05, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Nice portable Bluetooth speakers
Replies: 17
Views: 1078

Re: Nice portable Bluetooth speakers

Another vote for the Bose Mini.
by Cosmo
Tue Feb 28, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 50
Views: 2632

Re: Grass trimmer

I've used this Echo trimmer (http://www.homedepot.com/p/ECHO-2-Cycle-21-2cc-Straight-Shaft-Gas-Trimmer-SRM-225/100675439) for the last four years and have never had a problem. The bump feed line works just like it is supposed to and is very easy to reload. Price is a little more than you wanted to ...
by Cosmo
Tue Feb 28, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 854

Re: TD -Problem with Savings Bond Calculator

Summary: "Works fine for me." Sorry, I know how infuriating that is. It seemed to work for me. In my case, though, I wasn't actually using an html file, I was using a "web archive" in Mac OS X Safari, which (somehow) saves more of the appearance of a web page than html does. Let...
by Cosmo
Tue Feb 28, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 854

Re: TD -Problem with Savings Bond Calculator

Are you using Google Chrome, Cosmo? The Savings Bonds Calculator Inventory Instructions say it is "not compatible". Using the Savings Bond Calculator (SBC) with Firefox I just tested creating a list of I Bonds, saving it as an .html file, and then opening it. This worked fine. I also open...
by Cosmo
Mon Feb 27, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3503

Re: Outdoor grill: gas or electric?

+1. I'm a charcoal purist as well. I'm not sure I would use the words charcoal and purist in the same sentence, especially if referring to briquettes, self-igniting charcoal or lighter fluids just for the extra chemicals/substances they contain. No, never self-igniting charcoal and never lighter fl...
by Cosmo
Mon Feb 27, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: TD -Problem with Savings Bond Calculator
Replies: 9
Views: 854

TD -Problem with Savings Bond Calculator

I have been saving an inventory of dozens of paper I-Bonds (IRS Tax refunds) on my iMac 2011 as an html file. This evening, when I open up the file and click "Return to Savings Bond Calculator", it does not pull in my inventory. I have been doing this for 5-6 years now with no issues -unti...

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