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Cosmo

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Is this even supported by Apple? If you are using it solely as a dumb phone, that would be fine. Otherwise, you would not want to use as there will likely be a l...

Cosmo

I found this statement from the article quite dubious (You could sell after four, but by then your phone will have degraded in performance and battery life quite a bit, so most people will probably upgrade before then.) My last phone was running fine after 5 years, and the only reason I upgraded wa...

Cosmo

In before the lock!

Cosmo

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently. ^This. If anything, the deliveries ...

Cosmo

Was listening to local news radio today on the drive in. An interesting cautionary tale about home buying during hurricane season. One individual just bought a house right before Harvey hit and his previous home was still under contract. Both homes were lost were lost in the storm and neither had f...

Cosmo

I would have left town on 8/23 , I think that's your biggest mistake. You gambled and got lucky and your house didn't flood, but whats to say it would be the case next time. You could have decamped to Austin for a couple of days. Evacuating smaller areas with a harsh storm imminent is a no-brainer,...

Cosmo

Houston has excellent evacuation plans that work given time. So Rita was not the "Last hurricane", Ike was. The problem is they have never been really tested yet since Ike. Since Ike alone, the population has increased around 30%. This will require an even longer amount of time to evacuate safely. ...

Cosmo

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...

Cosmo

I did some research recently on LEDs because it seemed I was having a lot of failures, especially in the enclosed fixture in my shower. Apparently, some LEDs are not designed to be used in enclosed fixtures because of heat build up. Some of the newer ones are as the result of different design. This...

Cosmo

I was told that Pre Check TSA is totally random. My unscientific survey says that we get Pre check TSA 1/6 times. Is it worth it? That's for you to decide. I don't fly enough for it to matter but with Pre Check TSA, you no longer need to be there 1.5 hours ahead of time for domestic flights. Cosmo

Cosmo

Those seven hour or so flights coast to coast are not much fun. Seems like an odd place to buy a vacation home given where you live now. To me, it would make more sense to buy a house there when you are ready to move there and just rent a place for vacations. That way you can vacation in different ...

Cosmo

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wait a minim...

Cosmo

I guess Personal Consumer is the best subsection for this question. Before this gets locked, could a few Boglehead coders out there just tell me: Everything is so mouse-driven on websites, and before the web, I remember hitting Y or N or a number to move things along. At Vanguard, you can start log...

Cosmo

Yes. What you would pay in nominal terms over 30 years if you kept the house that long and paid off the loan is not a very informative comparison to current rent. If inflation stays positive, the loan payment is decreasing in real terms over time. The homeowner's mortgage deduction from taxable inc...

Cosmo

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...

Cosmo

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...

Cosmo

Talk to the neighbors, if there has been any problems they will tell you (complain to you) If they are new, ask them who has lived in the area the longest, ask them You will learn more from them then any municipal or FEMA map......Gordon While I agree with this in principle, the problem with this i...

Cosmo

A common misunderstanding exists that a 100-year flood is likely to occur only once in a 100-year period. In fact, there is approximately a 63.4% chance of one or more 100-year floods occurring in any 100-year period. Flood events greater than the 50-year flood occurred at intervals of 4 to 192 yea...

Cosmo

Dear all: We put in an offer for a house in NJ and was accepted by the owner. Today, I found out that the house is in FEMA flood zone X and as per my real estate agent we don't need flood insurance. The house is in great condition and it fits all our needs. We are concerned about the flood zone X. ...

Cosmo

Curious to hear opinions on those who have been through this already. Im 28, recently married, no kids. Income $165k/yr. Wife makes $105k/yr. Only debt for us is our house mortgage (1445/month) Cars paid off. College paid off. Etc etc. 401k maxed out for each of us yearly. Backdoor roth maxed out f...

Cosmo

In my case, the existing cans were well-anchored so I didn't need anyone to hold them down. There were a couple with big gaps between the can and the drywall cuts, so I took the opportunity to fill those gaps (although the lip on the retrofit lights would have covered those gaps anyway). For the va...

Cosmo

I just installed about 40 of these at my mothers, last year. I just used some generic retros from HD. I suggest two people, I had one of my guys go in the attic and hold down the can, went smooth and quick, given the existing cans weren't screwed down and some slightly bigger in diameter that I had...

Cosmo

I followed this thread when it originally came out. Ended up doing 30+ of these: http://www.homedepot.com/p/Commercial-Electric-5-in-and-6-in-White-Recessed-LED-Trim-with-2700K-90-CRI-CER6730MWH27/206950542?MERCH=REC-_-PIPHorizontal1_rr-_-206887082-_-206950542-_-N No failures so far. They look far ...

Cosmo

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go ...

Cosmo

Hello all, I have 2 zones of central air in my home. Each has an air handler and an outside condenser. The upstairs zone was changed out completely about 2 years ago. I have both zones serviced every year religiously. The most recent servicing of the downstairs unit was about a month ago. My heatin...

Cosmo

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...

Cosmo

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...

Cosmo

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

Cosmo

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

Cosmo

Cosmo

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

Cosmo

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 ...

Cosmo

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...

Cosmo

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.

Cosmo

Just take to Goodyear Tire and they will plug for free.

Cosmo

Meteorologist.

Cosmo

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 ...

Cosmo

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...

Cosmo

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...

Cosmo

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

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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...

Cosmo

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....

Cosmo

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 ...

Cosmo

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...

Cosmo

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/

Cosmo

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...

Cosmo

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....

Cosmo

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-...

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