Search found 205 matches

by simmias
Wed Oct 18, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1382

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Don't go by my opinion. My first gaming machine was a Commodore 64, and my favorite games of all time either were played on the C64 (the Zork series) or else were SVGA-level (Rama, Zork Grand Inquisitor, Myst Exile). Man... do I feel old! +1 zork > green screen, double floppy drive. Interactive Tex...
by simmias
Wed Oct 11, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 1184

Re: Mint - Issues with showing my account details

It's you. Are you navigating away from the page while it updates? Don't even minimize it or open another tab. Just sit there and stare while it updates, or go pour a cup of coffee or something. In my experience, anything else will give you the error you've reported. If you've already been doing that...
by simmias
Mon Oct 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by simmias
Mon Oct 09, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by simmias
Thu Sep 28, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

nisiprius wrote:
Thu Sep 28, 2017 6:57 am
It takes twenty seconds to stop, bend over, pick up the penny, straighten up, and put it in your pocket.
Whenever anyone asks the average age of the bogleheads user, I'm going to reference this post. :D
by simmias
Thu Sep 28, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14754

Re: Why do you LBYM? Why do you save and invest?

I started life as a profligate spender, had an epiphany right before I turned 30 that the lifestyle was unsustainable, and have been LBMM ever since. But that wasn't enough. Going through the recession in constant fear of losing my job made me never want to be in that position again, so I started re...
by simmias
Thu Sep 21, 2017 3:16 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24301

Re: I won the Lottery. Need sound advice.

As someone mentioned earlier, the "two chicks" quote was definitely a reference to Office Space. It sounds like some of you need to drop whatever you're doing and watch it. OP, read "The Millionaire Next Door." Then start reading the Mr. Money Mustache blog. I agree with most everyone else about you...
by simmias
Mon Sep 18, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1348

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. That works just fine when buying products made by a corporation whose execut...
by simmias
Mon Sep 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1348

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. The problem is that never happened with the Nintendo mini. There was a limit...
by simmias
Thu Sep 14, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2224

Re: Problems obtaining a free annual Equifax credit report online

I've gotten a similar message from Experian ever since news of the hack.
by simmias
Sun Sep 10, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Independence Mindset
Replies: 83
Views: 6833

Re: Financial Independence Mindset

WanderingDoc wrote:
Sat Sep 09, 2017 9:41 pm
I am in my early 30s, and I have $3000-4000 in net passive monthly income through real estate.
Do you hire out the property management?
by simmias
Wed Sep 06, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4919

Re: Do I need an Amazon Echo??.....

In this thread, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=227099&start=100 several people have reported Echo as something they regret getting. Victoria If "several" means "two." :P More people in that thread were defending it from what I read. I received mine as a gift and thought I wou...
by simmias
Mon Aug 21, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 2829

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I try to go to a movie once a week. I love movies, and I like to support the industry. Theaters have gotten much nicer in our area. Many now have spacious stadium seating with assigned seats, and my favorite brings me brownie sundaes with the flick of a button. One thing that annoys the heck out of ...
by simmias
Sat Aug 19, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6151

Re: Where to buy glasses for eclipse viewing ?

Good idea to "test" them beforehand. You should NOT be able to see anything - no light bulbs, no headlights, etc. - OTHER than the sun itself! While this is true, it's incomplete and I don't recommend using a pair of glasses you aren't sure about on the basis of this test. The important trait of ec...
by simmias
Sat Aug 19, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6151

Re: Where to buy glasses for eclipse viewing ?

Given that some counterfeits are also copying all of the "credential verbiage", how can you be sure they are "okay"? We got ours directly from the manufacturer, and still this is a bit nerve-wracking... With most things, if one gets a "fake", it's just an aesthetic or durability problem, not a pote...
by simmias
Sat Aug 19, 2017 3:56 am
Forum: Personal Finance (Not Investing)
Topic: New job, life changes
Replies: 26
Views: 2202

Re: New job, life changes

My 401k is at the principal group, but one of the odd arrangements they're doing is not having *any* funds from the principal group and only using low cost external funds. They're keeping vangaurd admiral index funds as an option. They're actually switching from vangaurd to this new provider about ...
by simmias
Wed Aug 16, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1809

Re: what % of international stock

parsi1 wrote:
Wed Aug 16, 2017 8:17 am
I am in vanguard target retirement 2025, the international portion is close to 25%
But it's 40% of total equities.
by simmias
Sat Aug 12, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 17
Views: 1957

Re: Redfin

I think Redfin's model is the future, with agents as employees instead of independent contractors. I don't think agents are ever going away - too many people need too much handholding when buying or selling homes. I do think that commission models are hanging on for dear life, though, and that we'll...
by simmias
Fri Aug 11, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 6802

Re: Free Reading

gkaplan wrote:Still waiting for a response from rgs92.
Why so confrontational? I imagine the 10 or so people who responded to him/her argued the point well enough that there's no need to respond.
by simmias
Thu Aug 10, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3979
Views: 1060006

Re: U.S. stocks in freefall

You guys are poking the bear, in a manner of speaking.
by simmias
Wed Aug 09, 2017 6:06 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 4371

Re: Deja Vu.. are there too many houses for sale?

I didn't realize there were so many Charlotte bogleheads here. Anything under $300k sells almost immediately here, while inventory priced higher than that sits longer. Prices are climbing due to our low inventory. In the city we're at like 1.5 months of inventory. Builders are only getting financing...
by simmias
Thu Aug 03, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 7972

Re: How far off are Zillow's estimates?

That's really strange. I'm able to log in and change all of my house's data (square footage, number of rooms, etc.). Maybe it's because my house isn't for sale? Perhaps it's different if the house is actively listed? Did you pursue it further? That's a situation that likely would have prompted me t...
by simmias
Tue Jul 18, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 7397

Re: 4% mortgage rate vs 2.5% BND yield

Ironically, there have been polls that have shown that about 2/3 to 3/4 of taxpayers are opposed to eliminating the mortgage interest deduction, even though only 1/4 of them get any benefit from it at all. That's proof of how powerful the hype is from the mortgage/banking/housing industry. Perhaps ...
by simmias
Mon Jul 17, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 3001

Re: Would you look for a general handyman for these home jobs?

2. Install a quality filter system on our furnance, replacing the cheap disposable filters that are down there now (already bought the proper filter) Off topic: Cheap disposable filters work without putting a strain on the unit like the thick paper ones. 3M did a study years ago. Might be a biased ...
by simmias
Sun Jul 16, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 5050

Re: Buying beach bungalow in San Diego for Winters

* Pizza. If you live in Chicago, you're probably used to good pizza. We don't have much in the way of good pizza in this time zone. There's one good place in south Orange County. I liked Bronx Pizza when I lived in San Diego. I'm not sure if it's still good. Food almost anywhere is going to be disa...
by simmias
Thu Jul 13, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5395

Re: When to max out 401k (Aspiring Early Retiree)

And I believe the number lenders use is 28%.
by simmias
Thu Jul 13, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Rent, buy, live at home?
Replies: 7
Views: 923

Re: Rent, buy, live at home?

(Property in North Carolina is cheap). Where in NC? Properties in places like Charlotte and the Triangle are becoming increasingly more expensive, and the price range you'll be searching for has ridiculous demand. Almost anything decent under $250k is getting multiple offers the day it lists. Also ...
by simmias
Wed Jul 12, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5400

Re: Cutting the Cord: Who's Best?

I liked PSVue when I had a trial. I had issues with Sling when I tried it a year or so ago, but I bet that was more due to my awful Time Warner internet. I bet it would be much better now that I'm on fiber. These days I just wait for shows to hit one of the streaming services, though, and make do wi...
by simmias
Tue Jul 11, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10111

Re: [Amazon Prime Day]

My wife picked up some legos for my sons b-day this month $17 instead of $60. There were some other lego sets that were good prices as well but sold out quickly. I think that was a glitch. Several video games were affected as well. I picked up the new Crash Remastered collection for $6.50, for exam...
by simmias
Fri Jun 16, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 41228

Re: Regret early retirement/downsizing

Maybe we should change the title of this thread to "Extroverts don't understand introverts and feel the need to judge them."
by simmias
Fri Jun 16, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15813

Re: Capital One $400 bonus for new checking account

Unfortunately I think I'm ineligible due to having an ING Electric Orange checking account in the past.
by simmias
Fri Jun 16, 2017 5:01 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 6744

Re: Beware Citibank Bonus Promotion

I signed up for the $400 bonus on $15,000 and left the money there for the required time. When I went to have $15,400 transferred to my home bank account Citi would only let me do it in $2,000 increments. Five days ago, I phone customer service and was told I could have a check for the full amount ...
by simmias
Wed Jun 14, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6938

Re: Do You Take Your Credit Card Receipts?

I used to get one for every transaction, put it in my Costanza wallet, enter it into Microsoft Money eventually, and then reconcile my accounts every month. After years of doing this, I concluded this was a gigantic waste of time. The only errors I ever found were restaurants or bars that entered an...
by simmias
Wed Jun 14, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4312

Re: Password Managers

I used Keepass for many years before switching to LastPass two years ago. Keepass is good, but I ended up going with Lastpass because of its ability to sync multiple devices instantly. I use it on a computer, two tablets, and a phone. Like all password managers, it has its quirks, but you can try i...
by simmias
Wed Jun 14, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Expenses out of line?
Replies: 16
Views: 711

Re: 401k Expenses out of line?

The fees seem excessive to me and I would think your company could do better. I've worked for small companies in the past without having to pay such high fees so I believe the capability exists. One such plan was a company with less than 30 people and the plan was administered by Fidelity. This was...
by simmias
Fri Jun 09, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 7107

Re: How to deal with a personal finance cynic

I am curious as to what you mean by "in general just absolutely out of touch with reality"? Especially in conjunction with people who are "smart and knowledgeable." Posters try to respond to the circumstances of the people posing questions. How is that being out of touch with reality? There's a goo...
by simmias
Thu Jun 08, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 7107

Re: How to deal with a personal finance cynic

My first experience with Bogleheads was years ago after receiving recommendations on Fatwallet Finance. I found the forum overwhelming and a bit intimidating, despite the incredible generosity of almost all of the posters. I didn't return for several years. I think some of you forget (or just don't ...
by simmias
Wed Jun 07, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 2723

Re: Thoughts on emergency account amount.

I calculate mine using my current spend rate, which is probably shockingly low by Bogleheads standards and shockingly high by MMM standards.

I keep two years because I'm weak-minded, but that could stretch to two-and-a-half in a jam. Once my house is paid off in a couple of years I'll readjust.
by simmias
Sat Jun 03, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3769

Re: Book - The New Retirementality

Vanguard Fan 1367 wrote:I tried googling MMM. What does it mean?
http://www.mrmoneymustache.com/
by simmias
Thu Jun 01, 2017 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 5562

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

Zillow estimate are worthless in my city. Worse than worthless actually, actively misleading. Perhaps their algorithms perform better in your city, but I wouldn't put much stock in it. Indeed. The county I live in recently appraised our home for property tax purposes and come up with a number. Zill...
by simmias
Tue Apr 25, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 22155

Re: Any regrets living a frugal life for high income/high networth individuals?

I have a friend who is ultra frugal like many on here and retired at 45. Now 50, he is bored. Nobody else within +/- 10 years of his age is retired so he and his wife have nobody to do things with on weekdays. Recently he started driving uber just to have something to fill his time I think... That'...
by simmias
Sat Apr 08, 2017 2:32 am
Forum: Investing - Theory, News & General
Topic: Kindle Specials on Four Pillars and If You Can
Replies: 22
Views: 3548

Re: Kindle Specials on Four Pillars and If You Can

And you missed it by about 10 minutes. They just changed the price back over about 15 minutes ago.
by simmias
Tue Apr 04, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6309

Re: Early retirees - how did you inform your loved ones and friends?

Cyclesafe wrote:with no offers (just a come-on from the "ladies" on 7th avenue)

I hope you took some comfort there.
by simmias
Mon Apr 03, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend interest not showing today
Replies: 9
Views: 995

Re: Netspend interest not showing today

Mango finally showed up for me.
by simmias
Sun Apr 02, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 22794

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Being back on the east coast, I definitely miss In-N-Out. Going there always felt like an event. Five Guys may be tastier, but it's way pricier and greasier. And I love a good, cheap In-N-Out milkshake. I'm surprised nobody's mentioned that In-N-Out is definitely the best fast food chain at proselyt...
by simmias
Sat Apr 01, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend interest not showing today
Replies: 9
Views: 995

Re: Netspend interest not showing today

Yup, same for me, three Q1 statements received today with no interest.

I also got no interest with my Mango account.

Insight showed up just fine.

Honestly, I wouldn't be sad if the Netspend accounts all went away just for simplicity's sake.
by simmias
Thu Mar 30, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4958

Re: Is the secret to getting wealthy...

So, you're a blogger retiring on a budget of $40,000 or even $7,000. And now your blog is starting to pull in revenue that's multiples of your yearly budget. Now what? You give away your blogging revenue to charity? Or you keep it, and try to keep pretending that your budget is only $40,000 0r $7,0...
by simmias
Mon Mar 27, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7557

Re: Weathering sell-off days like today

Ha, I just noticed the username. Surely a troll post?