Search found 220 matches

by simmias
Tue Aug 07, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2438

Re: Getting the stink out of synthetic shirts

Here's an old trick I remember from my track team days that I still use to this day with success: Bring your sweaty clothes with you into the shower! Just throw them on the floor, stomp on 'em a bit while you are busy showering, then rinse, wring and hang.
by simmias
Thu Jul 05, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5612

Re: How to tip

student wrote:
Thu Jul 05, 2018 1:49 pm
BradJ wrote:
Thu Jul 05, 2018 1:13 pm
I will echo back what most people are saying, tip based on after tax bill.
You are technically correct but it seems the opinions are pretty evenly divided. I counted 16 to 14 including yours.
Make that 17 then.
by simmias
Wed Jun 27, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10588

Re: Lost out on promotion

Promotions happens for all sorts of reasons, but usually not merit. Suggest you read The Gervais Principle by Vankatash Rao on the organization of work. He groups workers in three categories: sociopaths, clueless, and losers. I'm a loser or sociopath, depending on who you ask (my boss or reports). ...
by simmias
Mon Mar 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4074

Re: Etiquette of hanging up on live telemarketers

P.P.S. Does anybody know why these scammers rarely give a name to the company they are calling from, but use vague descriptions, like "the chimney service?" For example, why do the heavily-accented voices over the really bad connection from "the Windows support center" call it that, instead of sayi...
by simmias
Tue Feb 27, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 281

Re: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

If you're asking if you should "undo" your $60 non-deductible contribution, I don't see the point. Just leave that amount as basis in traditional IRA's for future years. This is what I was asking - sorry for the confusion! I was really asking if it's worth the annoyance now to unwind the $60 to avo...
by simmias
Tue Feb 27, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 281

Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

Last year I invested $5,500 in a traditional IRA at the beginning of the year, but at year end it turns out $60 of that portion was non-deductible due to my MAGI being slightly higher than anticipated. I have already filed my 2017 taxes, and I submitted the form 8606. Is this going to be a big enoug...
by simmias
Fri Feb 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1573

Re: Can the real estate market crash if there's no inventory?

Low supply and high demand is a recipe for rising prices, at least in the short to medium term. In the longer-term, I would expect high prices to attract more supply, and higher interest rates to reduce demand somewhat. At some point, especially in urban areas, there's only so much supply that can ...
by simmias
Fri Jan 26, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 23317

Re: I bought a stock today - Redfin (RDFN)

I do like Redfin's business model. I think it's the future of the industry, and Kelman is definitely impressive. I'm surprised that the courts have allowed brokerages to maintain their sham of an independent contractor relationship with their agents. It's only a matter of time before some of these c...
by simmias
Fri Dec 15, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 25
Views: 3245

Re: Takata Airbag Class Action Settlement

Of course I opted in. Up to $250 for a few keystrokes? Yes, please.
by simmias
Sat Nov 18, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5261

Re: Replace TVs with Smart Tvs or not?

At two hours watching a day you are not a casual TV user in my mind, you are heavily using your two TV screens Multiple studies have shown that the average American watches five hours of TV a day. I'd say that makes his two hours pretty casual in comparison. OP, I echo the majority of the thread in...
by simmias
Sat Nov 11, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7997

Re: Swedish Death Cleaning

I read Marie Kondo's book about a year ago and was able to get rid of about half my clothes. It was incredibly liberating. However, I got stuck on books - for some reason, I have an incredibly hard time getting rid of them. Sentimental items were also a no-go. I need to revisit the decluttering. The...
by simmias
Sat Nov 11, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 11471

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

OP: Everyone has a brand, a schema by which they are known. Do you really want your brand to be associated with a lack of fashion sense and eccentricity? Wouldn’t you rather be known as the smart/creative/reliable/<insert here> coworker/subordinate/ prospective promotee? Fifteen pieces of flair is ...
by simmias
Sun Oct 29, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 22157

Re: Early-retired 35 year old with $1 million

eye.surgeon wrote:
Sun Oct 29, 2017 4:11 pm
I guess I was using hyperbole to make a point, that being someone who has amassed $1m @ 35 yrs old is unlikely to be satisfied living on $30k/year.
But he amassed $1m @ 35 yrs old by living on $30k/year.
by simmias
Fri Oct 27, 2017 3:32 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3799

Re: Upgrade my Roku?

The Roku 2 got an upgrade to its processor a few years ago, so if you're running on one made before 2015 or so I'd say it's worth an upgrade to the newer 2. The increase in responsiveness is night and day between the old model and the newer one, and they're relatively cheap.
by simmias
Wed Oct 25, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 4860

Re: Amazon kindle paperwhite

I love love love my paperwhite. Great for night reading, outdoor reading, traveling, etc. The battery lasts forever and it's the easiest device on my eyes by far.
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: 1974

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: 2275

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: 9019

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: 9019

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: 17959

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: 17959

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: 28894

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: 21
Views: 2268

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: 21
Views: 2268

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: 34
Views: 11544

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: 7986

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: 6452

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: 4119

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: 7697

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: 7697

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: 2815

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: 36
Views: 3291

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: 29
Views: 5287

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: 8447

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: 6714
Views: 1462971

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: 5220

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: 9602

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: 8981

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: 3512

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: 5983

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: 6487

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: 1075

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: 51
Views: 7264

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: 11540

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: 48618

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: 19313

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: 8408

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: 9024

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: 5907

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...