Search found 1745 matches

by BW1985
Fri Sep 15, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

Having thought about it, I think I will sell the 6s for about $200 back to Verizon and go with the smaller sized 8 with lower capacity (everything going cloud anyways) which should cost around $500 bought in a sales tax free state and hope I have $200 in residual value in 2 years when the next cycl...
by BW1985
Thu Sep 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...
by BW1985
Wed Sep 13, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

Anyone have any negative experience with buying a refurb directly from Apple? You get the same 1 year warranty as a new phone but save around $100 off the new price.
by BW1985
Wed Sep 13, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

Here are the new prices of all iPhones. https://www.theverge.com/circuitbreaker/2017/9/13/16300850/iphone-price-cuts-apple-event-se-6s-7-8-x-differences What I don't know is whether the Apple Stores will continue offering their recycling buyback discounts when you bring in your old iPhone. By disco...
by BW1985
Wed Sep 13, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

From William Bernstein's "If You Can. How Millenials Get Rich Slowly": https://s26.postimg.org/5uuxacnah/Capture.jpg source: https://www.etf.com/docs/IfYouCan.pdf Fair point, but I'm willing to bet most people who are shelling out for the "X" model aren't going to be at the median income. A $1,000 ...
by BW1985
Tue Sep 12, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

sunny_socal wrote:
Tue Sep 12, 2017 3:45 pm
Cash wrote:
Tue Sep 12, 2017 3:37 pm
GuitarXM wrote:
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.
So yes it does have new features, true.

Are there any that are truly important?
I think the wireless charging is cool. I'm not sure it's worth the price tag but it's cool.
by BW1985
Tue Sep 12, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 33721

Re: Iphone X is $1000

Will the prices of the 6 and 7 models drop now that the 8 and X are out?
by BW1985
Tue Sep 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23870

Re: Is it really Worth it to brown bag your lunch at work?

We cook on Sundays and make enough food for the weeks lunches and dinners. We spend more on groceries than the average couple but we're okay with that.

My wife will eat lunch out occasionally because we cook very healthy and she enjoys the occasional meal out to splurge whereas I do not.
by BW1985
Tue Sep 12, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Negotiating with Charter/Spectrum
Replies: 10
Views: 2208

Re: Negotiating with Charter/Spectrum

Is the streaming cable app available in your area? I pay $30/mo for that incl. tax + $45/mo for internet so my bill is $75 total.
by BW1985
Tue Sep 12, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 13954

Re: Anyone else freeze their credit score?

I'm going to freeze my file with Chexsystems and Innovis, but not with TransUnion, Experian and Equifax. There are no fees for freezing my file with the first two companies, plus I don't chase bank bonuses so I don't see a need for me to unfreeze my Chexsystems report anytime in the foreseeable fut...
by BW1985
Tue Sep 12, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 13954

Re: Anyone else freeze their credit score?

I'm going to freeze my file with Chexsystems and Innovis, but not with TransUnion, Experian and Equifax. There are no fees for freezing my file with the first two companies, plus I don't chase bank bonuses so I don't see a need for me to unfreeze my Chexsystems report anytime in the foreseeable fut...
by BW1985
Tue Sep 12, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 13954

Re: Anyone else freeze their credit score?

If they have all your info, whats to stop the hacker from unfreezing your credit reports?
by BW1985
Tue Sep 12, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 13954

Re: Anyone else freeze their credit score?

Vanguard has a computer access restriction option where you can choose to only allow previously known devices to access your account.
by BW1985
Mon Sep 11, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2478

Re: AirBnB Hosting - In lieu of traditional rentals

Son is a superhost. He owns. He is single in a townhouse. A roommate @1000/mn has a lot of issues. Rent agreement, housekeeping, kitchen, parking, compatibility,etc. He Airbnb's year round but almost entirely over better 4 months of the year and some holidays. Earns about 10K +/-. for less than 90 ...
by BW1985
Thu Sep 07, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 4572

Re: Couple in early 30s, any changes?

I didn't know MD's can make 500K a couple years out of residency. Wowzers :shock:
by BW1985
Wed Sep 06, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 13628

Re: When calculating net worth, how do you value your house?

Why is this so controversial? It's the market value of your home minus the mortgage balance. It is not the purchase price, or the appraised value, or the fire sale price. Net worth is a current snapshot in time of your financial worth. If someone were to ask me my net worth, the only correct answer...
by BW1985
Mon Aug 21, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 20352

Re: Jobs that pay over $100,000

Agree with the sentiment that "do what you love" is generally BS. Some folks are fortunate to have a perfect storm of a career they love that pays well. On the other hand, you can have a job you simply like (or more importantly are good at) and live a happy, fulfilling life. I was a CPA in private ...
by BW1985
Mon Aug 21, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 5310

Re: Thoughts on Chase for everyday banking

I'm a big fan of Chase. I moved a few years ago and no longer have branches near me but I kept my banking with them. I realized with technology I don't even need a branch.
by BW1985
Tue Aug 15, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 12971

Re: Is $9000 too much for a sectional sofa ?

Room & Board has been mentioned a few times. I picked up a chaise sofa off Craigslist like new for $130 that costs $1500. That was a good find. If it gets stained I won't have a meltdown.
by BW1985
Tue Aug 15, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 12971

Re: Is $9000 too much for a sectional sofa ?

My parents friends spent 10k on a sofa. They're middle aged, upper middle class and have no kids. So not everyone thinks it's too much.

I would bet most Bogleheads think it is though.
by BW1985
Tue Aug 15, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 12971

Re: Is $9000 too much for a sectional sofa ?

There's no way I would spend that kind of money on furniture if I had kids, I probably wouldn't spend it anyways but definitely not if I had kids. I'm just picturing my freak out when the first food or drink is spilled, it ain't pretty. Now whether that's a fair price for a custom sofa of this quali...
by BW1985
Tue Aug 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 9780

Re: Drinking water price craziness

I think it's just Marketing and Branding. Dasani, Aquafina, Absopure, etc. are all purified bottled waters. Ice Mountain is a spring water but because of marketing some people probably choose the other brands even if they cost more. Personally I just use a Berkey water filter at home and fill my Tak...
by BW1985
Thu Aug 10, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18832

Re: What Percentage CASH are you?

85/15 with the 15 being cash.

I have be reluctant to lock that into CD's or buy bonds with the current interest rate environment.
by BW1985
Thu Aug 10, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 22120

Re: Life at crossroads. What would you do ?

Guys I'm not whining or being negative intentionally. Just stating my concerns. Moving to LCOL sounds awesome except when you think about the practicalities of getting a job and networking. If I can't get a job with my connections in the valley what chance do I have outside the valley. I don't know...
by BW1985
Mon Aug 07, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 8649

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

The PP value depends on where you're traveling. The MSP Escape lounge is okay but it's in terminal 1 and Southwest is out of terminal 2 so I don't even get to use it when I'm traveling for pleasure. Hasn't been all that valuable to me so far.
by BW1985
Fri Aug 04, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3013
Views: 591521

Re: What's Your Credit Card Rewards Strategy?

Anyone else notice the Hyatt card changed? It used to be 2 free nights at any property worldwide now it's just 40K points.. :confused
by BW1985
Thu Aug 03, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 11454

Re: Burned out at 28. Do I have enough?

Plenty of people live a great life making less, you don't have to deal with the higher paying job if you don't want to. It's up to you, don't need approval from this board. If you had a spouse then their input would matter but you're single. The fact that you have a good head start is great but not ...
by BW1985
Mon Jul 31, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 7790

Re: Non Stick frying pan

We have Cuisinart Green Gourmet (ceramic) frying pans. They lose their true non-stick after time but I use butter to cook eggs and coconut oil for other things.

Other cookware we have All Clad stainless (not non stick).
by BW1985
Sat Jul 29, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 5894

Re: Which Credit Card Companies Do You Like?

Chase for everything. Occasionally churn others but close them after.
by BW1985
Mon Jul 24, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2296

Re: Garage Remodeling

Cleaned and acid-etched floor, and allowed to dry (very important to be thorough with this step) Two coats Rustoleum epoxy (with the flakes) and one clear coat with the traction sand (It's important to not use a water based epoxy if you really want it to last - get the good stuff which is not avail...
by BW1985
Mon Jul 24, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 12943

Re: % bogleheads of overall population

Literally none of my peers have heard of bogleheads, yet all of them are in index funds as their only investments. Not sure how they figured it out but it's possible for people to have bogleheads style portfolios without reading this website. Only thing I do mostly because of bogleheads that they s...
by BW1985
Mon Jul 24, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: PMI - Why So Much Hate? [Private Mortgage Insurance]
Replies: 13
Views: 2106

Re: PMI - Why So Much Hate?

It's just an avoidable expense. You're paying to insure someone else's interests.
by BW1985
Mon Jul 24, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 10967

Re: Anyone else extremely frugal?

I'm frugal when it comes to "experiences". I hate to spend money eating out, and it's hard for me to spend money on a vacation. I also hate buying flowers for my wife, or anything else that is temporary. But if I need a tool, or a vehicle, or an appliance, I'll buy the best I can find that will las...
by BW1985
Wed Jul 19, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 8888

Re: Those Of You In a HCOLA - What's Your Financial Plan

As for how to manage other goals, my plan is to move to a LCOL area. I grew up in the Midwest, and I just don't see how I can have the same standard of living out here. I want my kids to be able to run around in a big backyard, and here that'll set you back a million dollars. My plan is to save up ...
by BW1985
Wed Jul 19, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 8174

Re: Most Americans don't trust financial advisers

Sadly too many of them still do though.

There's a reason the big boys they work for don't want any regulation/reform, it might stop the gravy train..
by BW1985
Wed Jul 19, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Where did you make your wedding album?
Replies: 8
Views: 1208

Re: Where did you make your wedding album?

We used Shutterfly and were happy with what we got. Didn't want to spend a lot on a book that sits in the closet.
by BW1985
Tue Jul 18, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 9120

Re: The Quest for Perfection

That portfolio would give me a headache. I own 3 funds.
by BW1985
Tue Jul 18, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2645

Re: Do you guys accept first Job offer or negotiate?

What is the supply vs demand for your position? I took my first (and only) job. Ideal geography, terms, people, slightly low pay first 2 years. 10 years in and having hired 10 colleagues, I know that we think ill of ones trying to negotiate terms. We rescind and move onto the next, since we have in...
by BW1985
Sat Jul 15, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 23326

Re: How are folks handling the unprecedented rise in the market ?

The Wizard wrote: Total international is up 17% YTD
I had no idea.. wow.

85/15 equities/cash. Haven't done a thing.
by BW1985
Thu Jul 13, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 9294

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by BW1985
Thu Jul 13, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 9294

Re: Cheap eggs... how bad?

Massachusetts recently passed a bill requiring egg laying chickens to be housed in a space that averages at least a letter sized piece of paper per chicken. It was vehemently opposed by the industry. That should give you an idea about the conditions under which the chickens live. Because cramming c...
by BW1985
Thu Jul 13, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 9294

Re: Cheap eggs... how bad?

There is a difference, but you won't see it between grocery chains. We live in a town with lots of family farms, once in a while for a treat my wife will get eggs from the local farmer... around $2-$4 a dozen. The yolks are not yellow, they are dark orange. And the flavor is so different grocery st...
by BW1985
Thu Jul 13, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 9294

Re: Cheap eggs... how bad?

Factory farmed eggs, probably from battery caged hens that can't move. I'd say really bad.

Quality > Quantity. I'd rather have 1 dozen eggs from pasture raised hens than 10 dozen factory farmed.
by BW1985
Thu Jul 13, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 5888

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the...
by BW1985
Thu Jul 13, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 5888

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the...
by BW1985
Thu Jul 13, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 10260

Re: Do you consider business travel to be a perk or a burden?

Of course, it is a negative. It is like asking if a long commute is a perk or a burden. Also, I would say it is an uncompensated expense. As a represented employee I was compensated for "commuting", I travailed on company time. Room and board were covered, I made a few dollars on food and didn't st...
by BW1985
Wed Jul 12, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 2264

Re: Benefits of real estate agent for buying new construction?

No one protects your interests like you. No one. Especially not a real estate agent. Certainly, the same could be said to be true of anyone who provides a service to you, from your banker to your waiter, but the seller's real estate agent explicitly represents the seller's interest, not the buyer's...
by BW1985
Wed Jul 12, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 2307

Re: Credit card vrs checking account for utility bills

I have changed all my recurring bills - that will allow it without a fee - to cashback cards for the points. This includes, cell phones, ISP/cable and my insurance company. Gas bill, electric bill, water bill, trash bill, all charge convenience fees so we pay those with electronic billpay at the ba...
by BW1985
Wed Jul 12, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 2264

Re: Benefits of real estate agent for buying new construction?

The main advantage that I see to using a buyer's broker is to have someone who represents your interests rather than the seller's interests and of course to help screen and narrow down your choices to find the right property. I've never fully bought into this line of thinking. At the end of the day...