Search found 265 matches

by wabbajack
Mon Oct 01, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 77
Views: 9736

Re: Bose Noise Cancelling Headphones

Feel like Bose is way overpriced and over rated, good PR. My guess is that most who are suggesting them have never really experienced any of the newer, and significantly more cost-effective, alternatives. If you're going to be using them a significant amount of the time (flying, office, etc.), why ...
by wabbajack
Mon Oct 01, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3674

Re: New Apartment, city noise

I'm a city guy, and I sympathize with the noise - but why is it better in the country? On the occasions I have been out hiking/camping, I hear bugs humming - which can get really loud to the point that it interferes with sleep. I recommend fans or soft classical music in the background. Give it a we...
by wabbajack
Mon Oct 01, 2018 1:08 pm
Forum: Personal Investments
Topic: New immigrant with complicated situation
Replies: 24
Views: 2931

Re: New immigrant with complicated situation

thank you for your all wishes and helps. I am sorry that I don't clarify. We settled in jersey city near Manhattan to be near my daughter. And apply for Medicaid in NJ, and they accept that. Maybe because of the unique situation of my wife. And also I got my PR several years ago but recently reloca...
by wabbajack
Mon Oct 01, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 15182

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I'm not sure I would have replied to his survey. And once he put in the dollar bill "as a token of his appreciation," just seems to de-legitimize his request. I'm not sure that many higher-income professionals with busy lives had the time or inclination to respond to his offers. At another point in...
by wabbajack
Mon Oct 01, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 10742

Re: Suze Orman - "I hate the FIRE movement."

You might retire at 45 and due to unforeseen events be forced to go back to work at 55. Or, you might retire at 70 in order to minimize financial risks, and then die at 71. There is no risk-free time to retire. Aye. The concept of retirement is barely one century old. There are an immense number of...
by wabbajack
Mon Oct 01, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7443

Re: New Relationship - Best way to handle finances?

She seems to expect me to pay for everything and things are adding up quickly. Is it fair to split expenses at this stage in our relationship? Absolutely! Times have changed. My daughters are both in their early twenties. They tell me that on a first date they offer to split but oftentimes the male...
by wabbajack
Mon Oct 01, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Auto Deductibles
Replies: 19
Views: 1634

Re: Auto Deductibles

The conventional wisdom on Bogleheads is to have high auto deductibles for comprehensive and collision if you can handle that amount in the event of a claim. $500 or more is usually recommended. So, since one of my car policies is up for renewal, I asked my State Farm agent about how much I could s...
by wabbajack
Mon Oct 01, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: When the $2000 deductible bites you in the rear end!
Replies: 30
Views: 4391

Re: When the $2000 deductible bites you in the rear end!

You gambled, you lost, but it's apparently not a major financial hit. There are plenty of things going on in the world to feel sick over before I'd feel sick over this. +1 You made a decision to accept a higher deductible in exchange for savings in insurance premiums. You made a conscious decision ...
by wabbajack
Mon Oct 01, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Cut back on 401k contribution to build HSA?
Replies: 11
Views: 955

Re: Cut back on 401k contribution to build HSA?

I’ll be starting an HSA this year and my employer matches up to $2,000. I assume I should contribute up to $2,000. If I contribute more I will have to reduce my 401k contribution. Should I bulk up the HSA now or rely on a hardship withdrawal from an IRA or 401k in the event of a medical emergency? ...
by wabbajack
Fri Sep 28, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 28258

Re: What is your single most expensive mistake?

Buying a house in 2007. Peak of the local market. It's still worth 40k less than we paid for it despite spending another 20k on renovations. Ouch. A common misconception is that spending $ on renovations somehow increases the value of a house beyond the $ spent. Don't take my word for it. Look at t...
by wabbajack
Fri Sep 28, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 8053

Re: cleaning lady stealing

Current plan is to just drop w/o a fuss, period, nothing else. Sure if I was a saint, I would contact owner, file police report (fuss and reprisal?), change keys at ?$300 ish and tell coworker (have to tell about opioids etc which might be misconstrued). Your thoughts? Tell the owner. She/he needs ...
by wabbajack
Fri Sep 28, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 18374

Re: iPhone XS Max

No one is getting upset. This is a personal finance forum so if you want to justify your purchase you'll get the flip side which is how overpriced iphones are for what you get. Buying a brand new iphone these days is a splurge. But yes it is your splurge so go for it if you want. Have fun with it. ...
by wabbajack
Fri Sep 28, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 6407

Re: Geico umbrella us dropping me. What can I do?

There is an system call CLUE that reports all of you insurance claims sort of like how the credit reporting companies report your credit history. You can also get a free report from them to see what is on your history. It would be good to get that to check to make sure that there are not any errors...
by wabbajack
Fri Sep 28, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7443

Re: New Relationship - Best way to handle finances?

Please describe the last time she paid for something that was for you or the both of you. I look out for things like these when I'm dating. I'm the male and have high income, so the default is that I do end up paying for everything. But when the female offers to pay, I take notice. You've been out o...
by wabbajack
Wed Sep 26, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 18374

Re: iPhone XS Max

I always find it funny when people get all uppity about the new iPhones. The fact is that the phone is likely the number 1 used piece of equipment/device/accessory/etc. by nearly everyone in the country besides their bed. If you think it is too expensive just buy a cheaper alternative, but don’t co...
by wabbajack
Wed Sep 26, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3755

Re: Am I using facebook correctly?

The algo-s are being designed to train you, not so much the other way. Not sure I follow what you mean by this? https://www.theodysseyonline.com/facebook-brainwashing-time-pay-attention The interface is designed to keep you engaged and 'nudge' you in various ways. It doesn't suit their purposes to ...
by wabbajack
Wed Sep 26, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3755

Re: Am I using facebook correctly?

There is an obvious solution. I highlight my family members so that I see their posts first. Unfollowing 90% tends to be counter productive because then facebook doesn't know what to show you, and so you will end up getting irrelevant material. Also let me point out the 2 obvious issues: 1) Posts ar...
by wabbajack
Wed Sep 26, 2018 10:43 am
Forum: Personal Investments
Topic: New, and trying to learn about 3 fund portfolio and more retirement issues
Replies: 35
Views: 2215

Re: New, and trying to learn about 3 fund portfolio and more retirement issues

I look around me, and see that I make over 6 figures and can't barely afford a new car, like a chevy traverse $35,000. thats a 5 year almost 700 a month payment after taxes. My mortgage is only 150k. Most people have 300k+ mortgages. We have no vices, such as drinking or gambling, etc. We take free...
by wabbajack
Wed Sep 26, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: First time home buyer and Rookie investor looking for advice on home buying process [Updated]
Replies: 20
Views: 1358

Re: First time home buyer and Rookie investor looking for advice on home buying process

Congratulations on your house! If you both love the house, $5k is nothing to lose sleep over. Sorry about the $400/month property tax. Start putting away 1% of the house price in a separate fund for the inevitable maintenance and repairs. (That's $3k for you) Don't get stressed out about not saving ...
by wabbajack
Wed Sep 26, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 5022

Re: Anyone ever tired of managing hair and consider shaving to go bald

No one is going bald by choice... If you are balding bad thinning hair everywhere, with receding hairline, thinning at the crown, shaving it all isn't a bad choice. Nothing is more pathetic than the dude who is holding his last remaining hair. OP doesn't mention their situation. Are they losing hai...
by wabbajack
Wed Sep 26, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8195

Re: Fed up with health insurance situation

They make few healthcare decisions based on economics because 1) they aren't paying all/most of it and 2) they aren't even aware of what anything costs. I don't think this is true anymore. Most people have huge deductibles now (a lot more skin in the game) to be paid out of pocket long before insur...
by wabbajack
Tue Sep 25, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2839

Re: Invisalign and Dentist pricing

Don't ask doctors/dentists what anything costs. That's not their job. You would rather they focus on the treating people knowledge, not the navigating insurance/payer relationship knowledge. It sounds like your dentist assumed you have insurance, which is probably >90% of patients. Look up to see if...
by wabbajack
Tue Sep 25, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8195

Re: Fed up with health insurance situation

It's a classic "commons dilemma," where people's short-term selfish interests (low insurance premiums) are at odds with long-term group interests and the common good (having an ACA-like health insurance option available for everyone who needs it). There is a heavy incentive to "cheat," for example,...
by wabbajack
Tue Sep 25, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8195

Re: Fed up with health insurance situation

Interesting discussions - particularly those from the employer (buyer's) side of the equation. Someone mentioned association health plans (AHPs), which allow small business to band together for the purpose of obtaining insurance. I seem to recall my old actuarial study material saying something abou...
by wabbajack
Tue Sep 25, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 6217

Re: Ripped off by a locksmith

I did learn my lesson though. I got an electronic lock I can unlock with phone or keypad. It works on battery in case power goes out. Can it be hacked? Maybe. But apparently you can also just drill through the deadbolt anyway... It takes more sophistication to hack a keypad than to drill a deadbolt...
by wabbajack
Mon Sep 24, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5609

Re: Vacation without saving adequately?

I cant really think of any dollars that I miss. I can think of a couple times where I wish I would have spent more on a certain experience. Take the vacation assuming it wont cause much hardship to replenish the funds. Worst case is you have to say no next year or take a cheaper vacation. When some...
by wabbajack
Mon Sep 24, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5609

Re: Vacation without saving adequately?

Happy to hear most people telling you to take the trip. I concur. Title is misleading. You are in fact saving adequately. You're just going to have a larger than normal expense that you'll pay for by staying home for a couple of months after. Personally, I wouldn't even penny-pinch on the details. S...
by wabbajack
Mon Sep 24, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 6217

Re: Ripped off by a locksmith

greg24 wrote:
Mon Sep 24, 2018 12:43 pm
Be glad they came and got you in the house. At most, you were "ripped off" for $27.50, money that went to the guy you had woken up to answer your emergency.
+1
Ask for the $27.50 back. That's like a server at a restaurant giving themselves a bogus tip.
As for the rest of it, sounds fair to me.
by wabbajack
Mon Sep 24, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1431

Re: Slip on loafer shoes for working guy?

When you said slip on loafers, I was thinking working in an office type of situation. I've been eyeing some solid Italian loafers (link) for myself. I would be wearing these shoes at least 40 hours per week. $500 is a tough pill. I'm currently wearing ~$200 ecco loafers. They aren't bad, but they're...
by wabbajack
Sat Sep 22, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 8042

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

Markr867, 1) Are you "House Poor" asset wise? Are you overexposed to the house? A 304K mortgage means that you have a 400K or more house. Even if you max up 2 x 401K and 2 X Roth IRAs, it is about 50K per year. It will take you quite a while before your portfolio reaches 800K and the house's value ...
by wabbajack
Fri Sep 21, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 2250

Re: New car - 0% loan or $500 rebate

Interesting that there's about a 50/50 split between those who would take the loan and those who would pay cash. I wonder if those advocating for cash would also tend to be older. OP, you know the math answer is in favor of the loan. The answer to your question is not going to depend on numbers, or ...
by wabbajack
Fri Sep 21, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1370

Re: Need iPhone case recommendations

I personally use Apple's leather cases. I've never broke a phone with them, they look great, and they fit like a glove on the phone. +1 All other cases I've tried on my iPhone X makes it cheap and ugly in comparison. I have a brown leather case from Apple that is very worn and you can tell it's tak...
by wabbajack
Fri Sep 21, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 8245

Re: My Very First Smartphone — Please Critique This Plan

How much are you on your phone? Do you expect to spend much time learning the ins and outs? Are you a gearhead? Do you enjoy tweaking every little setting? If cost is not an issue, my recommendation is easy - get the iPhone. If you hurry, you may be able to find the outgoing iPhone X for $849. This ...
by wabbajack
Fri Sep 21, 2018 12:37 pm
Forum: Non-US Investing
Topic: Expat buying a house back home and managing from afar (intended as future residence)
Replies: 2
Views: 340

Re: Expat buying a house back home and managing from afar (intended as future residence)

You are overvaluing home ownership. Look at equivalent rentals and what does the history of prices look like for those? I know nothing about Irish RE, but I can somewhat relate. My family is in Malaysia, and my parents are about to shell out a lot of $ to buy my sister a condo - just so she can move...
by wabbajack
Fri Sep 21, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 12836

Re: Did you really have something to retire to?

In my first year, starting March 2013, I managed to be away 13 weeks, compared to maybe five while I was working. I would think that 5 weeks of traveling during your working years would eventually add up to seeing just about the whole world by the time you retire. That's certainly my goal at least....
by wabbajack
Thu Sep 20, 2018 8:25 pm
Forum: Personal Investments
Topic: Let's rebalance my young 401k
Replies: 5
Views: 844

Let's rebalance my young 401k

Hi all, I am trying to apply BH lessons learned so far. I have read and am attracted to the three-fund portfolio. Obviously, I also have many years to let compounding work its magic for me. Some background: Age 27. Single. Gross income ~$110k this year. Stable job with growth prospects. I have been ...
by wabbajack
Thu Sep 20, 2018 9:15 am
Forum: Personal Investments
Topic: Roth Income Limit
Replies: 14
Views: 2205

Roth Income Limit

I found out recently that there is an income limit for contributing to Roth IRAs. While this shouldn't be an issue this year, it may be in the future that my income runs up against these limits. I've added a quote for the pertinent rule in 2018 that applies to me: If you file as single, head of hous...
by wabbajack
Wed Sep 19, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 28258

Re: What is your single most expensive mistake?

My ex-husband cost me the most. First of all, I inherited $60k from my grandmother and we used it to pay for his grad school (and he let me do this knowing he was going to ask me for a divorce a couple of years later. He already started meeting with lawyers behind my back). Then, I found out he shi...
by wabbajack
Wed Sep 19, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3995

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Suggestions for a Honda Civic for a person who enjoys driving a BMW are unhelpful at best. Once you get behind the wheel of a German car with balls, it's hard to go back to driving less exciting cars. Speaking from personal experience. OP, your income does not afford the BMW. However, that's a sunk ...
by wabbajack
Tue Sep 18, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2372

Re: New SUV

Not sure what deal you're referring to but there are some pretty great deals on leasehackr. I've seen Alfa Romeo Stelvio's with $54k MSRP for $390/month with tax included and $0 up front. S90's with $65k MSRP for $400/month with $0 up front, GMC Acadia for $149/mo with $0 up front, there were some ...
by wabbajack
Tue Sep 18, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 28258

Re: What is your single most expensive mistake?

There's something to be said about sunk costs. But there's also something to be said about mistakes early in life compounding early. Here's one from the past few months: New house. A/C wasn't working. Spent $800 to fix duct work in the attic. A/C still wasn't working. Spent $600 to fix refrigerant l...
by wabbajack
Mon Sep 17, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Smart Home / IoT Light Bulbs - Philips Hue, LIFX
Replies: 10
Views: 1065

Re: Smart Home / IoT Light Bulbs - Philips Hue, LIFX

Philips Hue and LIFX seem to be the brands that integrate with the Nest. Any recommendations, comments, or best practices amongst those who have used these? I have a couple of LIFX bulbs that work 98% of the time. The living room light is programmed to turn on at 6pm and off at midnight to give the...
by wabbajack
Mon Sep 17, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 18374

Re: iPhone XS Max

You mean like Siri and Apple maps? :happy On a serious note, I agree. They are usually a few years behind but they do it correctly. You can get Google assistant and Google Maps on the iPhone. We are also getting Google Maps for CarPlay in the next iOS update. There was an article a while back that ...
by wabbajack
Sun Sep 16, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me assess condo purchase and overall finances
Replies: 22
Views: 1462

Re: Please help me assess condo purchase and overall finances

I'm not too worried about the affordability aspect of this as I don't expect to be single forever. The condo is significantly closer to work and overall much nicer. The apartment I'm in now is older and I constantly have maintenance issues. I can still achieve a 50% savings rate with this mortgage....
by wabbajack
Fri Sep 14, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 5114

Re: Is home alarm monitoring worth it?

some people are afraid of dogs. Another is burglars may not want to risk either getting bit, or having attention drawn to them. Our dogs, 2 presa canarios and 1 cane corso, deter even my family and friends at times LOL That's not my point. My point is that if someone breaks in, I'd rather they just...
by wabbajack
Fri Sep 14, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 986

Re: FaceID w driving? ... upgrading from 5S

I don't know why when I first read the thread, I thought the OP was driving an ambulance. Now that I reread and found that it's probably a normal car, I would say Apple Carplay or a bluetooth connection should take care of this.
by wabbajack
Fri Sep 14, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 8725

Re: Leasing Cars in Retirement

One big problem with a leased car in retirement is that your situation might change and you would still be stuck with the lease. There have been lots of posts with situations like a mother in law having a stroke and being in a nursing home six months after getting a car lease. I don't recall there ...
by wabbajack
Fri Sep 14, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 986

Re: FaceID w driving? ... upgrading from 5S

One option is to just turn it off. I have a 6S and never use touch ID or even a passcode unless I'm traveling somewhere questionable. This may not be an option if the phone is required to be securely locked because it contains sensitive data. I used to get work email on my phone, which forced it to...
by wabbajack
Fri Sep 14, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 5114

Re: Is home alarm monitoring worth it?

5. Dog- maybe the one true deterrent. However you need one that is genuinely unfriendly, at least to strangers. Trouble is most people get dogs mostly as pets, not personal protection. AND everyone with an unleashed dog assures me that they are friendly, so apparently virtually all dogs are useless...