Search found 719 matches

by Midpack
Wed Mar 01, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

My strategy has been to switch the the Account Owner between me and my wife every time the contract is up with the Cable Company to take advantage of New Customer Discounts for Triple Play Servce - Internet 50mpbs up/down, Phone, Cable 100+HD channels, 2 DVRs for $145 per month. You'd think this wo...
by Midpack
Wed Mar 01, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402794

Re: What Movie Have You Recently Watched?

Not new, but I just watched Interstellar - and found it fascinating. So much so that I've been watching How The Universe Works on the Sci channel and reading various books on the universe ever since (about 3 weeks). Delightfully complex (for my peanut brain), I have to watch some episodes more than ...
by Midpack
Wed Mar 01, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6529

Re: New YouTube TV Service $35 per month

Having so many choices is great and people should be able to pay for what they want, but I think most people vastly overestimate how much time they have on their hands to watch stuff. Fifty years ago a tv package had a handful of channels and today you can get over 200 channels. As far as I know, t...
by Midpack
Wed Mar 01, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 10585

Re: Climate and happiness revisited

Unless it's really windy, anything above 20F is tolerable to me, anything above 40F is even better, and I hate being cooped up inside too. But obviously we all have different expectations regarding climate, that's one reason we live all over the world. Lots of people who ski, snowboard, snowshoe, sn...
by Midpack
Wed Mar 01, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6529

Re: New YouTube TV Service $35 per month

Here's what YouTube TV is proposing as of today.

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by Midpack
Wed Mar 01, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Just a heads up on those who are switching to streaming TV as a way of not paying full price, once Net Neutrality is removed, you can expect most internet providers to start blocking and slowing down the data on such services, making them unusable, in order to force their customers back onto their ...
by Midpack
Wed Mar 01, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Not a lot of detail yet, but another big hitter entering the cord cutting space with a package that may fully replace cable and satellite TV for many who can be satisfied with a skinny channel package - at far lower cost. 40+ channels with local major networks LIVE and other popular channels, cloud...
by Midpack
Wed Mar 01, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 16842

Re: What Car Should I Buy My Daughter as a Graduation Present

Cars can be very personal. What about telling her you have xyz dollars to buy her a car, what would she like, and then go out shopping for it with her. +1. You might want a few more boundaries, like you won't buy a 30 year old Mercedes 380SL even though it's within her budget. As for what's reliabl...
by Midpack
Wed Mar 01, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6529

Re: New YouTube TV Service $35 per month

I hate cord cutters. How do you think the networks pay for the shows they make? By charging the cable companies a fee to carry their channels. This is literally a "cut off your nose to spite your face" situation. A la cart doesn't work either. You may not watch channel XYZ but I do. Just ...
by Midpack
Wed Mar 01, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6529

Re: New YouTube TV Service $35 per month

Are you truly getting the local channels or are you getting the network feed? I thought some of the franchised station owners were not in favor of allowing their content to be streamed. Might matter if you want to watch the local news. I'll bet it's the actual local feed. PlayStation Vue already do...
by Midpack
Wed Mar 01, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: New YouTube TV Service $35 per month
Replies: 43
Views: 6529

Re: New YouTube TV Service $35 per month

This could be a game changer for TV cord cutters and for people wanting to get rid of cable TV. YouTube has announced a $35 per month TV subscription service with local channels and DVR to be available later this year. PlayStation Vue already does all that in 7 major metro areas for $39.99/mo (with...
by Midpack
Wed Mar 01, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Not a lot of detail yet, but another big hitter entering the cord cutting space with a package that may fully replace cable and satellite TV for many who can be satisfied with a skinny channel package - at far lower cost. 40+ channels with local major networks LIVE and other popular channels, cloud...
by Midpack
Wed Mar 01, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Not a lot of detail yet, but another big hitter entering the cord cutting space with a package that may fully replace cable and satellite TV for many who can be satisfied with a skinny channel package - at far lower cost. 40+ channels with local major networks LIVE and other popular channels, cloud ...
by Midpack
Tue Feb 28, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

The initial release of SlingTV was a single stream. I believe they added an add on to increase the number of streams. The $20/mo Sling package is still only one stream where I am. There's a $25/mo package with slightly different channels that allows 3 streams, but it does not include ESPN :?: You c...
by Midpack
Tue Feb 28, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

No DVR? What is this, 1982? That is a non-starter for me. I don't watch any TV live. Look into Hulu, all on demand content and they have a zero commercial option for like $3 more per month. Although some of the shows play with one commercial before and after the show but none during. I did a free t...
by Midpack
Tue Feb 28, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

For the Vue, it sounds like you can use only one device directly connected to one TV. So if you have 2 Rokus, only one can be used. Is that correct? I understand you can use mobile devices and cast it to another TV. I don't think that's correct. I just did a live chat with PS: Taylur F: Hello, My n...
by Midpack
Tue Feb 28, 2017 1:48 pm
Forum: Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 17
Views: 2798

Re: What's Happened to Vanguard Reps?

Maybe things have changed in the past 12 years. Until 2005, we had all our assets with Fido. They were always more than happy to provide answers or steer me to more info re: basic advice - bond vs muni funds at a given tax bracket is pretty basic. The VG rep didn't recommend anything, he said 'the m...
by Midpack
Tue Feb 28, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

The base $40/mo PlayStation Vue package includes ESPN, ESPN2, NBCSN, FS1 and FS2, and I believe you can cloud DVR any programming at no extra charge. I am on the base PlayStation Vue package and I only pay $29.99 per month. Not sure if it varies by location, but I am in a major metro area and have ...
by Midpack
Tue Feb 28, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Frustrating. Only reason we keep cable is for Live local sports broadcasts. Depending on location there are now options for many local sports through streaming services. I used Sling last summer for in-market MLB games which are carried by our regional Fox Sports network. I'm currently using Direct...
by Midpack
Tue Feb 28, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

It looks like people are mixing up things. VUE has a DVR, Sling does not. VUE has a cloud DVR, meaning they just play the show when you want from their copy. You don't have a physical machine with a hard drive in it with a copy like if you use an Xfinity DVR. Correct! This may confuse the issue fur...
by Midpack
Tue Feb 28, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

No DVR and a data cap from my Internet provider of 200GB is definitely something that makes me think. PS Vue includes the cloud DVR at no added charge, but I'd be worried with a 200GB data cap too. Our data cap is 1TB. If you already have a streaming device (we had a cheap Chromecast), Sling, PlayS...
by Midpack
Tue Feb 28, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Using an OTA antenna (in the attic) and Sling, our "TV bill" is $19.99/mo :beer Is that total including any fees? If not, what are the additional fees? There are no fees. That is it in totality. Among channels: 3 ESPN channels, A&E, BBC, History, HGTV, AMC, TNT, TBS, Freeform, Food ne...
by Midpack
Tue Feb 28, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Regarding Vue, I am wondering how much bandwidth that uses. Comcast typically give 1TB a month and then starts charging overages (after a couple of warnings). HD content uses a lot of data. That is a great point , and I monitored data usage during our 7-day trial. We're not heavy TV watchers (anoth...
by Midpack
Tue Feb 28, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

Using an OTA antenna (in the attic) and Sling, our "TV bill" is $19.99/mo :beer Is that total including any fees? If not, what are the additional fees? There are no fees. That is it in totality. Among channels: 3 ESPN channels, A&E, BBC, History, HGTV, AMC, TNT, TBS, Freeform, Food ne...
by Midpack
Tue Feb 28, 2017 11:43 am
Forum: Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 17
Views: 2798

Re: What's Happened to Vanguard Reps?

Seems a little unfair to criticize someone who takes your calls and gives you the appropriate advice immediately. What were you looking for? Are you being sarcastic? How is parroting back what I asked 'advice?' And he doesn't take my calls, the few times I've asked him a question via VG's antiquate...
by Midpack
Tue Feb 28, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

The problem I've found with splitting your service (tv vs. internet) is that they all want you to bundle and offer the biggest discounts on bundles. They purposefully jack up the internet rate on its own so you get a package. I know that's true for some, and should be for all. But for 6 years or mo...
by Midpack
Tue Feb 28, 2017 11:11 am
Forum: Personal Investments
Topic: What's Happened to Vanguard Reps?
Replies: 17
Views: 2798

What's Happened to Vanguard Reps?

I'm a DIY investor so I don't want/expect much 'advice' - I've asked my VG Flagship rep a question less than once a year. My previous reps never had ANY answers on the spot, they always had to get back to me . But they always got back to me and sometimes their 'advice' was useful. My current rep is ...
by Midpack
Tue Feb 28, 2017 11:03 am
Forum: Personal Investments
Topic: Alternatives to bond funds (or stick with bond funds)
Replies: 3
Views: 1487

Re: Alternatives to bond funds (or stick with bond funds)

Rising interest rates won't reduce bond fund returns, they'll slowly increase - rising rates will reduce bond fund NAVs. Some people say rising interest rates are already baked into NAVs, but I'm not sure how since the math for bonds/funds is pretty straightforward. But there are lots of folks here ...
by Midpack
Tue Feb 28, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 7371

Re: Don't pay full price for cable TV

IME bluffing won't work, we tried several times. It might get you a small discount. Dish Network just cut our monthly bill from $82/mo to $43/mo for 120+ channels (legacy pkg), HD/DVR & 3 TV's. It was only when I called to actually cancel, and were actually prepared to do so, that they quickly g...
by Midpack
Mon Apr 20, 2015 3:56 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett on equties, treasuries, and "risk"
Replies: 46
Views: 6945

Re: Warren Buffett on equties, treasuries, and "risk"

To the OP, I think at 35, 35% in bonds is too conservative. Even Jack talks about age in bonds but including future social security as part of your fixed income allocation. Many BH's don't agree, but if you want to take that into consideration, you are very conservative. I'm 50 and hold a 65/35 AA....
by Midpack
Tue Apr 14, 2015 3:32 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 3229

Re: DQOTD: Municipal Bond Fund Downside

I see that now. With the posts I've received so far, it started to register, Divs & CG in our tax bracket. I used a few tax equivalent calculators online and see that I basically breakeven after taxes in our tax bracket (mostly 15%). We might as well just go with TBM vs an equiv muni (e.g. inter...
by Midpack
Tue Apr 14, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: DQOTD: Municipal Bond Fund Downside
Replies: 19
Views: 3229

DQOTD: Municipal Bond Fund Downside

I probably missed it, but I have searched the forum, Bwiki and Google and mostly find very generic info on muni bond funds. "Fortunately" our equity allocation has outgrown our AA plan (not a little over, too much to ignore) - first world problems. All our fixed income allocation is in (sh...
by Midpack
Tue Apr 14, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Which 3 year old hybrid: Camry or Prius
Replies: 36
Views: 5483

Re: Which 3 year old hybrid: Camry or Prius

We own a Camry Hybrid and a Prius (gen 3) - PM if you have specific comparison questions. Both have been very reliable, both more than 3 years old. Since you're looking exclusively at Toyota hybrids, it's a simple matter of generic auto value and your personal preferences. We get about 34 mpg (winte...
by Midpack
Tue Apr 14, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 9747

Re: Talking to People About Retirement

I am assuming that there are probably other people on this forum who have received these types of questions. How have you responded? I don't want to reveal the details of my finances to friends and family, but I also don't want them to think that I am making an irresponsible decision by choosing to...
by Midpack
Tue Apr 14, 2015 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 21111

Re: Does your family know about your net worth (ball park)?

Q1. They have no idea, though Dad has asked several times. I can only imagine what they're guessing. And since he has a military retiree pension, Soc Sec, Medicare - if he knew our net worth he still wouldn't know what to make of it. Retiring without a pension is beyond his comprehension. Q2. Yes. P...
by Midpack
Tue Jun 03, 2014 2:25 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Roth conversion optimization NOT possible?
Replies: 19
Views: 1726

Re: DQOTD: Roth conversion optimization NOT possible?

There are lots of factors that may be relevant. However, at a constant tax bracket, assuming you have sufficient nonretirement money with which to pay the tax on the conversion, the Roth conversion is always beneficial, by a large amount. For example, suppose you'll always be in the top bracket, wh...
by Midpack
Mon Jun 02, 2014 5:26 pm
Forum: Investing - Theory, News & General
Topic: DQOTD: Roth conversion optimization NOT possible?
Replies: 19
Views: 1726

DQOTD: Roth conversion optimization NOT possible?

I find that I'm just not as smart as I hoped. I have tried i-ORP and literally every other Roth conversion tool I could find, read every article & thread I could find, even attempted to build my own spreadsheet (got pretty deep, but the complexity seems almost endless with RMDs, the Soc Sec &quo...
by Midpack
Mon Mar 10, 2014 3:40 pm
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 6533

Re: Poll: Are you going to retire? And if so, when?

Not the OP claimed anything, but this is hardly an audience that represents the broad mainstream. There are going to be on average more early retirees here.
by Midpack
Mon Mar 10, 2014 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 72
Views: 10941

Re: How do I stop worrying about money?

Does worrying help? Seriously? Of course the answer is no, all you're doing is traumatizing yourself - you're the only one who can do this to yourself, no one else. Sounds too easy, but once you fully grasp that worrying accomplishes nothing positive at all, you can learn to accept. Money is not the...
by Midpack
Fri Mar 07, 2014 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Combining Rollover/Conduit IRA & TIRA - tax forms/reporting?
Replies: 4
Views: 318

Re: Combining Rollover/Conduit IRA & TIRA - tax forms/report

Regarding Form 8606, here's what the IRS says: Form 8606, Nondeductible IRAs Use this Form to report: Nondeductible contributions you made to traditional IRAs; Distributions from traditional, SEP, or SIMPLE IRAs, if you have ever made nondeductible contributions to traditional IRAs; Conversions fro...
by Midpack
Fri Mar 07, 2014 2:34 pm
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 7399

Re: Retirees: About your retirement

Financial independence was my overriding goal, retirement was a separate choice that came a little later. I don't regret retiring from my first career, but after almost 3 years, I am seriously thinking about starting a second career - doing something completely different. The first career was for th...
by Midpack
Fri Mar 07, 2014 2:28 pm
Forum: Personal Consumer Issues
Topic: Kitchen Renovation: Go big....or not?
Replies: 25
Views: 2839

Re: Kitchen Renovation: Go big....or not?

We did a complete floor to ceiling kitchen remodel last summer, and we're thrilled with it. We did keep resale in mind though in terms of cost & design choices, and everything I read told me we should not spend more than 10-15% of the value of the home on a kitchen remodel (we were at about 12%)...
by Midpack
Fri Mar 07, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Combining Rollover/Conduit IRA & TIRA - tax forms/reporting?
Replies: 4
Views: 318

Combining Rollover/Conduit IRA & TIRA - tax forms/reporting?

I had a rollover/conduit IRA (from a 401k) and a TIRA until Dec when for the sake of simplifying I combined all funds into my existing TIRA (I realize I gave up the ability to move the conduit IRA $ back into a qualified plan). I have searched here, Google, TurboTax help and read all the irs.gov inf...
by Midpack
Sun Jan 26, 2014 2:38 pm
Forum: Personal Consumer Issues
Topic: Help please - buying PC
Replies: 30
Views: 3789

Re: Help please - buying PC

There's nothing wrong with Windows 8.1, I'd certainly choose it. If you already have a tablet and/or smartphone, you'll adapt to Win 8.1 pretty intuitively even without a touchscreen. If not, it will probably seem confusing to start - but most people adapt easily (like they did with tablets and smar...
by Midpack
Tue Dec 31, 2013 4:59 pm
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 13731

Re: About to Buy a 2014 Subaru Forester

The only thing that kept me from buying a Forester instead of a Honda or Toyota is the lower mpg of Subaru's. They've gotten better (all Subaru models used to be horribly fuel inefficient), and AWD is an understandable trade off for those who live in regions where it's often necessary. Very nice car...
by Midpack
Tue Dec 31, 2013 4:51 pm
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 13506

Re: What is your winter thermostat setting (while you are up

Our programmable thermostat is set for 65F when we're home and awake, 62F at all other times (while at work, while sleeping). If I get chilly, I put on a light sweater, seems smarter than heating up the entire house...
by Midpack
Sun Dec 29, 2013 3:00 pm
Forum: Investing - Theory, News & General
Topic: Poll: "Bonds are for safety (True or False)".
Replies: 63
Views: 5809

Re: Poll: "Bonds are for safety (True or False)".

Like others have said, hard to answer worded that way, safety is not really a defined metric - largely subject to interpretation. Bonds and bond funds are there to reduce portfolio volatility as others have already noted, to reduce portfolio risk at the expense of greater returns historically.
by Midpack
Sun Dec 29, 2013 2:55 pm
Forum: Investing - Theory, News & General
Topic: Correct my misunderstanding of funds vs CDs (please)
Replies: 33
Views: 3842

Re: Correct my misunderstanding of funds vs CDs (please)

Thanks everyone. Sounds like my overall understanding here is pretty sound. I do plan on holding the CDs to maturity so that's not a risk for me per se. My main goal was to maximize my return while minimizing my overall credit risk, which it sounds like I would accomplish by holding CDs vs. a bond ...
by Midpack
Sun Dec 29, 2013 11:04 am
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 40
Views: 24683

Re: Stressless Recliners

I bought a great recliner 10 years ago from Bernie and Phyl's. It was less than 500 bucks, doesn't look like a recliner, is very comfortable and sturdy. That's about the right price for me. "Stressless" seems like a selling gimmick. +1 I have a la-z-boy, and am perfectly happy with it. I ...
by Midpack
Sat Dec 28, 2013 10:29 am
Forum: Personal Consumer Issues
Topic: Stressless Recliners
Replies: 40
Views: 24683

Re: Stressless Recliners

My wife and I are going to buy a Kensington and a Mayfair this weekend. There's a $200/each off deal right now, still expensive but as far as we can tell they rarely go on sale for a bigger discount. We also think they're supremely comfortable, but what really sells us - my parents have two that are...