Search found 295 matches

by AnonJohn
Mon May 03, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Lexus or Tesla?
Replies: 193
Views: 13472

Re: Lexus or Tesla?

My experience is probably irrelevant as you seem to be looking up-market. But we love our Prius prime. It's relatively cheap (or was before the pandemic), gets a tax credit, and has 30 miles of electric range. For our use case that's enough, and we only burn gas when we go on road trips, less than o...
by AnonJohn
Mon May 03, 2021 3:24 pm
Forum: Investing - Theory, News & General
Topic: Whence inflation?
Replies: 236
Views: 19766

Re: Whence inflation?

I never heard the term "shrinkflation" before. But that is the perfect term. There is no such thing as shinkflation. Shrinkage, yes. CPI tracks changes in size and adjust accordingly. Yes, it affects your emotional response, but not the cold hard analytical value for of numbers. Shrinkfla...
by AnonJohn
Mon Mar 08, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: [CARES Act Above the Line Charitable Deductions]
Replies: 138
Views: 8149

Re: Cares Act $300 tax-deductible charitable donation for 2020

Cares Act 2 allows $300 it for 2021 make it $600 for MFJ in 2021. True. Though as I understand it there are some differences. While in 2020 it is above the line, reducing AGI, it is different in 2021. In 2021 the can be thought of as adding to the standard deduction. That is you also get it w/o ite...
by AnonJohn
Mon Mar 08, 2021 1:53 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2492
Views: 298343

Re: Post your Financial Milestone Announcements Here

I've recently neared or passed one of my approximate milestones. Monthly market fluctuations are now influencing my portfolio more than my monthly income / savings. Imprecise, but a goal I've been savings toward. Feels good and bad. Less "reward" for saving but less pressure on working. Ch...
by AnonJohn
Thu Jan 14, 2021 2:43 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

I am going to re-rip my CDs. I always want to have music available even if internet is out. I had strongly considered doing that myself Dottie until I investigated the time that would be involved in ripping FLAC perfect bit copies..... the Blue Node Vault takes about 20 minutes a disc. ... not to m...
by AnonJohn
Wed Jan 13, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

I would question the idea of a receiver, defined as a box that includes AM/FM along with an amp. Every radio station I have any interest in has online streaming, and there are many online-only stations that cater to special interests in music. I have a Cambridge CXN streamer, which also connects to...
by AnonJohn
Tue Jan 12, 2021 3:49 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

MikeZ wrote: Sat Dec 19, 2020 9:53 pm So formerish audiophile here.

Main question: Do you want 2 channel for music or home theater 5.1/7.1or movie watching? If 2 channel, I would go the integrated DAC route like the Marantz HD-AMP1.
Right question. The bad, but true answer: Both. Alas!
by AnonJohn
Tue Jan 12, 2021 3:47 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

Check out Accessories4less - great prices - lots of refurb new products - no tax and free shipping. I bought a Marantz HD-CD1 CD Player for 349 out the door - arrived mint and works perfectly. The same CD player is 500-600 everywhere else w/tax. Since you are looking for an AVR - your odds are good...
by AnonJohn
Tue Jan 12, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

OP hasn't responded re budget, which is the first critical decision. The Denon AVR-S750H is a mid-priced model, so I'm assuming he's on a limited budget. I presume hes's talking about a typical "family room" setup, where decor and furnishings ("WAF" in audiophile parlance) must ...
by AnonJohn
Tue Jan 12, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

Good room correction software can really improve sound quality. The Audyssey software in Denon and Marantz receivers is well regarded. I think Yamaha's is well regarded too. More info: https://www.nytimes.com/wirecutter/blog/automatic-room-correction/ Thank you. I am indeed sold on this, all the wa...
by AnonJohn
Tue Jan 12, 2021 3:37 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

Hi — I'm a wanna-be audiophile. I like having a nice stereo, but don't want to go off the deep end on cost and quality. So bogleheads seemed to be the place to ask for recommendations on receiver, subwoofer, and a center speaker! My 1992 Onkyo is failing, so I want a receiver that is good for music...
by AnonJohn
Tue Dec 29, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: [CARES Act Above the Line Charitable Deductions]
Replies: 138
Views: 8149

Re: Cares Act $300 tax-deductible charitable donation for 2020

Cares Act 2 allows $300 it for 2021 make it $600 for MFJ in 2021. True. Though as I understand it there are some differences. While in 2020 it is above the line, reducing AGI, it is different in 2021. In 2021 the can be thought of as adding to the standard deduction. That is you also get it w/o ite...
by AnonJohn
Thu Dec 17, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

Wow. Thank you all for this great info. I am so looking forward to studying this thread on my staycation next week! Will be chiming in with questions as I do. Have only been familiar with about half the sites offered. Thanks so much. Thanks as well for the thoughts on TOSLINK and the direct experien...
by AnonJohn
Thu Dec 17, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Re: Pragmatic "audiophile" receiver recommendations

If I was in the market for an AV receiver I’d start my search at accessories4less.com by looking at any factory refurbished models to see if any met my needs. The refurbished Onkyo that’s in my AV room was bought there and I haven’t had any trouble with it. Thanks Wanderingwheelz! I have found a re...
by AnonJohn
Thu Dec 17, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6651

Pragmatic "audiophile" receiver recommendations

Hi — I'm a wanna-be audiophile. I like having a nice stereo, but don't want to go off the deep end on cost and quality. So bogleheads seemed to be the place to ask for recommendations on receiver, subwoofer, and a center speaker! My 1992 Onkyo is failing, so I want a receiver that is good for music ...
by AnonJohn
Wed Dec 09, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Oatmeal -- figuring out what I bought earlier
Replies: 71
Views: 6468

Re: Oatmeal -- figuring out what I bought earlier

We eat more oats than most people (the kids are into it too!). Recommendations: Steel cut is better than rolled, but both are fine. McCanns is good, but we buy in bulk from a local organic market. $1.69 / lb for steel cut and a little less for for rolled. For steel cut we usually do chocolate banana...
by AnonJohn
Wed Dec 09, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Leave GEHA HDHP for this healthcare plan?
Replies: 8
Views: 490

Re: Leave GEHA HDHP for this healthcare plan?

Not seeing anything wrong with your analysis. Looks reasonable. Two observations: First, make sure that the care is equivalent, that is that you can see your PCP, give birth where you want, see your pediatician, etc. Fertility treatments could also factor in, not cheap, often not covered (as you may...
by AnonJohn
Mon Dec 07, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Database, R/Python package, or API for getting fund information
Replies: 11
Views: 1304

Re: Database, R/Python package, or API for getting fund information

As has been said, we're in scraping land. Investpy and yahoofinance (yfinance package in python) should work, but I found the former had bugs and the later was limited. I do use yfinance for etf quotes. Selenium works, but it will break periodically. I've moved away from beautiful soup as unnecessar...
by AnonJohn
Tue Oct 20, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 42186

Re: Items that are worth the money for the quality

Due to some recent education on the environmental impacts of teflon manufacturing, I've decided to switch to carbon steel myself. I bought De Buyer Mineral B. So far so good. That's one I have considered, but am I recalling correctly the handles aren't oven-compatible? Lee_WSP seems savvier than me...
by AnonJohn
Mon Oct 19, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 42186

Re: Items that are worth the money for the quality

First, and most importantly, on chocolate: Champlain gets a good +1. Others I like are chocolove and endangered species. Others have mentioned these, and they're great: Ortlieb paniers, rivendell bikes, LG gram, breville smart ovens, darn tough socks, concept 2 rowers, saddleback leather, cast iron,...
by AnonJohn
Mon Oct 19, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 42186

Re: Items that are worth the money for the quality

My kingdom for a great pillow - firm core, soft comfy but supportive outer material. Wish I could find one. I bought a Coop shredded memory foam pillow a few years ago. Now my wife has one, and my parents just got them too after using them at our place. Not sure if they'll be exactly what you're lo...
by AnonJohn
Mon Oct 19, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 42186

Re: Items that are worth the money for the quality

I actually disagree with them about all clad. Cuisinart multi clad is the same middling product for a fraction of the price, although you can get all clad for much less than retail. Cookware brands worth the money would be Matfer, Mauviel 250, Falk, Fissler, Paderno, or any commercial brand for tha...
by AnonJohn
Mon Oct 19, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 94
Views: 6608

Re: Running Linux vs Other OS?

I've been running linux as my primary since 1998, actually used it even earlier. I use windows too, have used macs and others. I like linux better because it lets you do what you want with your computer. Sometimes with difficulty, but it is your tool. None of this "I'm installing microsoft offi...
by AnonJohn
Mon Sep 21, 2020 2:49 pm
Forum: Personal Investments
Topic: Throwing In The Towel on Portfolio Management
Replies: 61
Views: 8281

Re: Throwing In The Towel on Portfolio Management

Some elements of the OP's quandary resonate, but other's don't. I'll begin by saying: simplicity is good, and if going to maximum simplicity works for you, do it! The time invested in micromanagement won't pay well. For me, I followed similar track, but not as deeply. I built spreadsheets and dashbo...
by AnonJohn
Thu Aug 13, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10601
Views: 785935

Re: Refinance Mega Thread

I see a number of posts in this thread about LenderFI. Yet, for more than a month now, when I go to their website I am met with an Important Message: " Given the high volume of loans coming in we are not able to offer the service LenderFi was founded on, so temporarily we are not taking on any...
by AnonJohn
Wed Aug 12, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10601
Views: 785935

Re: Refinance Mega Thread

I see a number of posts in this thread about LenderFI. Yet, for more than a month now, when I go to their website I am met with an Important Message: " Given the high volume of loans coming in we are not able to offer the service LenderFi was founded on, so temporarily we are not taking on any ...
by AnonJohn
Sat Jun 06, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2568

Re: Is Capital One 360 bank account OK?

I've had an account at Capital One starting back when they were ING Direct. They're OK. I won't swear that they have the very absolute best rates of anyone on the Internet. Their interest rates have started to come down in the last few months and I expect that to continue. In my experience they hav...
by AnonJohn
Wed Mar 25, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 25458

Re: Are you still going to the grocery store or using a delivery service? Which?

Are you still going to the grocery store or using a delivery service? Which? Still going. The local markets have set aside early-morning solely for "seniors". I used that yesterday to get some toilet paper for my son's family. Early morning hours OK, but some planners forgot many seniors ...
by AnonJohn
Tue Mar 03, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10601
Views: 785935

Re: Refinance Mega Thread

I got 30 year 3.0% with closing costs covered from lenderfi Data point in case it's useful to anyone: the best I can get through lenderfi for a 30 year with no points is 3.625%. Perfect credit, high LTV, etc. Best no points option 15 year is 3.5%! My best guess is strong regional differences. I'm i...
by AnonJohn
Tue Jan 21, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Some observations when trying to buy [a new Prius Prime or Honda Clarity]
Replies: 37
Views: 5326

Re: Some observation when trying to buy a new car

Hi - I bought a new Prius Prime (2020) LE last fall. Very happy with the car, and for the reasons you gave, I think you will be too. Engineering is top-to-bottom top notch (e.g. heat pump for heating on electric), I get to drive in all electric most of the time, with gas for long trips (and easily 5...
by AnonJohn
Mon Dec 23, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: BUY! BUY!! BUY!!! So, is anybody hedging?
Replies: 66
Views: 5927

Re: BUY! BUY!! BUY!!! So, is anybody hedging?

You could treat imputed rent as a positive bond. But I think that's looking at it the wrong way. Yes, we both agree that would be silly. But doesn't that make one wonder about the wisdom of using a model where the asset (a mortage / house value as a bond) only works on the negative side of the ledg...
by AnonJohn
Fri Dec 20, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: BUY! BUY!! BUY!!! So, is anybody hedging?
Replies: 66
Views: 5927

Re: BUY! BUY!! BUY!!! So, is anybody hedging?

I have been, and will be, incorporating my mortgage as a negative bond. As per a my written strategy change 2 years ago. This means less leverage (I'm no longer borrowing money to buy stocks) and more bonds in my portfolio. I've been doing this gradually for the past 2 years and will continue for a...
by AnonJohn
Fri Dec 20, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: BUY! BUY!! BUY!!! So, is anybody hedging?
Replies: 66
Views: 5927

Re: BUY! BUY!! BUY!!! So, is anybody hedging?

I have been, and will be, incorporating my mortgage as a negative bond. As per a my written strategy change 2 years ago. This means less leverage (I'm no longer borrowing money to buy stocks) and more bonds in my portfolio. I've been doing this gradually for the past 2 years and will continue for an...
by AnonJohn
Fri Dec 13, 2019 8:00 am
Forum: Personal Investments
Topic: Auto Sweep from HSABank to TDAmeritrade:Help!
Replies: 9
Views: 1303

Re: Auto Sweep from HSABank to TDAmeritrade:Help!

With apologies for necro'ing a thread, my question seems to fit and there aren't too many threads on the topic ... Has anyone had the HSA auto-sweep break on them? It worked fine for me for a couple of years, and then (a) ran twice, producing a negative balance and (b) borked their system enough tha...
by AnonJohn
Mon Dec 09, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Tax Exempt Bond Index vs. Active Fund
Replies: 9
Views: 1210

Re: Vanguard Intermediate Tax Exempt Index vs. Active Fund

Hi - OP - Which active fund are you referring to? @midareff - VWIUX is the admiral version of VWITX, but I'd consider it an index fund, as it tracks the BloomBarc 1-15 Year Municipal Index*. I think. If I have this right, which index fund are you thinking of with longer duration? Edit: Looking at ot...
by AnonJohn
Mon Dec 02, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 78
Views: 5683

Re: HDHP over BCBS Basic for Feds?

For those long-term investors with GEHA, the HSA bank / TD Ameritrade approach is free (fees paid). The only "cost" is having to leave $100 in HSA bank. I recommend it. Nowadays you can seemingly do Vanguard ETFs free @ TD ameritrade, but I haven't moved from the SPDRs, which have lower E...
by AnonJohn
Mon Dec 02, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 78
Views: 5683

Re: HDHP over BCBS Basic for Feds?

@OP & MillenialFinance: After a long time with BCBS basic and in between the birth of my two kids, I switched to GEHA HDHP. We've been happy ever since, including in the birth year. We live in DC. Regret not doing it earlier. OP, I think you have it right --- ignore the deductible since it's &q...
by AnonJohn
Mon Dec 02, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: I wish I could ignore it...but I can't (ZILLOW!)
Replies: 68
Views: 10085

Re: I wish I could ignore it...but I can't (ZILLOW!)

I keep a net worth spreadsheet where I track a few values about my house over time: mortgage remaining, amount paid off (and percentage), and approximate current value. I base my house's percentage of my net worth based on approximate current value minus amount remaining on my mortgage. For the app...
by AnonJohn
Thu Nov 14, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 78
Views: 5683

Re: HDHP over BCBS Basic for Feds?

@OP & MillenialFinance: After a long time with BCBS basic and in between the birth of my two kids, I switched to GEHA HDHP. We've been happy ever since, including in the birth year. We live in DC. Regret not doing it earlier. OP, I think you have it right --- ignore the deductible since it's &qu...
by AnonJohn
Wed Oct 30, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 4341

Re: Anyone have an issue with Corelle plates?

I grew up with Corelle. My parents still have the same two sets, coming up on 50 years later. They're great. Patterns are faded, a few chips, but great. When I got married I agonized long and hard about Corelle or Fiestaware. Both are American made. We went with Fiesta, random color assortment. It's...
by AnonJohn
Fri Oct 25, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 6651

Re: Does the Average Homeowner Need a Water Shut Off Valve?

For the record, yes, the average homeowner needs a water shut off valve.

As for an automatic shut off valve, I defer to the other comments in this thread ...
by AnonJohn
Mon Oct 21, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

As I was quoted, correctly, in my math describing a $70 advantage for the HSA/HDHP approach, which did not include the FSA benefit, I hasten to add a clarification. That $70 advantage is near the worst case scenario for the HDHP, when spending is exactly at the deductible level. And, as others have ...
by AnonJohn
Thu Oct 17, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: How to save HSA receipts?
Replies: 14
Views: 1710

Re: How to save HSA receipts?

Here's my approach. I use an app called "app sheet", that builds off of google sheets. It is both an android app and a google sheets add on. It lets you write your own little software interface to google sheets. On our phones, my wife and I can view the spreadsheet, but, more importantly a...
by AnonJohn
Wed Oct 16, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

@UAL Flyer - I've read your previous discussions / arguments, and disagree. I'd associate myself with Tdubs here. Based on 4 years of actual EOB expense analysis, maxing HSA contributions, and a marginal rate of ~30%+, Grabiner's analysis and my analysis is borne out --- a clear win for GEHA HDHP o...
by AnonJohn
Wed Oct 16, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

OP: thank you for thread - hoping people keep adding as more info comes to opm site. Does anyone know if GEHA HDHP members gain access to GEHA's discounted dental network rates through its HDHP plan? I'm not talking about the HDHP plan actually paying for any dental work other than preventive clean...
by AnonJohn
Wed Oct 16, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

@UAL Flyer - I've read your previous discussions / arguments, and disagree. I'd associate myself with Tdubs here. Based on 4 years of actual EOB expense analysis, maxing HSA contributions, and a marginal rate of ~30%+, Grabiner's analysis and my analysis is borne out --- a clear win for GEHA HDHP ov...
by AnonJohn
Wed Oct 16, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

I'd like to comment on the comparison of the CareFirst HDHP to the GEHA HDHP. I am far from an expert, but I've done these comparisons many times over the years, and I think I've learned some things. Be aware that, due to the onset of blindness, I cannot read the brochures anymore, so I have been g...
by AnonJohn
Wed Oct 16, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

OP: thank you for thread - hoping people keep adding as more info comes to opm site. Does anyone know if GEHA HDHP members gain access to GEHA's discounted dental network rates through its HDHP plan? I'm not talking about the HDHP plan actually paying for any dental work other than preventive clean...
by AnonJohn
Thu Oct 10, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

I’m also awaiting info. I plan on switching from BCBS Basic to GEHA HDHP. I’m nervous, but have back-tested the last two years’ health expenses and I would have come out ahead in both. Time to make the leap in order to utilize the HSA! Checkbook indicates CareFirst HDHP was a better deal than GEHA ...
by AnonJohn
Thu Oct 10, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 11081

Re: FEHB Open Season 2019

I’m also awaiting info. I plan on switching from BCBS Basic to GEHA HDHP. I’m nervous, but have back-tested the last two years’ health expenses and I would have come out ahead in both. Time to make the leap in order to utilize the HSA! I made that switch two years ago and have only one regret: that...