Search found 52 matches

by d18lover
Sun Apr 11, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 4855

Re: Do budgets work?

Budgeting is kind of silly, to me.

If I budget $30 for gas, and goes up in price, will I let myself run out of gas?

Most expenses in life are coming at you regardless of your Excel spreadsheet.
by d18lover
Thu Apr 08, 2021 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Mining Crypto with Gaming PC
Replies: 9
Views: 1273

Re: Mining Crypto with Gaming PC

I have a gaming RTX 3070 and have been mining ETH without issue for about a month. It's earned me $200. I mean $180. I mean $210. Hard to keep up with those prices, lol. I used easy to follow instructions through my mining pool for setup. I can withdraw every .1 ETH from my account, and it takes ab...
by d18lover
Wed Apr 07, 2021 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mining Crypto with Gaming PC
Replies: 9
Views: 1273

Re: Mining Crypto with Gaming PC

I have a gaming RTX 3070 and have been mining ETH without issue for about a month. It's earned me $200. I mean $180. I mean $210. Hard to keep up with those prices, lol. I used easy to follow instructions through my mining pool for setup. I can withdraw every .1 ETH from my account, and it takes abo...
by d18lover
Tue Apr 06, 2021 11:56 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 3871

Re: Laser Printer: Buy a New One?

I buy Brother when buying for others. I buy HP when I buy for me. The one I recommend is this one. I have an earlier version of this product line from 2014 and it’s going strong. I love the scan to network, the free outgoing fax feature, and the printing is very clear. The configuration options are...
by d18lover
Fri Apr 02, 2021 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: WFH Light a "FIRE" in anyone else?
Replies: 20
Views: 3148

Re: WFH Light a "FIRE" in anyone else?

In a sense, I worry that WFH has jaded me so much on being in an actual office, my productivity and attitude suffer when I'm back onsite. I'm always puzzled when I hear people talk about missing being in the office. Not me, that's for sure. ^^^^^This. I have had to counsel some of my staff on this....
by d18lover
Fri Apr 02, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 3871

Re: Laser Printer: Buy a New One?

Can't hardly find a color laser printer in stock. Very limited supplies, chip shortage or what? There was this pandemic and everyone bought printers... Not to belittle the pandemic, but seems like that would have caught up a bit by now. Most WFH have been sent back or already bought a printer by no...
by d18lover
Fri Apr 02, 2021 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: WFH Light a "FIRE" in anyone else?
Replies: 20
Views: 3148

WFH Light a "FIRE" in anyone else?

I could wax eloquent about the improvements to my life that full time working from home has brought. Time, stress, health, money, sleep, marriage, BMI, parenting. Freedom and flexibility. I could write a novel, or at very least an essay on how each of those are better in my life this last year since...
by d18lover
Fri Apr 02, 2021 2:40 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 3871

Re: Laser Printer: Buy a New One?

Can't hardly find a color laser printer in stock. Very limited supplies, chip shortage or what?
by d18lover
Fri Apr 02, 2021 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Savings vs. Retirement Savings
Replies: 6
Views: 682

Re: Housing Savings vs. Retirement Savings

TLDR: Hoard cash to buy a house, or adequately fund retirement at 55? The two options you presented seem (to me) to be opposite extremes, i.e., all savings go to a house fund to pay all cash for a house in 10 years vs. all savings go towards an early retirement at age 55. Perhaps there is an option...
by d18lover
Fri Apr 02, 2021 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Housing Savings vs. Retirement Savings
Replies: 6
Views: 682

Housing Savings vs. Retirement Savings

Trying to make a big decision here and would appreciate any thoughts on the financial issue at hand. Background: Family of 5 with 3 small kids, we've been renting for too long and the housing market has been challenging. Renting a house is too expensive, we are renting a 2 bedroom apartment @$1500. ...
by d18lover
Wed Mar 24, 2021 12:40 am
Forum: Personal Consumer Issues
Topic: New 4K TV. But, Cable Box 1080p!
Replies: 8
Views: 1024

Re: New 4K TV. But, Cable Box 1080p!

First of all, most cable TV comes in either 720p or 1080i, which are worse than 1080p. You didn't mention much about your setup. What size, what distance, and who made your TV? Rtings.com has an entire section of each reviewed television rating "upscaling" which means how it displays conte...
by d18lover
Mon Mar 15, 2021 10:17 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36953

Re: Are we in a housing bubble?

We gave up and have crammed a family of 5 with 2, 4, and 6 year old into a 2 bedroom apartment. No yard. House rents are too high.

Wish it was a bubble, fear it's not.
by d18lover
Mon Mar 01, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Airpods Pro vs competitors?
Replies: 20
Views: 1632

Re: Airpods Pro vs competitors?

If you have an Apple device, there really is no competitor to the AirPods. People not in the ecosystem couldn't understand, and they are often unfairly maligned as overpriced. The M1 chip, auto on, easy pairing. It's the biggest life changing product from Apple since the iPhone. I am on the phone a ...
by d18lover
Sat Feb 06, 2021 1:29 pm
Forum: Personal Consumer Issues
Topic: Laptop Decision
Replies: 78
Views: 4583

Re: Laptop Decision

You mentioned the Flight Simulator. I was able to run it at FHD resolution on a relatively entry level 1660ti i7 Lenovo laptop. I realized I work from home and don't need a laptop at all anymore, so I got a gaming tower. Much better performance per dollar available there. Really enjoying it. Of cour...
by d18lover
Sat Feb 06, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: Indoor humidity and air quality
Replies: 20
Views: 1053

Re: Indoor humidity and air quality

It's always a trade off. Humidifiers help with dryness indoors, so it's good for the skin, eyes, nose. We run one in each bedroom and a in our main living area. One of my chores is to keep them full and running. Ultrasonic humidifiers emit a fine white dust, not harmful to humans, but you need to ch...
by d18lover
Sat Feb 06, 2021 11:56 am
Forum: Personal Consumer Issues
Topic: What's your Yearly Costco Spend?
Replies: 96
Views: 5473

Re: What's your Yearly Costco Spend?

Family of 5 Costco Warehouse - $9549.24. Of that, $4902.42 was on food/grocery items and $4629.67 was on household items, which could be anything TP to an iPad. Costco is our largest grocery expense. I make a weekly trip and get most of our produce, meat, milk, and a few other staples. The key is to...
by d18lover
Sat Jan 30, 2021 1:56 am
Forum: Investing - Theory, News & General
Topic: mac program to track?
Replies: 7
Views: 732

Re: mac program to track?

Banktivity is the Apple version of Quicken. It was called iBank for years, then that was a little too close to home for Apple, so they renamed it. You can get iPad/Mac/iPhone tracking of your personal details. Honestly, it is one of the few things that tether me to the Apple ecosystem anymore becaus...
by d18lover
Fri Jan 22, 2021 2:28 am
Forum: Personal Consumer Issues
Topic: Anyone have the new Apple M1 MacBook?
Replies: 28
Views: 2910

Re: Anyone have the new Apple M1 MacBook?

I would have probably bought one, but they don't support multiple monitors, or ultrawide monitors. My 2020 Intel MBP works superbly still, and supports both of those things (which I use). I guess time will tell what the support will look like. I have learned some painful lessons about being an early...
by d18lover
Sat Jan 16, 2021 1:41 am
Forum: Personal Consumer Issues
Topic: going from plasma TV to non-plasma TV experience
Replies: 19
Views: 1484

Re: going from plasma TV to non-plasma TV experience

Please take my advice as someone who upgraded TVs this year... I have always had basic models, but wanted either an OLED or full-array local dimming (FALD) set along with next generation gaming (HDMI 2.1). OLED has perfect black, FALD LCD alternatives turns off areas of the screen to darken where ap...
by d18lover
Sun Jan 10, 2021 2:07 pm
Forum: Personal Consumer Issues
Topic: Sony TV Advice - Consumer Issue
Replies: 14
Views: 1326

Re: Sony TV Advice - Consumer Issue

The issue is gaining a lot of steam, being picked up across the web: https://www.windowscentral.com/sony-scrubs-vrr-and-allm-upgrade-x900h-x90h-tv-support-pages?amp What kills me - As a TV for viewing content, it's great. We have a QLED in the other room and like both, but Sony seems to have more of...
by d18lover
Sat Jan 09, 2021 12:08 am
Forum: Personal Consumer Issues
Topic: Sony TV Advice - Consumer Issue
Replies: 14
Views: 1326

Re: Sony TV Advice - Consumer Issue

Not that it would be updated for 10 years, but I was happy enough with the software included (and promised) that it would have satisfied my TV needs for 10 years, much like my last TV.
by d18lover
Fri Jan 08, 2021 8:24 pm
Forum: Personal Consumer Issues
Topic: Sony TV Advice - Consumer Issue
Replies: 14
Views: 1326

Sony TV Advice - Consumer Issue

Sony released the X900H TV in mid 2020 as a "ready for PS5" TV. I purchased one. What this means: 4K Resolution with 120 Hz native refresh rate (4k120), variable refresh rate (VRR), and auto low latency mode (ALLM). I saved various spec, sheets, advertisements, and brochures with these pro...
by d18lover
Fri Dec 25, 2020 12:42 am
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2739

Re: PayPal Claim USPS In Transit Arriving Late

Our family Christmas cards have been bouncing around since the beginning of December. At this point we obviously can’t mail them to our friends and family before Christmas. Planning to ask for a refund on Monday. Makes me nervous, part of Christmas is sometimes doing inventory and moving some unuse...
by d18lover
Thu Dec 24, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Playstation 5
Replies: 20
Views: 1232

Re: Playstation 5

Best game out right now is Warzone, it's also free. 75 million active, last I read. I can't get into most story/RPG games anymore, nothing new under the sun. Feels like I'm pressing buttons on a long/poorly written movie. I got back into gaming when Red Dead Redemption 2 came out. Felt like a walkin...
by d18lover
Fri Dec 11, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Potential cost of games on iPad
Replies: 38
Views: 1958

Re: Potential cost of games on iPad

We set a limit for game downloads, usually tied to accomplishing a chore or grade.

We also purchase discounted Apple gift cards when they are available, frequently, so we will get 10-20% effectively off of each purchase.
by d18lover
Fri Nov 20, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150811

Re: Coronavirus (Consumer Issues) How you are preparing?

Working hard in essential front line job. Very little time to shop, out of TP. Switched to baby wipes. Why must people hoard?
by d18lover
Tue Nov 17, 2020 1:03 am
Forum: Personal Investments
Topic: Setting up for success - Plan Evaluation
Replies: 8
Views: 1065

Re: Setting up for success - Plan Evaluation

Will you be eligible for a substantial pension in addition to Social Security? What is your profession or occupation? For most people traditional deductible 401k contributions will likely be better. The income tax code is progressive, with a lower tax rate for lower income. Retirement usually means...
by d18lover
Mon Nov 16, 2020 1:46 am
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 10204

Re: New MacBook Pro with M1 processor

I'm a longtime heavy apple user. Apple is hyping their own chip, obviously, but I'm somewhat surprised at the universal accolades for an unproven design. Intel has been making chips a long time. There will be hardware bugs with the new design. I personally am not planning to be the first one over t...
by d18lover
Sun Nov 15, 2020 4:36 pm
Forum: Personal Investments
Topic: Setting up for success - Plan Evaluation
Replies: 8
Views: 1065

Re: Setting up for success - Plan Evaluation

Will you be eligible for a substantial pension in addition to Social Security? What is your profession or occupation? For most people traditional deductible 401k contributions will likely be better. The income tax code is progressive, with a lower tax rate for lower income. Retirement usually means...
by d18lover
Sun Nov 15, 2020 12:17 pm
Forum: Personal Investments
Topic: Setting up for success - Plan Evaluation
Replies: 8
Views: 1065

Setting up for success - Plan Evaluation

Bogleheads, After reading the wikis and a few other recommended resources, I am about ready to setup my "set it and forget it" for the next 20 years and have some confusion regarding Roth vs tax deferred investing with my tax situation. My 401k offers automatic contribution increases, whic...
by d18lover
Sun Oct 18, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Windows 10 very slow (2 year old Dell Desktop)
Replies: 76
Views: 4623

Re: Windows 10 very slow (2 year old Dell Desktop)

I will say as both a Windows (Work) and Mac/Chrome (home) user fully invested in all 3 ecosystems: Apple or Chromebook would the smart way to go for the majority of home users. Apple computing is generally considered more expensive, but this is not factual if you look deeper. Their device contain co...
by d18lover
Sun Oct 18, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: Pay $120/year for iCloud or switch to Google Photos
Replies: 48
Views: 3551

Re: Pay $120/year for iCloud or switch to Google Photos

You can access your photos from any device with a functional web browser. Photo sharing is easier. My wife can see all of the pictures I take, I can see all of hers. You can setup rules like only share pictures that you each take of your kids, or whatever. You can easily stop syncing temporarily. U...
by d18lover
Wed Sep 30, 2020 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: How well did you predict your income growth?
Replies: 52
Views: 4189

Re: How well did you predict your income growth?

Government employee with scheduled step increases and contract negotiated COLA adjustements.

Did not account for the increasing cost and more sharing of the healthcare plan expenses. It seems to eat the annual COLA adjustment to the penny.
by d18lover
Wed Sep 30, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Mazda CX-5 - seat comfort question?
Replies: 67
Views: 8754

Re: Mazda CX-5 - seat comfort question?

I'm well over 6' tall and could not abide in the CX-5 or the CR-V due to seat comfort. The Equinox was passable. The Escape is the most comfortable and surprisingly nicer than I expected. The CX-5 was also overall poor ergonomically. The entire seating position relative to the steering wheel and ped...
by d18lover
Mon Sep 28, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: iPhone 11 - Anyone get a dud camera?
Replies: 17
Views: 1253

Re: iPhone 11 - Anyone get a dud camera?

I am hearing all these things, though not a photographer. My only reply is that I've lived in the same place for years and would rarely have a "bad photo" to get rid of no matter what time of day or lighting situation. It's hard to get a "good photo" with the iPhone 11 Pro and I...
by d18lover
Mon Sep 28, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: iPhone 11 - Anyone get a dud camera?
Replies: 17
Views: 1253

Re: iPhone 11 - Anyone get a dud camera?

Not enough light. It shot at 1/29 seconds which is not fast enough to freeze motion, so of course the kid is going to be blurry. The iso is 1300, which is going to create a lot of noise, notice the pixelation. I'm not familiar enough with the camera options on the phone, but i do know my camera set...
by d18lover
Sun Sep 27, 2020 11:41 pm
Forum: Personal Consumer Issues
Topic: iPhone 11 - Anyone get a dud camera?
Replies: 17
Views: 1253

Re: iPhone 11 - Anyone get a dud camera?

cacophony wrote: Sun Sep 27, 2020 11:28 pm It would help if you were to post a full resolution example photo with metadata intact
Image

iPhone 11 Pro back triple camera 4.25mm f/1
iso 1250, 4.25mm, 0.06ev, f1.8, 1/29s
by d18lover
Sun Sep 27, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: iPhone 11 - Anyone get a dud camera?
Replies: 17
Views: 1253

iPhone 11 - Anyone get a dud camera?

We got 2 new iPhone 11 Pro in the family and took them to a small get together this weekend. On review of the photos, we did not shoot anything worth keeping. Our typical is to have too many good pictures which we agonize over what to delete. It was a well lit home, we visit often, with recessed lig...
by d18lover
Tue Sep 22, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Computer Monitor, what to get? (So many options)
Replies: 24
Views: 1540

Re: Computer Monitor, what to get? (So many options)

Please avoid the Dell UltraWide series if you're using USB-C from a Mac. Do a quick Google search on it, you'll find numerous sites. I also have firsthand experience. It will not charge the computer uninterrupted, it wakes the computer every 10 minutes with a chime. It's a known issue that Dell has...
by d18lover
Mon Sep 21, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35056

Re: PC Build Thread 2020

This evening I received an email from Dell -- curiously sent Saturday evening -- informing me of a delay in delivery of a monitor I had ordered in late August. The website listing had indicated a delivery date by September 22 (2020). I decided I could wait a few weeks for delivery and therefore did...
by d18lover
Sun Sep 20, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3429

Re: Best shoes for running?

I like New Balance 990 series. They are made in the USA and come in wide/narrow sizes. Expensive, but do last a long time.

I don't run in my oldest pair, 12 years old I wore daily for years. I'm only active in pairs that are about a year or two old.
by d18lover
Sun Sep 20, 2020 12:51 am
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35056

Re: PC Build Thread 2020

This evening I received an email from Dell -- curiously sent Saturday evening -- informing me of a delay in delivery of a monitor I had ordered in late August. The website listing had indicated a delivery date by September 22 (2020). I decided I could wait a few weeks for delivery and therefore did...
by d18lover
Thu Sep 17, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: iMac - wait or buy now, if so which one?
Replies: 60
Views: 4240

Re: iMac - wait or buy now, if so which one?

Great time to buy a Mac.

Go for it. You don't know how long you'll be waiting, and there is *always* something better coming out "soon"
by d18lover
Thu Sep 17, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: New York Life - Invest as Favor for Friend
Replies: 40
Views: 2276

Re: New York Life - Invest as Favor for Friend

How consequential is $5000 for you?

If you're otherwise comfortable or wealthy, my advice would be:

Friendship > Money.
by d18lover
Thu Sep 17, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13530

Re: Grocery store didn't tell me Shingrix was $160

I can't tell you how many doctors forms I sign that tell me anything the insurance doesn't cover will become my full responsibility.

It's just the way it is. They do the best they can, bill insurance, and bill me later. Usually they're correct.
by d18lover
Sun Aug 16, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

Maybe you could convince them to accept a digitally signed and encrypted email? It is 2020, and while we don’t have flying cars, we have those. If they are sincerely concerned about waste, having someone personally print and hand deliver documents seems like a true waste of government resources. It...
by d18lover
Sun Aug 16, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

Maybe it won’t work because of the urgency, but at my company it’s encouraged to do Fedex overnight with early morning delivery to our smaller offices within the state, even one at about 60 miles from us. Check with the client to see if it’s ok to receive all this paperwork by 9 am the next morning...
by d18lover
Sun Aug 16, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

I think the argument is you took the job in the original location and the place that requires you to be there in person to drop off documents is across the street from that place, so it is no different than your commute was before — and now COvid is letting you save on that commute x number of time...
by d18lover
Sun Aug 16, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

Katietsu wrote: Sun Aug 16, 2020 5:53 pm
Gill wrote: Sun Aug 16, 2020 5:43 pm
neurosphere wrote: Sun Aug 16, 2020 5:35 pm Where would the OP deduct these "unreimbursed employee expenses" on his/her return?
Nowhere. They are no longer deductible.
Gill
Yes. Since employee expenses are no longer deductible the rest of the details are irrelevant.
Even miles?
by d18lover
Sun Aug 16, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 788

Re: Reimbursed Mileage IRS / Issue

Probably. You can read this publication: https://www.irs.gov/publications/p463#en_US_2019_publink100033914 Simplifying your situation 1mi x 2x x5days/per week x 50weeks x .575/mi will get you about a $288 deduction. Hope the paperwork is worth it! LOL - I can get the 1 mile round trip reimbursed th...