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Forum: FIRE and Money 11-27-2020, 04:59 PM
Replies: 51
Views: 2,435
Posted By rayvt
We don't use our cell phones very much, and...

We don't use our cell phones very much, and because of our location we get NO cell signal at our house, not from any carrier.
We use Tracfone, paid on sale $30 for a year of service and 1500...
Forum: Technology, Media & e-Gadgets 11-22-2020, 07:54 PM
Replies: 59
Views: 1,934
Posted By rayvt
I encode the subtitles as a stream in the mkv...

I encode the subtitles as a stream in the mkv file.
As you know, DLNA does not support subtitles. My Sony BDP-6700 plays them fine in the mkv, but not in a mp4, and not as a separate srt over dlna.
Forum: Technology, Media & e-Gadgets 11-19-2020, 07:50 PM
Replies: 66
Views: 2,700
Posted By rayvt
No. Best yet, no gov't fees or taxes. $0.85/mo...

No. Best yet, no gov't fees or taxes. $0.85/mo for PAYGO service, $1.50 e911 fee. 1 cent per minute for incoming & outgoing calls.

voip.ms, Anveo, Ooma ....all are very cheap for consumers. I...
Forum: Technology, Media & e-Gadgets 11-19-2020, 07:19 AM
Replies: 66
Views: 2,700
Posted By rayvt
We are on AT&T Uverse. When we switched to it...

We are on AT&T Uverse. When we switched to it several years ago they came out and installed it. For phone, they disconnected the phone wiring at the exterior box and inside they just put a RJ-11...
Forum: Technology, Media & e-Gadgets 11-17-2020, 08:24 PM
Replies: 59
Views: 1,934
Posted By rayvt
Sony BDP-S6700 will play MP4 and MKV. Main...

Sony BDP-S6700 will play MP4 and MKV.

Main problem is that if it overheats that kinda kills it -- it works sometimes and doesn't work sometimes after that. So buy a long extended warranty and...
Forum: Other topics 11-17-2020, 07:46 PM
Replies: 98
Views: 4,314
Posted By rayvt
Good things: Heated tile floors in the master...

Good things:
Heated tile floors in the master bathroom and kitchen.
Every outside electrical outlet is a GFCI, not daisy-chained.
An outlet on the deck/patio every 8-10 feet. You *never* have...
Forum: Other topics 11-12-2020, 08:04 AM
Replies: 52
Views: 2,948
Posted By rayvt
Regardless of how much notice you give, even if...

Regardless of how much notice you give, even if they don't walk you out the door immediately, if you have a computer, expect to have your password & login ability disabled immediately.

A higher up...
Forum: Other topics 11-10-2020, 04:53 PM
Replies: 52
Views: 2,948
Posted By rayvt
What is this "loyalty" idea? Your employment is...

What is this "loyalty" idea? Your employment is a business relationship. The company treats it as a business relationship and so should you. You do a job for them and they pay you money. The...
Forum: Life after FIRE 11-07-2020, 12:35 PM
Replies: 41
Views: 5,775
Posted By rayvt
This happens a lot with preferred stocks--which...

This happens a lot with preferred stocks--which are basically bonds that trade like stocks. Generally have around 40-50 year maturity but are callable after 5 years.

I had a lot of money in...
Forum: FIRE and Money 11-07-2020, 12:23 PM
Replies: 68
Views: 6,231
Posted By rayvt
I suspect that most people here are, or soon will...

I suspect that most people here are, or soon will be, close to the end of the 12% point. Or past it. If you have been a successful investor and are taking RMDs and Social Security then you are...
Forum: FIRE and Money 11-07-2020, 12:05 PM
Replies: 68
Views: 6,231
Posted By rayvt
Virtually none. A couple months worth of bills,...

Virtually none. A couple months worth of bills, that's about all you need. Just enough to comfortably tide us over any foreseeable short-term glitches.

The rest stays invested. When you need...
Forum: Other topics 11-07-2020, 11:09 AM
Replies: 61
Views: 2,176
Posted By rayvt
After Christmas stores like Hobby Lobby,...

After Christmas stores like Hobby Lobby, Menard's, etc. put all their remaining stuff at 50% off. They always have outdoor extension cords, timers, 3-way splitters, sometimes cord with built-in...
Forum: Travel Information 10-31-2020, 07:34 AM
Replies: 70
Views: 4,369
Posted By rayvt
Opportunities for graft.

Opportunities for graft.
Forum: FIRE and Money 10-24-2020, 04:23 PM
Replies: 15
Views: 1,300
Posted By rayvt
Yes, most mortgage places are brokers who sell...

Yes, most mortgage places are brokers who sell the loans immediately to Fanny Mae or Freddy Mac. Then the bank you make your payments to are just loan collectors and they don't own the loan. In...
Forum: Other topics 10-21-2020, 05:50 AM
Replies: 115
Views: 7,501
Posted By rayvt
Throw them out. Nobody looks at old photos. Not...

Throw them out. Nobody looks at old photos. Not even you.

Nobody looks at digital photos, either. But at least those don't take up physical space.
Forum: FIRE and Money 10-13-2020, 03:30 PM
Replies: 15
Views: 816
Posted By rayvt
I have used AIM loan and amerisave several times....

I have used AIM loan and amerisave several times. Never heard of Loan Depot.


But I could not find out their interest rates. Both the other two will show you the range of rates, points, fees,...
Forum: FIRE and Money 10-13-2020, 03:21 PM
Replies: 16
Views: 1,430
Posted By rayvt
$20. One for yourself, one in your spouse's...

$20. One for yourself, one in your spouse's account.
Forum: FIRE and Money 10-12-2020, 08:54 PM
Replies: 55
Views: 4,649
Posted By rayvt
Wouldn't work. They would just say that they...

Wouldn't work. They would just say that they issued the release erroneously and have it reversed.

Would be fun, though. You know that somebody there would be sweating bullets.
Forum: FIRE and Money 10-12-2020, 05:32 AM
Replies: 84
Views: 6,545
Posted By rayvt
The money you get from selling options isn't...

The money you get from selling options isn't income, it is investment profits.
Forum: FIRE and Money 10-12-2020, 05:20 AM
Replies: 55
Views: 4,649
Posted By rayvt
Don't worry, they will find their error and...

Don't worry, they will find their error and correct it.
Forum: FIRE and Money 09-19-2020, 01:54 PM
Replies: 16
Views: 898
Posted By rayvt
If you are going to do a cash-back refi, why only...

If you are going to do a cash-back refi, why only get $100K? Go up to 75%-80% LTV. In for a penny in for a pound.

Your question really doesn't make sense to me. The idea of pulling cash out to...
Forum: Life after FIRE 09-19-2020, 07:20 AM
Replies: 83
Views: 6,332
Posted By rayvt
This is the *looks at title* "Early Retirement &...

This is the *looks at title* "Early Retirement & Financial Independence" forum. If you have to put money away each month in a dedicated automobile savings account so you'll be able to pay cash, then...
Forum: Life after FIRE 09-19-2020, 07:09 AM
Replies: 83
Views: 6,332
Posted By rayvt
This is the way we feel. It's not a debt hanging...

This is the way we feel. It's not a debt hanging over your head when you are just one phone call and one wire transfer away from paying off the balance.

The YTD total return of the S&P 500 is...
Forum: FIRE and Money 09-12-2020, 10:19 AM
Replies: 60
Views: 4,617
Posted By rayvt
Why not? They make 30 year mortgages to 70 year...

Why not? They make 30 year mortgages to 70 year olds all the time. And they know that most of them will not make it to 100.
Forum: FIRE and Money 09-11-2020, 07:53 PM
Replies: 78
Views: 3,550
Posted By rayvt
At Alliant CU you can set a savings account as...

At Alliant CU you can set a savings account as source of funds to cover a checking account overdraft. No fee, and of course you pay no interest. Because it isn't a loan.

The thing I always worry...
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