Search found 47 matches

by DTalos
Mon Jul 13, 2015 11:42 pm
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 4094

Cost of Routine Dental Cleanings

I would like to know what those of you without dental insurance who pay cash for routine dental exams/cleanings are paying? I pay about $130 for a cleaning and exam and about $190 every other time when bitewing x rays are taken. The prices mentioned are for an independent (non-chain) dentist in a cl...
by DTalos
Thu Jul 02, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19782

Re: Do you buy used cars like a Boglehead actually should?

I thought I'd provide some specific figures, using my vehicle of choice and personal driving habits. - I drive 15,000 miles a year and get rid of my vehicles once they reach ~150,000 - Vehicle of choice is a Honda Accord Sport, CVT, 4 cylinder, sedan Using KBB.com, I obtained the following prices f...
by DTalos
Tue Jun 30, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19782

Re: Do you buy used cars like a Boglehead actually should?

I've read this entire thread and to the posters advocating buying a new car because the used car market is overpriced (which I whole heartedly agree), would you please mathematically detail the financial advantage in buying a new car vs a used car? How is buying a 2015 model XYZ for $35,000 new bet...
by DTalos
Tue Jun 30, 2015 3:15 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 19782

Re: Do you buy used cars like a Boglehead actually should?

I've read this entire thread and to the posters advocating buying a new car because the used car market is overpriced (which I whole heartedly agree), would you please mathematically detail the financial advantage in buying a new car vs a used car? How is buying a 2015 model XYZ for $35,000 new bett...
by DTalos
Fri Jun 26, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Consequences of SSN Breaches
Replies: 0
Views: 402

Consequences of SSN Breaches

I have not had my SSN compromised, but I frequently read news articles about companies and government agencies whose employee, customer and patient information and SSN's have been acquired by hackers or other nefarious people. Then on the other hand, identity theft prevention companies and even some...
by DTalos
Wed Jun 17, 2015 2:48 am
Forum: Personal Consumer Issues
Topic: Paying Over Blue Book Value for Used Car
Replies: 12
Views: 1403

Paying Over Blue Book Value for Used Car

The private party used car market must be very hot, since I regularly see excellent condition one owner private party very low mileage under (4k yearly miles) used 5 year old and newer mid-size cars have an asking price of well over (about $1000 to $1500 more) than the Blue Book value. I know that c...
by DTalos
Tue Jun 16, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Title Search Types and Costs
Replies: 5
Views: 578

Title Search Types and Costs

I would like to do a title search on two parcels of landlocked raw land that I own in order to find out about any encumbrances that may exist on the properties specifically with regard to whether or not there are any easements that accompany them. I don't need title insurance, just a report for info...
by DTalos
Mon Jun 08, 2015 1:25 am
Forum: Personal Consumer Issues
Topic: Buying Used Car on eBay
Replies: 27
Views: 2602

Re: Buying Used Car on eBay

You don't buy it sight unseen. You don't buy it at auction. You preempt that process by talking to the seller before the time expires using the buy now process. You talk to the seller via phone and agree to a price for the car assuming it is good shape and make a offer on the car via phone. If the ...
by DTalos
Sat Jun 06, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car on eBay
Replies: 27
Views: 2602

Buying Used Car on eBay

I'd like to hear comments regarding buying late model one owner private party used cars with under 30k miles on eBay that come with complete service records and a plethora of ad photos? I know there is an inherent human nature to be wary of buying a car sight unseen, but how about one that has a wel...
by DTalos
Fri Jun 05, 2015 2:36 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1556

Re: Refrigerator--Buy New or Used

I am really stuck on the 7 years vacant. Maybe you don't want to say, but are there stolen gold bars hidden in the walls that you need to let cool down or something? LOL. Nope. I know that I will be downsizing in 7-10 years and I foresee this condo appreciating in value more to cover the carrying c...
by DTalos
Thu Jun 04, 2015 1:46 am
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 1556

Refrigerator--Buy New or Used

I inherited a condo very old kitchen cabinets and 10-20 year old appliances that look dated but function, with the exception of the refrigerator. The top freezer fridge is 11 years old and shortly after I inherited it, it stopped cooling (the fan works but no cold air is being emitted). The condo is...
by DTalos
Fri Apr 17, 2015 11:19 pm
Forum: Personal Consumer Issues
Topic: Couches from Furniture Staging Companies
Replies: 3
Views: 1076

Couches from Furniture Staging Companies

I visited a store that specializes in furniture that was used to stage homes, but the salesperson didn't want to disclose who made the couches. Since it's very difficult to determine reliability and longevity of couches and to compare specs of fabric, cushions, etc., is staged furniture generally go...
by DTalos
Thu Apr 02, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Firm High Loft Pillow
Replies: 4
Views: 788

Firm High Loft Pillow

Do you all have recommendations on a long lasting firm pillow with a high loft that doesn't go flat soon?
by DTalos
Thu Apr 02, 2015 2:06 am
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 12
Views: 2176

Re: Best Couch for Big and Tall Person

4nursebee wrote:DTalos, where do you live?
I know of a place in southwest NY state...


I live in Arizona.

Are leather couches more or less firm than microfiber couches?
by DTalos
Mon Mar 23, 2015 9:21 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 12
Views: 2176

Re: Best Couch for Big and Tall Person

I appreciate the suggestions for online stores, but I would hate to buy something I can't sit down on and determine for myself the comfort level as Lafder mentioned. I'm also astonished as to how much furniture depreciates and the mark-up on furniture. Besides Costco, are there any stores that don't...
by DTalos
Fri Feb 27, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 1191

Re: Credit Card Refund Not Posted

The purchases still show up as pending and the refund isn't even appearing in my transactions. I looked at my history and last summer when I returned something to a big box store, the refund was posted the same day. Odd
by DTalos
Thu Feb 26, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 12
Views: 2176

Best Couch for Big and Tall Person

What are some brands of three cushion couches that are sturdy and supportive for big and tall people for regular use, both to sit on and to lay down on while watching television? Macy's has a Radley couch that looks supportive and sturdy, but not sure how long it will last before the cushions flatte...
by DTalos
Thu Feb 26, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 1191

Re: Credit Card Refund Not Posted

It can sometimes take one or two entire billing cycles for a credit to show up. I remember when merchants and credit card companies used to claim this, but I think this was only "true" when people routinely only ever saw charges when they got their monthly statements by snail mail. Now th...
by DTalos
Thu Feb 26, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Credit Card Refund Not Posted
Replies: 14
Views: 1191

Credit Card Refund Not Posted

I made two purchases at a grocery store yesterday using my credit card and they are showing up in my account as pending. I also did a return at the same grocery store in between those two purchases and the refunded amount to my credit card is not showing up in my account online and also via the 1-80...
by DTalos
Tue Dec 09, 2014 12:26 am
Forum: Personal Consumer Issues
Topic: Donate or Sell AV Receiver
Replies: 11
Views: 1003

Donate or Sell AV Receiver

I have an 11 year old Harman Kardon receiver that was top of the line in its day that I replaced with a new receiver. It seems like on eBay the receiver sells for anywhere between $100 and $200. I've read that eBay isn't friendly to buyers anymore and if I sell on Craigslist, there's no way for me t...
by DTalos
Sat Dec 06, 2014 2:26 am
Forum: Personal Consumer Issues
Topic: First Time Cell Phone T-Mobile
Replies: 4
Views: 1026

First Time Cell Phone T-Mobile

Believe it or not, I am a first time cell phone user and would like your opinions on which cell phone to buy that will work with T-Mobile pay as you go plans. I have seven $30 T-Mobile refill cards that I bought for over half off and I want to use them wisely. Recently bought a Samsung T199 basic ph...
by DTalos
Sat Dec 06, 2014 2:24 am
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7891

Why So Many Used Prius for Sale?

All of a sudden, I have noticed a spike in the amount of used Toyota Prius cars for sale in classified ads. The first obvious correlation that comes to mind is that owners no longer feel the need to own a fuel efficient car now that gasoline prices have tumbled. However, isn't that short-sighted, si...
by DTalos
Tue Nov 18, 2014 4:21 am
Forum: Personal Consumer Issues
Topic: Changes to T-Mobile's pay-as-you-go plan
Replies: 12
Views: 5233

Re: Changes to T-Mobile's pay-as-you-go plan

Good information! Bad news for very light users. If I were to buy a new $30 refill card, could I use it to activate a brand new Samsung t199 that works on pay as you go plans? If I understand the new pay as you go plan, the minimum charge is $3 per month, so would an initial $30 refill card pay for ...
by DTalos
Tue Oct 21, 2014 5:02 am
Forum: Personal Consumer Issues
Topic: Firm Innerspring Mattress for Occasional Use
Replies: 1
Views: 265

Firm Innerspring Mattress for Occasional Use

When I go visit a family member, I sleep on a $300 (full size set) bargain basement department store "S" brand mattress that was purchased 15 years ago but only has about 3 years of total use on it by me. Despite flipping it (which you can no longer do on current spring mattresses) it is q...
by DTalos
Mon Oct 06, 2014 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Exam--Insurance or Cash
Replies: 4
Views: 1078

Eye Exam--Insurance or Cash

I have a $10k deductible Blue Cross medical plan and I noticed that it offers one eye exam per year with a $15 copay. I think they outsource this service to a third party. Is it easy to obtain this benefit or is it a hassle and better just to pay out of pocket for an eye exam?
by DTalos
Sun Sep 21, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: Novaform Mattresses at Costco
Replies: 14
Views: 2169

Novaform Mattresses at Costco

Would like to know what you all think of these memory foam mattresses in general firmness and longevity wise? Are they firm, but with ample cushioning to where you don't feel like you are sleeping on concrete but also to where you don't sink in?
by DTalos
Tue Sep 02, 2014 4:30 pm
Forum: Personal Consumer Issues
Topic: Mattress Choice
Replies: 2
Views: 543

Mattress Choice

I'm deliberating two mattresses on the US Mattress website: http://www.us-mattress.com/simmons-recharge-adda-plush-full.html http://www.us-mattress.com/simmons-wc-phillipsburg-lux-firm-full... I am considering buying 2 mattresses. I am 6ft tall and 200 pounds. One will be my primary mattress, the ot...
by DTalos
Fri Aug 22, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 41
Views: 2887

Re: Fostering Change in HOA

I understand from the comments that it's probably a losing battle, since I wasn't aware of the fact that despite millions "cutting the cord" there is a huge percentage of homes that still have some sort of paid television service. I don't think the fact that I knew whether cable tv service...
by DTalos
Thu Aug 21, 2014 12:06 pm
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 41
Views: 2887

Re: Fostering Change in HOA

I know it's a great deal, but apparently they have had cable tv in this complex since the early 1990s and since few people attend Board meetings, it's difficult to know how people really think about cable tv. I often read about millions of Americans cutting cable tv service and going to Roku, Apple ...
by DTalos
Thu Aug 21, 2014 3:54 am
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 41
Views: 2887

Fostering Change in HOA

The large HOA I am a member of provides cable tv service to all 188 unit owners at a cost of approximately $87,000 per year. I've written the Board and have spoken out at Board meetings proposing that the Board cancel complex wide cable tv service and let each individual homeowner choose what kind o...
by DTalos
Wed Jul 09, 2014 4:44 pm
Forum: Personal Consumer Issues
Topic: AT&T DSL vs Cox HSI
Replies: 3
Views: 735

AT&T DSL vs Cox HSI

I went on AT&T's website earlier today and typed in my zip code and entered basic DSL in the search bar and it showed DSL Pro for $14.95 per month. When I tried to order it from the website, it kept pushing me to U-Verse and there was no way to order DSL Pro. I told this to the online live chat ...
by DTalos
Wed Jul 09, 2014 4:34 pm
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 2033

Extremely Heavy Duty Office Chair

I spend a lot of time in front of the computer and would appreciate recommendations on high back swivel office chair with a well made, heavy duty cushion that won't sink after a few months. I'm currently using a $50 when on sale high back fake leather office chair from an office supply store that's ...
by DTalos
Thu Jun 12, 2014 2:06 am
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3325

Re: Peppy V6 With Good Fuel Economy

I don't understand the problem. Driving in the city you crawl along at 5, 10, 15mph. You make it up to maybe 35-45mph for brief spurts if you're lucky, and at that point you're probably exceeding the speed limit. You just don't need much horsepower or torque to do that. If somebody is tailgating yo...
by DTalos
Wed Jun 11, 2014 4:48 pm
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3325

Peppy V6 With Good Fuel Economy

Currently drive a 1992 Honda Accord with a 4cyl engine. My area of the country seems to be predominately SUV's and large cars with 6cyl and 8cyl engines that tailgate you and seem to get annoyed at my 4cyl driving normally. The Accord feels a bit underpowered these days and needs for torque for city...
by DTalos
Thu May 15, 2014 8:00 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Help
Replies: 12
Views: 2976

Re: Eyeglasses Help

Well I'm happy to report that the return process went pleasant and I got my money back. The optical manager agreed that thin, round frames are best for me, but sadly they didn't have any at Costco. I then went to Sam's Club and Wal-Mart and didn't see any there. Guess I will have to check the used m...
by DTalos
Wed May 14, 2014 8:34 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Help
Replies: 12
Views: 2976

Re: Eyeglasses Help

I am not quite sure that costco has any liability here. I understand you don't like the way the glasses look on you, the size of the lens, and the weight. These are all things you decided on when you ordered the glasses. When i order my glasses, i get something that greatly reduces the thickness an...
by DTalos
Wed May 14, 2014 8:23 pm
Forum: Personal Consumer Issues
Topic: 3rd vs 2nd Generation Toyota Avalon
Replies: 0
Views: 315

3rd vs 2nd Generation Toyota Avalon

Is the 2005-2012 Avalon similar in driving style and characteristics to the Second generation (2000-2004) Avalon? Does the drive by wire make a difference in the way the car drives?
by DTalos
Wed May 14, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: 1992 Honda Accord Achieving Best Gas Mileage
Replies: 4
Views: 739

1992 Honda Accord Achieving Best Gas Mileage

I recently drove a 2002 Toyota Avalon for a week which has a dashboard feature that told you instant and and average gas mileage that updated instantly. It was a cool feature and I found a way to drive to achieve the greatest mpg, which in city driving consisted of accelerating normally to 40mph, ke...
by DTalos
Wed May 14, 2014 7:06 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Help
Replies: 12
Views: 2976

Re: Eyeglasses Help

No, both are metal frames. I can't afford to spend $$$ if there is a poor refund policy.
by DTalos
Wed May 14, 2014 5:45 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses Help
Replies: 12
Views: 2976

Eyeglasses Help

I don't know much at all about eyeglasses. All my life, I've been wearing round eyeglasses because they were a good fit and to me have looked good. I've usually gone to a big box store and selected a round frame from the men's section that were similar looking and had similar measurements as the pre...
by DTalos
Wed Apr 17, 2013 6:05 pm
Forum: Personal Consumer Issues
Topic: Home Price Appreciation in Weak Economy
Replies: 47
Views: 4056

Re: Home Price Appreciation in Weak Economy

Um. SUPPLY AND DEMAND? There's a huge supply of houses in metro Phoenix as the area was badly affected by the housing crisis and many people are underwater on their homes. I don't see how demand can ever surpass supply in this market, especially with the weak economy and stagnant income. There are ...
by DTalos
Mon Apr 15, 2013 11:30 pm
Forum: Personal Consumer Issues
Topic: Home Price Appreciation in Weak Economy
Replies: 47
Views: 4056

Re: Home Price Appreciation in Weak Economy

Um. SUPPLY AND DEMAND? There's a huge supply of houses in metro Phoenix as the area was badly affected by the housing crisis and many people are underwater on their homes. I don't see how demand can ever surpass supply in this market, especially with the weak economy and stagnant income. There are ...
by DTalos
Mon Apr 15, 2013 5:05 pm
Forum: Personal Consumer Issues
Topic: Home Price Appreciation in Weak Economy
Replies: 47
Views: 4056

Home Price Appreciation in Weak Economy

Why are single family homes in desirable neighborhoods of metro Phoenix selling for over $200 a sq ft, sometimes into the $300 a sq ft range? Seems awfully expensive, considering the current economic recession. Many of these homes are "flips" where the most recent sale occurred in the last...
by DTalos
Sat Apr 13, 2013 8:41 pm
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2116

Re: Keep Old Car or Buy Newer Used Hybrid

The reason people aren't rushing to change cars is 1). gas prices may go back down (not long ago in memory, US gas prices were say $2-2.50) I recall 98.9 cents in MA towards the end of the halcyon Clinton era. Still our gas prices are half or less those in most of the developed world, resources bec...
by DTalos
Sat Apr 13, 2013 6:03 pm
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2116

Re: Keep Old Car or Buy Newer Used Hybrid

Just curious, if I'm reading this correctly, where do you live where you are only driving a couple hundred miles every month? Would it be possible in your area to not have a vehicle at all? As little as you drive it seems it would be difficult to justify having a car if you could avoid it. Particul...
by DTalos
Fri Apr 12, 2013 9:56 am
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2116

Re: Keep Old Car or Buy Newer Used Hybrid

I appreciate all your comments about the impracticality money wise of spending $20,000 on a used Prius or similar hybrid in order to reap fuel savings. Would even spending $10,000 on a 10 year old non hybrid car with low miles that gets 40mpg be unwise from a financial standpoint? What about spendin...
by DTalos
Wed Apr 10, 2013 8:13 pm
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2116

Keep Old Car or Buy Newer Used Hybrid

I own a 1992 Honda Accord with 47,000 original miles and despite it being a good looking car and in excellent mechanical shape, it's kind of a slow car and only gets around 21mpg in city driving. With high fuel prices, the price of used hybrids is high and they seem to hold their value as well. Woul...

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