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Re: Dog food - how cheap is too cheap?

Most of the claims made by ultra premium brands is pure marketing and not evidence based. Evidence is fine but marketing is designed to appeal to people. A web site run by a dentist with a personal story about his beliefs about grain seems to have a lot of influence. I thought it was interesting th...
by ataloss
Wed Nov 26, 2014 6:27 am
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 62
Views: 3698

Re: Dealing with pressure for "social donations" at work

Don't pay and see what happens... They won't fire you over it, although you may get on a "list"... So who cares? If being on that list has a noticeable impact on your work life, then you can start looking for another job. I would probably be looking for a job anyway whether I paid or not....
by ataloss
Tue Nov 25, 2014 7:05 am
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 9192

Re: Telephone Calls! Help! [Stopping telemarketing calls]

I was surprised to find my Ooma voip number listed on whitepages.com. I claimed it and turned it off. Ooma is fine and you can add numbers to your blacklist but there is no whitelist option :(
by ataloss
Tue Nov 25, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 107
Views: 8503

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

If t mobile prepaid becomes less of a good deal would it make sense to switch to ptel prepaid?
by ataloss
Sat Nov 22, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Changes to T-Mobile's pay-as-you-go plan
Replies: 12
Views: 3441

Re: Dog food - how cheap is too cheap?

Thanks Sevenseas. It is good to have input from a professional. We have been feeding Iams for various retrievers over a 25 year period and they have done great. It and Science diet were the best available in my area at one time but both get marked down by the petfoodadvisor site for having grain. Yo...
by ataloss
Sat Nov 22, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 62
Views: 3698

Re: Amount to set aside for Special Needs Trust

As a result, we haven't been able to more accurately assess how much to fund it when we die. We haven't really found any guidance in this aspect. Estimates range from a low of $250,000 to millions of dollars. I think all you can do is estimate. People plan 3-4% withdrawals from retirement portfolio...
by ataloss
Sat Sep 20, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amount to set aside for Special Needs Trust
Replies: 11
Views: 1076

Re: Question for renters that are happily renting..

Annual rent increases are the norm in many areas and they can exceed the rate of inflation. I think increases in my area have averaged 4-6% per year with recent increases being even higher. Buying a home in ten or twenty years could involve significant price appreciation relative to current prices....
by ataloss
Fri May 23, 2014 6:07 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7850

Re: Alternatives to Quicken

I used quicken from the days of dos until a few years ago. Gnu cash wasn't simple enough for me. I ended up with Mint for checking and credit. I spend much less time on the process than before. Investment positions are in a spreadsheet that updates prices.
by ataloss
Sat May 03, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Quicken
Replies: 41
Views: 26225

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself. not bad to have diversification of carriers. The Nexus 5 is a great phone but I have been impressed with a Nokia 521 ...
by ataloss
Sat May 03, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4734

Re: Frugal Fatigue

We live in Boise, very low cost of living, no crime, and make very good money. We live on about 20% of our gross (36% of our net) income, we live in a nice (2700 sqft 5 bedroom in a nice neighborhood) house, drive nice cars (we lease new every 3 years because we like new cars, can afford it and oth...
by ataloss
Fri Apr 04, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 11409

Re: I don't want to upgrade XP just yet, is that ok?

so I just looked at the website for a major computer retailer. They have lots of windows 7 used/refurbished desktops for $100-200. I don't know or care what anybody else should do. If your hobby is dealing with old computers and software, fine. On the other hand, I don't think there is any financial...
by ataloss
Sat Mar 15, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7373

Re: Was frugality a mistake? The downsides of saving too mu

so is this related to your thread about the guy who wants a Porsche? FWIW I have been frugal about objects but less so with experiences. Flew to Disneyworld with the kids and wife enough that they got tired of it. Cruises, trips. I buy expensive beer and consumables. Experiences that you defer may n...
by ataloss
Sat Mar 15, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 10324

Re: I don't want to upgrade XP just yet, is that ok?

I kept using an old xp netbook beyond the point of reason even upgrading the ram to try to improve performance. The money isn't the issue I was just determined to keep using it. Eventually I gave up and switched to a chromebook for web browsing and a win 7 desktop for circumstances where I must use ...
by ataloss
Sat Mar 15, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7373

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.


exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 15, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6937

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.


exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 15, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6937

Re: Considering moving to Oregon

max state income tax rate in OR is 11% vs Michigan 4.35%. Big difference to me (also a job opportunity issue) Although the per capita tax burden in the two states is similar the lack of sales tax means that oregon has to make it up elsewhere. Oregon is fine but I lived on the coast and it seemed to ...
by ataloss
Sat Mar 08, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 33
Views: 2945

Re: Cheap reading for a senior - Kindle or regular books?

does she have wifi at home? I am wondering how she loads the books on to the kindle. Thinking of a senior who has no home wifi for whom driving to the library (or McDonalds/Starbucks) would be a burden.
by ataloss
Sat Mar 08, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 3235

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

The pictures help. It looks tough. I wouldn't want you to level the house but if there is a central duct rising from the basement to the attic I was thinking that there might be a way to tap in to it in multiple spots on the first and second floor to have short runs of vents to living areas, abandon...
by ataloss
Fri Feb 21, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 4277

Re: Attic Insulation Retrofit: Spray Foam Insulation

Can you just use spray foam and wood to keep heat from leaking into the attic from around the column? That part would seem like a diy project. Can you move the ducts to conditioned space i.e. second floor? (not diy) Here is a picture from energy.gov about insulating attic ducts http://energy.gov/ene...
by ataloss
Wed Feb 19, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 40
Views: 4277

Re: Downsizing: Single home to a condo

nice twin house!

OP, you might be done with major repairs for a while.I would hang on
by ataloss
Wed Feb 19, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 1548

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

The house we have now is bigger than we need now and still too big when we have kids. At least that is what we expect based on the average sized houses we were brought up in. If we were to move to a smaller home, we would want a 3br/2ba, so two kids could have their own bedrooms, if a third kid sho...
by ataloss
Tue Feb 18, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2355

Re: Vanguard Passwords

I feel safe enough with the 100 quadrillion possibilities.... and they have 3 chances before they are locked out :o Still, I will increase my password length since it is stored in Keypass and I don't have to type it. Also I notice that they are advocating caps and lower case so apparently they are ...
by ataloss
Thu Nov 21, 2013 6:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Passwords
Replies: 65
Views: 8089

Re: 2007 Honda Civic, to sell or not to sell?

Boat Guy wrote:What would the Millionaire Next Door do? Keep it. Get the timing belt replaced and do your next assessment of keep vs sell once you get to 180K.


the 07 has a timing chain
by ataloss
Sat Oct 05, 2013 7:40 am
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2869

Re: 2007 Honda Civic, to sell or not to sell?

Do the statistics say that the 07 Accord is a safer car than the 07 Civic? Are you sure? Couldn't the respective groups driving these cars have just a little bit to do with it? In my neighborhood, the drivers of the Accord have to be among the most conservative and safety conscious lot there is (wi...
by ataloss
Sat Oct 05, 2013 7:30 am
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2869

Re: 2007 Honda Civic, to sell or not to sell?

ESC helps drivers maintain control on curves and slippery roads. It cuts in half the risk of a fatal single-vehicle crash. http://www.iihs.org/iihs/ratings/safety-features The overall driver death rate for the civic 4 dr is mostly from multi vehicle crashes not necessarily affected (at least as muc...
by ataloss
Fri Oct 04, 2013 10:53 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2869

Re: 2007 Honda Civic, to sell or not to sell?

Just to keep things in perspective, your 2007 Civic (assuming 4-door) has a driver fatality rate of 55 per million vehicles registered. In other words, the fatality rate is tiny, and it compares extremely favorably to other cars of its size and, indeed, other cars that are much larger. If a previou...
by ataloss
Fri Oct 04, 2013 10:14 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2869

Lease: Who controls master alarm code?

I am new at this but I am looking at leasing a small commercial building. The lessor wants to retain a key and control over the master alarm code. I am fine with periodic inspection of the property but hesitate to allow him unrestricted access to the building when I am not there. From time to time I...
by ataloss
Fri Sep 27, 2013 4:00 am
 
Forum: Personal Consumer Issues
Topic: Lease: Who controls master alarm code?
Replies: 3
Views: 623

Re: Self defense for student

livesoft wrote:His bike should be so crappy that no one would want to steal it.


I have heard of people repainting nicer bikes to look crappy with the idea that in a rack full of bikes the thief will pick the one that looks like if would have the best resale value
by ataloss
Sun Sep 22, 2013 5:59 am
 
Forum: Personal Consumer Issues
Topic: Self defense for student
Replies: 33
Views: 1607

Re: Traffic Ticket

Dumb cop here. Short rant before I get back to the post. It's obvious to see many of you have had a few experiences with bad cops and are willing to generalize. OP I am sure most police are trying to do the right thing but it isn't 100%, It make sense to get an attorney even in an absurdly weak cas...
by ataloss
Sun Sep 22, 2013 5:55 am
 
Forum: Personal Consumer Issues
Topic: Traffic Ticket
Replies: 42
Views: 3911

Re: Cutting the cord on Cable

comcast- $39.95/mo for internet no cable for me
by ataloss
Sat Jul 27, 2013 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9874

Re: Cutting the cord on Cable

Using a Magnavox DVR with over the air TV has worked great for me. We record things to watch later so there is always something to watch when the mood strikes. This and the outside antenna (installed) amount to about 6 months of cable bills. Over the last 3 years we have watched better quality progr...
by ataloss
Sat Jul 27, 2013 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 9874

Re: Roomba vacuums

Rob5TCP wrote:Bought one soon after they first came out. Used it several times, but became more hassle than it was worth. Last couple of years, I only bring it out when people are visiting -- as a novelty.
by ataloss
Tue Jul 16, 2013 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4218

Re: Fitness Wristbands??

I am using the fitbit flex. it works fine but I agree it isn't a necessity. Wife has a fitbit one so we compete a little.
by ataloss
Sat Jul 13, 2013 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 1567

Re: Premature Timing Belt Failure

I'd be skeptical that the belt was even replaced.


That was my first thought
by ataloss
Sat Jul 13, 2013 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Premature Timing Belt Failure
Replies: 5
Views: 701

Re: Wrist Watches

I like Citizens. Just bought a titanium eco drive atomic.
by ataloss
Sat Jul 13, 2013 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 7371

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

in my experience it is a good idea to stay away from Hondas for 2 years after the periodic update
by ataloss
Sat Jul 13, 2013 4:18 pm
 
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1333

Re: Help Me Replace my NetGear Wireless Router

II have been looking at the Buffalo N300 gigabyte wzr300 hp. My current linksys has a security flaw (in the harware pin) and the buffalo router runs dd wrt out of the box.
by ataloss
Fri Jul 05, 2013 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Help Me Replace my NetGear Wireless Router
Replies: 36
Views: 2913

Re: Page Plus Versus Republic Wireless - Who's Better?

so I looked at the coverage maps and pageplus is "roaming" in the tip of the thumb area in Michigan. I rarely if ever go to that part of the state and my t_mobile service is probably poor there too. I am pretty satisfied with t mobile but page plus in intriguing.
by ataloss
Fri Jul 05, 2013 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 4266

Re: How many pair of shoes?

maybe the question should be how many pair of shoes do you buy a year I bought one pair of Danskos last year to replace a worn out pair (but kept the worn out pair) This year I bought a pair of Propet walking shoes to replace some old New Balance shoes that I did discard. I have hiking boots, mount...
by ataloss
Thu Jul 04, 2013 9:17 pm
 
Forum: Personal Consumer Issues
Topic: How many pair of shoes?
Replies: 70
Views: 5063

Re: Use of Copyrighted Materials for On Line Presentations?

I am considering developing an on line course and would like to display copyrighted charts, cartoons, etc. from other publications. Is there a way to legally use these materials without copyright infringement? Do you have to receive permission from each original source? If it is nonprofit education...
by ataloss
Tue Jul 02, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Use of Copyrighted Materials for On Line Presentations?
Replies: 9
Views: 780

Re: Body by Science Workout

when I switched to a bbs program I ended up decreasing my weights significantly. 50% in some cases. OTOH the goal is to fatigue the muscle not to move the larges amount of iron. Slowing down makes the lower weights very challenging. I think this has got to be better on aging joints and tendons.
by ataloss
Tue Jul 02, 2013 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 26667

Re: Page Plus Versus Republic Wireless - Who's Better?

I don't understand the distinction you are making between page plus wireless and cellular. Anyway, here is a url from page plus cellular showing the roaming charges for one of the plans (scroll down to the grid) https://www.pagepluscellular.com/plans/the-12/ roaming charges are lower with the $30/mo...
by ataloss
Tue Jul 02, 2013 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 4266

Re: Page Plus Versus Republic Wireless - Who's Better?

the thing i don't understand about page plus is the $0.29 / minute roaming charge. Where in the US would I be roaming out of verizon/page plus range?
by ataloss
Tue Jul 02, 2013 5:02 am
 
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 4266

Re: Bicycle touring with wife on a tandem

RIP Sheldon Brown
by ataloss
Sun Feb 24, 2013 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Bicycle touring with wife on a tandem
Replies: 3
Views: 629

Re: Dishwasher Recomendations

When our lousy GE gave out after 5 years I installed a Kenmore that lasted 3 years. Finally went with a Bosh. Quieter and no problems in 8 years.
by ataloss
Sat Feb 16, 2013 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher Recomendations
Replies: 7
Views: 533

Re: Lexus RX 300. Timing belt. $884.

The usual rationale for replacing the water pump is that it is a cheap part but the labor to get to it is expensive. Doesn't make as much sense to me when they are charging $183 for the part. 40 plus years of driving, mostly older cars and no water pump problems yet.
by ataloss
Sat Feb 16, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 7191

Re: The perfect Boglehead car

1. The car should have a depreciation curve that falls steeply in the first few years, and then levels off.


that was my criteria until I realized that there was a good reason for the rapid depreciation. I couldn't find a car in that group that I would be willing to own
by ataloss
Fri Feb 08, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 9328

Re: Why would anybody use Turbotax?

TT was the one that did my foreign tax credit correctly a couple of years ago. Also free. :D
by ataloss
Wed Feb 06, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 11942

Re: How Can I Tell If My Dentist is Good One?

Hygienist friend told us our current dentist is good. Although she may not be able to evaluate as thoroughly as another dentist I am assuming she can tell ok to good from bad. :D
by ataloss
Fri Feb 01, 2013 10:59 pm
 
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 10608

Re: Replacing a car radio

I have also used Crutchfield and saved some money but if you shop around you might do nearly as well with an installer.
by ataloss
Sun Jan 27, 2013 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Replacing a car radio
Replies: 12
Views: 885
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