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screening

My screening questions are:
How many sides have you done in last 12 months?
Buy sides?
Sell sides?
The total should be 20+ as that will weed out the part timers.
The ratio is important as that helps you gage their level of expertise at representing you.
by davebarnes
Mon Jan 26, 2015 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding a good realtor
Replies: 11
Views: 416

whatever Tim tells me to buy

Our family:
1 iPhone 6+
1 iPhone 5
2 iMacs
1 iPad Mini
1 iPad Air
1 Macbook Air
1 Apple TV

We buy whatever Tim tells us to buy.

We like the UI for Apple products.
We like the safety of the walled garden.
We like the resale value of our old Apple stuff.
by davebarnes
Sun Jan 25, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1686

Excellent recommendation

LAlearning wrote:New house with a separate office

Exactly.
by davebarnes
Sun Jan 25, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 32
Views: 2077

Stupid is better

Stupid TVs are better than smart TVs. The reason is that the TV manufacturers are horribly incompetent when it comes to updating software. A $100 external box (Apple or Roku) makes more sense than incorporating that functionality into a $1000+ device. 3D is a waste of money. 4K is a waste of money r...
by davebarnes
Sun Jan 25, 2015 11:28 am
 
Forum: Personal Consumer Issues
Topic: Reliability of LED televisions?
Replies: 18
Views: 1188

best move

HueyLD wrote:Once you are 65 and on Medicare, you can withdraw an amount equal to Medicare premiums paid for you and your spouse (except for Medigap premiums). There will be no tax or penalty.

This, in my opinion, is the best action.
by davebarnes
Sat Jan 24, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to take a HSA distribution for past medical costs
Replies: 20
Views: 1234

Buy a Mac

lightheir wrote:Is the Apple mouse PC compatible? I don't use a Mac. Seems like on the website it's mac only. (Looks fantastic, though!)

You can buy a Mac to go with the mouse.
by davebarnes
Sat Jan 24, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 32
Views: 2077

Apple

https://www.apple.com/magicmouse/
It clicks, but is very quiet.
Image
by davebarnes
Sat Jan 24, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 32
Views: 2077

Re: Selling a home - 1st timer

We spent $27K Curious how much you think it would have sold for if you hadn't done the work. Was it worth it It was a very strong buyers' market. The roof was 24 years old and had hail damage. $10K The water heater had a tiny leak. $1K The floors were a 1980s' color (whitewash) and had 24 years of ...
by davebarnes
Sat Jan 24, 2015 12:06 am
 
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 2243

Alpine Silk

My wife swears by this stuff
http://alpinesilk.co.nz/all-products
She buys it directly from them in large quantities.
Image
by davebarnes
Fri Jan 23, 2015 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 42
Views: 2451

Dieting is good

Do you feel liberated and more at ease? Did you find the transition hard? Do you wish you had done it sooner? Yes. No. Yes. But, the results would have been way different. We only downsized the living area by a few hundred sqft. But, we downsized the mortgage to $zero. Given the trajectory of the h...
by davebarnes
Fri Jan 23, 2015 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 65
Views: 6984

529s are stupid

529s are a horrible "investment".
You are better off buying gold bars and stashing them in a safe place.

When you fill out the FAFSA, 529 money is counted.
Gold bars (or cash under the mattress) are not.
Think about it.
by davebarnes
Fri Jan 23, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 63
Views: 4295

Some actions

1. Declutter. This usually means removing 2/3 of all the stuff in the house. Into storage or the dumpster. 2. Clean. Deep clean. Everything and then everything again. Never fry or sauté food in the house again. Clean the cat's litter box every day and immediately before every showing. 3. Hire a real...
by davebarnes
Fri Jan 23, 2015 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 2243

yes, indeed

mhc wrote:Tell the dealer not to put any of their advertisement on your car.

I put that into the sales agreement before signing it. I make them initial it.

One time they ignored it and had to patch the trunk and then send new car to the body shop for painting. Then, I agreed to take ownership.
by davebarnes
Thu Jan 22, 2015 12:54 am
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1781

Nothing

We own 1 car and drive it about 5K miles per year.
Gas prices (up or down) do not change our driving habits.
I expect our next car to be electric as our typical daily mileage is fewer than 20.
by davebarnes
Wed Jan 21, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18573

Ymmv

Medicare advantage with Kaiser at $zero per month.
Part B at $105/mo
Out of pocket in 2014 was $3000 thanks to colon cancer.
Am huge fan of Kaiser.
by davebarnes
Sun Jan 18, 2015 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 16
Views: 1488

This is not the 1940s

Technology changes rapidly.
Be mentally prepared to replace everything every 7 years and you will be OK.
by davebarnes
Sat Jan 17, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 22
Views: 2239

Huh?

are a few things the little critters can't handle like egg shells and coffee grounds. What? I put both down our builder's special (Badger 5) disposal all the time. The really tough item is: fish skin. It bounces around and takes forever to grind up. When you live in the big city with a sanitary sew...
by davebarnes
Sat Jan 17, 2015 8:12 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3670

Be smart AND cheap

[OT comments removed by admin LadyGeek]
by davebarnes
Fri Jan 16, 2015 10:11 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2301

Who cares?

Why?
I really don't care if someone sees my tax returns.
I send them to the IRS and they forward them to the CIA, FBI and NSA.
by davebarnes
Wed Jan 14, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1978

Selma

jginseattle wrote:Selma. Arguably the best movie of 2014.l

Saw it today. Very good.
The opening scene from Birmingham should be studied by every filmmaker. Just perfect.
by davebarnes
Mon Jan 12, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 468
Views: 54632

makes sense sometimes

My, now dead, father-in-law kept $8K in a safe in the house.
He wanted his daughter to have easy access to some money when he died.
No getting a death certificate and going to the bank.
It made sense to him.
by davebarnes
Mon Jan 12, 2015 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2510

all real estate is local

In Denver, right now, if you sell your house before buying another, you will wind up living in a double-wide in the Walmart parking. That is, his/her cars.
DoM for good quality properties is one weekend.
So, in Denver, I would go a for loan on the new house.
by davebarnes
Sun Jan 11, 2015 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchase New House Before Selling Old
Replies: 17
Views: 1001

reviews are good

Tripadvisor.com is your friend
by davebarnes
Sat Jan 10, 2015 12:54 am
 
Forum: Personal Consumer Issues
Topic: places to stay in Paris and Nice
Replies: 10
Views: 1529

Re: Wedding Anniversary in Cape Cod

The true Boglehead would go in February.
by davebarnes
Sat Jan 10, 2015 12:52 am
 
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2623

it is complicated

Nothing is simple via à vis health insurance in the USA.
First - HMO or PPO? This is about preferences and availability.
Second - low deductible or high + HSA? This is about your current health and tolerance for risk.

Have fun with the research.
by davebarnes
Sat Jan 10, 2015 12:49 am
 
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 2900

5th

[OT comment deleted by admin alex]
by davebarnes
Mon Jan 05, 2015 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6624

fun, practical

Mazda3 s Grand Touring 4dr Hatchback
http://www.mazdausa.com/MusaWeb/display ... leCode=M3H
by davebarnes
Thu Jan 01, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5254

2007 Audi A3

What
2007 Audi A3 (33K miles so far)

Why
1. Sold our 2000 VW Passat to our daughter in 2008 after she graduated from university.
2. German. Euro-style handling.
3. Small. We live in the city.
4. Cute. Murano Red.
5. Practical. 4 doors + hatchback.
6. Comfy. Leather, heated seats.
by davebarnes
Thu Jan 01, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 190
Views: 15690

words have meaning

Banish this term: "1099 salary" from you vocabulary.
It is an oxymoron.
by davebarnes
Wed Dec 31, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about 1099 salary
Replies: 18
Views: 1305

spend a few dollars up front

Get a subscription to Fine Homebuilding
Buy a few years of back issues (eBay)
by davebarnes
Tue Dec 30, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Building a Home/New Technology
Replies: 46
Views: 3858

My bicycle

$400 ish to get my 1974 bike up to snuff.
I really enjoyed doing the mechanical labor.
by davebarnes
Tue Dec 30, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5934

YEs

Yelp.
And, I dig into the filtered reviews.
by davebarnes
Tue Dec 30, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Do you read online reviews?
Replies: 26
Views: 1659

Since 1978

I love my Brooks B17. Have had it on my bike since 1978.
The only saddle I will ever own.
by davebarnes
Sun Dec 28, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 1874

I like to eat

Yelp for food
by davebarnes
Thu Dec 25, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Favorite computer apps when travelling
Replies: 19
Views: 2143

3, in the theatre

Penguins of Madagascar - laughed a lot
Theory of everything - awesome
Wild - chick flick, not like
by davebarnes
Thu Dec 25, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 468
Views: 54632

Really like it

Acquired one about 2 years ago. Use it all the time. For example: Buy 4 pounds of sausage from http://www.belfioreitaliansausage.com/ and seal up 1# bags for use in pasta sauces. For example: Buy 1 dozen tamales from http://www.yelp.com/biz/pochitos-tortilla-factory-denver and seal them up in packag...
by davebarnes
Tue Dec 23, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3080

Duh

OP, get some good knives, ones that will hold an edge. Yes, indeed. Consumer Reports likes: Wüsthof Classic 8-Inch Cook's Knife http://www.amazon.com/Wusthof-Classic-8-Inch-Cooks-Knife/dp/B00009ZK08/ref=sr_1_4 $130 Cooks' Illustrated likes: Victorinox 47520 8" Chef Knife with Fibrox Handle htt...
by davebarnes
Mon Dec 22, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2182

RedCard

Just get a RedCard. Only good at Target. Even if stolen, not worth anything to thief.
by davebarnes
Sat Dec 20, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1855

Re: Cooking Lessons

Sign up for
http://www.americastestkitchen.com/
$70/yr for the multisite
Image
by davebarnes
Sat Dec 20, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2182

Build and bond

Having built a few WIndows machines, I say build it.
You will actually spend more money (a little), but the bonding experience will far outweigh the added cost.
Spend hours (many) doing research: case, power supply, fans, graphics board, etc.
by davebarnes
Sat Dec 20, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Gaming PC for son, buy or build?
Replies: 63
Views: 5010

Apple

Buy an iMac
by davebarnes
Wed Dec 17, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2714

If you are a color nerd

by davebarnes
Tue Dec 16, 2014 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone Cases
Replies: 26
Views: 2456

Friends

You need 5 friends. You pick a wine category -- as narrow or broad as you like. You get 6 brown paper bottle bags. You print up some tasting notes sheets and provide 6 writing implements. Each person brings 1 bottle and some food. Each bottle is opened and placed inside a bag and the bag is numbered...
by davebarnes
Sun Dec 14, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 1725

Want to telegraph status?

This
Image
by davebarnes
Sat Dec 13, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4166

plan ahead

Do not save any visible money for the kids' education. The colleges will take it all.
The best time to fill out the FAFSA is when your income is in the crapper.
by davebarnes
Thu Dec 11, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 29
Views: 6918

Complex? Yes.

Some "light reading" on the subject at http://octoscope.com/English/Resources/Whitepapers.html
by davebarnes
Thu Dec 11, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1090

Re: What is the best meal you've had at a restaurant?

Lettonie
Bath, England
Michelin 2 stars
$90/person
5+ hours

Amazing. Delicious. Wonderful.
by davebarnes
Tue Dec 09, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6944

Re: Book suggestion for buying primary home

City-data.com
Real estate
Read a lot
by davebarnes
Tue Dec 09, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 906
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