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by davebo
Thu May 21, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3026

Re: Just used my chip credit card for the first time!

How does this work when you go to make a purchase online though? Don't you still need to type a cc number in?
by davebo
Thu May 21, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1639

Re: A trip to Disney World - What are the best days during Christmas time?

OP here. Thanks for your suggestions. Wow. I didn't expect to hear an unanimous ‘no'. The reason why we even thought of going around Christmas time was to avoid the crowds and hot weather during summer months. Though we can visit at other times of the year, we have a kid in school, and were not rea...
by davebo
Wed May 20, 2015 10:33 pm
Forum: Personal Consumer Issues
Topic: A trip to Disney World - What are the best days during Christmas time?
Replies: 33
Views: 1639

Re: A trip to Disney World - What are the best days during Christmas time?

Honestly I would not go during those times at all. Crowds at wdw are way way way up these days since the economy has improved. Even previously slow periods (fall, early dec,etc) are pretty crowded now. It's much better to pull the kids out of school and go in late January. You can stay half the amou...
by davebo
Tue May 12, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9147

Re: I Hate Vacations

I used to be kinda "blah" about vacations, but moreso because it seemed like a huge amount of money to pay for a trip that only lasted a week. After some great trips with my wife, I enjoyed it more and more...now with kids, it's even more important to me to have that dedicated time. We wen...
by davebo
Tue May 12, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 22
Views: 2558

Re: Backyard playsets - worth it?

I was all set to buy a used Rainbow swingset off craigslist and pay someone to move it for me, but my parents bought one of the $500 sets from Toysrus. I paid someone to put it together after reading the reviews and seeing it was taking people the better part of a weekend to get theirs together. We'...
by davebo
Thu May 07, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 1537

Re: Nutribullet or Ninja extractor?

We have a nutrininja and it works great. Small, simple to use, and easy to operate. Maybe the vitamix is a better product, but doesn't it cost like 5x as much? I don't really see what the upside is there. Don't get a juicer though. I have a Breville as well and it's kind of a pain to clean...there a...
by davebo
Thu Apr 30, 2015 3:03 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 2494

Karate for kids—Thoughts?

My son is wanting to take a break from team sports and try something new. We’re less than a couple minutes away from a Karate place near our house that seems to have a pretty strong kids program. I know a lot of people sign their kids up for karate and they seem to enjoy it, but does karate really h...
by davebo
Thu Apr 30, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3209

Re: 25 year old baseball cards and coins worth anything?

I must've been collecting baseball cards during the absolute bubble. I was really into it from 1985-1991 or so. Once upper deck hit the scene, it seemed to have started just a flood of "collector sets" getting released by the same company. So your cards aren't worth anything I wouldn't thi...
by davebo
Mon Apr 27, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: South America [vacation recommendations]
Replies: 32
Views: 2564

Re: If You Were Going To S. America ...

You're going to South America Mr. Fredrickson?!
by davebo
Tue Apr 21, 2015 10:04 pm
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3897

Re: New Water Heater

I heard about the anode rod and draining the water tank from Richard T. on This Old House. Being a new homeowner, I bounced this off my dad and he said he never did this for any of his heaters and never had any issues. I really thought my old water heater was on its last legs and brought this up to ...
by davebo
Tue Apr 21, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1323

Re: Taking Care Of Leaves

Liberty1100 wrote:Question is, how valuable is your time? A lot of those choices take less time by you. If you go with the service, you don't have to spend any time doing it.


I agree with this line of thinking, but I'm already pretty liberal with "outsourcing" jobs around the house.
by davebo
Tue Apr 21, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1323

Taking Care Of Leaves

So I've posted before that cleaning up leaves around my house is a big job and I'm still looking for a good solution. I did finally price out the cost of having a service come and do the cleanup, but it was about $375...I think at this point it would be better for me to invest in some equipment vs. ...
by davebo
Wed Apr 15, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have Open?
Replies: 25
Views: 1652

Re: How Many Credit Cards Do You Have Open?

I have 4:

1) Discover card that I use for 99% of personal purchases.
2) Discover card that I use for 99% of business purchases.
3) Mastercard that I use for everything else.
4) Kohl's card that my wife opened up.
by davebo
Wed Apr 15, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3724

Re: Considering the new MacBook 12-inch Retina ...

So, I pulled the trigger Saturday, but I bought the MacBook Pro 13-inch Retina, not the new MacBook. Why? I took a really long look at the 13-inch MacBook Pro at Best Buy and I loved the build quality and the size seemed fine. The screen is gorgeous. Once the reviews for the new MacBook started com...
by davebo
Mon Apr 13, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 48
Views: 3033

Re: Password manager recommendations?

I use LastPass combined with Google Authenticator. I find it very easy to work with and feel secure that, even if I lost my password, the hacker would need 1) My phone 2) The password to my phone
by davebo
Tue Apr 07, 2015 10:34 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4818

Re: Cloud Storage

I use evernote for files, google picasa for pictures, and 2 "long term backup" services....I also have an external hard drive for good measure. The 2 long-term backup services are Amazon Glacier (using the software Cloudberry) and Backblaze. Neither one is used for quick access, but they a...
by davebo
Tue Apr 07, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 5201

Re: VRBO rental gone awry- recourse for security deposit?

Seems easy enough to find someone locally to take care of the problem. What do they do when there are bigger problems at the house?
by davebo
Tue Apr 07, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: anyone have experience with water softeners?
Replies: 41
Views: 1876

Re: anyone have experience with water softeners?

We had REALLY hard water at our old house and I was seeing the effects almost immediately after moving into the house. I had a Culligan salesman and one other similar company come out and give me a quote and it as somewhere in the $2,000 range. One of these salesman made a cold-call door to door and...
by davebo
Fri Mar 27, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 74
Views: 8212

Re: Can I afford a $1M house?

I was a little surprised at people saying you could afford it as well. I wouldn't consider purchasing that home based on your salary. Like others have said, while $60K is a lot of money, you're going to have equally big expenses once you move into the house.

How many kids do you have?
by davebo
Wed Mar 25, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 9402

Re: Why 529 plan makes any sense??

When I first started putting money into a 529, I was not maxing the 401k but doing the ROTH IRA. Then I changed my tune and started focusing on maxing my 401k. Currently, I’m maxing my 401k and not eligible for the ROTH IRA so I’m back to funding the 529. Since I started in 2008, my balance is about...
by davebo
Fri Mar 20, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2938

Re: Children's Swingset

our neighbors have a big swinset and 4 kids. Rarely see them playing with it. Despites DW pleas that we need a play set, we did not get one, rather we go to the "muddy pond" to look for golf balls, go to the nearby school and use the playground there, joined the Childrens' Museum and loca...
by davebo
Fri Mar 20, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 7080

Re: A great shave at a great price

When did everyone get so into shaving? I feel like I hear a lot about dollar shave and using a straight razor and all that.

I just use some generic shaving cream and a gilette sensor that I've had for like 15 years (changing razors of course). Does this not work for everyone?
by davebo
Thu Mar 19, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 2154

Re: Vinyl or wood fence

I don't really like the look of vinyl, but it's hard to argue with the longevity.

Another option I would look at, though, is wood fence with the steel post center.
by davebo
Thu Mar 19, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2938

Re: Children's Swingset

I've looked into the Cosco and BJ'S swingsets and some people have commented about a lack of quality. My major concern however is the fact that I would have to do the installation. I'm pretty useless when it comes to this type of stuff and would rather a "professional" do the installation...
by davebo
Tue Mar 17, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Is a larger home downpayment worth it?
Replies: 18
Views: 2498

Re: Is a larger home downpayment worth it?

I also don't understand why the rates would be better for 30% vs. 20%. Once you clear 20%, I have always seen the rates stay the same.

Either way though, I'd keep some money in your control and only do the 20%.
by davebo
Mon Mar 16, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6701

Re: Laptop: Windows based vs. Apple

There are already many discussions on this topic. It generally degenerates into arguments which convinces no one. Just do what you want to do. The thing that throws me a little bit is how little storage you get with an Apple vs. windows based desktop. The answer you hear is "Well, you should s...
by davebo
Mon Mar 16, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6701

Laptop: Windows based vs. Apple

I've been on the fence with purchasing an Apple laptop for a few years now and am at the point where I'll either purchase another windows-based laptop or make the leap. The last laptop I had was a Dell and it was purchased for like $700 and has lasted almost 5 years at this point. I am already deep ...
by davebo
Sun Mar 15, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2302

Re: Gaming amazon product reviews

I sell my own products that I manufacture on Amazon so there could be a few different things at play here: If the guy was the manufacturer of the product (I use that term loosely) then he could've sent you a link for both a product review and seller rating. You submitted a seller rating (that was re...
by davebo
Thu Mar 12, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 839
Views: 117234

Re: What Movie Have You Recently Watched?

I just saw the movie "August Rush" and loved it....I think it's from 2006-ish.

Good movies are hard to come by though....I'm not as easily impressed as I was even 10 years ago. Plus, I think TV shows have just gotten way better.
by davebo
Thu Mar 12, 2015 10:21 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4866

Re: How does one increase their typing speed and accuracy?

I used Mavis Beacon's program back in the 80's I think...maybe early 90's? She's the typing guru!
by davebo
Thu Mar 12, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1654

Re: Anyone ever use a closet design company?

Thanks for the recommendation for easycloset. I think that seems I could get everything for under $300 (plus shipping), which is pretty good. I might go the route of buying it and then having somebody set it up for me.
by davebo
Thu Mar 12, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 52
Views: 5145

Re: What internet speed is fast enough?

I have comcast (chicago) and I feel like my speed is a little weak, although I can watch netflix/stream apple TV with no issues. I did a speed test on my phone for WIFI and my parents house had a download speed of 62.40 mbps and upload of 11.76 mbps. My house was only at 30.98 mbps and 6.06 mbps. Th...
by davebo
Wed Mar 11, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1654

Re: Anyone ever use a closet design company?

dixdak wrote:No but I have heard mixed reports about Closets, Closets, Closets, Closets!!


We don't just closet, we love it.
by davebo
Wed Mar 11, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1654

Anyone ever use a closet design company?

One of the issues we’re trying to address in our current house while working within the same floor plan (avoiding an addition if possible). If we’re going to squeeze in one of our wishes (larger master bath), then it means there probably won’t be room for a larger closet. The closet is an average si...
by davebo
Tue Mar 10, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5507

Re: Who's going to Disney this summer?

Hate to be the bearer of bad news, but Pirates of the Caribbean will be closed at WDW from May 11 to Sept. 25. Staycation with the kids, and watch Johnny Depp in Edward Scissorhands or Keith Richards in Gimme Shelter . http://www.orlandosentinel.com/travel/attractions/the-daily-disney/os-disney-to-...
by davebo
Tue Mar 10, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 7652

Re: High Cost of Fruits and Vegetables

I buy the frozen strawberries and mixed berries from Costco and make a smoothie every morning. I figure that is good for at least 2-3 servings of fruits. I also do 2 big bags of baby carrots (costco, huge bag) and cucumbers and red/orange/yellow peppers when I'm at home. Only non-frozen fruits we us...
by davebo
Mon Mar 09, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 5228

Re: Fly or drive?

Personally I wouldn't drive anything over 10-12 hours. I remembered driving to FL as a kid (From IL) and (outside of the first 30 minutes and the last 30 minutes), it was brutal. A drive like that is one that sounds like a good idea during planning, but you quickly realize how bad it will be once yo...
by davebo
Mon Mar 09, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 2108

Re: Any ever do a small addition on their house?

I have a ranch home with 3 small bedrooms. Overall, we love the house and the area, but the problem with the house is the lack of bedroom space compared to the overall SF of the house. In some ways, it's great having livable SF, but in our case it's probably overkill. We have 2300 SF upstairs, of w...
by davebo
Mon Mar 09, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 28
Views: 4268

Re: LED Flood Light Question (CREE/FEIT/Etc)

I tried the CREE and thought it was too grocery store-ish. The BR30 FEIT at Costco were, by far and away, the best looking and the best price. They were $11.99 for 2 bulbs. I got really excited after I saw my electric bill this past month since it showed usage was down 30% from the same time last ye...
by davebo
Fri Mar 06, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

I live in downtown Chicago, just moved to Oak Park. Good schools are overcrowded. My daughter's K class has 39 kids to one teacher. I had to keep protesting that they get an aide ASAP. They did by the end of the September. They said they want to wait for CPS to give them money. But all the budgets ...
by davebo
Fri Mar 06, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

What do you mean low income in single digits? The tribune has a scorecard that shows the % of low income kids feeding into a school. When the % is low, I think you can feel comfortable picking anyplace to live in the town; if it's a higher % then you need to pick your spots. There are some areas th...
by davebo
Fri Mar 06, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5507

Re: Who's going to Disney this summer?

I lived in NJ for 5 years before moving to Florida this year. I heard none of these kind of comments in either place. Ages 3 and 0 are terrible ages to go to Disney in my opinion. 6+ for any sort of real enjoyment in my opinion. As for the earlier comment about him insisting about Disney..What is w...
by davebo
Fri Mar 06, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2899

Re: Washing Dress Shirts

I take them to the dry cleaners so I don't have to mess around with ironing them after the fact. I also don't dry clean them after every wear (I don't think you're supposed to admit that out loud)
by davebo
Thu Mar 05, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

Isn't IL changing their test this year? Test results tend to depend a lot on the test itself. If the EL test is too hard, then students are being tested more on how they come in than how much they've learned. If the HS test is too easy, then a lot of schools score well and the results have less mea...
by davebo
Thu Mar 05, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

My wife likes LaGrange etc. I don't mind them but I don't think you can walk to any of the train stations? That would save us from buying a second car. Some suburbs have that option but I bet those would be coveted locations. Yes, Lagrange definitely has very walkable homes around tracks. That's on...
by davebo
Thu Mar 05, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

Yes, you have a good point. Ironically, we pay around $18K per year for her daycare. By the time she starts kindergarten, we would have spent $18K a year for 4 years, the same cost as a private school per year. Yeah, I believe it. I have a friend that moved into Hoffman Estates (which happened to f...
by davebo
Wed Mar 04, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3119

Re: Buy home in area with only good PK-8 public schools?

Personally, I wouldn't like the idea of moving into a house where you think you might need to a) Move before HS b) Send your kids to a private school. Catholic HS, for example, are very expensive and getting pricier. In Chicago, they are are probably around $14K/year to send your kid there..who know...
by davebo
Wed Mar 04, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 5545

Re: Proactively replace water heater?

According to my home inspector when I moved in, he said my water heater was on its last legs and I should "keep an eye on it". Then I installed a new HVAC system and asked the guy to take a look and he said the same thing. I then had a humidifier installed and the guy said the same thing. ...
by davebo
Wed Mar 04, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 20664

Re: Wife tired of saving...

Personally, I don’t blame her for wanting to live in a house (as opposed to a townhouse) when you have kids. This is assuming her reasons are “I want our own yard, I want more space, etc”. You’re saying your taxes are $6900 and you worry about them being $15-$20K, but is there nothing with $10-$12K ...
by davebo
Wed Mar 04, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 4312

Re: Rich dad, poor dad

I first read this book maybe in 2000 or so and I assumed the rich dad/poor dad story was just made up (kinda like "The Wealthy Barber"..also popular around that time) as a way to teach the material. Around 2006 I re-read the story after a lot of people started recommending it...I would nev...

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