Search found 803 matches

Return to advanced search

Re: Restaurant tipping

I HATE the automatic gratuity for "large" parties. More often than not, it results in bad service for a too-large tip, as they try to spread one or two servers too thin. I have, on occasion, requested that it be removed, but not as often as I should.
by deanbrew
Sun Mar 29, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11753

Re: Whole Life Insurance 'Gift' from Parents

I had decided to not chime in again, as it seems as all of the bases have been touched... but I just can't help myself. Given the miniscule annual premium, I think it would be foolish to do anything but keep paying the policy. People keep mentioning term insurance as the "right" life insur...
by deanbrew
Sat Mar 28, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance 'Gift' from Parents
Replies: 54
Views: 3683

Re: Restaurant tipping

Basically, as a waiter, you're going to encounter one of two types of people. 1. People who are in a great mood, and as long as you don't screw up royally, you'll get a decent tip from them. 2. People who are not in a great mood, are probably rarely in a good mood, and are going to screw you on the...
by deanbrew
Fri Mar 27, 2015 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11753

Re: Graduating Medical Student- Rent vs. Buy in Residency

I think QOL would be better for my spouse with buying, as we could have a nicer place than if we rented. However, buying obviously has a lot of additional costs besides the monthly mortgage payment. My spouse is definitely is more interested in buying than I am. If it was just me I would rent a pla...
by deanbrew
Thu Mar 26, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 37
Views: 2081

Re: Whole Life Insurance 'Gift' from Parents

The general accounts are typically around 85% bonds/treasuries. This will be the 3rd time in this thread where I have said the decision to buy is different then the decision to surrender. You actually just proved my point about it being like a highly managed front loaded bond (mostly) fund. I have ...
by deanbrew
Thu Mar 26, 2015 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance 'Gift' from Parents
Replies: 54
Views: 3683

Re: Whole Life Insurance 'Gift' from Parents

There is no diversification with whole life. They just invest the money in bonds for you. That would be like me saying I bought total bonds at vanguard and total bonds at Schwab and now I'm diversified. You also have underestimated how many years it is a poor investment. This isn't a reflexive pooh...
by deanbrew
Thu Mar 26, 2015 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance 'Gift' from Parents
Replies: 54
Views: 3683

Re: Whole Life Insurance 'Gift' from Parents

While these are horrible purchases, the decision on whether or not to keep an old policy is different then the decision to purchase one or to buy more term. This is bc costs are sunk. The real question is do you want a permanent death benefit. You or someone else has already pretty much paid for it...
by deanbrew
Thu Mar 26, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance 'Gift' from Parents
Replies: 54
Views: 3683

Re: Graduating Medical Student- Rent vs. Buy in Residency

I'm not a doctor, and I don't even play one on TV. But I've worked in the real estate industry for a long time. I would advise to not buy a home that you intend to live in less than seven years, unless there are extenuating circumstances, such as you need a large detached home with a yard and there ...
by deanbrew
Thu Mar 26, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Graduating Medical Student- Rent vs. Buy in Residency
Replies: 37
Views: 2081

Re: Whats a good Pistol to buy?

I guess what I'm getting at is the person you intend to shoot someone one who is breaking into your motorhome? I'd get a shotgun. You won't miss. This is the oft-repeated untruth I referenced previously. Absolutely untrue. The shot spread at 10 feet, out of a traditional shotgun, is negligible, mea...
by deanbrew
Sun Mar 22, 2015 7:08 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7848

Re: Whats a good Pistol to buy?

Petrocelli wrote:I don't know a lot about this, but doesn't it depend on who you want to shoot

As in. .. race, gender, nationality, shoe size, species, fur thickness? Sorry, I have no idea what you are trying to get at.
by deanbrew
Sat Mar 21, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7848

Re: Whats a good Pistol to buy?

Another reasonable option for the sort of close distances one would have in and around an RV would be a handgun revolver shotgun, for lack of a better term. The Taurus Judge was the first on the market, and is still available, but S&W brought out the Governor a couple of years ago, and nearly al...
by deanbrew
Sat Mar 21, 2015 8:11 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7848

Re: Whats a good Pistol to buy?

For combat, I choose my cousin the police officer with vest, tactical radio, and two weapons that he practices with weekly. That gets back to the earlier advice of using a cellphone and dash cam as your primary weapon. So, your cousin is available and nearby 24 hours a day? Even though I am a stron...
by deanbrew
Fri Mar 20, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7848

Re: Whats a good Pistol to buy?

Like many of the replies here, I'd first look at Smith & Wesson and Ruger revolvers. They both make many varieties, with lots of different barrel lengths. For your stated wishes, I'd go with a 4" barrel. Easier to point and aim than a snub-nose, but handier than a 6" barrel. You can ge...
by deanbrew
Fri Mar 20, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 109
Views: 7848

Re: Vinyl or wood fence

I have a vinyl fence around my pool area. The first part was put in about 15 years ago, and added onto about 9 years ago. It still looks great, with no maintenance whatsoever. I cringe thinking how much time, hassle and money I would have spent on a wood fence in that amount of time, as well as the ...
by deanbrew
Thu Mar 19, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 1989

Re: Time of Use Electrical Rates

I work from home and we use a lot of electricity. I dread the day our electric company goes to TOU rates, either as a requirement or incentivized.
by deanbrew
Mon Mar 09, 2015 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1453

Re: Home building [Is a modular home a good purchase?]

I'll add to the generally favorable reviews of modular homes. In most respects, the quality is similar to stick-built homes, and is often better due to factory methodology and quality control. The only real problem, if you want to call it that, is one of consumer bias. Many people think stick-built ...
by deanbrew
Mon Mar 09, 2015 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Home building [Is a modular home a good purchase?]
Replies: 13
Views: 1189

Re: Traveling by car - estimating costs

I agree with scifilover. Unless your personal car is a Jeep or truck that you don't like to drive on trips, why would you ever rent a vehicle to save a couple of bucks (assuming that were the case, which I doubt is true very often). I buy a car that I like, that I like driving. It has my stuff in it...
by deanbrew
Tue Feb 17, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1630

Re: Traveling by car - estimating costs

The simplicity of $0.575/mile sounds great to me! and I've figured about 40 to 50 cents per mile while the car is in good enough shape that I would take it on 1000 mile trips. That is with buying cheap cars and running them into the ground. No and no. You guys are thinking about the overall cost of...
by deanbrew
Mon Feb 16, 2015 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1630

Re: Traveling by car - estimating costs

I wouldn't bother trying to figure any of that out for a 1,000 mile trip. That's what cars are for. Were I to do so because I was curious, the only maintenance items I would factor in would be an oil change and tires, and these would amount to about 0.8 cents and 1.2 cents per mile, respectively, as...
by deanbrew
Mon Feb 16, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1630

Re: Private Car Sale - Risks ?

ubermax wrote:You like Jack's response but brought a gun :confused --- interesting !!!


It's not like it's the only time I had a pistol in my pocket. I have a fire extinguisher under my sink, and have never had to use it, either. But I am comforted that it is there.
by deanbrew
Fri Feb 06, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1883

Re: Private Car Sale - Risks ?

Stop being so paranoid. It's fine being careful, but don't spend your life cowering in a corner. That was my thought as well, but I live in a very safe area. I sold a car on CL a couple years ago, without a problem. I had to deal with several bogus/scam responses before I had a legitimate response,...
by deanbrew
Fri Feb 06, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1883

Re: Tax implications of selling a condo furnished

I would bet there is little chance that the furniture has appreciated in value, especially if selling in bulk at one time. Much more likely, it has depreciated from the purchase price even if it was bought many years ago. Not a taxable event. You are smart to write a separate contract for the furnis...
by deanbrew
Tue Feb 03, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications of selling a condo furnished
Replies: 11
Views: 1081

Re: New car safety features

I have a deposit on the SUV version (Model X). That said, I hope there's an override to the response to speed limit signs. Our Volvo shows the speed limit, but I would hate a car that slowed down when a new sign popped up -- in NJ that's asking to be road-raged :D Can you set the speed limit sign a...
by deanbrew
Tue Jan 27, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3904

Re: New car safety features

I just bought an Outback with eyesight. Here's an IIHS study - https://www.youtube.com/watch?v=omHES8mqtW4 I believe that is Subaru's version 1 and version 2 has more improvements. Hopefully I never have to use it, but for ~$1,000 I consider it well worth it. It would be nice if insurance companies...
by deanbrew
Mon Jan 26, 2015 2:57 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3904

Re: New car safety features

I'm a big fan of technological improvements in safety, but I was reminded today of one easy and inexpensive safety feature that is missing or unused: having lights on (either daytime running lights or headlights). We are in the early stages of a blizzard in the NE, and I am once again disappointed ...
by deanbrew
Mon Jan 26, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3904

Re: New car safety features

I also think Honda is making a good move by having a rear backup camera standard on all of their new models. Honda isn't doing anyone any favors, cost for a backup camera is $110. All auto manufacturers are now required by NHTSA to have backup cameras as standard equipment no later than the 2018 mo...
by deanbrew
Mon Jan 26, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3904

Re: soundproofing walls

I am no sound engineer or soundproof expert, but I wanted to reduce noise transfer between two rooms. I installed Roxul between the studs, and then installed two layers of drywall, with this (mass-loaded vinyl) noise barrier between them: http://www.homedepot.com/p/Unbranded-dB-3-4-ft-x-8-ft-Acousti...
by deanbrew
Mon Jan 26, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1627

Re: Is it worth it to buy a condo vs a house.

I tend to side with the cautionary/negative end of the spectrum of the previous posts. Renting is not "throwing money away" or "paying someone else's mortgage", as you often hear. You are paying for a place to live, a dwelling. It is not always cheaper to own yourself, primarily ...
by deanbrew
Fri Jan 23, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 5132

Re: Help me to understand time shares

Really? You want spend a couple thousand more than necessary every year because you're unable to make yourself take a vacation? Owning a timeshare doesn't cost "a couple thousand more than necessary every year". I'm not going to try and convince anyone to buy a timeshare, but don't resort...
by deanbrew
Fri Jan 09, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5466

Re: Stacked up some more silver bullion today

What is the total spread, including sales taxes if any, between the buying and selling price? In my state (PA), there is no sales tax when you buy coins or bullion. This does vary by state, so if you're interested, you can look here: http://thecoinologist.com/sales-tax-state-by-state-breakdown/ If ...
by deanbrew
Thu Jan 08, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11166

Re: Should I also replace WM along with this job?

I would not replace the washer until it breaks. It may last several more years without incident. I also wouldn't bother with the pan until you replace the washer, as it will be considerably easier to install at that time. I've never had a washer spring a leak that caused any damage. You can replace ...
by deanbrew
Wed Jan 07, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Should I also replace WM along with this job?
Replies: 16
Views: 2232

Re: New car warranty - what has changed?

Manufacturer "bumper to bumper" warranties have arguably gotten better over time, not worse. Manufacturer warranties never covered tire damage caused by nails, scraps of metal, etc. The new tires have their own warranty covering defects, but again not if you run over something. The salesma...
by deanbrew
Tue Jan 06, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: New car warranty - what has changed?
Replies: 4
Views: 720

Re: New car - which deal is better?

Without knowing exact options, its impossible to tell you. Things like leather, navigation, and floor mats can swing a price several thousands. Better negotiating? Compare the sticker to the otd price before tax. Better as in which car to pick, I guess they are roughly the same size and the Prius h...
by deanbrew
Mon Jan 05, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Re: New car - which deal is better?
Replies: 4
Views: 862

Re: How much more do rebate cards cost than checks?

As others have said, I imagine that fewer people redeem the full rebate amounts from the prepaid cards than they would on a check (either due to forgetting about the cards, inactivity fees, etc.) Whenever I get a prepaid card back from a rebate, I immediately buy an Amazon gift card for myself usin...
by deanbrew
Mon Dec 29, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 803

Re: How much more do rebate cards cost than checks?

it must cost the company more to buy the prepaid cards than checks? is it because companies hope people wont bother spend the last few cents left on the card thus pure profit for the company? does this make up for the additional cost of the prepaid card? I would venture that your guess is correct, ...
by deanbrew
Mon Dec 29, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 803

Re: Help with an adults only all-inclusive

We had a great time at Couple Swept Away (in Negril). We are big into tennis and they have the most impressive sports complex in Jamaica - as far as we could tell. We can't wait to go back. Another vote for Couples Swept Away. My wife and I and another couple went last year, and were very impressed...
by deanbrew
Fri Dec 19, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 26
Views: 4527

Re: [Purchasing a Bolt-Action] Rifle

It would depend on different factors as previously mentioned. Things like shooting experience, price range, caliber and brand are all pretty specific. How did you decide on .243 as your caliber? I haven't had the opportunity to hunt anywhere outside of Hawaii but from what I understand it is a pret...
by deanbrew
Thu Dec 18, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3595

Re: [Purchasing a Bolt-Action] Rifle

My first deer rifle was a Winchester 30-30 lever action carbine that I rescued from my grandfather's kitchen closet on the Pennsylvania farm in the 1970s. My mom sold it at a moving sale when I was in college not knowing that it was actually a fairly valuable collector's item being a pre-1964 model...
by deanbrew
Tue Dec 16, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3595

Re: [Purchasing a Bolt-Action] Rifle

Asking what brand of rifle to buy is a lot like asking what brand of car to buy. Each brand has followers and fans, as well as detractors. You can do well with any of the major brands indicated - Remington, Winchester, Ruger, Savage, Tikka (did I miss any?). As mentioned, Savage has a reputation of ...
by deanbrew
Tue Dec 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3595

Re: TOTALLY STRESSED - HUSBAND LOST JOB..

my husband is now doing self-employment work 1099 etc - and yes he is doing ok - I just hate living this way -- waiting for the money to come in etc etc. [OT comments removed by admin LadyGeek] We have insurance through ACA (which is expensive and crappy) Me too. Another wonderful benefit of being ...
by deanbrew
Thu Dec 11, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 29
Views: 6979

Re: Choosing a preschool

I have often praised Montessori for kids. Agree. Montessori is a wonderful teaching/learning method, and provides a great experience for children. It doesn't cost more than other quality preschool/elementary education, either. Make sure to look at Montessori programs, if any are available near you.
by deanbrew
Thu Dec 11, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Choosing a preschool
Replies: 15
Views: 1253

Re: Good buy flip phone, smartphone app to talk/sms for free

I don't have a tremendous amount of experience with all of this, but I imagine Google Hangouts would be fine. WhatsApp seems to be pretty popular for texting over wifi. I started using it to keep in touch with a friend overseas, as it seems to be a very popular texting app in Europe as well as the US.
by deanbrew
Wed Dec 10, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Good buy flip phone, smartphone app to talk/sms for free?
Replies: 10
Views: 737

Re: Leased car return question

Now I see what you mean. I wasn't following the idea that the dents were already identified.
by deanbrew
Mon Dec 08, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Leased car return question
Replies: 11
Views: 1659

Re: Leased car return question

Dents and dings over 2" in size will result in charges unless you fix them prior to turn-in and provide documentation of the repairs. If you have fixed the dents and dings (properly), they are presumably no longer noticeable or problematic. Why do you need documentation? Do you need to documen...
by deanbrew
Mon Dec 08, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Leased car return question
Replies: 11
Views: 1659

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

The penalty for a missed distribution is 50% of the distribution, but the IRS will usually waive that if you have a good reason and ask them (via Form 5329) to do so. Our accountant advised us to have the RMDs for 2009-2014 distributed this year, and we will file Form 529 along with an explanation ...
by deanbrew
Tue Dec 02, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 22
Views: 2117

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

an inherited IRA behaves differently from a personal IRA - Your wife likely should be taking RMD's based on her own life expectancy. Hopefully you have not co-mingled the funds with her own IRA. I'll have to ask our accountant and lawyer when I get a chance, but I'm pretty sure they would have told...
by deanbrew
Mon Dec 01, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 22
Views: 2117

Re: android location keep off for battery or on in case stol

Since my Android OS was updated last month, it has four location settings: a) off; b) GPS only; c) power saving, which turns GPS off and uses mobile networks and wifi networks to determine a reasonably accurate location; and d) high accuracy, which uses GPS, wifi and mobile networks to determine a p...
by deanbrew
Mon Dec 01, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: android location keep off for battery or on in case stolen?
Replies: 3
Views: 902

Re: Homeowner's Insurance

In the appraisal world, the cost approach can be prepared based on either "replacement cost" or "reproduction cost" Replacement cost is the cost to replace the improvements at current prices with one of equal utility and desirability with modern materials and in conformity with t...
by deanbrew
Tue Nov 25, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance
Replies: 10
Views: 803

Re: 2015 Suburu Outback

Lafter wrote: Those of you wanting to order an Outback, go ahead and order exactly what you want and the time will fly by. You also get to know the price before you get it. You can tell the dealer if an unclaimed/prepaid Outback that meets your criteria comes in you may buy it. They want cars sold ...
by deanbrew
Mon Nov 24, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 6173

Re: Hybrid electric water heaters

OK, you are talking about propane. That makes sense. I can see why you are thinking of an alternative. Lowes has the GE Hybrid on sale right now for $999. When I look it up, it tells me I also get a $300 rebate back from my local utility company. I'm sure that varies by location, but that is the sal...
by deanbrew
Fri Nov 21, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 556
Next

Return to advanced search