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Re: Amazon.com prices change quickly

agent13x wrote:
heartwood wrote:
The WSJ has had stories about Amazon pricing being higher for Mac users and other quirks.


If I know the customer on the other end of the internet has a mac, bmw, and is drinking a starbucks, I'd charge them a little more too. ;)


Indeed.
by deanbrew
Wed Apr 23, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 53
Views: 4687

Re: Need help finding a better deal on this music CD

Thanks everyone. I think I will buy for a few more bucks I don't buy that many cd's. Are cd's going out of date or is this cd's not so common? A little bit of both. CDs are still made, released and distributed, but album downloads are increasing and physical CDs are declining. It appears that 2014 ...
by deanbrew
Tue Apr 22, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Need help finding a better deal on this music CD
Replies: 14
Views: 911

Re: Computer Speakers

I've been very pleased with my Klipsch 2.1 system. Very good sound quality for the price. http://www.amazon.com/Klipsch-ProMedia-Certified-Computer-Speaker/dp/B000062VUO I looked at the Logitech, and it was pretty good, too, but I liked the Klipsch a little better. As for Bose... "No highs, no ...
by deanbrew
Wed Apr 16, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 822

Re: LED bulb prices

... I'm waiting for LED prices to come down further and for 100W equivalent bulbs to become more widely available and at better prices. You may be pleasantly surprised if you try 60W equivalent LEDs. The ones I purchased as giving as much light output as my old 100W incandescent bulbs, or even a bi...
by deanbrew
Tue Apr 08, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8616

Re: Want to trade car for Small SUV: Financially good, bad,

While your life is your own: I'd like to point out, being short doesn't mean you need a SUV. FWIW, I agree. It kind of cracks me up to see all of these small women in great big SUVs. "But I like sitting up so I can see." Well, that's because there are all of these other SUVs on the road a...
by deanbrew
Tue Apr 08, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: LED bulb prices

IMO the question is more about LED vs CFL, To my thinking, I would take LED hands down over CFL. Perhaps I am biased against CFL.....I know people say the new ones are much better than the earlier ones....but wherever I see CFL and am aware of it, I find the light very harsh. Plus a number of CFL's...
by deanbrew
Tue Apr 08, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8616

Re: Want to trade car for Small SUV: Financially good, bad,

three-year scenario 1: bank reduced to 5k due to high maintenance costs of BMW (too pessimistic?) ... 10k vehicle asset due to depreciation (too pessimistic?) ... 15k combined outcome three-year scenario 2: bank reduced to 0k to buy new SUV on top of BMW sale ... no maintenance cost ... 15k vehicle...
by deanbrew
Tue Apr 08, 2014 8:41 am
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: Advice on negotiating price of home?

1. Agents get paid from sellers. Your agent will realize if you find a non-listed house, she is not getting a commission. That's the nature of the business, and she won't be offended. If you want to thank her for past work, get her a restaurant or gasoline gift card, both of which would be appreciat...
by deanbrew
Mon Apr 07, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on negotiating price of home?
Replies: 14
Views: 1140

Re: Auto Accident Advice

After a thought-filled night, we decided to go through insurance. I will update this thread with my thoughts later. I hope this thread can be of some anecdotal help to others in the future. Please remember to stop back and update us on how you are treated by your insurance company, if your premium ...
by deanbrew
Fri Apr 04, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Home Search: how flexible should we be? 2x-2.5x

A couple of thoughts: I think the OP really needs to think about his "budget". Is 2.0 x HHI realistic. I'd say in many, many markets it is not. People often spend far more than this amount on homes - and, yes, I realize many people over-spend on housing, but you have to look at the big pic...
by deanbrew
Fri Apr 04, 2014 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1134

Re: Auto Accident Advice

This molehill is well on its way to being a mountain!! Let me get this straight: you run into me and you want me to sign a "release"? Suppose I tell you to put your release where the sun don't shine and demand you fork over your insurance information? (I imagine your deductible is greater...
by deanbrew
Fri Apr 04, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 31
Views: 1708

Re: Yahoo changes are awful - what homepage do you like?

I was unaware that Yahoo even still exists. It's so......2000. :confused Yahoo is the fourth most visited website in the world, behind only Google, Youtube and Facebook, and ahead of Amazon, wikipedia and ebay. For a summary of news, as well as customizable finance and sports information, it was qu...
by deanbrew
Tue Apr 01, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 5121

Re: A whole life question (put the axes and torches away)

You don't say how much the cash value goes up each year. Given the age and premiums already applied, I'm betting the value goes up by far more than the $393 "invested" each year, which seems to make it a no-brainer to keep paying on the policy. In other words, you send in $393 but your cas...
by deanbrew
Sat Mar 29, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: A whole life question (put the axes and torches away)
Replies: 40
Views: 2095

Re: Want to trade car for Small SUV: Financially good, bad,

"A happy wife..." and all of that. Your BMW is six years old, and though it only has 40k miles, I would bet on some significant maintenance expenses. New car warranty, better MPG and little or no maintenance for several years. No, you won't come out ahead on a strictly financial basis, but...
by deanbrew
Thu Mar 27, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 1958

Re: Buying Condo where I'm renting in DC suburbs (Montgomery

I don't see where you mention what size or number of bedrooms your condo has. I suspect you're right that you will need more space - indoor and outdoor - for your children in the foreseeable future. I think you really need to look ahead and see what kind of housing you want for your family over the ...
by deanbrew
Thu Mar 27, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Condo where I'm renting in DC suburbs (Montgomery)
Replies: 10
Views: 799

Re: Cheap ammo

The .22LR ammo bubble fascinates and infuriates me. I used to be able to buy .22LR ammo in every discount store (K-Mart, Walmart, etc.), every sporting good store and most hardware stores for $1.50-$2.00 for a 50-round box and $10-$13 for a 500-550 round "brick". And I'm not talking when g...
by deanbrew
Mon Mar 17, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2228

Re: Health Care Act question about 2014????

Don't take my word as gospel regarding the ultra-complex ACA, but changing jobs or retiring seems to qualify as one of the "life events" that allow enrollment outside the normal enrollment period. Losing coverage due to a job change or moving qualifies, so I would think that retiring also ...
by deanbrew
Wed Mar 12, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care Act question about 2014????
Replies: 5
Views: 342

Re: Any Subaru owners out there?

After needing a small station wagon for decades, I finally relented and went to a Subaru dealer with the intention of walking out having bought a new car (not much of a bargainer). I walked in, looked around, and said "where are all the station wagons?". It was the year they turned their ...
by deanbrew
Wed Mar 12, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4040

Re: Any Subaru owners out there?

I own a 2011 Subaru Legacy, 2.5 premium. Bought new summer of 2011. Now have approx. 51,000 miles on the vehicle. This was my 1st venture into a all wheel drive. Live in S. Mn. In past winters, always had problems getting up my hill until after snowplow made a pass, not a problem with Legacy. It's ...
by deanbrew
Wed Mar 12, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4040

Re: Where do you order business checks from?

Nope, regular personal checking account sized checks are fine. No carbon sheets needed, etc.


I ordered my last business checks (regular size just as mentioned above) from Sams Club. Much cheaper than the bank.

http://www.samsclubchecks.com/
by deanbrew
Mon Mar 10, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1089

Re: Red dot scope

Red dot sights are often used on tactical / self-defense carbines and rifles. Aiming is considerably faster, and as I posted earlier, you can keep both eyes open when using a red dot, which improves peripheral vision and depth perception. Since you are installing on a rifle, size is not terribly imp...
by deanbrew
Thu Mar 06, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Red dot scope
Replies: 11
Views: 829

Re: Red dot scope

I'm not sure if you are looking for one for a handgun or rifle or shotgun. I have three different red dot sights on three different guns. I have a Burris Fast Fire low profile reflex sight on my .44 magnum revolver I use for deer hunting. I like the way the reflex sight looks on the gun, and also it...
by deanbrew
Thu Mar 06, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Red dot scope
Replies: 11
Views: 829

Re: Want to buy but can't find the "right" vehicle - what to

I know diesels have advantages, but I'm not sure the advantages are enough to offset the price, weight and cold weather disadvantages. The so-called longevity advantage is relatively unimportant to me, because I have no plans to keep any vehicle past 100k miles, and today's gasoline engines can easi...
by deanbrew
Thu Mar 06, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3403

Re: Want to buy but can't find the "right" vehicle - what to

My Subaru Legacy has a CVT. It is an AWD car with a CVT. It also has a "manual" mode whereby the transmission creates six virtual gear ratios. If I put it in manual, I can choose a lower "gear" with the flappy paddle and I get engine braking. I often do this when going down hill,...
by deanbrew
Wed Mar 05, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3403

Re: Want to buy but can't find the "right" vehicle - what to

I have a subaru legacy with the CVT and I like it.
by deanbrew
Tue Mar 04, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3403

Re: Another rental property question

I think it's a bit unrealistic to expect positive cash flow with a 15 year amortization. 15 year loans are taken out to lower the interest rate and build up equity faster than is possible with a 30 year loan - which is fine and dandy if you can afford to pay more monthly for the shorter loan term. I...
by deanbrew
Tue Mar 04, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another rental property question
Replies: 9
Views: 766

Re: Want to buy but can't find the "right" vehicle - what to

The last post makes an answer even more difficult. There is no "perfect" vehicle without drawbacks. But I can't imagine living with a vehicle - for many years and hundreds or thousands of hours - I don't like because I saved a few bucks when I bought it. Given your list of negatives, the &...
by deanbrew
Tue Mar 04, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3403

Re: New or Used Subaru Outback?

Subaru made the 2010-2014 generation Legacy and Outback quite a bit larger than the previous 2003-2009 generation. The current generation has a lot more headroom and legroom. I'm tall, and I had trouble fitting in previous generations, and there was also not much rear seat room. The current generati...
by deanbrew
Thu Feb 27, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: New or Used Subaru Outback?
Replies: 19
Views: 1390

Re: Filling in a backyard pool/input wanted on cost-benefit

Before you do anything else, get a few estimates for removing the pool and filling the area back in with compacted soil (I would never just "fill in" a pool). A big factor, which none of us can know, is how accessible that part of your yard is. If an excavator can easily get to that part o...
by deanbrew
Thu Feb 27, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Filling in a backyard pool/input wanted on cost-benefit
Replies: 22
Views: 1544

Re: New or Used Subaru Outback?

That's an interesting analysis, quercus. Even if you came out with a result that showed a wider spread, you also have to factor in the higher expected repairs and lack of warranty of a used car (especially one with 70k miles). In my mind, you also have to consider the subjective inferiority of a use...
by deanbrew
Wed Feb 26, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Subaru Outback?
Replies: 19
Views: 1390

Re: Home office deduction = one-way ticket to being audited?

I'm sure some tax accountants and tax preparers can comment more authoritatively, but all audits are not the same. Most "audits" involve one or two issues, not an entire return. I've been "audited" a couple times for issues that raised a red flag (not the home office deduction). ...
by deanbrew
Wed Feb 26, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Home office deduction = one-way ticket to being audited?
Replies: 31
Views: 3287

Re: New or Used Subaru Outback?

Subarus, like Hondas and Toyotas, hold their value pretty well. Buying used seldom makes sense unless it's purely a matter of affordability. I wouldn't buy a five year old car with 80k miles unless it was less than 1/3 the cost of a new one, not well over half the price of a new one.
by deanbrew
Tue Feb 25, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Subaru Outback?
Replies: 19
Views: 1390

Re: 2014 auto production run ended?

I think we're just mixing terminology, but saying the same thing; I probably could have said it better than I did. What I'm calling a 'tweak' is in fact a new generation, but not a full overhaul. The 2015 spy pictures bear that out - it looks like the same car, but upgraded. 2009 and 2010 are compl...
by deanbrew
Tue Feb 25, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1052

Re: Home office deduction = one-way ticket to being audited?

I've taken the home office deduction for the past nine years and haven't been audited. I use one room exclusively for business, and rightfully claim the deduction. The new simplified method is certainly something to look at, though I come out better using the older, more detailed method. As PaddyMac...
by deanbrew
Tue Feb 25, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Home office deduction = one-way ticket to being audited?
Replies: 31
Views: 3287

Re: 2014 auto production run ended?

Right now, the 2015 Outback is expected to be revealed at the NY auto show in April - it's a new model year. No major revamps expected (apparently Subaru does the overhaul on a 15-year cycle, with some tweaks each 5 year period), as the last update was a big one in 2010. That's not true at all. Lik...
by deanbrew
Tue Feb 25, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 auto production run ended?
Replies: 15
Views: 1052

Re: LED lightbulbs

My kitchen has a fixture with 4 long florescent tubes (40W each). It's going bad and I think it's the ballast (not 100% sure). I'm thinking of just getting a LED fixture to replace it rather than fool with a 18 year old fixture. I have no handyman skills, so would need to hire someone. Can a handym...
by deanbrew
Sat Feb 22, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 186
Views: 13788

Re: Please Help Me Find A Doctor

You can almost certainly go to the BlueCross website, go to your plan and see what doctors in your area accept your insurance. You might want to also look at this website, which discusses doctor review websites (I'm not sure how up-to-date it is, but it's a start): http://patients.about.com/od/docto...
by deanbrew
Wed Feb 19, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1864

Re: Need advice: My Auto Insurer dropped me.

From my experience shopping with both captive agents (State Farm, Allstate, etc.) as well as independent agents (agents who represent numerous other insurance companies), you probably won't be asked if you've had insurance cancelled or non-renewed. You WILL be asked if you have had any accidents or ...
by deanbrew
Tue Feb 18, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice: My Auto Insurer dropped me.
Replies: 8
Views: 1141

Re: cap rate and real estate: should you sell if it apprecia

You use a cap rate (which is a snapshot calculation at a given time) to analyze and compare purchase or sale decisions. But you don't mix up different year's incomes and values. In other words, using this year's NOI and a price paid three years ago is pretty much a meaningless calculation. If rental...
by deanbrew
Mon Feb 17, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: cap rate and real estate: should you sell if it appreciates
Replies: 9
Views: 482

Re: At what does it make sense to sell?

The property is only nine years old, so it's likely in good condition. Around the 15-20 year point, you will most likely be facing higher condo fees as well as more interior repairs and maintenance as the place ages. Otherwise, trying to time the housing market is not an exact science. You should tr...
by deanbrew
Mon Feb 17, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: At what does it make sense to sell?
Replies: 15
Views: 1492

Re: Estate Planning- Attorney fees $5.5K

I am getting ready to form an LLC. My lawyer says it will cost about $900 (his fees plus county recordation and whatever else is involved). Just another bit of data, and I have no idea what other local lawyers would charge me. Like mentioned above, I think my lawyer is neither the cheapest or most e...
by deanbrew
Sun Feb 16, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning- Attorney fees $5.5K
Replies: 34
Views: 3924

Re: Third party fixed-rate electric power schemes

I've been on a fixed rate plan for the last two or three years. My local chamber of commerce sponsors a plan which has been pretty attractive. When rates dropped last year, I was paying more than the electric company's rate for a couple of months, but the chamber's plan was revised so the rate dropp...
by deanbrew
Sun Feb 16, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Third party fixed-rate electric power schemes
Replies: 14
Views: 931

Re: fluorescent tube light bulbs

I rewired two fluorescent fixtures last year, changing them from T12 to T8. The lights were flickering, and changing the tubes did not get rid of the flicker. Bad ballasts. Since I needed to replace the ballast anyway, I put in a T8 ballast. Home Depot sells a kit that has four T8 tubes and a T8 bal...
by deanbrew
Sun Feb 16, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: fluorescent tube light bulbs
Replies: 12
Views: 987

Re: What to do when your in-laws run out of money?

Buying the house is certainly a big step, and one that needs to be carefully thought out. As another poster mentioned, if nursing home care is needed, and funds are low enough where Medicaid takes over (I believe a person has to spend down all assets to under $2,000, not including real estate), a ho...
by deanbrew
Fri Feb 14, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when your in-laws run out of money?
Replies: 22
Views: 3472

Re: Please help w/ ‎Competitive Market Analysis

When looking at homes, you usually want to look within the same neighborhood (not "area" or "region", both of which suggest a larger geographical area). A neighborhood typically features similar homes and complementary land uses, and often has identifiable geographical boundaries...
by deanbrew
Fri Feb 14, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help w/ ‎Competitive Market Analysis
Replies: 3
Views: 247

Re: Strange Home Rental Situation

(1) He told the realtor he approved the application (2) He told the realtor he would forward the lease to her so she could have it executed by us. (3) Landlord and the realtor spoke, he agreed the lease signing would take place the next evening. (4) We had our checks in hand and made plans to leave...
by deanbrew
Thu Feb 13, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Strange Home Rental Situation
Replies: 23
Views: 1892

Re: Education Earnings Gap

Student loans may be leading to colleges being able to raise rates without the normal economic effects, but I still want to know where all the money is going. I'm working in academia and the university gets a cut everywhere. Overhead on EVERYTHING not to mention exorbitant tuition. Where does all t...
by deanbrew
Thu Feb 13, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Education Earnings Gap
Replies: 21
Views: 1265

Re: Education Earnings Gap

Maybe -- if all you consider is pay. I think there are non-financial rewards for higher education including qualification for a job or career that is personally rewarding (but may not have the financial uplift) or just to become better educated. If your parents are wealthy or you're able to get clo...
by deanbrew
Wed Feb 12, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Education Earnings Gap
Replies: 21
Views: 1265

Re: AT&T Mobile Users: Check your plans

Exactly. Now that phone companies are making the pricing transparent, the question is whether people will knowingly pay more each month to get a "free" phone or whether they will instead decide, "Hey, that Nexus 5 does everything the Samsung does, but for half the price! I think I'm ...
by deanbrew
Wed Feb 12, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6185

Re: Strange Home Rental Situation

"Application approved" is not a signed contract. Indeed. It sounds like the owner was pursuing several leads at the same time. And contrary to the OP, I don't believe this is illegal or even dishonest in any way. Fair housing laws don't address the application process, to the best of my k...
by deanbrew
Wed Feb 12, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Strange Home Rental Situation
Replies: 23
Views: 1892
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