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Re: Apple Pay, Google Wallet, credit, and us

I looked into this recently before Apple pay came out. It's not difficult to pay using a credit card. One draw is that it's cool and neat to pay using your phone, but that's hardly a reason to use it. My thought is if it offers additional features. For example Apple Pay promises to be more secure, a...
by paulsiu
Fri Oct 24, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 14
Views: 1212

Re: How would one negotiate with daycare?

Update. After a exhaustive search through daycares in neighboring towns, we were able to locate a few with openings. We have decided to enrolled my kids at a different daycare. The last email indicated that the original daycare have no idea when they will open and they have failed at each deadline. ...
by paulsiu
Thu Oct 23, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Re: Daycare educational material for 3 year old

Thank you everyone for their reply. Now I have a better idea to ask about the school's educational program.

Paul
by paulsiu
Thu Oct 23, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 604

Daycare educational material for 3 year old

I need some pointers on evaluating the education aspect of daycare for a 3 year old. What should I be looking for? The daycare tells me that they are state accredited and that they go beyond that, but I haven't figure out what that means. It's easy enough to evaluate the facility's safety and teache...
by paulsiu
Thu Oct 23, 2014 2:47 am
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 604

Re: Preventing animals from chewing through garage threshold

While waiting for the garage people to get back to me, I stick a few glue traps right next to the hole so that any animal would have to crawl through the trap to get anywhere. So far, it's worked somewhat. I haven't gotten anything coming through except for flies and apparently worms (!?).

Paul
by paulsiu
Mon Oct 20, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: Anybody ever reduce term coverage amount?

After reviewing my insurance, I realized that I am actually paying premium for life insurance at work. Based on calculation, the insurance at work is half the cost of the 30 year term life, but the coverage ends when I leave my work and probably convert to a crappy rate. By eliminating that policy, ...
by paulsiu
Mon Oct 20, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 820

Re: Windows XP

I still used my windows xp machine as a file server, but do not use it for internet use. I suppose it's possible to attack a machine while it's sitting around, but since I am not browsing on it, the risk is minimized. The XP box also has both Antivirus and Malwarebyte, the latter I run every once in...
by paulsiu
Mon Oct 20, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 61
Views: 2488

Re: Replacing primary sump pump - how difficult

I have been researching this topic some more. Here's what I learn so far. How the pump works Most pump used are the submersible type. This design allow cooling from the water and runs a bit quieter. Most will sit in some sort of well. In residential houses, the well are typically 18x24 inch (about 2...
by paulsiu
Sun Oct 19, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1025

Re: Anyone think the streamer commerical is ironic

Ha,

I totally miss the content of the commercial. That does make sense then.

Paul
by paulsiu
Sun Oct 19, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Anyone think the streamer commerical is ironic
Replies: 3
Views: 601

Re: Replacing primary sump pump - how difficult

so the backup uses some sort of water float switch and the main pump has no switch. I am guessing that it's pressure based. It looks like a dome. My fear is that if I take out the primary, I will managed to wipe out the secondary. I should be able to take out the primary without disturbing the secon...
by paulsiu
Fri Oct 17, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1025

Anyone think the streamer commerical is ironic

There's a commercial where a financial firm had a bunch of people pull a streamer and the streamer at some point terminates indicating the age that they will die. I think the idea of the commercial is that you'll never know when you will die, so you should invest so that your asset will last. At thi...
by paulsiu
Fri Oct 17, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone think the streamer commerical is ironic
Replies: 3
Views: 601

Re: Relatively new here. What did you do in 2008/09

Thanks a lot Paul for the posts and perspective of living through it. I am always concerned how the stock market recovered with vengence after 2008 crash due to Fed stepping in. So this recovery is not a normal one and does not fit the bill of "mean reversion" that passive indexing relies...
by paulsiu
Fri Oct 17, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6805

Re: Relatively new here. What did you do in 2008/09

I'm not sure what the difference is between being fearful and not being able to take the hits. Just the emotional component? Otherwise they seem to lead to the same results. :confused The difference is that being fearful is an emotional response and the latter is a planned response. In the case of ...
by paulsiu
Fri Oct 17, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6805

Re: Anybody ever reduce term coverage amount?

You know, I am in the same boat. I have two kids, one is an infant, the other is 3. I purchased 3 policies. One for my wife for 30 years wasn't all that expensive (she's younger). One for myself for 20 years that was way more expensive. There's a 30 years policy on the way for 500K, but the premium ...
by paulsiu
Fri Oct 17, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anybody ever reduce term coverage amount?
Replies: 16
Views: 820

Replacing primary sump pump - how difficult

I notice that the primary sump pump may be dead. The reason I think this is because the alarm keeps going off everytime it rains. The alarm indicated the secondary sump pump is activating but the primary one is not. I looked in the well and can see that it's some sort of green dome like pump. My gue...
by paulsiu
Fri Oct 17, 2014 3:33 am
 
Forum: Personal Consumer Issues
Topic: Replacing primary sump pump - how difficult
Replies: 18
Views: 1025

Re: Relatively new here. What did you do in 2008/09

To give the OP an idea of what happened during the 2008 to 2009 years. Let's examined an IRA account I own. This is an account that is 100% stock and consist of about 70% Total stock market and 30% total international market. There were no contribution made to the account. We are using this account ...
by paulsiu
Fri Oct 17, 2014 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6805

Re: How would one negotiate with daycare?

A very good friend is a daycare worker so I know a little about the industry. Given the center is delayed in opening I wouldn't trust that the teachers you interviewed are still there as I doubt the center would be paying them. Daycare workers don't make much and there is really high turnover as th...
by paulsiu
Thu Oct 16, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Annual Premiums for life insurance

I was looking at getting coverage for life insurance for about 2.5 M. Actually there are 3 policies. My wife runs for 30 years. I am older and runs only 20 years (where I'll be a few years from retirement), so I have a $1M policy for $20 years and a $500K for 30 years. The idea is that the kids will...
by paulsiu
Thu Oct 16, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annual Premiums for life insurance
Replies: 1
Views: 191

Re: Relatively new here. What did you do in 2008/09

I wonder how satisfy you were with your decision. I am happy with sticking to my strategy of keeping the same portfolio.

Paul
by paulsiu
Wed Oct 15, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6805

Re: Preventing animals from chewing through garage threshold

Unfortunately, we are all allergic to cats and I used to own several when I didn't know I was allergic. There are also a lot of skunks in my neighborhood, a hazard for dog owners. One the neighbor's dog is not all that bright. Every week, it has to live in the garage because it attempts to go after ...
by paulsiu
Wed Oct 15, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: How would one negotiate with daycare?

Usually when we shop for a daycare, we asked about their turnover rate. In the last daycare, the teachers didn't change all that much. I usually ask about background checks, though there's no guarantee that it will filter out all of the bad folks. Bungalow10 is right that there's only so much they c...
by paulsiu
Wed Oct 15, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Re: lost cell phone

One idea is to have some sort of bluetooth device on you. You can set up something like this: http://www.solidsignal.com/productview.aspx?p=10027500&d=ELGATO-10027500-SMART-KEY-BLUETOOTH-LOCATOR-TAG-10027500&sku=&utm_campaign=base&utm_medium=organic&utm_source=google_base When yo...
by paulsiu
Wed Oct 15, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: lost cell phone
Replies: 6
Views: 738

Re: What happened to the audiophile?

I am pretty sure they are still around. Keep in mind one of the music market making money are the records. Like any hobby, it is subject to competition. There's just so many other stuff you can be into. Audiophile also have the issue of cost. It would be best to be an audiophile when you are young a...
by paulsiu
Wed Oct 15, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3693

Re: How would one negotiate with daycare?

I think I may have to give them another chance. The reason is that no daycare is perfect, you're choosing the lesser of several evils. We had interviewed several daycare before settling on this one. We observe that one daycare had rather bored teacher who basically let kids run around without much s...
by paulsiu
Wed Oct 15, 2014 2:03 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Re: How would one negotiate with daycare?

We did raised the issue of delays with the daycare several months ago when we signed up. I asked if there was a possibility of being delayed. They said at the time that anything can happen, but that delays were unlikely because we would be entering daycare a month after it was opened, any issue woul...
by paulsiu
Tue Oct 14, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Re: Relatively new here. What did you do in 2008/09

I followed the plan and rebalanced as a result:
1. Bonds were sold as a high and purchase stock at bargin prices.
2. Funds continue to pour into portfolio, buying up shares at bargain price.

After a while, the portfolio recovered.

Paul
by paulsiu
Tue Oct 14, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6805

Re: Preventing animals from chewing through garage threshold

I have talked with an animal and the garage person. Both indicated that when the weather change, mice attempt to find their way into the house. The problem is that mice are difficult to keep out. In this case, the mice exploited a weakness at the corner of the garage and got in. Once they did some d...
by paulsiu
Mon Oct 13, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: What's the best Comcast phone and cable deal?

Well, U-verse just become available in my area, but they demand a contract and my sister-in-law's experience with them have not been good. My experience with Comcast in the past have not been good either (it was so bad that I banned cable since the late 80's), this is why I stuck with the DSL, but D...
by paulsiu
Mon Oct 13, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 972

Re: Mold under Marble Tiles?

Ah ok, I apologize that I do not have an answer then since I never worked with tiles.

Paul
by paulsiu
Mon Oct 13, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Mold under Marble Tiles?
Replies: 7
Views: 631

Re: What happens when there is no estate planning: reference

How many sibling do you have? Are there grandchildren? The suggestion of looking at intestate succession is good. For most states, the kids get their money divided equally and then there is a series of other rules apply if there are no children. The reason I asked is that the issue becomes more of a...
by paulsiu
Mon Oct 13, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What happens when there is no estate planning: reference?
Replies: 18
Views: 1151

Re: Preventing animals from chewing through garage threshold

I called the garage door installer. He indicated that you can't use a metal threshold because the concrete is imperfect and requires a rubber portion to get around the imperfection. He did indicated that they now make a chew resistant threshold which consist steel wool composite that's would be bett...
by paulsiu
Mon Oct 13, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: Preventing animals from chewing through garage threshold

None of that stuff work. Chipmunk and mice simply ignore the mixture or just chew through it. The pepper stuff have been tried on and off for several years, but they never work.

Paul
by paulsiu
Mon Oct 13, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: Mold under Marble Tiles?

Don't most homeowners coverage have limited coverage for mold? What would be the issue of checking?

Paul
by paulsiu
Mon Oct 13, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Mold under Marble Tiles?
Replies: 7
Views: 631

How would one negotiate with daycare?

I have signed up for daycare, but the daycare center is 2 months late in opening. They blame the DCFS certification process. They keep stringing us along though saying it may be just around the corner, only to tell us that DCFS is dragging their feet. The nearby daycare appears to be full with waiti...
by paulsiu
Mon Oct 13, 2014 2:55 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 2978

Re: Cleaning Up Leaves

I chew it down using a munching mower and leave it as it is. In the back, I back up to a fake retention wetland with a lot of trees, I just sweep all of the extra leaves there. It's no one's property, so no one complaints and it breaks down by next year any way.

Paul
by paulsiu
Mon Oct 13, 2014 2:49 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 2997

Preventing animals from chewing through garage thresholds

Well, it appears that the garage door threshold has been chewed through again. My best guess is that it was done by chipmunks. I couldn't figure out what they could be after in the garage, but then I realized that grass seeds may actually be edible to chipmunks and rodents. In the future, I shouldn'...
by paulsiu
Mon Oct 13, 2014 2:46 am
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1459

Re: What's the best Comcast phone and cable deal?

What about just internet?

I figure if I can attach an external antenna, I could probably get good enough OTA.

Paul
by paulsiu
Mon Oct 13, 2014 2:32 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 972

What's the best Comcast phone and cable deal?

Looking to switch from AT&T DSL to Comcast. Was looking for internet and possible basic cable bundle. I was thinking of setting up OOMA instead of using comcast phone, so I am not at all interested in triple play. Any idea what's considered a good internet and basic cable comcast deal? Thanks. P...
by paulsiu
Mon Oct 13, 2014 2:03 am
 
Forum: Personal Consumer Issues
Topic: What's the best Comcast phone and cable deal?
Replies: 15
Views: 972

Re: Computer Backup & Restore - Old Machine to New

I would backup all of the data and reinstall everything. Moving from one machine to another will involved new drivers. You appear to be going from 32-bit to 64-bit. Here's what i would do. Share your old machine on the network. Install the new machine with the same software and then copy all of the ...
by paulsiu
Sun Sep 21, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Computer Backup & Restore - Old Machine to New
Replies: 8
Views: 1033

Re: Blood work for cats

Well, as the original OP, I wasn't asking for specific medical treatment for specific conditions, but weighting whether these test are worth it for a healthy animal. If my mom was really well-off, the test will probably be a no brainier, but my mom lives on fixed income. She also live in a rather we...
by paulsiu
Sun Sep 21, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2550

Re: We have a grocery problem... [Household budget]

I have a similar issue. I cooked everyday but don't go to wholes food and my grocery bill is still quite high. I plan to attack it in the following manner: 1. Examine the receipt to see where the spending is going. Perhaps it's going to these snacks, etc. I am betting that a lot of money may be due ...
by paulsiu
Sun Sep 21, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10856

Re: [can my family live in a] Tiny house

For the earlier part of my childhood, I lived in that size place with my parent, my sister, and my grandmother. It depends on what you are used to. It was probably not ideal, but real estate for that area of the world was just too costly.

Paul
by paulsiu
Sun Sep 21, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 60
Views: 4205

Blood work for cats

The vet has been hard selling regular blood work for my mom's cat. The cat is now about 12 years old but is still pretty healthy and do not apparently have any known health issues. I haven't owe a cat for several decades and don't remember blood work being done in those days. Do you think it's worth...
by paulsiu
Sun Sep 21, 2014 1:48 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2550

Re: How to achieve a balance between "saving" and "living"?!

What you are asking is the efficient frontier of happiness. If you maximize your happiness in the short term, you will run out of resources and spend the rest of your life unhappy. If you delay your gratification too much, you may reach your retirement with regrets because you are no longer young en...
by paulsiu
Sun Sep 21, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6668

Amazon Mom - what do you subscribe to

Finally got around subscribing to Amazon mom. Based on what I can determine, you have to subscribe to 5 items a month to get a discount. The easiest item to do this are diapers, which the baby use about a box a month any way. Now I am thinking of the other possible other 4 slots: 1. Formula - except...
by paulsiu
Sat Sep 13, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Mom - what do you subscribe to
Replies: 1
Views: 344

Re: Email security risk from staying logged in?

Not unless they have access to your machine. If you have a laptop and it's stolen, you can just change your password so the person can't login.

Paul
by paulsiu
Sat Sep 13, 2014 1:07 am
 
Forum: Personal Consumer Issues
Topic: Email security risk from staying logged in?
Replies: 10
Views: 1159

Re: Mobile device wallets security and usage

Looks like the major article about NFC vulnerability was back in 2012. The article mentioned Ice cream sandwich and older devices having issues, but it's not clear if later versions have this problem. I imagine in order for the attack to work, the NFC has to be operating at the time. I don't think N...
by paulsiu
Sat Sep 13, 2014 1:03 am
 
Forum: Personal Consumer Issues
Topic: Mobile device wallets security and usage
Replies: 2
Views: 286

Re: Need advice on which tablet to buy

What do you have now? You can reuse the same apps if they are from the same ecosystem. Just about every tablet on the market will serve your need, even the cheap ones. Is there some additional citeria such as long battery life, loud speaker, usage in the sun, etc.

Paul
by paulsiu
Fri Sep 12, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2664

Mobile device wallets security and usage

I was setting up a phone for my mom and notice that it had NFC. I was curious and started looking into it. I previously dismissed the idea of a phone wallet because of security. What if someone steals the phone or have some sort of skimmer to read the NFC from your phone from a distance. However, wi...
by paulsiu
Fri Sep 12, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Mobile device wallets security and usage
Replies: 2
Views: 286

Re: low expense mobile phone?

For really low usage, the cheapest appears to be Lycamobile. It uses the Tmobile network. Supposedly, the minutes never expire as long as you make a call every 90 days. Cost is $0.05 per minute. I have it setup on a dumb phone. it's not so good for data and you can't send pictures through the messag...
by paulsiu
Fri Sep 12, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1460
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