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Re: Novaform Mattresses at Costco

We bought one from Costco years ago, and recently replaced it with a TempurPedic when we moved. I honestly can't tell much of a difference between the two. I think overall people either love memory foam mattresses or hate them. We're in the love them category. Ours is very firm initially and loosens...
by scottyja
Mon Sep 22, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Novaform Mattresses at Costco
Replies: 14
Views: 1652

Re: Good Modern Science Fiction

I have to admit that I find Wool a bit amateurish. Perhaps partly because of that and definitely partly due to massive, gaping technical and sociological impossibilities, I found it difficult to maintain the suspension of disbelief and get lost in the world the author created. I felt this way too -...
by scottyja
Tue Sep 09, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5381

Re: Good Modern Science Fiction

I appreciate this list - I primarily read Science Fiction and there are a few here that I've never heard of - I think I'll hit the library on the way home! Some of my recent favorites are the Ringworld series, Snowcrash and Hyperion. I really, really wanted to enjoy Anathem, but I couldn't get into ...
by scottyja
Mon Sep 08, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5381

Re: Experiences with concrete lifting

Thanks for the responses. The good news is that the foundation is sound (so far). I think the builders just did a rush job on the driveway. The sidewalk the city put in after the driveway was down (and cuts through some of the driveway) is still level. This was all 15 years ago, so I'm hoping the so...
by scottyja
Mon Aug 25, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 755

Experiences with concrete lifting

We have a fairly large concrete driveway that is buckling. The driveway consists of 9 concrete pads or sections, and each one seems to be lifting and sinking independently. The worst part has one pad dramatically sinking in one corner and the adjacent corner raising, causing about a 3-4" lip. T...
by scottyja
Mon Aug 25, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 755

Re: Weekend in Tucson - Kids' Birthday

Take a hike in Saguaro National Monument - a sight you really won't see in any other part of the country. And then indulge in some great Mexican food! My favorite is El Guero Canelo , which is a little rough around the edges, but your 12 year olds will love the Sonoran Hot Dogs. Or I really like El ...
by scottyja
Thu Aug 14, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 892

Re: Sprinkler system lesson learned--leave valves open

mhc wrote:I always make sure I leave those half opened for the winter.


I've heard this too, but never really understood why the advice is half-opened. Why not fully open?
by scottyja
Thu Jun 05, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Sprinkler system lesson learned--leave valves open
Replies: 6
Views: 1109

Re: New homeowner: lawn care advice

+1 on a lawn service. I love coming home Thursday after work and seeing the lawn done. You can generally find people in the classifieds willing to do it much cheaper. I pay $20/week for ~ 10k square feet of lawn. In 20 min those guys knock out what was taking me 1.5-2 hours every Saturday. This allo...
by scottyja
Mon Apr 14, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26703

Re: Help Please! I have an Android tablet 101 question

Which version on Android does your tablet have? I just installed ESFE and didn't have this problem on my Android phone (Nexus 4 with Android 4.4.). When I browse to a folder and select a video, I have the option to launch it through Android's media player or ESFE's media player. In both cases the ap...
by scottyja
Fri Feb 28, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Help Please! I have an Android tablet 101 question
Replies: 6
Views: 362

Re: New 2014 Car - Should I Put Anything On The Finish?

Like a clear coat? More like a screen protector you put on your phone. It's a thin, plastic wrapping that's applied manually. I think the 3M Paint Protection Film is the most common product - sometimes called Clear Bra . I had a friend try to install it himself and it didn't turn out well at all. I...
by scottyja
Tue Jan 21, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: New 2014 Car - Should I Put Anything On The Finish?
Replies: 24
Views: 1850

Any experiences starting a charity?

Suppose you saw a need in your community that current non-profits or charities do not resolve. I was discussing this with a coworker today and we concluded the need definitely exists, a charity would certainly help, but neither of us have experience or vision to take it from there. One thought would...
by scottyja
Tue Jan 21, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Any experiences starting a charity?
Replies: 1
Views: 204

Re: What's your dream car?

For you car aficionados, check out this comparo: http://www.motortrend.com/roadtests/sedans/1403_luxury_super_sports_sedan_comparison/ . I don't think I've ever read a comparison test where one car won so handily. Yikes - I think that $195,510 price tag puts me clearly out of the 3x rule! It's funn...
by scottyja
Tue Jan 21, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11322

Re: New 2014 Car - Should I Put Anything On The Finish?

I use the Griot's One-Step Sealant twice a year. I probably have the car washed once or twice between applications. However, if I had a brand-new car, I would consider having the plastic film professionally installed on the front. That's where 90% of my paint chips occur, and if you live in an area ...
by scottyja
Tue Jan 21, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: New 2014 Car - Should I Put Anything On The Finish?
Replies: 24
Views: 1850

Re: What's your dream car?

Audi S4- I have a thing for high performance sedans. I'm also a big fan of the new Audi Allroad, for those days I need to ski. I've never owned an Audi, but I'm told the repairs are quite expensive, so I'll have to factor that into the cost when/if I ever buy one.
by scottyja
Tue Jan 21, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11322

Re: New baby, switching insurance plans retroactively

Be very careful. Is your wife on the same plan as you, or do you have separate coverage? We were in a similar situation, but my wife and I had different insurance. The baby had a NICU stay and hefty bills, and there was a lot of confusion about which charges went on which account. We were told that ...
by scottyja
Wed Oct 16, 2013 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby, switching insurance plans retroactively
Replies: 7
Views: 420

Re: Programming Linux

Have him try CodingBat. It's a free site that has simple coding problems he can work on to gain experience with java and python.
by scottyja
Thu Oct 10, 2013 11:11 am
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1537

Re: Old 401k Now Has New Fees, Move to Rollover IRA or New 4

I didn't even realize you could roll old 401k's over! For some reason I thought you had a window to do this after you left that employer. I have an old 401k in the same boat in terms of fees... you're saying I could roll this over to an IRA at any time?
by scottyja
Tue Oct 01, 2013 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old 401k Now Has New Fees, Move to Rollover IRA or New 401k?
Replies: 5
Views: 327

Re: Do you have flood insurance?

There is limited coverage with a basement - 17 items are covered - for instance, consider if you had a finished basement (drywall, paint, baseboards, etc.), under flood coverage you would only receive drywall hung to the wall - no drywall tape, no baseboards, no finish, or paint. Also, contents in ...
by scottyja
Thu Sep 26, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have flood insurance?
Replies: 22
Views: 1650

Re: Dry, breathable, lightweight, reasonably priced rain she

Also, REI Outlet is doing 20% off a single item through tomorrow (6/11). The seem to have some good rain jacket deals to check out.

The Columbia Triple Trail II seems to meet your criteria and is <$200 after tax with the 20% discount.
by scottyja
Mon Jun 10, 2013 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 3168

Re: Dry, breathable, lightweight, reasonably priced rain she

From my experience, $300 for a high-quality jacket is not unreasonable. You'll likely be able to find some clearanced at backcountry.com or rei outlet. However, this time of year you can expect to pay full retail for most spring/summer jackets. If you really want a steal, wait until the winter when ...
by scottyja
Mon Jun 10, 2013 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 3168

Response from Health Equity

I was surprised to get a pretty prompt and thorough email back from one of their research analysts. He did give the typical spiel about fund performance, but he also seemed to be very aware of the increased costs and willing to work with me (us). I honestly don't know the ins and outs of the brokera...
by scottyja
Fri May 31, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3038

Re: Help with Health Equity HSA

Kosmo wrote:I most likely will contact them and ask why they don't offer any low cost index funds.


Please do this. Their customer service email is memberservices@healthequity.com. I would hope enough of a backlash would do *something*.
by scottyja
Thu May 30, 2013 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3038

Re: Help with Health Equity HSA

If it helps, here are all the new funds with corresponding expense ratios. Sorry about the formatting, perhaps someone here knows how I can paste it in a more readable format? Fund Name ER Fund Name PCRDX 1.19% PIMCO COMMODITY REAL RET STRAT D RNWEX 1.01% AMERICAN FUNDS NEW WORLD R4 DREGX 1.68% DRIE...
by scottyja
Wed May 29, 2013 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3038

Re: Help with Health Equity HSA

I'm with Health Equity also, and the 3 funds I'm investing in are going away. I just posted another topic asking about opening a second HSA, which looks like the route I'm going to take. I am somewhat glad that I'm not alone in this Health Equity change. I would encourage all of you to send them an ...
by scottyja
Wed May 29, 2013 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Health Equity HSA
Replies: 22
Views: 3038

Worth adding a second HSA?

I'm currently enrolled in my company-sponsored HSA. We're maxing out contributions (my employer also matches $1500 each year) and we're paying for medical expenses out-of-pocket, trying to build this account up. Originally they only had a handful of funds to invest in and one index fund - Vanguard L...
by scottyja
Wed May 29, 2013 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Worth adding a second HSA?
Replies: 2
Views: 268

Re: how to safely sell a car

We've sold a couple of cars on craigslist and have never had an issue. I think it helped to meet at our credit union. We would go inside and get copies of the buyer's drivers license and current insurance, and I would always go on the test drive. One time a guy came to look at our car and just thoug...
by scottyja
Thu May 23, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: how to safely sell a car
Replies: 30
Views: 2720

Re: Advice on Highlander/Odyssey purchase

We had a Honda Pilot for years (which we loved), but upgraded to an Odyssey when we had our third child. We originally made the upgrade because trying to do 3 carseats in the Pilot just wasn't working - we couldn't fit all 3 in the second row, and we couldn't slide a seat out of the way to get to th...
by scottyja
Thu May 23, 2013 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Highlander/Odyssey purchase
Replies: 44
Views: 4118

Re: Contractor invoice double the estimate, what are my opti

+1 for trying to work out a compromise. I'm a contracting officer, and I see this all the time. My guess is he knows its onerous, and just wants to see what he can get out of you. I would figure out a number you are comfortable with backed by actual figures/work and present it to him with the cavea...
by scottyja
Fri May 17, 2013 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1202

Re: Contractor invoice double the estimate, what are my opti

Did you sign a contract? Does it commit you to pay for whatever labor is needed to get the done, regardless of the estimate? Or is it a fixed-price contract? Or is there no contract at all? There is a signed estimate, that constitutes the contract. The estimate only specifies if additional time is ...
by scottyja
Fri May 17, 2013 11:45 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1202

Re: Contractor invoice double the estimate, what are my opti

now if you ASKED for extra work not included in the original estimate along the way, that's a different story - it should be a given that it would add extra cost and time. There was some of that with the local crew, but the cost is reflected properly in the invoice and only accounts for $75 of the ...
by scottyja
Fri May 17, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1202

Horseshoe Bend

Horseshoe Bend is just a couple miles south of Page, and is pretty amazing during sunset. There's a small dirt parking lot just off the highway that's pretty easy to miss. The hike is really short and easy. It makes for a good end to a day of hiking and exploring. http://en.wikipedia.org/wiki/Horses...
by scottyja
Fri May 17, 2013 11:07 am
 
Forum: Personal Consumer Issues
Topic: Page, Arizona travel recommendations
Replies: 6
Views: 252

Contractor invoice double the estimate, what are my options?

We hired a contractor to do some work around our house. The estimate he provided was approximately $1,500. In the estimate, it indicated that additional work would be charged at a set hourly rate. The work was completed and the other day we got the invoice for the work and it is over $3,000. My wife...
by scottyja
Fri May 17, 2013 10:47 am
 
Forum: Personal Consumer Issues
Topic: Contractor invoice double the estimate, what are my options?
Replies: 13
Views: 1202

Re: HSA question about taking out money

Thanks SVT for clearing my confusiong. However, what are the tax implications. Do I need to enter 3000 somewhere while filing tax in 2014 as I might not have HDHP plan or I do not need to indicate anywhere about 3000? I'm no expert, but my understanding is the HDHP limitation is on contributions on...
by scottyja
Tue May 14, 2013 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA question about taking out money
Replies: 8
Views: 565

Re: Where to backup /Save sensitive information; Google Driv

Like others have mentioned, I use TrueCrypt. While I do store sensitive data online (mainly with Google Drive), it's always encrypted in a TrueCrypt container.
by scottyja
Mon May 13, 2013 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Where to backup /Save sensitive information; Google Drive ?
Replies: 51
Views: 3721

Re: What are your top companies for customer service?

Sort of a niche, but Crutchfield electronics for car stereo equipment has always been great.
by scottyja
Thu Apr 18, 2013 11:57 pm
 
Forum: Personal Consumer Issues
Topic: What are your top companies for customer service?
Replies: 76
Views: 4014

Re: 10 K mile service - take it to the dealer?

$100 oil changes kill me. Personally, I say do it yourself. You can get full synthetic oil and a filter for $20 when you look for a deal (Pepboys, Autozone, etc...). Then you just need some ramps and basic tools, there's nothing too complicated about it. Just be sure to change out the crush washer o...
by scottyja
Thu Apr 18, 2013 3:45 pm
 
Forum: Personal Consumer Issues
Topic: 10 K mile service - take it to the dealer?
Replies: 26
Views: 1736

Rebalancing without selling

I noticed last week that my HSA investments are unbalanced - not by much, just 8-10% between the three funds. My other investments (401k and IRA) have options to automatically rebalance the portfolio, but my HSA does not. I gave them a call and explained what I was trying to do and found out that I ...
by scottyja
Tue Jan 29, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing without selling
Replies: 1
Views: 267

Re: New Kindle Fire and Warranty?

I would say skip the extended warranty and use an American Express to purchase it. Amex automatically extends manufacturer's warranty by a year.

https://www.americanexpress.com/us/cont ... ranty.html
by scottyja
Mon Oct 29, 2012 12:28 pm
 
Forum: Personal Consumer Issues
Topic: New Kindle Fire and Warranty?
Replies: 9
Views: 1015

Re: Should I tax premium or benefit for Disability Insurance

Thanks for the responses. I think I'll pay on the premium like many of you have suggested. Given the disability is only 60% of my income, I think the tax burden on the benefit would be greater than on the premium. Hopefully I'll never have to find out!
by scottyja
Thu Oct 25, 2012 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I tax premium or benefit for Disability Insurance
Replies: 10
Views: 529

Should I tax premium or benefit for Disability Insurance

It's our benefits enrollment period at work, and when selecting disability insurance, I have to choose whether I want the premium taxed or the benefit taxed. Besides a basic description of which each is (see below), there's no real description of the advantages/disadvantages of each. Any thoughts on...
by scottyja
Thu Oct 25, 2012 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I tax premium or benefit for Disability Insurance
Replies: 10
Views: 529

Re: Buying a secondary timeshare in Utah

Wow, thanks for all the advice. I especially like the idea of renting, finding a unit we really like and trying to secure a hold on the unit for the next year. I think we'll try that out for a bit. It sounds like it works for a number of you.
by scottyja
Wed Oct 17, 2012 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Buying a secondary timeshare in Utah
Replies: 17
Views: 1938

Buying a secondary timeshare in Utah

Is buying a timeshare ever a good idea? I've heard you can get some steals from the secondary market, and I like the idea of having something for skiing in the winter. I am looking for something in Park City or in one of the other major Salt Lake resorts. I'm not sure where to start looking for thes...
by scottyja
Thu Oct 11, 2012 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying a secondary timeshare in Utah
Replies: 17
Views: 1938

Re: Learning to Speak Chinese

I've studied Mandarin a bit, but I'm certainly no expert. I would have her check out LiveMocha before spending money on Rosetta Stone. It has free introductory lessons that should give her an idea of what learning Chinese will entail. It's very similar to the Rosetta Stone approach, so she may prefe...
by scottyja
Tue Jul 24, 2012 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Speak Chinese
Replies: 49
Views: 4832

Re: Choosing from 11 funds for HSA

Do you have expense ratios for these funds? Yes, should have included that before. No surprise the Vanguard fund is lowest: Fund Family Symbol Fund Name Expenses --------------- ------- -------------------------------- -------- VANGUARD VLCSX Vanguard Large Cap Index Signal 0.10% T. Rowe Price PRFD...
by scottyja
Thu Jul 05, 2012 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing from 11 funds for HSA
Replies: 4
Views: 362

Choosing from 11 funds for HSA

So I have enough in my HSA account now to invest in some of their pre-selected funds. I thought I would have the option to select any fund I wanted, but have to choose between the following: Fund Family Symbol Fund Name --------------- ------- -------------------------------- VANGUARD VLCSX Vanguard...
by scottyja
Thu Jul 05, 2012 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing from 11 funds for HSA
Replies: 4
Views: 362

If you like sci-fi

I just picked up Wool by Hugh Howey. It was highly recommended and I have had a difficult time putting it down. I'm about halfway through the Omnibus edition.
by scottyja
Tue May 29, 2012 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1167757

Re: Mental Math to think about while running

I like Muchtolearn's advise. Try to focus on your run as much as possible. I swim quite a bit and really try to think about the basics - mostly form and split times. For longer swims I know my mind will wander, so I try to come up with exercises that will benefit me after. My favorite is coming up w...
by scottyja
Thu May 17, 2012 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Mental Math to think about while running
Replies: 42
Views: 3716

Re: Can you express your investing philosophy as a Haiku?

I enjoy money
I dislike managing it
Do what is simple
by scottyja
Thu Feb 23, 2012 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Can you express your investing philosophy as a Haiku?
Replies: 41
Views: 1834

Re: Do you use mint.com? Security concerns?

G-Force wrote:I use USAA money manager, except I only list bank accounts and credit cards and not investments. To track everything I use Quicken Essentials for Mac.


I wasn't aware USAA had this service. I went ahead and added my bank accounts and credit cards. Thanks for the suggestion!
by scottyja
Fri Feb 17, 2012 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you use mint.com? Security concerns?
Replies: 59
Views: 7154
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