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Re: [Eating] Fish

I really only eat fresh stuff, I can't stand frozen food. With that said...salmon, gulf shrimp, and scallops are about all I've eaten recently. Tilapia is absolutely disgusting, btw. I put zero faith in the FDA claims, especially since I've seen the massive pens used to raise them. 99% of what look...
by texasdiver
Tue Apr 22, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 104
Views: 7044

Re: US NEWS 9 Most Affordable Placs 2 Retire

In most overseas countries, if you want to live a life according to the local standards, it can be cheap. However, if you want to live a life according to the U.S. standards, big houses, good cars, travels, not crowded hospitals, etc., it will most likely be more expensive. The same thing applies t...
by texasdiver
Tue Apr 22, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: US NEWS 9 Most Affordable Placs 2 Retire
Replies: 21
Views: 2424

Re: I need a new coffee maker, any recommendations?

Wow...jinx. Cmartel2 and I just posted the exact same post at the exact same time.
by texasdiver
Thu Apr 17, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2240

Re: I need a new coffee maker, any recommendations?

There are actually only three consumer-grade automatic coffee makers that meet the standards of the Specialty Coffee Association of America which evaluates coffee makers based on temperature, brewing time, and quality. https://www.scaa.org/?page=cert2 Technivorm Mocamaster (various models) which cos...
by texasdiver
Thu Apr 17, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 60
Views: 2240

Re: Why Americans are Retiring Overseas

I've been living and working in an ultra uptight environment for too long - when I retire, I want to go bohemian, maybe international, looking for a short list of places. Not for forever, just until I feel the need for a change. Suggestions appreciated. BFG PS/perhaps I should define bohemian, dome...
by texasdiver
Thu Apr 10, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9017

Re: Why Americans are Retiring Overseas

Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person. Taos, Ogden , Portillo Definitelly not Portillo. That is a jet-set ski resort in the Chilean Andes. No town there, jus...
by texasdiver
Thu Apr 10, 2014 5:11 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9017

Re: Why Americans are Retiring Overseas

My wife and I talk about this from time to time especially as we have lived in various Latin American countries over the years and she was born and raised in Chile where all of her family still live. Frankly I am somewhat skeptical of those who claim how much cheaper retirement is overseas. The bigg...
by texasdiver
Thu Apr 10, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9017

Re: Two Apartments, One FiOS Account

What about something like one of the pay as you go personal hot spots such as Karma? https://yourkarma.com/ Not going to be the solution if you want nightly netflix but should work fine for ordinary web usage and will be portable so they can take it anywhere. You pay by the GB not the month so for o...
by texasdiver
Fri Apr 04, 2014 8:37 am
 
Forum: Personal Consumer Issues
Topic: Two Apartments, One FiOS Account
Replies: 15
Views: 1179

Re: Preventing Office Theft of Food and Other Stuff

I don't ever use the communal fridge. When I bring my lunch it comes in an insulated lunch box that sits in my desk drawer.
by texasdiver
Thu Apr 03, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5185

Re: Accident in a rental car on government credit card

OK, I rented a bazillion cars when working for the Federal government as I was traveling all the time. The federal government negotiates rates with the rental car companies that include the insurance as part of the base rate. In fact, we were instructed to waive the additional coverage offered by th...
by texasdiver
Tue Apr 01, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Accident in a rental car on government credit card
Replies: 24
Views: 1314

Re: Auto trailer hitch bike racks

This is what the Swagman looks like. definitely not as sleek and compact for storage

Image
by texasdiver
Tue Mar 11, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1153

Re: Auto trailer hitch bike racks

Thanks texasdiver for the information. The main reason I'm considering the platform-type racks is that the hang-down racks I've seen all allow the two bikes to bang or rub together. I have one of those (Thule spare tire mounted) and got the anti-sway attachments that hold the bikes on the downtube ...
by texasdiver
Mon Mar 10, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1153

Re: Auto trailer hitch bike racks

I've been a pretty hard core cyclist for the past 30 years and now haul a lot of family bikes around so I've had a lot of experience using every type of rack. For rear hitch racks you basically have 2 different styles: (1) the tray style where the bike wheels sit on a tray and the bike is supported ...
by texasdiver
Sat Mar 08, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Auto trailer hitch bike racks
Replies: 21
Views: 1153

Re: Best place to buy backpacking and camping gear

Don't know where you live but there is always your local backpacking and mountaineering shop. Here in Waco TX (which isn't exactly a backpacking and mountaineering paradise) we do have two local independent outdoor outfitter shops who are making a go of it. Of course they aren't necessarily cheaper ...
by texasdiver
Sat Mar 08, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy backpacking and camping gear
Replies: 24
Views: 1434

Re: Mouse/Rat traps

I tried about 5 different expensive options last time I had mice. None of them worked well. What did work was the old fashioned wooden mouse trap with peanut butter bait. Seems like you really can't make a better mousetrap.
by texasdiver
Thu Mar 06, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1775

Re: Advice needed on problem neighbors

If you have the resources you can always buy the house out of foreclosure yourself, toss the riff raff out, then flip the house to some more responsible buyer or keep it. In the long run that might be a more proactive and less costly approach then battling them for years, putting up barbed wire as h...
by texasdiver
Fri Feb 28, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3144

Re: Best car tire air pump?

OK here is the issue: The normal cigarette lighter DC outlet in cars has too low of an amperage to power much of a motor. The wires running to those cigarette lighter outlets are thin and they are on a small fuse circuit. Probably a 10 amp fuse. So any big compressor will pull too many amps and blow...
by texasdiver
Thu Feb 27, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Best car tire air pump?
Replies: 17
Views: 1194

Re: Is This Deal Too Good To Be True?

I've done the all expense paid thing to Punta Cana before to attend a medical conference with my wife. I think we actually stayed at that same exact resort. The name sounds very familiar. All the big resorts are pretty much run by American companies. If you are nervous I would just call the resort a...
by texasdiver
Thu Feb 27, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Is This Deal Too Good To Be True?
Replies: 5
Views: 1349

Re: Experiences with Eli Lilly Credit Union for HSA?

Well, it sounds like Eli Lilly is a viable option.

Guess I will attempt to open a new HSA with them for this year's contribution and if all goes smooth I'll put in a transfer request to move the existing funds in HSA Bank over to Eli Lilly.
by texasdiver
Thu Feb 13, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 57
Views: 3913

Experiences with Eli Lilly Credit Union for HSA?

I currently have an HSA through the HSA Bank, the bulk of which is invested in Vanguard ETFs through their TD Ameritrade brokerage option. However I have seen mention of Eli Lilly Credit Union as an alternative that has lower fees, higher interest rates, and provides the same no-fee access to TD Ame...
by texasdiver
Wed Feb 12, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Experiences with Eli Lilly Credit Union for HSA?
Replies: 57
Views: 3913

Re: Less Obvious Travel Spots

Due to family connections I travel to Chile more than anyplace else. So here goes. For a more urban experience, Valparaiso Chile. One can rent a room in one of the many new bed and breakfasts and boutique hotels cropping up in the area and spend time writing next door to the late Pablo Neruda's hous...
by texasdiver
Sun Feb 09, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 5121

Re: Closets etc for new home

DIY here also. But it was a MASSIVE job. I built over 25 drawers and drawer fronts custom sized to fit different spaces, put in full slides everywhere, and had to drive 100 miles to Dallas to find the correct gauge melamine for building drawers. I also bought a router, router table, biscuit joiner, ...
by texasdiver
Sat Feb 08, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Closets etc for new home
Replies: 17
Views: 1658

Re: AARP Membership?

Wow...30 responses in a couple hours. Guess I struck a nerve. Sounds like there really isn't all that much too it. They make it sound like you struck gold in your golden years. Into the round file it goes.
by texasdiver
Sun Feb 02, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1578

AARP Membership?

So on the day of my 50th birthday what arrives unsolicited in the mail? My AARP membership package. Talk about a slap in the face. They are nothing if not efficient and must keep a good database. They want $16/year for it. I've always assumed this was something like AAA where you get discounts and a...
by texasdiver
Sun Feb 02, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1578

Re: Letting go: Classic textbooks

How are you people managing to recycle hardcover books? I thought the covers made that a no-no. You learn something new every day. I googled this up and you are correct. The glue in the binding makes them difficult to recycle. Apparently hardcovers must be stripped of their binding and covers befor...
by texasdiver
Fri Jan 17, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3622

Re: Letting go: Classic textbooks

...I don't know about engineering, but in my field of biology, not only has the science itself completely changed in the past 40 years but the basic approach and emphasis has also changed.... Right. I can't even keep track of the number of kingdoms there are. I think it peaked at seven, and then th...
by texasdiver
Fri Jan 17, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3622

Re: Car Tires

I've been driving for 35 years and have gone through a LOT of tires over that time. I've never once replaced a tire for anything other than treadwear or sidewall puncture. If it is a car you are driving on a daily basis then you will wear the tread out long before anything else wears out. That said,...
by texasdiver
Thu Jan 16, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Car Tires
Replies: 22
Views: 2789

Re: Letting go: Classic textbooks

I don't know about engineering, but in my field of biology, not only has the science itself completely changed in the past 40 years but the basic approach and emphasis has also changed. Old textbooks make good leaf presses but that is about it. This past summer I cleaned out the science department w...
by texasdiver
Thu Jan 16, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3622

Re: Work & Life balance

10 years ago I quit a relatively high powered government position that had me traveling on the road and out of state at least 10-15 days a month and frequently working late when I was home for a job teaching HS science within the same school district that my children attend. It was more than a 50% c...
by texasdiver
Thu Jan 16, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Work & Life balance
Replies: 12
Views: 1656

Re: Questions to ask a legal attorney

I think you are in the wrong forum. Back 12 years ago when my wife was immigrating to the US from Chile under a fiancee visa we found a lot of help and information on a variety of immigration-related internet forums where there were some highly qualified immigration attorneys and other experts lurki...
by texasdiver
Thu Jan 16, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Questions to ask a legal attorney
Replies: 8
Views: 969

Re: Finished Basement Ideas

Are you sure water isn't an issue? If it were me I would put in some sort of sealed waterproof floor (tile, sealed concrete, epoxy painted concrete, etc.) and then use area rugs to soften up the floor and provide carpeting where desired. I would also plan ahead for the possibility of making it a mot...
by texasdiver
Wed Jan 15, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2020

Re: Investors beware... account security IS important!

The security questions are where the risk really is. Most of the answers are easy to get if you know the person or have access to their social media sites. I always answer the questions completely wrong. Things like, (examples only) First car might be first pets name. City born might be favorite mo...
by texasdiver
Tue Jan 14, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 7407

Re: A detailed guide for bicycling from SF to LA

Very nice! I rode the Astoria - San Francisco section of the coast last summer with my 10 year old daughter and 70 year old father. We didn't make it past SF but didn't intend to. I blogged it here: http://kentalind.blogspot.com/ We found the Adventure Cycling maps to be more up to date and the rout...
by texasdiver
Mon Jan 13, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: A detailed guide for bicycling from SF to LA
Replies: 8
Views: 701

Re: Best way to exchange USD for vacation?

Be sure to call your credit card and ATM 800 number to let them know that you where you will be traveling to. Just got back from Chile. my Bank of America card web site had a travel notification section where I could go online and enter the countries I was traveling to and the dates. It was buried ...
by texasdiver
Mon Jan 13, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Best way to exchange USD for vacation?
Replies: 18
Views: 884

Re: Vacation with Kids

My kids are now 7, 10, and 15 but we went through that stage and I remember it well. My suggestions: 1. avoid hotels that require you eat out. Most kids that age don't appreciate eating out and it is a pain to find restaurants for every meal. So much nicer to have a kitchen and their favorite foods....
by texasdiver
Fri Jan 10, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Vacation with Kids
Replies: 21
Views: 1584

Re: Had to go back to work

I teach at a HS and see a number of retired teachers who show up to take substitute teaching jobs. Some of them are quite elderly and feeble and why they would subject themselves to dealing with a bunch of HS kids they don't know without absolutely needing the money is beyond me. I've chatted with s...
by texasdiver
Wed Jan 08, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Had to go back to work
Replies: 31
Views: 2464

Re: Dating, Gender, & Wealth Differences...

My wife earns 3x what I do. Was not and is not a problem for us. Although when we met I out-earned her given that she was still in medical training. Give everyone who interests you a chance. You'll quickly figure out who is for real and who isn't.
by texasdiver
Mon Jan 06, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Dating, Gender, & Wealth Differences...
Replies: 102
Views: 5849

Re: Ozone generators for odor removal?

I would not use an ozone filter around pets given the potential health risks. I personally prefer filters that use some combination of carbon and zeolite to deal with pet odors. It used to be easy to find CPZ (carbon, potassium permanganate, zeolite) filters which are a type of HEPA room filter, bu...
by texasdiver
Sun Jan 05, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Ozone generators for odor removal?
Replies: 20
Views: 1204

Ozone generators for odor removal?

Anyone have any experience with using these to deal with pet odor? We have a 3300 sf house that has accumulated 3 cats, a yellow lab, a couple of gerbils, and a a 150 gallon African cichlid tank. I find that I have a lower tolerance for pet odor than the spouse and kids and I've been looking for way...
by texasdiver
Fri Jan 03, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Ozone generators for odor removal?
Replies: 20
Views: 1204

Re: RV Road Trip - Suggestions

I'd do a loop through the southwest parks region of Northern AZ and southern Utah. Some of the higher-elevation locations may be cold but if you have decent heaters in the RV should be fine. Be a great time to see some of the national parks without the crushing summer crowds and hot weather.
by texasdiver
Fri Jan 03, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: RV Road Trip - Suggestions
Replies: 11
Views: 1163

Re: Non-retirees: Envisioning Retirement

I'm 50 with 3 kids ages 7, 10, and 15. For my wife and me, retirement looms off in the distant future when we the kids are all through college and we finally have only ourselves to look after. Even if we are still working, it will feel like retirement I think with no kids around. My wife actually wa...
by texasdiver
Fri Jan 03, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4366

Re: Europe with young kids - 6 and almost 3, bad idea ?

We have 3 girls ages 7, 10, and 15. We have also traveled the world with them since the oldest was born including annual trips between Alaska where we used to live and Chile where my wife is from. Generally speaking younger kids do better if you don't try to move them so much. Set up housekeeping in...
by texasdiver
Mon Dec 30, 2013 9:32 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 1974

Re: Grilling: Propane, natural gas, and electric?

I have natural gas plumbed to my patio and was going to get a natural gas grill when I replaced my old Weber with a new one. But after thinking about it I went with propane instead to make the grill more portable but especially to make it easier to use up the propane from my camper. We have a Fleetw...
by texasdiver
Thu Dec 26, 2013 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 51
Views: 2894

Re: New Year's Eve

Going to be watching the fireworks over the South Pacific from a balcony in Valparaiso Chile while drinking Chilean wine and eating Chilean empanadas http://www.travellersplacehostel.cl/files/2012/04/vina_121243.jpg We are taking the kids to visit my wife's family in Chile over Christmas break and m...
by texasdiver
Sun Dec 22, 2013 2:27 pm
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3098

Re: Tips for a One-Way U-Haul Move

Another tip, separate the packing and loading into separate tasks on separate days. Get a big pile of identical boxes and start packing everything that is not essential and stack the boxes in the garage for loading. Then when moving day comes you only need to load and not pack. Also investing in a g...
by texasdiver
Sun Dec 22, 2013 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 1624

Re: Tips for a One-Way U-Haul Move

Note the height of the truck and the clearance of any bridges you go under. You would be surprised how many people total a U Haul by driving under a too low highway overpass. This guy lives near one such bridge and has a bridge cam for our horror and entertainment http://www.buzzfeed.com/samir/vide...
by texasdiver
Sun Dec 22, 2013 11:36 am
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 1624

Re: Tips for a One-Way U-Haul Move

My tip is to use Penske instead of U-Haul Better trucks, better company. Budget would be the 2nd choice and U-Haul last. Don't believe me? Read the reviews. None of them are fabulous and moving makes people grumpy. http://www.epinions.com/reviews/hmgd-Moving_Services-All-Penske_Moving_Service http:/...
by texasdiver
Sun Dec 22, 2013 10:42 am
 
Forum: Personal Consumer Issues
Topic: Tips for a One-Way U-Haul Move
Replies: 39
Views: 1624

Re: Gas mileage quiz

texasdiver, Thanks for the fun problem. I solved it by assuming that all vehicles drove 100 miles per year. I wish that you had been one of my high school teachers. Relating physics to cars would have made physics much more relevant and fun. If I had the time, resources, and support of my school an...
by texasdiver
Sat Dec 21, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Gas mileage quiz
Replies: 57
Views: 2755

Re: Gas mileage quiz

The correct answer is C. In your example of a solution above, if you buy the new truck, you use a total of 11.67 gallons of gas. If you buy the new car you use a total of 12.00 gallons of gas. You gave the mileage numbers with two significant digits therefore the two results are rounded to 12 and a...
by texasdiver
Sat Dec 21, 2013 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Gas mileage quiz
Replies: 57
Views: 2755

Re: Using cash

Regarding credit cards vs debit cards. Yesterday I heard something on the news that I thought was 100% incorrect. It was the "Week in the News" wrap up show on Tom Ashbrook's On Point. One of the guests said the following about using debit cards: "When you use your debit card at the c...
by texasdiver
Sat Dec 21, 2013 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Using cash
Replies: 56
Views: 2824
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