Search found 244 matches

by thewizzer
Wed May 20, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Any advice on handling frequent weekend getaways?
Replies: 14
Views: 2096

Re: Any advice on handling frequent weekend getaways?

I would think that based on what you describe, you would do well to join some hotel loyalty programs or get a co-branded hotel chain credit card.
by thewizzer
Wed Mar 25, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 713

Re: 457(b) Question

It's hard to offer advice without knowing the fee structure.
by thewizzer
Thu Mar 19, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 3499

Re: Children's Swingset

To be blunt, $4800 is a ridiculous price to pay for that swingset. I'm not being totally fair, because I'm not sure what area of the country you live in. With that being said, after just a quick glance at that particular set, I can tell you that it's not a quality set. The giveaway is that all the s...
by thewizzer
Sat Mar 07, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1628

Re: Time of Use Electrical Rates

I live in the Midwest and I have participated in my electricity providers TOU metering program for the last 6 years. It works for us. However, your electricity consumption is very high. It's hard to say whether or not you would benefit without more information on your consumption patterns.
by thewizzer
Mon Mar 02, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2069

Re: Father in law possible elder scam victim?

Merely taking a loan, even if the terms aren't favorable to the lender, isn't a scam. I think you're right to be suspicious, but I wouldn't jump to conclusions. You're absolutely correct. There isn't enough information provided to make a decision on whether or not any laws were broken. My above adv...
by thewizzer
Mon Mar 02, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2069

Re: Father in law possible elder scam victim?

So you are going to pay a lawyer to draft a letter to scare them into paying? How much does this lawyer cost? Is it worth it for $7000? I don't know where you live, but where I'm from that's what the police do. In fact, I consider it one of my specialties :) Police can threaten arrest (if appropriat...
by thewizzer
Thu Feb 26, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough to retire at age 50?
Replies: 28
Views: 4306

Re: Do I have enough to retire at age 50?

I agree. That mortgage kind of puts a big kink in your plan, imho.
by thewizzer
Thu Feb 26, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 2081

Re: cold air from electric socket

You can get a 6 pack at Lowes for 2 bucks. They specifically state that they are flame retardant. I wouldn't bother with trying to make your own.
by thewizzer
Sun Feb 22, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 10500

Re: What age do you guys plan to retire?

June 23, 2031. Age 50 1/2 yrs old. That's the current plan, anyway
by thewizzer
Sat Feb 21, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 983

Re: Moving to Denmark--a few questions

dgdevil wrote:Also, make sure your US credit card (again, preferably, with no foreign fees) has a PIN arranged, or it will be useless in Denmark.


Unless something has changed in the last 2 years, this is incorrect. I had no issue using any of my regular credit cards while in Denmark.
by thewizzer
Tue Feb 17, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 407566

Re: TradingPlaces' advice on travel awards

I've heard about the RedCard. I might look into that further. I will admit though that I'm not entirely comfortable quite yet with the whole manufactured spending strategy. Although as soon as I say this, I read this http://frequentmiler.boardingarea.com/2015/02/16/redbird-to-be-rolled-out-nationwi...
by thewizzer
Tue Feb 17, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 407566

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in t...
by thewizzer
Mon Feb 16, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 407566

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in th...
by thewizzer
Mon Feb 09, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 79862

Re: Mr. Money Mustache: Hero or Foolish?

I always find it interesting on how this particular subject evokes such a strong response out of people. The detractors are to be expected, but the really interesting part (at least for me) is how his followers are so rabid in their defense of the man.
by thewizzer
Sun Feb 08, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1045
Views: 172656

Re: What Movie Have You Recently Watched?

The SpongeBob Movie: Sponge Out of Water.

I fell asleep.
by thewizzer
Tue Feb 03, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6789

Re: Time to stop driving for 85 yo MIL

blevine wrote:Thanks all for your input.


Any update? Is she still planning on buying that new car?
by thewizzer
Sat Jan 31, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

Re: What to see in Istanbul

Without a doubt, Istanbul is our favorite destination city, bar none. There is more to see there, the history is fascinating, the people are friendly, and the food is marvelous. There must be more places to eat there than the rest of the world put together ( :wink: ). The big sites have been mentio...
by thewizzer
Sat Jan 31, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Sat Jan 31, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 11510

Re: How to respond when someone asks how much money you make

It's funny that it's a social faux pas for regular folks like us to know how much our colleagues make; however, many experts blame large executive pay precisely because they know how much other executives at rivals make, and they use it as leverage for higher pay. For example, the CFO at the very p...
by thewizzer
Fri Jan 30, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Fri Jan 30, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

Re: What to see in Istanbul

You'll be fine. Turkey is huge. I actually really wanted to go to the eastern part. I wanted to see Van in the lake district. Unfortunately it got hit really hard by a horrible earthquake. I'd like to also see Mt. Ararat. Probably not the time to go to the eastern part with the troubles with Syria ...
by thewizzer
Fri Jan 30, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

Re: What to see in Istanbul

Thanks all for the replies. I didn't mention it at first, but my parents are going with me. They are both history buffs, so we shouldn't be at a loss for things to see or do. I must admit that there's a small piece of me that's a bit concerned regarding the current state of affairs regarding the reg...
by thewizzer
Wed Jan 28, 2015 11:50 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 2565

What to see in Istanbul

This evening I booked a small vacation to Istanbul. I found round trip direct flights out of O'Hare for $549 in March and I couldn't pass it up for that price. I've wanted to see Istanbul for a while. I know it will be relatively cold (in the 50's) and probably rainy, but that's fine with me. The in...
by thewizzer
Sun Jan 25, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 4222

Re: New car safety features

I do not have any of the features on my current vehicle (2003 Toyota pickup truck), but I'm in the same boat as you. For my next vehicle, I'm leaning toward a Subaru product with their eyesight technology. I also think Honda is making a good move by having a rear backup camera standard on all of the...
by thewizzer
Sun Jan 25, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6789

Re: Time to stop driving for 85 yo MIL

We had to face this with both of my parents, who FOUGHT like crazy and resisted. After we visited one final time and declared we would NEVER get in a car with them, we had to do something. (This was triggered by one of our children declaring after a visit with their own children that they'd never g...
by thewizzer
Sun Jan 25, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6789

Re: Time to stop driving for 85 yo MIL

In Illinois, law enforcement officers and doctors can contact the Secretary of State to request what essentially boils down to an 'unsafe driver investigation.' It usually involves having the elderly person come in for another driving exam. Don't know what state you are in, but you might want to lo...
by thewizzer
Sun Jan 25, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6789

Re: Time to stop driving for 85 yo MIL

In Illinois, law enforcement officers and doctors can contact the Secretary of State to request what essentially boils down to an 'unsafe driver investigation.' It usually involves having the elderly person come in for another driving exam. Don't know what state you are in, but you might want to loo...
by thewizzer
Wed Jan 21, 2015 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I enroll in this 457 plan?
Replies: 15
Views: 1051

Re: Should I enroll in this 457 plan?

I may be mistaken, but most plans allow you to roll a govt 457 plan into a traditional IRA at a place like Vanguard upon separation from employment, correct? Yes, that is correct. But as others have stated, one would lose the benefit of withdrawals upon seperation without penalty of they were to do...
by thewizzer
Thu Dec 18, 2014 10:44 pm
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 1019

Re: Vinyl (as in old records)

I would think that a record shop (yes, they still exist) would probably take them off your hands. You might make a buck or two, but I wouldn't expect much.
by thewizzer
Wed Dec 10, 2014 12:26 am
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 2586

Re: Buying a casket

by thewizzer
Mon Dec 08, 2014 10:09 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 3066

Re: Ad hoc travel to Antarctica

I just read 'How to Travel the World for Free' by Michael Wigge the other night. He documented how he made it from Berlin to Antarctica without spending any money (well, he made a bit of money on the way). It was an interesting read, but mostly nothing more than a publicity stunt. It involved a lot ...
by thewizzer
Sun Nov 30, 2014 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1067

Re: Does contributing to 457b make sense in my situation?

In your case, I don't think it makes any sense to contribute. As you stated, you cannot rollover a non-governmental 457(b) to an IRA. It would only be allowed to be rolled over into another 457(b) plan. But since you don't know where you will end up working, you can't say for sure whether or not the...
by thewizzer
Wed Nov 26, 2014 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4947

Re: Paying my parents a salary not to touch their nest egg

cfs wrote:Let your parents enjoy THEIR money.

Very sad situation.

Your parents worked all their life, what they have accumulated belong to them, let them enjoy EVERY single penny.

I have no further comments.



+1000
by thewizzer
Tue Nov 25, 2014 12:34 am
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 3065

Re: Experiences using VRBO, Airbnb internationally

I used airbnb in Budapest this last May. It was such a good experience I am planning on using it again this coming May for a trip to Scotland/Ireland.
by thewizzer
Sun Nov 23, 2014 9:37 pm
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 3776

Re: My grown up Christmas wish-A Warm House

Insulate your box sills in the basement. This will help quite a bit.

http://youtu.be/V5B5xytcz78
by thewizzer
Sun Nov 23, 2014 1:54 pm
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 6620

Re: 2015 Suburu Outback

miles monroe wrote:has anyone compared the outback with the crosstrek?


I'm interested in the answer to this question as well.
by thewizzer
Sat Nov 22, 2014 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 1650

Re: A friend asked about about resignation timing, but IANAL

I have absolutely no idea.

With that being said, is the job that bad? What's the downside to waiting around until Feb. 1 just to be sure?
by thewizzer
Thu Nov 06, 2014 10:19 pm
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 4321

Re: Electricity costs going up

I live in MA and use National Grid for my electricity. They just got approval from Board of Public Utilities to raise there rate to 16.18 per kWh nearly double our current rate. We have gotten letters from another company who will guarantee their rate at 11.99/kWh for 36 months. Is anyone familiar ...
by thewizzer
Mon Nov 03, 2014 8:35 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1430

Re: Seeking recommendations for a new dishwasher

We've had a Bosch for 7 years. No complaints. Cleans well, quiet, and you can put plastic on the bottom rack.
by thewizzer
Tue Oct 14, 2014 1:14 pm
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 3009

Re: Ebola preparation

My local public health district promoted a 'stock 2 for flu' campaign a few years ago. Essentially, the advised to stock up on two week supplies of food, water, and other necessities in the event of a bird flu pandemic. I suppose the same logic applies for any other type of viral pandemic. For the r...
by thewizzer
Mon Oct 06, 2014 8:58 pm
Forum: Personal Consumer Issues
Topic: Schwann's, Tasty Bite?
Replies: 4
Views: 796

Re: Schwann's, Tasty Bite?

We get Schwans delivered every other Thursday. Most of their offerings are pretty good. Much better quality than typical frozen foodstuffs from the local grocery store. They are also more expensive than typical grocery store prices, so I'm not sure it would work on a budget. All of it is frozen, so ...
by thewizzer
Sun Oct 05, 2014 11:24 pm
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1761

Re: New hardwood floor

mrpotatoheadsays wrote:Two words: Lumber Liquidators.

Glue; never nail. Nails = squeaks.


I wouldn't glue if I were you. Most hardwood floor is nailed. A competent installer can nail it down so squeaks should not be an issue.
by thewizzer
Sun Oct 05, 2014 6:10 pm
Forum: Personal Consumer Issues
Topic: Garage doors advice
Replies: 8
Views: 1122

Re: Garage doors advice

I agree with the above poster. Stay away from polystyrene insulated doors. Also, make sure the doors you buy have steel cladding on both the inside and outside. Some cheaper steel doors don't put steel on the interior. This makes the insulation visible and it also makes the door flimsier. I had two ...
by thewizzer
Sun Sep 28, 2014 7:36 am
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 584

Re: Selling car with loan.

If you're dealing with a sales company, it'll be super easy. They deal with these types of issues everyday. Haven't you ever gotten a mailer telling you that they are looking for used cars just like yours? Dealerships are always trying to get people to trade in their two year old vehicle for somethi...
by thewizzer
Sat Sep 27, 2014 7:45 pm
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 584

Re: Selling car with loan.

if there is a loan on the car you cannot sell it, it is not yours, pay off the lean first and then sell the car. This isn't entirely true. You can sell the car even if you still owe money on it. I sold a truck several years ago that I was still making payments on. I don't remember the exact numbers...
by thewizzer
Tue Sep 16, 2014 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 11131

Re: Any success stories of ppl who never made >$50,000?

So I understand why a lot of people don't stick around, ... I imagine that lots of people come here, get the answers to their questions, and move on. Not everyone needs or wants to spend time hanging out on a message board forum. They probably have lots of better things to do with their time, once ...
by thewizzer
Fri Sep 05, 2014 7:14 am
Forum: Personal Consumer Issues
Topic: Gutters
Replies: 10
Views: 1283

Re: Gutters

What is a typical cost per foot installed?
by thewizzer
Thu Aug 28, 2014 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 240
Views: 382662

Re: New 2% cash back Mastercard from Citi

I wish I could find a card like this with no foreign transaction fee...
by thewizzer
Mon Aug 25, 2014 10:50 am
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 704

Re: Recalled baby crib - modify to donate to charity?

I ran into the same issue a few years ago.

Just throw it away. I know it stinks to put something in the trash that is completely serviceable, but just throw it away.

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