Search found 251 matches

by Cyclone
Fri May 18, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 17
Views: 1975

Re: Dash camera

I've wondered if, for everyday driving, you could simply set up a cellphone on a stand on the dashboard to record. Once you reach your destination (safely), you could just delete the video and start a new one.
by Cyclone
Wed May 16, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1505

Re: Interesting/Playful ideas for 1 year baby

You can start teaching sign language. There is even a "Dummies" book about it. Young children can communicate with sign language before they can talk.

I can understand limiting television, but there is The Baby Channel. I haven't watched it, but maybe it she would like it.
by Cyclone
Wed May 02, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10065

Re: Have you quit eating sugar? Tell me how!

I'm going to suggest something completely different. I read this in a Tony Robbins book, I think "Awaken the Giant Within". For someone trying to stop eating candy (I don't remember if it was all types of candy, or just chocolate), he told the guy to eat nothing but candy. Eat all the candy you want...
by Cyclone
Sun Apr 29, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1763

Re: Visiting OK and KS with family

Consider giving the kids some Dramamine before a long drive. I remember getting very carsick driving through that area when I was around that age.
by Cyclone
Mon Apr 16, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 1065

Re: San Diego Safari Zoo

I would also highly recommend the caravan safari. You are right there feeding giraffes and rhinos, versus viewing them from a distance.
by Cyclone
Sat Apr 14, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1285

Re: Disneay Aulani (Hawaii) vacation planning

My wife and I stayed at the Four Seasons last summer. That is a fantastic hotel if you can find a way to stay there (my wife works at another Four Seasons). We walked around the Aulani and it looks great for kids, but it is also crowded. The food at the Four Seasons can be reasonable in price if you...
by Cyclone
Sat Mar 31, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3369

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

21st Century is owned by Farmers. But I have been a 21st customer for years, and I have found them to be helpful when I needed it.
by Cyclone
Tue Mar 20, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 35
Views: 2934

Re: Most Effective Rat Poison

A long time ago I read to mix half cement (not concrete - cement is the powder mixed to make concrete) and half cocoa, and place it in a shallow pan alongside a pan of water. I have no idea if it actually works. We had a dog that used to love rat poison. He would growl and snap at you if you tried t...
by Cyclone
Mon Mar 12, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 5122

Re: Bicycle Commuting in LA - Thoughts?

I drive in Los Angeles every day, and I don't think it's a good idea. Drivers are supposed to leave a certain distance between their vehicle and the bicycle (three feet?), but hardly anybody does that. I notice that bicycle lanes seem to disappear for no reason as well. It's really going to depend o...
by Cyclone
Thu Feb 22, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2528

Re: Employment for Immigrant Wife

My wife is from the Philippines. Her first job was at McDonalds, and now she is doing very well at a luxury hotel. They have many Chinese-speaking guests, and I know they would love to have more staff members who speak the language.
by Cyclone
Mon Jan 01, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 36
Views: 3762

Re: Hawaii vacation suggestions

You will need a permit to bring a pet to Hawaii, plus a lot of other stuff you need to know:
http://hdoa.hawaii.gov/ai/aqs/animal-qu ... tion-page/
by Cyclone
Tue Nov 21, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4710

Re: Trip to Hawaii - what do I need to know

Step one is to figure out what you want to see, because each island is different. For example, if you want to see a volcano you need to go to the Big Island.
by Cyclone
Fri Oct 27, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not discharging PMI?
Replies: 15
Views: 2201

Re: Bank not discharging PMI?

In addition to the Homeowners Protection Act, Fannie Mae and Freddie Mac have their own rules, in case the loan was sold to them.
by Cyclone
Mon Oct 16, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4473

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

If visiting Pearl Harbor, you should make reservations ahead of time. My wife and I went to visit in July and I forgot about that. We got to Pearl Harbor shortly after it opened, and the boats to the memorial were already booked until 3:30. I have to laugh at the posters referring to Honolulu as a "...
by Cyclone
Sun Oct 08, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 3417

Re: Rental cars and Lose of Use insurance

I have the type of Amex insurance that you pay $18 per rental. It is primary coverage (on the rental car, not any other car you hit). I did learn the hard way that it does work like they say it will, and their service was very good. I don't know the details about logs and such, but I know they did r...
by Cyclone
Fri Oct 06, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 3047

Re: Fidelity: can no longer use first initial, middle name

There is absolutely nothing in the Patriot Act that says financial institution customers cannot use an initial as their first name.
by Cyclone
Sat Sep 02, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 5252

Re: Discover card inquiry about income and liquid assets

DaftInvestor is correct. Recent changes in regulations require that the credit card issuer ask your income before increasing your credit limit. The issuer can rely on what you say. In other words they do not have to ask for proof, although I think they can.
by Cyclone
Thu Aug 24, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not responsible for money stolen by online hackers.
Replies: 13
Views: 3603

Re: Bank not responsible for money stolen by online hackers.

As somebody said, business accounts do not have nearly the same protections as consumer accounts.
by Cyclone
Fri Aug 18, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 710

Re: Organ (Music) Question

My mother has a church organ (by Allen) I will probably have to dispose of someday as well. She says there are always churches or colleges that would like to have one.
by Cyclone
Thu Jul 27, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 3282

Re: Where to move? New job, considering Nevada...

Two points: - If you are considering Phoenix, you might also think about Tucson. It is smaller and a little cooler (because of higher elevation). There are other small cities in Arizona (such as Flagstaff, Prescott, or Payson) that are not hot at all. - I believe the Big Island of Hawaii can be a ch...
by Cyclone
Tue Jul 04, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Office Building with 12 Tenants
Replies: 19
Views: 2390

Re: Commercial Office Building with 12 Tenants

Can you really get a loan for 20 percent down? The bank I work for would require at least 25 percent. How about that interest rate of 5 percent, is that fixed for the full ten years?
by Cyclone
Tue Jun 27, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 5331

Re: Things to do in Iowa/Nebraska

I would devote more time to the Amanas. It's one of Iowa's top attractions (for what it's worth - it's no Grand Canyon). I would skip Adventureland entirely, it's just a crappy tiny theme park. There are much better things to do in or near Des Moines.
by Cyclone
Tue Jun 27, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 5331

Re: Things to do in Iowa/Nebraska

That is a terrible time to go - too late for strawberries and too early for sweet corn. The Iowa State Fair is a few weeks later, too. Probably the best thing to see there is the fair, you really should see it. One suggestion I don't see yet is to tour Winnebago Industries in Forest City. In Winneba...
by Cyclone
Wed Jun 14, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 3069

Re: Having someone else pay our mortgage

That plan would make this a loan on an investment property, and not your primary residence, so that is one difference right off the bat.
by Cyclone
Mon May 22, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1518

Re: Help me help my non-US citizen fiancée

It's going to be extremely difficult, if not impossible, for someone to open a financial institution account without a Social Security number these days. "Midareff" had some good advice - I brought my wife here from the Philippines. For step one I would check into if it's even possible for your fian...
by Cyclone
Sun May 21, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3703

Re: Chandler, AZ

Here is a free sweepstakes anyone can enter to win a $1 million+ home in Scottsdale. It's not Chandler, but it's free:

http://www.hgtv.com/design/hgtv-smart-home
by Cyclone
Sat May 06, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1570

Re: Southeast Asia for a week, in August first week

You could also consider Cebu, Philippines. It is a city, but a small city. It is very easy to get to the countryside and beaches if that is what you want. Language isn't a problem either, since everyone will speak English to you (or at least try).
by Cyclone
Wed Apr 26, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1404

Re: How to find a good local mechanic?

I have had poor experiences with both AAA and Yelp-recommended mechanics, and am sticking with the dealer. At least they know the brand better. I don't know why a local mechanic also wouldn't have incentive to recommend unneeded repairs.
by Cyclone
Wed Apr 19, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 47765

Re: Larry Swedroe says "Goodby."

I don't blame him at all. I've basically been told on this forum that I'm stupid for having the dealer change the oil on my car. I try very hard to make my posts noncontroversial, but some people just love to argue.
by Cyclone
Wed Apr 19, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Credit score and closing old cards
Replies: 9
Views: 1126

Re: Credit score and closing old cards

Be aware that if you don't use a credit card for awhile, they might cancel it. They may not even tell you it was canceled.
by Cyclone
Tue Apr 18, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 10314

Re: Mens Blue Jeans - What are we buying now?!

I like a brand called Maverick that I have only seen on Amazon. I think I paid $13.
by Cyclone
Fri Apr 14, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 1095

Re: Where to find business appropriate clothing [womens small sizes]

My wife is 4-9 and weighs 90 pounds, and has the same problem. Fredericks of Hollywood (believe it or not) used to have dresses that fit her that you could wear to work, but they don't sell dresses anymore. American Apparel clothing fits her, but they are almost out of business. The only other brand...
by Cyclone
Sun Apr 09, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 2913

Re: BH thoughts on car insurance

If you live in California (taking a wild guess), you can use the California Department of Insurance website both to compare rates and to see complaint statistics.
by Cyclone
Sun Apr 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 5137

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I am not making a joke at all. I have had poor experiences with the friendly local independent mechanics. In my experience they don't know the brand nearly as well as the dealer. But to each his own. "Your mileage may vary", if I can use a pun here.
by Cyclone
Sat Apr 08, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 5137

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I bought a Toyota Corolla 18 months ago, and I just took it for the 18-month service yesterday. The first four services are free ("ToyotaCare"). Just to compare, yesterday for $329 I was offered to extend that for four more services (plus an additional two if I have it serviced where I bought it) an...
by Cyclone
Thu Mar 16, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 3387

Re: won a car - want to sell

Maybe the solution is to trade in the car you won, and your current car, on another car that you do want.
by Cyclone
Fri Mar 03, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance without PMI?
Replies: 29
Views: 2852

Re: Refinance without PMI?

You should simply talk with your current lender first, before refinancing. See what your options are. You might get lucky - they could just say they'll drop it with no problem (if there has been significant appreciation in your area). At least see what they have to say.
by Cyclone
Sat Feb 18, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Check Fraud
Replies: 4
Views: 1218

Re: Vanguard Advantage Check Fraud

I couldn't find anything on the Vanguard website, either. So it sounds like this isn't a bank account. What is it? If this isn't an account with a regulated bank, I'm guessing their account agreement will apply here (but as you said you can't find the agreement). That's why I use Charles Schwab. The...
by Cyclone
Mon Jan 09, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4716

Re: Teeth whitening

My teeth are particularly yellow. I used the gel and tray sold by the dentist for awhile. I found that simply brushing with Sensodyne Extra Whitening gave me all the whitening that I need.
by Cyclone
Sun Jan 08, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4979

Re: The funk - gym clothes

I let mine dry overnight before putting them in the hamper, and it seems to help.
by Cyclone
Thu Jan 05, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 95
Views: 21746

Re: Charles Schwab Checking + Brokerage Account

A bank can decide to close your account without giving you a reason. I'm not saying that makes it right, just that they can. Usually it's because they think you are a risk (check kiting or money laundering most of the time).
by Cyclone
Thu Dec 22, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: I have an inheritance...please help me plan my course of action!
Replies: 13
Views: 2524

Re: I have an inheritance...please help me plan my course of action!

It may not have been crystal clear from the answers, but you want to keep the money already in the IRA / 401k in the IRA / 401k as long as you can. There is no tax as long as it stays there. There will be required minimum distributions, which you can read about. If you need money for something, try ...
by Cyclone
Wed Dec 21, 2016 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Moved to the USA one year ago, how to build credit?
Replies: 12
Views: 1226

Re: Moved to the USA one year ago, how to build credit?

A few years ago my wife got a Capital One credit card that was especially marketed for new immigrants, and she didn't have a credit history. I'm not sure if they still offer that. I cannot believe that the US credit rating agencies would know anything about your old Canadian phone bill. These days a...
by Cyclone
Thu Dec 08, 2016 12:59 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25574

Re: Learning an instrument as an adult?

I would encourage anyone at any age to learn an instrument. But a violin is a very tough choice for an adult. In order to play it properly you have to bend your arms and neck in ways you never thought possible, unless you are really just interested in "fiddling".
by Cyclone
Sun Oct 23, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: denied checking account for too many chex inquiries
Replies: 9
Views: 1492

Re: denied checking account for too many chex inquiries

I believe what worries them more than bonuses, is that you may be opening numerous accounts to engage in kiting.

(I see the previous poster clicked "enter" just a little quicker than I did).
by Cyclone
Mon Oct 10, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report? pulls from the majors
Replies: 10
Views: 879

Re: Free Credit Report? pulls from the majors

I recommend that everyone get the "Full File Disclosure" from Lexis / Nexis periodically. It will include the CLUE reports and everything else they have on you. I did it a couple of years ago and I was surprised - for the most part it was accurate, and they do know a lot of stuff about you. I did ge...
by Cyclone
Sat Aug 27, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3661

Re: Hawaii anniversary trip suggestions

I have a bias since my wife works for Four Seasons, but they just opened a new property on Oahu. It's far away from the "commercialization" that other people are warning about.
by Cyclone
Tue Aug 23, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4660

Re: Favorite Asian Vacation?

I'm partial to the Philippines, because I met my wife there (in Cebu). I think Travel and Leisure magazine recently named Palawan as the best island in the world to visit, or very highly ranked anyway. Boracay would also be a good choice. People will automatically speak English to foreigners, so com...
by Cyclone
Wed Aug 03, 2016 11:25 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 5456

Re: Stock Screeners

What would have been the returns if your screen did NOT turn up Apple?
by Cyclone
Tue Jul 19, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 33
Views: 4672

Re: Farmland REITs?

You can also invest in the stock of Alico (symbol ALCO). They own something like 121,000 acres of farmland in southwest Florida.