Search found 180 matches

by KT785
Tue May 22, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 14
Views: 923

Re: Babymoon - Hawaii Recommendations/Expected Costs

Wife and I will be having our first baby in November. We are looking to do our "babymoon" in Hawaii and are looking for suggestions and estimated costs for it. It will be my wife's first time going to Hawaii and all she really is wanting to do is relax/enjoy the beach and maybe do a spa item. I hav...
by KT785
Tue May 22, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 14
Views: 923

Re: Babymoon - Hawaii Recommendations/Expected Costs

Wife and I will be having our first baby in November. We are looking to do our "babymoon" in Hawaii and are looking for suggestions and estimated costs for it. It will be my wife's first time going to Hawaii and all she really is wanting to do is relax/enjoy the beach and maybe do a spa item. I hav...
by KT785
Fri May 18, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling term life insurance policies paid annually, will I get a refund
Replies: 9
Views: 745

Re: Cancelling term life insurance policies paid annually, will I get a refund

Anecdotal experience: I cancelled my previous AIG 30 year policy early in the term to replace with a cheaper Prudential option (best rate class) and was similarly curious about the refund since I got conflicting information online. I called AIG about cancelling once the Prudential policy was active ...
by KT785
Thu May 17, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1233

Re: any disadvantages to using Delta Skymiles for fare?

I'll echo what several other posters have said, $0.01 per mile value is low considering what you can often extract out of Delta SkyMiles with some effort. For point of reference, my wife and I just traveled round trip to Germany--flying from our small regional airport to Munich and back via Atlanta....
by KT785
Wed May 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Term life-is this reasonable price?
Replies: 10
Views: 871

Re: Term life-is this reasonable price?

OP, I have a non-life threatening medical condition that showed up a couple years ago shortly before I shopped for term life for the first time (I'm currently 30). Though I was in remission (under a year) at the time of underwriting, the best rate class I could get was Standard Plus from United of O...
by KT785
Tue May 15, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4307

Re: keyless ignitions and carbon monoxide

My understanding (when this issue surfaced a couple years ago) was that this was more of an issue specifically with hybrid vehicles, wherein the car is still running but there's no audible indication until the battery runs down and the ICE takes over . . . . Right, but there are other non-hybrid ve...
by KT785
Mon May 14, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4307

Re: keyless ignitions and carbon monoxide

cherijoh wrote:
Mon May 14, 2018 1:46 pm
. . . sometimes I'll sit in my car in a parking lot to hear the end of a story on NPR.
I'm similarly guilty of many NPR "driveway moments" :D
by KT785
Mon May 14, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4307

Re: keyless ignitions and carbon monoxide

My understanding (when this issue surfaced a couple years ago) was that this was more of an issue specifically with hybrid vehicles, wherein the car is still running but there's no audible indication until the battery runs down and the ICE takes over . . . . We have push-button start on both our Out...
by KT785
Fri May 11, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5342

Re: New Car Suggestions: BMW Crapping Out

As a member of the Subaru cult, I'm obligated to raise the idea of an Outback or Forrester . . . . or the new Ascent if you want three rows. Barring a Subaru :D . . . . I'd likely go with the Highlander or the CX-9 (though I question the reliability of the CX-9 engine) as I strongly considered both ...
by KT785
Thu May 10, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

I run regularly, usually 3-6 miles at a time, with my lab (who is now 2), and have trained her to heel on the left. One big advantage I can see is that we often run on the road, facing oncoming traffic, and by heeling on the left I can keep her further away from the cars, and also if the shoulder i...
by KT785
Thu May 10, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

If I have to carry a bottle, then I wear a cycling jersey and use the back pockets. I don't like belts. Agreed, I don't like belts . . . they're just better than hand-held bottles and they also hold my phone (can't stand arm-bands either). I've never tried a cycling jersey while running and may giv...
by KT785
Thu May 10, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

I don't believe show dogs "heel" unless they're in the obedience ring so it shouldn't matter. Its true when gaiting a dog, the handler is always on the dog's right side so as to not obstruct the judges view. Was in a show one time where we had an English judge who gaited the dogs clockwise around t...
by KT785
Thu May 10, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

Thanks for the input thus far--I'll continue training her to my right as that's more comfortable for me and (I believe) will be safer for her when we're out on the trails; given her already apparent high intelligence, am sure she can handle unique approaches from each of us. Still curious about equi...
by KT785
Thu May 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Dog as Running Companion - Advice, Equipment, Training, Etc.

Fellow BHs who have a four-legged running companion: My wife and I have a 4 month old Vizsla puppy (our beloved 11 y.o. Labrador passed away in March, so we're not new to dog ownership) that I plan on running with as she matures. The Vizsla's running abilities were one of the big reasons for the bre...
by KT785
Sun Apr 29, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 28
Views: 1678

Re: Credit Card for International Travel

Currently traveling in Europe and primarily use my Chase Sapphire Reserve card (Visa Infinite); I also carry an AMEX Platinum and as a backup, carry a Sam’s Club Mastercard. None of these have foreign transaction fees and I’m particularly fond of the rewards from Chase and the perks of AMEX (lounge ...
by KT785
Fri Apr 27, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall and Student Loan Pay-off/Pay-down Plan
Replies: 42
Views: 3813

Re: Windfall and Student Loan Pay-off/Pay-down Plan

Your total numbers are correct. But, there's no adjusting to a 3.17% or whatever. One would pay the 6.5% interest on the balance the whole time. The balance goes down over time obviously, but the interest rate stays the same. Each dollar that gets prepaid is a dollar that never has 6.5% interest ch...
by KT785
Tue Apr 24, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1710

Re: Charles Schwab international ATM (worth the hard credit pull)

Leaving for Europe in a few days and will be using our State Farm Bank checking account as they also reimburse all ATM fees (including international) if you have at least one "direct deposit" (my recollection is a simple ACH deposit qualifies as a DD, whatever the source); I don't recall a hard inqu...
by KT785
Mon Apr 23, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Free Channels on Apple TV without Cable Subscription
Replies: 18
Views: 1494

Re: Free Channels on Apple TV without Cable Subscription

bloom2708 wrote:
Mon Apr 23, 2018 10:49 am

Are you an Amazon Prime member? If so, the Fire TV box version might be a better value. You get a good amount of "Prime" content (TV and Movies) and it is integrated to the Fire Box at a cheaper price point.
Point of information--there's an Amazon Prime Video app for the Apple TV.
by KT785
Fri Apr 06, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2008

Re: 1st World Problem - Pet Insurance

As others have mentioned, why not self-insure? Put those funds in the bank, and if you happen to need them in the future, you can tap into it? My wife and I just got a new puppy a few weeks ago after our beloved 11 year old Lab passed away after a year of battling seizures, chronic infections, and ...
by KT785
Mon Apr 02, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3436

Re: Cleaning up new house before move in—getting rid of “cat smell”

Carpet cleaning (professionally) and painting would be the easiest and most cost effective route . . . however, depending on the "source" of the smell (i.e. cat had accidents on the carpet) removing it would be best, particularly if you're sensitive to smells. My wife and I are dog owners and certai...
by KT785
Thu Mar 29, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 17
Views: 1768

Re: What is a lemon? 2018 Outback Infotainment issues

As a fellow Subaru Outback owner (2017), I'd recommend you search the forums at SubaruOutback.org if you've not already done so. You may come across others with the same issue and see if they've been able to find a resolution. I'm quite happy with my 2017, but had been a bit envious of the updated h...
by KT785
Wed Mar 28, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5431

Re: New car on lot for 102 days. Concerns?

Thanks for the stamp of approval. Does this also apply to leasing? TIA. Leasing a personal auto is unfortunately outside my realm of experience. From a purely psychological (leverage and emotions) standpoint, I'd contend that email negotiations with numerous dealerships would likely be the most eff...
by KT785
Wed Mar 28, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5431

Re: New car on lot for 102 days. Concerns?

E-mail negotiation, eh? I prefer to make everyone miserable in person. When it comes to new car buying, you’re very likely not getting the best price if you try to negotiate in person given the myriad factors at play—regardless of your perceived skill or experience at negotiation. Negotiations via ...
by KT785
Tue Mar 27, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: New car on lot for 102 days. Concerns?
Replies: 35
Views: 5431

Re: New car on lot for 102 days. Concerns?

E-mail negotiation, eh? I prefer to make everyone miserable in person. When it comes to new car buying, you’re very likely not getting the best price if you try to negotiate in person given the myriad factors at play—regardless of your perceived skill or experience at negotiation. Negotiations via ...
by KT785
Wed Mar 14, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bachelors degree in background check
Replies: 5
Views: 1828

Re: Bachelors degree in background check

Background checks take time. If you're European and applying to a US based job it can take longer. They check more than your educational history. Let it run it's course, don't ask about it. This. Also, since it's a financial services firm the background check is likely more involved (goes farther b...
by KT785
Sat Mar 10, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4600

Re: Men's Cologne

Agree with the previous posters re: restricting use to outside the office. I'm 30 and had worn cologne through high school, college, and law school . . . always minimally (one or two spritzes at most). Nevertheless, when I started my first "big boy" job at a law firm, I noticed a few other guys who ...
by KT785
Sat Mar 10, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a chiropractic practice?
Replies: 2
Views: 531

Re: How to sell a chiropractic practice?

I'm an attorney in a corporate setting (non-law firm) so my experience is not first-hand . . . however, my immediate thought was for your FIL to find a young/recently graduated chiropractor with a drive to own/run their own practice. My dentist is in his mid-thirties and assumed ownership of a long-...
by KT785
Tue Mar 06, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5106

Re: Should I agree to have my driving monitored in exchange for lower rates?

they have you plug something into the OBD port. its not through your phone. Wrong. Several insurance companies now offer an app for this. Not all states or all drivers have the mobile option though. How would an app know if I'm driving my car, or if I'm a passenger in another car being driven by a ...
by KT785
Mon Mar 05, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5106

Re: Should I agree to have my driving monitored in exchange for lower rates?

We just got a mail solicitation from our insurer (State Farm) for this type of program. The discount was 5%. That is not nearly enough of an incentive for me to be monitored. If it was 20%, then i might consider it. My wife and I are enrolled in the Drive Safe and Save program through State Farm (a...
by KT785
Mon Mar 05, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5106

Re: Should I agree to have my driving monitored in exchange for lower rates?

We just got a mail solicitation from our insurer (State Farm) for this type of program. The discount was 5%. That is not nearly enough of an incentive for me to be monitored. If it was 20%, then i might consider it. My wife and I are enrolled in the Drive Safe and Save program through State Farm (a...
by KT785
Mon Feb 26, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan information source
Replies: 18
Views: 1254

Re: Student loan information source

I'd look at refinancing with PenFed. I paid off most of my law school loans and refinanced the small remaining balance to get a better rate and PenFed offered much better rates than SoFi and the other often touted lenders . . . I think many of them reserve the best rates for physicians as opposed to...
by KT785
Mon Feb 26, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 2517

Re: AC/Furnace Questions- 1 stage or 2 stage?

1) The only proper method to size the furnace/AC for your house is by doing a Manual J heat load calc. Contractors coming out to give you a bid SHOULD be measuring the window sizes of all windows, noting which side (N/S/E/W) of the house they're on, the level of energy efficiency of those windows &...
by KT785
Sun Feb 25, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me save my parents' retirement
Replies: 33
Views: 4144

Re: Please help me save my parents' retirement

OP, I'm familiar with your father's employer and the pension plan and can PM with specifics.
by KT785
Sun Feb 25, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5959

Re: 3 layers of roof. Pull my offer??

My initial reaction is that perhaps the third layer of shingles was put on in anticipation of marketing the house. In a similar vein, it could have been done several years ago on the cheap . . . either scenario makes me wonder what other things were handled cheaply that you (and the inspector) didn’...
by KT785
Thu Feb 22, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Buying shares in Demutualized bank
Replies: 19
Views: 1463

Re: Buying shares in Demutualized bank

Reminds me of a Planet Money episode that discussed this subject.
by KT785
Wed Feb 21, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Lawn care, especially bare, shaded spots
Replies: 14
Views: 801

Re: Lawn care, especially bare, shaded spots

Preface: I'm looking for solutions that are approximately an intersection of low-ish cost, low hassle (minimal time), and decent end result (attractive, full lawn) . . . I'm a fellow Midwesterner (central Illinois) and have been rehabbing my lawn (more ongoing maintenance the past few years) since ...
by KT785
Wed Feb 21, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Sams' Mastercard Cashback Check Arrive
Replies: 4
Views: 387

Re: Sams' Mastercard Cashback Check Arrive

We received ours yesterday; will be cashing it in this weekend and sending the funds to Vanguard :D I've recently opened a Chase Sapphire Reserve (CSR) for the ancillary travel benefits (lounge access, primary car rental insurance, etc.) so my dining and travel spend will be moved away from the Sam'...
by KT785
Tue Feb 20, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Automotive UI/UIM capped! Alternatives?
Replies: 3
Views: 445

Re: Automotive UI/UIM capped! Alternatives?

So apparently in my state, total uninsured/underinsured motorist coverage cannot exceed individual bodily injury. Which means I have to pay for adequate coverage in case I hit a single pedestrian, but if a drunk driver hits my car full of my family members we're all screwed. :oops: You can buy umbr...
by KT785
Mon Feb 19, 2018 1:23 am
Forum: Personal Consumer Issues
Topic: Cooling an Upstairs Bedroom
Replies: 9
Views: 1138

Re: Cooling an Upstairs Bedroom

My initial thought was the portable A/Cs mentioned by the previous posters. However, depending on your setup and the rules re: such, perhaps a ductless AC system would be possible? It's more "invasive" than a portable A/C (or even a window unit) but would likely be much more effective at cooling, qu...
by KT785
Mon Feb 19, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payment Schedule
Replies: 4
Views: 415

Re: Student Loan Payment Schedule

It can make a small difference if your payments are credited properly. E.g., using Excel's NPER function, it takes 8.51 years to repay a $100K loan by paying $1K/mo,. and 8.42 years if paying $500 every half month. For clarity, I believe OP is contemplating paying ~$256.50 every two weeks based on ...
by KT785
Mon Feb 19, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6498

Re: Sams Club vs Costco

Sam's Club has gone to a lot of effort to copy Costco. You do realize that Sam's Club was founded on April 7, 1983 before Costco on September 15, 1983. Costco then merged with Price Club (July 12, 1976) on October 22, 1993. So you could say that Sam's Club copied Price Club and Costco copied Price ...
by KT785
Fri Feb 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7226

Re: PSA: Bank of America now charges $12/month for checking

Sure, but if there's a problem, can you walk to their branches? I think not. What problem would arise that couldn't be resolved via phone/email? I may be on the younger side of the members of this forum (I'm 30) but I moved to virtual banks several years ago, after having a checking account with Ch...
by KT785
Thu Feb 15, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 7226

Re: PSA: Bank of America now charges $12/month for checking

My kids have never seen the inside of a bank. I intend to keep it that way. If we need cookies, coffee, or lollipops....I’ll go buy them. I know folks have different banking needs but I can’t see banks being around in the same fashion as they are now in say 20 years. Agreed. My wife and I moved nea...
by KT785
Wed Feb 14, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10900

Re: Honda vs. Toyota: Which has more bang for the buck?

Depending on your usage, I'd also take a look at Subaru--particularly the Forester since you're coming from a Honda Element.
by KT785
Tue Feb 06, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5452

Re: Want a Safe Car, Feel Guilty

2016 Subaru Legacy 3.6R. Easily found with eyesight, automatic braking, etc. It has the 3.6L H6 (Subaru has never made a V6) in one of the safest non-Mercedes cars out there. This is a favorite of dealers as they get them off lease and price them well. Often CPO cars with a warranty better than a n...
by KT785
Sun Feb 04, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 2321

Re: Cigar buying help

Also, be sure to get a nice cigar cutter and some decent wooden matches. Nothing worse than having a nice cigar and no way to get a smooth end cut to enjoy it. Haven't smoked cigars in several years but butane (torch type) lighters may be preferable to wooden matches depending on circumstance . . ....
by KT785
Sun Feb 04, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services right entry point?
Replies: 4
Views: 702

Re: Vanguard Personal Advisor Services right entry point?

Hi looking to make 2018 the year I really get my finances in order. Make a good income (525K) but admittedly been a high spender and need to save and invest more. 43. Have 303K in 403b at work. Contribute 18K a year to this and with company match equals 23K yearly. Pension when retire (20 years to ...
by KT785
Wed Jan 31, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking Account (Hard Credit Check)
Replies: 7
Views: 1477

Re: Charles Schwab Checking Account (Hard Credit Check)

If you're opening only a checking account I don't see why a hard credit check would be necessary. If anything, I would expect a financial institution to run a inquiry on your Chexsystem report to ensure you don't have a history of writing bad checks or continually overdrawing your bank accounts. So...
by KT785
Wed Jan 31, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2313

Re: Wireless Earbuds For Running (Updates for 2018?)

I've been using a pair of Jaybird X3s for over a year for running (around 50+ miles a week) and mowing the yard and am very pleased with sound quality, battery life, build quality, and comfort for extended use.
by KT785
Tue Jan 30, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Very High Travel Accident Insurance
Replies: 13
Views: 1021

Re: Looking for Very High Travel Accident Insurance

@ResearchMed - Thank you for your message. I already have term life. I don't want a medical exam. @NYC_Guy - Thank you for your message. Yes, I know, but the amounts I saw were in the $500,000 range. I want something significantly higher. Perhaps $4 million or thereabouts. I did some more research ...