Search found 1161 matches

by SimonJester
Sat Jul 22, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Healthiest Beer for the Buck
Replies: 35
Views: 3159

Re: Healthiest Beer for the Buck

If you want a focused answer to your question with no other aspects, then it would be the one with the least alcohol and fewest calories. You want Corona Light, its pretty much water with slight beer flavoring... But for my money I'm looking for a high ABV, imported German, or some nice local craft...
by SimonJester
Thu Jul 20, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5064

Re: Would you let your teenager spend all his savings on a gaming computer?

My 17 year old almost 18 year old Senior is in the same boat, ADD with the inattentive side of it. I can say that he will get absorbed into things and not manage his other projects / activities very well. It has gotten steadily better as he has progressed in school.. let me caution you; the high sch...
by SimonJester
Thu Jul 20, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Office 2007 end of life
Replies: 27
Views: 1630

Re: Office 2007 end of life

I don't care about technical support. For the other two (bug fixes or security fixes), is it worth it to spend the $69.99/year for (1) user, or should I just chance it and stay with 2007? As I said, it runs flawlessly and does what I need it to do, I just don't want to expose my PC to the (unlikely...
by SimonJester
Wed Jul 19, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 67
Views: 2902

Re: Essential Bike (bicycle) Accessories

Since DW's bike isn't equipped with the cage mounting holes on the tube, we'll go with something basic that we can secure with hose clamps. Should be fairly straightforward and she's crafty so with a little black spray paint you won't even be able to see them. You might consider black zip ties, you...
by SimonJester
Tue Jul 18, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Physicals and Forms for Kids Activities
Replies: 12
Views: 708

Re: Physicals and Forms for Kids Activities

However, some sports and more "uppity" programs have their own form that requires a physical to be done when the form is filled out. This is nuts. You doctor decides how often a physical is necessary, not a camp. They should accept an older physical plus a note from the doctor that says &...
by SimonJester
Tue Jul 18, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Physicals and Forms for Kids Activities
Replies: 12
Views: 708

Re: Physicals and Forms for Kids Activities

On the surface this is done "for your child's safety" but I think it's a far overreach of what's necessary and a privacy concern. For example, this form asked details about ADHD, physcological treatmeants, prior surguries, even girls missing periods. I get that camps don't want disruptive...
by SimonJester
Mon Jul 17, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4863

Re: $1368 for new shocks/struts on '05 Corolla?

OP here.... I got a complete suspension evaluation this week at pep boys for $20 (the Toyota dealership quoted me $135 for an evaluation). The suspension is fully worn down, and the mechanic suggested an immediate replacement. The strut boots are also torn and need replacement. Pep Boys quoted me $...
by SimonJester
Mon Jul 17, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6415

Re: Personal loan to a family member

I'm sure other have mentioned this, but unless you are loaning them the entire amount to cover the post construction house price, you will never be in the first position for that mortgage. Some other bank will be first and you will second, or third or... Another issue, your loan would have to be rep...
by SimonJester
Mon Jul 17, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2272

Re: gaming the mortgage interest deduction

The mortgage interest deduction is not all its made out to be.

For every dollar you send me I will give you back 25 cents to pay your taxes. Sound like a good deal?
by SimonJester
Sun Jul 16, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2613

Re: Would you look for a general handyman for these home jobs?

I prefer to do most of my own repair and maintenance work on my house as it saves me money and I learn new skills. 1) depends on the height of the roof and accessibility 2) I would definitely do myself 3) I would do this myself , just be sure to locate studs to drill into for mounting, and caulk the...
by SimonJester
Fri Jul 14, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Broken Sprinkler System after Home Purchase
Replies: 28
Views: 1939

Re: Seeking Advice - Broken Sprinkler System after Home Purchase

This is not all the uncommon. I purchased my house during the month of April, same issue sprinkler system was shutdown and unable to test. Come May when we went to turn it on it was leaking... Use this as an opportunity to learn about fixing sprinkler systems because you will be fixing one many time...
by SimonJester
Wed Jul 12, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4863

Re: $1368 for new shocks/struts on '05 Corolla?

I replaced the front and back struts on my 2002 Corolla using the monroe quick strut. If I had to do it over I would choose the LYB, as I felt the monroe was a little too stiff afterwords. I was not all that difficult and I did not need an alignment afterwords (however you probably do need an alignm...
by SimonJester
Tue Jul 11, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity with multiple 401Ks?
Replies: 2
Views: 244

Fidelity with multiple 401Ks?

Does anyone have a Fidelity account with multiple companies 401K? Do both companies show up under your one account? My wife's location / facility was bought out by another company. Old company used Fidelity as does the new company. Since the employees were all bought out there is no waiting period o...
by SimonJester
Tue Jul 11, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12874

Re: Costco vs. other wholesale clubs

dbltrbl wrote:Besides all the other comments, we shop at Costco because they pay their employees lot more than other retailers. Around $14 per hour. Sam's pays 8.50-10, and no idea about BJ.



This, plus better quality of products...
by SimonJester
Tue Jul 11, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is Medicaid eligibility based only on income or are assets included too?
Replies: 21
Views: 1382

Re: Is Medicaid eligibility based only on income or are assets included too?

I wonder how this works with 401k assets. Lets say you have 5Mil in your 401K but only withdraw enough to qualify as having a low income, do you then qualify for medicaid? Again I know this is state based, but do you basically have to wipe out your future retirement income to qualify for medicaid? A...
by SimonJester
Mon Jul 10, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7137

Re: how to destroy hard disk with personal info

All of these physical destruction methods are inferior to a simple wipe, and then secure erase If you 0 out every bit on the drive, there is nothing to read Also, you could simply encrypt the drive, and then lose the encryption key Not according to certain government agencies that research this kin...
by SimonJester
Mon Jul 10, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7137

Re: how to destroy hard disk with personal info

All of these physical destruction methods are inferior to a simple wipe, and then secure erase If you 0 out every bit on the drive, there is nothing to read Also, you could simply encrypt the drive, and then lose the encryption key Not according to certain government agencies that research this kin...
by SimonJester
Mon Jul 10, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7137

Re: how to destroy hard disk with personal info

However- once you break the environmental seal you begin to make it difficult to extract data, even if you have lab equipment. The companies that do recovery disassemble in a clean room if I remember correctly. Even one scratch would multiply the effort involved to extract any remaining data. A rel...
by SimonJester
Sun Jul 09, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy
Replies: 13
Views: 1603

Re: Umbrella Policy

I would keep it... As you mention future earning are at risk. Also you said your children are not yet driving, you may find it more difficult to get a new policy once your children start driving vs keeping your current policy and renewing.
by SimonJester
Sun Jul 09, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Experience getting new credit card with frozen credit
Replies: 14
Views: 1006

Re: Experience getting new credit card with frozen credit

Just going through this now for my wife. Temporarily lifted the freeze on her account (for 3 days) an hour ago. Information online seems to indicate that the credit bureau can unfreeze the file in less than 15 minutes. Anyone with specific first hand experience with this and able to confirm that th...
by SimonJester
Sat Jul 08, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Which apartment should we rent?
Replies: 22
Views: 1970

Re: Which apartment should we rent?

Here is my advice, pick the one with the least number of stairs to move stuff into. And go with the one your wife wants the most...

So I'd vote option #1 for sure...
by SimonJester
Sat Jul 08, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 146
Views: 12766

Re: Are you finding any good values at Amazon anymore?

Another issue I am having with Amazon, items arriving in a pristine outer shipping box (ie not damaged in shipping in any way), however when you open the shipping box you discover the item inside is damaged. In the past two cases the actual product was not damaged but its packaging was. In the case ...
by SimonJester
Thu Jul 06, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Experience getting new credit card with frozen credit
Replies: 14
Views: 1006

Re: Experience getting new credit card with frozen credit

Interesting story. I have a story that is very different but you may find it interesting too. A couple of months ago I opened an account at T-mobile. The guy at the store told me that it would be a soft credit check. He was wrong because it was a hard credit check (as I discovered later). It used T...
by SimonJester
Tue Jul 04, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3622

Re: Expensive Car Repair, New Engine

Something doesnt add up, you should be seeing lower oil levels when changing oil if things are that bad. For excessive oil consumption you should be down 1+ quarts in 1000 miles. I suspect the first mechanic is taking you for a ride... I would ask the second mechanic to perform a compression test of...
by SimonJester
Sun Jul 02, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Verizon offering $650 per line to switch... or are they?
Replies: 3
Views: 948

Re: Verizon offering $650 per line to switch... or are they?

What they are saying is that if you have an installment plan with your current provider for your current phone, they will pay the balance of that plan minus the trade value of your phone. Or if you have no installment plan for your current phone you will be upto $350 for early termination fees.
by SimonJester
Tue Jun 27, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider when going from employee to independent contractor
Replies: 13
Views: 864

Re: Things to consider when going from employee to independent contractor

Don't do it. Full-time-employee jobs as a direct hire are the gold standard these days and hard to find and your wife may find she can't go home again. Contractors are often treated like [bad thing of your choice] and you can and often will be gone with a moment's notice. I strongly recommend again...
by SimonJester
Tue Jun 27, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: California Vehicle - lien holder issue?
Replies: 3
Views: 347

Re: California Vehicle - lien holder issue?

Do you have the title to the vehicle? If so does it list Toyota Financial as a lien holder? If so you need to get a new and clear title. This could cause you problems if you goto sell the vehicle. I know in my state until you get a new title without the lien holder on the title you essentially do no...
by SimonJester
Mon Jun 19, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Scratched Bumper with Police on the Scene
Replies: 26
Views: 2492

Re: Scratched Bumper with Police on the Scene

Forgive my ignorance but how would it be negative to mention it to your insurance? Everyone seems to say don't do that. I don't understand that either. My first call after the police would be to my insurance agent, whether or not my insurance company was going to end up paying anything. I think a l...
by SimonJester
Mon Jun 19, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1164

Re: Exterior Home Improvements - Order of Operations?

I would say driveway and landscaping last. New windows and the electrical outlet before painting, that way everything can be patched, sealed, caulked and painted.
by SimonJester
Sat Jun 17, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 5994

Re: Do You Take Your Credit Card Receipts?

I always take the receipt, enter into quicken and reconcile against cleared transactions. Then I shred it unless I think I will need it for a return. For many places if you dont take the receipt, its still generated and the cashier simply throws it into a trash can un-shredded. I have been overcharg...
by SimonJester
Thu Jun 15, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Hail storm, how should I proceed?
Replies: 7
Views: 785

Re: Hail storm, how should I proceed?

Here is how I have done it in the past two roofs that were damaged via hail. I call a trusted roofing company and get their opinion of the roof and if it needs to be replaced. They will usually provide a quote as well. If they say no need to replace the roof then you are set no more action. If they...
by SimonJester
Thu Jun 15, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 29
Views: 3958

Re: Am I too far into the rabbit hole? (email with Gmail)

The problem is how do you know what ever alternative you choose is not doing or going to do the same thing in the future? Data mining / selling is a major industry, do you also use a debit / credit card? Well guess who also know everything about you? Did you know retailers can predict when women are...
by SimonJester
Thu Jun 15, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Hail storm, how should I proceed?
Replies: 7
Views: 785

Re: Hail storm, how should I proceed?

Here is how I have done it in the past two roofs that were damaged via hail. I call a trusted roofing company and get their opinion of the roof and if it needs to be replaced. They will usually provide a quote as well. If they say no need to replace the roof then you are set no more action. If they ...
by SimonJester
Wed Jun 14, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5373

Re: I'm going to be rich!

I'm curious about the squiggles in the lines. Is Fidelity telling me there will be a significant run-up in asset prices in 2065, followed by 5-years of "flat" growth? Then again in 2075? Remarkably prescient this far out... Its probably something baked into their planning algorithm, unles...
by SimonJester
Wed Jun 14, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5373

Re: I'm going to be rich!

Wait, does the 98 mean there is a 2% failure rate with 56 million dollars? Man, I retired too soon! Their scale is 0 to 150 Your Fidelity Retirement Score (FRS), derived from the Planning & Guidance Center, represents the percentage of your average estimated retirement expenses your plan could ...
by SimonJester
Wed Jun 14, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Are there any advantages of re-plastering a garage?
Replies: 6
Views: 656

Re: Are there any advantages of re-plastering a garage?

You may want to have it tested for asbestos before you start scraping it off... Built in 1986? I doubt it. I would tend to scrape and paint. Its not likely by 1986 but not 100% impossible either. They have found asbestos in popcorn ceilings applied as late as 1990s. The only way to know for sure is...
by SimonJester
Wed Jun 14, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Are there any advantages of re-plastering a garage?
Replies: 6
Views: 656

Re: Are there any advantages of re-plastering a garage?

You may want to have it tested for asbestos before you start scraping it off...
by SimonJester
Wed Jun 14, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5373

Re: I'm going to be rich!

Wait, does the 98 mean there is a 2% failure rate with 56 million dollars? Man, I retired too soon! Their scale is 0 to 150 Your Fidelity Retirement Score (FRS), derived from the Planning & Guidance Center, represents the percentage of your average estimated retirement expenses your plan could ...
by SimonJester
Wed Jun 14, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: How much compensation to ask for, re loosing benefits?
Replies: 2
Views: 392

How much compensation to ask for, re loosing benefits?

Where my wife works, their part of the company was sold and employees will be rehired into the new company. They were all told they would all be rehired on at their current pay rate. She just found out that she will be losing most all her benefits in the new company as she is part time employee. She...
by SimonJester
Sat Jun 10, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2963

Re: Overpaid Big Time On Warranty

The dealer is scamming you yet again. Is there a number on the warranty paperwork you can call and see about canceling and getting your money back? There is no link for the warranty offer I was talking about,. it was specific to the Toyota Sienna and through one dealership in the country 13 years ag...
by SimonJester
Sat Jun 10, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Overpaid Big Time On Warranty
Replies: 55
Views: 2963

Re: Overpaid Big Time On Warranty

Ouch, you can buy that same Toyota warranty from a toyota dealer online for about 1/10 the price. When I purchased my 2004 Sienna minivan the dealer offered me the same warrant as yours for about 4K. I declined because I knew I could purchase it from an internet sales department of another dealer fo...
by SimonJester
Fri Jun 09, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Debit charge I didn't make ...
Replies: 20
Views: 2076

Re: Debit charge I didn't make ...

To be fair, I didn't get any kind of card, as I don't need to withdraw cash (I am doing the account purely for the bonus and am happy ACHing in and out). I guess that could be difficult in case you used it as your primary checking account, which I do not. They might be mailing you the debit card, t...
by SimonJester
Fri Jun 09, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Used Exercise Equipment
Replies: 22
Views: 1534

Re: Used Exercise Equipment

For a treadmill I'd say depreciation is close to 100% the day you buy it. We have had problems even giving them away to the likes of Goodwill / Arc etc...
by SimonJester
Thu Jun 08, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 2900

Re: Home siding thoughts

I know totally not what you asked about but you might consider a traditional three coat stucco application. Stucco when done correctly will last the lifetime of the house.
by SimonJester
Wed Jun 07, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 30
Views: 3735

Re: Have GEICO auto, asked for quote online, $150 less

My quote was actually disturbing in one sense. I entered name and location, clicked "Next," and our two cars descriptions popped up. They knew this without it being entered. Tim Yes you will find this with almost every insurance company web site / quoting system. This is probably coming f...
by SimonJester
Wed Jun 07, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Real wood and carpet in a hot house
Replies: 13
Views: 1127

Re: Real wood and carpet in a hot house

bogleviewer wrote:Is there much difference between 85 and 95?

About 10 degrees :twisted:
by SimonJester
Wed Jun 07, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 2178

Re: Cricket Wireless Groups

I'm not sure if this would apply to the cricket group but what if one of the users did international roaming or something else that charged a huge bill to the account. Another risk I would worry about is one of the users in the group doing something illegal with their phone service...
by SimonJester
Wed Jun 07, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7255

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Skip the gift, do the house work for the first month, put the money for the gift into a college fund for #5 instead.
by SimonJester
Tue Jun 06, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1628

Re: Traveling for 3 weeks

Give your neighbor(s) your cell number in case something happens and they need to get ahold of you. My neighbor's house had a fire in the back yard which the fire department put out before it spread to the main house but they were out of town and no one had their cell numbers... Place several ice cu...
by SimonJester
Tue Jun 06, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 18847

Re: Best credit card for cash back

Amazon Prime Visa, No FTF, 5% on all amazon purchases, 2% on gas, restaurants and drug stores, then 1% on all others.
An Amazon prime membership is required but if you already have the membership this is a good card...

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