Search found 1429 matches

by adamthesmythe
Fri Jul 21, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2487

Re: Lexus to Camry, invest difference

You won't get book value, maybe nowhere near it. You will walk out of the dealership owing the same amount of money (roughly) and then you will be driving a Camry.

(I don't think there will be any "difference" to invest.)
by adamthesmythe
Fri Jul 21, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 28
Views: 1264

Re: car rental at OGG, any opinions?

It's like flying, everybody has a bad experience sometime. Having said that, some are better than others. When I was regularly renting cars, I liked Enterprise because by being a member of their program I could bypass the counter. Makes a big difference because the job of the counter people is to up...
by adamthesmythe
Thu Jul 20, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about buying a house in South Bay Area...
Replies: 33
Views: 2383

Re: Thinking about buying a house in South Bay Area...

If it's the right time for you to buy a house, buy a house. And live in it.

Buying a house that you are not going to live in to reduce tax (even if this works!) and rent to a relative...that's plain baroque.
by adamthesmythe
Thu Jul 20, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 1710

Re: SAT scores - whats the point??

> is this a real question?

I suppose the question about whether some PARTICULAR assessment tool makes sense is a valid one. The rest of the question is just plain bizarre.
by adamthesmythe
Thu Jul 20, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 29
Views: 1371

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada. Adam, why would you feel comfortable in Canada? Same reason as Europe. ...
by adamthesmythe
Thu Jul 20, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 29
Views: 1371

Re: Medical Coverage Outside US

SOME Medicare supplement plans provide partial coverage outside the US. Personally I feel very comfortable not buying additional insurance when I am traveling to western Europe. I would feel even less concerned going to Canada.
by adamthesmythe
Thu Jul 20, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Opinions on "Understanding Medicare" Seminar?
Replies: 2
Views: 345

Re: Opinions on "Understanding Medicare" Seminar?

Never heard of it. If it's totally about Medicare then the only thing they have to sell you is a Medigap plan.

Maybe it's a way to get people in the door for a hard sell on variable annuities or long-term care insurance.
by adamthesmythe
Wed Jul 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: HOA wants to use American Arbitration Association?
Replies: 12
Views: 828

Re: HOA wants to use American Arbitration Association?

> to settle disputes between association members. So presumably NOT required for disputes between one member and the HOA. > I'm definitely in no rush to just jump in and sign up. It's a small HOA and unanimous agreement is required to modify the docs... Unanimous consent in an HOA is extremely diffi...
by adamthesmythe
Tue Jul 18, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 1527

Re: A week in Iceland

> Bring money. Lots of it. Well, mostly in the form of credit cards. Especially out of the cities some cash might come in handy. > There are other places where you can have the far north experience for less$- but not all of the volcanic/ geological experience. I recommend the Shetland Islands above ...
by adamthesmythe
Tue Jul 18, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 1527

Re: A week in Iceland

> Consider crossing the island to the northern coast, to the town of Aykerari (not the correct spelling) Umm, not in a rental car you don't. 4WD or the special 4WD bus. Takes forever and involves multiple stream crossings. Having a rental car will get you to places that the buses don't go and you ca...
by adamthesmythe
Tue Jul 18, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1288

Re: Car braking on downward slopes

> What is the definition of riding the brakes? Riding the brakes means keeping them lightly activated. If you see someone going down a hill with the brake lights continually on- they are riding the brakes. (Sometimes you even see this on a flat road. Usually this will be a Cadillac). This is how you...
by adamthesmythe
Tue Jul 18, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1288

Re: Car braking on downward slopes

Ignore the fact brake pads are cheaper to replace than an engine. If your brake pads fail due to over heating from excessive usage going downhill, then it doesn't matter how long your engine lasts as you now have a runaway car without brakes. Use engine braking when applicable. Yeah, this is my thi...
by adamthesmythe
Tue Jul 18, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Dilemma about car dealership service bill error
Replies: 29
Views: 2263

Re: Dilemma about car dealership service bill error

Well you know there were parts and you can see they didn't charge.

Are you ever planning on going to that dealership again??
by adamthesmythe
Tue Jul 18, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Software : Making b/w photograph color in certain areas
Replies: 3
Views: 190

Re: Software : Making b/w photograph color in certain areas

There are piles of free/ cheap photo editing tools out there. Often there is a free trial period. You can download them one by one and try them out to see if they do what you want. Gimp is the big grandadddy of free image processing programs. It used to be extremely clunky. They say it's better now....
by adamthesmythe
Mon Jul 17, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 59
Views: 5223

Re: Is it still worth buying a house in a state with insane property taxes

> One thing to keep in mind is that you not only have to pay the property taxes now but also into retirement. I paid taxes that were not quite as high- but close- in another NE city. That got me into an in-city neighborhood so I could walk to work and only own one car. It was well worth it to lose t...
by adamthesmythe
Mon Jul 17, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 59
Views: 5223

Re: Is it still worth buying a house in a state with insane property taxes

If you rent you are paying the taxes plus a reasonable profit for the landlord. If you share the cost...you share the apartment and you are getting a smaller space to yourself and less privacy. If you get a break on rent by taking care of owners...you have another part-time job. No free lunch. To li...
by adamthesmythe
Mon Jul 17, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Question re. Title Insurance Policy as Seller
Replies: 4
Views: 264

Re: Question re. Title Insurance Policy as Seller

Hello, We are selling a property that was purchased in 2003. It has been a rental property since 2013. I am trying to get an estimated settlement statement from the title company. I provided the Owner's Title Insurance Policy from the purchase in 2003, which includes a cover letter that says "...
by adamthesmythe
Sat Jul 15, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4372

Re: Buying beach bungalow in San Diego for Winters

I have been to a place on the beach in San Diego. It's really great. BUT expensive. In your price range- are you after a place with a roof and a bathroom??
by adamthesmythe
Sat Jul 15, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Time replace washer and dryer [back of dryer so hot it burnt me]?
Replies: 21
Views: 1424

Re: When to replace washer and dryer?

If it were me I would look inside to see what is going on. I wouldn't be surprised if the back was hot but I don't know what is normal. Discolored paint doesn't look normal. As to when to replace- I would replace after it breaks and I can't easily fix it. Appliance parts and repair ideas are very ea...
by adamthesmythe
Sat Jul 15, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 1980

Re: Time to dump State Farm agent?

I get mailings, often once a week, from State Farm. So their advertising overhead is high. Maybe this explains the higher prices.
by adamthesmythe
Sat Jul 15, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3087

Re: Urgent 1st world problem [coffeemaker]

I bought one higher-priced coffeemaker and found it unsatisfactory. I now use the cheap Chinese coffeemakers (Mr. Coffee). Sometimes I go all out and use my manual french press.
by adamthesmythe
Thu Jul 13, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7111

Re: how to destroy hard disk with personal info

tibbitts wrote:I find it uncomfortable to physically destroy something like a hard drive, but apparently nobody else feels that way.


That's because it's a joyful act.

And one more idea- will it blend?

https://www.youtube.com/watch?v=XHu_EJVZm58
by adamthesmythe
Thu Jul 13, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 944

Re: DirectTV Install

I just got done removing an unused dish. Our HOA was requiring that dishes be painted, and removal was the easier option. Rusted bolts make it tricky. WHERE it needs to go depends on where the satellite is, not where you want to put it. If it ends up being in front of the house it will be a minor ne...
by adamthesmythe
Wed Jul 12, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2120

Re: Outside Pittsburgh short trip ideas

The two world-class sights nearby are Fallingwater and the Andy Warhol museum. You don't say whether you have done the Warhol museum. Kentuck Knob is for FLW fans only. It's late FLW without the international rep of Fallingwater. Ohiopyle has scenery, nice walks, and you can get an OK lunch. Old Eco...
by adamthesmythe
Wed Jul 12, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Broken Sprinkler System after Home Purchase
Replies: 28
Views: 1935

Re: Seeking Advice - Broken Sprinkler System after Home Purchase

In states I am familiar with, any information in a house listing is subject to verification by the purchaser (as in, there is no warranty that the information is correct).

Pay the bill. There will be more, even for things that worked fine at purchase. Welcome to home ownership.
by adamthesmythe
Tue Jul 11, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2570

Re: Moving a car cross country

Howdy An 18 hour drive ? Here in Texas you are barely getting out of the driveway. W B Yeah, I had a car like that once too. Seriously- as I got older and more aware of the risks of fatigue when driving- (and maybe after one or two experiences of drifting off)- I have decided that it is not worth i...
by adamthesmythe
Tue Jul 11, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2570

Re: Moving a car cross country

Any other cross country drive tips? (NY-PHX) The fact that there might not always be phone coverage is a surprise. I got AAA, will get the car inspected, and plan to buy a small gas container. Good thing you are not OP because that is not an 18-hour trip. I have done PA-AZ several times. You will s...
by adamthesmythe
Mon Jul 10, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage contingency vs Appraisal contingency
Replies: 9
Views: 786

Re: Mortgage contingency vs Appraisal contingency

Maybe it depends on how the mortgage contingency is written? The ones I have seen say "buyer to get mortgage for $X with rate of %Y for Z years." If written that way seems to me you are covered if it doesn't appraise because then the bank won't fund the mortgage. BUT things are state-depen...
by adamthesmythe
Mon Jul 10, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2570

Re: Moving a car cross country

Driving both cars will cost you one extra day, a couple hundred in hotel rooms, and gas. Seems like a no-brainer to me. At 6 hours a day you get to do some sightseeing along the way.

> communicating with our walkie talkies on the road

Thought I'd never say this. No cell phones??
by adamthesmythe
Mon Jul 10, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7111

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 adamthesmythe
Mon Jul 10, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Condo association - Does the budget seem sound?
Replies: 14
Views: 1074

Re: Condo association - Does the budget seem sound?

You need to look at a reserve study to be sure. And it depends on the present condition of major items (roof, furnace, etc.).

Having significant reserves is a generally positive sign. A professional management company would be typical for that size of association.
by adamthesmythe
Mon Jul 10, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Need to get dental implant done..
Replies: 23
Views: 1555

Re: Need to get dental implant done..

I highly recommend going to a dental school if you want to save money. Another benefit of dental schools is that they don't have an incentive to tell you that you need all sorts of unnecessary work. Dental schools might have both faculty practices and student training. Personally I do not want my d...
by adamthesmythe
Sun Jul 09, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7111

Re: how to destroy hard disk with personal info

I'm not endorsing this product but this is what the pros use

http://www.datadev.com/datagaussxl.html ... fgod0mUCMA

Budget about $3k for your peace of mind.
by adamthesmythe
Sun Jul 09, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7111

Re: how to destroy hard disk with personal info

The hard disks that I have disassembled (can't stop the curious) had glass platters. So you're not going to drill through those, you either break them or the drill stops. However- once you break the environmental seal you begin to make it difficult to extract data, even if you have lab equipment. Th...
by adamthesmythe
Sun Jul 09, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy recreational land or used car?
Replies: 7
Views: 668

Re: Buy recreational land or used car?

> Oh I also need to replace one or more of the wheel bearings as they are making excess noise.

Nothing in your life is more important than getting this fixed. Or the car replaced.

(Well, I'm assuming you have no need to go to the emergency room.)
by adamthesmythe
Sun Jul 09, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: price manipulation & Bitcoin
Replies: 3
Views: 625

Re: price manipulation & Bitcoin

> recent trends indicate that Bitcoin is becoming an important asset in the financial system

Really?

I don't agree, which is why I don't much care about what happens to Bitcoins.
by adamthesmythe
Sun Jul 09, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2219

Re: September short trip ideas

Europe is quite possible if you can get a relatively efficient flight. Norway would be delightful at that time, you will have generally good weather and less crowded. Croatia might be hard to get to efficiently. Every flight change increases the chances of delays. You say southeast. If you would be ...
by adamthesmythe
Sun Jul 09, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 38
Views: 3942

Re: Do not buy new cellphones on ebay

Just because a phone is manufactured in Asia does not mean it is for Asia or USA or Japan. You can never tell So I called HTC customer support and gave them IMEI and serial no, they can not even find the numbers on their system So went to Tmobile store and the guy over there turns on the phone and ...
by adamthesmythe
Sat Jul 08, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2712

Re: Excel 2010 and Windows 7 -- Where to go from here?

Depends a great deal on how much you have invested in your workbooks. Maybe try out whether they can be imported into another version of Excel. Look at it this way- you have AT LEAST two years before you have to take action. Chances of extended support beyond that time are nonzero, even IF you need ...
by adamthesmythe
Fri Jul 07, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1186

Re: Passing through Las Vegas for 1.5 days..hiking

I saw 77/59 but didn't see "end of the month." Yes, it will be hot, maybe very hot, in Vegas. The north rim is above 8000 ft so it will be quite cool. Zion will be in between and Bryce (higher than Zio) will be cooler than Zion. Hiking at the lower elevations at 100+ degrees is tough for a...
by adamthesmythe
Fri Jul 07, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: How much can you earn wtih Postmates [food delivery service]?
Replies: 9
Views: 829

Re: How much can you earn wtih Postmates [food delivery service]?

I think he would find the experience highly educational.

Reminds me of a former colleague who described spending a summer working in a factory. He said that it gave him a high degree of motivation to pursue an advanced degree.
by adamthesmythe
Thu Jul 06, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1186

Re: Passing through Las Vegas for 1.5 days..hiking

I am not aware of any mass transit (not saying there isn't any, though). If you want to visit the strip you might as well stay on the strip (if it's reasonable). Vegas hotel prices vary radically from day to day and you may luck out and see low prices. On the other hand, if there is a holiday or big...
by adamthesmythe
Wed Jul 05, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Electronics question [broken monitor]
Replies: 27
Views: 1620

Re: Electronics question

I have working monitors that are in the garage because a newer one was better, cheaper, flatter, and had higher resolution.

There are things that I would fix but an old monitor is not one of them.
by adamthesmythe
Wed Jul 05, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3427

Re: Delta Air - various classes of service

750 sounds pretty high for a transcontinental flight. Is that non-restricted? I don't know that route so I can't compare with my experience. Personally I would not spend real $ for an upgrade on a relatively short flight. Your leglength may vary. I have had at least one bad experience on every carri...
by adamthesmythe
Tue Jul 04, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Senior residential cooperatives -- opinions?
Replies: 5
Views: 816

Re: Senior residential cooperatives -- opinions?

Recently have become aware of senior residential cooperatives, which seem to be popping up a lot. The ones I'm familiar with are new apartment-style buildings. As a cooperative, residents own and manage the building. They are generally restricted to age 55+, 62+, etc. Rather than paying rent, resid...
by adamthesmythe
Mon Jul 03, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 24
Views: 2023

Re: Best tool/technique for grill cleaning?

Turns out I just bought a metal brush thingie to clean the grill.

After having read about this (OP: it would have been useful to include a link) I have decided to continue to use the metal brush but to finish up with the sponge to brush off anything remaining.
by adamthesmythe
Thu Jun 29, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City
Replies: 47
Views: 2646

Re: Where to View Total Eclipse? - Kansas City

You might visit Powell Gardens, the KC botanic garden on Hiway 50 east of KC. You'd avoid the I-70 traffic and it would be a pleasant place to see the eclipse unless everyone else has the same idea. The problem is- any NICE place to view will have been thought of by many many other people. So I fig...
by adamthesmythe
Thu Jun 29, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City
Replies: 47
Views: 2646

Re: Where to View Total Eclipse? - Kansas City

I have a reservation in Ft. Collins CO and am expecting to drive up the interstate in the direction of Casper WY. I would appreciate thoughts about how realistic this is. The room is cancellable. Rooms in Casper are either unavailable or at truly astonishing prices. Very reasonable plan. You could ...
by adamthesmythe
Thu Jun 29, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City
Replies: 47
Views: 2646

Re: Where to View Total Eclipse? - Kansas City

I have a reservation in Ft. Collins CO and am expecting to drive up the interstate in the direction of Casper WY.

I would appreciate thoughts about how realistic this is. The room is cancellable.

Rooms in Casper are either unavailable or at truly astonishing prices.
by adamthesmythe
Wed Jun 28, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage pre-authorization
Replies: 7
Views: 726

Re: Mortgage pre-authorization

Well there is preauthorization (usually prequalification) and there is preapproval. I think it is way too soon to ask. Ask shortly before you want to start seriously looking at houses. A pre-qual will tell you how much you can spend (although people who hang around here usually spend less than the m...

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