Search found 487 matches

by batpot
Mon Dec 05, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 27
Views: 1432

Re: Shoes for flat-footed over-pronators

Try Altras.
I bought them after uncomfortably stepping on too many pointy rocks in "barefoot" shoes.

I slightly pronate, but need a big toe box.
by batpot
Mon Dec 05, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 34
Views: 1741

Re: Best printers for home use

I got a color laser by samsung for about $100.
can't complain.
pro tip: save the driver folder on a local server/thumb drive/portal drive for quick & easy installation on new devices.
by batpot
Mon Dec 05, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 29
Views: 2560

Re: Sous Vide?

Does she have a crock pot? She could make it into a sous vide machine by getting a sensor/regulator for about $30 from Amazon. https://www.amazon.com/Inkbird-Itc-308-Temperature-Controller-Thermostat/dp/B01MDSWXY4/ref=sr_1_2?ie=UTF8&qid=1480902299&sr=8-2&keywords=dorkfood I made one tha...
by batpot
Wed Nov 30, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Direct TV Now - free Apple tv offer (cut the cord)
Replies: 8
Views: 933

Direct TV Now - free Apple tv offer (cut the cord)

https://directvnow.com/appletv These Apple TVs retail for $150, and here it's $105 with 3 months of service. Great review here: http://stopthecap.com/2016/11/30/stop-cap-reviews-att-directv-now-cord-cutting-revolution-continues/ And cnet comparison of this vs vue vs sling: https://www.cnet.com/news/...
by batpot
Wed Nov 16, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 69
Views: 6612

Re: Vanguard Store Items

abuss368 wrote:Bogleheads - Any ideas?


only one:
viewtopic.php?t=191749
by batpot
Mon Nov 14, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1704

Re: Should I change the job?

In which areas did you fall short of expectations for the top rating? Did you ask "What does one have to accomplish in my position to get a top rating (or grade if that's what they call it where you are"? If you strive to be a top performer in your organization you need to make it an ongo...
by batpot
Mon Nov 14, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: what do these insurance ratings mean?
Replies: 5
Views: 985

Re: what do these insurance ratings mean?

Resurrecting this old thread, because it seems most pertinent. Banner has the best quote for me, and they look good except for 2 concerns: No Moody's Weiss puts them at C+ This is how the summary looks: A.M. Best Company (Best's Rating, 15 ratings)________A+ (2) Standard & Poor's (Financial Stre...
by batpot
Fri Nov 11, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 1865

Re: Does a car downgrade make sense for me?

Now I go to the local UHaul, $20 a day plus $.55 a mile and I plan a full day of hauling, winds up costing about $50 plus fuel for the day and two or three days a year suffice. I replaced the truck with a VW Sportwagen and between the fold down seats and a car top rack I can haul 2 x4 s and the lik...
by batpot
Thu Nov 10, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: TV providers
Replies: 6
Views: 654

Re: TV providers

Another vote for playstation vue, I cut the cord about 18 months ago and just pay for internet with a $5/month modem rental charge + internet fees (Think I'm at $110/month total for 300 MBS service). Also use the Amazon Fire TV boxes as the DVR is in the cloud. I pay that for comcast with HBO, and ...
by batpot
Tue Nov 08, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1219

Re: Remodeling vs Moving

For the work you describe, plan on including the cost of living in an apartment during the construction.
by batpot
Mon Nov 07, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Got a very wide range of plumbing contractor bids. Is this normal?
Replies: 19
Views: 1673

Re: Got a very wide range of plumbing contractor bids. Is this normal?

Normal.
And not just plumbing jobs - every job.
I've generally always hired the lowest or next-to-lowest offer, and have always been pleased, but I like to speak w/ the contractors. Can tell a lot by how they talk about what needs to be done.

Never used thumbtack; sounds interesting.
by batpot
Thu Nov 03, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory Debit Card use, with fee added
Replies: 16
Views: 1658

Re: Mandatory Debit Card use, with fee added

Arco has always done this. When they were the most convenient pit stop, I paid cash. But it's been a very long time.
Just in the last year or so, SOME locations have started allowing credit cards for the first time (but I don't know what fees they charge).
by batpot
Thu Nov 03, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17285

Re: Chase Sapphire Reserve: Too good to be (completely) true

ayjayc wrote: As it stands, you can redeem the $300 travel credit twice. Once during the 1st calendar year you have the card and again on the 2nd calendar year. I wouldn't be surprised if Chase decides to close up this loophole in the future. Based on this, should I wait until Jan 1, 2017 to apply?...
by batpot
Wed Nov 02, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 28
Views: 2474

Re: Consumer Cellular - plan changes, eliminating overage charges

Are you being hit with some large other taxes because of where you live? Yes, it varies by region. Am really bumping this thread back up due to the unhappy fact that CC has also made another big change. They no longer mail out an itemized bill each month detailing all your calls (both incoming and ...
by batpot
Wed Nov 02, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Citi symplicity 0% apr or loan
Replies: 7
Views: 314

Re: Citi symplicity 0% apr or loan

B3GINN3R wrote:I will do that. I just wanted to confirm with you guys that this is not a stupid idea.


Just monitor spending - set a monthly budget, and don't go over it.
And be sure to pay it off in full before the rate hike kicks in.
Stay disciplined! :sharebeer
by batpot
Wed Nov 02, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Citi symplicity 0% apr or loan
Replies: 7
Views: 314

Re: Citi symplicity 0% apr or loan

no idea. do you have any credit cards now? Those will count against your total limit.
apply and find out; they're all zero fee cards, so you're not risking anything.
by batpot
Wed Nov 02, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Citi symplicity 0% apr or loan
Replies: 7
Views: 314

Re: Citi symplicity 0% apr or loan

do you have enough of a credit history to get $5-6K?
If so, it doesn't sound like a bad option at all.
There are other cards that offer 0% as well, but duration vary.
For example, the Chase Freedom Unlimited might be a better overall card, but you only get 15 months.
by batpot
Wed Nov 02, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: TV Enthusiasts
Replies: 9
Views: 1353

Re: TV Enthusiasts

Sounds like there's no urgent need, so I would spend some time on slickdeals.net and wait for a really good deal. For example, this model has been as low at $750 in the last 2 months, or $1k with a $300 gift card. And Black Friday is just around the corner, though the past few years have been pretty...
by batpot
Tue Nov 01, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Two plumbing questions/issues
Replies: 23
Views: 2475

Re: Two plumbing questions/issues

water heaters often fail catastrophically.
replace it yesterday.
and if you've got rust, that means steel/galvanized pipes, so you very likely have other looming issues inside the walls. copper oxidizes green.
by batpot
Mon Oct 31, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Which new phone is the Best Buy for the money
Replies: 35
Views: 3137

Re: Which new phone is the Best Buy for the money

If she's familiar with Apple, a switch to Android is not trivial. Test it out in person first.
Assuming she's Ok with going Android, you have a lot of research to do. Post a budget, and can help further from there.
by batpot
Mon Oct 31, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help comparing job opportunity pension vs 401k
Replies: 13
Views: 861

Re: Help comparing job opportunity pension vs 401k

"sick" time is a major benefit, working for slave drivers is not. Nothing worse than working for someone who is inhuman in a business where compassion matters.? I read it as 4 weeks vacation, plus 3 weeks (assuming M-F) sick leave vs 7 weeks PTO. Assuming that sick leave is typically use ...
by batpot
Mon Oct 31, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help comparing job opportunity pension vs 401k
Replies: 13
Views: 861

Re: Help comparing job opportunity pension vs 401k

What does this mean: 15% of total salary given in 401k That your take home is only ~$120k? Or they add ~$21k to the 401k on top of whatever you elect to add to the 401k? also not really clear what this means: Pension: employee contribution 10% (pension is 2.2% for every year worked) ~66% of salary a...
by batpot
Mon Oct 31, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Replacing run-flat tires on BMW
Replies: 34
Views: 2696

Re: Replacing run-flat tires on BMW

You will be amazed at the vast improvement in ride quality as well.
by batpot
Fri Oct 28, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 2690

Re: Nanny Tax?

I'm doing it myself, and used this as a great guide: http://pixeltheoryinc.com/nanny-tax-how-to.html It is WA specific, so you will have to adjust the state stuff to MN, but the Federal stuff is common. Unfortunately MN has state income tax, so I can't help you much with that, but I suspect you pay ...
by batpot
Tue Oct 25, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: PCP recommendations in Nassau County, NY? [Primary Care Physician]
Replies: 9
Views: 953

Re: PCP recommendations in Nassau County, NY?

Have you ever tried sugar...or PCP?
by batpot
Tue Oct 25, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Anyone choose a nanny over daycare?
Replies: 34
Views: 2735

Re: Anyone choose a nanny over daycare?

Even nannies get sick, have car trouble, personal life trouble, bad days, bad attitude. Whatever you can think a human can have, a nanny can too. I would say the frequency of this happening is quite a bit lower than the frequency of your child getting sick in a daycare setting, and not being allowe...
by batpot
Tue Oct 25, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Anyone choose a nanny over daycare?
Replies: 34
Views: 2735

Re: Anyone choose a nanny over daycare?

We did. Found her on a local facebook group. Look for a local "nanny network". The main reason we chose her over daycare was that she was available. We got on about a half dozen waiting lists 9-10 months before we needed care, and got one call back 2 months after we had already hired the n...
by batpot
Tue Oct 25, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17285

Re: Chase Sapphire Reserve: Too good to be (completely) true

Only a complete fool would book reward travel from the Chase Ultimate Rewards portal. You only get about 1.5cents per point of value and that is based off the marked up fares that you have noticed. Only a complete fool would make broad generalizations like this. The bottom line: you have to shop ar...
by batpot
Mon Oct 24, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: New couch? Please advise.
Replies: 28
Views: 2690

Re: New couch? Please advise.

Avoid down.
by batpot
Mon Oct 24, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3020

Re: Replacement Windshield Wiper Blades

SurferLife wrote:Oh, I also put rain-x in my windshield fluid reservoir. That stuff is magic.


What ratio do you use to keep the blades from sticking & slipping across the surface, making a horrible racket?
by batpot
Thu Oct 20, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 1436

Re: Choosing a mortgage lender

I would just look for the best rate/ terms. Disagree for purchase. You want a lender that will close on time. Someone who is local, has a cellphone, can fix paperwork the night before you're due to close, and is generally motivated to make sure it goes through. Find a local bank; not a credit union...
by batpot
Thu Oct 20, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a mortgage lender
Replies: 24
Views: 1436

Re: Choosing a mortgage lender

Purchase or Refi?
by batpot
Thu Oct 20, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

What's even better with that travel credit is you still get full value of the points.
so $300 hotel stay, nets you 900 points, PLUS the $300 credit gets applied instantly.

Best card.
by batpot
Thu Oct 20, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5349

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

It sounds as if these are not compressed at all, and so would take to "zipping" well. You can use a free utility like 7zip to compress an individual file into as many "parts" as you need. At the very least, do one at home to test what kind of compression ratio you get. the small...
by batpot
Thu Oct 20, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5349

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

It sounds as if these are not compressed at all, and so would take to "zipping" well. You can use a free utility like 7zip to compress an individual file into one or many pieces. At the very least, do one at home to test what kind of compression ratio you get. the small overhead in using t...
by batpot
Thu Oct 20, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2115

Re: Preferred "disk cloning" software?

Thanks; Macrium seems to be a winner. Will follow that HTG guide, thanks.
Yes these are SSDs, and no, I don't need any external devices.
by batpot
Thu Oct 20, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

I couldn't get approved for either because of 5/24, but it is annoying not being AU on the CSR, which will become our primary card for at least the next ~10 months. Just curious, why would CSR be a primary card? For travel/restaurants at 3%, sure. But it is just 1% for other purchases, worse than v...
by batpot
Thu Oct 20, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2115

Preferred "disk cloning" software?

Another random question for the brain trust... It's been years since I've needed to do something like this, and I am way out of the loop. Western Digital used to offer free software that was adequate, but it would only work if you had a WD drive. I'll be upgrading a couple PCs, one from 256 to 512, ...
by batpot
Thu Oct 20, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11670

Re: Chase Sapphire Reserve

And I think that if you make him an AU on your card that will count against him for Chase's 5/24 "rule." That is good to know; I am an authorized user on my wife's CSP, but not on her CSR because of the $75. I couldn't get approved for either because of 5/24, but it is annoying not being ...
by batpot
Wed Oct 19, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Wedding gift for my sister - amount?
Replies: 38
Views: 2909

Re: Wedding gift for my sister - amount?

How about $1,000 in an envelope with a print out of this thread? :twisted:
by batpot
Tue Oct 18, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a tuff shed from Home Depot?
Replies: 4
Views: 766

Re: Anyone ordered a tuff shed from Home Depot?

I cannot help but seems to me that cutting stuff out of the roof on-site is compromising the sealing somewhat on a prefab?? good point...as it turns out, I found a couple assembly videos, and it appears as if they assemble the roof from scratch on site - it's not a prefab roof. So I think we're goo...
by batpot
Tue Oct 18, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a tuff shed from Home Depot?
Replies: 4
Views: 766

Anyone ordered a tuff shed from Home Depot?

Ordered (w/ CSR card :) ) mid September, and won't be installed until December. Aside from taking a very long time to deliver, I'm concerned with the latest drawing we were sent to review which shows a vent and a skylight in the reversed positions one side of the roof. We got this response back from...
by batpot
Tue Oct 18, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Just Refinanced The House, Now Relocating To New Place
Replies: 5
Views: 594

Re: Just Refinanced The House, Now Relocating To New Place

It almost certainly has a 1 year owner occupancy clause. Theoretically they could call the loan due if they found out you're in violation, but I've never read of it happening, and wouldn't personally volunteer that information. And yes, you'll need a landlord policy; don't mess around with insurance...
by batpot
Mon Oct 17, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Concerns about Reduced Data Speed on MNVO
Replies: 20
Views: 1126

Re: Concerns about Reduced Data Speed on MNVO

Have you considered Consumer Cellular? 2GB is not very much MetroPCS doesn't even count Pandora against data limit on 40$+ plans I have 2 30$ plans which each get a 5$ discount so 50 total... I get throttled to 128kbit. I can't maintain Pandora. While not over my data limit, data speeds are fine for...
by batpot
Wed Oct 12, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1413

Re: Bank promotion- PNC Bank

I am going to get SO MANY 1099s this year. :greedy
by batpot
Wed Oct 05, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and Taxes
Replies: 10
Views: 1142

Re: Marriage and Taxes

For my wife and I, because I was itemizing a house, and she was taking the standard deduction, and both made about the same, we ended up owing MORE in taxes the year we got married, because we could no longer file differently. :annoyed
I'd recommend not doing anything.
by batpot
Tue Oct 04, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: maxed 401k - employer match
Replies: 24
Views: 2302

Re: maxed 401k - employer match

whattodonow wrote:I wonder why they do this. What is the benefit to them to continue providing 'free' money ?

because they're not contributing to a pension.
by batpot
Thu Sep 29, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3017

Re: How closely do you check your credit card statements?

Once a month, but generally not in great detail.
I pay more attention to restaurants, and have caught a couple adding from $0.50 to $1 to the tip :?
Each time I made a claim, I got a courtesy refund from the credit card.
by batpot
Thu Sep 29, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: data for T-mobile tablet
Replies: 7
Views: 534

Re: data for T-mobile tablet

I think the freedompop global sims work on tmobile in the usa. You get 200mb free a month plus up to another 500mb for linking to freedomfriends which is easy to do if you search slickdeals for freedomfriend lists. not as fast as native tmobile data but should be reasonable This, but watch your cre...

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