Search found 741 matches

by davebo
Thu Sep 21, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9148

Re: Account security - Hackers gain access to mobile and then break havoc

Is your email address pretty much central to all of these hacks? If they can't access that, then are they out of luck? If so, changing the 2FA on Gmail to backup codes or authenticator would solve the problem? That would only address email vulnerability on a phone if the phone email client app did ...
by davebo
Wed Sep 20, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2783

Re: Should I even bother with buying a school picture?

I think you're overthinking this. This isn't a photo shoot, it's lining a bunch of kids up and snapping a quick picture against a 80's style background.. You'll look back and laugh at the fake smiles and messy hair. I kinda doubt that they wouldn't take the kids picture though, they always include i...
by davebo
Mon Sep 18, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9148

Re: Account security - Hackers gain access to mobile and then break havoc

So I went through and moved everything possible over to Google Authenticator (Gmail, Lastpass, Evernote, Amazon) and started researching this SMS problem. I went in and updated PIN, password, security settings on my verizion account. I also read this article, which seems to be way over my head. Does...
by davebo
Sun Sep 17, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9148

Re: Account security - Hackers gain access to mobile and then break havoc

Is your email address pretty much central to all of these hacks? If they can't access that, then are they out of luck? If so, changing the 2FA on Gmail to backup codes or authenticator would solve the problem?
by davebo
Wed Sep 13, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 636
Views: 38376

Re: Equifax customer information leak

A couple questions: 1) Has anyone else had issues freezing Experian's credit online? It wouldn't work for me or my wife and asked me to mail in a bunch of stuff (bills, copy of DL, SSN, a check for $10) to the address provided. There is an option to upload the information, but then I'm not sure how ...
by davebo
Tue Sep 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 518

Re: How to handle medical collections on credit?

It seems that if the collections agency reported the balance, they would need to take it off. When I spoke with the agency, they said they don't typically do that. She said I should deal with the hospital and see what they say about it, since this was their fault. I get the impression that they will...
by davebo
Tue Sep 12, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2026

Re: Experian - credit freeze and credit card hacked

Freezing your credit only makes it impossible for a lender to pull your credit, which would mean they wouldn't grant credit to someone unless they could unfreeze it.

It won't stop fraudulent activity on existing cards
by davebo
Tue Sep 12, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 518

How to handle medical collections on credit?

I recently pulled my wife's credit and noticed 2 medical collections for around $150 and $110. They were both from the same date of service, one was from the hospital and the other from the doctor. I know we had never seen this or gotten any phone calls, so I called the hospital. It turned out that ...
by davebo
Sun Sep 10, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9684

Re: Consider freezing your credit

Experian is the only one that is giving me problems, the other 4 were very easy to submit the freeze online. Experian wants me to mail them a copy of a letter.

Has anyone considered freezing the credit of any of their children? Is it necessary or just overkill?
by davebo
Sun Sep 10, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 9684

Re: Consider freezing your credit

I paid equifax $10 last night to freeze my credit. This morning when I went to freeze my wife's credit, they were not charging. I know the attorney general of IL said she was going to pressure Equifax to do it for free, so maybe they just waived the fee starting on the 10th.
by davebo
Tue Aug 29, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3112

Re: Beginner Mountain Bike

You should buy a 1996 GT Outpost from some guy on the internet :P
by davebo
Thu Aug 24, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 2772

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

In the last few years, I can't even remember the last movie I saw in the theater with my wife. We do go about 3-4 times a year to see movies with the kids. I've been pretty disappointed with movies lately so, if we do watch something, it's typically on Netflix, Amazon, or possibly Itunes....all stre...
by davebo
Thu Aug 17, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11899

Re: Is it worth it? [demanding jobs vs time with family]

every minute we are not working, we spend with the kids for the most part I don't see how that number of minutes could be more than zero on weekdays. I work 50-55 hours per week and it is bad. I get up at 5:00am when our baby is sleeping and I come home at 6:00pm or later. Our baby goes to sleep at...
by davebo
Thu Aug 17, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11899

Re: Is it worth it? [demanding jobs vs time with family]

In your situation, I think it would make sense to have one person stay home. I think 2 people can work as long as the hours are closer to 40 hours per week. If you're both doing 60-70, then I don't know how you'd manage the house and spend time with the kids.
by davebo
Wed Aug 16, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Managing Payouts to Contractor
Replies: 6
Views: 621

Re: Home Addition-Managing Payouts to Contractor

I get the idea of progress payments, but my question is has anyone managed the lien waiver process? So for instance, before I make a payment, I should verify the bills for each subs and get a lien waiver for that dollar amount? Or something like that?
by davebo
Tue Aug 15, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Managing Payouts to Contractor
Replies: 6
Views: 621

Home Addition-Managing Payouts to Contractor

We're close to moving forward with a home addition with a contractor. The builder lives a few blocks away, his wife went to HS with my wife, and we know a few people that have used him, so there is some comfort there. However, you hear horror stories about people paying contractors and things going ...
by davebo
Thu Jul 13, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1153

Re: Buy/Remodel or Addition?

Personally I'd probably just buy one of the $620K move in ready homes and avoid the add on and the massive full scale remodel of the $400K property. You're nit picking about the monthly payment going up due to property taxes, but that's not comparing apples to apples with stroking a $120K check (wh...
by davebo
Thu Jul 13, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1153

Re: Buy/Remodel or Addition?

Have you ever lived through a major remodel before? I ask because I wouldn't be so confident that you can remain in the home while the work is being done. I had a much smaller project done earlier this year that involved removing exterior walls in a small bathroom at the back of the house. The amou...
by davebo
Thu Jul 13, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1153

Re: Buy/Remodel or Addition?

In our HCOL area, bought a place w/2200 sf and a small 400sf basement; when #3 came along we just did not have the space. Saw several neighbors who did expansion remodels to add living space, we decided that we'd be overbuilding for the neighborhood and would not recoup much of the 'investment'. En...
by davebo
Wed Jul 12, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1153

Re: Buy/Remodel or Addition?

Just over two decades ago, we went through the same exercise. After we got the costs to upgrade/expand our previous home and included the then current value of the home, it made more sense to have a new house built that had all the features we wanted. It turned out well, without all the inconvenien...
by davebo
Wed Jul 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1153

Buy/Remodel or Addition?

I have an existing 3-bed/3 bath ranch with a full finished basement. Recently we have been talking about doing an addition to add a master suite. Our house is finished, with the exception of the small bedrooms and lack of a master…maybe lack of an office and ample closet space if I’m being picky. We...
by davebo
Mon Jul 03, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house?
Replies: 50
Views: 4547

Re: Should I buy this house?

I have no idea why you would want to buy a house with the, seemingly, primary reason being to have a 3-car garage to house the corvette that you don't own yet. It seems like with the amount of hours you work, you won't be home to enjoy either one of them.

I
by davebo
Mon Jul 03, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14183

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

Generally speaking, if something is a name brand, you're more likely to find a good deal if it's Shipped/Sold by Amazon themselves. Most of the 3rd party sellers are not getting the merchandise from distributors, so they are finding products at clearance at local stores. Even if they are finding it ...
by davebo
Mon Jul 03, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3135

Re: Lastpass anyone use it?

Yes, I use lastpass as well and have been for a few years. For some reason, the chrome add-on stopped working at my employer but I think that's more of a network issue.
by davebo
Mon May 22, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 4641

Re: Has anyone tried Orangetheory Fitness

They are pretty popular here in IL. Most people that I know do OT plus either have a cheap gym membership or a home gym setup for weights. Like others have mentioned, it's probably a good option if you need a little kick in the pants to do cardio. I am kind of the opposite, I enjoy running but hate ...
by davebo
Thu May 11, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1952

Re: Home Addition Costs

Part of the problem might be, you went out for bids for the whole job. Contractors have a hard time controlling costs; maybe, when they finally get to your job, the subcontractor they were going to use is busy on another job so they have to use a more expensive sub. Maybe the cost of tile takes a b...
by davebo
Thu May 11, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Home Addition Costs
Replies: 19
Views: 1952

Home Addition Costs

So a couple months ago we finalized the plans for an addition and sent it out to bid with a few contractors. 2 of them were people the architect recommended and 1 was someone that we knew. The addition was 400 SF addition off the back of our ranch, pretty basic design and materials...plumbing work w...
by davebo
Tue May 09, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 3657

Re: Swing Set 2700.00??

The best bang for the buck would be an used one (like Rainbow) off craigslist. You can hire companies that will move it and reinstall it for you and easily come in under the $2700 and probably a lot less. That's the route that I would've gone except my parents bought me a swingset from Toys R us. It...
by davebo
Tue May 09, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 2622

Re: Cord Blood Banking

We did it with our oldest kid in 2008, but did not do it with our next 2. I think it was around $900 initially and then it's $100/year after that. I don't remember thinking about it that much, but I know my father in law strongly encouraged us to do it...mostly because my SIL had leukemia as a child.
by davebo
Fri Apr 28, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 534
Views: 207058

Re: TV show recommendations?

TerryDMillerMBA wrote:Bosch, season 2

Binge-watch for best results.


Does Bosch start getting better? I saw the great reviews, but just could not get into season 1...only lasted a couple episodes.
by davebo
Wed Apr 26, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5792

Re: $300+ to remove a racoon. Really?

I would pay the $300 in a heartbeat to get rid of a raccoon. The guy has to make 2 trips and then probably has a minimum distance that he needs to release the critter.
by davebo
Mon Apr 24, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 5453

Re: New job and offer - recruiter sent a wrong $$

I guess it would depend on the reasons why you want to leave your current job. I personally wouldn't leave a job for the same money because job moves are when you tend to get bigger bumps in pay than normal merit increases. If you hate your job and hate your location, then maybe I'd consider it. Sti...
by davebo
Mon Apr 17, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2976

How to be a good parent to an introverted kid

My 2nd grade boy is a great kid...very smart, disciplined, works hard in school, and he's a great big brother to his younger siblings. He's always been on the quiet side and more of an introvert. I have to admit that I worry about him socially a bit as he doesn't really express any desire to have ot...
by davebo
Sat Apr 15, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5214

Re: What do you do with your coins?

I give my coins to my kids. Our local bank still counts coins for customers. They actually even do it one better and have the machine out in the lobby so the kids can dump the coins in themselves and take the ticket to the teller.
by davebo
Tue Apr 04, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3683

Re: House buying- How to think about property taxes?

I live in a similar high tax area in IL. We were looking in the $500K price range and couldn't come to grips with paying $13-$14K in property taxes. Granted, there were certain perks in living in these high tax areas like walkability to a downtown filled with restaurants, nice community feel, abilit...
by davebo
Mon Mar 20, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 3652

Re: What is ideal master bedroom size?

Thanks for the feedback. Our current bedroom is 11.5x14" and we fit a queen bed, 1 nightstand, 1 armoire, and 1 standard sized dresser. We really only use the bedroom for sleeping, so I guess it makes sense that we're not wasting space but I would consider the room to be fairly small. I guess s...
by davebo
Sun Mar 19, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What is ideal master bedroom size?
Replies: 30
Views: 3652

What is ideal master bedroom size?

Just curious if everyone's opinions. We are doing an addition and trying not to overdue it unnecessarily. Our plan calls for a 14 by 13 master, 13 by 6 closet, and then a decent sized bathroom. My only pause is whether we should expand the master a couple feet even though we really won't use the roo...
by davebo
Sun Mar 12, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 50
Views: 40415

Re: Do Whole House Humidifiers Work?

Wow, old thread...I started this one about 4 years ago! Looking at it over the last several winters, I've come to the conclusion that maybe a whole house humidifier takes the bite out of the dryness but it's nothing to write home about.
by davebo
Fri Mar 10, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does a 401k loan make sense in this situation?
Replies: 7
Views: 1077

Re: Does a 401k loan make sense in this situation?

I am about to do a home addition and am contemplating a HELOC or possibly doing it in cash. I have the ability to save through my work 401k, my wife's state pension, and thorugh a solo 401k through a business we own. As a result, I've been putting away roughly $50-$60K in retirement. I'm intrigued ...
by davebo
Thu Mar 09, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does a 401k loan make sense in this situation?
Replies: 7
Views: 1077

Does a 401k loan make sense in this situation?

I am about to do a home addition and am contemplating a HELOC or possibly doing it in cash. I have the ability to save through my work 401k, my wife's state pension, and thorugh a solo 401k through a business we own. As a result, I've been putting away roughly $50-$60K in retirement. I'm intrigued b...
by davebo
Wed Mar 08, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance a home addition?
Replies: 5
Views: 791

How to finance a home addition?

My wife and I are contemplating doing a master suite addition on our home. I estimate the cost will be somewhere in the range of $80-$90K when it's all said and done. I could pay cash for the addition, but would prefer to finance it to spread it out over a longer period. Sounds like most people will...
by davebo
Mon Mar 06, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "stuff" for kids?
Replies: 53
Views: 4436

Re: How much do you spend on "stuff" for kids?

If I had to guess, we spent around $1K per kid on "stuff" throughout the year. We still accumulate a lot of stuff because my kids have a lot of aunts/uncles and then the grandparents of course. With regard to the b-day party, we do an outside birthday party at the sports-type place or gymn...
by davebo
Fri Mar 03, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Mexico 3rd week in June?
Replies: 16
Views: 1436

Re: Mexico 3rd week in June?

People told us not to go to Mexico in the summer because it's too hot, but my wife is a teacher and that's the only time we could get away. I didn't recall it raining that much when we were there, but I guess it's hit/miss. I personally would go....ideally these days I prefer to go to warmer places ...
by davebo
Fri Mar 03, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 8659

Re: Do Boglehead DIY or Pay a Professional?

I'm 39, 3 young kids, and both my wife and myself work full-time. While I have the income, I hire people to do most of the handywork around the house. I know it would be cheaper to do it myself, but would add a lot of time/frustration and time is the commodity that is in short supply these days. I k...
by davebo
Fri Mar 03, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: How to ask back the book I lent to a Director?
Replies: 45
Views: 3337

Re: How to ask back the book I lent to a Director?

I think it'd be a little weird for you to ask the book back to be honest. When people volunteer books like "Hey, you should really read this book, here it is", I think you have to give them a bit of time to actually read it. Realistically, she probably never will read the book and hopefull...
by davebo
Tue Feb 28, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Variety Packs at Grocery Stores
Replies: 2
Views: 519

Variety Packs at Grocery Stores

Do you guys/gals actually like the variety packs? I'm mainly talking about the larger boxes that you'd get from Costco/Sams Club that would have 2 flavors as opposed to just a single flavor. For instance, my kids love Nutrigrain bars but only like the Apple Cinnamon and not the Strawberry, so that m...
by davebo
Mon Feb 27, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3983

Re: Do you clear your inbox?

For my work email, I use Outlook and I find it very hard to search when things are put in multiple folders. So I basically just have "open" items and "closed" items and shift things into closed only when I know I won't need the email again. The problem with this is that very few ...
by davebo
Tue Feb 14, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 65
Views: 5354

Re: New cars or Pool?

My 69 year old parents just put in a pool for some reason. My parents raised 5 kids in a 1600 SF house and money was, at times, tight growing up because my dad's business. They went through a 10-12 year period where my dad's business was completely in the toilet and then me and him started an e-comm...
by davebo
Tue Feb 14, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19002

Re: Why do you go to restaurants?

If we do go to restaurants these days, it's mostly quick places without a waitress and places that the kids enjoy. The #1 reason we would go out is because we don't want to cook that day and it gives us a nice break. #2 is either the occasional date night or out with friends. I used to love going ou...
by davebo
Wed Feb 08, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Walmart.com vs. Amazon.com
Replies: 41
Views: 5551

Re: Walmart.com vs. Amazon.com

Amazon has the selection it has precisely because it allows 3rd party sellers to list and fulfill products through FBA. They have essentially thousands of companies paying them to ship and store packages, not to mention improve the listings themselves with more information and detail. Sure, you get ...