Search found 770 matches

by iamlucky13
Fri Feb 16, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Getting healthcare retroactively covered under COBRA?
Replies: 8
Views: 750

Re: Getting healthcare retroactively covered under COBRA?

I'm responding though to the other poster's mention of Kaiser. In my experience (which admittedly is dated), they are the most organized of the insurance/HMO organizations. Interesting to know. They also seem to be one of the least expensive in my area. The counterpoint I've heard is they can be pr...
by iamlucky13
Fri Feb 16, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Getting healthcare retroactively covered under COBRA?
Replies: 8
Views: 750

Re: Getting healthcare retroactively covered under COBRA?

Retroactive coverage is not a lie. You have a fundamental misunderstanding of what "retroactive" means, "effective on a prior date". My understanding of the word "retroactive coverage" included "active." Since nothing more was explained, either in my separation notice, or in my COBRA notice, nor an...
by iamlucky13
Fri Feb 16, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: Getting healthcare retroactively covered under COBRA?
Replies: 8
Views: 750

Getting healthcare retroactively covered under COBRA?

I was recently laid off and received my COBRA notice a few days ago. We're in the process of making this shockingly expensive decision - family coverage is literally more expensive than our mortgage, and there's a maze of conditions and limitations to learn about and compare with the Marketplace and...
by iamlucky13
Thu Feb 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7638

Re: What big item (>20k) are you saving up for?

One (or perhaps even two in the long term of)

- My neighbor's pasture, if she decides its time to move to an assisted living facility
- A quiet piece of property up in the mountains for a cabin
- An add-on to our home to keep up with the kids as they grow
by iamlucky13
Mon Feb 12, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2090

Re: USPS Flat Rate Boxes - How do they work?

If you're going to package a flat rate box at the post office, bring your own packing tape. Our local post office sells very small rolls of packing tape for a rather stiff price. And I've learned to tape up my package in my car. If others see you have tape, in my experience, they'll ask if they can ...
by iamlucky13
Mon Feb 12, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7095

Re: I’m not renewing my Costco membership.

I agree that a lot Costco members just seem to assume value automatically. I do think it is a good model, and we are members, but I sat down and did some math when they told us we should upgrade to an executive membership. That higher fee didn't actually make sense for us. The basic membership does ...
by iamlucky13
Sat Feb 10, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: FLIR Thermal Imaging Camera
Replies: 14
Views: 1382

Re: FLIR Thermal Imaging Camera

Have you seen the FLIR One model? It's a basic infrared camera that tethers to a smart phone (Android and iOS versions are available) for its user interface.

I don't know what limitations it has compared to the models you were looking at, but at $200, it seems very worth considering.
by iamlucky13
Wed Feb 07, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: Air Source Heat Pump as hedge against future expenses
Replies: 13
Views: 937

Re: Air Source Heat Pump as hedge against future expenses

What's your cost for electricity, what price do you currently pay for oil, and is there any chance natural gas will be available to you in the next decade? It would also help to know what area you are in, because as mentioned by another poster, heat pumps decline in effectiveness as the temperature ...
by iamlucky13
Tue Feb 06, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5749

Re: Amazon Alternative

Specialized retailers - eg: Newegg, Adorama, BH, or Best Buy for electronics, Campmor or REI for outdoor gear.

Whatever your interests, I think it's worthwhile to search more specialized places both online and brick and mortar to find related items than just Amazon or Jet or Target.
by iamlucky13
Mon Feb 05, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 1905

Re: Internet Speed 15Mbps okay ?

3 Mbps here. I can stream 720 Youtube fine (usually - Frontier DSL is unreliable) after 5-10s of initial buffering, but 1080 pauses to buffer mid-viewing sometimes (edit - actually, re-watching the recent SpaceX launch on youtube at 1080 resolution, it didn't need to buffer mid-viewing at all). That...
by iamlucky13
Mon Feb 05, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3577

Re: Calling it right now.

Investing in GE today will be like investing in Chipotle back in 2004...or Amazon in the 90's. I assume you're joking and, among other things, you're aware of the difference between the growth prospects (although hopefully also the risks) of a new market entrant with a potentially disruptive produc...
by iamlucky13
Mon Feb 05, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262118

Re: U.S. stocks in freefall

A lot of doubt circling this board. Somewhat troubling. Exactly what I was thinking. I see a lot of posts on the board questioning boglehead principles or suggestion action 180 degrees from the advice I've read on bogleheads.org for the past year (fairly new here). Is talking about BH principles an...
by iamlucky13
Sun Feb 04, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1101

Re: T-Mobile Coverage in Rural Areas

My experience is T-Mobile coverage is fine along most stretches of interstate, so as long as you have your destination entered well in advance of getting onto the smaller roads where it might drop out, it works fine. Their coverage maps are problematic, however, if you try to use those as a go-by. O...
by iamlucky13
Sun Feb 04, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 38
Views: 6784

Re: Capital one 360 money market New $500 bonus

Are folks not concerned about 1099 they will receive next year? To me this is always a big issue when signing up for any bank bonuses for opening accounts, I prefer to stay with credit card rewards. The award money after you factor in taxation is lesser than the number. I opened a CapitalOne 360 ac...
by iamlucky13
Sun Feb 04, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 38
Views: 6784

Re: Capital one 360 money market New $500 bonus

Are folks not concerned about 1099 they will receive next year? To me this is always a big issue when signing up for any bank bonuses for opening accounts, I prefer to stay with credit card rewards. The award money after you factor in taxation is lesser than the number. I opened a CapitalOne 360 ac...
by iamlucky13
Sat Feb 03, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3972

Re: Amazon Stock - Can this giant be stopped?

Their customer service is good, but their website is a mess, Um, have you been to one of their competitors' web sites lately? Say Walmart, or Target, or Sears? At least Amazon's pages don't crash or take minutes to load, I can expect to find what I'm looking for, and their suggestions usually aren'...
by iamlucky13
Sat Feb 03, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3972

Re: Amazon Stock - Can this giant be stopped?

On the BBC World News channel this weekend: ' Break up the Tech Giants' Google, Apple, Facebook, Amazon and Microsoft. In the space of just ten years, these five have become the biggest companies on the planet, each utterly dominating the market they operate in. They've got so large by offering con...
by iamlucky13
Sat Feb 03, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3972

Re: Amazon Stock - Can this giant be stopped?

As our society changes I wonder how this giant could be stopped. It appears to me that more than ever the younger generations like to purchase things online and there is nowhere better to shop than Amazon. Their customer service is outstanding as I have had a few issues in the past and those were f...
by iamlucky13
Sat Feb 03, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2467

Re: Bank signup bonus 1099

Received one from US Bank for $200 bank sign up bonus. Waiting on Capitol One and WFB. I'm not reporting those if I don't receive 1099's because too much trouble to recreate in tax software. If IRS comes after me I'll send them the $1.32 or whatever it might be that they ask for in extra taxes. The...
by iamlucky13
Sat Feb 03, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Ireland accommodations
Replies: 9
Views: 767

Re: Ireland accommodations

Can we wing it in small towns in the West that time of year with five of us? And would you still find a place the same way as described above? Or do people do AirBnB these days? If so, can you AirBnB a place on the spot or a day or so ahead of time? Thanks for any advice. I think it was May when we...
by iamlucky13
Fri Feb 02, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 5994

Re: Relearning Calculus

This depends on what you want to learn and what you mean by "from the ground up". The foundations go well below ground level and get deeper every decade. You don't need to go all the way down to have a good understanding. In my experience a "calculus" course is a mathematical methods course. It tea...
by iamlucky13
Mon Jan 29, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

Try to get outside regardless of it being winter. I know it's tough, but if you don't have an adequate coat, hat, and gloves for both of you to spend an hour outside in typical weather without more than minor discomfort (obviously not during storms unless you want to raise a true adventurer), I thin...
by iamlucky13
Sat Jan 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8510

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I'll join the chorus here on security. Anything older than a 5S isn't supported. Newer versions of iOS contain numerous critical security fixes, and the 5 doesn't get them. Not to downplay the concern, but it seems planned obsolescence works better when you've got a compelling reason for half your ...
by iamlucky13
Fri Jan 26, 2018 1:46 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8510

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

T-Mobile has started phasing out 2G antennas, so my Motorola W233 candy bar phone stopped working at my house a year or two ago. It was 7 years old. I replaced it with a Kyocera Rally, another candy bar phone. Unfortunately, it's a piece of junk even though it cost twice as much as my W233. I've sa...
by iamlucky13
Thu Jan 25, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8510

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I bought a battery for my 5s at one of the mall kiosks and they replaced it for $30 and in 10 minutes. Works like new. Given the problems with some Li-ion batteries are you concerned about the battery? I think from some of the clips of these catching on fire I would rather pay the extra and have Ap...
by iamlucky13
Thu Jan 25, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8510

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

T-Mobile has started phasing out 2G antennas, so my Motorola W233 candy bar phone stopped working at my house a year or two ago. It was 7 years old. I replaced it with a Kyocera Rally, another candy bar phone. Unfortunately, it's a piece of junk even though it cost twice as much as my W233. I've sav...
by iamlucky13
Thu Jan 25, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5450

Re: Exterminator Accidently Sprayed our Home

What did they spray? One of the first things I'd do is contact them and get this information and any related safety information. They should at least be able to provide MSDS sheets. Since they trespassed on your property to do the spraying, and since licensed exterminators often have access to produ...
by iamlucky13
Wed Jan 24, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance company wants money back
Replies: 45
Views: 4503

Re: Life insurance company wants money back

Call me crazy but the first thought I had was...what are they going to do about it? He has no wages to garnish, no assets to take, and will probably be gone before any type of litigation winds its way through the legal system. Possession is 9/10ths of the law in this case methinks. Social security ...
by iamlucky13
Wed Jan 24, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance company wants money back
Replies: 45
Views: 4503

Re: Life insurance company wants money back

Whoa...a lot of posts since I wrote mine. It is amazing how many people are in favor of commiting insurance fraud. And no this guy isn't some innocent victim. He knowingly submitted a form with false info (i.e. was aware of the birthday mistake and didn't correct it) and was hoping to benefit from t...
by iamlucky13
Wed Jan 24, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance company wants money back
Replies: 45
Views: 4503

Re: Life insurance company wants money back

It's hard to think of advice other than to see a lawyer when the stakes sound as significant as you describe. I very much doubt ignoring the letter will lead anywhere better. My understanding is there normally is a 1-2 year contestability period at the *start* of coverage to give the insurance compa...
by iamlucky13
Mon Jan 22, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2284

Re: Kauai Travel Tips

We found a VRBO on the north side, but the number of options available on the north side is more limited, aside from a couple large, very fancy looking resorts. Other amenities like dining out are also more limited on the north side. We liked the quieter setting, in part as both my wife and I grew u...
by iamlucky13
Sun Jan 21, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5044

Re: 4k UHD TVs worth it?

Meh. One of the movies in my collection came with a DVD in addition to the Bluray when I bought it. That made it easy to compare, and we're not even talking about the difference between HD 1080 lines) and UHD 4K (2160 lines). We're talking SD (480 lines) vs HD (1080 lines). On my 50" plasma, I can ...
by iamlucky13
Fri Jan 19, 2018 3:27 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5044

Re: 4k UHD TVs worth it?

Meh. One of the movies in my collection came with a DVD in addition to the Bluray when I bought it. That made it easy to compare, and we're not even talking about the difference between HD 1080 lines) and UHD 4K (2160 lines). We're talking SD (480 lines) vs HD (1080 lines). On my 50" plasma, I can m...
by iamlucky13
Sun Jan 14, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Costco laminate flooring
Replies: 7
Views: 1357

Re: Costco laminate flooring

FYI, the customer service information on the packaging is at the same address as Mohawk, so it's easy to tell who makes it. Mohawk is one of the leading laminate manufacturers, and even bought out Pergo when the latter ran into financial trouble after the recession. Thus, durability should be on par...
by iamlucky13
Sun Jan 14, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Pls help - what tablet will work for me?
Replies: 5
Views: 544

Re: Pls help - what tablet will work for me?

Tablets don't have keyboards, but most can be used with a separate Bluetooth keyboard. Are you really looking for a 2-in-1 laptop, are are you thinking of a tablet and a Bluetooth keyboard? If the former, you might be able to find a used Chromebook. If the latter, after the cost of the keyboard, you...
by iamlucky13
Tue Jan 09, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4092

Re: Oil filled space heaters

I wonder how much difference there is in the brand you buy. I have a Pelonis oil heater and it works great in a small room. Use it all night in a bedroom and it gives quiet, even heat. But put it in a larger room and its mostly ineffective. I wonder if I bought a more expensive brand would if funct...
by iamlucky13
Sat Jan 06, 2018 5:22 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 12099

Re: European Cities that don't interest you

Chernobyl — maybe I am somewhat interested, but from a distance. I've heard it gets glowing reviews. But these reviews have only half-life. Victoria It reminds me of a cartoon showing a Soviet newscaster breathlessly saying, "The official death toll in Chernobyl is three, the other 2,000 were not o...
by iamlucky13
Tue Jan 02, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: anyone installing a hybrid gas heat system for heat?
Replies: 5
Views: 459

Re: anyone installing a hybrid gas heat system for heat?

Are these ductless or ducted units? Based on my not quite comparable experience, for units that size, with significant updated insulation, a pair of 1.5 ton units sounds like it would be sufficient, but could be marginal at those temperatures. The "expert" should have been able to do heat loss calcu...
by iamlucky13
Tue Jan 02, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1566

Re: Ever drink Chartreuse?

I've tried it neat, once. I thought it was good to sip in small quantities (half a shot, maybe). Unfortunately, the friend who poured it was pretty intoxicated and poured me roughly two shots worth. The bottle belonged to another friend who was quite excited to share it, so I didn't want to let it g...
by iamlucky13
Sun Dec 31, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Convert drafty wood burning fireplace to more efficient
Replies: 21
Views: 1718

Re: Convert drafty wood burning fireplace to more efficient

Any kind of fireplace insert will be better than just a fireplace, even with doors. Normally there is a damper you can close to significantly reduce cold drafts when there is no fire, although you definitely don't want to forget to open it again when starting a fire. Gas will be a good option if you...
by iamlucky13
Sun Dec 17, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 25
Views: 2960

Re: Takata Airbag Class Action Settlement

The Takata mailing that I received recently didn't sound like a settlement for payment to those who had recalled airbags. I read it as a settlement in the bankruptcy court to create a fund to pay the airbag replacement costs of anybody who has an affected airbag but for some reason still has not had...
by iamlucky13
Thu Dec 14, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1367

Re: Active Duty Military Bereavement Leave?

Thank you all for the information. I will encourage him to submit the request and be sure he knows the rest of the family can get info to him if any verification is needed. I'm not going to try to get in touch with his CO. I suspect he would not appreciate that. I think a couple of you caught on to ...
by iamlucky13
Thu Dec 14, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1367

Active Duty Military Bereavement Leave?

I'm seeking input from those familiar with the military's family bereavement leave policies? USAF specifically, commissioned. My grandmother passed away (not suddenly, but of course, these things are never planned), and my brother does not expect to be able to get leave for the funeral from exercise...
by iamlucky13
Wed Dec 13, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 2201

Re: Novel Gift Ideas for Adult Siblings

I try to think of useful things a person might not know they'd like having, or a nicer version of something they may have. For example, I think most people could use a better flashlight than their phone from time-to-time, but not many actually do. I see them as another gift like a decent knife or bo...
by iamlucky13
Wed Dec 13, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Unoccupied second home: weird temperature spikes on remote monitor
Replies: 17
Views: 2184

Re: Unoccupied second home: weird temperature spikes on remote monitor

Is it a battery powered monitor? Cold temperatures can cause poor battery performance, which might screw up the readings. Home temperatures tend to change pretty slowly. Oscillations make me think bad data is more likely than the house temperature swinging. A malfunctioning thermostat is not out of ...
by iamlucky13
Wed Dec 13, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 3870

Re: How to deal with Micro-manager

Half joking response about the conference call muting - get a mechanical keyboard with the loudest keys you can find, and take notes during the meetings.

"I'm sorry, do you not want me to treat these calls as important and take notes? Or should I just mute my microphone?" :twisted:
by iamlucky13
Wed Dec 13, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3332

Re: Access to landlocked timber blocked by landowner

"The North access could be granted if you had hardcopy documents from the landowner saying he granted permission for you to do so. . .with no time limitation. . .or right of recind" That's exactly what is in the purchase agreement signed by landowner. Thanks Sandtrap. DA I'm not sure what force suc...
by iamlucky13
Wed Dec 13, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 4906

Re: Cheap tablet just for internet surfing

Keep in mind that YouTube and other Google services will no longer be accessible on Amazon devices starting January 1st. The article's I'm seeing say only that Google is pulling app support for the FireTV. It sounds like the Fire tablet app should still work, as well as access via browser. If they'...
by iamlucky13
Wed Dec 13, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 3870

Re: How to deal with Micro-manager

She's been working for 3 weeks? Give it some time. PVW, Why do you think that it will get better? IMHO, it could only get worse if she does not put a stop to this. KlangFool I will jump in and say it will not necessarily get better, but she's likely to get a better sense over time of what his manag...
by iamlucky13
Tue Dec 12, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2816

Re: Does any indicator not predict a 2000/2007'ish crash?

Oh no I don't think bitcoin will be the primary cause. I think the stock market is just way overvalued on an EPS and just common sense basis. I think bitcoin is a symptom of the irrational exuberance infecting the investing world. Everywhere I look screams bubble. That being said I'm too much of a ...