Search found 268 matches

by misterno
Fri Jun 23, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Acct. with 1.5% APY for balances < $75K
Replies: 7
Views: 701

Re: Money Market Acct. with 1.5% APY for balances < $75K

Hi. I just found an online bank offering money market accounts with deposit rates of 1.50% APY for balances less than $75,000.00. Here is the link: https://www.bank7.com/personal/high-rate-online-money-market/ It seems legit as I just opened an account for myself. The only issue is that I'm not sur...
by misterno
Fri Jun 23, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 414

Re: Which material to choose for my porch screening?

Depending on the size, you can buy standard sized PVC sleeves that slip over existing posts. Depending on the amount of rot in existing post, I would get a new treated post, slip a PVC sleeve over it and install it. They also come with decorative pvc trim rings that dress up where it meets the grou...
by misterno
Thu Jun 22, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 414

Re: Which material to choose for my porch screening?

1. PVC is absolutely the way to go. You can get it to look like wood, it can easily be painted and it never rots or oxidizes. / Yes I like PVC more I think I will go with PVC but then how do I attach PVC to the existing wood standings? 2. I would start by fastening some sort of sill plate all the w...
by misterno
Thu Jun 22, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 414

Which material to choose for my porch screening?

I have this porch with all wood standings. But on the floor it is some kind of red brick or tile I am not sure. So here are my questions 1) If money is not an issue, then wood or pvc or aluminium is the best way to go in terms of durability which is the most important and the looks? 2) What should w...
by misterno
Sun Jun 18, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How to apply for a credit card if I am a stay at home mom?
Replies: 5
Views: 803

How to apply for a credit card if I am a stay at home mom?

I applied to a few credit cards in the past and I had to choose unemployed for one of the questions and maybe I was always denied. I currently have credit cards and score is around 750 but they keep denying because I am unemployed. Maybe is this because I have 2 late payments in 2016 which I do no r...
by misterno
Mon Jun 12, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4939

Re: best way to buy tires

Tirerack.com Good quality, good prices, good advice. They deliver to an installer near you. Hot ticket is: - Buy from Tire Rack. - Have installed at local Wal*Mart Auto Center. - Free lifetime tire rotation, balancing and flat repair. . How do you get the free free life tme rotationhere? That comes...
by misterno
Mon Jun 12, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11896

Re: Bogle Doubles Down on US Index Funds

By investing in SP500 index fund aren't we investing in EM and global markets also since most of the 500 companies have overseas presence? So they are benefiting from any overseas growth. Am I wrong with this assumption? I know it is not the same as buying Samsung stock but if Caterpillar has big pr...
by misterno
Sat Jun 10, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 62
Views: 4939

Re: best way to buy tires

munemaker wrote:
Braumeister wrote:Tirerack.com

Good quality, good prices, good advice.

They deliver to an installer near you.


Hot ticket is:
- Buy from Tire Rack.
- Have installed at local Wal*Mart Auto Center.
- Free lifetime tire rotation, balancing and flat repair.

.
How do you get the free free life tme rotationhere?
by misterno
Mon Jun 05, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 884

How to find best but the cheapest red wine for better health?

I don't drink alcohol whatsoever. But reading the health benefits of fermentation and resveratrol, I decided to consume it on a regular basis. After a simple google search, I came up with tons of articles all focused on the fact that expensive wine does not mean better. That means there are some win...
by misterno
Mon Jun 05, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

Re: What is the best way to invest for cash flow?

There are legal complexities to holding any US-based investment as a non-US resident. That said the comments from your friend regarding cash flow are non-sensical. If you need cash, sell shares. Problem solved. Being a landlord when you live abroad sounds like a nightmare. Well I know that is why I...
by misterno
Mon Jun 05, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

Re: What is the best way to invest for cash flow?

There are legal complexities to holding any US-based investment as a non-US resident. That said the comments from your friend regarding cash flow are non-sensical. If you need cash, sell shares. Problem solved. Being a landlord when you live abroad sounds like a nightmare. Well I know that is why I...
by misterno
Mon Jun 05, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

Re: What is the best way to invest for cash flow?

There are legal complexities to holding any US-based investment as a non-US resident. That said the comments from your friend regarding cash flow are non-sensical. If you need cash, sell shares. Problem solved. Being a landlord when you live abroad sounds like a nightmare. Well I know that is why I...
by misterno
Mon Jun 05, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

Re: What is the best way to invest for cash flow?

Bond mutual funds usually pay a monthly dividend that could be directly deposited into a bank account. Municipal funds can provide can provide tax free income in a given state. I'm not saying Bond funds are the best way to invest for cash flow, but they are one way to invest for cash flow... I am p...
by misterno
Sun Jun 04, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

Re: What is the best way to invest for cash flow only?

I have a friend whom I talk to about these issues. He says "cash flow is expensive" what he is trying to say is if one invests in cash generating instruments, you would give up some capital gains such as real estate and dividend paying stocks. I have never invested in neither and I am in ...
by misterno
Sun Jun 04, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: What is the best way to invest for cash flow?
Replies: 18
Views: 1983

What is the best way to invest for cash flow?

I have a friend whom I talk to about these issues. He says "cash flow is expensive" what he is trying to say is if one invests in cash generating instruments, you would give up some capital gains such as real estate and dividend paying stocks. I have never invested in neither and I am in V...
by misterno
Wed May 31, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3209

Re: Using LastPass to Manage Passwords

I am not sure what is going on here or what I am missing

I am using chrome in my 2 desktops at home and 1 at work and 2 android phones. All remember my passwords

So why do you need lastpass if you have chrome?
by misterno
Wed May 31, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4237

Re: Mexican Pacific Beaches

I don't understand the hype with mexico and Caribbean islands There are sharks everywhere, how can you swim in ocean knowing that there can be shark attack any time What a boring life this must be - 75x more are killed by lightning //1000x more die bicycling I certainly enjoy snorkling in the Flori...
by misterno
Wed May 31, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital flight to non-US$, NOT Political!
Replies: 15
Views: 1530

Re: Personal capital flight to non-US$, NOT Political!

I would just buy Canadian ADRs

They will be the safest way to invest Canada with no hurdles at all
by misterno
Mon May 22, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4237

Re: Mexican Pacific Beaches

I don't understand the hype with mexico and Caribbean islands There are sharks everywhere, how can you swim in ocean knowing that there can be shark attack any time Not sure if you are serious but, shark attacks are a very low probability and your fear is irrational when compared with the rest of y...
by misterno
Mon May 22, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4237

Re: Mexican Pacific Beaches

I don't understand the hype with mexico and Caribbean islands

There are sharks everywhere, how can you swim in ocean knowing that there can be shark attack any time
by misterno
Fri May 19, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2507

Re: Where to get oil change?

I live in the DC metro area and always get my oil change and tire rotation for $19.99. If you go online, you'll find coupons at Mr. Tire or NTB. After taxes and fees, it comes out to be closer to $25 or so. Mr. Tire also has their own card (similar to a Target REDcard) where they take another $10 o...
by misterno
Fri May 19, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How to pick up good tires for the car?
Replies: 22
Views: 1478

Re: How to pick up good tires for the car?

So the question for me comes down to this Choose walmart or discount tire for tires with keeping in mind that tires need balancing and rotating every 6 months Walmart It has oil change with quaker state for 19.99 cheapest around It has life time rotation for $9/tire I can buy different tires from wa...
by misterno
Fri May 19, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2507

Re: Where to get oil change?

How many miles have you put on since September 2015? If you bought a 40k mile tire and put 20k miles on in a bit less than two years, then 50% of your 11/32 (new) tires would be gone, leaving 5/32nd left. What were the back tires at? Put the back on the front and then go for another 1+ years and it...
by misterno
Fri May 19, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: How to pick up good tires for the car?
Replies: 22
Views: 1478

How to pick up good tires for the car?

I have a 2009 Toyota Yaris and where I live almost all streets and highways are concrete not asphalt (Houston) And I drive a little crazy like 80 miles per hour all the time. This is a front wheel drive I was getting Kumho Sense Kr26 185/60R15 Tire 84H all the time for the last 20 years or paid $56 ...
by misterno
Fri May 19, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2507

Re: Where to get oil change?

How many miles have you put on since September 2015? If you bought a 40k mile tire and put 20k miles on in a bit less than two years, then 50% of your 11/32 (new) tires would be gone, leaving 5/32nd left. What were the back tires at? Put the back on the front and then go for another 1+ years and it...
by misterno
Fri May 19, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2507

Re: Where to get oil change?

How many miles were in that year and a half? What is the treadwear rating of the tire you installed? You should also check the alignment and whether the wear was even. Simply not rotating the tires should result wear that is that unusual. Maybe 10K miles at most It was Kumho Sense Kr26 185/60R15 Ti...
by misterno
Fri May 19, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2507

Where to get oil change?

I purchased new tires September 2015 , these are Kumho for my Toyota yaris Fast forward, yesterday I was in Discount Tire getting air and the guy said my front tires have 5/32 thread I was shocked, tires were only year and a half old It turns out the walmart that I go for oil change, never rotated t...
by misterno
Wed May 17, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1662

Re: Keep paying for AC refrigerant when tech cannot find a leak

my situation is crazier AC tech comes and says I need the new Freon which is cheap So he charges me 3lbs and $35/lb so $100 there And then goes up to the attic and checks out the AC unit and says, there is obviously a leak and it is impossible to take care of the leak in those brands So it needs to ...
by misterno
Thu May 11, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Why Junk Bond Yields Hit Record Lows?
Replies: 3
Views: 801

Why Junk Bond Yields Hit Record Lows?

Interesting WSJ article https://www.wsj.com/articles/junk-bond-yields-hit-record-lows-1494510634 So here is my question. With junk bonds yield all time low and stock market volatility index extremely low, what does that tell you? US and global economies are doing exceptionally fine? Is that what I a...
by misterno
Wed May 10, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3382

Re: What to do with older laptop?

check best buy

I sold this trashy non working laptop to best buy for 50 bucks last year
by misterno
Fri Apr 21, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7435

Re: Removing a tree - expensive!!!

We have an old Silver maple that needs to be removed. It is still alive, but not "healthy". It is the last of three still standing, where the other two from when we bought the house 38 years ago have fallen down. I suspect that this remaining tree may be suffering from the same sort of in...
by misterno
Fri Apr 14, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1683

Re: How to avoid heath care surprises?

never heard that low before I am hoping that you are not mixing deductible with OPM Just curious what industry what type of company you are in? 3K is really low for OPM No mixing is occurring. My deductible is $250 and my OPM is $3000. Without giving too much identifying info, I'm at one of the top...
by misterno
Fri Apr 14, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1683

Re: How to avoid heath care surprises?

[quote="misterno"]never heard that low before

I am hoping that you are not mixing deductible with OPM

Just curious what industry what type of company you are in?

3K is really low for OPM
by misterno
Fri Apr 14, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1683

Re: How to avoid heath care surprises?

never heard that low before

I am hoping that you are not mixing deductible with OPM[/quote]
by misterno
Fri Apr 14, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1683

Re: How to avoid heath care surprises?

GraduateStudent wrote:
misterno wrote: What is your OPM?


$3000, which seems to be within a few dollars of what we will pay.

never heard that low before

I am hoping that you are not mixing deductible with OPM
by misterno
Fri Apr 14, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid heath care surprises?
Replies: 26
Views: 1683

Re: How to avoid heath care surprises?

Our first child was just born two months ago :D Mom and child are healthy and dad and mom are tired. I've been surprised how opaque our healthcare charges from the delivery have been. We get bills in the mail that say something along the lines of: Total costs: $20k Insurance pays: $10k You pay: $1k...
by misterno
Thu Apr 13, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 687

Re: Which concentrated roach killer is the best?

I have been using Bengal spray for well over 20 years and it is case closed on all roaches in the house. The big german cockroaches that come into the house after a hard rain take longer to die but they can fly too. Pay the extra pemium..... you mean Bengal gold? I agree but I can not find the conc...
by misterno
Thu Apr 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 687

Re: Which concentrated roach killer is the best?

goblue100 wrote:Not a spray, but boric acid under the fridge and dishwasher, and in the weep holes for long term control.
http://www.copperbrite.com/roach.html


thanks but I am trying to spray from outside. Spraying around windows from outside

When I spray like that, it gives me 3-4 days of bugfree life
by misterno
Thu Apr 13, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 687

Re: Which concentrated roach killer is the best?

I buy Bifen XTS from Amazon, mix it up myself in a 1 gallon garden sprayer at about double the recommended concentration, and soak the perimeter of the house and crawl space every few months. For indoors, I use Bifen IT which is the water based version. This stuff kills everything. I checked the pr...
by misterno
Thu Apr 13, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1253

Re: Affordable cellphone with the best camera possible

32GB Apple iPhone SE is $200 https://slickdeals.net/f/10026504-32gb-apple-iphone-se-at-t-prepaid-gophone-space-gray-200-free-shipping 32GB Apple iPhone 6 is $200 https://slickdeals.net/f/10041900-32gb-apple-iphone-6-boost-mobile-prepaid-smartphone-space-gray-200-free-shipping?page=2#comments I guess...
by misterno
Thu Apr 13, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Which concentrated roach killer is the best?
Replies: 11
Views: 687

Which concentrated roach killer is the best?

Summer just started and I keep seeing these bugs in my house. All windows are closed but if the weather is nice we open them and sometimes forget it overnight. There is a mosquito screener in each of them but somehow bugs are coming in So far, Bengal gold from walmart is working perfectly. But it is...
by misterno
Wed Apr 12, 2017 2:27 pm
Forum: Forum Issues and Administration
Topic: I want to be notified everytime there is a new topic
Replies: 1
Views: 645

I want to be notified everytime there is a new topic

Is it possible to receive a link every time someone opens a new topic?

not replies just the first time a topic is created
by misterno
Wed Apr 12, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1253

Affordable cellphone with the best camera possible

My son keeps dropping my wife's phone which is HTC One M7. We need to get a new one So this time I wanted to get something that has better camera. After researching alittle, I found that the pixel number is useless rather the size of the sensor on the cellphone is determining the quality of the phot...
by misterno
Tue Apr 11, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard leaves crumbs for active fund managers
Replies: 26
Views: 4031

Re: Vanguard leaves crumbs for active fund managers

...How is Vanguard owning 40% of shares and voting rights in most major companies any better than having the state owning 40% of shares and voting rights in most public companies in many foreign markets?... It wouldn't be, but it doesn't. I'm not sure where you got 40%. To begin with, I believe tha...
by misterno
Mon Apr 10, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6903

Re: Death of retail/malls to affect REITs?

18 large retailers besides jc penney are closing stores https://www.thestreet.com/slideshow/14015070/1/5-other-big-retailers-besides-j-c-penney-closing-a-good-amount-of-stores.html Interestingly all these companies are for mid to high level customers Dollar stores Fallas Parades 99 cents only Dollar...
by misterno
Mon Apr 10, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6903

Re: Death of retail/malls to affect REITs?

Amazon needs to buy property for data centers and distribution hubs. Oh, look! There's a nice empty mall over there at a cheap price. :) They need data centers and distribution hubs but they do not need to be close to cities or population. They can be in the middle of nowhere so they will not buy t...
by misterno
Mon Apr 10, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Website to compare corporate bonds?
Replies: 3
Views: 321

Website to compare corporate bonds?

I am trying to find a website where I can compare corporate bonds / dividends with their return and rating. I would expect to see lower rating pays more interest but more risk but then there are thousands of them out there how do I compare them? I found out this company ENGIE.PA and their rating is ...
by misterno
Mon Apr 10, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2061

Re: Buying high yielding Bonds 5-10%

Dottie57 wrote:Take a look at this from frontier

http://investor.frontier.com/bond.cfm

Doesn't look good.


just my 12 cents

if the rating and/or outlook not promising you would buy short term bonds? Does that make sense?

Short term to reduce risk
by misterno
Mon Apr 10, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Death of retail/malls to affect REITs?
Replies: 69
Views: 6903

Re: Death of retail/malls to affect REITs?

I find that many people are making too big of a deal about e-commerce and its impact on physical retailing. At this moment, 91.7% of all retail dollars flow through brick-and-mortar retailers. But a recent Forrester research report suggests that around 50% of all retail sales dollars are impacted b...

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