Search found 908 matches

by obgraham
Sat Nov 11, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 11047

Re: Capital One -- Again!

2 months into the changeover, Ally is working out well for me. I'm just waiting till my CapOne balance is used up, then they'll be consigned to my dustbin of previous companies!
by obgraham
Sat Nov 11, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6200

Re: Isn't it safer to NOT sign Credit card?

Another thing to consider is how inaccurate the digital signature pads are. Interesting to see that MC will get rid of signatures. Since the digital signature pads came about, I've habitually just drawn a wiggly line on them, with no attempt at a signature. Never once has it been challenged or reje...
by obgraham
Tue Nov 07, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2413

Re: My Dad's slides

Put them in the basement or garage in a place that might flood if there is a heavy storm. When that happens, throw them out because they are ruined......and don't let guilt drive your decision. Well that's a valid view. Except this is a one-time opportunity. There might well come a time in your lat...
by obgraham
Mon Nov 06, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 73
Views: 8663

Re: Retirement in Arizona - Seeking Advice

Yup. Great place. I'm headed back Tuesday next for the winter. We go to Mesa, likely too downscale for a lot of folks here, but snowbirders there are my kind of people. When I want upscale I drive over to Snottsdale. Friend asked me last night "what do you DO down there?", to which my usual answer i...
by obgraham
Mon Nov 06, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 18
Views: 1350

Re: Palma, Malta, Sicily, or Spain for winter break?

Who can say where another person would enjoy the most? Not possible.

However, anyone who couldn't find good food in Malta just didn't look very hard!
by obgraham
Sun Nov 05, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3120

Re: bidets

So I have a serious question, never having used these devices. Do you sit there and wait while it dries you off, or do you get up and use a towel? Is this a long procedure?
by obgraham
Sun Nov 05, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17618

Re: WSJ Digital Subscription - a bargain!

Like Broadway519 below, I fell for the same WSJ scam. I'm still processing a fraud complaint via my credit card.

Those for whom it has worked: consider yourselves fortunate.
by obgraham
Sun Nov 05, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 1452

Re: Anyone did tours (to Peru) with Gate 1 Travel?

I would like to thank all who responded. Yesterday, we did book the 10 day Peru tour for late May 2018. I think that looks like a great tour. With good guides, it's a lot better than trying to do it yourselves. I see you will stop at Chinchero to visit the textile shop. We enjoyed that almost as mu...
by obgraham
Fri Nov 03, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2862

Re: CR doesn't like some formerly favored SUVs

Indeed, what is "expected reliability"?
by obgraham
Thu Nov 02, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Upgrading ... which iPad to purchase?
Replies: 14
Views: 1127

Re: Upgrading ... which iPad to purchase?

Finally sprang for a 256gig iPad Pro in May, and I like it. However, I dropped it, and cracked the screen, though it still works well.
In fact I like it so much that I bought another one just like it, within a few days after the latest, and more expensive version, came out.
by obgraham
Thu Nov 02, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2231

Re: How secure are Wi-Fi cameras?

It seems to me that everything can be hacked, given the effort by the hackers. The only real solution is to use old 60's technology, like the US missile silos. We'd never do anything internettish if we wanted absolute security. If hacked, my system will allow some guy in China to watch my front door...
by obgraham
Thu Nov 02, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9398

Re: I'm fairly young but done with saving money

I think OP has the right idea. Why not enjoy what you are earning now? If you don't want to establish high-spendy habits, use some of that current cash flow for charitable purposes: Spend on your mental well being, not just more stuff. Nothing is cast in stone. OP says he's in his 30's. If it looks ...
by obgraham
Wed Nov 01, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Vacation to Madeira/Azores in 3 Weeks
Replies: 2
Views: 266

Re: Vacation to Madeira/Azores in 3 Weeks

Plenty of ATM's in Funchal.
by obgraham
Mon Oct 30, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 5995

Re: Unable to Escape from Quicken Island ...

My Quicken solution: 1. Use an old Quicken version. My 2009 is working fine and I've been able to install it on numerous computers. 2. Never update or otherwise modify Quicken once it is working as you wish it to. They will mess it up, guaranteed. 3. Never allow Quicken to connect my stuff to their ...
by obgraham
Mon Oct 30, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Printing Problems
Replies: 6
Views: 425

Re: Printing Problems

I would uninstall the printer, then reinstall it.

I've found wi-fi printing to be a hit-or-miss feature, never really figuring out why it might go south on a given day.
by obgraham
Mon Oct 30, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3157

Re: European Tours

Part of the decision between organized vs self touring depends on what it is you want to see. I've been both ways. Planned out my own trips a number of times, and never really had any problems with that method, except we would spend more time each day than I like just trying to make up our minds: wh...
by obgraham
Sun Oct 29, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4530

Re: Do you subscribe to digital newspapers?

jacks0816 wrote:
Sun Oct 29, 2017 4:45 pm
I subscribed to WSJ through the website "dailysubscription." The is a great deal, but if it doesn't work-
Agreed, jacks0816
I'm a week or so further than you down the same process. Turned it over to credit card company.
I believe we have both been scammed.
by obgraham
Tue Oct 24, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Hydroseeding. Anyone used it?
Replies: 8
Views: 619

Re: Hydroseeding. Anyone used it?

In my desert community hydroseeding is used a lot. Better seed distribution than simply casting the seed, especially if it is a windy locale. In the long run, you wind up with better roots than sodding. Agree that the prep is all important. Get the bumps out, and either roll it or till it to get an ...
by obgraham
Sun Oct 22, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 34
Views: 2358

Re: What is the best thing to use to hang pictures?

Just use a nail. Put some tape on the wall, run the nail through it. Use 2 for every picture.

Those stickup hooks are only good for hanging up stuff like the fly swatter where you need it.
by obgraham
Sat Oct 21, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 4997

Re: Paying for medical school for son?

We paid undergrad education for all three of our daughters, and as a physician had the privilege of paying full non-scholarship rates for all of them. Two at private Universities, one at State. That, of course, is what parents do. However, for all three, paying their own postgraduate education, larg...
by obgraham
Fri Oct 20, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1556

Re: Mercedes Benz E300 Navigation System

If the 300E uses the same Becker unit that is in the Sprinter vans, it's just junk. The whole layout is not intuitive to those of us experienced in Google maps or Garmin. Perhaps it's just a Euro thing? I use mine only to display upcoming streets in urban areas. Otherwise my tried and true Garmin si...
by obgraham
Thu Oct 19, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 25707

Re: The Wall Street Journal to close Google loophole entirely

Well I did just sign up for WSJ via that 3rd party link shown here earlier. The link and setup worked just fine. According to WSJ I'm a legit subscriber. I think the price is fair -- I'm not opposed to paying for the newspaper, I just didn't think WSJ's own price was reasonable. I'm rescinding my p...
by obgraham
Wed Oct 18, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3711

Re: Is a doctor's practice one of the safest and most profitable businesses?

I know a lot of docs who are hardly making a go of it these days, and many more who've sold out to hospitals simply so they can take home a paycheck. Now I agree there are plenty of others making a ton. Medicine is an odd type of business model. In private practice the doc gets paid on a "per servic...
by obgraham
Tue Oct 17, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2538

Re: How do you outfit your feet?

[...] Never understood the fascination with having a closet full of shoes. I only have 2 feet.[...] I bet you've only one torso. How many tops do you own? ;-) Tops are different -- you have to run 'em through the wash periodically. But the answer is "a lot fewer than most folks"! Then there's hats....
by obgraham
Mon Oct 16, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2538

Re: How do you outfit your feet?

1. Black loafers 2. Black lace-ups for weddings, and then to put on me at the funeral home. 3. Slippers around the house 4. NB sneakers. New one each year. Last year's becomes the gardening shoes, then pitched. Never understood the fascination with having a closet full of shoes. I only have 2 feet. ...
by obgraham
Mon Oct 16, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 1258

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

I too have a RoadTrek. Bought the upper end of the line on the MB chassis with all the electronic geewhiz you can imagine. Actually everything on mine works as it should and I have no complaints with the rig. It's 23 feet, and I have never had a problem finding a place to park. However it is complic...
by obgraham
Mon Oct 16, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3410

Re: Verizon TravelPass

This thread points out what we all understand but often ignore: The value of a service plan can only be determined by applying it to your own circumstances. I'm like RudyS and a few others. When I'm on vacation overseas I seldom use my phone for anything, and in fact usually don't turn it on. But I ...
by obgraham
Mon Oct 16, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Bolivia trip - Tight Flight Connection in La Paz?
Replies: 1
Views: 195

Re: Bolivia trip - Tight Flight Connection in La Paz?

Bolivian air travel is not a "scheduled" thing. They pretty much fly when they please. When I went there a few years back it was through Santa Cruz, but not one of my flights was on time. Locals told me that was just the way things are there. Return flight was cancelled, and re-routed through LaPaz ...
by obgraham
Sun Oct 15, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 29
Views: 5425

Re: Met with a CFP, not too impressed.

I'm actually married to a CPA who took out CFP credentials, and I have a couple of friends with CFP's. Though I wouldn't say it to their face (especially the spouse!), I'm just not that impressed with the program, much of which is online learning stuff. In my experience they get hooked into some sor...
by obgraham
Sat Oct 14, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Using recent Quicken versions standalone
Replies: 5
Views: 650

Re: Using recent Quicken versions standalone

I would have a look around internet for a downloadable old version of Quicken. Mrs O recently purchased Quicken 2017 "to get her checkbook on a register". What a wreck, with all the upgrading, going online for this and that. I've been using Quicken 2009 since, well, 2009, with no issues whatsoever. ...
by obgraham
Fri Oct 13, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5216

Re: Outback Vs Forester Vs CR-V ??

I made the exact same choice this time a year ago -- Forester, Outback, or CRV. To replace an '06 CRV. Any of the 3 is a good choice. Settled on the Forester primarily because of the seating position and exterior view, especially the rear quarter. Just don't like the CRV shape, I guess. And then sin...
by obgraham
Thu Oct 12, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2252

Re: Ecuador safe to travel and hike?

If you enjoyed your trip in Peru, I've no doubt you will enjoy another in Ecuador. I think the "danger" in such places is overblown. These are poor countries by our standards, and so your more valuable "stuff" is attractive to those who have little or nothing. So the precautions you should take are ...
by obgraham
Wed Oct 11, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2572

Re: A good value wine I found...

Something like the advice I got years ago: sell your stocks and buy canned beer.

If the price of aluminum rises, you make money. If it goes down, drink the beer.
by obgraham
Tue Oct 10, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3147

Re: My Son is buying a 2017 Toyota RAV 4

I agree -- a dealer that habitually disconnected the odometer and then drove the car "many miles" is a criminal. State and fed authorities will be on him like flies on unowhat.
by obgraham
Mon Oct 09, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5247

Re: Anyone go 100% Ally or another online bank for all banking needs?

Like a bunch of others: 14 years now with online bank for 99% of banking. Just this month switching from CapOne360 to Ally due to frustration with the former's new system. I keep open an account at a local bank a block from home for the same reasons as others, and for a HELOC. Keeping it open is no ...
by obgraham
Mon Oct 09, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3147

Re: My Son is buying a 2017 Toyota RAV 4

Personally, I'll always take the free cash in hand, and opt for less debt. Especially if he already has the $10k sitting ready.

So for me it's the rebate and the smaller loan.
by obgraham
Mon Oct 09, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 25707

Re: The Wall Street Journal to close Google loophole entirely

Well I did just sign up for WSJ via that 3rd party link shown here earlier. The link and setup worked just fine. According to WSJ I'm a legit subscriber.

I think the price is fair -- I'm not opposed to paying for the newspaper, I just didn't think WSJ's own price was reasonable.
by obgraham
Fri Oct 06, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Itinerary for Seattle (outdoors) mid October
Replies: 4
Views: 362

Re: Itinerary for Seattle (outdoors) mid October

Likely cold up at Paradise by now, and possibly snowy. Prepare accordingly.

The Aquarium on the waterfront is a family attraction.
by obgraham
Fri Oct 06, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7739

Re: How useful is a home security system?

darrvao777 » Tue Aug 22, 2017 9:25 am I'm paranoid Well, to me you are a bit over the top. However, this is America, and you should live your life the way that makes you content. I've had monitored systems over the years, but they don't do a lot of good when you're out of town for a while, if nobod...
by obgraham
Fri Oct 06, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1301

Re: Dish network

I've had Dish for 19 years now. Never had a signal loss due to weather. I live in a windy, but not very rainy/snowy area. I can get all 4 of the networks OTA. I run these through the Dish receiver/DVR. That way their programming shows up on the Dish listing, and I can record the OTA channel on the D...
by obgraham
Tue Oct 03, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6197

Re: Is it a waste of money having your furnace checked every year?

Something else to consider for those who don't want to get an "annual" inspection, and live in an area where a/c is important: The drain pipe for the condensate can very easily get plugged. You'd be amazed at the amount of water that flows into the condensate drain, especially in a humid climate -- ...
by obgraham
Sat Sep 30, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1574

Re: Hardwood/Laminate floors ?

I agree with scraggy here. I like the laminate in my current place -- it is very easy to look after. However, it is plastic, and in no way compares to a true hardwood floor in appearance.
by obgraham
Sat Sep 30, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6197

Re: Is it a waste of money having your furnace checked every year?

I have mine done twice a year. I'm not sure it is money well spent. Last winter the blower motor seized up, and bent the squirrel cage fan also. That was just 2 months after the check. There is little warning when a motor goes. Repairs were spendy, as I don't do that myself. The good part of that de...
by obgraham
Thu Sep 28, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3410

Re: Verizon TravelPass

Actually I like the Verizon TravelPass. It works exactly as advertised. We go to Canada a lot, where the rate is $2 a day, and have used it on our last two Europe trips, at $10 a day. We're on a 12 gig plan with 2 phones and a hotspot. For us it is a good deal and hassle free. However we are not glu...
by obgraham
Sun Sep 24, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 2020

Re: Anyone used Amazon to buy household goods

Wife buys toothpaste from Amazon strictly because the one she wants has a screw cap instead of a fliptop!

Shipped from halfway across the country. Aren't we an efficient country?

And yes, shampoo lasts a lot longer the less hair you have. I attest to that.
by obgraham
Sun Sep 24, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4530

Re: Do you subscribe to digital newspapers?

We have a local small town rag, and switched to the digital version 3 years ago. Much prefer it. It actually does show everything exactly as in the printed version, even the ads and the classified. And I can blow it up on the iPad to the size my aging eyes demand now. If WSJ wasn't so pricy I'd get ...
by obgraham
Thu Sep 21, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: Chest freezers
Replies: 15
Views: 1571

Re: Chest freezers

Agree with others. You don't want a chest freezer to be frost-free. Defeats the purpose of having it. In a frostfree model when the heating cycle comes on that's when you get freezer burn as it evaporates the frost. After almost 3 years I defrosted mine just to say I did. Frost was maybe 3/8 inch ma...
by obgraham
Wed Sep 20, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 6183

Re: Getting over emotional attachment to house

What's with the fascination with Water? I've seen several folks on this thread for whom being on the water is the main attraction. I've had the opportunity several times in my years to move to or build on a spot with "a view of the water", generally at a real estate premium of 50% or more. Always de...
by obgraham
Sun Sep 17, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 6183

Re: Getting over emotional attachment to house

We don't live in anywhere near as upscale as what OP is discussing. But we faced similar issues. We custom built our house in which we raised our kids. Architect, spending too much, the whole bit. All our dreams incorporated into that house. However, once the kids were gone, we downsized to a single...
by obgraham
Tue Sep 12, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11007

Re: The 10 year car ownership "rule"

I don't like any "year" rules -- it depends on the car. My Pilot is now 13 years old, runs very well, but only has 80k. It hasn't had any significant repairs. So my plan is to keep it till 90k. Then reassess. If it starts to require more service, off it goes. Otherwise do some more maintenance and a...