Search found 238 matches

by samtex
Fri Jun 29, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Home AC filters - does MPR matter ? [Microparticle Performance Rating]
Replies: 16
Views: 1501

Re: Home AC filters - does MPR matter ?

I buy a mid range reusuable filter. One time cost and after a quick rinse, it is good to be used over and over. I have several family members in the hvac business. They caution about those because of the increase restriction they cause. I've used the same one for 15 years without problems but I mak...
by samtex
Fri Jun 29, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 39
Views: 3282

Re: Okay to paint exterior brick?

Leave it, brick is awesome. Brick is also porous so the paint is permanent. Well, yes and no... Ross Perot purchased his childhood home many years ago and a previous owner had painted the brick home. He wanted it restored to the original look. When he asked a contractor if he could remove the decad...
by samtex
Fri Jun 29, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4018

Re: Any Reason to Keep My "Landline" Phone?

Got rid of ATT's $45+ monthly bill. Transferred my old number to a voip company (VOIPO) for under $7 a month. They provide nomorobo at no charge, which limits most spam calls. We just wanted to use it instead of using our cell phones. Better reception and cuts down on cell plan costs. And we wanted ...
by samtex
Wed Jun 27, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Home AC filters - does MPR matter ? [Microparticle Performance Rating]
Replies: 16
Views: 1501

Re: Home AC filters - does MPR matter ?

I buy a mid range reusuable filter. One time cost and after a quick rinse, it is good to be used over and over. I have several family members in the hvac business. They caution about those because of the increase restriction they cause. I also stopped using 3M filtrete for the same reason. I'm usin...
by samtex
Mon Jun 25, 2018 1:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Are Better in the Morning
Replies: 13
Views: 2949

Re: Bogleheads Are Better in the Morning

:D
celia wrote:
Sun Jun 24, 2018 1:06 am
AlohaJoe wrote:
Sat Jun 23, 2018 9:52 pm
If you're on the west coast then 10am for you is 1pm for 47% of Americans who live in the Eastern Standard Time Zone.
Interesting... What time is it for the other 53% of Americans who live in the Eastern Standard Time Zone?
:D
by samtex
Sat Jun 23, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 14481

Re: Is Amazon Prime worth it?

Time is money. This nails it. Amazon is such a huge waste of time (and money). And it's very inconvenient. And the 3rd party sellers are nasty. And customer service is non-existent. Fake quality, fake quantity (just like Wholefoods). Etc. Paying a membership fee is beyond ludicrous. Actually, I've ...
by samtex
Fri Jun 22, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5677

Re: Surprise - Costco sells - but does not install vehicle batteries

Good to know. Wouldn't it be easy for most people to do it themselves? I like interstate battery because it is near my house, it is a small shop, and they change out the battery for you. I can be in and out in less than 10 minutes. I purchased an Interstate battery from Costco at a considerable dis...
by samtex
Sat Jun 09, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5547

Re: Jack Bogle on Fox Business Channel Friday June 8

. . . But when she began her questions loaded with the oft-repeated criticisms of indexing, I understood. I too thought that she was rude in interrupting Jack time after time. She was snarky, trying to attack a giant. . . . I didn't get that impression at all. Bogleheads are probably a small portio...
by samtex
Sat May 19, 2018 4:02 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 9384

Re: Solar panels

We are in the process of interviewing several installers for solar. We are in SoCal and have Edison. Our average price for electricity for our usage is $0.24/kWh. A 9kW system will run us $27,300 pre tax credit ($3.03/W) and $19,100 after the tax credit. This system will be sufficient to provide al...
by samtex
Thu May 10, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 4946

Re: How to remove garden hose nozzle that is stuck on a hose

Actually, the best penetrating oil is a 50/50 mix of acetone and ATF. It's also the cheapest.

Testing info: http://bbs.homeshopmachinist.net/thread ... rating-Oil

I agree about using blunt force on seized threads if care is taken.

Samtex
by samtex
Tue Apr 24, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 67
Views: 9372

Re: Unprecedented Event

Event like: https://en.m.wikipedia.org/wiki/Nuclear_electromagnetic_pulse The US EMP Commission published a rather depressing paper on the affect of a EMP event. I find the scary part is that there wouldn't be a need for mass use of nuclear weapons. And very little physical damage, other than our to...
by samtex
Sat Apr 21, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Will question
Replies: 28
Views: 2735

Re: Will question

You need a more qualified attorney. These are routine questions for someone who practices estates and trusts law. This. I can't believe the attorney couldn't answer your basic questions. Leads me to query whether the will was done adequately. Ditto. Take a look at http://www.naepc.org/designations/...
by samtex
Tue Apr 17, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1379

Re: Please suggest a file folder type

Just curious if anyone has needed an insurance EOB after two years? (That they couldn't just download) I admit I do prefer paper copies and have far too many credit card statements which I'm trying to talk my self into taking to a commercial shreading company. Maybe keeping the last five years. I do...
by samtex
Mon Mar 26, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1981

Re: Recurring brake rotor problem

After the repair, have the rotors checked for lateral run out. Usually it should be .002" max. The hubs could be off or the rotors may not be flush on the hubs (check for any debris). Since virtually no technician wants to spend the time to check rotor run out, this can happen. If you have a lateral...
by samtex
Wed Feb 28, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: Dealership oil change worth it?
Replies: 69
Views: 5418

Re: Dealership oil change worth it?

Unless the car is still under a full warranty I would not have the dealership change the oil. They are notorious for overcharging for often unneeded other work. Even if it is under warranty be prepared for them to try to upsell you all sorts of overpriced "dealer recommended" maintenance that the m...
by samtex
Sat Feb 24, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Google website frustrations.
Replies: 0
Views: 304

Google website frustrations.

Five years ago I set up a small website for business through Google/Intuit. The site would usually come up on the the first page of search results on Google, Bing & Yahoo. As the years passed by Google changed their priorities to get a high search results. They of course continually sent me offers $...
by samtex
Sat Feb 17, 2018 4:55 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 38
Views: 3135

Re: Cell phone service

Without a doubt, Ting. CDMA and GSM now available. CDMA uses Sprint system, GSM uses T-Mobile. Cost is amazing, unless you are a data hog. And to top it off, a human actually answers the phone that can help you, without being transferred. https://ting.com/?gclid=EAIaIQobChMIwtSfltes2QIVyLXACh0e2Q13E...
by samtex
Sun Jan 28, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 21
Views: 2168

Re: Low depth elongated toilet?

I bought a couple of Kohler Highline classic elongated about 6 months ago. They are a bit deeper but I just wanted to say they are amazing as far as their efficiency. Hard to believe they flush so well, considering the low volume of water they use. I purchased from Lowe's because of the upgraded sea...
by samtex
Sat Jan 13, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: How to see YTD% at Vanguard
Replies: 22
Views: 2218

Re: How to see YTD% at Vanguard

If you go the My Account drop down menu, there will be a personal performance option there. I see the dollar sign numbers, but not the % on that page For whatever reason the % of the YTD is not there in Vanguard.. Do you see other returns, like 1 year, or since inception? I think YTD is impossible ...
by samtex
Wed Jan 10, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Security for smart home devices / thoughts?
Replies: 8
Views: 718

Re: Security for smart home devices / thoughts?

That may very well be true but there seems to be a security issue non the less. It may be from what you said. What do you consider the proper way to isolate them behind the router's firewall? Isn't that typically what happens when using the router's firewall and you add another device access? Sorry ...
by samtex
Tue Jan 09, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Security for smart home devices / thoughts?
Replies: 8
Views: 718

Re: Security for smart home devices / thoughts?

It shouldn't effect speed as you said. It seems to monitor all devices on the network and watches for unknown IP's accessing any devices. It will then block that device, so that an intruder doesn't have access. At least that was my understanding after reading their information. They obviously seem t...
by samtex
Tue Jan 09, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Security for smart home devices / thoughts?
Replies: 8
Views: 718

Security for smart home devices / thoughts?

I ran across this device that's designed for smart home devices on your network. Seems to watch for intruders and shut down any that are compromised. Any security experts care to give their opinions? https://www.kickstarter.com/projects/akita/akita-instant-privacy-for-smart-homes?ref=discovery Samtex
by samtex
Tue Nov 14, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6409

Re: Keurig died...what now?

I would go with a cheap little coffee brewer like the 5 cup Mr Coffee. It takes no time to put a filter in, scoop desired amount of coffee grounds, and brew a few cups. I like dark coffee without cream or sugar though... Another plus is that you can clean this type of cheap device as often as desir...
by samtex
Sat Nov 11, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 4883

Re: Growth of Medicare Advantage enrollment

What makes me suspicious about the advantage plans, is the tremendous amount of advertising the insurance companies spend on promoting it. It must be a better revenue generator.

Samtex
by samtex
Tue Nov 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 2013

Re: Auto Insruance Payment

My auto insurer, Progressive issues 6 month policies and gives multiple choices for payment. I always elect to pay in full because they give me a sizable discount.

Samtex
by samtex
Tue Oct 24, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2657

Re: Generous Insurance Claim. Should I worry?

I have had to replace 2 roofs to hail over 7 years. The claim estimate given was much higher than what I paid for the repair, so much so that it mostly covered the 2 percent deductible. Weird, huh? I am thinking at the moment, the insurance companies are so flooded with claims from the hurricanes a...
by samtex
Tue Oct 24, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2657

Re: Generous Insurance Claim. Should I worry?

Are you sure you want to claim for a fence ?- they will take it out on your rates, or even possibly drop you. I would only make a claim on homeowners for a truly significant $ amount The fence was only part of the claim. I wasn't going to make a claim initially, until I discovered more damage to th...
by samtex
Tue Oct 24, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2657

Re: Generous Insurance Claim. Should I worry?

The truth is your Insurance policy is not set up to insure half of a fence. They would normally pay the full cost of replacement, or ACV(actual cash value) if this is not a replacement cost policy. I would not be concerned about them coming back for the money as long as the damage was not misrepres...
by samtex
Tue Oct 24, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2657

Re: Generous Insurance Claim. Should I worry?

We recently had a weather related property insurance claim. The insurance company processed the claim fairly quickly without sending a claims person to the property, relying upon the estimates I obtained for some of the damage, pictures of the damage and used their standard rate for the damaged fen...
by samtex
Tue Oct 24, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2657

Generous Insurance Claim. Should I worry?

We recently had a weather related property insurance claim. The insurance company processed the claim fairly quickly without sending a claims person to the property, relying upon the estimates I obtained for some of the damage, pictures of the damage and used their standard rate for the damaged fenc...
by samtex
Thu Oct 19, 2017 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Re: Mechanics of rebalancing a four fund portfolio

If you post what you have in all of your accounts, you may get some good advice on simpler ways to do the rebalancing overall. My (not experienced with rebalancing or brokerage platform) comments are: Can you adjust 401k to handle most rebalancing? What are your triggers for rebalancing? How often ...
by samtex
Thu Oct 19, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Re: Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some ...
by samtex
Thu Oct 19, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Re: Mechanics of rebalancing a four fund portfolio

It used to be that Vanguard would only allow multiple fund -> single and single fund -> multiple transactions. Perhaps they now allow multiple fund -> multiple fund transactions? I've done the former, but haven't tried the latter. I just checked, you can only do Multiple>Single (and presumably vice...
by samtex
Wed Oct 18, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Re: Mechanics of rebalancing a four fund portfolio

OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some total bond ($1934) and total International bond ($645). Is it simpler to move the $1289 x 2 to my settlement account then wait for that to clear, then ma...
by samtex
Wed Oct 18, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Re: Mechanics of rebalancing a four fund portfolio

At Vanguard, you can choose the 'exchange" menu, and accomplish this all at once. Select all the funds you want to sell and the funds you want to buy, type in the dollars, and when it's equal hit submit. Easy Peasy. I'd be more worried about the phrase "one of my IRAs" - fewer accounts is better, a...
by samtex
Wed Oct 18, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2714

Why so many "reversed" pictures?

This has been bugging me for a long time. It is fairly common to see photographs "reversed" both on Internet news stories as well as in ads. Today I even received a brochure in the mail promoting an upcoming vote on an amendment next month. The picture had a generic looking home with a sign with the...
by samtex
Tue Oct 17, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1538

Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some t...
by samtex
Sat Sep 30, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 959

Re: GE Fridge Water Dispenser issue

I have a GE Artica about 10? Years old. From the first month we have had issues with the water. (And many other issues) First thing they did was the motherboard. That wasn't it. The problem would come and go. After years, and research on line I discovered on my model, GE didn't put enough insulation...
by samtex
Tue Sep 26, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep a term life policy I don't need if it has a positive expected value?
Replies: 34
Views: 3267

Re: Should I keep a term life policy I don't need if it has a positive expected value?

To OP, maybe I'm missing something but you are worrying about a $25 yearly insurance payment or $25 per pay period?

Samtex
by samtex
Tue Sep 26, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 6315

Re: Vanguard charged me $140 in service fees

Vanguard hasn't charged me a fee but I did get several letters on different accounts saying they had switched me over to mailing my information since they were having issues with their emails going through. I checked my spam folders and nothing from Vanguard was there. I went into my accounts and ve...
by samtex
Thu Sep 21, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1730

Experian will give you your pin on-line!

Has this been already posted? Seems Experian wants to make it relatively easy to get your pin. :oops:

http://krebsonsecurity.com/

I'm wondering when this is going to stop? Seems like our credit system is coming apart.


Samtex
by samtex
Thu Sep 21, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Password Managers Single VS Multi-user / Generic question
Replies: 4
Views: 733

Password Managers Single VS Multi-user / Generic question

Can I get some information about using a single user vs multi-user password manager? Having never used a PM I'm trying to learn the day to day issues. Is it possible for a couple to use a single user PM, instead of going to a family one? If it is possible, what are the downsides, besides the obvious...
by samtex
Wed Sep 20, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Letter For Survivor(s) / Executors
Replies: 10
Views: 1623

Re: Letter For Survivor(s) / Executors

LifeIsGood wrote:
Wed Sep 20, 2017 3:47 pm
As I recall, it was a bit more elaborate than Taylor's. Thanks for the link and response.
viewtopic.php?t=119346. ?

Samtex
by samtex
Wed Sep 20, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 1596

Re: Password manager questions and recomendation for Kindle Fire HDX?

Wow, that's too bad. I use LastPass a lot and just bought a Kindle Fire. I was planning on upgrading to premium and installing it on the tablet. I'm glad I didn't upgrade! I have no idea what I will do now. Keepass is a very reputable application, but the one for Android is a non-official port and ...
by samtex
Tue Sep 19, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 1596

Re: Password manager questions and recomendation for Kindle Fire HDX?

PetaHertz wrote:
Mon Sep 18, 2017 10:26 pm
Where did you hear that they aren't supporting Kindle anymore? It still says they are working on it on their website.

https://forums.lastpass.com/viewtopic.php?f=12&t=266705

https://forums.lastpass.com/search.php?keywords=kindle

Samtex
by samtex
Mon Sep 18, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 1596

Re: Password manager for Kindle Fire HDX

I don't have a kindle fire, but android phone and ios device. I decided that I did not like the idea of using an online password manager, so I went with Keepass and MiniKeePass for ios. I setup the passwords on my computer, then email it to my ios device and download it into minikeepass, then delet...
by samtex
Mon Sep 18, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 1596

Password manager questions and recomendation for Kindle Fire HDX?

I have been wanting to try a password manager for better security. I use a laptop running Win 10, An Android phone and a Kindle Fire HDX. The issue is the Kindle Fire HDX tablet. As I understand it uses a version of Google android OS but Amazon has tweaked it so it won't necessarily run the all the ...
by samtex
Fri Sep 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 61883

Re: Equifax says info stolen. What's my best course of action?

Is there a difference in "freezing" your credit report and having a "Fraud Alert" placed on it? Many years ago (10+) someone opened up a bank card in my name and charged about 1200.00 in Europe. I called the card company and got it straightened out pretty easily and then contacted one of the credit ...
by samtex
Thu Sep 07, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2610

Re: Hurricane - Dealing with Ins. & neighbors

I spoke to a few insurance people and it appears that they only replace a fence if it was "blown over" (posts), otherwise they will repair it. Also they will pay 1/2 of the cost (after deductible) if it is a "shared" fence. So far I have spoken to one neighbor and we will probably repair the damage ...