Search found 387 matches

by semperlux
Mon Aug 14, 2017 5:13 am
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 10
Views: 924

Re: MiFi for International Travel

Thanks everyone. I agree, using the mobile phone is more efficient and one less thing to carry. I have a Samsung Galaxy Note 4 with Verizon. However in order to use their hotspot feature, they require me to enroll for that feature to pay extra to use the function that's already on the device on data...
by semperlux
Sat Aug 12, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 10
Views: 924

MiFi for International Travel

Anybody buy a MiFi for international travel? Going to visit Britain, and cost of renting a MiFi twice is the same cost as buying one, so I'd like to purchase one, preferably that can work in as many countries as possible, so I can bring it with me, and buy a local sim card to pop in for internet acc...
by semperlux
Sat Jan 07, 2017 3:53 am
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1626

Re: selling property without real estate agent

From all the comments thus far then, I'm feeling the approach should be: Use the California Association of Realtor or MLS purchase agreement. Hire the services of a realtor for $200-$500 flat to take care of the volume of disclosures & not miss something crucial. Find an escrow / title company t...
by semperlux
Fri Jan 06, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1626

Re: selling property without real estate agent

That's a great though. Will have to look into that.

How do people go about looking for a dependable escrow / title company? Word of mouth? Yelp?
by semperlux
Fri Jan 06, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1626

Re: selling property without real estate agent

Thank-you all. You just saved my family member a whole lot of trouble & money. Love this forum.

Will likely go for standard MLS contract and a title / escrow company given the recommendations here.

Thank-you !
by semperlux
Thu Jan 05, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1626

selling property without real estate agent

I have a family member who is selling his rental apartment to an acquaintance. They have both agreed on a price, and they both do not want to use a real estate agent to avoid the commission since the price has been worked out. However neither of them have bought or sold property without an agent bef...
by semperlux
Fri Apr 29, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: cost to replace furnace
Replies: 8
Views: 1060

Re: cost to replace furnace

daveatca wrote:$4750 CAD?


Yes, thank-you. I edited the original post to reflect this.
by semperlux
Fri Apr 29, 2016 9:33 pm
Forum: Personal Consumer Issues
Topic: cost to replace furnace
Replies: 8
Views: 1060

Re: cost to replace furnace

The furnace is between $1800-$2200 depending on the "trim level." It's the labor cost that my family is not sure about. Let's say the furnace is $2000 for simplicity. A total cost of $4750 seems a little steep is what my gut feeling tells me. However since I don't live in Vancouver, maybe ...
by semperlux
Fri Apr 29, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: cost to replace furnace
Replies: 8
Views: 1060

cost to replace furnace

I have family in Vancouver, BC, Canada. They are replacing an old furnace from the 60s when the house was built. They were quoted $4,750 CAD which includes: -American Standard 80,000 BTU 92% efficient furnace -condensation pump with installation -all labor -all taxes -1 year general parts warranty o...
by semperlux
Mon Dec 07, 2015 4:59 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Wow, livesoft ! Thank-you. I appreciate you skimming CL for me. I'm 5'9" with a 30" inseam. Shorter legs, longer trunk, but definitely no Michael Phelps. =) Yes, I should have said wider, not thicker tires. How does this look? It's the bike recommended by one of the previous posters' artic...
by semperlux
Sun Dec 06, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Sorry, I have to be more accurate with what I write. So when they "road bike," it's usually just 2-5 guys in casual clothes, on the bike lanes for 3-5 miles. Sometimes they throw in a few mild to moderate hills to give the heart some pumping action. They're not the professional looking gro...
by semperlux
Sun Dec 06, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Other than riding with my toddler daughter, I plan to occasionally ride with coworkers / friends. They do mainly road biking on weekends for exercise, not so much mountain biking. They ride either on surface streets, or sometimes find a park with relatively flat dirt paths for riding. Thank-you for ...
by semperlux
Sun Dec 06, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Yes, Craigslist is awesome. Got most of my baby gear used here, & also got my daughter her tricycle & 1st bicycle with training wheels on Craigslist, both for $15. I've been cruising Craigslist, but just not sure what I'm actually looking for. The pictures look nice, but most don't describe ...
by semperlux
Sun Dec 06, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Wow, scary. Good to know. Will look for a family bike shop. Although, it's hard to tell if they are family bike shop versus a pro shop, or do most of them cater to both? Just so you understand why people are saying to avoid "big box" stores, all bikes are shipped to the stores unassembled....
by semperlux
Sun Dec 06, 2015 10:37 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Thanks, my budge is around $200-$300 max. I'm riding for leisure / fun, not pro, so >$1000 is way above my needs & budget. Thank-you for the advice. If you are looking for a casual ride on pavements and occasional dirt path with your daughter or family, then it doesn't matter which brand you buy...
by semperlux
Sun Dec 06, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Wow, thanks for the info. Your post is very informative. Yes, I'm looking mainly for a bike to go on paved & maybe light dirt paths without many rocks. I want to use it primarily to spend time with my daughter. I'm not racing with it, & I most likely won't be doing any moutain biking or off ...
by semperlux
Thu Dec 03, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Cool, awesome ideas.

Thanks William Million, I think I might go down that route. Was looking at Craigslist for a cheep bike, but held back because I didn't know how it would fit me.
by semperlux
Thu Dec 03, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

Re: What is the "Honda Accord" of bicycles?

Thanks tigermilk. Any particular models of the name brands you suggested that you particularly like? Thanks for the tip Jack. I bought her a $10 used tricycle that she's riding right now, & have my eye on at $15 used 10" toddler bicycle with training wheels for her next upgrade. My thoughts...
by semperlux
Thu Dec 03, 2015 6:35 am
Forum: Personal Consumer Issues
Topic: What is the "Honda Accord" of bicycles?
Replies: 78
Views: 8088

What is the "Honda Accord" of bicycles?

Looking to buy a bicycle to ride with my toddler daughter & spend time with her. Mainly on paved roads & maybe some dirt paths. Looking for something dependable, low maintenance, & good track record of not breaking (eg the chain, braking mechanism, etc...). What would be considered the &...
by semperlux
Fri Sep 11, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: London, cash, HSBC, Gatwick
Replies: 6
Views: 615

Re: London, cash, HSBC, Gatwick

Wonderful, that's what I thought. For the most part, I almost always get cash from local ATMs once I arrive at the country, but wanted to see if London is any different. HSBC website indicates they have atms at Gatwick, but doesn't specify which terminals unfortunately. However I have about £100, &a...
by semperlux
Fri Sep 11, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: London, cash, HSBC, Gatwick
Replies: 6
Views: 615

London, cash, HSBC, Gatwick

Going on holiday to London soon. Trying to decide if I should exchange £ stateside before going, or wait until I get there for the best exchange rate? Called my bank yesterday, their rate is £1 to $1.64 and the daily forex conversion on Yahoo is £1 to $1.53 I have an HSBC account, & have used it...
by semperlux
Mon Feb 16, 2015 8:11 pm
Forum: Personal Consumer Issues
Topic: Cost of a car paint job?
Replies: 19
Views: 15460

Re: Cost of a car paint job?

https://www.youtube.com/watch?v=4yafb6X9j6E $50 Rustoleum foam roller paint job Beat me to the punch ! I was going to post this. =) I'm doing this for my wife's car this weekend, but only a partial on the surfaces where the paint is coming off. Don't have time to mask & do the whole car. Be sur...
by semperlux
Fri Nov 28, 2014 6:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 27456

Re: Vanguard offers login security code

Thank-you for the heads up. Just enrolled. Been waiting for this feature for a long time.
by semperlux
Fri Nov 28, 2014 6:11 pm
Forum: Personal Consumer Issues
Topic: Shopping Amazon? Use the Boglehead link!
Replies: 6
Views: 1343

Re: Click on Amazon link and support Bogleheads

If I were going to buy several hundred dollars worth of things on Amazon, does Bogleheads.org get more money if I split my purchases into multiple orders, or does Bogleheads.org get a cut based on the total value of my order? To me either way is fine, but I want to do it so Bogleheads.org gets the m...
by semperlux
Fri Nov 28, 2014 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 5219

Re: fidelity refusing custodian custodian rollover

Thanks for all the helpful info. Yes, I'm probably over thinking the check thing, so I took the plunge & went for it. Instead of rolling over 403B to 401K, decided to directly roll it over from the 403B to an IRA, I can get the same funds, but at admiral expense ratios & save a bunch. The on...
by semperlux
Mon Nov 24, 2014 7:16 pm
Forum: Personal Consumer Issues
Topic: Car "concierge" service
Replies: 15
Views: 1658

Re: Car "concierge" service

Tesla

They'll send a rental car to pick you up if your vehicle is disabled, or call uber to give you a lift home.

If you go in for work on your care that takes >4 hours, they'll either loan you a Tesla or give you a premium brand car rental (BMW, Audi, etc.)
by semperlux
Fri Nov 21, 2014 7:38 am
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 5219

Re: fidelity refusing custodian custodian rollover

It never ceases to amaze me the wonderful knowledge of the collective minds at Bogleheads. So first off, I'd like to thank everyone for their input. Boiling down the salient points from our discussion, I took from all the comments: 1. It's 60, not 30 days for the check to make its way from old custo...
by semperlux
Sat Nov 15, 2014 3:30 am
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 37
Views: 5219

fidelity refusing custodian custodian rollover

I have an old Fidelity 401K from a previous job that I want to roll over to Vanguard for consolidation. When I called Fidelity to request a custodian to custodian direct rollover, the Fidelity agent told me that Fidelity does not do that, & that I must roll over via transfering out the funds via...
by semperlux
Thu Nov 06, 2014 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 4536

Re: Job advice - academic physician career move?

If moving means less time seeing your parents & less time for your 3 kids to spend with their grand parents, I think that alone is enough to keep you at your current place imho.
by semperlux
Fri Oct 31, 2014 11:30 pm
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 15
Views: 2622

Re: Electronic lock experiences

Nice boroc7. Thanks for sharing. that's a really cool lock. I think I'll be looking into this one. Then I can just use my phone for both my car & home & not have to carry a key anymore ! =)

boroc7 wrote:This is the lock I'll be getting soon:
http://recode.net/2014/10/14/review-a-h ... so-simple/
by semperlux
Fri Oct 31, 2014 11:04 pm
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 8750

Re: Money saved by buying a hybrid or electric car?

A thought about calculating savings on BEV (battery electric vehicle) / PHEV (plug in hybrid electrical vehicle) Before I bought my BEV, our family primarily drove the wife's ICE (internal combustion engine) vehicle with 26 mpg city, 34 mpg highway for all of our outings since it's much more fuel ef...
by semperlux
Fri Oct 31, 2014 9:59 pm
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 10271

Re: Anyone consider retiring to Vancouver, Washington?

Although OP is asking about Vancouver (Washington), Vancouver (British Columbia) would also be a very good choice to retire. Vancouver, BC is ranked as one of the best places to live, according to The Economist m And according to TuboTax Canada, there is no estate taxes ! m Blue skys, green grass, c...
by semperlux
Fri Oct 31, 2014 7:05 pm
Forum: Personal Consumer Issues
Topic: Lincoln MKC - anyone tried this one out?
Replies: 12
Views: 2027

Re: Lincoln MKC - anyone tried this one out?

From this link:

http://www.thecarconnection.com/car-com ... n_mkc_2015

Looks like the core difference between the 2 (Ford Escape & MKC) is a turbo 4 with higher HP & torque, & larger wheels.
by semperlux
Sun Oct 26, 2014 1:37 am
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1375

Re: Security Systems

I was looking into Dropcams for child care; however we abandoned the idea & opted to just have grandparents take care of our child. But in the process did some research. I don't know if there are any new versions out, but the version of Dropcam I researched, continuously sent an HD feed to their...
by semperlux
Sat Oct 25, 2014 9:49 pm
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1375

Re: Security Systems

Anyone use Lowe's Iris security system. Hooks up to your home network & sends you alerts to smartphone app when alarm is triggered. Self hookup. No monthly fee, unless you want more features. I'm considering upgrading my existing national big brand system

http://www.lowes.com/cd_Iris_239939199_
by semperlux
Wed Oct 22, 2014 4:38 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 164999

Re: Tesla S

Congrats UnclePennybags. I'm jealous For a brief moment, I considered selling my P to upgrade to a D, but the depreciation & added cost didn't make sense. I will just have to wait for my Tesla stocks go up more & buy my wife the D when it comes time for her to upgrade. Maybe she'll let me dr...
by semperlux
Sat Oct 18, 2014 5:46 am
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 4491

Re: advice on a surface pro 3

I've had my SP2 for 1 full year, and the only reliability issue I've had is it sometimes drops its wifi connection when interfacing with specific routers when not plugged in. Otherwise it works well and has been quite reliable and fast. At the time I bought, and also currently, I believe the SP is t...
by semperlux
Fri Oct 17, 2014 2:37 am
Forum: Personal Consumer Issues
Topic: Borescope for inspecting dryer vents and AC ducts
Replies: 9
Views: 1809

Re: Borescope for inspecting dryer vents and AC ducts

is there directional control on these boroscopes? If not, how do you get it to maneurver a turn in the duct work?
by semperlux
Fri Oct 17, 2014 2:34 am
Forum: Personal Consumer Issues
Topic: Buy a new car, or fix the old one?
Replies: 55
Views: 4583

Re: Buy a new car, or fix the old one?

If you're not a car enthusiast & are only looking for a form of transportation, I would say fix the old car & keep it. No matter how expensive the fix is, it's still gonna be cheaper than buying a new car, & you won't be looking at crazy depreciation off the lot. Also, license, registrat...
by semperlux
Fri Oct 17, 2014 2:25 am
Forum: Personal Consumer Issues
Topic: advice on a surface pro 3
Replies: 28
Views: 4491

Re: advice on a surface pro 3

I have a Surface Pro 2, works well for what it's intended to do, namely a more mobile replacement for a laptop with full PC power / function. I use mine mainly for full version Acrobat filing & MS office. No games. It definitely is easier to take with me on trips. I have a wireless Logitech full...
by semperlux
Thu Oct 16, 2014 1:43 pm
Forum: Personal Consumer Issues
Topic: Most "efficient" order to see multiple physicians?
Replies: 4
Views: 985

Re: Most "efficient" order to see multiple physicians?

See your specialists first and the primary care physician last. Your PCP wants to know what the specialists say because he/she is ultimately responsible for coordinating your care and implementing it. The specialists care far less what the PCP thinks or does. This and if you have any blood work or ...
by semperlux
Wed Oct 15, 2014 9:09 pm
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 5936

Re: Best solution for clouded auto headlight lens?

The $4 kit on Amazon is apparently for a 6" round headlight. The kit for my headlights is $67 according to the mfg website. +$15 for the restorations kit = $82 + time. At that point the aftermarket headlights might be a better idea. Looks like I'm a bit outdated then. I used 3M's headlight buf...
by semperlux
Sun Oct 12, 2014 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 1561

Re: convenience vs cost (Vanguard vs NY 529)

Thank inbox788, I'm partial to Vanguard, thus my choices between Nevada & NY's 529. blevine, I have so many online accounts / passwords like you wouldn't believe. Every extra account I need to open is painful for me. So for my personal situation / preference, I'd rather just keep everything at V...
by semperlux
Sat Oct 11, 2014 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 1561

Re: convenience vs cost (Vanguard vs NY 529)

Spent a litle time & answered my own question. I calculated a hypothetical scenario where I open the account with $5000, adding $416 every month (just shy of $5k annually), compounding once per year, at a conservative rate of 5% for 18 years. Here are the results: With an ER of 0.16, I would end...
by semperlux
Sat Oct 11, 2014 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 1561

convenience vs cost (Vanguard vs NY 529)

Almost all my investments are at Vanguard. I'm looking to open a 529 account for my child. I'm a California resident. I'm debating between using Nevada's 529 administered by Vanguard versus New York's 529 administered by Ascensus (part of UPromise?) that uses Vanguard funds also. The funds I'm inter...
by semperlux
Sat Oct 11, 2014 2:08 pm
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 5936

Re: Best solution for clouded auto headlight lens?

Use something like this:

http://www.amazon.com/3M-39008-Headligh ... B001AIZ5HY

Then apply something like this:

http://www.amazon.com/XPEL-H9904A-Clear ... words=xpel

Headlights should last for a long time after that, & cost much less than replacing headlights.
by semperlux
Sat Oct 11, 2014 10:32 am
Forum: Personal Finance (Not Investing)
Topic: stock to stock settlement time on VBS
Replies: 3
Views: 504

Re: stock to stock settlement time on VBS

Thanks for the replies.

Wanted to make sure the purchase of B shares doesn't go into margin if A shares didn't settle yet, & would also be important if I wanted to buy B shares at a specific price to have the transaction go through the same day.
by semperlux
Sat Oct 11, 2014 9:27 am
Forum: Personal Finance (Not Investing)
Topic: stock to stock settlement time on VBS
Replies: 3
Views: 504

stock to stock settlement time on VBS

Was reading a few old threads on settlement times & rules: m When one owns shares of stock A in VBS, sells it, & buys shares of stock B also in VBS, can it be done on the same day? Or does it require a T+3 settlement time? Didn't see this covered in any of the threads. From my understanding,...
by semperlux
Thu Oct 09, 2014 7:30 am
Forum: Personal Finance (Not Investing)
Topic: diff share prices between investor, admiral, & ETF shares
Replies: 5
Views: 957

Re: diff share prices between investor, admiral, & ETF share

Thanks everyone for the replies. Very informative & answered my questions. You guys are awesome :D

Wish Vanguard had a page on their site that explained this for the non finance types, can get quite confusing for a new investor looking at the various categories of same fund with differing prices.