Search found 1031 matches

by squirm
Fri Nov 10, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 906

Re: Tankless Water Heaters

Are the hot pipes insulated/?
by squirm
Thu Nov 09, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3208

Re: Southwest Companion Pass [California only]

So when should I make my first purchase? i was going to put the rental property taxes on here, but reading through this, maybe i should wait until january?
by squirm
Thu Nov 09, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 39
Views: 3208

Re: Southwest Companion Pass [California only]

i signed up for the business card, i feel that's a better deal. Just got it today. Can i also sign up for the personal card?
by squirm
Mon Nov 06, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4303

Re: I Cut the Cord yesterday!

We don't take television too serious. We usually watch old Seinfeld shows, news, etc.i will watch squak box while getting ready. We never pay more than $50/mon for dish. Most important to us is the 30 second skip.
by squirm
Sat Nov 04, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: How Best to Clean Inside of Windshield
Replies: 11
Views: 1584

Re: How Best to Clean Inside of Windshield

use a microfiber towel. I use Stoner glass cleaner...never in the sun.
back window is the main issue with me, I risk tearing my rotator trying to get that.
by squirm
Fri Nov 03, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10933

Re: Got an iPhoneX

Why congratulations on buying a phone? Hey, i expect that if one becomes a dad or mom, but buying a phone? No heroic act was performed.
by squirm
Sun Oct 29, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1319

Re: Selecting pension payout option

You can chose the plan with the lesser payout for your spouse and get a life insurance policy to offset the lesser payout...that might be a cheaper option.
by squirm
Sun Oct 29, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49497

Re: Identity theft

That's a terrible situation. You need to lock everything down and definitely get a police report. Here is a thread I found on another message board, but I believe there is good information on identity theft here at Bogleheads: In light of the Equifax breech, and all of the various data leaks, as so...
by squirm
Sat Oct 28, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2217

Re: we're going to get hit with taxes next year, help please

Gill wrote:
Sat Oct 28, 2017 8:32 pm
Is that a total tax of $14k or the excess above your withholding? If it's the excess, maybe you need to adjust your withholding.
Gill
it's excess...I was hopping there'd be ways so we don't owe so much overall.
by squirm
Sat Oct 28, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2217

Re: we're going to get hit with taxes next year, help please

Sit down with a CPA / CFP who has a tax planning practice. I have what for us is an unusually big tax bill this year. I sat down with a local CPA/CFP last year and pre-paid some property tax (At risk of AMT this year) and planned significant giving with a DAF. To put a silver lining on the tax bill...
by squirm
Sat Oct 28, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2217

Re: we're going to get hit with taxes next year, help please

Hi all, Thanks for the replies, to be more specific, the vast majority of the income is from wages, but dividends and interest account for a portion too, we also have rental property, but deductions offset most of that. None of the accounts are in tax sheltered accounts. Turbo Tax is stating we'll o...
by squirm
Sat Oct 28, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19438

Re: To take or not to take delivery of Tesla 3

I agree for a commuter car. If I had a Bolt I would certainly want a ICE car or Tesla model S/X (with the supercharger network) for longer trips. Probably more economical to rent a cat for road trips. True. I currently have a Model S and an Accord. I'm not planning to buy any more fossil cars. Foss...
by squirm
Sat Oct 28, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19438

Re: To take or not to take delivery of Tesla 3

I cancelled my Model 3 order. And shorted Tesla stock. That's what I call a WIN-WIN. Date and price, I've seen too many people on TV and online claim they bought at the bottom or shorted at the top, but of course there's never any proof. My favorite was when Ron Insana was pressed about his calls o...
by squirm
Sat Oct 28, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2217

we're going to get hit with taxes next year, help please

Next year we're going to get hit hard with taxes. Last year we got solar which wiped out a chunk this year. We were going to get an electric car which would have helped next year but decided to wait to buy one next year. Wife and i both have pensions. What are our options? We've donated as much as w...
by squirm
Fri Oct 27, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 284
Views: 19438

Re: To take or not to take delivery of Tesla 3

If you listen to all the anti-teslas they've been saying and wanting the company to fall apart years ago... Shows their credibility... Which is none.


For those that want a quite plug in hybrid you might look into a plug-in clarity.
by squirm
Tue Oct 24, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: amazon 3rd party purchase warranty isue
Replies: 16
Views: 635

Re: amazon 3rd party purchase warranty isue

Did you buy it using a credit card?
by squirm
Sat Oct 21, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 3097

Re: Antivirus Software Recommendations

Windows Defneder is good enough, just don't click on links in emails and stay away from naughty sites, you'll be fine.
by squirm
Sat Oct 21, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 3097

Re: Antivirus Software Recommendations

Windows Defneder is good enough, just don't click on links in emails and stay away from naughty sites, you'll be fine.
by squirm
Sat Oct 21, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2018

Re: Best no sweat athletic/work socks

cotton socks...everything else will stink.
by squirm
Thu Oct 19, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Wife New Car Recommendations - SUV
Replies: 55
Views: 5018

Re: Wife New Car Recommendations - SUV

I thought we needed a suv when baby arrived. I was wrong. Ended up buying a pos Saturn.
I buy new, because just yesterday two cars on both sides of me on the freeway the dudes were digging big time. Gross.
by squirm
Thu Oct 19, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2245

Re: receiving 'used' items from Ebay purchase....frustrating

Just buy new on Amazon. Last time i bought something on eBay was like 15 years ago. Deal with a company like Amazon not some individual seller. sometimes when one needs a legacy part or item, one has to go to Ebay. Also, Amazon is rarely the cheapest option out there anymore. Have had luck w/ Ebay ...
by squirm
Thu Oct 19, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2245

Re: receiving 'used' items from Ebay purchase....frustrating

Just buy new on Amazon. Last time i bought something on eBay was like 15 years ago. Deal with a company like Amazon not some individual seller.
by squirm
Wed Oct 18, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1349

Re: any good credit card sign up bonuses?

Yes I'm over 5/24... Do have wife, in fact she has some credit cards in her name that i applied for. Actually she never cares whenever i forge her name.
by squirm
Wed Oct 18, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1349

Re: any good credit card sign up bonuses?

As others have said, good means a lot of different things. However, if you are looking for a pretty solid reward with no minimum spend requirement, take a look at Barclays Aviator Red. 60k miles and all you have to do is pay the annual fee ($95) and make a single purchase with the card. Conservativ...
by squirm
Tue Oct 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1349

any good credit card sign up bonuses?

I'm looking for a card with good sign up perks. Have csp but missed csr...
by squirm
Sun Oct 15, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7444

Re: How long for hedonic adaptation to set in?

we spend money on trips and vacations with our family.
by squirm
Sat Oct 14, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1909

Re: Earplugs that work on low frequency noise?

The problem with talking to them is there's a chance they'll get offended over your request and try to piss you off even more by mowing even earlier. It's like a neighbor who has barking dogs and you complain... Much off the time they'll let or try to get their dogs to bark even more... Neighbors ca...
by squirm
Fri Oct 13, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6577

Re: Asking for discounts

I have a funniest story. In 1998 we had this guy that moved to work for our company from far away. He had sold everything he owned and drove down with just car and cloths. So he ended up going to Walmart to buy a bunch of things. His bill was about $2000. At the checkout counter he simply asked sin...
by squirm
Fri Oct 13, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6577

Re: Asking for discounts

Abe wrote:
Wed Oct 11, 2017 2:47 pm
Asking for a discount is one way to save money. There are a lot of other ways to save if you know how. I learned a lot from this book: Secrets of Power Negotiating by Roger Dawson $14.58 on Amazon. :beer
I might get that, but I'm not paying $14.58
by squirm
Fri Oct 13, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6577

Re: Asking for discounts

Sometimes asking for a discount esp if it's a service, you'll end up with getting less of the service or a lesser quality. For example, I'm not going to try and knock of twenty bucks for a chimney clean, he might decide to make up for it and I'll never know.
by squirm
Thu Oct 12, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Refinish hardwood or new carpet
Replies: 8
Views: 725

Re: Refinish hardwood or new carpet

Go with Hardwood.
by squirm
Tue Oct 10, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6577

Re: Asking for discounts

guys are just more aggressive at trying to get a better deal. My wife never ask either....i'm the one always asking and jockeying for the discounts...i'm fine with that.
by squirm
Tue Oct 10, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5539

Re: 2018 Honda Accord

The four banger in our Accord does just fine, I never could figure out why someone needs 300HP, and get terrible gas milage. We do 75mph in the carpool just fine. Only thing I can think of is some people just tend to enjoy nailing up going up the grades by us, never played into that either.
by squirm
Tue Oct 10, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5539

Re: 2018 Honda Accord

Camry has that extremely goofy looking grill. Toyota seemed to go all weird with their designs, the Prius is hideous. What other model does Toyota plan on screwing up next?
by squirm
Tue Oct 10, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 5539

Re: 2018 Honda Accord

We test drove the 2017 Accord (Hybrid) and 2017 Camry (Hybrid) back in June. The Accord had the most uncomfortable seats I have been in for quite some time. We didn't buy either -- decided to wait for 2018s -- but I could not imagine lasting more than a half hour in the Accord. We have the last gen...
by squirm
Tue Oct 03, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 39
Views: 5020

Re: My favorite CNBC program

FastMoney but like most money programs they talk about their winners and never their losers, they also never state what their gains or losses are. Actually, Fast Money and Options Action do regularly review previous trade recommendations, and not only when they go right. Having said that, I'm sure ...
by squirm
Wed Sep 27, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 1787

Re: Shower heads, recent experience?

The best thing to do is to drill out or remove any water saving "feature" on shower heads. Some valve makers are incorporating it into the valve body now, but I've always been able to modify it without an issue.
by squirm
Tue Sep 26, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4502

Re: Chrome vs Firefox

There's these articles from today: Mozilla’s Firefox Quantum browser is ridiculously fast - TNW Firefox Quantum challenges Chrome in browser speed - CNET 'Project Quantum' Doubles Firefox's Performance In Latest Beta - Tom's Hardware Perhaps if you've experienced slowness with Firefox, it might be ...
by squirm
Tue Sep 26, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3710

Re: Unbelievable AT & T

I would like your advice about a billing issue with AT & T. Thanks to a tip from Student, we moved our wireless service from AT & T to T-Mobile the last of August. We've had unlimited data for a month, now, and it's been wonderful. We even used our plan in Canada without extra cost. We pay less and...
by squirm
Tue Sep 26, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4502

Re: Chrome vs Firefox

Just an update.i have formally switched to chrome. Ff was getting pathetically slow and lastpass didn't work well with it. Only problem with chrome is scrolling seems off at times and of i slightly inadvertently touch the screen on a link, it takes action.
by squirm
Fri Sep 22, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6591

Re: Negotiating for a new car purchase

Have you try tried Costco?
by squirm
Thu Sep 21, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Credit card price protection, does it work for after sale coupon?
Replies: 4
Views: 359

Credit card price protection, does it work for after sale coupon?

Bought about $5000 of furniture about two months ago, now the furniture store has snailed mailed me a coupon for 15% off everything. Will my credit card price protection perk work here? I used my Chase Sapphire Preferred.
by squirm
Thu Sep 21, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3065

Re: Should I even bother with buying a school picture?

Just pay the $40, your kids are only kids once.
by squirm
Wed Sep 20, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4797

Re: Costco vs sams club vs neither.

Do you really save money at Costco? When we use to shop at Costco I found that we would end up throwing what seemed like half the food stuff out eventually. Running into everyone in the isles, feeling like I'm in a middle of a zoo and fighting over parking wasn't worth whatever is supposedly saved. ...
by squirm
Wed Sep 20, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4797

Re: Costco vs sams club vs neither.

I dropped our Costco membership. It was more expensive than Aldi. The time wasted going in and out of Costco was more than I could bear. One typically needs to drive several miles to one, which is wasteful of your time, money, and has a negative environmental impact. We dropped Costco ten years ago...
by squirm
Wed Sep 20, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4797

Re: Costco vs sams club vs neither.

I love my Costco visa btw 4% gas, 3% restaurant, 2% Costco, 1% general, plus 2 years extended warranty on everything you buy Don't forget price protection. I buy Arco gas cards at our usual grocery store with my AE card...gives me 6%. The two year extended warranty is compelling, I think AE Blue is...
by squirm
Tue Sep 19, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4797

Re: Costco vs sams club vs neither.

I read the thread regarding Costco and Sam's. Because of that wife and i went to Sam's. It was very clean, very bright, and most importantly, not crowded. Bumping into people while shopping ruins everything, that's what you get at Costco. I'd rather pay a little more to avoid the crowds...i vote for...
by squirm
Mon Sep 18, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Equifax breach after steps
Replies: 9
Views: 1363

Re: Equifax breach after steps

It's not like if your social security number, address, names, and other important information isn't found on the darkwebs it doesn't exist there. Everyone is going to have to assume their information is accessible or will become accessible at some point. If your credit accounts aren't hacked or iden...
by squirm
Fri Sep 15, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24959

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...