Search found 2071 matches

by quantAndHold
Tue Dec 18, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Confused by cruise gratuities
Replies: 29
Views: 1729

Re: Confused by cruise gratuities

..Well, my job doesn't pay well - should I get my annual bonus no matter what the performance is? You make multiples of what any of the people who serve you on the cruise make, even after tips. Before tips, they make a few dollars a day. Unless it’s a US flagged ship, they’re not covered by US labo...
by quantAndHold
Mon Dec 17, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: peloton fitness bike
Replies: 22
Views: 2343

Re: peloton fitness bike

queso wrote:
Mon Dec 17, 2018 10:27 am
lol.. we have a drying rack, er...reformer too.
A weightlifting power rack makes a much better drying rack than a reformer.

Ask me how I know....
by quantAndHold
Mon Dec 17, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 61
Views: 3086

Re: Marriage and separate accounts - how does it work?

When we first started living together, everything was separate, as if we were roommates. I made quite a bit more money, so paying 50/50 for the household expenses wasn’t really fair to her. So we set up a joint account for household expenses, that we each contributed to in proportion to how much mon...
by quantAndHold
Mon Dec 17, 2018 7:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8781
Views: 1690586

Re: U.S. stocks in free fall

I have been buying the dip since October. I purchased a small amount whenever the SP500 drops 1% or more. I stopped doing that today. Not because I don't have the money to, but I feel the market has entered a territory that has no support in near term. I think the next "fun" thing is to guess where...
by quantAndHold
Mon Dec 17, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 35
Views: 1630

Re: Low flow shower head

How much water/money will it save you in the long run? Assuming a half-hour shower, you’d save 15 gallons of water (0.5 gpm x 30 minutes). 15 gallons/shower x 365 days = 5,475 gallons saved over the course of a year if you take a 1/2 hour shower every single day. However, most utilities bill per hu...
by quantAndHold
Mon Dec 17, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 49
Views: 2729

Re: Gift Ideas for wife

Tickets to something.
by quantAndHold
Mon Dec 17, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Gmail Won't Load in Chrome
Replies: 7
Views: 633

Re: Gmail Won't Load in Chrome

Check to see if Chrome needs an upgrade. Off the top of my head, I think it’s on the About page.
by quantAndHold
Mon Dec 17, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Wearable MP3 Player (Headphones w/ Storage) for Exercise
Replies: 7
Views: 440

Re: Wearable MP3 Player (Headphones w/ Storage) for Exercise

If you want a headphone with built in music then that is great. However your experience with Bluetooth quality and connections drops is outside the industry norms. Sound quality is generally excellent (assuming you have a quality speaker - cheap yields inferior no matter what the source) and droppi...
by quantAndHold
Mon Dec 17, 2018 2:55 am
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 980

Re: Fitness tracker for runner

What type of runner are you? Are you training for the 100M dash, or something a little longer? The GPS based watches are nice because they will automatically display mile split times, and most of them will pause if you get stuck at a traffic light! How do they do this? Let's say I run 1 mile in 1 d...
by quantAndHold
Mon Dec 17, 2018 2:36 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 148
Views: 8983

Re: Favorite Purchase of 2018?

Salsa Marrakesh touring bike. My first brand new bike since college. I’d very much like to hear your impression/review. I’ve been getting a little bored lately on my road bike and am considering trying out touring next year after retiring. I’ve been watching Global Wheeling on Outside TV for the pa...
by quantAndHold
Mon Dec 17, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Looking for a Heart Rate Monitor other than Polar
Replies: 3
Views: 391

Re: Looking for a Heart Rate Monitor other than Polar

Chest strap? Chest strap heart rate monitors typically use a regular battery. They can go for weeks to months on a single battery. If you have a specific Fitbit, you need to know what it’s compatible with. There are two standards, Ant+ and Bluetooth (technically, BLP, Bluetooth low power). Some HRM’...
by quantAndHold
Mon Dec 17, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Fitness tracker for runner
Replies: 13
Views: 980

Re: Fitness tracker for runner

have you tried looking at the clock before you leave then again when you get back? boom saved you $150 and you tracked your run How will looking at the clock tell OP how far he went or how active he is over the course of a 24 hour period, which is what he seems to want? Anyway, the GPS uses a lot o...
by quantAndHold
Sun Dec 16, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 9373

Re: Can I retire

Retiring at 54 will give you a lot of years of zeros out of the 35 highest. More than a few of us old dogs out here that have blown that out. Was on SSA.gov and doing some modeling today as I'm looking to walk in 2020. Can't speak for the OP but I'm sittin' here at the age of 54 now, have 37 years ...
by quantAndHold
Sun Dec 16, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Low flow shower head
Replies: 35
Views: 1630

Re: Low flow shower head

How much water/money will it save you in the long run? Assuming a half-hour shower, you’d save 15 gallons of water (0.5 gpm x 30 minutes). 15 gallons/shower x 365 days = 5,475 gallons saved over the course of a year if you take a 1/2 hour shower every single day. However, most utilities bill per hu...
by quantAndHold
Sun Dec 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 88
Views: 4884

Re: [Anyone drop cable for YouTube TV?]

How exactly do you operate one of these services via Roku? I have a "dumb" TV and I haven't used any of those streaming devices, let alone with YTTV or Hulu. I can see how it works with computer or pad. The Roku has wifi and a HDMI port. You plug it into the wall for power, then use an HDMI cable t...
by quantAndHold
Sun Dec 16, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6423

Re: Personal Adventure - recommendations

Thanks everyone for many interesting and, in some cases wild, suggestions. I have settled on thru hiking the Pacific Crest Trail Southbound (SOBO). Why? It was something relatable for me. I've thought about doing it many times in the past It's budget friendly, I should be able to pull it off for ar...
by quantAndHold
Sun Dec 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car buying decision
Replies: 26
Views: 1712

Re: Car buying decision

Doing present value calculation, assuming the money can be put in a savings account earning 2.25%, it looks like the best deal is to buy from Dealer A, then pay the loan over time. I made an assumption that tax and doc fee would be the same for Dealer B. deal Down payment payment residual PV of resi...
by quantAndHold
Sun Dec 16, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 148
Views: 8983

Re: Favorite Purchase of 2018?

TheDoorMan19 wrote:
Sun Dec 16, 2018 2:32 pm
Door locks for my home with keypad instead of key. So nice to not carry keys around.
Yesss!!! This was my 2017 best purchase.
by quantAndHold
Sun Dec 16, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2483

Re: Annoyingly Expensive HP Ink Cartridges

Toons wrote:
Sun Dec 16, 2018 8:38 am
Rarely Print to paper anymore
"Print "to Pdf
Save file.
Cartridges from ebay if needed. :D
How do I stick the pdf onto the Amazon box I’m returning?
by quantAndHold
Sun Dec 16, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3464
Views: 1026393

Re: What Book Are You Currently Reading? Part VI

The Good Earth, Pearl S. Buck The book starts with Wang Lung, a poor farmer, on his wedding day, sometime in the late 19th century somewhere in rural China, and follows him through his life. Well told, interesting story. Writing that feels like it was written by someone for whom English wasn’t her n...
by quantAndHold
Sat Dec 15, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Strange [job] interview- what do you think?
Replies: 35
Views: 3509

Re: Strange [job] interview- what do you think?

Eh. We weren’t in the room with you, but from what you wrote I think it went fine. You got specifics about when they’ll be making a decision, when they need someone to start, and what the new person would be doing at the beginning. When I interview someone I know I’m not going to hire, I won’t get t...
by quantAndHold
Sat Dec 15, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 182
Views: 12768

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Keeping it to my situation. I would be affected. Plan A would be to hope my state legislature steps in and does something. Since I live in California, that seems like a plausible thing to hope for. Plan B would be to go back to work. I’m only a couple of years away from working, and I still get con...
by quantAndHold
Sat Dec 15, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 182
Views: 12768

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

New Jersey made it mandatory to carry health insurance or face a penalty so nothing changes for me as a resident. If this ruling stands, you might not be able to actually get that required health insurance. I don't see how this ruling would strike down the NJ law. People can buy health insurance ou...
by quantAndHold
Sat Dec 15, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2483

Re: Annoyingly Expensive HP Ink Cartridges

For printing office documents, a laser printer will be much more cost effective. When I was on printer quest a few years ago, I learned that, as a gross generalization, the more you spend on the printer, the less you will spend on ink or toner. Low end consumer grade printers are throwaways. Once th...
by quantAndHold
Sat Dec 15, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 1638

Re: Raspberry pi or starting an 11 year old with programming

I volunteer for a nonprofit that teaches computer science to middle school kids. The Raspberry Pi is a cool, cheap little computer. I have them doing things all over the house. Unless you have the skills to help her get it set up, though, it’s pretty daunting. Most of the tutorials I see on the web ...
by quantAndHold
Sat Dec 15, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 182
Views: 12768

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

MinhN wrote:
Sat Dec 15, 2018 10:01 am
New Jersey made it mandatory to carry health insurance or face a penalty so nothing changes for me as a resident.
If this ruling stands, you might not be able to actually get that required health insurance.
by quantAndHold
Sat Dec 15, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 182
Views: 12768

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Keeping it to my situation. I would be affected. Plan A would be to hope my state legislature steps in and does something. Since I live in California, that seems like a plausible thing to hope for. Plan B would be to go back to work. I’m only a couple of years away from working, and I still get cont...
by quantAndHold
Sat Dec 15, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 148
Views: 8983

Re: Favorite Purchase of 2018?

Salsa Marrakesh touring bike. My first brand new bike since college.
by quantAndHold
Sat Dec 15, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Annuity Question
Replies: 5
Views: 290

Re: Annuity Question

To be clear...are you already collecting the pension, or is it starting imminently, or do you still have some time to wait before it starts? If you’re already collecting the pension, then a SPIA is indeed the correct comparison. If it doesn’t start for some time, the. A deferred annuity would be the...
by quantAndHold
Sat Dec 15, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 70
Views: 3982

Re: How much do you pay for internet only?

$50 for 50. AT&T UVerse. 50 is plenty unless you’re streaming to two 4k tv’s at the same time.

I live in a place where two providers compete for my business. When I lived in a place where there was only one, it was $20-30 more.
by quantAndHold
Sat Dec 15, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 9373

Re: Can I retire

Yes, you can retire now. You have plenty of assets. Lots of people retire on less. You just need to get your spending down to $80k or so, including income taxes and health insurance. It might involve selling the house and paying cash for less house, and possibly driving a less expensive car or two. ...
by quantAndHold
Sat Dec 15, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 9373

Re: Can I retire

What are your yearly expenses?
by quantAndHold
Fri Dec 14, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5056

Re: Forgoing health insurance

I’m quite sure he would NOT have had $1mm of stem cell treatment for his successful fight against cancer if he wasn’t insured. Sloan Kettering needs to know that it’s big bills will be paid. My kids, H and I have all been mostly healthy, except when we are not. No one knows when they will be diagno...
by quantAndHold
Fri Dec 14, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5056

Re: Forgoing health insurance

In my area virtually any kind of accident/injury/illness that requires overnight hospitalization will end up with a bill of $100K at "rack" rates for the services (room/board/doctors/surgery/etc) rendered. An overnight stay costs over $100k? Our daughter's eight week stay in our local NICU averaged...
by quantAndHold
Fri Dec 14, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 549
Views: 55586

Re: What frugal thing did you do today?

Hopefully get a used Ikea couch from Craigslist for around $250 instead of $600 or even more for the better brands. I won’t buy used furniture due to risk of bedbug infestation. Only new for me. would a thorough spraying and airing in the sun not solve this? No. Pesticides aren’t super effective ag...
by quantAndHold
Fri Dec 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 88
Views: 4884

Re: [Anyone drop cable for YouTube TV?]

So I'm sitting at home with my 4K TV looking at NBA TV on YTTV. In the studio where the hosts are just chatting, everything looks sharp. When they showed some bball clips, it wasn't horrible but I think I notice a difference to cable. It's just not as smooth. I'm open to upgrading something (faster...
by quantAndHold
Fri Dec 14, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Landlord charging for unwarranted repairs.
Replies: 10
Views: 1465

Re: Landlord charging for unwarranted repairs.

I would check into local landlord tenant laws. How long do they have after your move out to demand payment, what is the burden of proof, etc, so that you know what’s legal. Then I would send a letter demanding to see the invoice for the work, and pictures of the damage. If there actually is any dama...
by quantAndHold
Fri Dec 14, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5056

Re: Forgoing health insurance

One of mine slammed her finger in the car door and broke it. Trip to the ER. Then, about the time it was mostly healed, she did it again. So $15k per year is $250/month per person. That’s cheap, actually. Many people here would be thrilled with that. It’s not clear if you can’t afford the premium, o...
by quantAndHold
Fri Dec 14, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2832

Re: Is it difficult to change a baby's legal name?

Usually the first day of school, the teacher asks, “are you called Jim?” The kid goes, “no, my name is James.” From then on, everyone in the class calls him James. For common names like James and Daniel, there may be more than one kid in the class with that name. The teacher will be relieved that Ja...
by quantAndHold
Fri Dec 14, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5056

Re: Forgoing health insurance

$40k in healthcare expenses is a trifle. Dad had a heart attack and went through $40k in the first 2 days. When you’re evaluating risk, you have to judge both the probability that an event will occur, and the impact if it occurs. The probability of one of the 5 of you having a major health event in ...
by quantAndHold
Fri Dec 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 672

Re: How to evaluate quality of health insurance options

Cities generally have more choices than rural areas, and states where the state government is trying to encourage the ACA to thrive rather than killing it tend to have more plans and a more stable market overall. If you’re looking at states, you can’t leave out Massachusetts. It’s probably the most ...
by quantAndHold
Fri Dec 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 858

Re: Old Windows 8 PC and Windows Defender

Those old machines are really fun with Puppy Linux, or MXLinux. Save your data off first, and give them a run. I've converted many boat anchors into VERY usable machines using these distros. It's not difficult any more. Regards,Greg I’m pretty sure OP’s tax software won’t install on Linux. Which is...
by quantAndHold
Fri Dec 14, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 64
Views: 3451

Re: Imminent retirees & sequence fear

I have a sibling that inherited a large estate in 2013, and put it all in cash, because stocks were too high. Still waiting... If you have enough savings and your withdrawal rate is low, you can pile on the TIPS, which would help with inflation risk. Have you read any of the Nassim Taleb books? He’s...
by quantAndHold
Fri Dec 14, 2018 1:38 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 549
Views: 55586

Re: What frugal thing did you do today?

I walked to all the Little Free Libraries in the hood to see if there is anything new to read. Didn’t find anything this time, but had a nice long walk in the sunshine anyway.
by quantAndHold
Fri Dec 14, 2018 12:00 am
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1575

Re: MLP's [Master Limited Partnership]

Dad had one. I forget which. I did his taxes for several years. Then he died, and I had it for awhile. He bought it for a song in 2008. When he died in 2014, he was earning some crazy amount (24% of what he paid rings a bell) in dividends. It was actually a pretty good investment, but I sold it beca...
by quantAndHold
Thu Dec 13, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: smart locks - schlage vs. august vs. something else
Replies: 13
Views: 1115

Re: smart locks - schlage vs. august vs. something else

We have used the Schlage locks for years. Very reliable. But we have never connected them to the internet. The best defense against hacking is not to be connected in the first place. Unless someone needs complete monitoring (and some may), the keypads allow extra codes. Thus, one can give someone a...
by quantAndHold
Thu Dec 13, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: smart locks - schlage vs. august vs. something else
Replies: 13
Views: 1115

Re: smart locks - schlage vs. august vs. something else

We have used the Schlage locks for years. Very reliable. But we have never connected them to the internet. The best defense against hacking is not to be connected in the first place.
by quantAndHold
Thu Dec 13, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3464
Views: 1026393

Re: What Book Are You Currently Reading? Part VI

Elsebet wrote:
Mon Dec 10, 2018 9:56 pm
Almost done with Middlemarch, 900 packed pages. It was slow at first but Lydgate really drew me in and I am glad I kept at it.
Just started this one. Loving it so far. The characters are very vividly drawn, and I can’t wait to see what they get up to.
by quantAndHold
Thu Dec 13, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Accordion Door keeps Popping off Track
Replies: 5
Views: 316

Re: Accordion Door keeps Popping off Track

We had one of those in our last house. It never would stay on the track. I think the track had gotten bent.

We solved the problem by selling the house. Maybe that was overkill?
by quantAndHold
Thu Dec 13, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1195

Re: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

4G already has the bandwidth to do that, but it’s sold with such low monthly data limits that it’s generally not a reasonable thing to do. We have a (now discontinued) 4G “connected car” device in the motorhome that we were able to get unlimited service for at a reasonable price. As long as we have ...